Tuesday, January 29, 2008

Is It Really Possible To Make Money For Free Online? Yes It Is!

Many people out there struggle to make money online through affiliate schemes and MLM etc. This is a fact, it is something that none of us can deny. It seems that the people who make the most money have plenty of money to advertise through Google Adwords etc. For those of us who cannot afford to promote our websites this way we are left trying to scrape up visitors and convert them into sales. In this article, I am going to teach you why you should swap from affiliate marketing to a new form of money making that is just starting online. The program I am going to tell you about today is called Edownline. By the end of this article you will realise that it is possible to make money online without spending much money and that affiliate advertising is not the only way to make money.

EDownline -

EDownline is a great new website where you earn money for completing offers, viewing websites and refering others. Membership to EDownline is free and it is a great way to earn money online. Currently, EDownline is in pre launch as it needs 20,000 members before it can function properly. However, you can still sign up for free and refer others (if those referals then purchase a platinum membership which costs money you get a commision on this) Refering people is also easy especially as EDownline is currently giving away free gold memberships and standard memberships are also free. Remember, they key to making money for free online is to refer people to websites they do not have to pay for (EDownline meets this profile perfectly) Another great thing about EDownline is the site's payment options. Rather than being sent a check in the post you can get paid through your choice of online payment processors (Paypal, AlertPay, StormPay etc) This means you get your money quicker and you can cash out more easily.

What are the benefits of getting a gold or platinum account?

The benefits of signing up for a gold account (currently free if you sign up before the 20,000 member mark is reached) or a platinum account are massive. Firstly, in both account types you earn far more than standard members for viewing websites etc. The biggest benefit for gold and platinum (especially platinum members) is that you earn extra money for every referral that you make. This means that referring people suddenly becomes a very profitable business because you earn more money. Also, gold and platinum members have access to a download database that includes website submission software, ebooks on increasing your profits and great scripts for your website. If you want to make the most possible on EDownline then you really do need a gold or platinum account, with a platinum account being the best way to make money.

So how much can you earn off EDownline?

This depends, for those of you who will just take offers and view websites then you can earn between $5-100 depending on how much time you spend on EDownline. However, the real money is in refering people to EDownline so you can earn even more money. By doing this you can earn good money and also it is easy to refer people as a standard account is free (gold accounts are free at the moment as well) EDownline are adding an additional service that they claim will make you large amounts of money but this service is yet to begin until 2007 so keep a look our for that.

If you would like to know more about EDownline then please visit my "EDownline Information Page" at http://emoney.110mb.com/edownline.htm

If you would like to sign up to EDownline for free then please visit http://emoney.110mb.com/edownlinesignup.html (remember, if you sign up before the 20,000 member mark you get a free gold account, a $50 value)

I hope after reading this article you have realised that it is possible to make money online for free. I hope that you have also realised that there are alternatives to the often difficult business of affiliate marketing.

IMPORTANT - You may redistribute this article as you see fit, you may even charge for it. However, you MUST retain the links featured in this article and the information box below.

This article was written by Sam Frost, the administrator of e-Money. If you would like to find out about the best scam-free ways to make money online for free then please visit http://emoney.110mb.comAveril Blog65013
Alejandra Blog75873

Using The Internet At Home Is Becoming One Of The Best Ways To Earn An Extra Income.

Everyone could use some extra cash these days. Have you ever thought about ways to make money at home online? We're not talking garage sale or lemonade stand here. There are definitely some tried and true ways to make money at home online. This is ideal for single mothers, students, or anyone who would like an extra layer of padding in their pockets.

Using the computer, huh? Hour long surveys about things you'll never use are probably flashing through your mind. Well, interestingly enough, you can make money doing surveys. True, there are some survey sites that will redirect you two hundred times in an attempt to get you to spend your money buying their sponsors' products, but there are also some legitimate ones as well. Big companies need one thing to stay big, and that is their customers. How do they know what their customers want? You tell them. Simple enough, but you need to know how to distinguish between the survey sites that are actually helpful, and which ones just want your money.

Well, if you go searching for survey sites, a useful tip is to look for FREE ones. You obviously don't want to pay to join, and if these people want your opinion badly enough, they're not going to charge. There are even really helpful sites that have compiled the top paying survey sites and list them, providing links for you to go and register. You see, the top paying survey sites only send out a few surveys every so often, but if you're registered with twenty or so sites, you shouldn't have problems finding a survey to do.

You can also consider hub pages. If you like to write, these would definitely be good for you. To start off, you can write about whatever you want. Anything. Sounds easy, right? Well, you write your piece, add a picture or two to dress it up and give your readers a visual, and then adds get placed on your page. For instance, say you decide to write an article about football and the fans. Who doesn't love football? Then you may have an add for a football jersey shop or a link to buy tickets to the big game. The best thing is, you decide how many adds are put on your page. If readers go and buy a product, you make a percentage, and you can write as many as you want.

You may also want to consider other options. You can choose to write articles online for extra money. People who need articles for a variety of reasons submit their needs and writers pick up the subjects and write the articles for a price. Not only are you getting paid, but you get to learn all sorts of things as well. There are even things such as medical billing that can be done online to make extra money...all from your cushy rolling chair!

There are things you need to watch out for, though. Giving out your personal information online can sometimes be like dangling a sausage into a kennel full of pitbulls. There are scam artists around every site corner waiting to snap that information up and go on a shopping spree, sending all the bills to you. Another thing to be wary of are the sites that promise you quick money doing nothing, all after you give them your credit card number of course. Mainly, use your common sense. Be suspicious of the 'ancient get rich spell recently found in the attic of a long dead high priestess.' Trust me, these things are never true. That said, if you're careful and keep a watchful eye out, you can actually make extra money at home, and hopefully have a good time doing it.

Yoshi Kundagawa is a freelance journalist. He writes about entrepreneurs and working from home. You can read his articles about ways to make money at home online, at his blog: http://didyousmellthat.com/main/making-money-takes-a-lot-of-this/Adrian Blog80678
Ally Blog36346

How To Figure Out Your Per Mail Peice Budget

So you have a direct mail budget but not sure if you should send as many as possible, or put more effort into a smaller group.

Here is an example for a product and only considering the first sale:

Lets say that with 50 new sales your cost per unit is $135 each (Overhead, materials, labor, etc). No Marketing.

Lets assume with 100 new sales that drops to $100 per unit.

Then finally at 250 new sales your cost is $75 each.

Then lets assume you average $250 of gross income sale and you need at least $5000 more gross profit out of this campaign. After that $25 for each sale.

That means you can spend $15 per sale to sell 50 units.

You have $84 ea left for 100 units.

And $133 ea for 250.

If you spend $15 each for 50 new sales then you can only send out 2,500 30 cents mailers and you would require a 2 percent conversion rate. That is high for most mailing campaigns.

If you end up spending $84 per new sale for 100 that would be 28,000 30 cent mailers. You would need a 1/3 of a percent conversion rate, much easier than 2%.

If you end up spending $133 per new sale for 250 that would be 110,000 30 cent mailers. You would only need a 1/4 of a percent conversion rate.

Now to the point.

As you can see, the more TOTAL # of sales the more you can spend to get them and the lower the acceptable response RATE is. As you broaden your demographics and the response rate decreases you end up needing to send so many you cant find enough good prospects. At that point you would NEED to put more effort into a smaller group to increase the total number of sales.

So if you can afford $2,500 per mailing and you have 8,000 good prospects then a cheap 30 cent mailer is probably just fine. If you have 2,000 in your TOP tiers and 8,000 is dipping down into 3rd and 4th, then I would do a nicer mailer for 1-3,000 and then with the left over money send as many as possible of the cheapest mailer to the other prospects. The cheapest mailer may end up going to your TOP tiers with the nicer mailers going to the harder to convert prospects. Each business is different, so each campaign will also be different.

Bryan Bresnan runs CustomersByMail.com in Salt Lake City, UT and has been in the printing and marketing industries since 1997. If you are interested in growing your business with Direct Mail please contact him by email; bryan@print2day.com or visit http://www.customersbymail.com for more information and marketing articles.Aubrette Blog37987
Adrian Blog80678

Who's Watching YOUR Money? 7 Tips for Hiring the Right Bookkeeper

While Im a strong advocate of hiring virtual assistants, there are two things that no entrepreneur should ever fully delegate: marketing and bookkeeping. The marketing and the bookkeeping of your business can easily make or break you (just think new Coke and Enron). That said, if bookkeeping is not your forte, hire someone to do it you will save so much in frustration just be sure to keep your fingers in the books.

If you choose to hire a bookkeeper, keep the following in mind:

1. Get QuickBooks.

For ease of use, I highly recommend using QuickBooks and hiring a QuickBooks ProAdvisor. QuickBooks ProAdvisors have taken certification exams to insure that they know the system. I have used QuickBooks both for myself and my clients since 1996 and highly recommend it for its ease of use/understanding.

The online version is great in that you can see the latest version of your books at any time and eliminate the annoyance of emailing files back and forth and wondering who has the latest version.

2. She must see both the forest AND the trees.

You want your bookkeeper to be detail-oriented AND to see/understand the big picture. She needs to know what happens consistently every month and update your books without bothering you for items she should know about.

At the same time, she needs to be astute enough to see the larger picture and warn you of any impending problems before they happen. If you purchase a piece of equipment, she should know how to properly enter it into your bookkeeping software to avoid problems and therefore save time and money with your accountant (and the IRS) later on.

3. She must know your industry.

You dont want to have to train your bookkeeper on your industry language, standard industry income or expense categories or other basics. The more up-to-speed she is, the faster she can hit the ground running and the sooner you will have good data. If she doesnt know your industry however, be sure to give her a rundown of lingo and how you refer to your customers/clients/tenants in order for you to get the most meaningful reports out of the gate.

4. She must provide timely reporting.

In hiring your bookkeeper, insure that you put in a provision for when you want to see monthly financials. The date will depend on when your bank month ends give her a few days after that date to reconcile your accounts and produce reports. At a minimum, you want to see a profit & loss, balance sheet and cash flow statement.

Take the time to review the reports so you can spot any irregularities before they blossom into problems. Not sure how to read a cash flow statement? Get a check/electronic funds transfer (eft or auto debit) transaction detail instead. It will help you see where the cash is going.

5. She must know accounting terms and still speak English.

Your bookkeeper needs to know the difference between assets, liabilities, income, expenses and equity and be able to provide your accountant with the necessary data upon request. At the same time however, if you are not numbers oriented, she also needs to be able to explain the financial statements to you in plain English.

6. She must be trustworthy.

Hiring someone to keep track of your bookkeeping requires a level of trust between you both. You need to feel comfortable that she will keep track of your information and maintain your confidentiality. At the same time, if she pays your bills and has access to your bank accounts, you must also trust that she will not abuse that privilege. And make no mistake, it is a privilege to have someone (particularly in a virtual relationship) trust you with their finances, their checkbook and their business.

Good business sense demands that you protect yourself just in case. I highly recommend that, in addition to a confidentiality agreement, you insure that your bookkeeper is bonded and you get a copy of that bond.

7. She must have great communication skills.

If your bookkeeper will be communicating with your clients and vendors, she must represent your business as you would. Whether virtual or in-house, its critical that your bookkeeper be a positive force that further enhances relationships. The question of money can, at times, be a sensitive matter. You need someone who recognizes that and communicates appropriately.

Always remember these are your books and this is your business. While you may hire someone to manage the details of tracking your finances, and should do so if this is not one of your strengths, the ultimate responsibility for oversight is yours. Michael E. Gerber of the E-myth series said it best: Delegate, dont abdicate.

Copyright 2006 Sandra P. Martini

Sandra P. MartiniAllianora Blog75074
Ardra Blog75685

Save Money by Refinancing Your Car Loan

If we define the term refinance in lay man terms, refinancing is nothing but a loan taken on low rate of interest to pay off the previous high interest rate loan or it can be also defined as the replacing or extending the existing tenure of loan with a new tenure of loan. Like wise, if we apply this definition on the refinance car loan, it will be seem as a new car loan taken with low rate of interest to set off the previous car loan taken on high rate of interest.

Refinance car loan is nothing but shifting from the high rate of interest to low rate of interest. Lets explain the situation when the need of refinancing car loan emerges. Imagine the person availed a car loan and after two months he finds that there is downfall in the financial market which has further reduced the rates. But he finds himself paying higher rate of interest as compared to the rate prevailing in the current financial market. In such condition he opts for availing refinance car loan in order to pay low interest as other are paying.

Getting refinancing through refinance car loan enable the person to save large sum of money and thus he can use his saved money in order to satisfy his other personal needs.

Refinance car loan makes the repayments affordable and saves the person from falling in the sea of debts. As paying higher rate of interest increases the burden of debts, which further create difficulty in making repayments.

Refinancing car loan can be taken from the same lender or another lender that is, as per the convenience. The features of the refinance car loan are illustrated below:

Comparatively lower rate of interest
Low monthly instalment
Improves credit score

While availing refinance car loan the borrower must negotiate with the lender and must appeal them to reduce the cost of the loan. And, if the borrower has good credit rating then his good credit score enable him to avail loan on more competitive prices.

The process for applying refinance car loan is simplified through online. Researching and comparing various offers on the internet is much simpler than comparing and researching in the physical market. Today internet shows each aspect of the refinance car loan. Thus, it is absolutely right to say that it saves time, effort and money while applying loan through online.

Xenia Stevens has been associated with AmericasCarLoans. She has completed her Masters in Finance from Cranfield School of Management. She provides useful information on Car loans. For further details in car loans, Refinance car loan, car loan financing, instant car loans, private car loans in US visit http://www.americascarloans.comAllison Blog20899
Alidia Blog86095

The Anatomy of a Repossession

Despite government claims of a healthy and growing economy, repossessions and loan defaults continue to rise. While such trends are clearly not good for the bottom lines of banks and sub-prime lenders, they have created a boom in the investigative and recovery fields, industries whose financial success is rarely, if ever , mentioned by economists.

Ever wonder what sort of gumshoe legwork the average finance adjuster (an industry euphemism meaning repo man) puts into locating the vehicle he is licensed to steal? To find out, I spent two nights riding along with Marc Fontana, owner of Shadow Towing and Recovery in central Birmingham.

Most--if not all--repo men will tell you there is no such thing as an easy repossession. Fontana has been putting debtors collateral on the hook for over twenty years and still cringes anytime a lender assures him that his task will be as simple as driving to the address and picking up the vehicle. Yet the first stop of the first night seemed to be just that easy. We were looking for a black, 2003 BMW 5 Series being driven but not paid for by a luckless debtor who had exhausted the patience of his finance company.

We found the car at the first address we checked--or so we thought. A quick, obligatory check of the vehicles VIN betrayed the reality that the hunting had just begun. In fact, we thought wed spotted the wanted wheels several times that night.

When I met Fontana at a well-know coffee purveyor the next afternoon, he was busily pecking at his laptop computer placing search orders with a skip tracing firm called http://Cellular-trace.com. In the course of searching for the ghostly BMW, the agent had acquired several unidentified cell phone numbers. As there is no cellular number directory, identifying the name and address associated with such numbers can only be purchased from an investigator specializing in phone number research. He had recently discovered this new, low priced source for such phone numbers and had had very good luck with the company.

When he checked his email an hour later, the normally stoic repo agent began to giggle aloud, confident that the reverse lookup information had helped him best the shadowy debtor and that the mortgaged collateral would soon on the way to his storage facility.

I didnt even know the guy had a cell phone. But now I have a new home address, plus I know where his sister lives, he tells me, becoming more excited with each word.

The sisters house is a middle class suburban home complete with faux shutters, a lighted flag pole and a shiny black BMW in the drive way. This time the VIN was a match and Fontana reversed his tow rig up the driveway, raised the hydraulic lift and rolled the prize down the street before securing it properly under better lights and more friendly conditions.

Those in the recovery business havent always had to rely on outside vendors. Of course then it was a simpler America--a place where people stayed put for a few years at a time and jobs were careers. The new fly-by-night culture of rapid mobility in which everyone is affected by vocational free agency has so complicated society that even those who steal cars for a living have been forced to adapt.

Robert Adlin is an investigative jourmalist providing business-sector information and articles to mainstream news sources. The currently lives in and sleuths from Dallas, TX, assisted by his dog and two cats.Ainsley Blog80542
Analise Blog66731

The Bitch, a Betrayal, and some Bandits!

Well Darlings,

Yes, okay then, I'll admit it. Once upon a time - this really is a fairy story, so you'd better believe it! - I did for a short time in my very early schooldays read Mickey Mouse, the comic. It was in the days when many a comic, including that one, cost around the same price as a chocolate bar - a Mars bar was 3d or 4d (old money - pre-decimalisation). Today, I notice, for the price of some comics you could buy more than half-a-dozen Mars bars, and a few of them can set you back more than six times the price of a newspaper. I hear you ask: Why is this? The answer is quite simple. Today we live in an age of market forces. Few things today cost what they are really worth - they cost as much as can realistically be obtained for them. The modern philosophy of reasoning with children rather than laying down the law (discipline) works well for market forces - mostly the children win the arguments, and they will have their comic no matter what it costs.

But that was not the point of this story, I have digressed. No, the point I wanted to make was that I think we still retain a great fondness for the comics with which we were brought up, and perhaps all the subjects contained within their covers. Many may not have survived the years but a mention of them, or something that reminds you of them, can still produce those pangs of nostalgia: thoughts maybe of a wonderful time in your life - a time of innocence and when everything was an adventure.

So, being brought up on Mickey Mouse in my days of innocence, you can imagine the mixed feelings that engulfed me when I read about the pirate video made at Disneyland Paris showing Goofy grabbing hold of Minnie's boobs, and Mickey having a gay romp - with a snowman, I believe. There has to be a joke here about snowballs, but I'll leave it out. Apparently the risqu footage was shot backstage by another worker using a concealed camera in an area that is inaccessible to guests - so it is all for real! - and it only lasts for a couple of minutes of the otherwise normal film showing the Disneyland at large. Is it funny? Well, I haven't seen it but yes, I guess it is - once you get over the initial shock of your childhood heroes having sexual lives.

A Disney spokesperson has said: "We regret any offence it (the video) might cause. Action has been taken to prevent this happening again."

Now that statement might be a comfort for some people, but for me it has turned my shock into pure horror! Please, someone tell me they haven't castrated Mickey Mouse!

And now for some more political correctness gone mad: For many years Alan & Thomas, the insurers, have like countless other firms and places of work circulated cards for all the other staff to sign when it has been some employee's birthday. However all that has now ended for this company. Why? Because they fear any humorous references to being "past it" or "over the hill" written in a card may be considered ageist and in breach of the new age discrimination laws, thereby leaving them open to prosecution. They say the new law is "a potential minefield", and as insurers I guess they know quite a bit about interpreting the law.

The new laws, which came into effect on Oct 1st, make it illegal for an employer to discriminate against any worker on the basis of age when it comes to hiring, firing, promotion, or retirement. This has led to employer's fears of a floodgate of younger workers who will sue if they are not paid and treated exactly the same as older ones, and vice versa. To further worry them, employers now bear the burden of positively proving they haven't discriminated against a worker in a lawsuit where, should they lose the case, the potential rewards against them are uncapped. And hot on the heels of all this, the Political Correctness Brigade seem to have collared every adjective or description that could be put with age, and you now use it at your peril.

Political correctness is making a mockery of the law by using it to ban many time-served expressions of affection. These people are taking our language and mutilating it. Old, when used in association with people, can no longer mean anything now but something bad. They have taken everything else that might have been associated with this word - things like "wisdom", "liable to be knowledgeable", or "one to be respected" (to name just three that readily spring to mind) - and have trampled it underfoot.

Some terms of endearment you may no longer use without worrying about the PC Brigade: "Old John had to miss the game." - even though in this context old may be suggesting a close long-time friendship. "I'll see what the old man says about it." - even though this refers to the boss, a person who may enjoy this expression recognising his seniority. "I'll get Tom some help, he's not a spring chicken anymore." - even though this might be caringly recognising an actual limiting factor. "I say old boy, wasn't that a great show!" - even though this may be expressed as a term of equality, brotherhood and affection. All my school chums have always been "old boy" to each other, but not anymore, I guess.

At the other end of the scale, don't ever refer to anyone as being "wet behind the ears" anymore without first looking over your shoulder, and even to mention: "I'll see what the younger ones say about it," may now get you viewed with suspicion - why should you be expecting their opinions to differ merely because of their age? (For God's sake - why shouldn't they?) Finally, and relevant to many a shopkeeper, do beware of calling anyone "son" who is not really your son - not only are you being ageist by bringing attention to an obvious age difference (whether you are actually older or not), you could also be seen as casting aspersions on the morality of that person's mother! What a world we live in!

Where will it all end with this political correctness? In utter silence by a nation of hermits? A nation of people who may not be spoken of as fat, thin, tall, short, midget, dwarf, blind, deaf, dumb, mute, retarded, ill, crippled, bald, old, or young (amongst many, many other terms), and where no-one may be referred to as Jock, Paddy, Taffy, or Joe, (to name but a few) or ever pop along to a Packy shop for some fags or visit a Chinky for a curry - no matter how affectionately these terms may be meant or received? A nation where no difference between any of us may be noticed or mentioned, and where all the races, religions and cultures making up our multiracial society shall enjoy absolute equality in all things - providing, of course, we are not referring here to the endemic British people or Christianity?

It's all a little bit like Communism, isn't it? Everybody is equal - except some are more equal than others. The privileged set will, of course, include the politically correct people.

I started this column by referring to my younger days. For some of those days I happened to live with my grandmother in a Guest House on the outskirts of the London Borough of Croydon. A major part of the clientele at this establishment were theatrical performers, and they came in all shapes, colours, and sizes. I particularly remember a young (but not to me at the time - I was about six!) conjurer who stayed for several weeks. He was the first non-white person I had come close enough to, to examine our differences - to touch his black skin, and to query the pink palms of his hands. I can remember sitting on his knee and checking those hands, and the coarse curly black head of hair. I guess now I must have said a lot of embarrassing things, but he seemed not to mind. He was a great guy who played games with me (no, he wasn't a pervert!), amazed me with his magic tricks, and even occasionally took me to the swings in the nearby park. When he had to move on he bought me a present, (a magic set, what else?) and I can remember crying; pleading with him to stay.

The point I'm making here is: that house was full of differences - and nobody gave a damn. There were several Oriental ladies at this time (I don't exactly know what they did); three dwarves (I can remember pulling them apart too!) - and everybody referred to them as just that - dwarves - and they didn't mind, no offence was intended or taken; then there were a couple of other people; and then my friend the coloured magician - again, everybody called him that - coloured - and he was quite happy with it. In those days nothing was wrong with the word "coloured", it wasn't offensive, it was merely descriptive. For a description you need a word, and very often there is nothing at all wrong with that word, it is not offensive - not until some people like the Politically Correct Brigade make it so by convincing you it is.

My grandfather was quite happy to be called old - I used to call him "old daddy". My father, "soldier daddy", had to be away for much of the time, and I never knew my mother, she died whilst I was still a small baby. Everybody knew "old daddy" was deaf - he was deaf in one ear, and bald - he was almost totally bald. He may not have enjoyed any of those conditions, but I'm sure he was sensible enough to know that changing the words for any of them would not have improved his life or those conditions by one iota. As words: deaf, bald, and old were merely descriptions, accurate ones, and there was absolutely nothing offensive in those words.

To call a Pakistani person a Packy (or Packi) should be no more offensive to anyone than calling a Scotsman a Scot (but never Scotch - that's the drink!) It's sad that today some people have been allowed to make it offensive. For years I phoned a local restaurant, the Mayflower in Swindon, always starting off with: "Is that the Chinky's?" I'm sure that had they have minded they would have said so, and they would not have invited me and my partner for the free Xmas Dinner they used to put on for some of their customers every year. Another Chinese guy I know, everybody affectionately calls him Sam because we have no hope of pronouncing his name correctly, used to advertise his chip shop as "the local Chinky". There never was anything offensive in "Chinky", not until some people made it so.

At the hands of the politically correct so many long-standing terms of affection fall foul. One should no longer greet anyone with the likes of: "my love", "dear", or "sweetheart" anymore - not unless they really are that - and something as commonly heard in London as: "Hello me ol' China - 'ow yer doing?" has these PC people positively doing somersaults. I say: Leave us alone! Find something better to do!

"What's in a name? That which we call a rose by any other name would smell as sweet; so Romeo would, were he not Romeo call'd, retain that dear perfection which he owes without that title." - Romeo and Juliet, by William Shakespeare.

People are people, and words are merely words that mean what people make them mean, they are not that important. Important is how we feel about each other and how we treat each other, and busybodies playing around with the language we use does nothing to help or improve anything. I am fully convinced that the day we wake up and outlaw political correctness is the day we will solve one hell of a lot of this country's problems!

See you next week . . .

"The Bitch!" 21/10/06. - With "The Bitch" perhaps being a politically incorrect term for the critical naff old queen who writes this column - and even that description now being politically incorrect in itself too! Oh, dear! What are we supposed to do to appease these PC nutcases? Lie about everything?

Michael KnellAnica Blog91056
Angelita Blog76338

Dont Let Your Credit Card Debts Cross The Line

Its been said that an average American has about 9 to 10 credit cards. Having that much credit cards simply means that you have high purchasing powers. You can actually just splurge on anything that catches your fancy; you dont actually give out cash at that instant.

Credit cards are so popular these days. Everyone seems to be using one everyday. Its also very easy to apply for a credit card. In fact, credit card companies are aggressively advertising their services so they could attract more people to sign up. Online and offline stores even encourage the use of credit cards by giving cardholders special discounts and promotions.

Its really very easy to get caught up in a huge credit card debt nowadays. In fact, a lot of people are already suffering from great financial losses just because of some credit card debts they were unable to pay. Most people forget that when they use their cards to purchase, they would eventually have to shell out cash to pay for that.

Paying for credit card purchases are usually even more expensive. Thats because you would have to pay for the interests. And credit card interest rates do not come cheap. In fact, theyre high enough that you might feel youre paying more on interest than the actual amount you borrowed.

Using your credit cards can really be addictive, but before you swipe your card, you would have to ensure that you would have enough funds to pay for your purchase. If not, you will soon find yourself caught in a huge debt cycle. Credit card debts are the most difficult to get out of, probably because of the high interest rates and the surcharges.

Just imagine the effect of a huge credit card debt on your finances. What if youll need money for emergency situations? If you have high credit card debts, chances are you wont be able to use your credit cards anymore. That also means that it wont be easy for you to apply for a loan since these kinds of debts reflect on your credit reports.

Irresponsible use of credit cards is usually to blame for your financial problems. So before you get another credit card, make sure that youre responsible enough to handle it. Also check that the credit card company offers competitive interest rates. If they have low rates, you might consider consolidating your credit card debts and opt for a balance transfer.

Though it will really be very difficult to lower down a credit card debt, there are still ways which can help you, like debt consolidation. Also, you might want to minimize the use of your credit cards until you could pay off a large portion of the debt. Limit your credit card purchases to important ones.

If somehow you feel that you credit card debt has increased without you knowing it, you could give your credit card company a call so they can check for any fraudulent activities. Credit card companies will be happy to help you with any fraudulent charges so you can lower your credit card debt.

Experts sat that the wisest way to use your credit card is that your credit card debt should not exceed half of your credit limit. In this way, when emergency situations happen, you have some option to turn to. Low credit card debts also translate to better credit score, which means that you can avail of better loan and financing schemes.

Mario Churchill offers low interest credit cards for business, students, or personal use while consolidating and eliminating bad credit debt. Apply today! Visit http://www.firstglobalcreditcard.comAshlen Blog49726
Ally Blog86266

Money Management And Payday Loans

There are a number of ways that people can use to manage money to stay out of debt and even establish savings over time.

Establish a Budget

The first, and maybe the most important step, is to set a budget for yourself and stick by it. Take a look at your household income and outgo. Set the budget up to accommodate your payday schedule. In other words, if you get paid once a month, then you have to budget accordingly so that you wont run out of money before the end of the month. If you get paid every two weeks, or every week, figure out which of your bills have to be paid on each payday. It is absolutely essential to set some money aside for emergencies. Even if it is only $20 per payday, having some cushion will keep you from having to borrow money when something unforeseen occurs. There are all kinds of budget sheets available to help you figure things out and many of them are free on the Internet. However, it is not hard to make your own. Just make a list of your income and when it arrives, as well as a list of what has to be paid when. Check each item off and date it when it is paid. Dont forget to budget adequate amounts for items like food, gas, entertainment, etc. If you have those items in your budget, its also a good way to track how much you are actually spending on them each month.

Get Organized

A good way to begin the budgeting process is to sort out all of your legal and financial papers and file them so you can find what you need when you need it. For example put bills that are due on the 10th of the month in one folder, and bills that are due on the 25th in another folder. Once you have paid a particular bill, shred it and dispose of it, in order to save confusion. Any other financial information, like savings accounts, mutual funds, etc. should also be stored in appropriately labeled folders. At the first of the year, when your tax documents start coming in, put them all in one folder with the tax forms. When April 15 rolls around, you wont have to dig through piles of mail on your desk to come up with all of the appropriate documents and forms. Items like insurance policies should also be labeled and file so that you can readily find them if and when you need them.

Find Ways to Save Money

Do some brainstorming about your expenses and how you could possibly cut back on them. It is wise to write them down on paper because it is less easy to dismiss them that way. For example, can you cut down on the amount of gas you use by taking public transportation? If you eat out often, consider making more meals at home. Examine your buying habits. Do you go shopping when you are depressed? Do you go grocery shopping when you are hungry? Do you purchase items advertised on the shopping channel without every leaving your easy chair? These are all practices you can change. Find healthier activities for when you are feeling down go for a long walk instead of going shopping. Make a grocery list and carefully plan what groceries you need for the coming week, then go to the store and buy them. Coupons can be advantageous if you buy name brand items, but store brands are often cheaper in the long run. Watch the weekly sales flyers in the local newspaper and buy items like meat when they are on sale. Its handy to have something in the freezer to fix, and less costly in the long run than making a quick trip to the store after work and picking up only what you need for that nights meal.

Find Ways to Make More Money

Get an extra part time job, or work overtime at your regular job, if possible. Clear out your attic or your garage and have a yard sale. You may be happily surprised at the amount of money you can bring in. These days, many people make money selling items through online auction sites like ebay, and dont have to sort and tag and have people running all over your yard for a day. If there is a local farmers market, consider something you can sell there. If you have extra produce from your garden, or are a good baker, you will find that people are readily willing to buy things that you can grow or make. If you make extra money, dont increase your expenses. Either use it to pay off bills, or put it away for savings.

Choose Credit Carefully

If you have to have a credit card, shop around for the best deal. Some credit cards have yearly fees that have to be paid whether you ever use the card or not. Interest rates vary widely. Make sure you know what the interest rate is and shop around for the lowest. If you charge something, pay it off before the end of the month, then it wont cost you any interest on the card. Dont use more than one credit card. Its too easy to get into the cycle of living on the credit cards and never really paying more than the interest on them. This is a practice that will get you deeper into debt in the long run.

Payday Loans

If you have an emergency and need to get a payday loan, make sure you investigate and find the one that is the best deal for you. The amount of interest charged varies widely from company to company and so does the repayment period. Find the loan that gives you the most flexibility for the least fees. Try to never roll your payday loan over, but pay it off in full by the due date.

Max Hunter is the author of many credit related articles. If you are looking for help with Payday loan or any type of faxless loans please visit us at http://www.PaydayLoanChoice.comAnsley Blog26163
Auberta Blog84501

Bad Credit Business Loan Forward Your Business Interests Without Credit Worries

You as an established business person or as a new entrance in business do always require funds. Own sources are either insufficient or despite having the finance you prefer to save it for other expenses and opt for a loan instead. But there is one huge hurdle--your bad credit. You fear that lenders will deny a loan or put hard conditions which will take loan availing beyond your reach. Well, such impediments will no longer worry you. Bad credit business loan has been especially tailored for making a loan offer more convenient for bad credit people.

Taking bad credit business loan is a very simple and hassle free process. You can not do much about your bad credit. There are however some effective ways of offsetting bad credit factor. But first know your credit score. Bad credit happens because there have been repeated payment defaults from the borrower and as a consequence had to face CCJs or filed for bankruptcy. This gets reflected in credit score. On FICO scale of 300 to 850, credit score below 600 is labeled as bad credit. A slight improvement can be achieved in credit score if some easy debts are paid off. This at least will assure the lender of your intentions in paying off the loan.

Bad credit is of no major concern to the lender in case collateral is placed with lender. Collateral may consist of any property of borrower like home or vehicle. This secured bad credit business loan does not require any extensive credit check as the loan is well secured. Lender knows that in case of a payment default, he can recover loaned amount back on selling the borrowers property. Secured bad credit business loan enables in taking greater loan of 50000 to 1000000. You pay a lower interest on the secured loan. Compare different loan offer and the interest rates go further down than the average rate. The secured loan can be repaid in 5 to 30 years, sufficient time for regaining financial health.

Never worry even if you do not want to risk a property for a loan. Take unsecured bad credit business loan. No collateral is required for the loan. All you do is make a convincing repayment plan to assure the lender that you are serious towards paying off the loan. However the unsecured loan has this higher interest rate, smaller loan and shorter repayment duration attached to it. But it should not bother you as since you opt for the unsecured option, your need may be a smaller loan which can be paid in few years and higher interest rate will not be a burden.

Before settling for the deal, compare different loan offers on the internet. Apply online to the lender having suitable package. After verification of the details the loan approval will come soon.

Make sure that you pay off the installments in time. This will not only keep you away from debts but will improve credit score also. Consider every aspect of the loan before making a deal with lender.

Michael T. Brian is the author of this article. He is Masters in Business Administration and expert in finance. He writes about various finance related topics. To find Online Business loans, business start up loans, Secured business loans, unsecured business loans, small business loan, flexible business loans visit http://www.find-business-loans.co.ukAriel Blog79043
Ailyn Blog79915

Quick Property Sales - How to Sell your Home Fast

Do you want to sell your home quickly? Perhaps you are moving abroad and want a fast completion on the sale of your property? Maybe you face repossession and need a solution to prevent the mortgage company from taking your home, or you need extra cash to solve a financial problem? Whatever your reason for wanting a fast property sale, the answer to your quandary is the cash buyer.

Cash buyers will buy your property quickly and complete the purchase within one to four weeks of you accepting their purchase offer. In some cases, cash buyers can buy your home within 24 hours! Just imagine - no more worrying about how you are going to pay that mortgage, or where you will find finance for your next house move. Cash buyers are the solution to your quick property sale problems! All you've got to do is find them and entice them to buy your home.

Finding cash buyers

The biggest challenge for homeowners who want to sell their properties quickly is in finding property buyers who can buy their homes without the need for a mortgage or home loan. For most homebuyers a mortgage is essential for the quick purchase of their next house. The loan application process can take 6 - 8 weeks, and sometimes longer. These are not the types of purchasers you want to deal with when you are in need of a fast sale.

Instead, your ideal buyer is a homebuyer, property investor or property developer that has finance already in place and can exchange contracts immediately. They have cash instantly available to buy your home from you direct, without the need to involve a lender in the property transaction.

But where do you find these types of property buyers?

Well, you can ask your local real estate agent if they have cash buyer contacts. Alternatively, you can advertise in the local press. You could even search the Internet using a search engine like Google or Yahoo with a keyword phrase such as 'quick sale property'. This is all very well, and no doubt you will attract some interest. However, if you want to be absolutely sure of securing the sale of your home you need to make the property attractive to the buyer. Here's how

1) Give a full 'estate agent style' description of the property. Just stating that your property has x number of bedrooms and has a garden of size y is not going to make you the sale. Buyers want as much detail on the property as possible. If you want to attract their attention you should really go to town on your property description. Go through your house room by room and describe the features that really 'sell' the house to the buyer. Remember to include room size measurements and mention features like double-glazing, boiler systems and anything else that adds value to your home - especially if it is newly installed.

2) Get the property professionally valued. An official valuation of the property from a local estate agent or surveyor is crucial. You need to state the value of the property in your description if you want to achieve a quick sale.

3) Invite offers at 10% - 20% below the property valuation. To get cash buyers REALLY INTERESTED in your home, set the sale price at some 10% - 20% below the open market valuation for your home. By doing so you are guaranteed a flurry of responses to your request for a quick property sale. Buying property at below market value is the sales hook that will draw the right type of buyer in for your property.

4) Have the property ready to view. Cash buyers generally like to view the properties that they are going to buy ahead of making the purchase. Some cash buyers will buy property in any type of condition. So, if there are unfinished DIY jobs in the house or that extension you started is only half-built, there's no need to worry. Cash buyers - especially those with property development experience or investment experience - may buy your home anyway!

5) Get the property's paperwork together. Collect all paperwork relating to your home including guarantees for work done to the building and information on your mortgage lender. The buyer may wish to inspect these ahead of making an offer to buy your property. If you have all these bits and pieces of information together in one place it will make the process swift and trouble-free.

Selling your home fast is a straightforward process. The buyer will generally make all the arrangements. They can even arrange for a solicitor to act on your behalf for the property sale if you so wish. It really is as easy as 1-2-3.

Seb Jay is owner of ProInfo Marketing - a UK-based company that specialises in quick property sales. If you want to sell your home fast contact Seb Jay at ukproperty@proinfomarketing.net for a no-obligation offer on your property.Angie Blog95831
Atlanta Blog83706

How A New Real Estate Investor Can Buy Apartment Buildings With No Money At All

Thinking of investing in commercial real estate? This article is for new investors to explain Where to Start.

A lot of new investors have tried to first invest in other types of commercial properties such as office buildings or shopping centers; only to realize that the transition is just too drastic and it ends up costing them the property, all their money leaving them deep in debt, destroying their credit and it takes years for them to recover.

Apartment buildings are tremendously easier to purchase, maintain & put on auto-pilot simply because most of us already understand how to rent an apartment and tenants are almost always readily available.

The buying process for other commercial properties (like shopping centers or office buildings) is not much different however the financing is much more difficult to obtain and leasing usually requires a team of very experienced individuals to negotiate contracts with business tenants.

If you're a new investor with little or no cash to invest, you MUST first start out with apartment buildings. Once you own at least 2 properties with at least 50 units in each property (which should be more then enough to pay you over $10,000 a month in net passive income cash flow) you can then branch out to other areas of commercial real estate.

After you own a few apartment buildings and have those properties generating you enough monthly cash flow; THEN you can absorb any vacancies that might come from not being able to rent out space in your office building, warehouse or shopping center.

Apartments are where just about all successful commercial real estate investors started out, so why try and fight the odds. Apartments are the fastest, easiest and safest way to create monthly income and massive profits.

While it is technically possible to have your first deal be a warehouse, shopping center or office building... the statistics show that it almost never happens.

Most investors who first try to jump to other commercial properties before they own a couple of apartment buildings, inevitably fail and quit this business never to return...

That's why I teach boot camps training seminars which focus on how to buy apartment buildings with no money at all. While I do teach about all types of commercial real estate, I focus on apartment buildings because the process with apartments is much faster and easier then it is with other types of commercial real estate.

If you want to succeed, your first commercial property must be an apartment building. This is the fastest and easiest way to create a steady stream of monthly Passive Income each and every month for the Rest of your Life!

Anthony Minnuto
http://www.passiveincomerealestate.com
Real Estate Investing for Passive Income & Residual Cash Flow

Anthony Minnuto teaches real estate investors how to buy apartment buildings with no money at all. Real Estate Investing for Passive Income & Residual Cash Flow.Annissa Blog29029
Audie Blog966

Making Money Without Traffic?

Through the ages men always looked for ways to make more money. Usually this entailed working very hard, or doing a lot of illegal things. The internet truly changed the face of money making opportunities forever. For probably the first time in the history of the world you are able to make money sitting at home the whole day. The Internet opened up brand new ways of increasing your own personal wealth.

Affiliate marketing is probably one of the easiest ways to increase your monthly income, as I am currently doing, and it is open for anybody with a computer and an internet connection. Even people without their own website are able to make extra money being an affiliate. In short affiliate marketing means that you advertise someone else's product and introduce new buyers to their products. For your trouble you are usually paid a percentage of the sale, sometimes up to 75 commission of a $40 sale means you pocket $20 for very little trouble on your side. The wonderful thing about affiliate marketing is that you can make money literally even while you are sleeping. But, there always is a but somewhere, what you seldom hear is that you only make money if you are able to get sellers to the product. In other words, without targeted traffic your changes of making money are extremely slim.

One of your primary concerns is getting good traffic to your site, either by making use of Pay Per Click Advertising like Google Adwords or building your own site and optimizing it for Search Engines. Just a word of warning: Google Adwords can be very expensive if you do not know what you are doing, but it is definitely the fastest way to get traffic. Take a look at my site for some resources available to help you with Google Adwords. On the other hand, building and optimizing your own website can be very cheap, but getting traffic can take some time.

If you want to be successful in affiliate marketing, and thousands already are, you must learn to use the tools available. Do a search on some search engine for Adwords, Affiliate marketing and SEO (or search engine Optimization) and learn a bit about this highly competitive, but extremely lucrative and interesting opportunity. You can also visit my site and learn more about some very good opportunities. Just always remember that in this game numbers make the difference between success and failure. Without large numbers of targeted traffic you will find it difficult to make real money. It will pay you to invest some time in learning about getting targeted traffic first.

SJP Babrevian had discovered Online Money Making Opportunities and it blew him away. He is absolutely taken by how easy it is. http://www.onlinemoneyportal.comAnna Maria Blog58337
Ara Blog86025

3 Steps to Begin Making Money on eBay Fast - When You Don't Know Where to Start

Do not sit in front of your computer any more, wasting time and daydreaming. Begin today to take the necessary steps needed to make money on eBay.

I have discovered how awesome eBay really is!

It was not too long ago that I had no clue what eBay was about, and now look at me, an eBay enlightened Mom!

Would you like to get there too? It is not difficult and it is really a lot of fun.

eBay is the latest, and greatest money-making endeavor I have found. And believe me, I have searched high and low in all kinds of markets and businesses to find something that could work for me.

Nothing I found seemed to tickle my fancy until eBay. There were always too many loopholes to stop me from pursuing any of the ideas I came across. Such problems I found were, for example: the costs which seemed to escalate, the amount of time that was required was more than I could give, the steps were way too complicated and the end result always seemed way too small.

No, not me boy, I wanted to invest only a small amount of money, I wanted to spend about 15 hours on this per week, and I needed it to be pretty simple, something that if I stopped at any moment, (you know the kids always distract me at the wrong times) I needed to be able to pick up where I left off and not end up completely confused. Does this sound like the same issues you have had?

Let eBay be your solution to the fastest and most simple way of making money! Let me share the ropes with you so you can begin right away.

Step 1 - Log on to eBay and start exploring!

Sounds too easy right? Well it is, as I promised. Just look up searches for things you are interested in and see for yourself how items are listed.

Make note as to how some auctions draw your eye to them, and others don't. Look at the titles of the items, which ones would you be more drawn to and why. Under the "search" box, use different words to describe what it is you want to find and see what comes up.

Notice how many different categories there are and observe the specialty sites. Interesting now isn't it!

If you are feeling a bit more comfortable the next thing you should do is buy something from eBay.

Step 2 - Buy something from eBay.

The reason you need to buy something is because to be a good seller you must understand what it is like to be a buyer. You do not have to spend a lot of money here, in fact you should not spend a lot, just get your feet a bit wet and try it out.

To find out the steps in buying from eBay check out my other articles. You will see that it is not difficult to set up a buyer's account on eBay, AND you get to choose an eBay user ID, a code word if you like that eBay users will know you by. Sounds exciting now doesn't it! Who knew that part of the process to making money on eBay was shopping! Well I would say that is just too much fun.

Okay, now you have browsed around eBay, you have familiarized yourself with auctions, and you have purchased something! That is great and you are now ready to make some money.

Step 3 - Sell something from your attic.

Don't panic if you do not have an attic. Do you have a cupboard, a closet, a drawer, a child! No, just kidding, there is no need to sell your firstborn, at least not yet! But you do need to find something to sell, and it would be best if it was not your mother's $5,000.00 wedding ring please!

You do not want to start with an expensive item, remember this is a first sale for you so make it easy for yourself. Also, keep in mind shipping costs and packaging needs, so size and weight is a factor here.

Once you have found your first item, or items, take some really good pictures of them and upload the photos on your computer. You are now ready to set up a seller's account on eBay. My other articles can guide you through this process.

If you have followed these steps, you can sit back now and watch the price of your item go up and up, until at last someone buys it!

You have taken the plunge. In essence you have begun your exciting career on eBay. May this be the beginning of a very profitable journey for you.

Pauline Kiselbach is a single mom of two who started with nothing and built a wildly profitable eBay business. She has put together a free multi-part mini-course to teach you how to generate quick and easy profits on eBay.Abigail Blog62458
Annmarie Blog46147

How Can A Web Site Create Income?

Many people are making a very good living from their web sites! How can a web site make money?

The Internet has been a place of free information and a place where you could read about any subject for free, and it still is.

But it has changed to also be a huge market place with large amounts of money being spent every day. All you can think of from music to cars and skyrockets are available.

There are different models of making money online.

Each model have advantages and disadvantages. Here are some of the most common models:

Set up an online store

An online store will sell goods through it's web site including delivery to the door. This model requires a lot of work and it's nearly the same as having a real world store. You have to do all the same procedures and everything except the actual shop location are needed.

Affiliate marketing

Affiliate marketing has become one of the most popular methods of making money from a web site. A high percentage of online merchants have an affiliate program. You'll become an affiliate of the merchant when you sign up to join the affiliate program.

You will link to the merchants products from your site and get a percentage of every purchase made from your links. The links can be implemented in the form of banners and or text links in your content.

Advertising at your web site

Google's AdSense program is a popular maintenance free income source. Once accepted into the program it's very easy to implement. You just insert a code into your pages and appropriate ads for your pages theme will show up. The difference between AdSense and an affiliate program is that you will get paid a small amount every time a visitor clicks on your ads.

Of course there are plenty of other advertising networks available. As they all work more or less the same no detailed description is necessary. Other well known ad networks: Yahoo, adbrite, azoogle ads, chitika... just to name a few.

The drop shipping model

Drop shipping means that you sell hard goods without having to actually store or handle it. The goods will be handled, stored and even delivered by a drop shipping company. The goods will be delivered as if you were the sole provider. This has the advantage that your online presence will appear to be an online store when in fact all you need is a website.

Making money from a web site will not be achieved over night, but it can be done if you are willing to work at it. Keep going and you will have all the chances in the world.

Ove Nordkvist is the main author for the web site http://www.small-biz-ideas.net. Learn more how to build a web site and develop it into a web business!Auria Blog13942
Angele Blog37115

The Dukes Of Hazzard (Season 1) DVD Review

In the late 70's and early 80's, television viewers fell in love with The Dukes of Hazzard, a weekly foray into the fictional setting of Hazzard County, Georgia. Cousins Bo and Luke Duke (John Schneider and Tom Wopat) spent each episode trying to do good, while the loveable Boss Hogg (Sorrell Booke) concocted various schemes for making money and having the Duke boys, who always foiled his plans, thrown in jail for violating their probation (the result of a deal with the federal government to end the centuries-old Duke family tradition of bootlegging).

Joining Bo and Luke are their Uncle Jesse (Denver Pyle), a grandfatherly figure who owns the family farm, and Cousin Daisy (Catherine Bach), whose skimpy shorts coined the cultural term daisy dukes. Along with Crazy Cooter (Ben Jones), the local mechanic, they create a formidable threat to the money-making shenanigans of Sheriff Rosco P. Coltrane (James Best) and the owner of seemingly every business entity in Hazzard County, J.D. Boss Hogg. But critics will argue that the true star of the show was the General Lee, Bo and Lukes bright orange Dodge race car with the Confederate flag pasted on its roof

The Dukes of Hazzard DVD offers a number of famous episodes, including the series premiere One-Armed Bandits, source of the video clips that would appear in the opening sequence of the show for much of its duration. Other notable episodes include High Octane in which Jesse Duke outsmarts Boss and Roscoe in his quest to win the governments alternative fuel contest, and Route 7-11 in which Bo and Luke unwittingly become part of an illegal gambling ring until Jesse comes to save the day. Also included on the first season Dukes of Hazzard DVD are The 20th Anniversary Hazzard County Barbecue documentary including John Schneider and Catherine Bach, Dukes Driving 101: A High-Octane Salute including interviews with professional racecar drivers, and The Dukes of Hazzard: Return of the General Lee video game preview

Below is a list of episodes included on The Dukes Of Hazzard (Season 1) DVD:

Episode 1 (One-Armed Bandits) Air Date: 01-26-1979
Episode 2 (Daisys Song) Air Date: 02-02-1979
Episode 3 (Mary Kayes Baby) Air Date: 02-09-1979
Episode 4 (Repo Men) Air Date: 02-16-1979
Episode 5 (High-Octane) Air Date: 02-23-1979
Episode 6 (Swamp Molly) Air Date: 03-09-1979
Episode 7 (Lukes Love Story) Air Date: 03-16-1979
Episode 8 (The Big Heist) Air Date: 03-30-1979
Episode 9 (Limo One Is Missing) Air Date: 04-06-1979
Episode 10 (Deputy Dukes) Air Date: 04-13-1979
Episode 11 (Money To Burn) Air Date: 04-20-1979
Episode 12 (Route 7-11) Air Date: 05-04-1979
Episode 13 (Double Sting) Air Date: 05-11-1979

Britt Gillette is author of The DVD Report, a blog where you can find where you can find more reviews of movies and TV series. Source: http://thedvdreport.blogspot.com/2006/02/dukes-of-hazzard-dvd.htmlAda Blog34402
Allie Blog69897

Raising Your "Spirited Child", Without Going off the Parenting Deep End!

Over 200 pairs of eyes are glued to me as a spirited child screams, "ORDER ME MY MEAL NOW!"

This child has refused to order his own hamburger (as he has done many times before) and when I calmly tell him he can either order it himself, or go home without his burger, he goes completely berserk. Yes, I have entered into a food fare nightmare"with my formidable opponent, an eight year old child.

I feel my cheeks flush as public onlookers wait in complete stunned silence to see who will winthe big one or the little one?

The Four Parenting Keys to Taming Your Spirited Child

Surprisingly, over my years as a family counselor, I have come to love working with spirited children. These children have a fire in their belly, a spark in their eye and a feisty attitude that assures their future in walking to the beat of their own drum instead of blindly following the crowda trait many parents hope for during the teen years. Yet that day in the food fare I was worn out, embarrassed and on the verge of saying "I quit!"

Raising your spirited child can be exhausting. Fortunately for me, I learned some commonsense parenting tools that eliminated nearly all future fights. Allow me to share some of these parenting tips that can support your efforts in taming your spirited child.

Raising your spirited child with these four parenting tips can help you navigate the emotional mine field successfully:

1. Use consistency. Follow through on EVERYTHING you say. Spirited children are gifted at manipulating "chances" and finding loopholes to obtaining exactly what they want. Hold your ground as calmly and firmly as possiblewhatever you do, dont back down.

2. Talk less and act more. This works well, because when you get into a debate with a spirited child you are certain to lose! This is why in my "food fare nightmare" example above I gave two simple options; to order the hamburger or go home without it (the talking less part); and then silently waited (the action part).

3. Develop patience. Waiting out a fight without saying anything (especially if a temper tantrum erupts in public) can be one of the most difficult, yet important, things you ever do as a parent. Spirited children are brightthey know that the biggest weapon in their arsenal is to push your embarrassment button. Swallow your pridedo not cave in just because you think you look bad in public. Remember if you cave in, your child will learn to use this trump card every time they want their way in a public setting.

4. Take time out for yourself. Parenting children is exhausting (especially a feisty child). Find little ways to take time out yourself (share child care with a friend, hire a babysitter more, use extra hours at daycare) so you will have more energy and patience to draw from during the trying situations.

What Does the Future Hold for Your Spirited Child?

These commonsense parenting tools tame the negative opposition, but let their beautiful spirit flourish. If you attempt to use traditional discipline practices and make your child do what you want, you face an un-winnable uphill battle.

Fortunately, commonsense parenting does not mean letting your child get away with murder! A commonsense approach uses firm boundaries, mutual respect and disciplineteaching a child to naturally learn and grow from their mistakes rather than fight you every step of the way.

In the midst of your next fight, you may wonder if there will be an end to the madness. I am here to tell you that there will be a resolution to your current dramas. In my case, these tips allowed me to triumph and actually enjoy raising a spirited child.

This same child who gave award-winning temper tantrum performances in public and could bring me to my knees is now a responsible, respectful and enjoyable 17 year old college student whose year ahead is completely paid by scholarships won. For me and him, we both won in the end. May it also be the same for you.

When taming your spirited child remember to keep the faith, learn commonsense parenting tips and know that eventually if you follow the basic principles above "this too shall pass."

Kelly Nault-Matzen, MA, family counselor, corporate parenting spokesperson and award winning parenting author of When Youre About To Go Off The Deep End, Dont Take Your Kids With You shares time-tested tools that motivate children to want to be well behaved, responsible and happy! To gain access to more parenting tools and to access your free online parenting course visit http://www.ultimateparenting.com Alysa Blog80769
Aprilette Blog59249

More Money For Pensioners

If you are dissatisfied with your pension or even
your anticipated pension, and need more money
without constantly working then this could be
your solution, it is not as impossible as it may
seem at the moment.

You need to develop a positive attitude to life
and decide that you will not be put down. Yes you
can do it and here is how to go about it. Now
with this positive attitude to life start looking
at an alternative that is not so easy to dismiss.

First to help you believe in yourself, list down
all things that you can do, list all types of
jobs you have done, the paid and unpaid, and
voluntarily and your hobbies.

This preparation will be the foundation of you
newly to be acquired skill. That skill being the
ability to generate real cash from ebay. Yes you
can make a lot of money but you need to know how
to go about it.

I have some free advice on this on my web site.

You will see lots and lots of adverts for showing
how you can make a fortune working from home only
the good ones give you really free start-up
information.

Working direct from your home on items that can
be sold and delivered electronically by email is
the route to consider. The list from above which
you have created is the key. Because electronic
books (ebooks) sell easily and well on ebay so
this is where you need to concentrate your
efforts.

So if you to want to look at ebay for yourself
tread carefully don't spend vast fortunes on
packages that offer tens of thousands per week
without any effort. If it sounds too good to be
true, then it probably is too good to be true.

Instead find guides that get you going free of
charge, then if you like what is on offer follow-
through and buy their package.

So Focus your thoughts on the future, the past is
past and cannot be changed, but in deciding where
you want to go in the future, you will increase
your chances of getting there. Always aim high,
and you too can make it a success.

If you want some free advice and guidance on to
ways to work for yourself without spending a
fortune then have a look at my web site.

In the comfort of your own home you can then read
of exciting ways to develop your own ebay income
and only when you feel comfortable with it do you
need to do anything more about it.

This could be the big solution you have been
waiting for.

John Harriyott runs Quality Solutions (UK), developing tools for the layman who wants a better life. To find out more on this visit http://www.quality-solutions.co.uk/pension.htmAdriaens Blog22778
Aridatha Blog64217

A Slots Quiz From Gamingquiz

OK, Class, its test time. I have created this quick test for novice and veteran slot players.
I offer up this quiz in the expectation that all slot players will forever hear the sound of raining coins.

Lets get started...

1) What is an RNG?
A. Really Nice Gambling?
B. Random Number Generator?
C. Right Number Gaming?

B. Random Number Generator: a computer chip placed inside each slot that is programmed to generate multiple combinations of symbols and payouts. A selection is picked randomly, thus determining the final outcome. A busy little drone.

2) What are the three types of slots?
A. Basic, Progressive and Bonus slots?
B. Red White & Blue 7s?
C. Flat Tops, Megabucks and Double Diamonds?

A. The three types of slots are basic, (aka straight slots or flat-tops) that have a constant jackpot. Progressives with an ever-changing jackpot and the latest gaming trend, bonus video slots that offer a bonus round for extra winnings. Although the RNG runs all three types, there are different playing strategies for each type.

3) What is a multiplier slot?
A. Slot that has multiple graphics and symbols?
B. Pays more for more coins played on certain winning combinations?
C. Multiplies your win no matter how many coins played?

B. Stated simply, the more coins played, the better the winning payouts. Particular symbol payouts, as per slot schedule, are multiplied by number of coins played. This can mean the difference between a 2-coin payout and a 10-coin payout for max. coin in play. So, 1 bar, 2 bars, 3 bars--oh yeah!

4) What is a nudge slot?
A. Wild Symbol combination pays?
B. A certain combination nudges you to the Bonus round?
C. Paying Symbol dropping up or down on center payline for win?

C. Come on baby, drop that paying symbol down and give mama a big win.
It could be a basketball, diamond, cherry or wild symbol. You just need a little nudge up or down to that center payline and you are in the money.

5) Whats a short win?
A. A small jackpot?
B. A win just before you are running out of money?
C. A large win with a small cash outlay?

C. This happens all the time. A large jackpot is hit with a minimal cash outlay.
15 bucks gets you $1000s. Now thats a long win on a short chance.
Take the money and run!

6) What is flying solo?
A. Gambling alone?
B. Slot Players who play one coin only.
C. Only winner of a progressive jackpot?

B. I call them onesies. Slot players who play only one coin. I know I advocate wager management, but this is wager suicide. I suggest you drop down a denomination and play max. coins where at least you are in the running for the top jackpot without the slot bends of missing out because you should have played just one more coin. The only exception here is the bonus multi-line slots.

7) EASY POINT. Whats Call Attendant?
A. Large cash hand-paid jackpot?
B. Machine is broken, needs maintenance?
C. My slot club card points have reached their limit?

A. Its party time! Big time payday with hundreds peeled off into your sweaty, winning palms. All casino players should get this one right and truly enjoy the experience.

Gayle Mitchell is the creator of GamingQuiz: Custom Gambling Q&A at http://www.contentgambling.com & http://www.contentgamblingPL.com #1 Source for gambling content online providing 5 premium services incl. CGPL Membership monthly article pkges. Free! Subscribe to ContentGambling Newsletter.Aleda Blog13951
Alicea Blog28598

Plan Now To Save Money And Time This Christmas

It is still only September, but now is the perfect time to make some preparations for Christmas and save your time and money.

Firstly Ill give you some tips on how to save money in a variety of ways and generate some extra spending power for your Christmas treats.

Next Ill give you some time-saving tips to make all that extra spending as convenient as possible and by the end of October youll be ready and prepared and looking forward to a relaxing Christmas time with your family and friends.

So first to money and how you can boost your budget for Christmas preparations and presents. The best way to save money is to cut back on your spending and the easiest way to do that is to focus on the money you spend on things that you wish you didnt! Things like credit cards bills, insurance, loans, household bills, car expenses etc. All those things that are seen as essentials, but they drain your cash at an alarming rate. What if you were able to cut those expenses by just 10%? I dont doubt that just that small saving will provide a significant increase to your Christmas budget.

Lets look at interest payments a big drain on your resources if you have some debts. Mortgages and loans are a common feature of many household budgets. When was the last time you looked at your mortgage arrangements? If it was more than two years ago, then now could be an ideal time to review your mortgage deal and look around for a new one if appropriate. You could have a new arrangement in place by the end of October if you start now and you could be saving a few hundred pounds every month if you on a particularly poor deal at the moment just think, that could add almost a thousand pounds to your Christmas budget over the next 3 months.

Next, credit cards if you have any debt at all on your credit cards and are being charged interest, then look around now for an interest-free balance transfer deal. As long as you dont spend any new money on that card, you will cut those interest payments to zero for the next few months even more cash in your pocket. There is another important side effect of this strategy too if you need to use your credit card for some Christmas essential spending, then if you have found a deal that offers a zero or low rate on new spending too, you'll be saving even more money.

Insurance next. Ive noticed that household insurance has been creeping up in price over the last few years. It was always seen as a low cost item and renewed without much thought, but Im spending over 700 per year on this expense and Ive only ever claimed once in the last 20 years surely there must be a cheaper way? Youll be pleased to know that there is! The home insurance marketplace is extremely competitive, with all companies trying very hard to attract new customers. Get on the internet and fill out a few quote requests you may get a pleasant surprise and save yourself another couple of hundred pounds.

Next lets look at time. Weve often left our Christmas preparations too late and ended up rushing around the shops at the last minute, struggling through the crowds and finding that all the best items have sold out. Wouldnt it be nice if you had all your plans in place and could spend those final few days enjoying the Christmas atmosphere without the stresses of last-minute shopping spoiling the fun? Well with a little planning now, that could be you. Ive just come back from a shopping trip to London and throuroughly enjoyed my day out Christmas shopping in September! Ive just taken a half day off work during the week and visited all the big department stores in comfort and peace. Harrods, Hamleys, Harvey Nichols all in relaxed surroundings and no crowds. I had a reasonable list of people and ideas and went looking for items and more ideas, plis I was intent on enjoying myself. The stores were almost empty, the staff very helpful and the cafs had plenty of space for my frequent breaks. I came back with a bunch of great presents and a heap of further ideas for other presents. I now intend to purchase the remainder of my Christmas list using the internet from the comfort of my own home. Ill save some more money and if I do that now, I wont have to worry about Christmas delivery schedules.

Plan ahead, plan well and plan to have a peaceful and relaxing time this Christmas.

Sue Barnard authors consumer information for a variety of money saving and personal finance websites. More of her work can be seen on this http://www.finance-team.co.uk website and this http://www.cheap-rate-loans.co.uk website.Amalea Blog69201
Almeda Blog92707

Easy Work from Home Ideas

The ads have been around for years in magazines and newspapers. Now theyve moved to the Internet. They promise easy work from home ideas, unlimited opportunities and high pay. Unfortunately they usually promised more than they delivered, and the buyer was disappointed once again. There are real business opportunities though. It just takes personal discipline to determine which the best business is for you. An honest and thoughtful analysis of your skills, abilities knowledge and resources is the first steps to choosing an easy work from home idea.

Here are some ideas to get you started.

Online store

Looking for easy work from home ideas? You can start in a matter of minutes with prepackaged software and name brand merchandise. You dont need to stockpile inventory, you arrange for drop shipment from a central warehouse directly to your customer. You dont need to pay for expensive office or sales space, just a corner of your kitchen or den.

Web site design

In order to do this job you will need to be creative and understand computer program. You can use one of the web site design software programs. Many small businesses would welcome your assistance in going online. Be sure to maintain a portfolio of your work to offer to show future customers what youre capable of. Easy work from home ideas such as this guarantee a bright future.

Content writing

Creative writing ability and a good command of grammar and punctuation are prerequisites for this easy work from home idea. You need to have access to the Internet. Answer an ad on one of the good freelance opportunity sites to soon have more work than you can handle. Again, its important to maintain a portfolio of your best work to demonstrate your abilities to potential clients. There is other easy work from home ideas that we can list, so keep reading!

Multi-level marketing

There are many multi-level marketing programs out there, not all of them are good opportunities for work at home. Choose carefully, look for companies, which offer real products and provide good compensation plans. Easy work from home ideas such as multi-level marketing is great for people inclined towards sales.

Online Surveys

There are many companies who want you to sign up to take surveys. Choose sites that pay for the services with cash or merchandise. You shouldnt need to pay for the service. Sometimes these sites also include cash for reading emails offers. If you receive gifts for surveys and its an item you dont want, consider selling it on one of the online auction sites.

Online auctions

The most well known of these sites is eBay. You can offer new or used merchandise at auction. This is a simple and easy work from home idea and requires very little in the way of up front costs.

Trading Domains

Good domain names are out there. You can find names, which are underused and link them to your own site or another site. Sometimes, you can even receive a commission as an affiliate for items that are purchased through your link. Or, sell the domain names directly on an online auction. Easy work from home ideas does not get better than this!

Online stock, commodities and Forex (foreign exchange) trading

Are you interested in easy work from home ideas relating to finance? Learn to be a trader through the educational programs available on broker websites, start with a virtual trading account, practice with virtual money, and when you have gained confidence and experience, try it with real money. You will need a computer with a reliable Internet connection.

Description: This article describes the importance of a self-inventory in determining which work at home opportunity is best for the individual. Here are eight easy work from home ideas that require little cash, experience, or inventory are described briefly.

Kelvin Tan is an Internet Business Expert where he created $10,045 sales in 24 hours just by sending out 5 emails without any list or website. Click here - http://www.mysecret2success.com to know how he did it. To learn about the secrets of easy work from home ideas, visit http://www.mysecret2success.com.Ariel Blog79043
Aprilette Blog59249

Orlando Top Ten Tips On Making The Most Of The Attractions

TIP 1 -- Plan ahead. One of the biggest mistakes you can make is to arrive in Orlando and not have any idea what you plan to do. It's best to spend some fun time with the family at home and plan your vacation agenda. More than likely you won't stick completely to your plan when you get there but try to use it as a guide.Work out how many day's you'd hope to spend at each attraction and decide which attraction's you want to see.Doing this will insure that you don't run out of day's and maybe not have any time left to visit the one you hoped to visit before you leave. Remember: Orlando is a big place so you'll not get to do everything in one visit so choose carefully.

TIP 2 -- Start Early. You'll want to get as much out of your day when you visit the park's. Go to bed not to late so you can wake up early to get started. Have a large buffet breakfast which are very reasonable in Orlando which will help you get going. This will save you time and money when you get in the park as the price's are more expensive there. Remember: No matter what time you arrive at the park it's still considered one admission unless your using a hopper pass or the like so get there early and get your money's worth.

TIP 3 -- Do The Reverse. Most people when they get to the theme parks head in one direction.For example they may all walk round the park clockwise or anti-clockwise depending on which park it is.You'll soon realise when you get there.A great tip is to do the opposite and walk the other way.This means all the rides that most people will be finishing their day on will be the one's you start of with.You'll find that they are not as busy so there won't be as much waiting involved.Another way to beat the queue's is to do the ride's when the parade's are on if you don't mind missing them.Remember: It can get quite hot in the queue's so to avoid dehydration drink plenty of water and if possible bring your own as it can be quite expensive buying it there. Also don't be put of by some of the waiting time sign's.You might find it say's 30 minute's wait time but you might find yourself walking straight on.

TIP 4 -- Pick Your Spot . At the end of each day at many of the parks you'll be presented with a stunning fireworks and lazer display. Trying to get a good spot to see the show can sometimes be difficult.If your happy that you've seen as much of the park that you want to then it's a good idea to pick a good spot maybe an hour before the display starts.This might seem like a waste of time just waiting for things to begin but it is a very relaxing and stress free time to unwind from the busy day you've just had.For example - a great place to see the Illumination's Reflections of Earth show at Epcot is to go to The Rose And Crown bar in the world showcase section of the park.Her you can have a beer and sit in comfort and watch the show. Remember: After the evening fireworks are over most people tend to leave the park so be prepared for a slow walk to the main gates.

TIP 5 -- Speak With Your Tour Rep On Arrival. When you first arrive at your hotel after a long flight it can be a bit daunting trying to take in all what's ahead of you. This is even more so if it's your first visit to Orlando. Usually you will be given the chance to meet up with your travel company's tour rep. Normally this would be first thing the following morning depending on your arrival time.Frequent visitors may decline this invitation but it is always useful no matter how many times you visit. During the meeting your rep will answer any questions that you may have.They will be able to give you a general layout of the area and supply you with maps.You will also be given the opportunity to purchase tickets. At 'Stop Orlando' we recommend that you buy your ticket's before you leave as this gives you more time to plan your trip. Buying them from your tour rep dosn't give you much time to decide which ticket's you require and you may be put on the spot and purchase ticket's which you didn't really want.If your not planning on going to themeparks or attractions every day then buying from your rep might suit you but if your planning on filling your complete vacation with eventful days at the parks then plan ahead. Remember: If your tour rep can't answer any questions you may have then they will probably be able to find it out for you in a small space of time.Don't be afraid to ask anything you like no matter how stupid it may sound.They are there to help.

TIP 6 -- Use Your First Day Wisely . Now this tip might not be to everyones taste but it can be a blessing in disguise.It's very tempting after your plane touches down in Orlando to go running out of the airport and dive straight into one of the many themeparks.You leave your bags unpacked in your hotel room and worry about unpacking them the next day. This might be ok for people that don't have to far to travel and may be full of energy and are raring to go when they arrive but like the majority of tourists in Orlando you have probably had one hell of a day travelling. The best thing you can do is take it slightly easier the first day.Firstly get your suit case unpacked.This will only take you twenty minutes.You don't want to be trying to do this on your second day before you hit the parks.If you arrived on a late flight leave it till the morning.On your first full day in Orlando don't be getting up at sunrise to to rush down to Disney or wherever.What you want to do is have a relaxing breakfast. Tour International Drive and experience the many exciting and fun activities you can do there. Finish of your first day by trying one of the many amazing restaurants near your hotel. Have a night cap then go to bed. You'll wake up the next morning feeling like you've had the best night's sleep ever. All that travelling will be well out of your system and you'll now be ready to spend the next 13 day's going crazy in the park's. Remember: Try to give yourself some time to explore the smaller attractions throughout Orlando.You'll be surprised at how many there are - some of which you may not have heard of.

TIP 7 -- U.S Travellers Cheques. This one is aimed mainly at visitors outside the U.S. When getting your currency before you go you'll probably want to take travellers cheques rather than cash. Instead of buying your cheques in the currency of your home country you would be better buying them in U.S dollars format. This way you'll be able to use them the same way you would use cash. For Example - If you take your travellers cheques in say U.K sterling ,you'll have to find a place that will exchange them for U.S dollars.This will happen every time you want to use them.Not only will you have this hassle of getting them changed to dollars but you will also more than likely have to pay a commision fee to the exchanger.On the other hand if you bring your cheques in U.S dollars (which you can get before you leave) you will be able to spend them like cash in almost all the shops and attractions throughout Orlando.You will even be given change in U.S cash. Remember: You will probably be asked for I.D when spending your cheques so don't forget to take it with you when your out.It's a good idea to take a small bit of cash with you for your first day as this can be useful for your trip from the airport to your hotel for the likes of beverage's or a newspaper or the toll roads if your hiring a car.

TIP 8 -- Use The I-Ride Trolly System . Getting arround International Drive couldn't be easier. The I-Ride is a tram like bus service that runs the full length of International Drive. You can get on and off anywhere along the route for the one of price of $1. Children under 12 ride free if accompanied by an adult.They arrive every 20 minutes so you won't have to wait long to catch one.If your planning on using the system regularly then we'd reccomend buying a pass which range from 1 day at $3 to a 14 day pass at $16. Remember: You'll need to have the right change on boarding one of the trams as they don't give change.This isn't so bad as you can get rid of all your build up of quarters and dimes that you'll aquire over your stay.You know the change you always come home with that you won't be able to exchange anyway.

TIP 9 -- Use The Vouchers .Make sure you pick up and use the many voucher books you'll find throughout Orlando.You can pick them up virtually anywhere.In these books you'll discover vouchers for discounts on a lot of the smaller attractions plus many 2 for 1 offers. There'll be plenty of vouchers for shopping and you'll be able to save plenty on dining out aswell. Remember: Vouchers are there for a reason so don't feel embarrassed about using them.We all love a bargain don't we.

TIP 10 -- Do Something Different .We all go home from Orlando with many happy memories that will last with us forever. You'll be able to tell all those folks at home all about the many rides and thrills you experienced during your stay ,but if you really want to amaze them then do something different.Everyone knows about the theme parks and the fabulous shopping etc but why not do one thing that most people never do when they visit Orlando.For Example - Take an airboat ride through deep swamps surrounded by alligators or go deep see diving or maybe see Orlando from the sky in a helicopter tour .Remember: Your tour guide on arrival will be able to help you arrange these activities when you arrive.There is an option to do the airboat ride combined with a trip to Kennedy Space Center which is available as a coach trip from many hotels.

This information is provided by http://WWW.STOPORLANDO.COM.

Neil StewartAndra Blog44132
Allianora Blog75074

Besucherza sexsearch