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Exploring the world of water and infusion drinks can be a full-time job; I soon learned this when venturing forth to finding the ultimate water experience. After finding a coworker guzzling down yet another bottle of Smartwater and ensuring me that it had truly made them smarter and focused, I committed an entire weekend to staking out the possibilities. Smartwater is a line by the Glaceau brand that offers electrolytes and balanced minerals in a snazzy bottle. Intrigued by the variety of brands and combinations available on the market today, I though it wise to explore the details. After careful evaluation, I settled upon a new scientifically-based concotion; Jana Skinny Water.

Jana Skinny Water comes in a handy 16.9oz. bottle, and offers 100% natural ingredients including calcium, and garnicia cambogia extract in an artesian water base. And what’s the ‘Skinny’? Since Jana Skinny water is infused with minerals and a hint of lemon, it also provide the benefits of garnicia cambogia. It’s patent pending ingredient, “Hydroxycitric Acid ( “Super CitriMax” )” is the feature of the water, as it extends the benefits of the herbal extract. After a little research on garnicia cambogia, it turns out that this herb is often used in dieting and weight loss aids. It is derived from a native plant of India, and is a an acid found in the fruit and rind of the tropical tree’s fruit. Ancient Indian folk lore uses the herb for a variety of medicinal purposes including helping with rheumatism. North American studies report that the extract helps to suppress appetite thereby supporting weight and fat loss.

I’m skeptical as to the long-term results of consuming this extract and the water on a regular basis, but Jana Skinny Water does provide a citrus-infused water alternative, with an obvious potential for fat loss combined with a low fat diet and exercise. Although I doubt it will be a miracle drink for helping a struggling diet, it does provide the natural properties of artesian water with a burst of flavor that can encourage a higher water intake. The addition of calcium and minerals helps to make Jana Skinny Water a good choice for the health-conscious consumer.

Jana Skinny Water is available in many health food and grocery stores, but most easily on Amazon.com. The appealing bottle and classic packaging by Creative Enterprises, offer another fine brand to the lineup of sports drinks and beverages on the market. The brand is a line from Jamnica, the largest manufacturer and distributor of bottled water. It reportedly produces 300 million liters annually It is very popular in Europe, and may encourage increased consumers in the U.S.

Internet Marketing Expert

Be a part of John H. Lee‘s network!

So you have decided to start a business, well don’t that’s the first step to actually starting and running a business over and done with, now comes the tricky part, deciding what you want to do. This article is not going to tell you what to do, it is not even going to provide you with business ideas. It is though going to help you work out what you want from a business, what you want to achieve and so on.

So if you are ready for the next step in making your dreams come true carry on reading.

Firstly, you need to decide what it is you want from a business?

Do you need to top up your income, do you need to replace an income, do you need to bring in some money to pay for college, the children’s education and so on. Establishing what you want from a business is one of the keys to success. If you don’t know what you want from the business, you will never achieve success. Write down what you would like to have, and what you need to have from the business. For example you would like enough money to live off, but for now perhaps you just need enough money to cover the bills.

Secondly, you need to decide how much time can you give this business,?

Is this business going to be a full time business, a part time business, a seasonal business or perhaps even a weekend business. Deciding what type of type business yours will be will help you further establish what type of opportunity you might want to start up and so on.

Thirdly. What do you want to achieve?

For example do you want financial freedom, do you want money to pay off debts, money to pay off your mortgage, money to go on holiday, personal sense of achievement and so on. Deciding what you want to achieve from a business is crucial, or else you will not have the passion, energy and desire to actually run the business and make it a success once it is up and running.

Lastly, What do you enjoy doing?

What are your hobbies, what do you like doing in your free time, what do you wish you got paid to do and so on. There is really no point in starting a business in something you don’t enjoy, as it will never be a success. You cannot just do something for the money, it will never work, and it will certainly never get you up in the morning.

So there you have it, 4 steps you can take now, to discover and decide what type of business you want to start and run. Good luck with whatever you decide.

Electronic Cigarette, eCig

Why is Electronic Cigarette, eCig safer?

There is now a new way to smoke which is the electronic cigarette. This new cigarette is up against much controversy as it has not yet been approved or even classified by the FDA. Those for the electronic cigarette have their viewpoint and those against have theirs. Here is a basic run down of both sides.

Those for the electronic cigarette have begun to label it as green smoking. Green has become such a buzz word lately that everyone is trying to capitalize off of it. According to Electronic Cigarette Tavern the electronic cigarette is green as it does not emit smoke or carbon dioxide. The electronic cigarette uses heated vapor to release nicotine.

The Electronic Cigarette Tavern further states that the electronic cigarette is good because it does not use tobacco. The elimination of tobacco eliminates the combustion process of tobacco which is “lethal” and the electronic cigarette removes the chemicals from tobacco and is “far less unhealthy”.

The ease of use of electronic cigarettes is what Njoy E Cigarette Solution would like the consumer to realize. Without the smoke caused by tobacco Njoy E Cigarette Solution posits that you can now smoke in bars, the workplace and on airplanes.

E Cigarettes Choice markets the electronic cigarette as a great money saving option and says the “decision is easy to become and instant modern smoker.”

The electronic cigarette companies are even adding flavors to their cigarettes to make smoking more fun. You can now inhale your nicotine and enjoy the taste of strawberry or chocolate.

On the opposite side of the controversy come the findings from the FDA. According to the FDA the electronic cigarettes contain “carcinogens and toxic chemicals such as diethylene glycol, an ingredient used in antifreeze.” Electronic cigarettes have not been submitted to the FDA for official approval and therefore have no FDA warnings on them.

According to the Wall Street Journal, there is an ongoing battle in the courts at the moment for the FDA to have the power to regulate the electronic cigarettes as drug or drug administering devices. At the moment the FDA has regulations over nicotine lollipops and patches but not electronic cigarettes. The FDA and others are worried that the electronic cigarettes do not have a firm control on the nicotine in the electronic cigarettes and can lead to hazardous health affects.

According to a CNN report on March 13, 2009 by Danielle Dellorto the fight is over the Cancer causing smoke. The electronic cigarettes remove the smoke from the smokers lungs and from those around them. People feel as if it does not cause cancer then go ahead and do it. Manufacturers of the electronic cigarettes are not sure of the side effects but they are “pretty sure they are safe.”

The health effects of nicotine addiction according to the Mayo Clinic are as follows: addiction, anxiety, irritability, mood swings, depression, anger, hunger, insomnia and constipation. According to a report in the New York Times Health Guide from May of 2010 Nicotine poisoning can result in shortness or stopping of breath, coma, convulsions, fainting, rapid heartbeat, high blood pressure and vomiting.

It appears as if not enough is known about electronic cigarettes or nicotine overdose caused by electronic cigarettes yet to have this product sold so prevalently. More research will come out and hopefully before kids get addicted to bubble gum tasting electronic cigarettes.

Sources:

http://www.electroniccigarettetavern.com/

http://www.ecigarettesolution.com/

http://www.ecigaretteschoice.com/

http://www.fda.gov/NewsEvents/Newsroom/PressAnnouncements/ucm173222.htm

http://online.wsj.com/article/SB10001424052748704022804575041131258830988.html

http://www.cnn.com/2009/HEALTH/03/13/ecigarettes.smoking/

http://www.mayoclinic.com/health/nicotine-dependence/DS00307/DSECTION=symptoms

http://health.nytimes.com/health/guides/poison/nicotine/overview.html

DISCLOSURE OF MATERIAL CONNECTION:
The Contributor has no connection to nor was paid by the brand or product described in this content.

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I love many Bath & Body Works products and when I spotted Bath & Body Works Pleasures Country Apple Body Lotion, I immediately wanted to try this lotion out and write a product review all about it. Here is what I discovered!

Bath & Body Works Pleasures Country Apple Body Lotion can be ordered from the bathandbody.com web site. This beauty product usually costs around nine dollars and fifty cents. Right now, Bath & Body Works is having a great sale, as they do, from time to time. This product can be found for five dollars on sale. For that price, you get an eight fl. ounce bottle of lotion. This body lotion is a beautiful color. It is rose pink and gorgeous.

I discovered that this body lotion is very creamy and thick! It has a wonderful spreadable quality to it that makes it a delight for me to apply! It has an attractive bottle that lets you see the delightfully pink colored lotion inside. There is an easy flip open cap that dispenses this lotion in ribbons that are silk like and very nice, it makes it easy to get the right amount of body lotion to apply. I liked the packaging of this product very much! I found it to be very high in quality!

Bath & Body Works Pleasures Country Apple Body Lotion is part of the Bath & Body Works signature collection classics. That means that this is a very popular fragrance of body lotion and it is favorited by many Bath & Body Works customers! The word ” pleasures ” describes this body lotion perfectly, in my opinion! This product was a pleasure for me to try! Pure pleasure. This fragrant body lotion has a delightful country apple smell! I loved the freshness of this clean apple fragrance. It is a bit strong, but after wearing for an hour, it mellows into a great subtle country apple smell that I enjoyed wearing very much. You must love country apple fragrances to use this lotion! If you do, it will delight you with it’s lovely scent.

The combination of ripe apples and blossoms make this lotion a joy to smell! Not only did it leave my skin with a wonderful fragrance, it softened, moisturized and smoothed my skin, also. This lotion pampers my skin and my senses and I loved it! It has ingredients like conditioning aloe vera, protective grape seed extract and nourishing vitamins like vitamin E and C! Wow. What a lotion. A lovely scent and skin softening, all in one beauty product. There is also a body splash, shower gel and body cream available to go along with this lotion, in the same fragrance. I have not tried them yet.

I was absolutely delighted with Bath & Body Works Pleasures Country Apple Body Lotion’s performance, on my skin. It left me sweetly scented and soft! I rate this product four stars out of five stars. I will be buying it again. Just be aware that it is strongly scented with a country apple fragrance. If you like that body scent, then you will like this product! It also makes a lovely gift to give to an apple scent lover! This lotion is affordable and easy to find. Just visit the bathandbody.com web site for more information. I enjoyed using this lotion and writing a product review about it! I discovered that it is a fun beauty product that works well! This scented skin care lotion is a winner!

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Barry Wilfahrt, the former executive director of the now-defunct South Dakota Inventors congress, tells of an invention that ruined a long-standing, reputable company. The company decided to diversify by adding an independent inventor’s creation to its line of products. The invention injured someone who sued, bankrupting the firm. “That was the end of the 100-year-old company,” says Wilfahrt. The moral of the story: No matter how ingenious the invention, if it spawns a liability claim as a result of an injury, everyone associated with that invention (the inventor, manufacturer and licensee) may end up in bankruptcy court.

Liability insurance and the underwriters who offer it provide a “life preserver” in the event of such problems. Unfortunately, finding suitable liability insurance isn’t all that easy, according to Alan Tratner, founder of Inventors Workshop International, an inventors’ networking organization. In fact, he says, the inability to obtain liability insurance keeps many inventors from getting their products to marketplace.

Tratner contends liability insurance brokers are often unwilling to deal with independent inventors, not so much because of the risks associated with new inventions, but because of the time-consuming nature of giving price quotes to inventors who never bring their products to market. Thus inventors are often hard-pressed to find a broker who will take the time to research insurance for them – -no matter how serious the inventor is about getting his or her product on the market.

One insurance broker in Canoga Park, California, disagrees with Tratner. He says that provided an inventor has the money to pay the premiums “insurance is available for just about any product.” But therein lies the central deterrent: cost.

“With all the costs involved in starting a business, insurance is something inventors mentally set aside until their product is successful,” the agent adds. Inventors don’t want to shell out large amounts of cash to insure a product that may not even make it in the marketplace.

Nevertheless, product liability insurance may be something you can’t do without. Often, manufacturers refuse to deal with inventors until the proper liability insurance has been secured.

MAKING A DEAL
While liability insurance may exist for every product, the trick is to find a company willing to insure your particular product at a price you can afford.

More than 15 years ago, Steve and Barney Jankowski of Pittsburgh invented “Close Tight, a device that uses a system of strong, woven panels, secured by Velcro fasteners, to enclose outdoor scaffolding on construction sites. Construction companies normally enclose scaffolding with plastic, but this often rips. Close Tight panels, on the other hand, are durable and reusable.

Unlike many new inventors, the Jankowskis sought liability right from the start, but didn’t have much luck at first. Price proved the major hurdle. They received quotes as high as $25,000 for liability insurance, but finally they found a company that provided liability insurance for just under $2,400 per year. For that price, both the product and the company were protected from lawsuits stemming from injuries associated with their product, or even from accidental damage to clients’ property. Almost all inventors insure their product and their company for liability because if a customer is determined to file a lawsuit against your product, he or she is just as likely to come after your company.

FINDING A BROKER
When you are looking for an insurance broker, don’t let your fingers do the walking in the telephone directory. Instead, ask around for referrals, or ask other small-business owners who handles their business insurance.

Before you approach an insurance representative for liability insurance, you should be aware of certain terms. An insurance “agent” generally represents on company. An insurance “broker,” on the other hand, represents the client, and deals with several insurance companies. Once you describe your invention to a broker, he or she looks for a suitable company to insure your product.

If you have a highly-specialized or unusual product, ask the broker if any insurance companies specialize in your field. Cost is directly related to an insurance company’s knowledge of a product, so finding an expert could help you obtain insurance at a more reasonable rate.

The price of liability insurance fluctuates according to the subjective evaluations of insurance underwriters solely on the likelihood of your invention causing them a lawsuit. The greater the likelihood of a lawsuit, the higher the risk, and, invariably, the price of insurance. Now you can see why it’s vital to choose a broker who takes the time to become familiar with your invention.

PASSING THE TEST
When you visit a broker, you’ll be asked a series of questions that gives the underwriter a basis for evaluating your product and the risk to them. Some of the questions you may be asked include:

Who will manufacture your product? If you plan to manufacture your invention overseas, be aware that the money you save in manufacturing costs may have to be spent on additional liability insurance. This is because, should your product be named in an injury lawsuit, the injured party cannot collect from a foreign market. Instead, he or she must collect the entire sum from your insurer.

What claims are you making about your product? The Jankowskis were careful not to make any claims saying that they product increases a construction worker’s safety. They discovered this would increase their liability insurance drastically. Instead, they emphasized that the product could be reused many times.

Has your product been independently tested? The Jankowskis presented their broker with specifications on strength given to them by their manufacturer. They also included the manufacturer’s warranty.

Liability insurance is costly because there are many unknowns connected with inventions. But in today’s litigious society, liability insurance should be a basic part of your budget as long as your product is on the market.

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Parallels Plesk Billing formerly known as ModernBill is a billing system used by web hosting companies and professionals. ModernBill (Parallels Plesk Billing) promises to offer automated billing and easy web hosting management of customers and invoices. When starting a web hosting business you will need a billing processor for PayPal and credit card payments. ModernBill (Parallels Plesk Billing) is just one of many billing products available to web hosting companies.

As a web hosting professional with seven years of experience in the industry, I have used ModernBill (now known as Parallels Plesk Billing) for automated web hosting billing for almost three years. During the time of use of this billing program, I have gathered information that ModernBill (Parallels Plesk Billing) may not be a good solution for web hosting billing and customer management. Here are several reasons why ModernBill (Parallels Plesk Billing) may not be the right billing solution for your web hosting business.

ModernBill (Parallels Plesk Billing) is beautiful to look at, but hell to use. I must admit, the first time I opened up a version of ModernBill (Parallels Plesk Billing), I was taken away by the smooth 2.0 web look of this billing system. It has beautiful graphics and small design touches that make it pretty, however those same graphics can take a very long time to load.

On client side, images can take a longer time to load because of customer's internet connection. While your web hosting client may be an inexperienced online user, they can be frustrated with using ModernBill (Parallels Plesk Billing) and the time it takes them to process an online payment. If a web hosting client grows dissatisfied with the billing system they will complain to you, their web host, and you will have to compensate for it.

It takes magic to install ModernBill (Parallels Plesk Billing). In all seriousness, an individual with a background in server management and web hosting knowledge is unable to install this billing program without help. As a customer, I have raised my dislike of the installation process and initial setting changes. The instructions can often be confusing and initial settings seem to be scattered. Several times I was left having to go back into administrative settings and make changes such as business name, or invoicing options. These changes were done after ModernBill (Parallels Plesk Billing) was up and running for months, and some customers received invoices with ModernBill (Parallels Plesk Billing) as the company name instead of MyBusiness name. It is embarrassing for web hosting companies to have to deal with this, because such settings should be done at the initial installation and the system should save all options at the initial setup stages.

ModernBill (Parallels Plesk Billing) is setup right but it is not working right. In three years, I had to raise several support tickets and even seek help throughout the web hosting community. The most frustrating part would be that ModernBill (Parallels Plesk Billing) would have so many bugs and glitches. The automated system can stop suspending overdue accounts, or may leave a web hosting account on the server even after that customer has been removed for ModernBill (Parallels Plesk Billing) billing system. Credit card processing in ModernBill (Parallels Plesk Billing) can stop automatically processing charges on customer's due date. Even though it would be setup to run in the middle of the night, ModernBill (Parallels Plesk Billing) would not process credit card charges and I would have to do so manually.

ModernBill (Parallels Plesk Billing) required cURL to run, which is a command line tool used by programmers. On one of the servers I had ModernBill (Parallels Plesk Billing) setup, it would constantly display cURL errors for one installation of this billing software. Yet the same exact setup of another installation would work completely fine, without a cURL error.

Invoicing and payment system setup in ModernBill (Parallels Plesk Billing) is also confusing. It can be difficult to setup when ModernBill (Parallels Plesk Billing) team inserts language that is not common for web hosting professionals. Sometimes, due to bugs, settings you have chosen in invoices can somehow disappear and customers can be billed or double billed. In one instance, customers were billed as soon as invoices were generated instead of being billed on anniversary dates (due dates). This is so embarrassing when web hosting customers submit helpdesk tickets and blame you for overcharging them.

ModernBill (Parallels Plesk Billing) will let you buy hosting, but not a domain name.
This was one big issue I had with ModernBill (Parallels Plesk Billing). It would allow customers to purchase web hosting plans, or packages with a web hosting plan and a domain name. However, it would not allow customers to purchase a domain name only. When I raised concern in ModernBill (Parallels Plesk Billing) support forums, I was told that ModernBill (Parallels Plesk Billing) is a web hosting billing system, therefore it is made for web hosting plans only. Excuse me, but a web hosting plan has to have a domain name. It completely beats the purpose of providing a customer with a web hosting plan but not giving them the ability to purchase domain names.

This particular issue caused me to process domain names through another billing system, which often confused customers and sometimes upset clients. Again, the web hosting professional has to take all the blame and explain why ModernBill (Parallels Plesk Billing) is now allowing purchases of something as simple as a domain name.

ModernBill (Parallels Plesk Billing) and eNOM do not get along. ENOM is a domain name provider, and as a web hosting provider you can become a reseller of eNOM for domain names. This is a great tool for web hosting professionals, as they can offer additional services to customers and earn extra money off of domain name sales. However, ModernBill (Parallels Plesk Billing) will try to sabotage your attempt at registering domain names through Enom.

Customers can use the domain name lookup tools in ModernBill (Parallels Plesk Billing) to see if domain names are available or the public WHOIS information (WHOIS is a public tool which you can use to see who registered the domain name in question).

ModernBill (Parallels Plesk Billing) often gave false information, such as saying a domain name was available to be registered when it was already taken. Customers would get their hopes up, or try to process orders and pay. I would then have to deal with upset customers who paid for a domain name that was not available.
The billing system would often hang during eNOM registration process. It was so slow that at one time I completely stopped using it. It was faster for me to go directly to eNOM website and process domain name purchases manually, which completely ruined their "automation" promise.

ModernBill (Parallels Plesk Billing) support can be called terrible and non-existent. Web hosting daily operation is time consuming. A lot needs to be done to take care of customers and provide quality services. Dealing with billing issues because of ModernBill (Parallels Plesk Billing) bugs takes away the time you can spend making clients happy and earning money. Constantly making sure invoices are being paid correctly and that the system is functioning really ruins your daily operation.

When seeking support from ModernBill (Parallels Plesk Billing) it can take days to resolve emergency problems. Being completely out of billing system for days during this emergency can ruin your sales, because no new orders can be processed and no invoices can be paid. Customers can grow upset because they cannot purchase additional products or they are unable to resolve a billing issue.

ModernBill (Parallels Plesk Billing) support team has given me plenty of headaches. Sometimes, I would receive a reply that was a question. Sometimes, that reply would be to the point of ridiculous, such as asking me what my billing link is. Not only does my billing profile provide the registered and licensed url, but also my helpdesk ticket would require me to fill in this billing link. Also, my ticket information would hold billing link information and even administrative login.

The support is absolutely terrible, and sometimes they will even ask to bill you in order to resolve a ModernBill (Parallels Plesk Billing) bug. Additional billing became quite common at one time, where customers were charged for 15 minutes of technical support or an hour of support. These billing charges were to fix existing and known bugs, instead of providing actual fixes that would completely remove the glitches from their billing system.

Upgrading ModernBill (Parallels Plesk Billing) would often break the entire system, causing havoc or requiring support. At one time, I was told by a support staff that the reason why ModernBill (Parallels Plesk Billing) was so excruciatingly slow on my server is because that server was full. Meaning it had too many web hosting accounts on it. The server in question had only one account on it, for the sole purpose of running ModernBill (Parallels Plesk Billing) web hosting billing system. Staff member was obviously wrong, and information given was incorrect.

Overall, after three years of trying to make this billing system work and dealing with complaints from customers, I gave up on ModernBill (Parallels Plesk Billing). This web hosting billing system let me down way too many times, and took too much time away from me. In the end, it was not worth keeping a bad billing system that only frustrated me and my customers.

Web hosting companies can grow quickly in size, with thousands of customers to manage and process in billing. ModernBill (Parallels Plesk Billing)'s billing solutions have several ongoing problems that make it difficult for large web hosting companies to run their daily business.

When choosing a billing system for your web hosting business, my suggestion would be to not try ModernBill (Parallels Plesk Billing) and look for something that can actually function on a daily basis.

Sources:

Personal Experience

www.modernbill.com

www.parallels.com

How to Make Money Online in 2014

CLICK THE IMAGE BELOW FOR MORE INFO…

 

Click the link to learn to make money online in 2014

If you are reading this article it is very likely that you have, at some point, searched for the phrase ”how to make money online free” or some such thing. How do you really make money online free? Does such a thing exist? Absolutely not. Well, it depends. What is ”Free”? No money invested?

If that is your definition, a very loose labeling of the make money online free get rich quick quick/slow fad, then yes, you absolutely can make money. Online. For free.

But, if you consider hard work and perseverance and endless nights of tweaking code and cleaning up broken links and lugging a laptop around everywhere you go to be ”not free,” then you have a different tale altogether.

The rewards that the make money online free business model offer are predicated upon, and directly proportional to, the effort put forth. The harder you work, the more money you make. Online. For free. Propping up a bare bones site with some affiliate links and the title ”How To Make Money Online Free With MoneyMan” will not get anyone wealthy. And it’s a poor plan for making more than $10-$50 a month unless you invest money, which goes against the entire principle of the how to make money online free concept.

The basic steps to a realistic, long term online money making strategy are as follows. Examine yourself. Be harsh. What can you realistically do to earn enough money to stay home full time? There are a number of basic skills and situational requirements required before you can actually earn a living online.

Can you write, draw, make cool videos, or convince hot, young girls to pose for you? Are you a musician, DJ, or producer? Make an inventory of your skills and decide what you can actually make an income with. Remember that you are playing to a global audience; Your landscaping business is not a valued commodity.

What about your living situation? How much do you need to pay the bills? Can you rent out your house and live in Mom’s basement while you get started up? Can you use less electricity by unplugging the fridge, or confining climate control to one area of the house? The amount you earn at first in relation to your efforts will be very low, and you will benefit from having less to pay out. Suffering now and roughing it will pay big dividends later. If you can’t realistically earn enough to pay the bills, you will very likely fail, as you can’t make a dime without a home, electricity, an ISP, so forth and so on.

Research. Find your talent and research it. If you’re psychic, find a way to get paid for it. If you are a writer, find a way to submit your content. Start by Googling your niche and examining the sites that come up, remember that on the internet, your competition is your ally. Their information is ripe for the taking, as you can view the code used to build any website in any browser. Never plagiarize, but always take notice of the best parts of what you see and make a note of anything that seems like fat that can be trimmed. Too much clutter on your site will kill you, so keep it simple and elegant.

Work! Not even kidding. Find your talent, learn to market it, and go to work. Don’t stop. The more content you generate, the more surveys and articles you submit, the more you put your face out there, the more successful you will be. This is almost like saying ”Arrive early and stay late.” Work. Real. Hard. This is the best advice your grandfather ever gave you.

Once you get started, you will find that you stumble across a lot of people with strategies similar to your own, with a tremendous amount of ideas and information that you can use on your quest for wealth. The problem with making money online sites is that many of them are just shams.

Wading through affiliates and long winded advice on how to write articles is time consuming and not profitable. Obviously, you want to begin earning immediately if at all possible, so find a few good resources that contain most of what you need via links or onsite content and bookmark it. Many good sites have more data than even you could ever assimilate, so just focus on one thing at a time and don’t wander off until you are done.

The best way to check out scams and programs is to google the name of the program and see who has complained about it and who has raved about it. Weigh the results carefully, and remember that on the internet, people are often engaged in subterfuge and will sometimes plant people in forums to promote their products. Take all this information with a grain of salt. If you see more than three or four people complaining of an identical problem, it is probably a legitimate concern.

Always keep in mind that there isn’t any one single way to earn money online. Diversify as much as you can, incorporating many niche type sites and services in order to cast your net as wide as possible, but remember not to stretch yourself too thin over too many projects. You have to maintain all the blogs and sites forever, and the list of chores grows everyday. Focus on the programs that make you money, and spend your spare time fooling with new programs and experimenting with new niches that seem profitable.

There are several blogs and sites that chronicle the rise to success of online money making strategies, from startup to current, and actually give earnings and traffic information to date as well.

At JCM’s 15,000 Dollar Mission, the author gives a detailed blow-by-blow account of his efforts as a brand spanking new blogger to earn 15,000 dollars by using free money making sites and blogs. His talents include art and he has earned over 900 dollars in commissions for artwork
alone.

Other sites that follow the efforts of neo-pro bloggers include Make Money Online Free With MoneyMan, and Mike’s Money Making Mission. Mike’s talents seem to involve giving hyper detailed accounts of celebrity gossip, and he centers one of his sites around this particular niche with apparent success. These links are included here for their fresh and honest look at a newcomer’s approach to pro blogging and the wide eyed, nothing to hide style in which they are written.

While this is in no way a comprehensive guide for the entire industry, it is a good starting point. The central requirements to realistically making money online are research, diversity in your strategy (don’t put all your eggs in one basket), niche topics, hard work, and perseverance. It is entirely likely that your first attempts will be met with complete and utter failure. This is absolutely normal, and you are in good company. Everyone fails at first. Everyone.

Picking yourself up and getting back on the horse is your only option if you intend to succeed. Learn to overcome your own self doubt, make tenacity your byword and do not ever let a day go by without generating some type of content or product that will benefit your online money making strategy.

How to Get the lOwest mortgage rates texas

Where to get the lowest Mortgage Rates Texas?

According to an article in USA Today, a report to be issued today indicates that, among business economists, “subprime mortgages” are considered the greatest risk to the financial markets. They are, however, in good company, as “hedge funds” and new forms of credit card lending without traditional credit history checking are raising concerns.

Riskier financial strategies have been making the news lately, as “hedge funds,” described as “eclectic” in their strategy by an International Monetary Fund article, often located in tax havens and otherwise avoiding tax and regulatory issues, are causing concern. In the U.S., “subprime” mortgages have been enticing less-qualified borrowers with “teaser” rates and more recently an increasing foreclosure rate, and banks such as Bank of America are beginning to offer credit cards to anyone who has a “taxpayer ID number,” which is a number issued to anyone who pays taxes in the U.S. and does not have, for one reason or another, a Social Security number.

Risky “hedge funds,” sometimes run from offshore tax havens, have been making international news as a major problem in the financial world. One Harvard Business School professor, D. Quinn Mills, likened these investments to dot-com investments in unknown companies, promising huge returns based on industry growth. He also notes that wealthier investors – and some smaller investors, perhaps even as part of their 401(k) plans – are being offered these “funds of funds” through their regular banking contacts.

Subprime mortgages, which are mortgage loans to riskier borrowers, have good reason to be on economists’ minds. Colorado is ahead of the national average in subprime mortgages at 18% versus 13.5%, according to the Denver Post. At the end of the third

quarter, 10.4% of those were delinquent. Now, Colorado is also leading the way in foreclosures.

According to USA Today, defaults and delinquencies among subprime mortgages have been up sharply since late 2006, and the Denver Post notes that several dozen large subprime lenders have closed their doors recently.

USA Today notes that economists still expect “steady economic growth in 2007,” suggesting that the problem is seen as more of a warning sign.

According to originatortimes.com, a lending industry news website, a report by the Center for Responsible Lending indicates that subprime loans are a major source of foreclosures, and of those loans, one of the major problem loan types, known as “exploding ARMs (Adjustable Rate Mortgages)” is a loan whose affordability is much higher during the first couple of years, as they have an initial low “teaser” rate.

According to the site, Colorado and Nevada have been neck-in-neck for the status of highest foreclosure rate during the past year, with California and Texas leading for highest total number of foreclosures.

Although the Bank of America credit card program, and movements in a similar direction by Wells Fargo Bank, are in an initial testing phase, they represent yet another area in which financial policy is currently loose enough that banks and other financial businesses are being tempted to expand into areas of greater risk.

“Worst risk to market? Subprime mortgages”, USA Today, February 26, 2007 (Print Edition)

http://www.denverpost.com/search/ci_5263213

http://originatortimes.com/content/templates/standard.aspx?articleid=2235&zoneid=5

http://www.imf.org/external/pubs/ft/issues/issues19/index.htm

http://hbswk.hbs.edu/item/3698.html

Make Money Online Fast

Learn how to make money online!

Have you been looking for a way to make money online? One of the lesser known legitimate websites for finding Internet work is a program called Amazon Mechanical Turk. The Turk works by allowing you to take tiny jobs that a person can do better than a computer for micro-payments in bulk. I trusted this site enough to give it a try because it is run by Amazon, which at least made me reasonably certain it was not a scam. What follows is an account of my experiences working with Mechanical Turk.

How does it work?

Perhaps because it is still in beta, I didn’t notice much user friendliness when I first found the Mechanical Turk site. There isn’t really a guide to what you are going to be doing or how payment works, so I felt a little bit confused at first. I was dubious enough about the way it was set up that I researched a bit to make sure it wasn’t a scam. Amazon doesn’t seem to promote it much, and when I stumbled into it the first time, the only signs I had that it was an Amazon run site were the logos and the title.

When you first log in, you are greeted by three tabs. The first tab gives you a summary of your activity on the site and links to your account and payment information. The second tab lists the jobs, or “hits” you can take, and the third tab lists qualification tests you have completed. To participate, all you have to do is click on hits you’d like to do, choose the accept button, and start working. Everything you have to do on the page in front of you when you click accept constitutes that hit, and you should be paid whatever the hit is listed as worth– anywhere from around $.01 to $5.00.

My Experiences

I got going pretty fast once I found the site and immediately started doing hits. The first thing I noticed was the large amount of hits that are worth far more than what you are being paid to do. If you aren’t careful, you can easily spend 10 or 15 minutes doing something for less than a dime. Hits that let you make better money tend to go really fast, so you have to be vigilant and work quickly to make anything. At my best, I think I got up to about $5.00 an hour– not exactly a living wage.

One major problem I noticed with Amazon Mechanical Turk is the payment structure. The person who will pay you, the “requester,” has complete control over whether or not you get paid. They can approve or deny your work for any reason, and you have no recourse. The Turker community has come up with a firefox plugin called Turkopticon that rates requesters to try to combat this issue, but since many requesters haven’t been rated yet, the plugin doesn’t solve the problem entirely.

Conclusion

Amazon Mechanical Turk is a legitimate way to make money online if you don’t need much and you don’t mind making less than minimum wage. Some of the hits can be entertaining, and so long as you protect yourself it really does pay. I made about $25 for 6 hours of using Mechanical Turk while I browsed the Internet, and the money is sitting in my bank account. While I’m going to keep my eye out for something more lucrative, if you really need the money it will do in a pinch.

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There are many other eating disorders that are less commonly discussed. Here’s a rundown on just a few of the less heard of eating disorders.

Pica
Pica is common, but very commonly unrecognized and is characterized by a compulsion to lick, chew, and ingest non-food items with no nutritional value. These non-food items can be almost anything, including wood, soap, grass, plaster, ice/snow, plastic, etc. The cravings that Pica induces can often (but not always) be linked with certain vitamin or mineral deficiences. Pica can be associated with mental retardation, social and developmental delays, as well as a family history or background of the disorder. Pica is common in pregnant women, but usually disappears after the birth of the baby. Due to the dangers of ingesting non-food items, it is important that someone afflicted with Pica get treatment for the disorder as soon as possible. Pica can lead to lead poisoning, malnutrition, abdominal problems, intestinal obstruction, hypokalemia, hyperkalemia, mercury poisoning, phosphorus intoxication, and dental injury.

Prader-Willi Syndrome
Prader-Willi Syndrome is present at birth, and is believed to be caused by a defect in genes, however is not believed to run in families. Children with Prader-Willi Syndrome generally have feeding problems early on, and commonly have growth delays as well as social and mental delays. Prader-Willi Syndrome is characterized by excessive hunger, so excessive that the individual is never not hungry. This insatiable hunger is caused by a defect in the hypothalamus, which regulates the whether or not the body feels hungry or full. Individuals with Prader-Willi Syndrome, may also experience unexplained fits of rage, sleeping disorders, psychosis, a high pain threshhold, and compulsive behaviors. It is important to seek treatment for someone afflicted with Prader-Willi Syndrome. If left untreated, Prader-Willi Syndrome can lead to abnormal growth, speech impairments, mental and physical growth delays, obesity, poor muscle tone, dental problems, stunted sexual development, obesity, and type two diabetes.

Night Eating Syndrome
Night Eating Syndrome is characterized by a lack of appetite in the morning, and a sudden, drastic increase in appetite at night. Night Eating Syndrome, like Prader-Willi Syndrome, is associated with a defect or injury to the hypothalamus. Individuals with Night Eating Syndrome are very commonly under a great deal of stress, and struggle with insomnia. Individuals who suffer from Night Eating Syndrome generally fast or eat very little in the morning, and afternoon. These individuals generally do not start eating until evening or night time, and tend to binge when they do eat. It is important to seek treatment for someone with Night Eating Syndrome, because the individuals suffering from it, are often under a great deal of stressed and more often than not, suffer from depression. Counseling may help the problem.

Sleep Eating Disorder (SED-NOS)
Sleep eating disorders are generally classified as sleep disorders, but are a combined eating/sleeping disorder. Individuals suffering from Sleep Eating Disorder are generally overweight and experience recurring episodes of sleepwalking and sleepeating. These individuals binge on large amounts of food while they are mentally unaware of what is going on around them. Most individuals with Sleep Eating Disorder do not remember binging. This puts them not only at risk for all of the problems associated with Compulsive Over Eating, but for unintentional self-injury. If you suspect that you or someone you know may have Sleep Eating Disorder, it is very important to seek help as soon as possible.

Body Dysmorphic Disorder (BDD)
Body Dysmorphic Disorder is characterized by an obsession or pre-occupation with a real or imagined defect in an individual’s visual appearance. Individuals suffering from Body Dysmorphic Disorder may obsess over minor imperfections (such as freckles, a mole, weight, scars, etc) to the point of severe depression and even suicide attempts. Individuals suffering from Body Dysmorphic Disorder generally have low self-esteem and are very fearful of rejection. Body Dysmorphic Disorder can be one of two types, the delusional type (in which imperfections are imagined or severely exaggerated) and the non-delusional type (in which the percieved imperfections are present.) Individuals with Body Dysmorphic Disorder may go through strange rituals, and obsessive rituals in order to “correct” or minimize the appearance of imperfections. Some sufferers take it to the point they attempt their own cosmetic surgery, or commit suicide. Treatment is very difficult for individuals suffering from Body Dysmorphic Disorder, but is very necessary if the person wishes to recover from the disorder.

Orthorexia Nervosa There are no clinical guidelines for a diagnosis of Orthorexia Nervosa, and it will not be diagnosed by most physicians. Orthorexia Nervosa is characterized by an obsession with the quality of food. The factors that influence the quality of the food range from nutritional value, to how the food is prepared, how clean the food is, or whether or not the food is organic. Individuals suffering from Orthorexia Nervosa tend to have strange or abnormal rituals regarding the preparation and ingestion of food. Individuals who are suffering from Orthorexia Nervosa commonly spend a great deal of time obsessing over food and having a “pure” diet to the point it has a negative impact on their daily life. Although it will usually not be diagnosed by a physician, it may be beneficial for an individual suffering from the disorder to seek help from a counselor.

Bigorexia
Bigorexia is not a condition that a physician will diagnose, but is characterized by an obsession with size. Individuals with Bigorexia are very concerned, to the point of obsession about the size of their muscles. Individuals with Bigorexia are very fearful of being considered small, and work very hard to keep their muscle tone up. This goes beyond the normal gym activity and body building. Individuals with Bigorexia are much more likely to abuse steroids and drugs in order to get bigger muscles. Individuals afflicted by Bigorexia are also at a higher risk for kidney failure due to the high protein diets followed by many body builders. Although Bigorexia won’t be diagnosed by a physician, it can prove to be very beneficial for an individual suffering from Bigorexia to seek treatment from a counselor with experience in the field of eating disorders.

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