Although using gas rebate credit cards to save on gas is a smart decision and a step in the right direction, you should use them wisely. Making late payments and going over your credit limit will prove counter-productive in your determination to save money.
Credit card companies will not only charge late and over credit limit fees, but will also increase your annual percent financing (APR). By adhering to the following guidelines, you can avoid the pitfalls of being knee-deep in debt and in trouble with creditors that, unfortunately, many consumers fall into when using any type of credit card:
Most importantly, remember, the more you pay off each month, the better. Having to pay monthly interest will negate the positive impact of the gas reward.…
Are you one of these people that have become addicted to on-line gaming?
Do you relish in the thrill of being able to pit your skills, not just against an on-line game, but against a worthy opponent who is also on-line at the same time?
How about joining in an online tournament across the globe?
Have you become so finely attuned to online gaming, that anything apart from the latest, coolest, and most challenging games, bores you to tears?
Have you been to an Internet Café recently, and seen many of the booths occupied for ages while on-line games are taking place with much gusto (or perhaps you have been the one that was waiting ‘patiently?’ for your turn, or even trying to get in to send an important email).
Well, if you are one of these Gamers (do we have a word yet for an over-enthusiastic on-line games player?), do you ever have a pang of remorse about how much time you spend on this drug-like craze. No, of course you don’t, but check this out…
Would you believe that there are sites out there now that can offer you not just an opportunity for you to indulge in your favourite pastime, but also turn it into genuine money making home business?
Wow! Imagine that! When you get shouted at by your boss / partner for ‘wasting time in front of that screen’, you just turn round and say ‘but it’s my job…’
Imagine telling your boss late (i.e. you roll in at 10.30 am) on one Monday morning that you just can’t find the time to come to work any more… you’re too busy trying out the latest, coolest, and mind-challenging game to have a boring day time job any more. Anyway, you’re making more money with your favourite pastime…
If any of you are having a pang of conscience right now, forget it! The US Government, in a recent survey, stated that ‘short periods of high intensity, challenging games actually stimulate the brain, making productivity at work increase, not decrease’.
The point is, that this phenomenon has become so big, it cannot be hidden away. The ground swell for on-line games has become unstoppable, as more and more of us have a greater amount of leisure time, more and more of us are taking part in this activity.
Bear in mind, we are not talking about gambling here, we are talking about actual games that have a great deal of skill involved, not just luck as in ordinary gambling.
As an active Gamer, you will be aware of the vast amounts of information contained on thousands of Games Forums and Chat Rooms, and if you are not an avid Gamer, then the language you will encounter may take some translation (not just from spotty faced teenager, but also the granddad in the next booth to you!).
So how can you possibly make a home business out of all this? I mean, to meet the quite strict gaming …
In the book Think and Grow Rich, Napoleon Hill discusses the importance of sex in being successful. Published in 1969 and therefore written in the mid 60s, Hill has a conservative understanding of partnership being that the man is successful and the woman is his support person.
Napoleon Hill argues that the most fundamental power to thinking and growing rich is desire (chapter 1). He also recognises that from his perspective at least, men seek to please a woman. I liken Hill’s understanding of sex transmutation to charisma. Hill claims that sex drive creates desire in men and that it also creates a type of magnetism that puts that person forward as a leader.
Hill discusses a phenomena where when inspired by their first wife, the man is ‘irresistible and invincible’. However, when the already successful man puts aside his first wife for another, his success begins to rapidly decline. Hill concludes that sex influence from the right influence is more powerful than any substitute for expediency and therefore the best creator of desire.
So, in the 21st century 50 years after Napoleon Hill put forward his argument that sex influence from the right source is the best creator of desire, is this still relevant? Interestingly, women have a much different place in society and many not only continue to work after their first child, but they are required to keep up the dual income to support the family unit in the current economic climate. Women now have careers and are seen as so much more than support person. Anecdotally, successful people that I speak to are very appreciative of their partners and even though the partner may not work the business as such, the partner is an enabler of the success of their partner. So how does this work for women, who have less sex transmutation than males. Most certainly women still have charisma and women have charisma. Most of my heroes are women and they do show personal magnetism.
Hill gives five characteristics of personal magnetism:
1. The hand shake is confident.
2. The tone of voice is coloured, musical and charming.
3. The posture of the body – moves quickly with grace and ease.
4. The vibrations of thought are emotional.
5. Body adornment – style becoming of their personality, physique and complexion.
Apart from point number 1 where women sometimes do not shake hands, women very good masters of the other 4 characteristics of personal magnetism. Their voice is pleasing and melodic to the ear, they move with purpose and efficiency, they convey emotion and caring for others and they are very good at body adornment. Many women do shake hands. In some situations, women are more likely to embrace or to kiss on both sides of the cheek. So, the principle of acknowledgment and confidence that Hill saw in the handshake is expressed by women and men in other ways.…
So hot that it's actually distracting you from your workouts?
Be careful. If you're developing a thing for your trainer, you're headed on your way down a slippery slope. If you push it, you might end up in a situation that will turn out to be very uncomfortable for you both in the end.
Why do we so often fall for our personal trainers? Well, look at them! All too often, they are these attractive, dynamic, fit people who are going to help guide us into being the best we can physically be. Very often charismatic, personable and with bodies to die for, these hot looking humans can have sex appeal for days!
The up close, hands on, personal relationship we get to have with them only makes it that much easier to really develop a sexual and sometimes emotional attraction to them. Here's this hot guy (or girl) with his hands on you, in seriously close contact, giving you every ounce of his / her attention. The fact that you're paying for that attention somehow flies right out the window. In your mind, this is more than just personal training. It's starting to be just personal.
Laura, a single professional woman, who was about 30 pounds overweight, decided to take on sessions with a trainer at her gym to help her lose the extra lbs. She looked around and chose the fittest looking guy in the place, Rob, 6'2, 210 lbs of lean muscle, with a tight narrow waist, 8 pack abs and a smile that could melt the hearts of women and men alike. Laura soon found herself so into Rob that she began booking extra sessions just to spend more time in his presence.
She then began wearing sexier workout clothes to her training sessions, and in many not so subtle ways, she let Rob know that she was game for more than just exercise at the gym. Rob and Laura ever started having a fling, purely sexual on Rob's part, but seriously emotional for Laura. As the holiday season approached, Laura realized that she would not be able to pay for any more training sessions with Rob, as she had already spent a bit beyond her budget overbooking him. The moment she stopped booking with him, he dropped her completely, and began avoiding her at the gym, not even returning her phone calls.
Laura was devastated, and threatened to tell his boss that he was having sex with his clients, which she ever did. Well, it all ended up in a big nasty mess, and Laura soon stopped coming to the gym altogether to avoid facing the embarrassment and humiliation of the situation. Rob, being one of the top money making trainers at the gym, got a slap on the wrist, and then it was just back to business as usual for him. His female clients were always trying to get in his pants, and as far as he was concerned, he was just giving some …
The unemployment rates are still high globally, and this means that an awful lot of people have to consider what they can do to make ends meet. There has been a trend of entrepreneurship over the last two years that has been driven by the lack of trust in the corporate world’s priorities and a need to improve living standards due to increased costs. There are several options of small business options that are fairly easy to begin with little or no startup capital. Read on to learn what small business options exist for prospective entrepreneurs.
Beginning a cleaning serviced can be done fairly easily. If you like to work with your hands and appreciate a varied schedule, then consider this small business opportunity. Buying supplies from your local cleaning supply store can be done for less than $100.00 and the only thing left to do now is to get the word out.
Once you have researched the local cleaning rates, you can make up flyers on your computer and have them bulk copied at your local office supply store in bright colors. Hang them on your church billboard, at the local grocery and stores that allow for local advertisements. You may have to take the first few jobs at a slightly lower rate than you want, but once you get some regular clients and referrals, you’ll be able to request higher pay.
Virtual Administrative Assistant
Thanks to the web, the ability for people to work from home is recognized by new entrepreneurs every day. If you have basic office skills, like typing, dictation or editing, you can offer your services as a Virtual Administrative Assistant. Check out the rates for this business on sites like Craigslist or iFreelance to see what other people are offering and what they charge based on the job criteria. There is a lot of work to be had in this field, but realize that your business reputation, as it grows, will help you set your own rates.
Once you find a direction for your small business, be sure to check State and Federal government guidelines and regulations for your business type and file accordingly.…
We all love the idea of money growing on trees. We all want to find the quickest and easiest way to make money. With the massive growth of the internet, many possibilities for financial gain have emerged, one of them being online gambling.
So how effective is this? Can you really make money gambling on the internet? My answer would be yes and no. Your success at gambling online will very much depend on two factors:
1. What games you play.
2. Your level of skill at the game.
Whatever you do, ensure you avoid casino games. Always remember that casino games have a house edge, meaning that over the long-run, the casino will always take money from you. It's simply not worth it – they are designed to guarantee that you lose if you play on a regular basis. Also bear in mind that it is incredibly easy in this day and age to upload more funds via credit card, so be wary of the addictive factor too.
This is why I would recommend a game of skill, such as poker, if you wish to make money gambling on the internet. Poker requires more skill than it does luck and, unlike casino games, will see you make money over the long-term, so long as you have developed the skill to play. Many poker websites are planned by poor players – "fish" – who have seen poker on television and fancy playing a few games themselves. Your aim is to be better than these guys, simply by practicing established strategies and fine-tuning them until you find you are winning more money than you are investing.
However, with all that said, I think there are better ways to make money online – and they do not require you to put a stake down to try them. Instead of investing your money in a playing fund, invest your money in a good ebook on blogging for cash. Instead of investing your time into learning gaming strategies, invest your time into learning all you can about blogging for money. Instead of gambling, invest your time in building blogs and monetizing them.
Ultimately the aim is always the same – to make money online. If you wish to try make money gambling on the internet, you're more than welcome to try; just ensure you choose the right game. If, however, you're just interested in the financial …
Saving money is basically just setting aside a percentage of current income now to create a financial hedge or surplus for use in the future.
Cash accumulation methogs come in many different forms. Additionally, there are several reasons that people choose to save. However, your method for saving should be based on what you plan to do with the money in the final analysis.
1. Petty Cash Savings Accounts. When saving for just a high ticket item or for a minimal amount of time, or to accumulate an funds as a surplus against emergencies, a passbook savings account is the best method. You should dump bloated items that steal your cash, so that you can sock away at least $1000 into what I call a Rainy Day or Lean Fund. The reason you want to put this in the bank is because it is basically liquid. You can get it very quickly without going through much trouble.
This type of account is only good for short term money savings. You have flexibility with it. You can deposit and withdraw money to your account and earn interest, based on your average daily balance. The interest gained will be very low though because it is not a wealth accumulation vehicle.
If you make a mistake and use more money then what is currently on deposit in your account the bank will charge you an insufficient funds fee as high as $40 per occurrence. The bank will sometimes forgive your error and return this fee if you ask them to. They won’t do this for you every month though.
2. Checking accounts that bear interest. The best aspect of having this type of account is the ease of use it offers. You get to transact your daily business through this type of account and earn a bit of interest at the same time. That’s a twofer. Generally these types of accounts come with a host of other privileges like checks, online bill payment schematics and Visa and Mastercard based debit cards.
In order for you to not be charged a monthly fee to maintain this account you typically must maintain a daily balance as high as $2,000. Should you be neglectful of this account and become delinquently overdrawn with the bank, you will be reported to ChekSystems. A report to ChekSystems will mean exclusion from having a checking account with virtually every American bank or Credit Union for up to five years or longer depending on the severity of your account abuse.
3. Secured money market accounts (MMA). These accounts are backed by the Federal Deposit Insurance Company and are not as quickly accessible as your general savings or regular petty cash savings account. If you don’t need access to this money as much as the funds in your savings account then this is the way you want to go. It offers more return on your deposited dollars but you won’t be able to run down to the local ATM to make a …
With the Internet, people can now work successfully in the comforts of their own home. The only thing that you need to know when you decide to do a home business is that you have to follow your passion and capitalize on the things that you are good at.
In a time when a lot of companies are shrinking their work, getting (and even retaining) a regular job is becoming harder by the day. So, it may really be a good idea to try out home business. Many people have already tried working from home and realized that it can be lucrative, particularly if you find the right type of business that fits your personality and interests. If you do not have any idea on what type of business you can do at home, read on and find out.
Providing services to people in your community is a viable home business. If you are good with kids, you might want to consider setting up a daycare in your own home. Many parents prefer bringing their kids to small home-based day care centers because their children get more personalized care. However, before you set up a day care, you bought to know the regulations in your area. Other types of services that you can provide include dog walking or pet sitting, plant caring, and even home cleaning.
If you are comfortable with the Internet, then you can tap the World Wide Web to look for home business opportunities that are both lucrative and fun. The key in learning a lot on the Web is having a skill that you can market. If you know something about web designing, graphic design or article writing, then you can offer web design, desktop publishing and web content writing as freelance services. The good thing about freelancing is that there are many sites on the Internet where you can sell or advertise the services you are offering.
Thanks to the Internet, accounting and many office tasks can now be done online. This means that you really do not have to leave your home just to work as an office assistant, secretary, or bookkeeper for a certain person or company. If you have extensive experience in office management, you can be a true assistant to as many people as you can handle. Meanwhile, if you have accounting background, you can accept bookkeeping or auditing services. Another home business that you may want to delve into is business coaching or online marketing, particularly if you have an experience in these fields. …
There are proven steps that will guarantee that you get affordable health insurance quotes. We'll take a look at fail-proof steps in this article …
1) Adjust your lifestyle. There are lifestyles that will make it difficult for you to get affordable health insurance. If you do not exercise regularly you'll put on weight much more easily and then become an easy target for certain diseases.
If you also use tobacco products you increase the risk associated with insuring you. Smokers and other tobacco users are more susceptible to many diseases. Adjusting your lifestyle in such matters will help make it a lot easier for you to get affordable quotes.
2) Ask for higher deductibles. The higher your deductibles the lower your rates. However, make sure your deductible is within easy reach. You'll be expected to pay it first before your insurer will make out any payment.
3) Get a plan that is suitable. Although this may not lead to more affordable health insurance for many, it will for some. This is especially true if you're young and healthy and rarely ever need to see a doctor. In such a case, it will make perfect sense to leave more expensive plans and opt for more affordable plans like catastrophic health insurance. You'll be covered against sudden illness and injuries and you will not be paying for coverage you do not need.
4) Visit at least three quotes sites and obtain quotes from each of them. Make sure you input the same details in all of them. Compare the quotes returned and you'd have some of the most affordable health insurance quotes to choose from. …
If you want to be successful at marketing your tile business, you will need to turn to the internet as your marketing solution. Thanks to the fact that most people will search online before leaving their homes to make a purchase, you will find that your tile business can have a huge advantage over your competitors if you can turn to the internet for marketing.
There are many ways that the internet can help you market your tile business. The world of internet marketing is fast becoming one of the most competitive arenas in the world, and you will find that you will have to do a good deal of work in order to market your tile business online. However, if you are willing to do the work, you will find that marketing your tile business on the internet is the best thing that you can do for your company.
Step 1: Build a Website
The first step that you will need to take to begin marketing your tile business on the internet is to create a website for your company. You can have a simple website created, as it will just be the face of your company. If you want to truly succeed, you will find that a more advanced website will be advantageous and will help you to market your website more effectively.
The reason that a more advanced website will be more effective is that more people will be enticed to visit your website. The more people you can attract to your website, the more advertising you will be able to achieve. There are many aspects of your website that will lead to your success online, but nothing will be more important than having a website that is constantly being updated. The best way to have the ability to add new information to your website is to create a blog on your website. If you can post informational articles related to your tile business, you will be able to generate more traffic that will direct people to your site. The more people that visit your site, the more likely you are to receive customers.
Step 2: Internet Marketing
Once you have built your website, you will need to start trying the various techniques involved in the internet marketing game. There are hundreds of techniques that you can try, but here are some of the techniques that will be most effective in leading customers to your website:
Social media marketing is one of the most effective internet marketing techniques, and you can start driving traffic to your site through Facebook and YouTube. Facebook is the largest social network, and you can tell all of your friends about your website. Ask them to mention it to your friends, and you will start driving traffic towards your website. YouTube is a great place for you to post videos, and you can post some instructional videos on how to lay the different types of tiles effectively. Insert a link to your …