Happy New Year 2009

May we live in a world at peace and with the awareness of God's love in every sunset, every flower's unfolding petals, every baby's smile, every lover's kiss, and every wonderful, astonishing, miraculous beat of our heart.Happy New Year to everybody!

Popups Are Dead??

Are PopUps really Dead? Check out this latest unblockable popup technology called "You Can't Block This". It is the latest and greatest popup builder to hit the scene. But these are not your ordinary popups. These are totally attention grabbing, will not be ignored, opt in sucking popups like you've never seen.

With "You Can't Block This" you can...

- Adds any required codes to your pages automatically... NO cut and paste required!
- Quickly and easily add multiple popup pages to your site.
- Multiple popups rotate randomly - great for testing different lead capture pages!
- Choose any background color, border color and text color you wish.
- Set a delay for the popup to appear.
- Set the popup to automatically close - 10 seconds, 10 minutes, it doesn't matter!
- No matter how far down a visitor scrolls on your site the popup appears right in front of them!
- Yes, you can incorporate audio, video, etc. on the popup pages.
- Set your popup to load an already existing web page within seconds.
- Control the frequency your visitor will see your popups - every visit, once per day, once ever and anywhere in between!
- Virtually UNBLOCKABLE by any popup blocker out there (we have not tried them all...but we did try quite a few... so far, none stopped it)
- And MUCH More!

BIZPACK - YOU CAN SEE RESULTS IN A FEW DAYS IF YOU FOLLOW THESE INSTRUCTIONS

Here is a very fast way you can make several hundred,maybe even several thousand dollars within a few days, and it will not cost you a single cent. And, it is easy to do.If you have a mailing list you can make some very fast money over the next few days. The bigger your list the more money you will make. You can even make money with this if you don't have a mailing list, but it will take a little longer.

This is how simple it is:

1- Join the BizPacks Affiliate Program. It's Free to join!

2- Log into your account, and retrieve the sales letter to
send to your list.

3- Make $33.50 for each sale!

4- Request commissions via PayPal when you reach $50, or request a check when you reach $100 in commissions.

That is absolutely all there is to it! If you do not have a mailing list, no problem. Instead of sending a sales letter, log into your back office and retrieve your affiliate link, and post it in traffic exchanges,safelists, and free classifieds It will take longer if you do not have a mailing list, but you can still make some very good money, and some very fast money.

Now, let me explain to you what BizPacks is:

BP is the #1 choice of website owners who want to take control of their online operations using unlimited autoresponders, contact forms, tell-a-friend, articles manager, and who what to automate their online business. Every online marketing specialist MUST AUTOMATE their email marketing program to be successful,which makes BP an extremely desirable software package.

With BP you can have your very own (personal) auto responder installed on your server (free installation), with NO MONTHLY FEES! You can import as many leads to your auto responder
as you want to, whenever you want to. And, installation is FREE!

Every webmaster will jump at the chance to get this autoresponder system installed on their websites free, and a one-time fee for the software. You make 50% commissions; a whopping $33.50 per sale. When you join your account will be credited with $10 INSTANTLY.

But that's not all! When your customers become affiliates, and they will if you send them a letter like this one, you earn 20% of their commissions.

So can you see how easy it will be to make several hundred to several thousand dollars over the next few days with BizPacks?

Join right now at: http://www.bizpacks.com

If you want to have your own automated marketing system installed, and never worry about sending email again, get it at: http://go.bizpacks.com

This is an awesome business service, and opportunity to make money. All Internet Marketing Specialists NEED THIS! Give it a try.



*All link are my affiliate link. I will make some money if you join through my link. Thanks.

Real Estate Market Has Hit Rock Bottom?

by: Gary Nelson

So everyone is under the impression that the real estate market has hit rock bottom, and everyone is talking about a recession, everyone is mentioning the undeniable fact that America is going suffering financially at such a rapid rate, that the future doesn’t hold to much good for us all. Before jumping to conclusions, though, let’s focus on the realities of the current situation, yes people are losing jobs, yes business’s are closing at very fast rates, yes no one is buying homes but many are attempting to sell their homes. So what are the reasons behind these drastic changes in America, and what kind of hope, if any, do we all have for the upcoming future. This is not a political based article, therefore the president elect winner will not be mentioned in this article, nor will his issues and dreams and hopes for this country, instead the current real estate market and reasons for the declines will be discussed, and of course we’ll try to squeeze in some ways to make this slump better for all. We are all paying for the mistakes of so many currently, mistakes that allowed people with bad credit and no down payment, and a salary under 100K to purchase brand new homes that they could barely afford, and expected that the interest rates are going to stay the same and that nothing will change.

Yes, it’s mistakes such as these that drove the current economic state right into the bottom, it is mistakes like these that have brought on the current real estate crisis, and why is this important, because the real estate market is the foundation for our entire economy, real estate is tied into every and any industry that one can imagine. If the real estate market is in a bind, then the entire country will suffer as well, if people aren’t buying real estate properties then everything comes to a screeching hault. Considering the fact the no matter what industry one thinks about, that industry can be related to the real estate market, whether it be construction or furniture sales. These industries are suffering and going through massive layoffs because no one is purchasing properties and leaving no reason to furnish homes and no reason to build new ones. It is for these reasons that the great country of America is suffering from the biggest financial deficit in its history, and why the unemployment rate is approaching double digits. So we all know these factors, and we are all aware of what’s going on with our great nation, which is why we chose a presidential candidate that will, hopefully, turn things around for us, for if he cannot then there’s not much hope left at all. So what can one do in this current situation, what should one do without waiting for the new president to take action? Aside from saving money and balancing your budget, we aren’t left with too many options, and the real estate market relies of individuals such as yourself to take a risk and make a financial commitment in order to keep this country going.

Real estate marketing websites are taking serious impacts on their businesses as well, due to the current situation. Currently, we are all in a situation of "survival of the fittest," therefore certain precautions and measures have to be taken in order to keep our country alive. Due to financial hardships, home sellers are turning to for sale by owner in order to save some money, which may be good for them, but for the real estate companies it isn’t looking all that well. For these reasons, real estate marketing websites such as ListingVUE.com are continuing to offer their services at the extremely affordable price of free, it’s websites like this that are taking those extreme measures to stay alive. It’s because of desperate times that many turn to desperate measures, and in a time like this, one must do whatever it takes to survive and live on.

$15 Sign Up Bonus!

I have discovered a great program that offers all the tools and materials you will need to make easy money online. I signed up and I'm really impressed with the resources and tools they give. They are giving away up to 45$ for new signups as bonuses! You can sign up too, here's the link: Sign up with MoreNiche.

Keep A Close Eye On Your Credit Report

Almost everyone knows that they should be regularly checking their credit report. Your historical report of your credit usage and current situation, as well as the historical trend that led up to this point in your credit life is what your credit score is based upon. It is actually quite a bit more complex than that, but those are the factors that to a large extent you have the most control over and you need to watch.

But part of that vigilance is avoiding credit surprises, especially when you have a big ticket item in your sights, such as a new car or a mortgage. The last thing you need to have happen when you are ready to sign on the dotted line and be given the keys to that new car or new house is to find out there is a minor problem with your credit that needs explaining, or even worse, which can sour the whole deal.

In these days of tightening economics, one of the things that is happening is that some credit card companies are lowering the credit limit on some customers. On the surface, that does not seem like it would be a big deal, until you start looking under the hood to find out what that really means for you if your credit card companies do that to you.

One of the major factors that impacts your credit rating is your responsible use of credit. The maximum number of points are given if your payments are on time of course, consistently, and that is followed closely by keeping your outstanding balance to be no more than about 25% or so of your credit limit. If it is less than that, sometimes they determine that you are not using credit enough to really make a determination, and if you are using more than that or even are very close to your credit limit, you get negative points because you do not have credit available for emergencies or contingencies.

Now if your credit limit on a particular credit card is say $3000 and your outstanding balance is around $750, that is 25% of your credit limit and you fall into a very comfortable category. But say that credit card issuer lowers your credit limit to $1500, so that with that same $750 outstanding balance, you are now using 50% of your available credit, not 25%, and your credit score will suffer. Now multiply that same scenario times a half dozen or more credit accounts you may have open, and your credit score could drop a significant number of points almost overnight.

In today's economy, a good credit score is required to get the best lending rates, and what determines a good credit score has actually gone up in recent times. This is particularly true for bigger ticket items such as cars and mortgages. Any lender who is loaning money for something these days needs to assess their risk, and as they continue to raise their standards of what they determine as acceptable risk, it is becoming more difficult to keep your credit score rising to meet those requirements for the point in time where you need to utilize them.

Your best bet overall is to keep a close eye on your credit report so that you know every minute what is being reported there. The majority of consumers have errors in their credit reports, and the only way those ever get corrected is that if you notice the error and report it. When you are in the process of applying for a loan or mortgage is not the time to start working on your credit report; rather, the time to start doing that is way BEFORE you apply for a loan or mortgage so that things can go as smoothly as possible at that point.

Why Blogging?

Here are some reasons why you should use blogging as an Internet marketing tool.

1- Blogging is free. Because blogging is yet to be proven as a mainstream online advertising media, most sites see it as something to augment current marketing tools and thus offer it for free. Any chance for free webtime is definitely a bonus especially to businesses that are starting up. Useless to say, paid blog pages can earn more income for your growing business.

2- Blogging is simple. The simplest way to get your piece on the net is through blogging. No skills are necessary… an average adult can read and type, or at least click a mouse. It’s like having a virtual piece of paper and you just write your ideas, experiences, new products, for more details visit to www.outsource-beginners.com and hope that the truth behind your articles comes out and entice your reader to also try your product. If you have a PC and an Internet connection then you can blog and advertise.

3- Blogging is realistic. In this day and age where advertising inundate our lives, we question the credibility of promoters claims. However, in blogs, real people share their real-life experiences, unscathed by paid advertising. Reading blogs about first-hand product use is like talking to people about their first-hand experience. You absolutely want to buy a tried and tested product.

4- Blogging builds reliability. As you get more and more into writing your experiences on a particular product or industry, your readers come to realize that they can depend on your posts for their own information needs. As such, you become an expert on it; as a consequence, more readers visit your site and more bloggers link to your blogs. As companies and professional organizations notice the growth of your readership base, they may soon get in touch with you for advertising on your blog page, for more details visit to www.tube-pros-espects.com or make you an affiliate, which pays for every referral generated from your blog site.

5- Blogging builds your market. Unless you are a Hollywood star, chances are, only your Mom reads your posts. Mom has a lot of friends, so she lets her friends know how interesting your blog site is.



Online Advertising | Internet Traffic

Adsense + Chitika | Premium Contest

For those who are with Chitika, you should grab this great opportunity. Chitika is having a contest to see who is making the best use of their Chitika Premium ad blocks with Adsense. All you've got to do is get them the URL of the site where you've got both Chitika Premium and Adsense set up. You can submit it in the comments of the announcement post or via email.

What are the Prizes?

GRAND PRIZE - Winner will receive their choice of:

- Google/T-Mobile G1 Android phone
- Blackberry Storm
- Apple iPhone 3G 8Gb

RUNNERS UP - 2 runners up will receive $200 each


How do I enter?

Here is the link for you to enter the contest. Adsense + Chitika | Premium Contest

Real Estate Investment

Real estate investment according to finance gurus is a sound investment. What is important in the case of a real estate deal is whether or not the investment is profitable and what its growth prospects are. The formula for success according to leaders in real estate is just "CLEAR" :

1- The 'C' stands for clash flow. Any real estate investment worth is salt should be able to generate cash flow. How much cash generates would of course vary and reflect factors like local rental trends, location, infrastructure, and how much the property costs you in terms of down payment, loan repayments, interest rates, taxes, and maintenance costs. Before you invest make a study of different properties, their costs, and rental potential.

2- The 'L' represents leverage. This is essential as the profit or loss on any property investment depends on initial investments. Study aspects of leverage this will help you maximize your property market foray.

3- The 'E' is equity and is based on aspects like discounted price; a potential fixer-upper; re-zoning potential; badly run down property; foreclosure case and so on. It is advantageous to buy into equity at less than full value. A good bet is a property where the seller agrees to a price reduction as work needs to be carried out.

4- The 'A' stands for appreciation in value. Buying a valuable property in an up-and-coming development means sure fire appreciation of investment. But this is very often a speculation or guess. Experts recommend a 10-20 year investment period rather than a quick return investment. Aim for a property that will grow at 5-7% and generate reasonable cash flow.

5. The 'R' represents risk which is a factor that can make or break your financial projections. Although many large investors do not pay heed to risk it is an important factor to be taken into consideration. Always evaluate risk in any investment and formulate an alternative " stand by" plan in case the property fails to appreciate. Think how can I recover my money, will renting solve the problem?

Investing in real estate is like playing the stock market, it is a gamble. Always learn about real estate investment and study the potential before investing. Never depend on real estate investments alone any financial plan should be rounded and have concrete back up plans and systems in place.

To be successful you must:

- Invest small amounts and not put all your eggs in one basket. Spread your investments wisely in different investment options choose dependable as well as risky avenues proportionately.

- Make a study of the market and trends. Read expert reviews and advice on real estate markets and trends.

- Locate an ideal investment and make a thorough study of the property its ownership, condition, zoning, and value.

- Think taxes, insurance, maintenance costs, and environment. The surroundings play a major role in property investment so be sure to study the area carefully.
- Create financial costing and projections for the proposed investment and get a professional to vet the property document.

- If you are availing a loan, determine which loan is the most affordable and whether the loan gives you any tax rebates or concessions. Always comparison shop for a loan.

Weigh the pros and cons before investing and above all trust your instincts. Invest wisely and property investments will yield good returns.

The Hot Adsense Alternatives!

If you haven't yet implemented Chitika ads on your site, you may be missing out on some extra revenue. I've been using Chitika at my other blogs for some months now, it works great for me.

Chitika is known to offer good returns but there's one drawback. Though anyone can apply for their programme, Chitika won't pay you for traffic from India, Pakistan and some other countries. That means if a site visitor in India clicks a Chitika ad, the site owner won't receive any benefit. Sites that primarily receive traffic from US, UK can consider Chitika as a good alternative.

Every Chitika's product is a new advertising product and these products give legitimate website traffic to advertisers and high Cost Per Click (CPC) rate to publishers. That is why publishers and advertisers interested to work with Chitika Inc.




The eMiniMalls Ad

The Chitika Eminimalls concept is exactly that - a very aesthetic minimall of a size you choose is displayed on your site and the site owner is rewarded each time a visitor clicks through on the Eminimall.

For some items comparison prices are displayed right in the mall - and if you know a little about trends in the marketplace - comparision shopping is proving to be a very successful way of driving sales.

What makes the Chitika eMiniMalls ads so irrestably clickable is it's visual appeal, content and functionality. Part graphical, part textual and part interactive, the eMiniMalls ad scarcely resembles a traditional banner ad. The lightweight eMiniMall "ad unit" presents viewers with options for whatever buying stage they happen to be in via mouseover tabs.

The effect is to pack a enough information inside the ad unit–product description, graphic, and review along with comparative shopping info and search box–that the potential buyer gets something useful without having to leave the site. The eMiniMalls ad gives a much more endearing user experience than static text links or graphic ads that fire off a quick sales pitch and call to action. With the mouseover tabs, the user doesn't even have to make the commitment of a mouse click to get some benefit.

Advertisers benefit by displaying their ads to a growing Eminimalls network.

There is even an affiliate program which currently pays 10% of the revenue of anyone that joins the program through the referrer. To be a part of the affiliate program you need to sign up as a publisher and you'll automatically become a part of it. So this is another way to make money if you've been rejected with google adsense. FYI it can be used with adsense too. Why don't you give it a try??

New X-Factor Video Released - Doesn't Cost Anything!

You've heard about the blogging phenomena making the rounds lately. And you've even though about setting up your own blog. But perhaps the biggest question you've had so far is: "What on earth shall I blog about?". But don't worry, you're not alone. And there's some good news for you as well.

Not many people know what they want to blog about when they're just getting started. And that's why Yaro Starak and Gideon Shalwick have just created a special X-Factor Strategy video that shows you how. If you're in any doubt as to what you should be blogging about, this X-Factor strategy video will get you off to a great start.

The video is an elaboration of one of the X-Factor strategies inside Yaro and Gideon's report - The Roadmap To Become A Blogger, which has already been downloaded 8,789 times in the last week!

It looks at a little-known feature of the social media giant Facebook, and shows you how to use it to your advantage and uncover multiple exploitable niche areas. You can watch the whole video, without paying a cent or even giving away your details, over here:http://www.becomeablogger.com

Getting A Personal Loan

If you are struggling with the thoughts of all that cash that you are going to pay for a good amount of time, then getting a personal loan may be like opening a Christmas present. If you can qualify for a personal loan without having to search for personal loans with bad credit, then you are lucky. There are not many lenders that will actually do a personal loan for those people with a bad credit history because of the risk that is involved. If you have bad credit, though, you are in luck because there are still many lenders that are willing to take a chance on you and will do personal loans with bad credit.

You should know what you are getting into with a personal loan. Unlike other types of loans, this loan does not require collateral. You don't have to sign over the title to your car or the deed to your house to get a personal loan. This means that the lender is taking quite a large risk with these loans because there is nothing to secure the loan if the borrower defaults.

If you need to find out if you can avoid a personal loan with bad credit, then fill out a loan application at your bank and have it looked over. They will let you know if you qualify or not and if not, you will be looking for lenders that do personal loans with bad credit. You will have to include information like your birth date, social security number, address, name, and a bit more. This is all required to check your credit and see if you qualify. They will also ask for proof of income as well.

They will want to see that you have a steady job and have been working in the same field for many years. It is always a plus if you have been at the same job for a few years. This helps the lenders have the confidence that you will be able to pay the loan back. If you do not qualify for the amount that you apply for, the loan officer might be able to offer you a smaller loan, which usually has a smaller interest rate.

If they do approve you, then the lender will give you a copy of your application, a promissory note, and a schedule of the payments and when they will be due. Sometimes the payments come in the form of a coupon book. It does not take very long to find out if you will be approved and usually you will know the same day.

If you need a personal loan to pay off your bills quickly, then you should start with your local bank. If they do not approve you, then you will be searching for personal loans with bad credit and you might have to consider a payday loan or cash advance to help you out.

Skip The Geek Talk And Just Get Things Done

I hope I'm not too late in getting this to you. Blogging gurus Yaro Starak and Gideon Shalwick has just opened the doors to their HIGHLY anticipated new coaching program. If you're serious about taking your blogging efforts to the next level, you really HAVE to check out this brand new program

Yaro and Gideon are masters at simplifying complicated "geek talk" and have put together an amazing new online video course based on their very popular Become A Blogger video series.

These guys dont muck around. They've already had close to 70,000 downloads for their blogging tutorial videos! And people from all over the world are raving non-stop about the success they're having after watching these amazing videos. But that's old news by now.

Yaro and Gideon have truly taken their online tutorial videos to the next level. Inside their new program, you'll discover:

- Clever tricks for getting top search engine results for your blog posts...

- Exactly how to get images onto your blog in the right format, size and shape...

- Easy-to-follow instructions for getting streaming audio onto your blog...

- "Hold-you-by-the-hand" tutorials for producing professional quality videos and getting them onto your blog quick and easy, without any hassle...

- Powerful content creation techniques for attracting hordes of daily new traffic to your blog...

- Simple methods for driving multiple streams of highly qualified traffic to your blog...

- Step-by-step instructions for making a consistent income from your blog using all the
latest social media strategies...

- And Much MUCH more...

Yaro and Gideon has been in the blogging game for a while now, so they know what they're talking about. For example, Yaro, the "strategy brain" behind it all, currently makes a six figure income just from blogging. So, I'm sure you can learn a few things from him. Go here to see what all the fuss is about.

Home Insurance Online

Getting home insurance quotations is a breeze, especially with the assistance of the Internet. Practically each and every single insurance company now has web site where you can go and request for home insurance quotations. However, the quotations that you will be able to get are only ballpark values of the actual numbers which can only be determined after a detailed appraisal by the insurance corporation.

The Yellow Pages is also a priceless place to contact agents and start your shopping. If you are the kind of individual who has a fondness for talking on the telephone, you can look up mediators in the Yellow Pages, call them up and get quotes from them. Only some problems with this option is that you will spend quite some time and might not be able to count on the character of the agent as would be the case if a trusted buddy referred you to them.

Most Insurance Corporations can give you more accurate house insurance quotes but you will generally need to pay a quote fee for this. To compute this figure, they will take into consideration your credit score , the location and conditions of the house you desire to insure. These homes insurance quotations are still subject to change although, depending on the expense options you wish to take the current insurance costs which constantly fluctuate.

Many companies present discounts for those who decide to purchase home insurance online. You'll want to check with the corporation you want to work with for any unique discounts.

There are some warnings when buying house insurance online. First, you will desire to make certain that you are working with a trustworthy company. There are loads of companies out there that are just obverses for fraudulent scams. Make in no doubt that you are working with a corporation that you can either buy from online or in person. If you're working with a corporation that is only online, check on their testimonials. And once you have completed that, you'll be able to purchase home insurance online with the assurance you need to begin life in your new house. Thus cross checking online companies can help you save your hard earned money. Lots of companies available online are frauds as they only miss direct the buyer.

You are recommended to have an excellent plan for such deductibles as you will have to offer this first before your house insurance supplier will complete its part.

Somewhere In The Stone Age...

Get it Here!