2008/11/15

German Black Jack Site

If you're living in German and you like to play black jack whether you play it for fun on weekend with your buddies, or play it for a big time blackjack tournament, or play online poker to kill your spare time between work, then you must have realize that there are so few online blackjack site that's for you german speaker. Most of them are in english, and if you're not an active english speaker or understand just a lilttle english then you are screwed. You must have to have a german language site for you to understand and to play online blackjack.

But not to worry, for you german language speaker I will recommend you with a great german language online black jack site, Casino.de. Here in this site you will find many poker sites all in german (mostly) or any other language available. You can read all about Blackjack information from: blackjack instruction, interactive blackjack exercise play, blackjack basic strategy, blackjack rules, blackjack variants, the best blackjack casino and many other. So you can also play online casino straight from this site without worry that they're going to scam, since they only listed the best and most reputable online blackjack casino out there. So have fun playing online blackjack, and good luck!

2008/11/05

How to Shop for Sunglasses

When choosing the sunglasses that best fit you, three factors should be considered. First and foremost, sunglasses are used to protect your eyes. A pair of sunglasses that offer no protection can actually be more harm than good. Secondly, your sunglasses should feel comfortable. Finally, you want to look good in your shades, so pick a pair with some consideration of style.


Sunglasses can be made of many different varieties of materials. These materials also carry with them different levels of protection. As you sift through the masses, remember that protection is the reason you are wearing sunglasses. Find out about the level of UV ray protection they offer and avoid those that cannot provide 99-100% protection from UVA and UVB radiation.


Dark sunglasses do less for your eyes than you think. A darker tint makes it more comfortable for you to see in the bright sun. However, if those dark glasses fail in offering the protection you need from harmful rays, they may be causing more harm than good. Dark shaded sunglasses make it easier for you to open your eyes, allowing UVA and UVB rays greater access to your eyes to cause more damage. If forced to choose, you are better off with a pair of sunglasses with UVA protection and a light gray tint than in dark lenses with no UVA protection.

There are also additional measures you can take with your sunglasses to help protect your baby blues (Or your greens, browns and grays. They're all equally important!) Many sunglasses have a wrap-around design that widens around the temples and appears to wrap around your head. This design blocks the sun from the sides of your face, offering greater protection than smaller framed glasses. If your precious eyesight is not enough to convince you to be choosey about your sunglasses, consider one more thing. When you squint your eyes, you are causing your forehead and sides of your face to wrinkle. No one wants crow's feat before their time.

After protection, comfort is the next most important part of picking out your eyewear. Consider the tint of the lens. For very bright settings where the sun has surfaces to reflect off of, polarized lenses may be helpful. Polarized sunglasses reduce the glare caused by the sun hitting the water, snow or other surface. Even though you may be blocking out the harmful UVA and UVB rays, you're not going to care much if you can't see anything.

When you try on sunglasses, pay attention to how they feel on your face. Does the nosepiece rest firmly on the bridge of your nose without sliding? Is the frame a good fit for your face and rests gently over your ears? This is a helpful checklist when sunglass shopping. If the sunglasses are going to cause you discomfort, you'll be more likely to take them off. If that's the case, why have them in the first place?

Although it should never be your number one consideration, fashion should be a factor in the selection of your sunglasses. It is not absolutely necessary that you wear the designs you see celebrities sporting at all times. Those shades may be easier to find than others, but they're not the only ones out there. Pick frames that flatter the shape of your face and complement your style.

A good rule of thumb is to choose a frame shape that is the opposite of your facial shape. A round face goes well with a pair of oval or square sunglasses. The worst shape for the round face is a pair of round frames. Likewise, an thinner or longer face looks great with a pair of round frame sunglasses, but not so much with a square set of frames. Oval shaped faces have their pick of shapes, they are the most versatile. "Lucky!"

Just be smart when shopping for sunglasses. Remember what you're buying them for, and pick styles that complement you. When you choose sunglasses based on these three factors your eyes will thank you. They'll be protected, stylish, happy, and you will be too.

2008/10/08

Face Park


Daily on cue is what the author is. Anyone would pay many cash for the tips shown in the blog, i know i would. I like that a fresh post is available each and every day. I adore how the pictures define a story in themselves. Every article available in the blog is neat, no filth in terms of offensive pictures or anything. I love the logo of the blog. I love the positivity I see on this blog. I personally do not believe any could have written it greater than this guru.

Informative articles about face park, you can learn things you didn't know earlier. It can turn you from a non believer to a believer in a matter of lines. It's nice to observe how the photos are always the best size. Clear written NO scientific mumbo jumbo NO big words this is the manner articles must be written. The photos are appropriated and help understand the thoughts smoothly. What I admire is the aspect of share this with a friend. 

2008/04/15

Washington Mutual Savings Accounts

Savings accounts is an attractive instrument to manage your finances. Money can be a difficult thing to handle. Managing your finances can be tough if you have to break it down into groceries, bills, tuition fees, and other expenses. However, it is always sensible that you put a portion of your salary into savings, even if it’s just a few dollars every week. Many unexpected expenses can suddenly pop up and having money in a savings account can be a helper solution.

Washington Mutual, Inc. is one of the nation's leading banks for consumers and small businesses has a new version of wamu.com with new navigation and functionality. Improving the customer's online banking experience and more personalized. The site also possesses a look more consistent with its customer-centric brand. Open a WaMu savings account or certificate of deposit (CD) to reach your savings goals. Any type of the best savings account or certificate of deposit such as:

1. Online Savings
2. Statement Savings
3. Traditional CD
4. Online CD
5. Liquid CD


Many place often requires a minimum balance when opening a saving account, but in WaMu you only need one dollar to open an account. WaMu offering a great protecting your account and they work with you to help keep you from getting charged for insufficient funds. A huge benefit ofering by WaMu. Apply a Savings Accounts online and they will send you all the checks, information about your account, and your ATM card. A wonderful experience with this bank, and I am sure you will as well.

2008/03/28

The challenge of tackling a massive credit card debt can seem almost impossible at times. When you look at the many bills rushing in each month and then you start going through that credit card bill, the idea of actually starting to pay that bill down can be overwhelming. And part of the reason that uphill battle to win over debt seems so hard is those almost ridiculously high interest rates credit card companies are allowed to charge.

If you have a credit card debt in the thousands of dollars and that interest rate can get above 15%, that is going to mean that a large portion of your monthly payment is going to go toward the interest. And what that means is that your balance will go down slowly which is very discouraging especially if you are also using the credit card so your balance continues to go up and up and up.

How often have you looked at the average interest rate that the credit card companies are charging you and thought, “I sure wish there was some way I could but that interest rate in half or less”? If you could just get that interest rate down under 10% or even better, that step alone would help you put more of the payment money you pay out each month toward reducing the debt. And if that rate could be locked in so it isn’t constantly being jacked up by the credit card company, then you have a real path toward paying off what you owe once and for all.

There may be a way to actually get a credit card rate you can live with from the credit cards services you already are working with. It goes back to that old advice that your mom or dad might have given that goes – “You don’t know until you ask.” That’s right it is very likely that if you call the credit card company and explain to them the situation, they might have the resources to negotiate a rate with you that you can live with and offer you the same services a credit consolidation company would offer.

It’s good to take a moment and look at the world through the eyes of the credit card company. They are in business to keep good customers who pay their bills. For credit card company, the worst kind of customer is one who is constantly late on their payments or doesn’t pay at all so they have to go through the expense of nagging those customers for the money. And customers who have the resources to dump them because their rates are too high are also a big threat to their livelihood because they depend on you needing them and being willing to pay those interest rates and fees.

So rather than see you dump them or take your debt elsewhere like to a credit consolation service or a second mortgage, its better business for the credit card company to cut your rate and continue to make some money off of your debt. Competition is just as intense for the good customers in the credit card world as it is in any other business. So if you pay your bills and are the kind of customer these companies like, you have a bit of leverage with them that you may not have known you had.

Make sure when you call the credit card company to renegotiate your rate that you talk to someone who can actually change things. And bring some clout with you. Be prepared to cancel your credit cards or move your debt to another card or credit service. If you let that credit card company know you are unhappy because of the rate, they will have some kind of program to keep your business. They aren’t going to tell you about it but its there. And if you are persistent and want it bad enough, you can get the credit card companies to play ball your way and give you a premium interest rate you can live with.

2008/03/25

When a marriage comes to an end, it’s always a tragedy. Of course the rending of the family unit and the difficulty for the kids is the hardest thing about separating at divorce. But the difficulty of separating one house into two can be difficult and tedious to say the least. You have to go from one checking account to two, two homes instead of one and separate accounts for everything from credit cards to utilities.

The is an additional overhead to how to handle a divorce situation if in addition to splitting your assets, credit card debt that may have been a part of the shared family financial picture also must be split up. To the credit card company, that family credit card is the property of that shared entity which was the marriage. So when the union splits up, the transition from a financial point of view of your accounts separating is not over night.

So one of the many issues to be discussed and a plan made for is how to separate that credit card debt. Whoever continues to hold the family accounts will continue to get those bills and be expected to pay them. Now the least preferable way to handle the debt is to build the payments into any forced settlement agreement such as child support. So at the time the divorce is final, the amount of the debt and the payments that must be made could be calculated and half of that put into the amount that the income generating partner must provide.

But that leaves the management of those credit card debts to one partner and the other one just has to pay a set amount. And if the credit cards get used by either partner, that legal amount would have to constantly be changed and that would prove to be a constant headache of administration.

If the divorce is a shared responsibility so each spouse can work with the other to adjust the financial picture in an advantageous way, then how to separate the credit card debt should be part of that planning. Part of that planning is how to use shared assets to pay down that debt. You may have a home that will be sold, retirement accounts or other assets that were set aside for the future of the marriage. Before you sell those things, close those accounts and distribute the funds, look at using the outcome to retire that shared debt.

But it’s likely some of that debt load will live on past the divorce. In those cases splitting into two individual accounts may be the way to go. In that way, if the family was carrying $10,000 in debt, if each marriage partner walks away with $5000 of the debt, that is at least fair and equitable and how each individual handles that debt is up to them.

There are two ways you can go about splitting the credit card debt. If the debt is with a carrier with whom you can negotiate and conduct a dialog, getting a meeting or having a conference call with the managers there would be productive. The credit card company would far rather negotiate with you how to handle this debt load then deal with it chaotically after the fact. So they may be willing to set up separate individual accounts and split the debt for you.

But you can always use the method many of us have used to manage credit card debt up until now. Each of you can set up some new separate credit card accounts. You no doubt have dozens of credit card offers coming in that you can use to kick off this process. Almost always part of the set up offers for these accounts are balance transfers. So if you take out individual accounts and use the balance transfers to move each partners shared part of the debt to those accounts, that would be a clean way to split the debt up.

There may be adjustments to be made to the 50-50 split idea based on who is the primary bread winner and maybe who ran up the debt and on what. But by negotiating the terms of how you are going to separate the credit card debt when you separate the marriage, that will be one more than that you are handling in a mature and responsible manner in the middle of a very tough situation.

2008/02/26

Getting Big Buck From Affiliate Marketing

It's a great way of making money at this age. The big companies are paying common people like me and you to promote their products. The pay could be incredible if you are with the right group. I am working with one having millions of consumable and other products, partnering with Circuit city, Barnes and nobles, Disney, Sony, Nike and many others. The have a marketing system that can make us wealthy.

You pretty much get paid to sell other people's products on their websites. I did this for a while selling Sirius radios. I did ok. I would buy adword space on google. Do a lot of research so that you don't spend too much. You may spend $20 and make $60. This sounds pretty good but you'll get a LOT of hits with that $20 so its not the quickest process. Find a product in a growing field like sat radios or something consumable.

Affiliate marketing is nothing new on the internet. However, it sure is something that many come and go after. When you are looking to start your own website or blog and add some affiliate marketing links to it, there are some things that you should know. Affiliate marketing is not for everyone. It is not for anyone that is looking to make money fast, nor is it for the impatient. You have to have two things in order to be successful with affiliate marketing, and those two things are patience, and determination. When you put those two together, there is no stopping you or what you can do with your affiliate marketing business.

Affiliate marketing can be done a few ways; it can be done through email, newsletters, websites, or blogs. By using any of these things, you can be successful if you are marketing to the right audience. Finding your readership, and catching them with good content is what it is all about. To do so, you need to know where they go and what they look for. Try starting with message boards to begin with. However, use some patience and don’t come off as the newbie know it all. Take some time and peak others interest. Add the link to your website or blog in your signature line at the message board that you are visiting, and most importantly, make sure that the message board is relevant to your market. If you have a website that pertains to a market that has to do with gardening, you will not want to be visiting a message board that is all about pregnancy. It is really quite simple to understand how these two things must be relevant to get results.

So, once you have found a busy message board that will allow you to include your link to your website in the signature of your posts, you are in business. Just start off by posting and chatting, and when someone asks a question that you know all about and answer to, answer it. This will peak their interest and before you know it, they will be clicking on the link in your signature and checking out your site. While doing this can be quite time consuming, it will pay off. Gain the other members trust, and you cannot go wrong.

You need more than a content page, you need a website that you have control and ownership of. It works sort of like pay per click except it is pay per action CPA. You get paid for each sign up for the product you are offering and no compensation is made for clicks unless otherwise stated.

The next thing that you should know about getting the most from affiliate marketing is that you should be writing articles. Writing articles on the market that you are promoting and then submitting them to article directories or ezines is a great way to get the most from your affiliate links and programs that you are a part of. Be sure that you include a link in the articles that you are submitting that will lead the readers back to your website. Doing so will get your site more traffic, and will pay off in the end. However, you will not want to submit the same articles that you have on your site to these directories. You will want different variations of the articles to be used in the directories. This is because when you submit these articles to the directories, you are going to see that by checking your back links, there are other webmasters using your articles. Which is also great because they will in return give you a back link to your site. However, they are depending on you to have a different article on your site than the one that you are submitting.

Affiliate marketing is something that takes work. You can not just set up your site and let it go. You have to work on it consistently to see a good amount of revenue come from it. However, make sure that you are doing everything that you can to get it seen. Use the best free tools that there are available to you, and pay for the ones that really work. You will find that you can get the most from the resources that are out there and available.

2008/02/25

The BIG of Search Engine Optimization

Search engine optimization or SEO is the hottest way to drive targeted traffic to the website. Website cannot be live without Search Engine Optimization. Maximizing the benefits of a well optimized website will yield lots of earnings for the marketer. However, optimizing your site might cost a lot of time and thousands of dollars if you are not skilled in this area. You don’t know where to find the SEO is? When you think SEO, think BIG - BrandIdentityGuru.

The BIG can be found at www.BrandIdentityGuru.com, you can get a comprehensive analysis to achieve your goals from your website. They also give an assessment about your competitor’s position, so you can prepare the next step to make your website more than it.

BrandIdentityGuru.com prepare your needs on SEO things, likes: keyword and popularity breakdown, copyright, meta and body tag optimization, submissions to search engines, report about your website review and analysis performance, and good services on maintaining and monitoring to your problems.

Take your position and BrandIdentityGuru.com as your best SEO partner. The benefits of keyword and popularity breakdown, copyright, Meta and body tag optimization, and etc. They always provide data with high quality of research. They are experts on their fields. And last, get guarantee 100% to increase your web traffic significantly. Ready to improve Search Engine Optimization. Contact them at:

Brand Identity Guru Inc.
304 Newbury St. Suite 555
Boston, MA 02115
Tel. 508.238.4347 Fax 508.238.5085
http://www.BrandIdentityGuru.com

Using Overture/Yahoo To Get Website Visitors

The website is built. Good! You want the world to see it. Great! But how are you going to achieve that? Even if you do get visitors in the initial period, it is necessary to make sure that they do continue to visit the website on a regular basis. In other words, it is necessary to convert a onetime visitor into a regular guest.

Overture or now known as Yahoo because of Yahoo’s takeover, was the original inventor of the use of the P4P or Pay for Performance. Overture saw that the internet was fast becoming the easiest and most convenient way to shop, and advertising was going to hit at an all time high because of the many businesses in the arena.

To get a person to go to a site than others, it needs to be very visible. Providing ads that could direct potential consumers and costumers to their site would allow them to have an increase in traffic as well as sales. Yahoo provides a service that can put a site or company’s ad in their sites that can be shown when certain keywords are inputted.

Yahoo offers a chance for any company to increase their traffic by using their services. With more people being aware of your site, there would be more traffic and visitors to your site given the chance to view your pages as well as your products. With even a small percentage of successful sales, with a high traffic volume this could still be a substantial figure for your company.

Getting a consistent substantial flow of website visitors is every company’s goal. Many methods are devised and utilized to ensure that there would be more people to boost the sales and to be aware of the existence of such a product or service. Website visitors are potentially the life blood of your internet based business.

Yahoo/Overture utilizes the same principle as Google’s Adwords. In fact, they are very similar to each other that they use keyword and keyword phrase searches and to determine which ads to show per search. When a person types in a keyword or keyword phrase to search for anything, the search engines gives out the results in a page. Then at the right side of the page, you will see selected ads that have paid for their ads to be viewed with certain keywords and keyword phrases searched.

For example, Lets say you run a car parts retail/wholesale site. You choose keywords that can prompt or trigger your ads to be shown in the page when a keyword is searched. When a search engine user types in Honda Accord, your ad may come up if you have designated that as one of your keywords. You don’t need to fully optimize your site with Search Engine Optimization methods and techniques.

While some labor so hard to make their site one of the high ranking sites per keyword search, you get the chance to be on the top of the list or at least in the first page of a search result increasing your chance to be clicked on. With that, you drive traffic and website visitors to your site a lot faster.

You will have to pony up some cash when using this service though. There are different ways Yahoo/Overture will charge you. It may be in the number of Keywords or Keyword phrases your ad uses or in the many times your ad is clicked on. Others offer many other services like having your ad show up not only in the search engine pages but also with some third party sites.

Third party sites support ads that have the same theme or niche as them. With more areas your ad is shown, you increase the chances of people knowing about your site or product. With more website visitors you increase the sales of your site which makes your investment with your ads a wise one.

With so many competitions in the internet based businesses, it is necessary to take a huge leap forward from the pack by advertising. Yahoo/Overture will be a great place to start. Many have utilized their services and have reaped the rewards of this decision. It’s a marketing strategy that will increase your website visitors as well as increase your sales resulting to profit.

It takes money to make money, while there are some methods that are basically low cost or free, using a marketing service such as what Yahoo/Overture offers will provide results faster and on a larger scale. Many businesses have learned this the hard way, don’t be counted with them.

2008/02/24

Successful Blogging for Marketing

Right now there are teenagers making huge amounts of money with their blogs. They have the time, the friends and the network to attract a lot of visitors to their blogs. With adsense on their sites they know that teenagers are happy little clickers causing a tidal wave of money in earnings.

I use several blogs as well as other avenues to promote my business. First you have to choose a good blogging host. There are several free ones, and I will be glad to refer you to a couple of my favorites, but you will need to email me and ask for the info. Secondly, make sure that you submit the page with your blog on it to search engines by using a site submitter services like site submit or adland pro. It is also a good idea to circulate your blog page in traffic exchanges.

So you have a blog and want to market it and make it a successful blog. How do you do this? How do you go about getting your blog out there to be seen and known by others? How do you draw readers and keep them coming back for more? There are many ways to get your blog out there and known by others. This can be known as challenging for some and just quite easy for others. If you have ever had a successful blog before then you know what it takes. You are not going to get anywhere by just setting up a blog and hoping that people will find it and read it. You are not going to gain any links, nor a higher search engine ranking by just having a blog. This is all part of blog marketing. Anyone can do it, even you.

Successful blog marketing tip number one. When you first create a blog, of course it is unheard of. No one knows anything about the blog unless you give them the link and show it to them. However, for a new blog that has never been seen, there are many ways to get it out there and known. You just need to know how. The first thing that you can do is to allow RSS feeds be taken from your blog. Allow other websites and blogs to publish your same exact blog. When you do this, they are giving you a link back to your blog, and also telling their readers all about your blog. You will get more traffic than ever with this tool. RSS feeds are wonderful for promoting and getting your blog out there.

Blog marketing tip number two. Update your blog frequently. We can not put enough emphasis on this tip. If you tell your readers that you are going to update your blog daily, then do it. If you tell them that you will be writing in your blog weekly, don’t let them down. Your readers are what makes your blog successful. You may not realize this in the beginning, and you will have few readers in the beginning as well, but you will eventually build a readership base and have people checking out your blog regularly. Maybe you do not plan on telling your readers how often you will update your blog. That is ok too. However, think about this, if you were reading a blog on a weekly basis, and you expected to see the blog that you like to read updated at least once a week, you would be very disappointed to find out that it was not. Sure, things happen that might prevent you from updating, and that is expected, and excused, but week after week can hurt you and cause you to lose readers.

Tip number three. While you are working on your readership base, and trying to gain readers, you are going to find that commenting on blogs that are relevant to yours will surely help. Find a blog that is on the same topic to yours, or close to it and leave comments. You can also make a track back with your blog postings to comment on your own blog. Doing so will probably more than likely give someone else the urge to track back to your blog. Which will be good for it as well. Commenting on blogs that get many comments will make yours be seen by those interested in that market. You will gain traffic and readers that way, and it is easy as well as free.

The fourth blog marketing tip. Learn and apply SEO to your blogs. SEO is search engine optimization. You are going to find that if you want your blog to go anywhere, you need SEO, and you need to know how to use it to the advantage of your blog. Just like a website, a blog will be better off optimized.

Price Range for Domain with PR

Not considering the keyword etc for the domain name, what is the current market value for domains with PR, say PR3, 4, 5, 6, and 7 ?

Not so many people selling real PR4/5/6, what'd you think a fair value for such domains?
A lot of people are selling dropped domains with PR here. And I'd doubt there is much value for those unless there are a lot of backlinks to support the PR.

It depends on the length and keywords in the domain, but PR3 goes for about $20-30. wow!

Domain name financing available.

Moniker and Domain Capital will offer financing to leverage domain purchases made at this event or for other transactions. Moniker and Domain Capital have been pioneering the concept of virtual real-estate for years in a fashion similar to real estate mortgage financing.

"In today's marketplace, domain names are essential for marketing and brand awareness," said Elliot Noss, President and CEO of Tucows. "Companies, both large and small, are willing to invest in high-quality domain names to ensure visibility of their brands and steady traffic to their websites."


Domain market is growth faster.

2008/02/22

Google Analytics Can Make You Money

Making Money With Google Analytics. Is it possible ?

This is a great video... I've been looking for information about google analytics for ages. Just out of curiosity, is it possible to use google analytics on Ebay shops? THIS VIDEO SHOWS HOW TO MAKE MONEY USING GOOGLE ANALYTICS!

Google Analytics is one of the most powerful tools available to monitor your website and improve your conversion rate. The great news is that Google has made this tool available to everyone for free. In the past we had to pay for expensive applications that collected only a fraction of the information that Google gives us with Analytics.

Google Analytics is one of the most powerful tools available to monitor your website and improve your conversion rate. The great news is that Google has made this tool available to everyone for free. In the past we had to pay for expensive applications that collected only a fraction of the information that Google gives us with Analytics.



Making Money With Google Analytics

Search Engine Relationships To Marketing

The landscape of search engines have went through some drastic changes over the years. Not only with technology, but also with various partnerships
between the many different search companies as well.

You might be running your search engine queries on a particular search engine, although who is actually supplying the results - it could be a different company altogether.

Below, is a list of the search engines that feed your precious keywords:

Yahoo
Yahoo provides the primary search results for Yahoo search, Alta Vista, and AllTheWeb, and receives paid listings from Yahoo Search Marketing (formerly known as Overture).

Google
Google provides the primary search engine results to Google AOL Search and also Netscape. Google also supplies paid listings to Lycos, Ask, Netscape, AOL Search, and HotBot. It also supplies secondary results to HotBot and receives it's directory data from DMOZ.

Lycos
Lycos receives the directory search results from DMOZ, primary results from Ask, and paid listings from Google Adwords.

Hotbot
Hotbot receives directory search results from DMOZ, primary search results from Ask, and paid/secondary results from Google Adwords.

Ask
Ask provides primary results to Ask, Hotbot, and Lycos. It receives secondary search results from Teoma and the directory results from DMOZ, with paid listings from Google Adwords.

In relations to marketing, search engines can provide anything you want to know. If someone is
looking for something, they normally refer to the search engines. When they type it in, the highest sites on the engines will show - which is normally where the visitor will go.

By keeping good position on the search engines, you'll be near the first for visitors who are looking for a certain product. You can make a lot of money with search engines as well, if you know what you are doing.

2008/02/21

Pros and Cons of Shopping on eBay

Ebay and its not even close. Why....you can get quality stuff that people want to get rid of for dirt cheap. For instance...I just bought an authentic football jersey on Ebay for a total of $49. U think I could get it for that at walmart? Not a chance. You can also buy anything you want on ebay.

Are you a relatively new fan of online shopping? If you are, you may have not yet had the chance to examine eBay. Even if you have never shopped on eBay, there is a good chance that you already know exactly what it is. eBay is an online auction website that allows internet users to sell items that they own, but not longer need or want to have. This is what makes eBay the largest online market place, as just about anyone can buy or sell there. However, with just about anything else you find online, shopping on eBay has its pros and it cons.

One of the biggest pros to shopping on eBay is the large selection of products that you will have to choose from. You can find just about anything on eBay, within reason of course. It is not uncommon to find cars for sale, baby toys, clothing, home d├ęcor items, computers, gaming consoles, and much more. Items found on eBay can be purchased in either new or used conditions. It is also important to note that many eBay sellers end up selling the same or similar items. For you, this also enables you to compare prices; to get the best deals.

Another pro to shopping on eBay is that it is relatively easy to do. Once you have registered for a free account with eBay, you are able to start shopping on eBay. When shopping on eBay, you can easily find what you are looking for. In fact, that is another pro of shopping on eBay; the ease of finding what you want. With a simple eBay search or even an advanced search, you could find a number of products that fit the description as to what you are looking for. By viewing those items, you can then decide if you want to purchase them or not.

Speaking of making purchases on eBay, you will also find that it is easy to do. As stated above, eBay allows internet users to post items for sale that they no longer need or want. While still following eBay’s rules, these sellers have a little bit of flexibility, such as how much money they want to charge for their products, as well as what methods of payment they accept. Although some eBay sellers are limited on the methods of payment that they accept, you will find that most are fairly flexible. For instance, common forms of accepted payments of eBay include PayPal, money orders, and personal checks; making it easy and safe to buy on eBay.

Although there are a number of pros to shopping on eBay, it is also important to mention the cons, as there are some of those as well. One of the biggest cons or downsides to shopping on eBay is that eBay is home to a number of scammers. While eBay works hard to eliminate these scams and shield buyers, like you, from them, there are some that get past security. With that in mind, if you proceed with caution, you should be able to safely shop eBay, without any problems. The few eBay scams that you will want to be on the lookout for involves sellers that advertise they have products that they don’t really have, sellers who claim products are in excellent condition when they are not, and others along those lines.

In connection with eBay scams, another downside to eBay is that just about anyone can become an eBay seller. This means that someone who has every intention of taking your money, but not delivering a product can register for an account with eBay and start selling. Of course, eBay catches onto these sellers pretty quickly and, most of the time, their accounts are disabled. With keeping that in mind, you just need to watch who you do business with. Be on the lookout for any sellers with a large number of negative feedback ratings or sellers who are new to eBay.

As you can see, there are a number of pros and cons to doing your shopping with eBay. For the most part, most eBay buyers have a positive experience with eBay. If you watch what you are doing, namely what you choose to buy and from whom, you should also be able to have a positive experience on eBay; one that will likely bring you back for more shopping.

It's My Plan to Retirement

Why Plan for Retirement? This is a question that I come across quite often when researching and discussing retirement planning and options. Despite the constant news coverage of impending doom in regards to Social Security many Americans are still counting on their social security payments to support them through their retirement. The sad fact is that it simply isn't possible because the money isn't there. Sadder still is the fact that even if the money were there, it is doubtful that it would be enough to get the average American through their twilight years.

Americans are living longer than they have in decades past. In addition to longer lives we are leading more active lives. Gone are the days when retirees sat at home reading newspapers and mowing the lawn every other afternoon. Today's retirees are traveling, taking classes, learning to dance, and trying new things that they didn't have the opportunity to experience while setting aside funds for the future and going about the business of raising their own families. Now they are taking the time to do all these great things and these wonderful activities and pastimes require funds in order to enjoy.

This is the number one reason you should begin as early as possible not only setting aside funds for your retirement but making active plans on methods by which you can invest those funds in order to maximize the potential of limited funds. This is the time that it is best to take your plans, goals, and concerns to a financial planner and see what advice he or she can give you on setting specific goals, better defining your plans, and making the most of your investment means while establishing a realistic investment strategy that will not leave you feeling strapped for cash month after month.

We often overlook the important role that a good financial planner and good planning play in our financial futures. The same could be said of our financial retirements. We need to take every opportunity that is available to us in order to maximize our money. A good financial advisor will know of funds and strategies that we have never heard of. It makes sense to go to an expert when it concerns our family's future. We see experts when it comes to matters of law, health, and taxes-why on earth shouldn't we see an expert for our finances?

Why is it so important to have a plan? The long and short answer to this question is so that you won't end up needing a job in order to put food on your table once you've reached retirement age. The sad truth is that many of our retired citizens are finding themselves strapped for cash financially and barely able to make ends meet. If they are fortunate enough to have homes that are paid for, they often find the property taxes are a little more than they can handle without some sort of assistance. Medications are expensive despite government programs to keep costs down for our elderly, and then there are those who are simply living longer than their original retirement plans had accounted for. Combine all these factors with the fact that the cost of living has gone through unprecedented increases over the last two decades and you have some very real reasons to make plans for your future retirement.

It is best to begin making these plans as early as possible. It is not impossible to recover, however, if you begin the process a little later. The problem is that you will need to make some extra investments along the way in order to make up for lost time. The sooner you begin making plans for your financial retirement the healthier your retirement options will be. The best way to go about this is to define your retirement goals, make plans, and then take your goals and plans to a financial advisor and get his or her input. Investing smarter is much wiser than investing harder.

Valentine’s Day with Someone Special

For many Valentine’s Day is one of the most romantic days of the years. For these couples this day is as special as their personal anniversaries or other special days they celebrate throughout the year. Therefore, they often want to plan a very special and romantic Valentine’s Day for them and their partner to enjoy. This article will provide some useful tips for those who will be spending Valentine’s Day with someone who is very special to them and are looking for ideas on how to plan a memorable day.

First of all consider, planning your Valentine’s Day celebration with your partner. Surprises are great and your partner may really appreciate your thoughtfulness and planning but one way to ensure your partner is thrilled with your plans for Valentine’s Day is to involve her in the planning process. Planning a special Valentine’s Day together gives you and your partner the opportunity to enjoy even more time together and to make plans which you know you will both love.

Another way to make sure your Valentine’s Day with someone special is a great day is to really put a great deal of time and effort into the planning. It can be difficult to plan a truly spectacular Valentine’s Day at the last minute because you are likely to run into a series of mishaps as a result of others trying to plan a great Valentine’s Day for themselves. To avoid this type of problem, plan way ahead and make all necessary reservations way in advance. If you put a great deal of time into planning your Valentine’s Day celebration, your partner is bound to notice. Conversely, if you try making plans at the last minute, she is likely to notice this as well and will likely feel disappointed that you didn’t spend more time planning.

Consider a weekend getaway for a truly memorable Valentine’s Day with someone special. A weekend getaway can be as elaborate as a long weekend on a tropical beach or a couple of days in a new city. It doesn’t matter where you go or what you do as much as it matters who you are with for this trip. If you are spending time with someone you love and going to a location you will both enjoy, it is sure to be a spectacular trip. For example a couple of sports enthusiasts might love a trip to the Baseball Hall of Fame in Cooperstown, NY while a couple who loves the outdoors may appreciate a camping trip in the mountains of CO.

If you are spending Valentine’s Day with someone special, you might want to consider giving your loved one a truly unique gift. For example red roses are one of the most traditional Valentine’s Day gifts but you can put a spin on this old fashioned idea. For example, if your girlfriend loves gardening you might give her a gift such as a few gardening tools and some bulbs that you can plant together in the spring. It may not seem like the most romantic gift to others but if you know it is something your loved one will cherish; it can be a great Valentine’s Day gift.

Another way to spend a memorable Valentine’s Day with someone special is to cook a dinner for her yourself. Many couples view Valentine’s Day as a time to go out to expensive restaurants and enjoy elaborate meals but other couples enjoy staying home and enjoying a quite meal together. You can take charge of the planning and do all the cooking yourself or you can involve your girlfriend and turn the cooking into part of the date. For example if you know how to make a particularly difficult dish, you might ask your partner to help you so you can teach her the basics of how to make the dish. The two of you can spend some time preparing the meal together and then enjoy the dinner by candlelight.

2008/02/18

Your Own Business!

This is my first post after the accidental. So You Want Your Own Business!

There are many reasons for wanting to start your own business, and most of us get to this point. Which one of the following applies to you?

• Freedom from daily routine.
• Doing what I want when I want.
• Improve my living standard.
• I want creative freedom.
• I want to fully use my skills, knowledge and education.
• I have a product/idea/service that people need.
• I’ll have more time with the family.
• I won’t have a dress code.
• There are good tax breaks for business owners.
• I’m a Type B person and work best alone.
• I want to be my own boss.
• I want to make the decisions.

Now granted, every one of the above is a good reason for wanting your own business. The rub is, that not many people think the process through – step by step. There are 7 phases to business planning. They are:

1. Investigation Phase
2. Planning Phase
3. Start-up Phase
4. Operating/Monitoring Phase
5. Problem/Challenge resolution Phases
6. Renewal/Expansion Phase
7. Selling, Transferring, Retirement Phase

We’ll cover all of the above in my next few columns as a “Business Basics” refresher, but for today let’s take number one.

In the Investigation Phase you take a look at yourself and also your business options. There are careers that are suited to personality types, so the first thing you must discern is “Which personality type am I?”

Duty Fulfillers
This is an introverted personality who is serious, quiet, thorough, orderly, matter-of-fact, logical, realistic, and dependable. They take responsibility, are well organized, know what should be accomplished and work steadily toward it disregarding distractions. They are careful calculators, and 20% of this group become accountants.

The Mechanics
These are also introverts and are cool onlookers. They are quiet, reserved, observing, and analyzing life with a detached curiosity and have unexpected flashes of original humor. They’re usually interested in cause and effect, how and why mechanical things work, and in organizing facts using logical principles. They usually are craftsmen, mechanics, or handymen with about 10% becoming farmers.

The Doers
These people are extraverts who are good at on-the-spot problem solving, don’t worry, enjoy whatever comes along, are adaptable, tolerant, and generally conservative in values. They tend to like mechanical things and sports, and dislike long explanations. They are best with “real” things that can be worked, handled, taken apart, or put together. About 10% of this type go into marketing or become Impresarios.

The Executives
These are another extravert group and are hearty, frank, decisive, leaders in activities and usually good in anything that requires reasoning and intelligent talk, such as public speaking. They’re usually well informed and enjoy adding to their fund of knowledge. They may sometimes appear more positive and confident than their experience in an area warrants. They’re sometimes called “judgers” and “thinkers” and 21% of this group become legal administrators.

To go into each personality type would be far too complicated, but to give you an idea of the roles that personality types could fall into look at the following list. Beside the categories we covered in depth here are some simply broken down into Introvert or Extravert Personality.

Introverts choose careers that satisfy being:
• Nurturers
• Guardians
• Artists
• Scientists
• Protectors
• Idealists

Extraverts are usually:
• Performers
• Visionaries
• The Inspirers
• Givers
• Caregivers

The second part of the Investigating Phase is looking at your business options. When choosing the business you want to start consider the following:

• Do you like to work with your hands or brain, or both?
• Does working indoors or outdoors matter?
• Are you good at math, writing, puzzles, blueprints, installing things or fixing things?
• What interests you? What are your hobbies?
• Do you like to work alone or as part of a team?
• Do you like to plan things, or go to events?
• Do you like machines, computers?
• Do you like to drive or operate equipment?
• Do you like to travel, collect/display things, give/attend shows, or take pictures?
• Are you small, large, strong?

Make a list of your likes and dislikes. Keep a diary of things you do that relate to business and rate each entry from 1 to 5 based on your interest. Then prepare a list of your strengths, weaknesses, opportunities and concerns. After doing all that, you should have a list of candidate businesses that are right for you. Then you can make a list of the “candidate businesses” and rate them from 1 to 5 based on your own chosen criteria.

Some criteria could be is it feasible, low in cost to establish, meets my objectives, will make money, there is a “niche” market of existing customers, or it will produce residual income to name just a few.

By the time you’ve accomplished all that, you should seriously consider visiting the local chapter of S.C.O.R.E. or your own mentor to use as a sounding board for your plan. Next week, if I haven’t dissuaded you so far, we’ll cover the Planning Phase.

Re-Starting from Scratch

Oh dear, this blog has lost all database. I can't reach all posts that I wrote since 2007.

2008/01/15

Bonus 24 hours

Today was the bonus 24 hours everyone gets once every 4 years. For some reason, to me, it feels almost special. Of course, it’s rather silly to think that. But for some reason, the idea of having a whole extra day is great.

I, of course, worked for part of it. A short shift of 5 hours, though it was smack-bang in the middle of the day, so I couldn’t really do anything else. Never-the-less, I did need to go into work to give them a copy of my convoluted timetable, and to discuss my future plans with them.

On the way in, I heard a rather good advertisement for Masey Publisher. They were capitalising on the whole 29th thing and had ads running telling people to do something out of the ordinary, as the chance only comes around once every 4 years. I rather liked it. I generally enjoy those kind of ads that are out-of-the-ordinary. They are also much more effective on me. I wouldn’t have been able to remember the company that the ad was for unless I liked it. And you wouldn’t have known the ad was even for Masey Publisher until the very end.

Anyway, I got in and had a good day, all things considered. It was busy with a function. I knew the company that was having their ‘do’, as they were customers of my father’s company. I say were because they are relocating their factory to Singapore, and a once sizable account for my father’s firm is no more. He’s pretty annoyed about that, as is the whole company. I suspect a few of the employees are worried too, such is the position of his industry in this country. Everything is going to Bali.

I had the discussion with my boss about certain things, and then ventured the topic of when I could possibly go on holiday, and for how long. Being a casual employee, I’m not exactly tied there. Nor are they ‘obliged’ to roster me on for hours. So the last thing I want to do is do something stupid that will see someone else get my hours. And I think a month-long holiday is one of those stupid things. I had hoped that 3 weeks would be something they could handle.

Anyway, my boss (who I’ve always had much respect for) proved to be an even better guy than I even imagined and said I could conceivably take as long as I wanted off and still expect my job to be going when I returned. So I settled (in my mind) that I’d go to the U.S. in July - fly out the 30th of June, come back the 25th. Without attempting to brag (who am I kidding - of course I’m going to brag!) it’s likely that I do a bang-up job. I really do put a lot of effort in, and certainly more than other people on the roster. I think that my boss would want me at work even if I took more than a month off. It’s good that, I guess.

I put the cricket on the televisions on the walls to watched. I hardly watched it though - it was so boring to begin with that I just gave up and occasionally glanced at it to find out the score. I don’t understand why ‘dead’ matches are ever played - and especially in this series. I would be happy to have moved the finals forward, just to get the Indian cricket team out of here a few days early. Seriously, I’m sick and tired of them whining and complaining about every match they lose.

My shift came to an end at 5pm, and I was off. The traffic wasn’t too bad surprisingly. Usually I have quite a wait to get onto Henry Lawson Drive at that time of the day, but today I did not. When I got home, my mother was feeding a cockatoo some bread. I don’t know why, but she was. We went inside, and then half an hour later, eight of them were in my neighbour’s tree pulling off lemons and eating them. The sight was very funny. Some of them perched on our fence with one foot and in the other, they held their lemon. They were digging away into it with their beak and loving it. I wondered whether they’d eat the lemons if they tasted the same as they tasted for us.

It was a funny thing to watch as well because our neighbour loves his lemon tree. But laying all around it on the ground is dozens of rotting lemons with beak-marks in them. It’s a funny sight.

2008/01/10

Balance Your Life

Writing is a solitary task.
Writing needs concentration and quiet.
Writing requires absolute commitment.
Are all there scary statements true?

What is more, is it possible to balance your writing career and family without turning yourself into a zombie?

Everything is feasible; I am the living example of it.

There is only one secret: TIME PLAN.

This is step one for the aspiring writer’s success. Without it, nothing can be achieved. How can you do it?

Simply make a rough plan of the time allowed to your writing project every day. It is highly important for the writer to know exactly WHEN he /she is going to settle down and write, feeling free of all the other responsibilities that he has.

I have made a simple schedule. You can work out yours according to your family needs.

Every morning just after breakfast, and as soon as the family have gone, I allow myself to work on my PC for one to two hours, depending on the workload of the day. Then I go on with the house chores and all the rest of the family tasks till noon. At 2 o’ clock everybody is back so I serve lunch, but after that I have 2-3 hours free to work on my morning assignment. Thus, there is plenty of time to care for the family , while in the afternoons I still have time to go to my part time job in time , feeling satisfied I have worked at home on my project.

In the evening I sometimes find an hour or so , when the family watch TV . This time I sit with them in the living room , having pre arranged to do the easiest tasks for my writing job, such as note taking or layout planning of new stories or articles. I use pen to paper and I don’t bother if I make mistakes. Next morning, there is plenty of time to revise them and complete them.

If this plan has been working perfectly for me, why not for you as well?

You only have to calculate when and how long you need to write every day. Of course , you must stick to your plan and never give it up , apart from very urgent cases. Remember that your work is also urgent, so never skip it.

If you respect your writing job, the others will do so too. What is more, they won’t feel neglected as you will give them your care and attention at the time they are around. Furthermore, your house chores will be done in time and you won’t feel overworked. Many a times I used to end up with half burned meals and I felt extremely stressed trying to catch up with all the house chores before the family was back home. So, telling yourself ‘I’ll do it later’, it’s not the solution. ‘Later’ will come in no time and you will find yourself in a very difficult situation. Yet, no one will believe your excuses as you have been in the house the whole morning , and you will feel inefficient for no reason at all! ” A little every day” is my motto, and, in the long run, everything is done and everybody is happy. Keeping your writing and family under control will make you feel satisfied and everyone, including you, will be happy.

Also, keep in mind that there is nothing odd if you work in unconventional places.

I sometimes find it stimulating to work in the living room with all the family around. Noise does not bother me ,on the contrary, it brings me more ideas. This article was outlined last evening while we were all watching a football match. Well, the truth is I did not watch much of it! I was absorbed in my new article, but that’s how this idea sprang out. I can perfectly work in a chatty setting. Have you tried it? You may come up with fresh ideas and great articles.

Finally, who says that writing can turn you into a zombie? Shatter the myth! It’s up to you to enjoy both your family and your writing career. Simply make a time plan!