Back in April, I had a blog post on the Google Treasure Chest Scam See article here and I am noticing the word is getting around about it. I'm quite sure they have notice too. They are now changing the name to Google Money Tree, making money with eBay, using the blogs, and other things.
I was surfing the net and came across the latest way they are promoting this scam. Check out this link they are now making it look like a legitimate newspaper article Click Here to see it
This is not a real newspaper. I am from Boston and there is no such paper. I am betting they are using the same ip address reading software as the blogs, or in this case the newspaper so it has a local appeal to it.
Sunday, May 31, 2009
Saturday, May 30, 2009
Improve Your Time Management In 8 Simple Steps
In the early 1920's Wallace D Wattles wrote that 'we don't get rich by doing certain things .....we get rich by doing things in a CERTAIN way'
There are 86,400 seconds in a day and you and I have to know how best to maximise their use in an effort to balance all we need to get through .....every day. Agreed ?
This article will take you about 300 seconds to read...so what are you going to do with all the remaining 'free' time ?
At some stage in both our personal and business careers we all fall foul to poor time management.The reasons may be unavoidable but are often a valuable prompt that we are letting things slide and need to readdress the issue.
If you are experiencing a problem with balance in time management either at home or at work, there is a good chance that your problems may be caused by a difficulty in properly and prudently allocating your time. The good news, however, is that there are a number of steps that you can take to improve your time management.
In fact, 8 simple steps that you can take are highlighted below.
1 – Admit (at least to yourself) That You Have a Problem
Knowing that you have a time management problem is the first step in changing your behavior. Although it is typical to be late for work, or meetings and a social event on occasion, it is something that should not be happening on a daily or a weekly basis. If it is, it is time for you to realize that you may have address the issue.
2 – Decide To Change
Knowing that you have a time management problem is important, but wanting to change is even more important. You need to set goals for yourself, as these goals can help to provide you with a source of motivation. Sample goals include showing up to work on time for a whole month, being on time for all meetings or dinner dates, and so forth.
3 – Stick To Your Goals
Creating a number of time management goals for you to meet is advised, but it is important that you don’t give up right away or when you are faced with complications. Setting goals simply just isn’t enough, you need to stick with them and modify them to suit.
4 – Create Daily Task Lists
Creating a to do list for yourself is an easy way to properly manage your time. In fact, it is one of the easiest approaches that you can take. Outline what you need to do throughout the day. Be sure to list your tasks in order of importance and finish one task completely before moving onto the next.
5 – Rely On Time Management Tools
Properly managing your time is important, but it can be hard for many individuals to get used to, especially right away. If you are one of those individuals, you will want to consider using time management tools to your advantage.
Setting up a simple time schedule may go something like this......... (delegate where possible)
Check your e mails at set intervals throughout the day and don't be tempted to have a quick look, as this will distract you from other important 'To Do' elements.
Apply the same logic to making telephone calls to avoid any unnecessary distractions. Make all outgoing calls within a specific time frame - where possible.
If you regularly hold or attend meetings try to schedule them for afternoons, as you will be more relaxed, after you have all the 'important' tasks completed.
Handle all pieces of mail or documents only once where possible, or if it is something which doesn't need to be done right away - place it in your 1 - 31 day file.
6 – Learn How To Say No
In all honesty, there are times where you may not be able to refuse a project at work or a task at home, but try to not take on more than you can accomplish. If you must, look into using outside help. In your business or the workplace, this outside help can come from another company, someone you met at a networking event or look at doing a skills exchange like..........you may be able to provide a service in return for whatever.
Rather than trying to do it all yourself - sometimes all you have to do is ......ASK!
7 – Get Organized
Organization is key to being able to properly manage your time. If you are disorganized, you are likely to waste a large amount of time. For example, in your office space you can waste time by searching for lost or misplaced documents. The same can be said for the home; if you are unorganized, you can spend hours searching for phone numbers or contact details etc.
8 – Consider Hiring Professional Help
As previously stated, if you are overwhelmed at home, you may want to call on a professional house cleaner or gardener or use the Superstore home delivery services it doesn't matter what tricks you use to free up more time.
There is no one size fits all solution, just find and use systems that are right for you and it can make such a difference in how you get through the day.
Quote: "An optimist sees opportunity in difficulties whereas a pessimist sees difficulty in every opportunity presented"
Start Saving To Become Financially Free
Saving money is one of the single most important steps to achieving most of your financial goals, and becoming financially free. The sooner you begin to save the better off you will be later.
Having a savings account in place can also serve as a form of protection during a financial crisis. A financial crisis could include any of the following:
• Job Loss
• Unexpected expenses (i.e. auto repair or medical expense)
• Death of a family member
At the core of building adequate savings is debt avoidance. Saving money serves as your cash reserve or safety net when you need it. The key is to have it in place before the need arises.
How Much Should You Save
The rule of thumb is to save a minimum of 10 percent of your take home pay in addition to your retirement planning contributions. By doing this on a regular basis, you become used to it and you learn to manage your daily, monthly expenses with what is left over. If you are able to save more then 10 percent, you should do so.
It is also recommended that you have 3 to 6 months worth of expenses saved up as your emergency fund. This amount includes all expenses, fixed and unfixed. For example, if in January you spent a combined total of $2900 on your mortgage, car note, utilities, insurance, food, credit card bill, and other expenses, then you would need to multiply $2,900 x 3 at the minimum. This means you should have between $8,700 and $17,400 saved up for emergencies.
Unfortunately, the sad reality is that many people live paycheck to paycheck with little or no savings. This is not good. You should work to build your reserve as fast as possible.
Automate Your Savings
Most payroll providers such as ADP and Paychex provide an auto transfer feature directly to your savings when you get paid. For example, if you elected to transfer 10 percent of your after income to your savings on payday, 90 percent of your after tax dollars would go into your checking account and the remaining 10 percent would go to your savings account. It’s that simple. You eliminate the guesswork and don’t have to worry about it.
Start As Early As You Can
In order to truly become financially free, you will have to start saving at some point in your life. Ideally, you should start in your twenties. Understandably, income level at that age will not be as much as someone in their fifties. The key is to simply start where you are. As time progresses, your income level will increase in direct proportion to your experience and educational advancement. This means that your ability to save more will increase as well. It is recommended that you start out saving 10 percent of your after tax income. As you get raises and bonuses, if you stick to the same 10 percent savings, over time, your savings level will grow and grow.
There are several benefits of starting to save at an earlier age. However, the primary reason is that you have time on your side. The sooner you begin, the more you will be able to accumulate over time. This protects you when emergencies arise. By building your savings now, you will have a larger nest egg available when you need it.
There are three primary factors that determine your savings accumulation levels:
1. The amount you save.
2. The interest rate of return.
3. The length of time you save.
Time is what can work for, or against, you. Therefore, the sooner you start, the better.
Tips on Saving
Growing your savings can take time; therefore start as early as possible. The amount doesn’t matter in the beginning. Just start some place and be consistent. Condition yourself into not missing or needing that amount. Over time, your savings will grow due to your diligence. Here are some tips on saving to get you started:
• Save a minimum of 10 percent of all after tax income.
• Use the direct savings account deposit feature offered by your payroll provider.
• View your savings as another bill that has to be paid.
• Whenever you get a raise, increase your savings amount by a half percentage point or more.
• Save 10 percent of all cash gifts you receive.
• Once you pay off a line of credit (car note, credit card, or mortgage), continue to pay that same amount toward your savings.
Having a savings account in place can also serve as a form of protection during a financial crisis. A financial crisis could include any of the following:
• Job Loss
• Unexpected expenses (i.e. auto repair or medical expense)
• Death of a family member
At the core of building adequate savings is debt avoidance. Saving money serves as your cash reserve or safety net when you need it. The key is to have it in place before the need arises.
How Much Should You Save
The rule of thumb is to save a minimum of 10 percent of your take home pay in addition to your retirement planning contributions. By doing this on a regular basis, you become used to it and you learn to manage your daily, monthly expenses with what is left over. If you are able to save more then 10 percent, you should do so.
It is also recommended that you have 3 to 6 months worth of expenses saved up as your emergency fund. This amount includes all expenses, fixed and unfixed. For example, if in January you spent a combined total of $2900 on your mortgage, car note, utilities, insurance, food, credit card bill, and other expenses, then you would need to multiply $2,900 x 3 at the minimum. This means you should have between $8,700 and $17,400 saved up for emergencies.
Unfortunately, the sad reality is that many people live paycheck to paycheck with little or no savings. This is not good. You should work to build your reserve as fast as possible.
Automate Your Savings
Most payroll providers such as ADP and Paychex provide an auto transfer feature directly to your savings when you get paid. For example, if you elected to transfer 10 percent of your after income to your savings on payday, 90 percent of your after tax dollars would go into your checking account and the remaining 10 percent would go to your savings account. It’s that simple. You eliminate the guesswork and don’t have to worry about it.
Start As Early As You Can
In order to truly become financially free, you will have to start saving at some point in your life. Ideally, you should start in your twenties. Understandably, income level at that age will not be as much as someone in their fifties. The key is to simply start where you are. As time progresses, your income level will increase in direct proportion to your experience and educational advancement. This means that your ability to save more will increase as well. It is recommended that you start out saving 10 percent of your after tax income. As you get raises and bonuses, if you stick to the same 10 percent savings, over time, your savings level will grow and grow.
There are several benefits of starting to save at an earlier age. However, the primary reason is that you have time on your side. The sooner you begin, the more you will be able to accumulate over time. This protects you when emergencies arise. By building your savings now, you will have a larger nest egg available when you need it.
There are three primary factors that determine your savings accumulation levels:
1. The amount you save.
2. The interest rate of return.
3. The length of time you save.
Time is what can work for, or against, you. Therefore, the sooner you start, the better.
Tips on Saving
Growing your savings can take time; therefore start as early as possible. The amount doesn’t matter in the beginning. Just start some place and be consistent. Condition yourself into not missing or needing that amount. Over time, your savings will grow due to your diligence. Here are some tips on saving to get you started:
• Save a minimum of 10 percent of all after tax income.
• Use the direct savings account deposit feature offered by your payroll provider.
• View your savings as another bill that has to be paid.
• Whenever you get a raise, increase your savings amount by a half percentage point or more.
• Save 10 percent of all cash gifts you receive.
• Once you pay off a line of credit (car note, credit card, or mortgage), continue to pay that same amount toward your savings.
Thursday, May 28, 2009
Time To Renegotiate With Your Service Providers
Are you noticing all the promotions on TV these days? Well take advantage. Look at the services you use and see if you can renegotiate a better deal for yourself.
Get on the phone. Call your cable provider. Let them know you want that promotion they are currently running in the case of Dish Network for example. Are you using one company for phone another for Internet and yet another for cable? You should be able to find a company that can bundle some if not all three of these services.
Call your Credit Card Company, Insurance Company. Massachusetts recently change the way auto policy premiums are calculated. They were previously set by the state. There is now free competition. I called around for a better rate, decided to stay with my company as the amount were basically the same. But by comparing, I found out my insurance company gave a 5% loyalty discount on the policy for being a customer for over 5 years. I had no clue they had a loyalty discount.
Call your Cell Phone Company, if you have been a long time customer you may be able to get some type of discount or perk. A lot of service companies will do this you just have to pick up the phone and ask.
In this day of the cell phone I don’t know why anyone would use a landline phone. If you do feel you want one go with magic jack... It will cost you about $20 for the year and works like a regular landline phone. I did a review complete with video. To see that blog post Click here.
Now get a list together of all the services you use. Find out if any of them are running promotions to get new customers. If so, call them and negotiate that rate for yourself. Even if there are no promotions talk to them and ask them what can they do for you to keep you as a customer
Get on the phone. Call your cable provider. Let them know you want that promotion they are currently running in the case of Dish Network for example. Are you using one company for phone another for Internet and yet another for cable? You should be able to find a company that can bundle some if not all three of these services.
Call your Credit Card Company, Insurance Company. Massachusetts recently change the way auto policy premiums are calculated. They were previously set by the state. There is now free competition. I called around for a better rate, decided to stay with my company as the amount were basically the same. But by comparing, I found out my insurance company gave a 5% loyalty discount on the policy for being a customer for over 5 years. I had no clue they had a loyalty discount.
Call your Cell Phone Company, if you have been a long time customer you may be able to get some type of discount or perk. A lot of service companies will do this you just have to pick up the phone and ask.
In this day of the cell phone I don’t know why anyone would use a landline phone. If you do feel you want one go with magic jack... It will cost you about $20 for the year and works like a regular landline phone. I did a review complete with video. To see that blog post Click here.
Now get a list together of all the services you use. Find out if any of them are running promotions to get new customers. If so, call them and negotiate that rate for yourself. Even if there are no promotions talk to them and ask them what can they do for you to keep you as a customer
What Is A Recession
According to the Merriam-Webster site a recession is, a period of reduced economic activity. There is more to a recession than that. Why do recessions happen, what are the factors to cause one? What is the impact of a recession? Why do politicians have such different ideas on how to get out of one? These are all questions that have no absolute answers. The best we can do is understand when we are heading for or are in a recession. The more you understand what is happening the better off you will be to survive one.
This video has some good information on what a recession is and the impact on individuals and the economy.
There is a 15 sec ad that runs before the video starts
This video has some good information on what a recession is and the impact on individuals and the economy.
There is a 15 sec ad that runs before the video starts
Wednesday, May 27, 2009
Old Check Cashing Scam Working Its Way Back On The Internet
I just heard about an old check cashing scam that is starting to make its way back on the Internet. This is because of the state of the economy and the high unemployment rate. This is an old scam and has been around since 2005 or sooner but in tough times people get desperate, and dishonest.
The scam basically works like this. The scammer places ads on job boards Monster Craigslist etc. looking for a money transfer agent or something like that. I even heard about an ad on Craigslist that was for a driver. It is usually always a foreign company. After accepting the job you are overpaid. You are then told to wire the difference of what you were expecting and the overpayment back to them. They are also trying to trick people by promising lottery winnings, posing as a foreign business looking for partners or as a work-at-home opportunity. The bottom-line is always the same: They send you a check, you cash it keep a percentage and wire the rest back to them.
I always suggest researching any company you are considering working for. Also if this does happen and you are overpaid, I would advise sending them the check back. The key to knowing if you are a victim of this scam is if you receive a check and are asked to cash it and wire a portion back to someone. That is the red flag.
You have to be very careful now. With the poor economic state, more and more people are running scams online, as they know people are getting desperate. Google everything especially if you are about to spend money or give someone your personal information.
Assume any work-at-home job that involves depositing payments and sending funds is a scam
The scam basically works like this. The scammer places ads on job boards Monster Craigslist etc. looking for a money transfer agent or something like that. I even heard about an ad on Craigslist that was for a driver. It is usually always a foreign company. After accepting the job you are overpaid. You are then told to wire the difference of what you were expecting and the overpayment back to them. They are also trying to trick people by promising lottery winnings, posing as a foreign business looking for partners or as a work-at-home opportunity. The bottom-line is always the same: They send you a check, you cash it keep a percentage and wire the rest back to them.
I always suggest researching any company you are considering working for. Also if this does happen and you are overpaid, I would advise sending them the check back. The key to knowing if you are a victim of this scam is if you receive a check and are asked to cash it and wire a portion back to someone. That is the red flag.
You have to be very careful now. With the poor economic state, more and more people are running scams online, as they know people are getting desperate. Google everything especially if you are about to spend money or give someone your personal information.
Assume any work-at-home job that involves depositing payments and sending funds is a scam
Are You Making Money On The Internet Yet
Starting a home based business is a fantastic way to earn additional income part time or full. You can build a six figure or higher residual income using your home computer and a few hours of your spare time each week. It is estimated that each day nearly 200,000 new people log on to the internet for the first time. Many of these people looking for a home based business.
Some of these people will go on to create a full time income equal to or exceeding their current pay from their jobs. You need very little capitol to start a home businesses and you can work the hours that are best for you.
Developing an opportunity mindset is key to your business success. Your business success is largely determined by your thoughts. If you believe that you can be successful in your business you will be. Henry Ford once said " if you believe you can or you can’t you are right."
Self-motivation and keeping an optimistic perspective is vitally important. You must possess the desire to succeed and take action everyday regardless of what obstacles you encounter along the way.
Your level of success depends on the time and effort you are willing to put into your business. To reap the greatest return on the time you invest you must keep a positive outlook and maintain the belief that you will eventually succeed.
The author Norman Vincent Peale once said, "We tend to get what we expect." Are your expectations for your business ones of abundance and reward for work well done?
Everyday you must plant mental seeds of prosperity into you mind and nurture them. We become what we think, therefore develop the thoughts that will create the life you want to live. The key difference between a successful person and an unsuccessful person is their habits.
Develop the habit of being a power of intelligence and positive expectancy in your business and interactions with others. Cultivate patience and practice the work habits that will get you the results you desire.
Your mind is goal-seeking mechanism. Set large goals for yourself and others and work daily on achieving them. The purpose of setting goals is for you to decide exactly what it is that you want. You must clearly understand where you want to go before you can expect to arrive there.
The philosopher Aristotle wrote that all behavior is "teleological" or purposeful- aimed at a goal. The one factor that governs your actions is your desire that you would be better off than you would be in the absence of your actions.
Stay positive and focused on your home business continually reminding yourself of your purpose. What ever we focus on becomes our reality. Continually focus on where you want to be and that is the direction you will go.
Some of these people will go on to create a full time income equal to or exceeding their current pay from their jobs. You need very little capitol to start a home businesses and you can work the hours that are best for you.
Developing an opportunity mindset is key to your business success. Your business success is largely determined by your thoughts. If you believe that you can be successful in your business you will be. Henry Ford once said " if you believe you can or you can’t you are right."
Self-motivation and keeping an optimistic perspective is vitally important. You must possess the desire to succeed and take action everyday regardless of what obstacles you encounter along the way.
Your level of success depends on the time and effort you are willing to put into your business. To reap the greatest return on the time you invest you must keep a positive outlook and maintain the belief that you will eventually succeed.
The author Norman Vincent Peale once said, "We tend to get what we expect." Are your expectations for your business ones of abundance and reward for work well done?
Everyday you must plant mental seeds of prosperity into you mind and nurture them. We become what we think, therefore develop the thoughts that will create the life you want to live. The key difference between a successful person and an unsuccessful person is their habits.
Develop the habit of being a power of intelligence and positive expectancy in your business and interactions with others. Cultivate patience and practice the work habits that will get you the results you desire.
Your mind is goal-seeking mechanism. Set large goals for yourself and others and work daily on achieving them. The purpose of setting goals is for you to decide exactly what it is that you want. You must clearly understand where you want to go before you can expect to arrive there.
The philosopher Aristotle wrote that all behavior is "teleological" or purposeful- aimed at a goal. The one factor that governs your actions is your desire that you would be better off than you would be in the absence of your actions.
Stay positive and focused on your home business continually reminding yourself of your purpose. What ever we focus on becomes our reality. Continually focus on where you want to be and that is the direction you will go.
Unemployment Tax Planning Guide
If you’re unemployed, you have got a lot of company out there. Along with the stress of unemployment, there are some tax traps that could make your financial a lot worse. Here are some things to think about while collecting your unemployment benefits.
* Unemployment Income Is Taxable. Yes, the tax man wants a cut of the action even when you’re unemployed. The easiest way to handle the taxes is to have them withheld just like a paycheck. I believe there is a exemption on the first $2400.00 in 2009.
* You Kill Your Golden Goose When You Raid Retirement Accounts. The last accounts you want to tap are your retirement accounts for several reasons. Since the amount you take out is taxable, the IRS requires that 20% be withheld to cover the taxes.So, if you request $10,000, you’re only going to get $8,000. Since the $10,000 would be added to any other income you have for the year, you may be pushed into the next tax bracket (see Marginal Tax Brackets) and the $2,000 may not even be enough.
PLUS, there will be 10% penalty that can’t be reduced by any other credits.Your state will tax the income and may also charge penalties for withdrawing early.
* IRAs can cover certain expenses such as re-training expenses paid directly to a qualified educational institution, health insurance premiums or even early retirement. Check with your tax preparer and/or financial advisor.
* Debt Settlements are taxable unless you fall into certain categories. So, if you have a $10,000 balance and pay it off at a reduced amount, you’ll receive a 1099-C for the amount of debt that was canceled. Be sure to take this document to your tax preparer. There are some special rules for debt that is canceled through foreclosure. Debt discharged through bankruptcy are not taxable.
* 401(k) Loans are taxable if you leave your job (for any reason). If you borrow from your 401(k) and are laid off or leave for any reason including disability, your loan becomes due immediately. If you are unable to pay it back, it will be considered a distribution and you will be taxed on it and pay the 10% penalty. However, you would have received the entire amount requested with no taxes withheld like the above example. Therefore, you will have to come up with all the taxes and the penalty on your own.
Before you start taking money out of accounts, meet with your tax preparer and do some tax planning to make sure you don’t cost yourself money in taxes, fees or penalties.
* Unemployment Income Is Taxable. Yes, the tax man wants a cut of the action even when you’re unemployed. The easiest way to handle the taxes is to have them withheld just like a paycheck. I believe there is a exemption on the first $2400.00 in 2009.
* You Kill Your Golden Goose When You Raid Retirement Accounts. The last accounts you want to tap are your retirement accounts for several reasons. Since the amount you take out is taxable, the IRS requires that 20% be withheld to cover the taxes.So, if you request $10,000, you’re only going to get $8,000. Since the $10,000 would be added to any other income you have for the year, you may be pushed into the next tax bracket (see Marginal Tax Brackets) and the $2,000 may not even be enough.
PLUS, there will be 10% penalty that can’t be reduced by any other credits.Your state will tax the income and may also charge penalties for withdrawing early.
* IRAs can cover certain expenses such as re-training expenses paid directly to a qualified educational institution, health insurance premiums or even early retirement. Check with your tax preparer and/or financial advisor.
* Debt Settlements are taxable unless you fall into certain categories. So, if you have a $10,000 balance and pay it off at a reduced amount, you’ll receive a 1099-C for the amount of debt that was canceled. Be sure to take this document to your tax preparer. There are some special rules for debt that is canceled through foreclosure. Debt discharged through bankruptcy are not taxable.
* 401(k) Loans are taxable if you leave your job (for any reason). If you borrow from your 401(k) and are laid off or leave for any reason including disability, your loan becomes due immediately. If you are unable to pay it back, it will be considered a distribution and you will be taxed on it and pay the 10% penalty. However, you would have received the entire amount requested with no taxes withheld like the above example. Therefore, you will have to come up with all the taxes and the penalty on your own.
Before you start taking money out of accounts, meet with your tax preparer and do some tax planning to make sure you don’t cost yourself money in taxes, fees or penalties.
Tuesday, May 26, 2009
Mystery Shopping - An Excellent Way To Make Extra Money
Here is a great article I found on Mystery Shopping. Mystery Shopping is becoming increasingly popular because of the tough economy. If you need to make some extra money and want to give mystery shopping a try, read this article. It will give you everything you need to know.
Mystery shopping (sometimes called secret shopping) is an excellent way to make extra money. It is very easy to do, you need no previous experience, no special knowledge and no expensive equipment. Mystery shopping can be performed by anyone who is able to go shopping. The mystery shopping companies employ men and women of all ages and descriptions as secret shoppers in order to obtain feedback from a wide range of different people on a wide range of services. Some mystery shopping assignments have to be undertaken by people who are accompanied by children in order to report back on specific facilities in places such as theme parks or family restaurants. (If you don't have children of your own in the right age group, don't worry: you are allowed to borrow them from relatives or friends.) If you enjoy shopping, mystery shopping will be a fun way for you to make extra money.
Mystery shopping consists of getting paid to go into a business (eg a shop or restaurant), without the employees knowing that you are anything other than an ordinary shopper, and reporting back to the mystery shopping company. A focus group is when you get paid to sit down with other people who are also getting paid and discuss new products or services, many focus groups are actually held online, so you don't even have to leave home for carry out the assignment.
The reason mystery shopping companies and survey companies exist is to provide companies with impartial feedback on their employees, products and services. That way they can see where there might be problems and make the necessary changes to improve things.
Mystery shopping companies will pay you to shop, eat at restaurants, have a drink at a bar, visit the cinema, take a trip and take part in focus groups. If you are sent out to do mystery shopping, you might be required to visit a particular shop and just make enquiries about an article to test the staff's customer service level but, if you are instructed to make a purchase, you are allowed to keep the articles and will be reimbursed for the cost. If you are sent to do mystery shopping at a restaurant or bar, you will be given a budget figure to spend on your food and drink and that money will be reimbursed to you by the mystery shopping company on top of your fee for the assignment. You might be asked to sample new products and these items will be sent to you free of charge. As part of your mystery shopping, you might find yourself receiving free samples to test of anything from detergent to chocolate. (This can also happen if you join survey companies.)
Mystery shopping jobs are obviously easier to find if you live in or near a fair sized town where there are a large number of shops, restaurants etc but, if you live in a rural area, you can still earn money taking part in online focus groups which can be found through online paid survey companies.
After you do a mystery shopping assignment you answer some questions on a form provided by the mystery shopping company and file your report with them. These reports are usually set up as a series of questions with a box for you to add any relevant details the company might request. The reports can usually be completed very quickly and it is best to complete your report straight after you finish your mystery shopping so that you don't forget any detail. Some mystery shopping companies require you to report to them by phone immediately after you have completed the mystery shopping assignment but, generally, the companies expect you to submit a written report by post or email.
The way to approach mystery shopping is to remember that basically you are like a reporter. You must never add your feelings or recommendations to a mystery shopping report. Your job is to just answer the questions, report the facts and describe what actually happened during your mystery shopping expedition.
If you accept a mystery shopping assignment but then are unable to complete it, make sure you immediately notify the mystery shopping company so that they can make alternative arrangements to avoid letting down their client.
When you start doing mystery shopping, make sure you accept all suitable assignments including last minute jobs and any less than glamorous assignments you might be offered. The top class assignments will be offered to reliable mystery shoppers so you will need to prove yourself and build up a good reputation by making a good job of the lower quality assignments and getting your report in on time. At the start, you might find yourself being asked to do mystery shopping a the local fast food outlet or department store. Once you build up a reputation as a reliable mystery shopper, you can look forward to assignments where you are paid to visit expensive restaurants and designer shops. You might even be lucky enough to get a free trip and hotel accommodation as a mystery shopper.
Always keep in mind that, although mystery shopping is a fun and easy way for your to make extra money, it is a business and you need to behave in a businesslike manner when carrying out your mystery shopping assignments and reporting the results to the mystery shopping company. Your mystery shopping reports will be helping to shape the future of the businesses you visit and you have the chance to make a positive impact on decisions relating to improvements to services and facilities which will be of benefit to you.
About the author:
Elaine Currie has a Work From Home Directory and Auto Surf Review at her Plug In Profit Site: www.Huntingvenus.com for people who want to make money at home.
Mystery shopping (sometimes called secret shopping) is an excellent way to make extra money. It is very easy to do, you need no previous experience, no special knowledge and no expensive equipment. Mystery shopping can be performed by anyone who is able to go shopping. The mystery shopping companies employ men and women of all ages and descriptions as secret shoppers in order to obtain feedback from a wide range of different people on a wide range of services. Some mystery shopping assignments have to be undertaken by people who are accompanied by children in order to report back on specific facilities in places such as theme parks or family restaurants. (If you don't have children of your own in the right age group, don't worry: you are allowed to borrow them from relatives or friends.) If you enjoy shopping, mystery shopping will be a fun way for you to make extra money.
Mystery shopping consists of getting paid to go into a business (eg a shop or restaurant), without the employees knowing that you are anything other than an ordinary shopper, and reporting back to the mystery shopping company. A focus group is when you get paid to sit down with other people who are also getting paid and discuss new products or services, many focus groups are actually held online, so you don't even have to leave home for carry out the assignment.
The reason mystery shopping companies and survey companies exist is to provide companies with impartial feedback on their employees, products and services. That way they can see where there might be problems and make the necessary changes to improve things.
Mystery shopping companies will pay you to shop, eat at restaurants, have a drink at a bar, visit the cinema, take a trip and take part in focus groups. If you are sent out to do mystery shopping, you might be required to visit a particular shop and just make enquiries about an article to test the staff's customer service level but, if you are instructed to make a purchase, you are allowed to keep the articles and will be reimbursed for the cost. If you are sent to do mystery shopping at a restaurant or bar, you will be given a budget figure to spend on your food and drink and that money will be reimbursed to you by the mystery shopping company on top of your fee for the assignment. You might be asked to sample new products and these items will be sent to you free of charge. As part of your mystery shopping, you might find yourself receiving free samples to test of anything from detergent to chocolate. (This can also happen if you join survey companies.)
Mystery shopping jobs are obviously easier to find if you live in or near a fair sized town where there are a large number of shops, restaurants etc but, if you live in a rural area, you can still earn money taking part in online focus groups which can be found through online paid survey companies.
After you do a mystery shopping assignment you answer some questions on a form provided by the mystery shopping company and file your report with them. These reports are usually set up as a series of questions with a box for you to add any relevant details the company might request. The reports can usually be completed very quickly and it is best to complete your report straight after you finish your mystery shopping so that you don't forget any detail. Some mystery shopping companies require you to report to them by phone immediately after you have completed the mystery shopping assignment but, generally, the companies expect you to submit a written report by post or email.
The way to approach mystery shopping is to remember that basically you are like a reporter. You must never add your feelings or recommendations to a mystery shopping report. Your job is to just answer the questions, report the facts and describe what actually happened during your mystery shopping expedition.
If you accept a mystery shopping assignment but then are unable to complete it, make sure you immediately notify the mystery shopping company so that they can make alternative arrangements to avoid letting down their client.
When you start doing mystery shopping, make sure you accept all suitable assignments including last minute jobs and any less than glamorous assignments you might be offered. The top class assignments will be offered to reliable mystery shoppers so you will need to prove yourself and build up a good reputation by making a good job of the lower quality assignments and getting your report in on time. At the start, you might find yourself being asked to do mystery shopping a the local fast food outlet or department store. Once you build up a reputation as a reliable mystery shopper, you can look forward to assignments where you are paid to visit expensive restaurants and designer shops. You might even be lucky enough to get a free trip and hotel accommodation as a mystery shopper.
Always keep in mind that, although mystery shopping is a fun and easy way for your to make extra money, it is a business and you need to behave in a businesslike manner when carrying out your mystery shopping assignments and reporting the results to the mystery shopping company. Your mystery shopping reports will be helping to shape the future of the businesses you visit and you have the chance to make a positive impact on decisions relating to improvements to services and facilities which will be of benefit to you.
About the author:
Elaine Currie has a Work From Home Directory and Auto Surf Review at her Plug In Profit Site: www.Huntingvenus.com for people who want to make money at home.
What Fees To Expect When Refinancing Your Home Loan
Refinancing can save you thousands, especially if you have several years left on your mortgage. However, you can also choose to refinance simply to tap into your home's equity or reduce your monthly payments.
"How much will it cost?" is a common question for homeowners considering refinancing their mortgage. While costs vary between lenders and loan amounts, the following will give you some guidelines to help you compare financing companies and their offers.
New Home Loan Fees
When you refinance, you are getting a new loan and paying for all those fees again. Fees, including application fee, appraisal fee, survey costs, attorney review fee, title search, and home inspection, will usually add up to around $1000 and $2000. That is in addition to the loan origination fee, usually 1%, and any additional points.
Some lenders offer zero point loans and low refinancing costs but with higher interest rates. These types of financing packages make sense if you are concerned about initial costs and are willing to spend more over the course of your loan.
Loan Points
Each point equals 1% of the loan, which is due at the loan's signing. So a point on a $100,000 loan would be $1,000. Besides the loan's origination fee of 1% or more, you can also purchase lower interest rates with points. If you plan to stay in your home for over seven years, then you can probably save money with lower interest payments.
Locate Lower Costs
You can also sometimes locate a lower cost for your mortgage by comparing companies. The easiest way to do this is to request quotes online to compare interest rates and fees.
You can also sometimes negotiate a lower interest rate or closing cost with your original mortgage company. It helps if you can tell them that you have found a better offer with another lender. But sometimes other lenders will have the better deal.
Different Loan Terms
A shorter loan term or a fixed rate mortgage can also save on long term interest costs. By picking a 15-year term loan, you can nearly cut your interest costs in half. You can also protect yourself from rising interest rates with an adjustable rate mortgage by converting to a fixed rate mortgage.
"How much will it cost?" is a common question for homeowners considering refinancing their mortgage. While costs vary between lenders and loan amounts, the following will give you some guidelines to help you compare financing companies and their offers.
New Home Loan Fees
When you refinance, you are getting a new loan and paying for all those fees again. Fees, including application fee, appraisal fee, survey costs, attorney review fee, title search, and home inspection, will usually add up to around $1000 and $2000. That is in addition to the loan origination fee, usually 1%, and any additional points.
Some lenders offer zero point loans and low refinancing costs but with higher interest rates. These types of financing packages make sense if you are concerned about initial costs and are willing to spend more over the course of your loan.
Loan Points
Each point equals 1% of the loan, which is due at the loan's signing. So a point on a $100,000 loan would be $1,000. Besides the loan's origination fee of 1% or more, you can also purchase lower interest rates with points. If you plan to stay in your home for over seven years, then you can probably save money with lower interest payments.
Locate Lower Costs
You can also sometimes locate a lower cost for your mortgage by comparing companies. The easiest way to do this is to request quotes online to compare interest rates and fees.
You can also sometimes negotiate a lower interest rate or closing cost with your original mortgage company. It helps if you can tell them that you have found a better offer with another lender. But sometimes other lenders will have the better deal.
Different Loan Terms
A shorter loan term or a fixed rate mortgage can also save on long term interest costs. By picking a 15-year term loan, you can nearly cut your interest costs in half. You can also protect yourself from rising interest rates with an adjustable rate mortgage by converting to a fixed rate mortgage.
Saturday, May 23, 2009
Understand Credit Cards, Get The Most From Your Credit
Most of us use credit cards extensively month to month and almost as many people don’t use them to their full advantage and end up paying way more interest than they should. Here are some credit card tips on how to keep on top of your credit cards and get the benefits you’re entitled to.
Credit Card Do’s
Pay off your credit card in Full
It goes without saying that everyone should make their credit card payments by the due date and in full, if possible, to avoid paying any interest.
Always pay At Least the Minimum Amount
If you don’t you’ll be charged non-payment fees as well as interest. If you always only pay the minimum amount however, it’s a sure sign that you are living beyond your means and that perhaps you need to re-assess your spending habits. The interest charged on your credit card will really add up over time.
Pay your credit card automatically
Organize to pay monthly without having to think about it. Arrange this with your bank if your cash flow permits, so you never miss a payment. Make sure you have enough funds to cover the payments though, or you’ll be charged late fees and interest.
Check your statements
Make sure all purchases are in fact yours and that you’re not paying for someone else’s purchases! It’s more common than you think.
Tick, Tick, Tick
Keep all of your receipts together and tick them off your credit card statements each month then file or throw away (depending on whether or not you may need them for product returns or tax purposes).
Make notes on your statements
Write short descriptions of your purchases on your credit card statements and highlight items for tax. Don’t leave this too long – it’s too hard to remember later.
Make the most of your interest-free period
Many credit cards offer an interest-free period, often up to 55 days. If your statement period runs from say 1 November to 30 November, you will receive more interest-free days if you purchase goods early in the month, whereas fewer interest-free days will be left if you make your purchase at the end of the month. Just make sure you pay off the closing balance on your card in full by the due date to get the benefit.
Try a low limit
Consider reducing the limit on your credit card if you don’t need it. Not only will it take away the temptation but it will improve your financial position in the eyes of your bank if you go for say, a home loan.
Don’t bury you head in the sand
Talk to your bank or financial institution if you are having trouble paying off your credit card to see whether you can organize a payment schedule that works for you.
Choose a card to suit your spending habits
Choose a credit card that is right for you. If you plan to pay off your balance each month, you may not be concerned about interest rates. Therefore you might want to concentrate on things like fees, and rewards programs. If you don't think you'll pay off your card in full every month, you will probably be more interested in a card with an attractive rate of interest.
Load Up
Pay for as many expenses as you can through your credit card (including big ticket items if your limit allows) to build up Reward Program points - but only if you can pay the whole balance off in full each and every month.
Shop Around
There are many different types of credit cards available from banks and other financial institutions, so shop around. When visiting credit card providers and asking about the cards they offer, asking the following questions to help you weigh up the pros and cons of each card:
What is the interest rate?
Is there an interest-free period and if so, how long is it?
Is interest charged from the date I make the purchase or from when the statement is issued?
How much of the balance do I have to pay back by the due date?
Is there a reward scheme, and if so, what rewards are offered and what is the cost of the rewards program?
What are all of the fees and charges associated with this credit card?
If I have any other accounts with this bank, do I get any rebates on my credit card?
How widely is the card accepted (i.e. within Australia and also around the world)?
What charges will I incur using the card overseas and what exchange rate will be used?
Does the card offer any other benefits?
Can I have additional cards on the account? What fees would be charged for this?
Do I have any protection if goods or services I've paid for using this card are defective?
Credit Card Don’ts
Don’t go over your limit
You will be hit with large fees for this as soon as you do.
Don’t have too many credit cards
Reduce the number of credit cards you have to reduce the amount you pay in annual fees and the amount of time you have to spend managing them.
Don’t accept offers to increase your limit
If you don’t really need the extra credit, say thanks but no thanks. Be honest with yourself - could you really resist spending extra?
Don’t keep using a credit card if you can’t resist spending
If you know you can’t afford to buy anything on credit card and if for example, you have a shopping addiction, do yourself and your family a favour and cut your credit card up! It’s not worth the emotional and financial stress.
Don’t use Cash Advances!
Most banks will charge a fee for a cash advance, as well as charge interest from the day you get the cash i.e. there is no interest free period like there is for normal purchases.
Don't use your credit card for long-term borrowing
Credit cards are not a cost effective way of funding long-term borrowing. If you have a few debts such as credit cards, leases, car loans and a housing loan, speak to your bank about consolidating your debts under one umbrella credit product. This way, instead of paying a higher rate of interest on your credit card, you will pay interest at home loan rates, which are usually much lower.
Don’t be sucked in by Rewards
If you don’t think you’ll be able to pay off a credit card every month in full don’t sign up. The interest you will pay will more than likely outweigh any rewards you may get.
How To Save Money On Summer Vacations
Summer can be one of the most expensive times of the year to travel – especially if you are on a tight budget. With gas prices higher than ever and many destinations only offering peak season pricing, many families are struggling with the task of planning a fun vacation without putting a serious financial strain on their bank accounts.
With a little advance planning, creativity, and research, families can enjoy vacations that create a lifetime of memories rather than a lifetime of bills. Follow these tips when planning summer vacations this year:
With a little advance planning, creativity, and research, families can enjoy vacations that create a lifetime of memories rather than a lifetime of bills. Follow these tips when planning summer vacations this year:
Plan ahead. Planning ahead for a vacation is one way to find great savings. Some hotels or resorts will offer discounts well in advance, or if you book a vacation while on vacation. For example, does the family make the same trek to the same beach every year? Take advantage of beneficial travel rates by booking the vacation 10-12 months in advance. Don’t have that much time on your side? Be sure to invest time into researching the best airfares, hotel or resort accommodations before booking your vacation.
Start a vacation savings plan. Start a vacation fund and commit to “pay” into it every month. Consider the destination before determining the monthly savings amount. Going to favorite family spot? Try to get an idea of the total cost, but keep in mind that the amount may be much higher than you realize. Making a first-time trip to an extraordinary destination such as Walt Disney World? Conduct some online research to get an accurate portrayal of all of the costs involved – airfare or gas, overnight accommodations, ticket entrance fees, entertainment, etc.
Go “the extra mile” in your homework. Look for accommodations that are outside of the main part of town if that is possible. You can usually find a better deal on a hotel that is not right in the downtown area but still has easy access to the comforts of the town. Many urban areas feature mass transit networks that extend beyond downtown areas.
Sign up to become a member of…. Joining a membership club such as the American Automobile Association (AAA), will give you access to big discounts at a number of attractions and destinations. Also, if you are traveling with grandparents, see if they have access to discounts through the American Association of Retired Persons (AARP).
Have a meal plan. One of the biggest expenses on vacation can be the cost of food. Three meals a day plus snacks times four family members can quickly add up. Plan your meals ahead of time. Decide how many nights to eat out versus eating in. When making hotel reservations, try to get a room with a kitchen or at least a refrigerator and microwave so that you can bring along meals and beverages. Can’t get a room with a kitchen or kitchen appliances? Consider packing non-perishable snacks, breakfast items, and beverages.
Limit souvenir shopping. Make a list of people for whom you MUST buy souvenirs and put some money aside for small gifts, like the house or pet-sitter. But if you are merely looking for a way to share your vacation experiences, consider taking a family picture and sharing copies with family and friends
Use this as a guide to have more fun on vacation, and less time counting your money
Ways to Save Money in 2009
CNBC’s Sharon Epperson on how to build your savings in these tough times
Visit msnbc.com for Breaking News, World News, and News about the Economy
Wednesday, May 20, 2009
The Google Tree, Google Treasure Chest Scam Is Still Out there
I had a post earlier about making money with Google Treasure Chest. I ordered the CD and wrote a review of what was on the CD. To see that post Click Here
Right now this Google Tree scam is morphing into different but similar websites. Along with using Google Treasure Chest, they are using Google Money Tree, Google Money, Google Business Kit are a few. Google is always in the name. They are also using blogs with programming that makes the blog owner appear local. If you live in Iowa the blog owner will have a Iowa address to make you relate to them and more likely to order.
The key is if you are redirected to a landing page to order a CD for $1.95 - $2.95 and that landing page says anything about making money with Google on it, most likely it’s a Scam.
Stay away from this. This is a membership based website. I doubt they have anything of value to offer for the monthly cost.
Read my review HERE Read the terms of service before you do anything, and my advise is to not even bother with it.
Right now this Google Tree scam is morphing into different but similar websites. Along with using Google Treasure Chest, they are using Google Money Tree, Google Money, Google Business Kit are a few. Google is always in the name. They are also using blogs with programming that makes the blog owner appear local. If you live in Iowa the blog owner will have a Iowa address to make you relate to them and more likely to order.
The key is if you are redirected to a landing page to order a CD for $1.95 - $2.95 and that landing page says anything about making money with Google on it, most likely it’s a Scam.
Stay away from this. This is a membership based website. I doubt they have anything of value to offer for the monthly cost.
Read my review HERE Read the terms of service before you do anything, and my advise is to not even bother with it.
Monday, May 18, 2009
How To Use Google Calculator
Have you ever been doing something on the web and needed a calculator? Did you know you could use Google as a calculator? Here is a basic guide of how to use Google calculator. It’s easy and convenient to enter an equation into the Google search box and get an answer right in your Web browser. This why Google is Google, they have so many creative and useful ideas I have included a video so you can see it in action
Basic Calculations
To use Google as a calculator, all you have to do is enter your equation or formula into the search box and then click the Google Search button. The result of the calculation is displayed as shown, simple.
For Addition enter +, plus, or the word and
For Subtraction enter –, minus
For Multiplication enter *, times
For Division enter /, over
For Exponents enter to the (for example 2 to the 4th)
Here is an example, to add 2 plus 3. You would enter the following equation into the search box: 2 + 3. You can enter this with or without spaces. Click the Google Search button and you get your results.
If you want to divide 91 by 7, enter 91 / 7.
If you want to multiple 12 times 5 divided by 4, enter 12 * 5 / 4.
You can also created nesting equations by using appropriately placed parentheses. To divide the sum of 4 plus 3 by 5, you’d enter (4 + 3) / 5.
Google recognizes English-language queries as well as proper mathematical ones. For example, you can type 2 and 3 or 7 times 6 or even (4 plus 3) over 5.
Advanced Calculations and Constants
Google’s calculator isn’t limited to basic addition and multiplication. It can also handle more advanced calculations and functions. Google also knows a variety of mathematical and scientific constants, such as pi, Avogadro’s Number, and Planck’s Constant. It also knows the radius of the Earth, the mass of the sun, the speed of light, the gravitational constant, and a lot more.
To find the speed of light for example Enter speed of light,
Google returns 299,792,458 m/s.
For the radius of the earth Enter radius of earth,
Google returns 6378.1 kilometers.
To divide the radius of the earth by pi. Enter (radius of earth) / pi;
Google’s answer is 2030.21229 kilometers.
To multiply the radius of the Earth by the speed of light and then dividing the answer by Avogadro’s number enter (radius of earth) * (speed of light) / (avogadro’s number).
The answer is 3.17512652 × 10-09 m2⁄s.)
The next time you need to make a quick calculation you will now know how to use Google’s search bar as a calculator.
Basic Calculations
To use Google as a calculator, all you have to do is enter your equation or formula into the search box and then click the Google Search button. The result of the calculation is displayed as shown, simple.
For Addition enter +, plus, or the word and
For Subtraction enter –, minus
For Multiplication enter *, times
For Division enter /, over
For Exponents enter to the (for example 2 to the 4th)
Here is an example, to add 2 plus 3. You would enter the following equation into the search box: 2 + 3. You can enter this with or without spaces. Click the Google Search button and you get your results.
If you want to divide 91 by 7, enter 91 / 7.
If you want to multiple 12 times 5 divided by 4, enter 12 * 5 / 4.
You can also created nesting equations by using appropriately placed parentheses. To divide the sum of 4 plus 3 by 5, you’d enter (4 + 3) / 5.
Google recognizes English-language queries as well as proper mathematical ones. For example, you can type 2 and 3 or 7 times 6 or even (4 plus 3) over 5.
Advanced Calculations and Constants
Google’s calculator isn’t limited to basic addition and multiplication. It can also handle more advanced calculations and functions. Google also knows a variety of mathematical and scientific constants, such as pi, Avogadro’s Number, and Planck’s Constant. It also knows the radius of the Earth, the mass of the sun, the speed of light, the gravitational constant, and a lot more.
To find the speed of light for example Enter speed of light,
Google returns 299,792,458 m/s.
For the radius of the earth Enter radius of earth,
Google returns 6378.1 kilometers.
To divide the radius of the earth by pi. Enter (radius of earth) / pi;
Google’s answer is 2030.21229 kilometers.
To multiply the radius of the Earth by the speed of light and then dividing the answer by Avogadro’s number enter (radius of earth) * (speed of light) / (avogadro’s number).
The answer is 3.17512652 × 10-09 m2⁄s.)
The next time you need to make a quick calculation you will now know how to use Google’s search bar as a calculator.
Baby Crib Review Save On Your Next Baby Crib
Its easy to save on your next baby crib if you know what to look for. Here are some basics. Use this baby crib review as a reference guide when shopping. This review will point out the differences in the different kinds of baby cribs and the types of mattresses that are used with them. It will also point out some of the latest crib safety features and things to look for when shopping for your new baby crib and mattress
Types of cribs, What to look for when shopping
Standard Baby Crib:
There are two types of standard baby cribs. The single drop side, where one side drops and the double drop side where both sides drop. The standard crib is the most commonly used crib. They are very basic and have very few features other than being able to raise and lower the mattress. They are usually made of wood and can come in many different styles. You can find a standard crib model starting at around $100
Convertible Crib:
Convertible cribs convert from a standard crib to a toddler bed then to a full sized bed. The advantage of a convertible crib is if you buy a quality piece, it should last you for quite a while. However, you will have to buy a new mattress as you convert from crib to bed. The main disadvantage is that you will have to spend more money upfront. Convertible cribs cost more than standard crib models but you should be able to find them starting at around $300. This is still a bargain when you consider the years of use you will get from it. On a personal note my 14/yo son has a convertible crib and it is the only bed he has ever slept on.
Canopy Baby Crib:
Canopy cribs have four posts which you can place fabric canopies on. Canopy baby cribs come in rectangular and round. This type of crib can give your babies room a more elegant look and feel. Expect to pay more for a canopy crib than you would for a standard crib and you will also incur more of an expense when buying bedding for it since you will need to buy bedding that includes the canopy.
Round Baby Crib:
Round baby cribs have become increasingly popular lately. The reason being, round cribs work well if you have an odd shaped nursery. Also the round shape adds a contemporary look to the crib. Round cribs feature optional canopies and special inserts with designs that you can use to match other furniture and colors in the room. These cribs usually have a single drop side. They are much more expensive than a standard crib. You can expect to pay close to $1000 or more if you want a round crib.
Portable Baby Cribs:
Portable baby cribs are much smaller than standard cribs. The advantages to a portable crib is that it does occupy much space. It also works well if you have a small nursery. If you travel a lot, they fold up easily. The disadvantages to a portable crib is that the baby will likely outgrow it sooner than if they were in a standard size crib. Finding bedding for the crib may also be difficult. Portable cribs can be found for under $100.
Bassinets and Cradles:
The main difference between a bassinet and a cradle is that a bassinet is placed in a stand and is stationary. A cradle is designed to be rocked back and forth. Most bassinets sold today come as a complete set with all of the bedding included. Both can be moved from room to room, however the cradle is heavier making it bulkier to move around. If the bassinet or cradle has a hood, make sure it folds back for convenience. Bassinets and Cradles are typically used for the first 4 or 6 months of a babies life. If you have a heavier baby you may need to change earlier. Because of this, many parents view these as a luxury items and not a necessity. If you have large pets like a big dog or other children in the house, a bassinet or cradle is may not be a good idea as they are easy to tip over and should not be left unattended in these cases.
Avoid used cribs, bassinets and cradles, especially ones made before 1973. They may have slats that are to far apart, contain lead paint, have splinters as well as other dangers.
Safety tips for cribs, bassinets and cradles:
The distances between crib slats should be no more that 2 3/8 inches apart.
When drop sides are raised, they are at least 26 inches above the mattress support.
Drop sides when lowered are at least 9 inches above the mattress support.
Make sure the drop sides have a secure locking mechanism.
Check for rough corners, edges and peeling paint.
Make sure the bassinet or cradle has a wide base with sturdy construction.
Check for rough edges on the inside of the crib, bassinet or cradle where your baby will be sleeping.
Check the rolling casters to see if they come with some kind of wheel lock.
Mattress supports should connect to the crib sides securely.
Metal mattress supports are best and will support a jumping toddler better than wood.
Mattresses:
Your baby will spend a lot of time sleeping in their crib. Most babies will use a crib up to the age of 3. Buying a quality mattress make your baby more comfortable, sleep longer and less cranky. Also, the right mattress provides the proper support for growing babies. The firmer the mattress the better.
Types of Mattresses: Foam vs. Innerspring
Foam:
Foam mattresses are made of polyether or polyester. They are also lightweight. If purchasing a foam mattress, you want to get one with high density. Do not confuse thickness with density. A more dense mattress is firmer and provides better support. Foam mattresses do not hold their shape or last as long as an innerspring mattress. Because of this they are usually less expensive.
Innerspring mattresses:
Innerspring mattresses are made of coils, similar to most adult mattresses. The more coils the better as that is what provides the firmness and support. Look for ones with a coil count of 150 or more. The mattress cover or “ticking” should have multiple layers and have an edge rod to increase the life of the edges and mattress. These mattresses are heavier and more expensive than foam.
Features to look for when buying a mattress:
Make sure the mattress is fire-retardant.
Check the size, most standard cribs measure 51 5/8 x 27 1/4 inches You should not be able to put more than two fingers in between the edge of the crib and the crib mattress.
Look for vents on the side of the mattress. These vents are to keep the mattress fresh by venting out odors.
Crib Accessories:
Teething rails, These covers the tops of the railings to prevent your child from chewing on wood.
Sleep positioners to position your baby on his or her back or side
Bumper guards that line all four sides of the crib.
Attachable toys that tie to the railings and hanging mobiles that attach to the crib rail provide stimulation, entertainment, and help to develop coordination.
As a final Note
If you have a registration card be sure to fill it out and mail it in. This is how you will be notified in case of a recall.
For recall info go to Consumer Reports http://www.consumerreports.org/main/home.jsp
Save 30% on over 20,000 Crib & Toddler bedding items from 20 leading brands. Free Shipping. Low Price Guarantee.
Types of cribs, What to look for when shopping
Standard Baby Crib:
There are two types of standard baby cribs. The single drop side, where one side drops and the double drop side where both sides drop. The standard crib is the most commonly used crib. They are very basic and have very few features other than being able to raise and lower the mattress. They are usually made of wood and can come in many different styles. You can find a standard crib model starting at around $100 Convertible Crib:
Convertible cribs convert from a standard crib to a toddler bed then to a full sized bed. The advantage of a convertible crib is if you buy a quality piece, it should last you for quite a while. However, you will have to buy a new mattress as you convert from crib to bed. The main disadvantage is that you will have to spend more money upfront. Convertible cribs cost more than standard crib models but you should be able to find them starting at around $300. This is still a bargain when you consider the years of use you will get from it. On a personal note my 14/yo son has a convertible crib and it is the only bed he has ever slept on.Canopy Baby Crib:
Canopy cribs have four posts which you can place fabric canopies on. Canopy baby cribs come in rectangular and round. This type of crib can give your babies room a more elegant look and feel. Expect to pay more for a canopy crib than you would for a standard crib and you will also incur more of an expense when buying bedding for it since you will need to buy bedding that includes the canopy.Round Baby Crib:
Round baby cribs have become increasingly popular lately. The reason being, round cribs work well if you have an odd shaped nursery. Also the round shape adds a contemporary look to the crib. Round cribs feature optional canopies and special inserts with designs that you can use to match other furniture and colors in the room. These cribs usually have a single drop side. They are much more expensive than a standard crib. You can expect to pay close to $1000 or more if you want a round crib. Portable Baby Cribs:
Portable baby cribs are much smaller than standard cribs. The advantages to a portable crib is that it does occupy much space. It also works well if you have a small nursery. If you travel a lot, they fold up easily. The disadvantages to a portable crib is that the baby will likely outgrow it sooner than if they were in a standard size crib. Finding bedding for the crib may also be difficult. Portable cribs can be found for under $100.Bassinets and Cradles:
The main difference between a bassinet and a cradle is that a bassinet is placed in a stand and is stationary. A cradle is designed to be rocked back and forth. Most bassinets sold today come as a complete set with all of the bedding included. Both can be moved from room to room, however the cradle is heavier making it bulkier to move around. If the bassinet or cradle has a hood, make sure it folds back for convenience. Bassinets and Cradles are typically used for the first 4 or 6 months of a babies life. If you have a heavier baby you may need to change earlier. Because of this, many parents view these as a luxury items and not a necessity. If you have large pets like a big dog or other children in the house, a bassinet or cradle is may not be a good idea as they are easy to tip over and should not be left unattended in these cases.Avoid used cribs, bassinets and cradles, especially ones made before 1973. They may have slats that are to far apart, contain lead paint, have splinters as well as other dangers.
Safety tips for cribs, bassinets and cradles:
The distances between crib slats should be no more that 2 3/8 inches apart.
When drop sides are raised, they are at least 26 inches above the mattress support.
Drop sides when lowered are at least 9 inches above the mattress support.
Make sure the drop sides have a secure locking mechanism.
Check for rough corners, edges and peeling paint.
Make sure the bassinet or cradle has a wide base with sturdy construction.
Check for rough edges on the inside of the crib, bassinet or cradle where your baby will be sleeping.
Check the rolling casters to see if they come with some kind of wheel lock.
Mattress supports should connect to the crib sides securely.
Metal mattress supports are best and will support a jumping toddler better than wood.
Mattresses:
Your baby will spend a lot of time sleeping in their crib. Most babies will use a crib up to the age of 3. Buying a quality mattress make your baby more comfortable, sleep longer and less cranky. Also, the right mattress provides the proper support for growing babies. The firmer the mattress the better.
Types of Mattresses: Foam vs. Innerspring
Foam:
Foam mattresses are made of polyether or polyester. They are also lightweight. If purchasing a foam mattress, you want to get one with high density. Do not confuse thickness with density. A more dense mattress is firmer and provides better support. Foam mattresses do not hold their shape or last as long as an innerspring mattress. Because of this they are usually less expensive.
Innerspring mattresses:
Innerspring mattresses are made of coils, similar to most adult mattresses. The more coils the better as that is what provides the firmness and support. Look for ones with a coil count of 150 or more. The mattress cover or “ticking” should have multiple layers and have an edge rod to increase the life of the edges and mattress. These mattresses are heavier and more expensive than foam.
Features to look for when buying a mattress:
Make sure the mattress is fire-retardant.
Check the size, most standard cribs measure 51 5/8 x 27 1/4 inches You should not be able to put more than two fingers in between the edge of the crib and the crib mattress.
Look for vents on the side of the mattress. These vents are to keep the mattress fresh by venting out odors.
Crib Accessories:
Teething rails, These covers the tops of the railings to prevent your child from chewing on wood.
Sleep positioners to position your baby on his or her back or side
Bumper guards that line all four sides of the crib.
Attachable toys that tie to the railings and hanging mobiles that attach to the crib rail provide stimulation, entertainment, and help to develop coordination.
As a final Note
If you have a registration card be sure to fill it out and mail it in. This is how you will be notified in case of a recall.
For recall info go to Consumer Reports http://www.consumerreports.org/main/home.jsp
Save 30% on over 20,000 Crib & Toddler bedding items from 20 leading brands. Free Shipping. Low Price Guarantee.
Saturday, May 16, 2009
Save With Smarty Pig - A Smarty Pig Review
Need to save for a big ticket item? Can't seem to be able to do it, well SmartyPig claims to be your answer. With SmartyPig you set up automatic withdrawals from your checking, or savings account to fund your Smartypig account. As you save over time you earn interest on your balance. SmartyPig claims to offer a higher interest rate than a regular savings account without charging any fees. SmartyPig can be used if you want to buy a big ticket item and can wait six months to a year for it. The longer the time frame the better as you will earn more interest over time. If you want the item in the very near term, Smartypig would seem to be of no benefit.
SmartyPig officially launched in April of 2008. Mike Ferrari and Jon Gaskell founded the company. Ferrari is a Web designer who worked for The Integer Group. Gaskell was a media professional and former owner of CityView and Pointblank. They financed the company with their own money and investments from family and friends. West Bank a bank chain in Iowa has an equity stake in the company. West Bank is a 115-year-old publicly traded financial holding company.
It is free to open an account with SmartyPig. There are no account fees, you earn interest on your deposits, and balances are FDIC insured up to the maximum allowed by law. To open an account, a deposit of at least $25 is required. The minimum savings goal is $250, and the maximum is $100,000. SmartyPig accounts are held at West Bank. SmartyPig also undergoes regular financial and security audits.
The concept behind SmartyPig is you to set up savings accounts for specific goals. You let SmartyPig know what it is your saving for and when you want to reach the goal. Once your account is set up SmartyPig will suggest a monthly contribution. This is a required debit from a predetermined funding source such as a checking or savings account. You can make you account public so others can also contribute to your financial goal; for example someone may choose to make a deposit as a birthday gift to you. These deposits accrue interest. The interest rate is determined by West Bank. The APY may be changed without notice. Interest accrues daily but is posted quarterly. If a savings goal has a time frame of less than a quarter, I am unsure if the interest is paid
When you’ve reached a savings goal, SmartyPig will either issue you a debit card, a retailer gift card or transfer the full balance to a bank of your choice. SmartyPig has partnered with top retailers like Best Buy, Sears, Home Depot, Macys and Sandals to name a few that will give you up to an additional 5% discount for making your purchase with them.
If you want to save for multiple items. I sugguest setting up multilple accounts. An account balance can not be split up. If you want to get the retail gift card savings you will have to get the full balance on a single gift card. You can get the balance in cash if you tranfer it back to the original funding source. However if the goal is to save for a specific item or items and you can buy it through a SmartyPig reatil partner, you should and get the additional discount.
SmartyPig seems like a good idea for someone who lacks the discipline to save on his or her own, and also has the extra money to save on a monthly basis. If you think there may be a month you won't have the contribution available, SmartyPig may not be for you.
To learn more you can vistit SmartyPig and West Bank
http://www.westbankiowa.com/
http://www.smartypig.com/
Thursday, May 14, 2009
How To Read Your Paycheck - What's on Your Paystub
What is Included on a Paycheck Stub?
If you look at the paycheck from 50 different companies, it is highly possible you will have 50 different looking paychecks. Some checks will be very detailed including things like the number of exemptions you are claiming, marital status, vacation time, and 401k contributions. Other Paychecks will only show the information required by law. Each company can print checks on whatever check stock or check format they choose. However on all those different looking paychecks there are certain things printed that is consistent with all of them. The following information will appear on every paycheck.
Gross Pay: This includes the total amount of income that you earned during a particular pay period. Your employer determines the pay period. A pay period can be weekly, bi-weekly, monthly or something else. This amount does not include any tax deductions or company deductions such as insurance.
Before any Federal Taxes are deduced from your check, you have a few company deductions that are not taxed. These are your deduction to your medical and dental plans, and any 401k contribution.
Statutory Deductions: These are on all paychecks required by law
Federal Tax Amount: This amount can vary depending on the amount of money you earn and the number of exemptions you chose to claim. You can check the IRS.gov website for your income tax bracket
State Tax Amount: Depending on the state you live in, you may not be required to pay a state tax. If your state has an income tax law this amount is deducted from your paycheck the same way as Federal tax. You can find your state income tax rate from your state’s website
Local Tax Amount: Although rare, a local tax is sometimes applied to employees of certain cities, counties or school districts. For example, I believe New York is a state with city taxes.
You will now have all your other company deductions like supplemental insurance, and any stock purchase plans etc..
Net Pay: This is the amount of income that you actually take home after all withholdings and deductions have been applied.
Common Abbreviations Used on Paycheck Stubs
YTD: Year-to-Date
FT or FWT: Federal Tax or Federal Tax Withheld
ST or SWT: State Tax or State Tax Withheld
SS or SSWT: Social Security or Social Security Tax Withheld
MWT or Med: Medicare Tax Withheld
FICA: Federal Insurance Contributions Act
Although not required, the following are items that may appear on your paycheck stub These would be some of the things mentioned in the first paragraph.
Take a look at your pay stub now you have a better understanding of the type of taxes your paying and why.
If you work for a small company that might have manual payroll check your paycheck to make sure the deductions are calculated correctly
If you look at the paycheck from 50 different companies, it is highly possible you will have 50 different looking paychecks. Some checks will be very detailed including things like the number of exemptions you are claiming, marital status, vacation time, and 401k contributions. Other Paychecks will only show the information required by law. Each company can print checks on whatever check stock or check format they choose. However on all those different looking paychecks there are certain things printed that is consistent with all of them. The following information will appear on every paycheck.
Gross Pay: This includes the total amount of income that you earned during a particular pay period. Your employer determines the pay period. A pay period can be weekly, bi-weekly, monthly or something else. This amount does not include any tax deductions or company deductions such as insurance.
Before any Federal Taxes are deduced from your check, you have a few company deductions that are not taxed. These are your deduction to your medical and dental plans, and any 401k contribution.
Statutory Deductions: These are on all paychecks required by law
Federal Tax Amount: This amount can vary depending on the amount of money you earn and the number of exemptions you chose to claim. You can check the IRS.gov website for your income tax bracket
State Tax Amount: Depending on the state you live in, you may not be required to pay a state tax. If your state has an income tax law this amount is deducted from your paycheck the same way as Federal tax. You can find your state income tax rate from your state’s website
Local Tax Amount: Although rare, a local tax is sometimes applied to employees of certain cities, counties or school districts. For example, I believe New York is a state with city taxes.
You will now have all your other company deductions like supplemental insurance, and any stock purchase plans etc..
Net Pay: This is the amount of income that you actually take home after all withholdings and deductions have been applied.
Common Abbreviations Used on Paycheck Stubs
YTD: Year-to-Date
FT or FWT: Federal Tax or Federal Tax Withheld
ST or SWT: State Tax or State Tax Withheld
SS or SSWT: Social Security or Social Security Tax Withheld
MWT or Med: Medicare Tax Withheld
FICA: Federal Insurance Contributions Act
Although not required, the following are items that may appear on your paycheck stub These would be some of the things mentioned in the first paragraph.
Take a look at your pay stub now you have a better understanding of the type of taxes your paying and why.
If you work for a small company that might have manual payroll check your paycheck to make sure the deductions are calculated correctly
Monday, May 11, 2009
Increase Your Online Income - A Guide To Making Money Online
Are you trying to make money online, but frustrated you don’t seem to be getting the kind of money you want? There must be hundreds of thousands of people looking to make money online. With the state of the economy these days that number I'm sure is growing daily. I am no Internet marketing genius. I have no secret system. I do not have millions of dollars. I do have some knowledge I think I can share especially if you are just starting out. I am going to give you some tips I use to make money online.
Get A Plan - When starting any business you should have a plan. It should include the goals you want to accomplish. What steps you need to take to make them happen. How long will it take. How much money do you plan to spend on sales, marketing, equipment, things of that nature. Make your plan realistic and stick to it as closely as possible. It can be changed along the way, as things change but you should always have a realistic plan.
Know Why - One of the most important, steps to becoming successful is not how your going to do it, but why you want to do it. Without knowing why, your how will be nearly impossible. Once you have found your why, it is much easier to find your how. Your why could be spending time with family, health reasons or something else. You must look deep inside yourself to find out why you want to become rich or be able to create a income from online from home.. Once you have found your why, it write it down and keep it in a place where you will see it everyday. This is basically the laws of attraction. After you find your why you can search for your how. Remember, there are no easy roads to riches. Very few get rich quick. If it was easy then everyone would be rich.
Find Your How - Now it's time to start figuring out how you will make money online. There are many different ways to make money online. A few of the more popular things are: blogging, affiliate marketing, network marketing, article marketing, creating an e-book, or working an actual online job from home. In most cases some of these go hand-in-hand so you will probably at some point be doing more than one of these things at the same time.
Get Educated - You should know the basics of online marketing and promoting before getting started. This really goes for anything you are trying to do. You can get this education for free all over the Internet. Google is the place to start. I try never to pay for information. People making money online with articles will write informative article that can be found for free. They do this because a highly searched topic like making money online will get many hits which in turns brings the author more money. A great place to start is by Googling Internet marketing forums and articles submission sites.
I suggest starting out with one thing at a time and getting comfortable with it before moving on to doing multiple things at once. You can start part time. Doing this will allow you to learn how to make an online income while still having one. The goal is that you will eventually learn how to make a full time income online. For instance, you could work during the day and spend a couple hours per day learning how to market affiliate programs.
Here are a few things I feel you should avoid - paid to read emails, paid to surf, taking surveys and any system that promises huge amounts of money in a short period of time. There are more things to stay away from but I can't go into detail in this article.
Get Going - Now it's time for you to get started making money online. It is imperative in this step to stay focused. As mentioned before don't go jumping around to every opportunity you see just because it promises quick riches. Stick with what you started and put your full effort into that. Get a routine. It is also important that you do not expect too much too fast. It is going to take time to start making money online and it is going to take even longer to start making a significant amount of money.
Work Hard and Do Not Quit - This is probably the best advice that I read and I consider it the most important tip I can pass on to anyone trying to make money online. No matter what anyone tells or what you read, making money online is hard work. You have to put in a lot of time and effort before you make any real money from it. You will fail at times, that’s for sure. However, I do believe, you will also succeed if you have a positive attitude. Get up from those failures and keep going!
That's it. This is my guide to making money online and eventually bringing in a great full-time income. Of course, this article is a beginner’s version of what it truly takes. There is more detail to making money online that cannot be fully explained in one article. The above is basically all you need to do. It will not be easy but it can be done. There are many people making money online right now. Many of them are very rich because of it. Follow the above guide and you can be making a full time income on the Internet soon enough.
Get A Plan - When starting any business you should have a plan. It should include the goals you want to accomplish. What steps you need to take to make them happen. How long will it take. How much money do you plan to spend on sales, marketing, equipment, things of that nature. Make your plan realistic and stick to it as closely as possible. It can be changed along the way, as things change but you should always have a realistic plan.
Know Why - One of the most important, steps to becoming successful is not how your going to do it, but why you want to do it. Without knowing why, your how will be nearly impossible. Once you have found your why, it is much easier to find your how. Your why could be spending time with family, health reasons or something else. You must look deep inside yourself to find out why you want to become rich or be able to create a income from online from home.. Once you have found your why, it write it down and keep it in a place where you will see it everyday. This is basically the laws of attraction. After you find your why you can search for your how. Remember, there are no easy roads to riches. Very few get rich quick. If it was easy then everyone would be rich.
Find Your How - Now it's time to start figuring out how you will make money online. There are many different ways to make money online. A few of the more popular things are: blogging, affiliate marketing, network marketing, article marketing, creating an e-book, or working an actual online job from home. In most cases some of these go hand-in-hand so you will probably at some point be doing more than one of these things at the same time.
Get Educated - You should know the basics of online marketing and promoting before getting started. This really goes for anything you are trying to do. You can get this education for free all over the Internet. Google is the place to start. I try never to pay for information. People making money online with articles will write informative article that can be found for free. They do this because a highly searched topic like making money online will get many hits which in turns brings the author more money. A great place to start is by Googling Internet marketing forums and articles submission sites.
I suggest starting out with one thing at a time and getting comfortable with it before moving on to doing multiple things at once. You can start part time. Doing this will allow you to learn how to make an online income while still having one. The goal is that you will eventually learn how to make a full time income online. For instance, you could work during the day and spend a couple hours per day learning how to market affiliate programs.
Here are a few things I feel you should avoid - paid to read emails, paid to surf, taking surveys and any system that promises huge amounts of money in a short period of time. There are more things to stay away from but I can't go into detail in this article.
Get Going - Now it's time for you to get started making money online. It is imperative in this step to stay focused. As mentioned before don't go jumping around to every opportunity you see just because it promises quick riches. Stick with what you started and put your full effort into that. Get a routine. It is also important that you do not expect too much too fast. It is going to take time to start making money online and it is going to take even longer to start making a significant amount of money.
Work Hard and Do Not Quit - This is probably the best advice that I read and I consider it the most important tip I can pass on to anyone trying to make money online. No matter what anyone tells or what you read, making money online is hard work. You have to put in a lot of time and effort before you make any real money from it. You will fail at times, that’s for sure. However, I do believe, you will also succeed if you have a positive attitude. Get up from those failures and keep going!
That's it. This is my guide to making money online and eventually bringing in a great full-time income. Of course, this article is a beginner’s version of what it truly takes. There is more detail to making money online that cannot be fully explained in one article. The above is basically all you need to do. It will not be easy but it can be done. There are many people making money online right now. Many of them are very rich because of it. Follow the above guide and you can be making a full time income on the Internet soon enough.
Saturday, May 9, 2009
Review of Global Domains International GDI - Is GDI A Scam
Global Domain InternationalInternational (GDI) is a Fortune 500 company that sells Domain names and web hosting packages. GDI has been in Business since 1982. For $10.00 per month you get a domain name, web hosting, a site builder and ten email addresses. There are a number of other web hosting companies that offer the same for less, so why go with GDI. Well GDI offers more than just hosting and other services. It also gives you an opportunity to make a passive income as well. I do not know of any other web hosting company that offers that. The company does have a good reputation. If you do a Google search on GDI Scam or is GDI a scam you'll not come up with much. The majority will be complaints from those expecting to make money with no effort. If you want a domain name because you want a presence on the Internet than this is the best way to go. The opportunity to earn some extra money will be like icing on the cake.
The .WS Stigma.
Most people feel that they must have a .com domain for their web based business. That is not really the case, especially if your blogging or have a niche business. With all the websites on the internet today, most people do not type in web addresses anymore. Most web surfers head straight for a search engine such as Google or Yahoo and type in what they are looking for using keywords. This is were the .ws has an advantage. With all the good or popular .com, .info, .org domain names taken you can still find some with .ws. This is a great for using specific keyword in your domain name. It’s also good SEO and page ranking. This is something that is often overlooked.
Advantages to GDI Web Hosting Plan
1.You can get web hosting without committing to a long-term contract. Unlike other hosting companies that only have 1 yr contracts, you can get hosting on a month-to-month basis.
2. Most of the good dot com domain names are taken. If you want a specific domain you can still get it with GDI. GDI also has domains that end in .com .biz .info .net they have all that's offered not just .WS
3. You get a 7 DAY FREE TRIAL with all the benefits offered. You can see the control panel and services for free before making a commitment
Web Hosting Specs
GDI $10/mth membership comes with a .WS domain name, 10 email addresses with POP/IMAP/web access as well as web hosting.
· Ultra Fast Dual 3.6 GHz CPU Pentium 4 Servers
· Fully managed 24/7 site monitoring
· 1 GIGAbit, multi-homed tier-1 carriers
· 100 meg disk storage per account
· 10 gigs of monthly bandwidth
GDI! hosting will be enough for the basic home or business users needs who just wants a website. However, for advanced users and programmers who require the use of SQL databases in their website, GDI hosting does not support SQL databases. The good news is GDI allows you to point your domain name DNS to you own third party web host. So this will solve the issue of GDI hosting on SQL databases.
The Income Opportunity
As mentioned earlier, GDI has a great compensation package for customers who refer others to sign up and register a domain name:
You will receive $1.00 for each referral. The $1.00 referral payment is 5 levels deep.
If you can refer 5 people to Global Domains International (GDI) per month you would make, $5.00 monthly.
If those 5 team members referred 5 team members of their own. This would be your second level and now you would make $25.00 per month in commissions.
If those members did the same and recruited 5, you would now earn $125.00/month on the third level. If level four and five do the same, each month you would be earning $3,125.00/month as long as everyone kept their hosting account.
GDI Support
With GDI you are given plenty of resources to help you succeed. There is help from both GDI and your up-line. Your up-line will always be willing to help you. You also have plenty of links, banners and creative ads to help you promote GDI
Conclusion
If your looking for a easy way to create income online I would recommend giving GDI a try. The cost to start is very cheap. Free for the first 7 days, then $10/month after that. You are given a variety of marketing materials and suggestions in the members area. Don’t forget the advantage you have with using the .ws to get a keyword rich domain name. After being in business for 27 years, it is safe to say that Global Domains International, Inc. is here to stay. Like any other business promotion is the key.
Click Here to see if Global Domains International is for you
The .WS Stigma.
Most people feel that they must have a .com domain for their web based business. That is not really the case, especially if your blogging or have a niche business. With all the websites on the internet today, most people do not type in web addresses anymore. Most web surfers head straight for a search engine such as Google or Yahoo and type in what they are looking for using keywords. This is were the .ws has an advantage. With all the good or popular .com, .info, .org domain names taken you can still find some with .ws. This is a great for using specific keyword in your domain name. It’s also good SEO and page ranking. This is something that is often overlooked.
Advantages to GDI Web Hosting Plan
1.You can get web hosting without committing to a long-term contract. Unlike other hosting companies that only have 1 yr contracts, you can get hosting on a month-to-month basis.
2. Most of the good dot com domain names are taken. If you want a specific domain you can still get it with GDI. GDI also has domains that end in .com .biz .info .net they have all that's offered not just .WS
3. You get a 7 DAY FREE TRIAL with all the benefits offered. You can see the control panel and services for free before making a commitment
Web Hosting Specs
GDI $10/mth membership comes with a .WS domain name, 10 email addresses with POP/IMAP/web access as well as web hosting.
· Ultra Fast Dual 3.6 GHz CPU Pentium 4 Servers
· Fully managed 24/7 site monitoring
· 1 GIGAbit, multi-homed tier-1 carriers
· 100 meg disk storage per account
· 10 gigs of monthly bandwidth
GDI! hosting will be enough for the basic home or business users needs who just wants a website. However, for advanced users and programmers who require the use of SQL databases in their website, GDI hosting does not support SQL databases. The good news is GDI allows you to point your domain name DNS to you own third party web host. So this will solve the issue of GDI hosting on SQL databases.
The Income Opportunity
As mentioned earlier, GDI has a great compensation package for customers who refer others to sign up and register a domain name:
You will receive $1.00 for each referral. The $1.00 referral payment is 5 levels deep.
If you can refer 5 people to Global Domains International (GDI) per month you would make, $5.00 monthly.
If those 5 team members referred 5 team members of their own. This would be your second level and now you would make $25.00 per month in commissions.
If those members did the same and recruited 5, you would now earn $125.00/month on the third level. If level four and five do the same, each month you would be earning $3,125.00/month as long as everyone kept their hosting account.
GDI Support
With GDI you are given plenty of resources to help you succeed. There is help from both GDI and your up-line. Your up-line will always be willing to help you. You also have plenty of links, banners and creative ads to help you promote GDI
Conclusion
If your looking for a easy way to create income online I would recommend giving GDI a try. The cost to start is very cheap. Free for the first 7 days, then $10/month after that. You are given a variety of marketing materials and suggestions in the members area. Don’t forget the advantage you have with using the .ws to get a keyword rich domain name. After being in business for 27 years, it is safe to say that Global Domains International, Inc. is here to stay. Like any other business promotion is the key.
Click Here to see if Global Domains International is for you
Wednesday, May 6, 2009
iPhone App Developers Striking It Rich One Download At A Time
The Apple iPhone is a revolutionary product. It is a must have for millions of people. With its advanced technology, there seems to be no limit to the things that you can do with your iPhone. Apple also saw the great possibilities with the applications you can run on a iPhone. What Apple did was create a developers kit so coders with the knowledge could create apps to be downloaded to the phone. In doing this Apple created a virtual gold mine for independent developers. Since its launch in July 08, the App Store has grown to become an developer’s dream come true.
The Apple App Store, despite its corporate ties, has created an open market where developers can strike it rich so long as they possess the talent and the time. Developers earn 70 percent of App Store proceeds from the sale of their games, with Apple taking 30 percent.
Here are a few developer who did just that. They basically struck it rich over night. Here are their stories.
Ethan Nicholas, developer of a tank artillery game called iShoot, quit his day job the day his app rose to No. 1 in the App Store “I’m not going to be a millionaire in the next month, but I’d be shocked if it didn’t happen at the end of the year,” Nicholas has made $600,000 in a single month. In order to boost sales, Nicholas coded a free version of the app called iShoot Lite which contained an advertisement for the $3, full version of iShoot.
Steve Demeter, developer of the vastly popular $5 iPhone game Trism, announced he made $250,000 in profit in just two months. He contracted a designer for $500 and also had help from a friend. He knew iPhone apps would get big once Apple released a software developer kit to allow third-party apps on the handset, and he wanted to get in on the platform early. If his profits continue at this rate, Demeter will earn nearly $2 million by July 2009.
Bart Decrem built the free app Tap Tap Revenge, a music-rhythm game that utilizes the iPhone’s touch screen and accelerometer. His app hit 1,000,000 downloads just two weeks after its launch. There are over 1.75 million users who have downloaded Tap Tap Revenge, according to Decrem. He expects that number to grow to over 2,000,000 soon. As for profits, Decrem just recently began placing ads in the game, he has plans to release a premium version that will cost money. Decrem did not disclose profit numbers, but it is estimates are that any top iPhone app is making its developer around $5,000 to $10,000 a day.
Joel Comm, the developer of iFart, has been pretty forthcoming with sales his figures on his blog. He states that over Christmas Eve and Christmas day, he sold more than 58,000 downloads of iFart, netting him over $40,000 dollars in just two days. It was initially released on December 12th, and has since skyrocketed up the app store charts. At one point it was the #1 paid program in the app store. In the two weeks following its release, it’s was downloaded 113,865 times, netting the creators $78,908 in the process
According to developers, the recipe for success in creating a great iPhone app is paying attention to detail, keeping the app engaging and alive with various forms of gameplay, and plain old fashion word of mouth. Similar to Trism, Tap Tap Revenge was also an app that initially emerged in the Jailbreak community, and it spawned a loyal following there before breaking out into the broader market with the launch of the App Store. The field is getting crowded, though. There now are more than 1,500 iPhone games available from the App Store. The successes of these developers also has a lot to do with timing having a vision, and a bit of luck.
The Apple App Store, despite its corporate ties, has created an open market where developers can strike it rich so long as they possess the talent and the time. Developers earn 70 percent of App Store proceeds from the sale of their games, with Apple taking 30 percent.
Here are a few developer who did just that. They basically struck it rich over night. Here are their stories.
Ethan Nicholas, developer of a tank artillery game called iShoot, quit his day job the day his app rose to No. 1 in the App Store “I’m not going to be a millionaire in the next month, but I’d be shocked if it didn’t happen at the end of the year,” Nicholas has made $600,000 in a single month. In order to boost sales, Nicholas coded a free version of the app called iShoot Lite which contained an advertisement for the $3, full version of iShoot.
Steve Demeter, developer of the vastly popular $5 iPhone game Trism, announced he made $250,000 in profit in just two months. He contracted a designer for $500 and also had help from a friend. He knew iPhone apps would get big once Apple released a software developer kit to allow third-party apps on the handset, and he wanted to get in on the platform early. If his profits continue at this rate, Demeter will earn nearly $2 million by July 2009.
Bart Decrem built the free app Tap Tap Revenge, a music-rhythm game that utilizes the iPhone’s touch screen and accelerometer. His app hit 1,000,000 downloads just two weeks after its launch. There are over 1.75 million users who have downloaded Tap Tap Revenge, according to Decrem. He expects that number to grow to over 2,000,000 soon. As for profits, Decrem just recently began placing ads in the game, he has plans to release a premium version that will cost money. Decrem did not disclose profit numbers, but it is estimates are that any top iPhone app is making its developer around $5,000 to $10,000 a day.
Joel Comm, the developer of iFart, has been pretty forthcoming with sales his figures on his blog. He states that over Christmas Eve and Christmas day, he sold more than 58,000 downloads of iFart, netting him over $40,000 dollars in just two days. It was initially released on December 12th, and has since skyrocketed up the app store charts. At one point it was the #1 paid program in the app store. In the two weeks following its release, it’s was downloaded 113,865 times, netting the creators $78,908 in the process
According to developers, the recipe for success in creating a great iPhone app is paying attention to detail, keeping the app engaging and alive with various forms of gameplay, and plain old fashion word of mouth. Similar to Trism, Tap Tap Revenge was also an app that initially emerged in the Jailbreak community, and it spawned a loyal following there before breaking out into the broader market with the launch of the App Store. The field is getting crowded, though. There now are more than 1,500 iPhone games available from the App Store. The successes of these developers also has a lot to do with timing having a vision, and a bit of luck.
Tuesday, May 5, 2009
Peer to Peer Lending A Lending Club Review
Lending Club Review. Ways to benefit from Lending Club
The idea of peer to peer lending – also known as social lending is hardly new. Families, friends, religious groups and community groups have long engaged in making loans without the formal involvement of financial organizations. Today, there are several online companies that are serving as matchmakers for borrowers shopping for lower interest rates and investors hunting for higher investment returns. Lending Club is one of these types of companies. Peer-to-peer lending is cheaper than consumer credit. Lending Club’s rate for the best credit risks is 7.88%, the bank rate for personal loans, on average, is over 13%. With credit sources becoming harder and harder to obtain, P2P lending with Lending Club has become a great option for borrowers to try out.
About Lending Club
Since making its first peer to peer loan in June 2007 up until December 18th, 2008, Lending Club has facilitated $23.6 million in loans, Bringing together borrowers with lenders through its online social network. Borrowers typically are seeking to refinance credit card debt or other higher rate loans, pay for one time events like a wedding or to fund a small business. On average the amount borrowed is $8,249
How Does Lending Club Work?
Lending Club primarily acts as the middleman between individual
lender and borrower members seeking unsecured loans ranging from $1,000 to $25,000. You get a 3-year, loan at a fixed rate The company runs a credit check disqualifies any applicants with FICO scores less than 660 or who fail to meet its other guidelines. The underwriting criteria for loans originated through the Lending Club platform are established by agreement with the
lender, WebBank, a Utah industrial loan company, which assigns the borrower loans to Lending Club after origination. Lending Club typically does not verify income and employment information, but it sometimes does so in cases involving larger loans or when conflicting information arises.
Lending Club then sorts each application into one of 35 loan grades and assigns an interest rate. Stated interest rates ranged from 7.37% to 20.11% as of Jan. 12, 2009, with higher risk loans bearing higher interest rates. Borrowers pay a processing fee determined by their loan grade that may range from 0.75% to 3.50% of the principal amount borrowed.
Borrower Requirements and Details
A FICO score of at least 660.
Your credit history should show no outstanding tax liens, collections over the past year, recent bankruptcies (in the past 7 years), or current delinquencies.
Borrowers must be a US citizen or permanent resident, and at least 18 years old with a valid bank account and a valid Social Security numbe
Your credit report should show a maximum of 10 inquiries in the last 6 months.
Your debt to income ratio (minus your mortgage) should be under 25%.
Your credit information must show certain limits on number of accounts and utilization.
The borrowing process:
The application process is free and takes only a few minutes.
Your loan will be graded based on risk (determined from your credit score, report and other factors).
There’s a processing fee of 0.75% to 3.00% of the loan amount based on that grade, this fee will be deducted from loan proceeds you receive.
Don’t need a Loan Then Make Money With Lending Club
How do Investors Make Money?
Like a bank, investors profit from making loans to borrowers and earn a rate of return on the loan. The average interest rate for all loans was 12.34%, with a median rate of 12.29%. Lending Club collects the borrower’s monthly payments and any late payment fees and directs them proportionately to each lender member’s account, minus a 1% service charge. Lender members may hold the notes until they are paid off or offer them for sale through FOLIOfn’s note trading platform, which was introduced Oct. 14, 2008
The interest rates charged by LendingClub currently vary from 6.69 to 19.37% after fees based on the credit grade assigned by Lending Club
The Risk
Like any investment that has double digit returns, there is a risk involved. The main risk associated with lending Club is loans are unsecured, and there is no guarantee loans will be repaid as expected. Some borrowers will repay their loans early, creating interest rate risk if rates have fallen. The bigger risk, however, is that borrowers will fall behind in their payments or default on their loans. However you will have all the credit history available to you before extending a loan. Delinquent accounts generally are handed over to outside collections agencies if borrowers are more than 30 days behind in their payments, but lender members’ returns decrease if borrowers default.
Lender Requirements and Details
You only need $25 to start lending.
Interest rates for the 3 year installment loans (with fixed interest rates and equal installments) range from 7.37% to 20.11% as of this time.
You pay a service charge equal to 1% of amounts paid by borrowers this is not an annual fee
You must be a resident of certain states to be a lender.
You need to make at least $70,000 in gross income (with a net worth of $70,000) or have a net worth of $250,000.
ROI Example
If an individual had invested $10,000 on June 1st, 2007 that individual’s account at Lending Club would have grown to $11,594 by November 2008 compared to other common investments or indexes such as the Standard & Poor’s 500 Index ($6,289), the Nasdaq Composite Index ($6,605), 1‐year CDs ($10,678) and 6‐month
Treasury bills ($10,501). This comparison factors in Lending Club’s 1% service charge but does not include fees and
other transaction costs for the other investments.
CBS News Report Video on Lending Club
All indications are that Lending Club is here to stay. With traditional banks facing mounting losses and less liquidity, they are taking less risk with their lending. At the same time there are more and more credit worthy people needing loans to funds events in their life. In this internet web 3.0 world they will seek out alternatives and Lending Club is one such option
Browwow and lend with Lending Club
The idea of peer to peer lending – also known as social lending is hardly new. Families, friends, religious groups and community groups have long engaged in making loans without the formal involvement of financial organizations. Today, there are several online companies that are serving as matchmakers for borrowers shopping for lower interest rates and investors hunting for higher investment returns. Lending Club is one of these types of companies. Peer-to-peer lending is cheaper than consumer credit. Lending Club’s rate for the best credit risks is 7.88%, the bank rate for personal loans, on average, is over 13%. With credit sources becoming harder and harder to obtain, P2P lending with Lending Club has become a great option for borrowers to try out.
About Lending Club
Since making its first peer to peer loan in June 2007 up until December 18th, 2008, Lending Club has facilitated $23.6 million in loans, Bringing together borrowers with lenders through its online social network. Borrowers typically are seeking to refinance credit card debt or other higher rate loans, pay for one time events like a wedding or to fund a small business. On average the amount borrowed is $8,249
How Does Lending Club Work?
Lending Club primarily acts as the middleman between individual
lender and borrower members seeking unsecured loans ranging from $1,000 to $25,000. You get a 3-year, loan at a fixed rate The company runs a credit check disqualifies any applicants with FICO scores less than 660 or who fail to meet its other guidelines. The underwriting criteria for loans originated through the Lending Club platform are established by agreement with the
lender, WebBank, a Utah industrial loan company, which assigns the borrower loans to Lending Club after origination. Lending Club typically does not verify income and employment information, but it sometimes does so in cases involving larger loans or when conflicting information arises.
Lending Club then sorts each application into one of 35 loan grades and assigns an interest rate. Stated interest rates ranged from 7.37% to 20.11% as of Jan. 12, 2009, with higher risk loans bearing higher interest rates. Borrowers pay a processing fee determined by their loan grade that may range from 0.75% to 3.50% of the principal amount borrowed.
Borrower Requirements and Details
A FICO score of at least 660.
Your credit history should show no outstanding tax liens, collections over the past year, recent bankruptcies (in the past 7 years), or current delinquencies.
Borrowers must be a US citizen or permanent resident, and at least 18 years old with a valid bank account and a valid Social Security numbe
Your credit report should show a maximum of 10 inquiries in the last 6 months.
Your debt to income ratio (minus your mortgage) should be under 25%.
Your credit information must show certain limits on number of accounts and utilization.
The borrowing process:
The application process is free and takes only a few minutes.
Your loan will be graded based on risk (determined from your credit score, report and other factors).
There’s a processing fee of 0.75% to 3.00% of the loan amount based on that grade, this fee will be deducted from loan proceeds you receive.
Don’t need a Loan Then Make Money With Lending Club
How do Investors Make Money?
Like a bank, investors profit from making loans to borrowers and earn a rate of return on the loan. The average interest rate for all loans was 12.34%, with a median rate of 12.29%. Lending Club collects the borrower’s monthly payments and any late payment fees and directs them proportionately to each lender member’s account, minus a 1% service charge. Lender members may hold the notes until they are paid off or offer them for sale through FOLIOfn’s note trading platform, which was introduced Oct. 14, 2008
The interest rates charged by LendingClub currently vary from 6.69 to 19.37% after fees based on the credit grade assigned by Lending Club
The Risk
Like any investment that has double digit returns, there is a risk involved. The main risk associated with lending Club is loans are unsecured, and there is no guarantee loans will be repaid as expected. Some borrowers will repay their loans early, creating interest rate risk if rates have fallen. The bigger risk, however, is that borrowers will fall behind in their payments or default on their loans. However you will have all the credit history available to you before extending a loan. Delinquent accounts generally are handed over to outside collections agencies if borrowers are more than 30 days behind in their payments, but lender members’ returns decrease if borrowers default.
Lender Requirements and Details
You only need $25 to start lending.
Interest rates for the 3 year installment loans (with fixed interest rates and equal installments) range from 7.37% to 20.11% as of this time.
You pay a service charge equal to 1% of amounts paid by borrowers this is not an annual fee
You must be a resident of certain states to be a lender.
You need to make at least $70,000 in gross income (with a net worth of $70,000) or have a net worth of $250,000.
ROI Example
If an individual had invested $10,000 on June 1st, 2007 that individual’s account at Lending Club would have grown to $11,594 by November 2008 compared to other common investments or indexes such as the Standard & Poor’s 500 Index ($6,289), the Nasdaq Composite Index ($6,605), 1‐year CDs ($10,678) and 6‐month
Treasury bills ($10,501). This comparison factors in Lending Club’s 1% service charge but does not include fees and
other transaction costs for the other investments.
CBS News Report Video on Lending Club
All indications are that Lending Club is here to stay. With traditional banks facing mounting losses and less liquidity, they are taking less risk with their lending. At the same time there are more and more credit worthy people needing loans to funds events in their life. In this internet web 3.0 world they will seek out alternatives and Lending Club is one such option
Browwow and lend with Lending Club
Friday, May 1, 2009
What $207,000,000.00 in Cold Hard Cash Looks Like
Here is a sight we would all like to see. $207,000,000.00 in cold hard cash. Not sure what denomination the bills are....but who cares
Can you imaging having that stack in your house?
Can you imaging having that stack in your house?
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