Friday, December 5, 2008

Sexy Tatto Again



Imagine on this body you put ads.

Good Tattoo



This one beautiful tattoo. I like it.

Tuesday, December 2, 2008

reach money online

Don't had surrendered to gain money from the internet. Carry out various methods so that your wish is reached

Monday, November 24, 2008

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Tuesday, October 14, 2008

7 Ways Writing Articles Can Explode Your Business

Top Seven Ways Writing Articles Can Explode Your Business


In today's highly competitive internet universe, the importance of attracting highly targeted traffic to your website cannot be overemphasized. Routing web traffic to your site can be your only means of survival, especially in the cutthroat world of ecommerce. Getting a high search engine ranking can be very difficult. Fortunately, there is plethora of website promotion strategies you can use to drive traffic to your website.

There is a wide variety of strategies you can adapt, from paid advertising to affiliate marketing. However, most of these techniques require payment. Nevertheless, there are ways to promote your website and increase your web traffic without spending anything. Writing articles is one of the best web site promotion strategies you can use, and they can be very effective. How, you may ask, can writing articles help improve your web traffic? Here are the top seven ways in which it can help explode your business.

1.Reach more people

When you write good articles, it would be a shame not to share them with other people. You can post your articles in your website or you can submit them to other sites such as e-zines and online publishers. By submitting your articles to these sites, you give exposure not only to your ideas but also to your website. Simply include a link back to your site or include your information in the resource box. With this, you get exposure and free advertising as well. Submit your articles to popular e-zines and take advantage of their popularity. Other sites who find your article relevant may also link back to you. Thus, you increase your link popularity, which is one of the most important strategies in the internet world. Remember that most people are looking for information online and by filling this need with your quality article; you may reap the benefit of more exposure and higher web traffic.

2.Free Advertising

Submitting your articles to other websites presents an opportunity to advertise your website without paying exorbitant fees. Although you should avoid marketing language in your articles and make it informative and useful to your readers, you can always include your site's link in the resource box. In addition, by making your article relevant and helpful to your readers, you are making a good impression for your website, which could ultimately lead to a visit and hopefully a purchase. Good quality content in an article is far better and more effective than a few lines of ad space. You have a very special opportunity to presell your product or service to your prospective customer.

3.Gain High Search Engine Ranking

Create a new web page for your article in your website. Optimize your article to make it search-engine friendly. Use top-ranked keywords and Meta tags that can give your website a high search engine ranking. As soon as you upload your new webpage to your server, search engines will spider through it and you can gain an increase in search engine ranking. Remember that search engine optimized content is a very effective strategy to gain a high ranking in search results.

4.Increases Link Popularity

Instead of looking for other sites who would want to establish reciprocal links with your site, you can simply submit an article to other sites. Just do not forget to include a link to your site in your resource box. When these websites pick up and publishes your article, you automatically get a link partner. Try to get as many link partners as you can. Link popularity is one of the factors used by search engines in determining search engine rankings. Make your article especially useful and appealing, so that more websites will be encouraged to publish it.

5.Optimizes your site for improved search engine ranking

By making your site keyword rich, you can greatly improve the search engine ranking of your site. Remember that keyword density is one of the most important factors that search engines use when determining the search engine ranking of site. However, you should always provide relevant, useful and pertinent information. Avoid the temptation of overusing keywords just to gain a high ranking as this may turn off most web surfers. Relevance and quality is still the most important things to consider when writing articles and it will be doubly useful to your site if you make these articles search-engine optimized.

6.Establishes a Good Impression and Reputation

By writing excellent, original and relevant articles, you not only give your site exposure, you are also creating a good impression on your prospects. Encourage more people to visit your site and do business with you by establishing an impressive reputation through your articles. Be seen as an expert in the field and your will ultimately gain more customers eager to do business with you.

7.Enhances your credibility through references and testimonies

Certainly, your articles are going to receive feedbacks and testimonies when you publish them in e-zines and free article sites. Record these positive feedbacks and comments and use them as promotional material in your website or in any of your advertising efforts. Your credibility will be greatly enhanced by these feedbacks, as it will create a good impression on your prospects as well as your existing customers. In this highly competitive world, excellent credibility and trust may be the only things you need to attract new customers or make loyal patrons out of your existing customers. Original, relevant, useful and pertinent articles are important tools you should utilize to improve and explode your business

Wednesday, September 17, 2008

Building Affiliate Marketing Websites The Easy Way

There are some myths in affiliate marketing, which attract a lot of people to it believing they are true. First is they think managing an online business is easy and second, they think that one can make a fortune through online marketing in an instant. Probably not even 10% of those who are into affiliate marketing became rich overnight. There may be some who fortunately achieved overwhelming success in just a short span of time after setting up an affiliate program, but not a majority of them can confidently say they only had luck. Anyone who is successful in this kind of business would say he worked hard to get to where he is right now. Success in affiliate marketing takes time and hard work, but it’s worth it.

If you are planning to start an affiliate program, one of the things you have to consider is having your own website, not just an ordinary website but a professional looking one. How do you build an affiliate marketing website? What are the easy steps to build one? First, you must have already decided on the theme or niche of your website. It would be better if you already have an idea what products or services to promote as this would help you plan the design and lay-out of your web pages. The next thing to do is to choose a domain name and get it hosted. The domain name is a unique name used to label the actual address of your website on the Internet. In deciding what domain name to register, look into the type of products you are endorsing and the theme of your site. Having the right keywords in your domain name would give you better chances of drawing more visitors to your website. Also, choose a top level domain or extension, such as .com because it is more popular. In selecting your web host, consider the security of servers and up time guarantees.

Now, you can start creating your webpages. Don’t be disheartened when you know a little in this field. There are page generation tools and fast launch sites available online; you just have to search for them. Countless online sources could help you build an affiliate marketing website, though you might need time to study and learn the whole process. This is one of the reasons why your site or the products you are going to promote must match your interest. Building your marketing website for the first time would be a lot more fun if you know very well the theme of your site. If you don’t have time to make your own website, you can use templates or purchase readily available websites. The latter, however, is a more expensive option.

Creating an affiliate website on your own would be cheaper and more interesting. In the process of building your website, you may also increase your knowledge in Information Technology and the use of computers, softwares and the Internet. As you educate yourself in these fields, you are increasing your advantage against other affiliate marketers. It helps a lot, though, if you already know the basics in web page development like programming languages and graphics softwares because you can make your site extra corporate-looking, more convenient to use or easier to navigate. Furthermore, if you are knowledgeable and skillful in this area, you can already concentrate more on the content of the page rather than the design.

The key to draw visitors to your website is to have high quality content; thus, the next thing you must pay attention to in building your marketing website is this. There may be several other factors that contribute to the success of your affiliate marketing site, but a good content tops the list. This is precisely the reason why users choose to enter your site. They want to get information and so when they don’t find it, they would definitely go elsewhere. Write interesting articles related to your theme as this would make them frequent your site. If you have already looked for affiliate programs that complement your site, add links to the business sites and other very good informative sites. Links contribute to how well you will be listed in major search engines as well. Also, create pages for the products you are endorsing, but don’t just promote the products by putting hyped-up ads. Keep your readers interested by injecting lots of relevant and useful information. This would make them click the link to the business site and buy the product. Remember that no good content means no frequent visitors, no sales and ultimately, no commission.

Make your site simple yet not without a touch of class in order to make it appear more of a business website rather than a personal website. This would be pleasing to the eyes and more interesting to browse. To help you with the design, you can check some successful online stores to get an idea on how you can make your site look better. Make sure you don’t place too many banner ads since these could distract some site users; and thus, instead of clicking your ad, they might just leave your site and look for other interesting websites. After all, banner ads are not the only means of advertising your products. Now your website is complete, submit its URL to major search engines to increase your traffic.

Grow from where you started. Learn about use of keywords for search engine optimization and apply them in your content. Update your site regularly or add new webpages. Make sure to inform your prospects about the latest updates in your site. You can use newsletters to accomplish this. The Internet offers a huge source of information about just anything, make use of it. Continue to educate yourself on how to improve your website and soon you’ll find yourself successful in affiliate marketing.

7 Ways to Drive Laser-Targeted Traffic

7 Ways to Drive Laser-Targeted Traffic


An affiliate marketer may have all the things needed for him to be able to succeed in a business such as affiliate marketing. He may have the necessary drive, diligence and perseverance to be able to understand how the system works. He may have all the tools necessary in maintaining the business, including a really unique and interesting website which could earn him a fortune if only the whole world could see it. However, all these would prove useless if he does not know how to drive traffic to his website. His business would sink into oblivion together with all the sales, fortune and dreams that he might have realized if he only knew how to do this particular task.

Getting people who matter to see one’s website is a difficult undertaking if he tries to consider the fact that there are rivals everywhere waiting to pin him down. The immensity of the internet as well as the affiliate marketing world has given birth to the fierce competition between affiliate marketers, each of whom has his own great product to offer. With all the websites piling on top of each other, how would one be able to stand out? The seven best ways to drive laser-targeted traffic to one’s own website would help those who are bent on sticking it out with this business wherever it is bound to take them.

The first step in driving traffic to one’s website is by relying on search engines and what they can do for the affiliate marketer concerned. Because they are popular for driving free targeted traffic, they should not be ignored by all means. Having top search engine rankings is vital in building popularity links, and the use of the right keywords is important in attaining this goal. Once a website is on top of the list, it is easily accessible to anyone who wants to see it for himself.

The second way in driving traffic to one’s website is by contacting other webmasters for a possible link exchange partnership. Locating websites that are related to one’s own website is the primary task. Once there, he should be able to establish communication by personalizing everything as much as possible. It is then possible to make reciprocal link exchanges between webmasters whichever way the affiliate marketer prefers.

The third way is through writing one’s own articles. This is an effective way in promoting a website, because good content that are appreciated by readers will lead them to visit the writer’s very own website out of sheer interest.

The fourth way is through joint venture marketing. This is one of the most effective ways of promoting a product or a service. Having a partner through ad swap or link exchange is beneficial to both parties as it allows them to reach a wide customer base in a short amount of time.

The fifth is through joining affiliate programs. Having affiliates to do the work means allowing them to bring tons of traffic to a website. Skyrocketing sales would be realized as a result, and both the affiliate and the website owner will benefit from the situation.

The sixth is by having a list of subscribers that one can refer to every so often, because they are those which would prove to be valuable assets for the marketer concerned. The use of autoresponders and personalized newsletters is one way of keeping track of them all, and holding on to them by letting them know about new products and services is an essential task that should be done by the affiliate marketer concerned.

The seventh is by knowing one’s market through and through. It is important for traffic to be targeted to those who might have a special interest in the theme or topic of one’s website. This way, a solid customer base is going to be created. Once a potential customer shows an interest in a particular website by paying it a visit, one must not waste time in trying to show him that his effort is worth it.

Traffic generating strategies are important in trying to make one’s affiliate marketing career inch forward. It is always advantageous to plan one’s moves in any business that he might undertake. This is particularly so in affiliate marketing. If one knows how to get people to see what he has to offer, then he is on the right track.

Friday, May 23, 2008

Understanding the Mortgage Meltdown; What happened and Who's to Blame

by: Richard Gandon



People are losing their homes and many more will lose their jobs before the mortgage meltdown works its way through the system.

To paraphrase Alan Greenspan's remarks on March 17th, 2008, “The current financial crisis in the US is likely to be judged in retrospect as the most wrenching since the end of the Second World War. The crisis will leave many casualties.”

How many casualties? Experts are predicting that in the next few years, between 15 and 20 million homeowners could have homes worth less than what they owe. Walking away from a bad situation may actually make sense for people who mortgages that are 'upside down' considering the fact that refinancing is out of the question and home equity is nonexistent.

It seems quite easy to point fingers at greedy Wall Street titans for causing the sub-prime mortgage crises. They after all, put together the deals that allowed banks to underwrite mortgages and then offload these liabilities to investors. What many fail to realize is that there is no shortage of blame to go around from homeowners buying more home than they could afford to real estate agents looking for more commission dollars. Mortgage brokers and bankers, the banks themselves, ratings agencies such as Moody's and Standard & Poor's, Wall Street, the Fed and last but certainly not least, the Federal Government.

Let's start with the homeowners--the people who are now in the process or soon to enter the process, of losing their homes. Some of these people had never before owned a home and as such, may not have been prepared for the costs associated with homeownership. Basic financial literacy is sorely lacking in this country despite there being no shortage of budgeting and tracking programs readily available such as Quicken and Microsoft Money. The lack of financial literacy does not absolve these buyers of their responsibility. Every borrower receives a truth in lending disclosure statement. Here is a portion of what the act covers:

The purpose of TILA (Truth In Lending Act) is to promote the informed use of consumer credit by requiring disclosures about its terms and cost. TILA also gives consumers the right to cancel certain credit transactions that involve a lien on a consumer's principal dwelling, regulates certain credit card practices, and provides a means for fair and timely resolution of credit billing disputes. With the exception of certain high-cost mortgage loans, TILA does not regulate the charges that may be imposed for consumer credit. Rather, it requires a maximum interest rate to be stated in variable-rate contracts secured by the consumer's dwelling. It also imposes limitations on home equity plans that are subject to the requirements of Sec. 226.5b and mortgages that are subject to the requirements of Sec. 226.32. The regulation prohibits certain acts or practices in connection with credit secured by a consumer's principal dwelling.

Much of the subprime mortgage crisis can be traced directly back to variable-rate mortgages. As is clearly stated above, “TILA does not regulate the charge that may be imposed for consumer credit. Rather, it requires a maximum interest rate to be stated in variable-rate contracts secured by the consumers dwelling.” It also clearly states that TILA also gives consumers the right to cancel certain credit transactions that involve a lien on a consumer's principal dwelling. One has to wonder whether or not these homeowners:

1. Bothered to read the truth in lending act disclosure at all.

2. Understood what the truth in lending act disclosure meant.

3. Chose to ignore the information printed clearly the truth in lending act disclosure.

A number of months ago, just as the subprime mortgage crisis was beginning to unfold, The New York Daily News ran an article about a family in New York City, who had bought a home and were now faced with the prospect of foreclosure. The article was sympathetic to this family, highlighting the fact that they're living the American dream and that this dream was about to come to an end. What I found to be distressing was the fact that clearly visible in the photo that accompanied this sympathetic article was a very expensive flat screen television hanging on the wall. Perhaps I'm naïve, but I can assure you that if I were faced with the prospect of losing my home and having my family put out on the street, there is absolutely no way that I would still have that expensive television hanging on my wall. It would have been one of the first things to be sold and some financial relief would be found by jettisoning what I'm sure was the expensive cable bill.

Clearly the public needs easy access to financial literacy courses. Too bad we don't see the need to make this a mandatory course of study in our educational system.

Mortgage bankers and brokers have in the last four or five years been raking in cash by the bucket load in the form of commissions paid when mortgages they've originated, close. Many of these people have not needed to do much in the way of prospecting. Instead, their phones have run off the hook as people have jumped on the homeownership and refinancing and take out extra cash bandwagon, despite their ability to pay for their home. No-document loans were readily available without the borrower having to produce documentation that backed up their income. Clearly this practice can and indeed has, lead to substandard loan underwriting processes. Were some of these mortgage bankers and brokers dishonest? Sure. Were all of them dishonest? I think not. To have a massive nationwide conspiracy, where thousands and thousands of people involved in the mortgage banking and mortgage brokering profession got together to create this situation is simply not feasible. Yes, some of the blame does belong with those in the mortgage industry, but they were simply a small cog in the huge machine that created this mess.

Let's discuss real estate agents. In 2007, we bought a home, and also sold a home. The agent we used to purchase our home was absolutely fantastic. In our opinion, she went above and beyond to make our deal happen. She answered every phone call, followed up on every concern and was the epitome of professionalism. We consider this individual to be a friend, and we have sent referrals her way that have resulted in her earning additional commissions. We will continue to recommend her to all who ask or mention that they'd like to buy or sell a home in our area.

The real estate agent, we used to sell our home, could not have been more different. We got our old home ready to sell prior to closing on our new home. We decided to list it as “For Sale by Owner.” In the event that we didn't sell this home on our own, it was our intention to list it with an agent as soon as we had closed on the purchase our new home. Literally, from the day we put the sign in front of our home and listed it on a “For Sale by Owner” website we were inundated with phone calls from real estate agents. We were told many lies and were constantly harassed; although we had already made it quite clear to every agent who called, and there were more to 60 who did; that we were willing to pay half the commission-the same as they would have received had they sold another agent's listing. We also told every agent that called that we had already lined up an agent to sell our home in the event that we chose to no longer sell it ourselves. Our deadline was the closing date of our new home purchase. We did have an interested buyer who shortly after our closing date decided to keep looking so we listed our home with a local agent so that we could concentrate on getting our new home ready for our moving date at the end of the school year. This agent showed our home a maximum of two times and got an offer which we accepted. We ended up getting $1,000 less than we had wanted in a declining Real Estate market. The agents who had called many times to harass us called our listing agent on a number of occasions and he lied telling them that the house was under contract when in fact it wasn't at that time-clearly a breach of our agent's fiduciary duty. Quite frankly an ethical agent would have continued to show our home until closing in the event that the deal fell through.

But wait, there's more. Our agent also acted as the buyer's mortgage broker. At the closing table, we learned that he had signed documents from the buyer stating that he (our agent) represented them and we had signed documents stating that he represented us. We also learned that the buyer had effectively put down approximately 2-3% of the purchase price when financed closing costs were factored into the equation. Their first mortgage had what we thought was a high fixed rate and their second mortgage came with a rate in excess of 8.5%. Because the closing happened in August, literally in the midst of the first wave of the meltdown, if they didn't close on the day they did (August 31st, 2007), Citibank wasn't going to extend their rate. When my wife & I have bought houses in the past, it had always been a very happy day. These people looked absolutely shell-shocked at the closing table. I'm not convinced that they knew just how much their monthly payment was going to be until closing day. We knew down to the penny well in advance having budgeted and planned everything on a spreadsheet. Were these people stupid or just inexperienced and mislead by a greedy combination of real estate agent & mortgage broker? I'm extremely confident that they are intelligent people but inexperienced and taken advantage of by an unscrupulous agent.

The banks are also culpable. Prior to bank deregulation, Savings and Loans provided mortgages to home buyers and kept these loans on their books. Non-performing loans had a negative effect on the S&L's profitability which of course caused tighter lending guidelines such as job stability and decent down payments in order for prospective home buyers to be approved for a mortgage. Way back then, a home buyer had to actually save up enough money for a down payment 10 or even 20% before a bank would ever consider underwriting a mortgage. The checks & balances kept banks solvent and borrowers responsible. Although this approach worked, some cried foul stating that the regulated system was racist and discriminatory-and there certainly was some truth to this. Skipping forward to the present, banks made a bundle on mortgages over the past five or six years. For the most part, they allowed their underwriting criteria to be stretched so far out of alignment that almost anyone could and indeed did, qualify for a mortgage despite their ability to pay. Some folks even applied for and received mortgages for more than the property was worth. Sometimes for as much as 25% more than their property was worth!

Under the prior system, 125% mortgages would not have been possible because of course these loans were held on the banks' books and could have led to losses that would have had to have been absorbed directly by the bank.

So what went wrong? Under the current system, these loans were sold to the big Wall Street investment firms who repackaged them as collateralized mortgage obligations (CMO's), Mortgage Backed Securities (MBS's) and other similar acronyms. These instruments were then sent to the ratings agencies for their blessing and more importantly a letter rating. Many of these structured finance deals receive AAA ratings-the highest ratings available meaning that in theory, these instruments were least likely to default. How does one create a 'triple A' or AAA rated financial instrument out of sub-prime mortgages? Herein lies the magic. These Asset Backed Securities (ABS) are made up of different tranches or slices, each carrying a different risk and reward level. The first dollar of principle and interest is applied to the securities with the highest rating, and the first dollar of loss is applied to the tranche with the lowest ratings. The lower slices are designed to provide a security blanket that in theory protects the higher-rated securities. The investment banks that package or 'structure' these securities in order to earn fat fees when they sell them to investors are the same entities that pay the ratings agencies to rate these instruments. Clearly the possibility for conflict of interest is present. If investors and not the investment banks that stand to rake in millions in fees were to pay for the rating, the potential for this conflict of interest would be negated. Furthermore, the investment banks have a vested interest in convincing the ratings agencies of the credit worthiness of these securities.

So we've already pointed fingers at homeowners, some greedy, many more I suspect, naïve or uninformed, real estate agents-one out of more than 60 in my experience was a gem, mortgage brokers & bankers, banks, Wall Street and ratings agencies so who's left? The Federal Reserve and the Government of course.

The Fed as its known is responsible of the country's monetary policy and for supervision and regulation of banks. This is the definition of the Fed's roles in their own words:

Monetary Policy

The Fed is best known for its role in making and carrying out the country's monetary policy-that is, for influencing money and credit conditions in the economy in order to promote the goals of high employment, sustainable growth, and stable prices.

The long-term goal of the Fed's monetary policy is to ensure that money and credit grow sufficiently to encourage non-inflationary economic expansion.

The Fed cannot guarantee that our economy will grow at a healthy pace, or that everyone will have a job. The attainment of these goals depends on the decisions of millions of people around the country. Decisions regarding how much to spend and how much to save, how much to invest in acquiring skills and education, how much to spend on new plant and equipment, or how many hours a week to work may be some of them.

What the Fed can do, is create an environment that is conducive to healthy economic growth. It does so by pursuing a goal of price stability-that is, by trying to prevent inflation from becoming a problem.

Inflation is defined as a sustained increase in prices over a period of time.

A stable level of prices is most conducive to maximum sustained output and employment. Also, stable prices encourage saving and, indirectly, capital formation because it prevents the erosion of asset values by unanticipated inflation.

Inflation causes many distortions in the market. Inflation:

· hurts people with fixed income-when prices rise consumers cannot buy as much as they could previously

· discourages savings

· reduces economic growth because the economy needs a certain level of savings to finance investments that boost economic growth

· makes it harder for businesses to plan-it is difficult to decide how much to produce, because businesses can't predict the demand for their product at the higher prices they will have to charge in order to cover their costs

Bank Regulation & Supervision

The Fed is one of the several Government agencies that share responsibility for ensuring the safety and soundness of our banking system. The Fed has primary responsibility for supervising bank holding companies, financial holding companies, state-chartered banks that are members of the Federal Reserve System, and the Edge Act and agreement corporations, through which U.S. banking organizations operate abroad.

The Fed and other agencies share the responsibility of overseeing the operation of foreign banking organizations in the United States. To insure that the banking system remains competitive and operates in the public interest, the Fed considers applications by banks for mergers or to open new branches.

The passage of the Gramm-Leach-Bliley (GLB) Act in November 1999, was the culmination of a multi-decade effort to eliminate many of the restrictions on the activities of banking organizations.

Some of the main provisions of the GLB are:

· Repeals the existing limitations on the ability of banks to affiliate with securities and insurance firms

· Creates a new organizational form that allows banking organizations to carry new powers. This new entity called a "financial holding company," (FHC) and its non-banking subsidiaries are allowed to engage in financial activities such as insurance and securities underwriting

The Fed's enlarged role as an umbrella supervisor of FHCs is similar to its role in supervising bank holding companies. The Federal Reserve Banks will supervise and regulate the FHCs while each affiliate is still overseen by its traditional functional regulator.

The Fed has to delineate the financial relationship between a bank and other FHC affiliates. Its primary goal is to establish barriers protecting depository institutions from the problems of a failing affiliate. To do this efficiently the Fed has to ensure increased communication, cooperation, and coordination with the many supervisors of the more diversified FHCs.

The Fed has access to data on risks across the entire organization, as well as information on the firm's management of those risks. Regulators will be in a position to evaluate and presumably act on risks that threaten the safety and soundness of the insured banks.

It would appear that the Fed has failed to curb housing inflation which played a role in this entire debacle then made matters worse and in their efforts or lack there of, to properly supervise banking institutions.

Finally the government, a.k.a. Uncle Sam, the big Kahuna 10,000 pound elephant etc. Where do we begin? How about with: 'Where were they?'

It now appears that after millions of horses are out of the barn (some horses ran, others were foreclosed upon) the government wants to step in with a bailout to save the rest. While nobody wants to see people lose their homes, the question that must be raised is this: What about all those of us who were responsible? Those of us, who scrimped and saved up a decent down payment, bought less-house than we could afford and who live below our means? Many of us drive older cars and keep them longer. We don't run out and buy the latest and greatest at inflated prices, we watch, wait and budget.

When the World Trade Center was attacked, families who decided not to sue received government payouts and we certainly don't begrudge them as I'm sure that given the choice, they'd prefer to still have their loved-ones over the money. The problem, in typical government fashion is that those who were responsible and had insurance policies in place received less than those who were irresponsible and didn't plan ahead. I'm not talking about dishwashers at Windows on the World and blue collar workers; I'm talking about executives, traders and people who should have known better.

Now our government, the same government that sat by idly watching as this bubble got bigger and bigger despite many warnings, wants to step in and bailout people who are in danger of losing their homes. There has been no talk about educating people, let's not teach people to fish, rather, let's give them a fish and bail them out once again at the expense of those who are responsible.

Clearly, by keeping the majority of the population financially ignorant, there is a lot of money to be made by the poverty industry.


About The Author
Richard Gandon is the Managing Director of The Financial Learning Network, dedicated low-cost online to financial literacy seminars. His 'Understanding the Stock Market" course was made into a CD-ROM and is in use in more that 50,000 classrooms nationwide. Every year since 1998, Richard has teamed up with a fifth grade class in Georgia to teach them about the stock market online. Richard has more than 20 years of financial services industry experience including as a broker, trader, licensing trainer and managed both a sales group and Central Inquiry, a Historical Equity & Index Research group at Standard & Poor's.

http://financiallearningnetwork.com/

Wednesday, March 19, 2008

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Monday, January 14, 2008

Why you Need to Start Advertising

Author: Kaitlyn Miller

You might be saying that now is not the right time to advertise because of a much slower economy and that corporate budgets have to be tightened more as an effect. Most business owners and agents would even think twice before participating on every trade show that comes their way. Those working on a budget would even point out that for trade shows that are necessary, some processes are much better off slashed as they are only added expense to the company’s marketing account.



Hence, more promotional flyers and color brochure printing pieces have been cut from trade show exhibits just because they were deemed unnecessary when the staff could better explain the business in person. As a matter of fact, these marketing collaterals are even reduced to just enough to entice prospective clients during the trade show.



But Business Week and other marketing sites online and otherwise have the opposite impression. According to them, now, in fact, is the best time to advertise your brand. In addition, attending a trade show without the proper pre-show advertising would just be a waste of time and money on your part.



Most corporate marketers and analysts would argue that building a relationship with your customers is more crucial than promoting the features of your products. In fact, with a much wider choice for your target customers, with almost everybody in your niche offering the same quality and service, it would be the best time for you to create and maintain a stronger bond based on consistency and reliability.



With studies showing that it is better to sustain your advertising efforts when the others are cutting back, more and more companies understand that they need to further their position in times of crisis to place themselves on a better level than the competition.



Advancing in your chosen business field is a matter of the company’s willingness to support their image. This would mean an advantage on your part when it comes to getting the pricing power in your business niche, and hence, your leverage with the bond you’ve developed with your clients.



This is considered looking at the long term rather than the short term benefits. Studies further show that those who stayed on course even during belt-tightening times have lost only 1% of their brand value as compared to the others who decided to forgo some of their marketing efforts.



Market analysts suggest then that in order to maintain your growth, you need to keep the pace in your marketing efforts. The more you change your schedule and goals the more likely that your brand would suffer. Now is definitely the right time to advertise to gain the edge you need to be successful.

Article Source: www.articlesbase.com

About the Author:
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What's the Best Way of Promoting your Products and Services?

Author: Groshan Fabiola

In a world where consumers are bombarded with an overload of commercials and ads and have therefore become ‘immune’ to them, aerial advertising emerges is the ideal solution for those who want to promote their products and services. Aerial advertising services are used for a lot of different product lines, from soft drinks to liquors and beer, from Broadway shows to television networks, from movie studios to radio stations, from airlines to financial institutions, from clothing lines to suntan lotions, from newspapers to websites, and so forth. The aerial banner of your company will be towed by a small airplane soaring at 1000 feet above the ground or 500 feet above water in places such as beaches, busy freeways, festivals, concerts, Indy racing, horse racing, conventions, World Cup Soccer, professional baseball, NFL football, etc. In other words, your company’s logo or slogan will be seen and remembered by thousands of potential customers.



Beach aerial advertising is one of the most successful ways of promoting your products or services to thousands of people. There are aerial advertising companies that provide nationwide services, which means that the beach aerial advertising services are available all over the United States. In other words, whatever beach you may want your aerial banners to be towed over, such companies will make sure that your message is delivered. We are talking about all US coast beaches, from California, Texas, Virginia, Massachusetts, Maryland, the Gulf Coast, and South Carolina to Florida, the East Coast, New Jersey and New York –Long Island. There are aerial advertising companies that can fly your banner over virtually any beach in the United States. Their beach aerial advertising services also include inland rivers and lakes and their beaches. Not only will your banner be flown over any beach that you desire, but they will also advise you as to which beach is most crowded and at what time, or when beach festivals are being celebrated, so as to reach the widest audience possible.



Traffic jams are also perfect locations for logos and slogans to be displayed on aerial banners. Rush hour traffic aerial advertising is said to have a huge impact on people. Furthermore, rush hour traffic aerial advertising is also one of the most cost-effective ways to reach your potential customers. As most of you already know, being stuck in traffic jams can be very unpleasant, and people will take interest in almost anything that would disrupt that irritating monotony. It’s not every day you get to see an airplane flying at low altitude, and people have the tendency to look up whenever they hear one. From this point on, the task is almost complete, as they can’t possibly miss the beautifully colored aerial banners with artwork, which will certainly draw their attention and deliver your message to your potential customers.



The good news is that a rush hour traffic aerial advertising campaign can suit even the tightest budgets, as the rates are very reasonable. In addition, the company banner will be seen by many people, as such aerial advertising companies know exactly when and where to find traffic jams.



All in all, aerial advertising is one of the best ways of promoting products and services, and beach aerial advertising and rush hour traffic aerial advertising have proven to be two of its most efficient components.



For more resources about beach aerial advertising or even about rush hour traffic aerial advertising please review this webpage http://www.arnoldaerial.com/

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For more resources about beach aerial advertising or even about rush hour traffic aerial advertising please review this webpage http://www.arnoldaerial.com/

The Selling Power Of Advertisements May Be Greater Than You Think

Author: Dror Klar

Today we are all inundated by advertisements everywhere. It does not matter where you are, where you go, or what you are doing, you are bound to run into advertisements of some kind. We can see them on television, it makes no difference if you watch yours through cable, satellite, or even on your cell phone, there will be commercials or advertisements that make you want to buy things.

That is what advertisement is all about. It triggers thoughts in our minds that make us feel a need for something. Even our sub conscience can not escape these commercials and ads. You can be driving down the road and see a fast food restaurant and become hungry just because there is a vague recollection of hearing about the latest special , even if you can not recall what it is.

There are many different forms of advertising, but almost all of them are affective in some way. There are billboards along our highways. Our newspapers are filled with them. The radio and television are flooded with them every few minutes. The internet is certainly not immune to them either. Even some channels and stations that claim to be commercial free, like some of the Public Broadcasting television channels, still advertise their station and have drives to raise money. They do have to get their support from somewhere.

One of the few entertainment sources we have today that is free of commercials is satellite radio. You pay for a subscription to satellite radio and that is the reason why you do not have to deal with commercials.

There are funny commercials and serious ones. There are long ones and short ones. There are always those that seem to come on or pop up every where that are so annoying. It can seem really ironic that the ones that annoy us the most are the ones that sometimes we pay the most attention to, evidently annoying works.

There are even special shows that come on network, cable and satellite now that are all about commercials. They can win awards for the best one of the year. We can see commercials from all over the world, as if we do not have enough in our own country we must endure, we actually seem to enjoy watching the ones from everywhere else too.

Whether we love them or hate them, whether we let them influence us or if we ignore them, they are there. They will probably be around forever. As long as there are people who need to buy things, there will be someone trying to sell it to us through advertisement of some kind.

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Dror Klar offers The Cheapest New York Direct TV , Dish Network and
New York High Speed Satellite Internet
on the web.

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