Regaining Financial Health

Do unpaid bills cause you to lose sleep? Are you being hounded and harassed by creditors? If the answer is yes to these questions, don’t fret too much because you are not alone. Many people nowaday are having trouble paying their debts.

A person who is unable to pay his debts as they fall due for a number of reasons may be declared bankrupt by himself or by his creditors. You are in financial trouble if:

1. You are living beyond your means or spending more than what you are earning.

2. If you are relying on credit for your daily needs.

3. If you are having trouble stretching your paycheck to cover monthly bills.

Financial troubles should not make you lose hope. There are many solutions to regain financial health. All you have to do is act to cure the defect. First off is to consider available options.

1. Careful budgeting won’t come amiss.

2. Create a plan of possible expenses according to priority.

3. Reduce unnecessary spending such as vacations, expensive entertainment and impulse buying. Instead of dinners in expensive restaurant try home cooking. Aside from reducing the expenses, this is an opportunity for the family to bond. Clipping coupons, purchasing off the rack clothes, taking advantage of sales are several techniques to scrimp and save.

4. Living like broke college students (at least until the crises is over)would greatly help reduce expenses.

5. Try not to use the credit card as a ticket to unlimited spending spree. Remember that these purchases will have to be paid later.

6. Time deposit saving with low interest rates can be withdrawn and used to pay high Interest loans.

7. Selling assets such as cars and vacation houses will not only realize cash but will reduce maintaining expenses.

The government gives assistance in the form of unemployment compensation, food stamps and medical aid. The community groups and the church are also sources of additional assistance.

Enlisting the help of credit counseling agencies would greatly address this dilemma. These agencies can be found all over the country. They offer free services or sometimes at a very low cost to individuals with financial problems. Credit counselors have the prime task of giving counseling to individuals seeking help.

They will act as a “go between” the creditor and the debtor by negotiating payment schedules; restructure your financial situation by formulating cost effective budgets and give you options to address your financial troubles. A word of caution though, some credit counseling agencies could worsen your financial situation. Be wary if you are asked to give large amount of money.

If all else fail, the last option to take is filing for bankruptcy. Bankruptcy is a way by which an individual in serious financial trouble can have a fresh start…a new slate. But of course along with the peace of mind comes several draw backs. Bankruptcy could result in a ruined financial history.

Bankruptcy record would stay for at least 10 years. Business dealings in the future will be jeopardized since potential partners would think twice before dealing with an individual considered being a bad credit risk. Since bankruptcy orders are published, the society will be aware of your misfortunes. A financially crippled individual should consider if bankruptcy is a wise option, if the peace of mind that would result far outweighs the shame of being branded a financial risk.

Wired with Video Blogging

Much as its appealing effect to the people who sees it and who sympathizes with its content, video blogs are treated as a phenomena. Mainstream entertainment is wired with video blogging. You are the director of your own video. Popularly known as vlogs (short term for video blog), usually it contains scenes of everyday life.

Not just an outlet for media response, vlogs can also be profitable. According to some experts, by creating a video advertising sensible products and linking it up with various web directories, fast income is a possibility.

Youtube can be a very typical example of a resource for the numerous vlogs being done today. A lot of people posts their videos either sensible or of no sense at all. You could learn from it or you could trash it. Its a media-friendly digital file anyone could author and direct anytime, anywhere, anyhow.

What should be the content of my vlog?

Basically, everything you can think of. A mixture of humor, downfalls, heartaches, struggles, and lifes simple pleasures. You could feature anything -your favorite food, an MTV you proudly taped, vices, poor sleeping habits, health problems-ANYTHING. This issue is inevitable.

Majority of the experimental vlogs signifies a liberated take of documented short videos of gatherings or events like birthdays, graduations, weddings, etc. It doesn’t have to be a crowd-pleaser; it just has to be real.

How can I start my own video blog?

Gather up a camcorder or a mobile phone. Put the lens in front of something that you think would be interesting and would catch your viewers attention like your face or your neighbors bathing habits. Then start recording. The time will depend on how you would visualize your vlogs appeal and resolution to the masses. Be in control.

When is the right time to start?

After you’ve assembled the right equipment, make a go for it. Take it as you wish. Record it as you please. Anytime is the best time. Just make sure viewers end up understanding what you’ve wired.

Below are 3 easy steps for beginners and first timers on how to put up a vlog.

1. Visualize of how your vlog would look like. Think of the means. Think of the filling. Think on how it would start and how it would end. If you have no idea on how a vlog really looks like, browse your way through the internet RIGHT NOW!

2. Design after streaming the content of your videotape into the computer, its best that you find a suitable and familiar blog site.

3. Upload post your vlog on your favorite website. And voila! You’re very own video blog. At last, a tiny space among millions! Easy isn’t it?

An amateur vlog is always welcome, no one will sue you for showing your butt-crack. But don’t just go with the basics. Make your vlog more appealing by advertising creative words people would search for.

Tips To Choose Good Affiliate Programs

Affiliate programs have become more popular nowadays, especially for sales people who want to make money easily and quickly. However, before you choose any affiliate program, make sure that you have answered all questions relating to a good affiliate program. Here are some questions you may ask:

1. Does the affiliate program offer high commission rates for products?

I know it is a tough question to answer. How much is high? Normally, commissions of 25%-30% of the product price are expected of a good affiliate program.

2. How much traffic does the vendor get to his site?

Before signing up to any affiliate program, remember to do some research on the vendors site, especially the sites traffic. may be helpful in doing this research. If the site is ranked in the top 100,000 the merchant gets good daily traffic to his site. If the site is ranked below 500,000 it is not worth bothering. You should find another one. So remember to do the research before you want to invest anything.

3. Does the merchant use any tracking system?

All good affiliate programs provide excellent tracking systems. This system allows you to track visitors by using cookies, so that you can get accredited with sales that originate from your site. Check out how long the cookies last. The longer they last, the better chances are of getting paid.

4. Is the payment safe?

Be sure that you can get commission payment easily and safely, otherwise you’ll waste a lot of time and effort. A perfect affiliate program has a secure payment system so that you can check your balance any time or be informed shortly when you receive any credit. Moreover, you should ask about the payment time because different affiliate programs have various payment times. Some pay monthly, some quarterly. It is also vital to know the minimum balance you need to earn in order to get paid.

5. Does the affiliate program have any tool to help affiliates sell more?

A standard database with all kind of reports from sales to payment and other tools like ads, banners.. are very vital for affiliate management. Make sure that you can control all the sales, keep track of them and make good decisions. Moreover, the support system must be really good to help you solve some urgent situations you may encounter.

6. Does the affiliate program offer affiliate referral program or two tier affiliate program?

It means that you can get additional commission if you can recruit more affiliates into the affiliate program. The more they sell, the more referral commission you may get. Therefore, recruit as many affiliates for you as possible.

Finding a good affiliate program is a tough work. The best advice for you is to do your own research, using these above mentioned questions as a guide that will lead you to the right merchant, to reach your financial goal. If you find one, tell me.

What Impression do you leave your clients?

Impressions, as we all know, are blurry ideas in which confidences are given. Marketing materials such as business cards, posters, postcards, flyers, brochures and catalogs must satisfy the customers confidences even at the very first sight of the material.

Catalogs, for instance, must leave a lasting and positive first impression. Before they can encourage potential readers to read on, they must entice them first to come closer and take a look at them. They must have fascinating design and facade to lure the would-be receivers.

To complete the marketing formula, the company or its marketer must entrust the potential masterpieces to a master in catalog printing. If you have hesitations and worries regarding the printing process, the colors and materials like paper and ink to be used, ask the pool of experts that surround the printing company. They will help you seek solutions to your catalogs printing dilemmas.

Catalogs are made to have easy access on your products and service. You do not have to bring them with you. With catalogs around, there is no need to present the literal product or demonstrate the services that your company is offering. All it takes is an effective modern catalog.

In the production of catalogs, areas of concentration must be established and considered. One area is the product or service. Some product need not be included in the catalog while some are indispensable. Choosing which are to be incorporated from which are not must be carefully done.

After selection, the next area of concentration is categorization or grouping. There are products that can be grouped as one while there are products that need to be presented singly. Samples of these products are the feature for the month and the freshly released products. Same thing should be considered in marketing services. In this area, you have to master one thing and that is sorting.

Next to categorization is the process of creating descriptions. Descriptions must be exact or definite. You can begin by writing the name of the product or service followed by its features. Ideal number of words range from 30 to 60 words for every product or service.

Make a good impression by selecting clear pictures and crisp texts. Be reminded that the heart of every catalog is its overall appearance. Thus, superior artsy taste is a marketing edge.

Your 1st 100 Days in Internet Marketing

Internet marketing draws people from many different backgrounds. It is as diverse an industry as you will ever find. People from all walks of life and from countries all over the world have carved out a piece of the internet for themselves with varying degrees of success and more people climb aboard every day!

If you have a computer and an internet connection, you can be in business today. The relatively low barriers to entry make this business a fascinating destination for many. With this experience comes the knowledge that someone somewhere is willing to pay for information.

But the most common question is how do I. How do I take the information I have and put it on paper or word processor? How do I package it? How do I price it? Advertise , distribute, or sell it? All logical questions for the uninitiated.

So what happens? You go out you buy the knowledge you need to complete these tasks but something happens along the way. You wind up spending a small fortune on titles like How to get everything you ever wanted out of internet marketing for just $37.

Unfortunately, it doesn’t really work that way! How do I know? Because October 6th, 2006 I started my internet marketing career and I can tell you there were times when I had to take my credit card out of my wallet with asbestos gloves. After learning a very expensive lesson, I decided I was going to help those that have come after me avoid such pitfalls. That’s how I came up with

Right now I am passing this information on to anyone willing to listen and I suggest you AT LEAST listen. Why?
Because the most valuable lesson you can learn is the one someone else paid for! In our newsletters you will:

1. Learn the top 10 steps to take in your 1st 100 days.

2. Learn who the top 10 people are that you need to be listening to.

3. Find out who the top 10 people are to avoid, BEFORE you take out your wallet!

4. And my favorite, learn what separates an internet marketer from an opportunity seeker!

You will Also Find out:

1. Who is the best hosting company and why.

2. Who is the best Registrar? Its not who you might think!

3. What software to use even if you can’t write one line of html code.

The tips, tricks, and recommendations will hopefully help you avoid the pitfalls that most internet marketers make while showing you step by step how to raise the bar just a little bit higher than yesterday.

Remember, a journey of a thousand miles begins with the 1st step, or the 1st 100 days!

Why Internet Businesses Crash and Burn

As you know from the debacle in the late 1990s, starting an Internet business is no guarantee of success. Internet business failures happen, but often for obvious reasons.

Why Internet Businesses Crash and Burn

Internet business simply refers to an online business devoted to profits through the sale of products and services. In the real world, a majority of small business startups fail because they get overwhelmed with overhead expenses. On the net, this is less of a problem if you can do any of the work yourself, such as building pages for your site. Even if you can’t, most sites do not fail because of expenses. There are plenty of other reasons.

Internet business failures almost always have a common denominator. The issue involves traffic. On the net, traffic refers to the number of visitors a site gets. Most Internet businesses fail to properly research whether there is enough traffic for their area of business before building out their site. The first step is always to research whether people are actually searching for your business. You can look under the keyword category in our article section to learn more.

The second area where Internet business failures occur involves ignoring the keywords in question. Once you have a keyword list, you must focus on it. The list is telling you what your prospects are searching for and you must make it your mission to supply them with the products or services. If you do not provide the services or products indicated by certain keywords, take steps to make it happen. If you give prospects what they want, they will return to your site over and over again. Return visitors are the key to making profits.

Many Internet business failures occur because sites bite off more than they can choose. The temptation is to go for the broadest subject matter possible. This is a mistake. You should focus on a niche. If you want to open an online bookstore, you will never be able to compete with Amazon. Amazon simply has far too big of a head start. If you focus on books devoted just to a certain subject, such as Eastern philosophy or home improvement, you have a good chance of making a profit. This can occur because fans of the niche will come to your site instead of Amazon since you focus entirely on the niche in question.

Internet business failures occur because people simply do not take the time to property research the situation before jumping in with both feet. Take your time and full understand your market and what you are getting into. If you are patient and thorough, you will not become one of the Internet business failures dotting the net.

America Is Becoming An Indoor Nation: What Can We Do About It?

Photo by cottonbro on

Over the last week of January, a number of PeopleForBikes staff attended the Outdoor Retailer Snow Show in Denver. In addition to being a convention center packed full of next year’s drool-worthy outdoor gear, it’s also one of the largest national gatherings of outdoor industry professionals, providing a chance to open a dialogue around the many pressing issues facing our industry today.

Wednesday’s industry lunch panel, titled Is America Becoming an Indoor Nation? The Need for a Movement to Get Americans Outside, covered the alarming trend of less and less Americans recreating outdoors each year. A study released recently by Outdoor Foundation, the philanthropic arm of the Outdoor Industry Association, showed that just under half of the U.S. population did not recreate outdoors even once in 2018. In addition, fewer than 20% of Americans recreated outside at least once a week and Americans went on one billion less outdoor outings in 2018 than they did in 2008 (even though there are now 20 million more of us). 

While these statistics may seem shocking (as they rightfully should be) the talk was led by an engaging team of panelists, which included the Executive Vice President of REI, the Vice President of Corporate Citizenship and Public Affairs of Blue Cross Blue Shield of Massachusetts and the Ohio State Director for the Trust for Public Lands. Each speaker provided very compelling insights, all supporting the overarching message of “We all thrive outside.”

How to best tackle the challenge of getting people outside? Change the way we talk about it, said the panelists. We need to stop prescribing solutions before we ask key questions. Instead of saying “You should ride your bike more,” we should ask “Would you like to ride your bike more?” In short, we need to stop saying “You’re doing it wrong,” and instead ask “What can we do to help?”

This sentiment was supported by the previous day’s keynote lunch discussion, of which PeopleForBikes COO Jenn Dice was a panelist, that covered different approaches that various outdoor industries utilize to engage new participants. For our work in the bike industry, Ride Spot, our navigation tool and community building platform is at the forefront of PeopleForBikes’ push to get more people outside — on bikes — more often, especially those who are infrequent riders or may not be confident in navigating their city by bike.

“We designed Ride Spot to be inviting and inclusive to all riders, no matter what bike they ride or what skill level they are,” says Dice. “It’s all about the experience. We want to promote fun trips, short trips and most of all, safe trips. Every ride counts. Ride Spot was built to show people how easy it is to have a fun ride. We want to invite people to the party instead of guilting them into thinking they’re not good enough.”

A major message from the panelists in both discussions: short outings matter. Not every outdoor trip has to be a grand adventure. Not every hike has to summit a ragged mountain peak just as every bike ride doesn’t need to be a grueling 100-mile leg crusher. A walk around the block or bike ride around the neighborhood is a solid start. Social media may make it seem like true adventure requires a far-off destination, a beautiful locale and an online post. Redefining and simplifying the concept of getting outside and riding your bike will encourage more people to recreate, comfortably and safely. For our team here at PeopleForBikes, this means a continued commitment to making biking better for everyone through our work with Ride Spot as well as pursuing countless other avenues of finding more ways to allow people to ride their bikes safely, confidently and more often.

4 Ways To Makes A Successful E-Commerce Website

There are many ways to create a successful e-commerce site, but there are four crucial points that you should keep in mind while launching your website.

1. Website

Your website is like your showroom, airy and attractive. When online, the equivalent of a showroom is an uncluttered website where the eyes can move freely up and down finding the details they need without much effort. It is extremely important that the website be easy to navigate since the surfer should not have to search for the product or details he or she is looking for. The website should project its products in a provocative way so the surfer wants to see more.

Place testimonials or photos of your product so people can create a positive image of its usage. If your products are guaranteed, post this information conspicuously.

2. Your merchant account

This feature is a must for any commercial website because without it you will not be able to receive payment by credit cards. Reports show that as high as 99 percent of the trade online is done through credit cards. Hence, if you do not have a merchant account you lose business. You will need to be able to accept all major credit cards and without this feature that is not possible.

3. Shopping cart and secure server

This is interconnected with the above. When you have a merchant account to accept credit cards, you will need an online shopping cart. This feature allows your customers to choose and place their chosen products in the cart just as one would do in a shopping mall. This cart will, at the end of the shopping, total the products and give the total cost of the products chosen.

In order to have your shopping cart work well you need to have its software installed on your website or on the server that hosts your website. If you choose to have your own server you will need to have a certificate from Verisign and Thawrte, which encrypts the financial information given by your customers so they can feel safe while giving you this sensitive information.

4. Payment gateway

This is another crucial aspect of setting up a successful e-commerce website. The payment gateway is the link from your website to the credit card processor. This gateway helps information to pass from your site to the authorization center where the credit card is verified and then charged; after that, the reply will come back to your website that the processing has been successful. A payment gateway will always check for details in credit card information and reject any discrepancy in the information. In this way, it reduces the use of fraudulent cards by almost 80 percent.

5 Simple Steps To Posting Your First Ebay Auction

It’s surprisingly simple to get started posting your very first auction on eBay. Here’s what you need to do.

Step 1: Open an eBay sellers account.

If you’ve bought things on eBay, then you already have an account just log in with it and click Sell in the toolbar at the top of the page, then click Create a sellers account. If you’ve never used eBay before, then you’ll need to open an account first using the register link underneath the toolbar, and then click Sell and Create a sellers account. The eBay site will then guide you through the process. For security, this may involve giving card details and bank information.

Step 2: Decide what to sell.

For your first little experiment with eBay, it doesn’t really matter what you sell. Take a look around the room you’re in I’m sure there’s something in there that you’re not all that attached to and could put in the post. Small books and CDs are ideal first items.

Step 3: Submit your item.

Click Sell, and you’re on your way to listing your item.

The first thing you need to do is choose a category its best to just type in what the item is and let eBay choose for you. Next, write a title and description. Include key words you think people will search for in the title box, and all the information you have about the item in the description box.

Now set a starting price. $0.01 is the best starting price, as it draws people in to bid who otherwise wouldn’t, and items will almost never finish at such a low price. The next thing to set is the duration of the auction: 3, 5, 7 or 10 days. This is up to you: longer sales will usually get more bids, but will also seem to drag on forever. If you’ve taken a picture, add it now items with pictures always sell for more. Finally, tick the payment methods you will accept (just PayPal is best for now), and where you will post to (limit yourself to your own country to begin with). Submit and you’re done!

Step 4: Wait for it to sell.

This is just a matter of sitting back and letting eBay do its thing buyers will find your item and leave bids on it. Some bidders might email you with questions about the item, and you should do your best to answer these questions as quickly as you can.

Remember that if your item doesn’t sell then you can list it again for free.

Step 5: Collect payment and post it.

eBay will send your buyer emails guiding them through the process of sending you payment for the item. Make sure you have the money before you send anything.

Once you’ve got the payment, all you need to do is pack the item for posting (make sure to use some bubble wrap), take the buyers address from the confirmation email eBay sent you, and write it on the parcel. Put some stamps on, post it, and you’re done!

I hope you enjoyed selling your first item. Now that you’re starting to get into it, the next email will give you a checklist of things you need to do to be a successful seller.

Multiple Scopes for Freelancing

If anyone wonders about the scope of freelance jobs, they will be amazed to know that there are actually thousands and thousands of them available online. Internet has revolutionized the way we work. It is the latest trend to post projects online and get work done from freelance online workers. The scope of freelance jobs is overwhelming, by searching the Internet with the keyword freelance jobs. The scope of freelance job is very wide. It ranges from basic level of jobs to the highest level of online freelance jobs.

The scope for online freelance job opportunity is immense, because of the fact that it offers a win-win situation for both the client and the service provider. Freelance job opportunities have never been very easy and reachable as they are now. Initially it may be slower to earn online, but there is a rising scope of getting income consistently from online jobs. Millions of people have got into the life style of working online from home and it is already a reality. A number of websites have increased the scope of getting freelance jobs at ease and earn money.

Factors contributing to the rapid growth of online job opportunities:

All most all the companies have made their presence felt online for wider reach among the people all over the world. Internet technology has become a perfect medium for online business opportunities. The difficulty in managing the operational costs of organizations to keep up with the growth figures has resulted in outsourcing part of their work. The jobs to be completed are put up on the online job portals and a freelancer can pick up jobs pertaining to their experience, knowledge and expertise. This offers a win-win situation for both the organization giving work and the person taking work as the company gets the work done at a relatively lesser cost and the freelancer earns decent money for the work done by him or her.

To succeed as a freelance online worker and for an organization to flourish by getting work done from freelancers is to find the right person and right kind of projects to make their mark. From the unlimited online job opportunities, getting the right kind of advice, support and information can be an added advantage.