Life Success Learning to Create Positive Habitual Behavior & Overcoming Negativity

The first and sometimes most important success habit that must be formed is one of positive thinking. Dwell on the positive exit that's desired and avoid thinking about anything that's not wanted. Nothing will ensure failure faster than the very thought that the failure will occur. People say that it's absolutely normal for negativity to creep into our thoughts. Be that as it may, any negative thought has to be banished immediately and replaced with a positive one. This simple, yet effective technique, practiced regularly can help you move towards success like nothing else.

Forget about the past, it's gone and there's no going back. Regardless of what's happened before, today is a new day. Holding onto the past ensures that you'll stay right where you are in life. Letting go of past failures allows you to see the potential for future success and to move towards it. Realize that any past failures, real or imagined, were purely lessons that you thought to this moment in time. Appreciate the education you received and bravely move towards success with the knowledge you've gained.

Overcome the desire to put things off until another time. For most people that procrastinate, another time never comes. Things pile up over time and there's no way to catch up, adding to frustrations and even more procrastination. Whether it's taking out the trash or calling a client, get to it right away. Only by getting straight to work and finishing tasks can success really be accomplished. Practice this non-procrastinating lifestyle and you'll soon find not only that things are being accomplished, but that you have time left at the end of the day too.

Another important aspect of success is the ability to manage time. It can be very easy to lose track of time and difficult to get back on track. Keep track of everything you do during an average day and how much time it took to do it. Go through an entire week of this. Now evaluate and see what should be adjusted or eliminated for optimal time management. Continue to develop a schedule that allows maximum time for every activity. Include all your business and personal time in this and you'll soon find a workable and even profitable schedule for yourself.

Develop the confidence to go forth and conquer. Knowing a thing can be done and believing you can do it are two entirely different things. It's vital to your success and the success of all of your endeavors that you are confident in your self. Confidence shows through everything you do and it affects your ultimate success more than you think. Carry yourself importantly, speak with authority, be secure with yourself and walk tall. Believe in yourself and your ideas and present them with passion. Do these things and others will recognize your confidence and want to be associated with you.

Success is not a matter of predestination, it depends upon the will of the seeker. With the will to succeed, it's possible to do anything you desire. It really is as simple as that, despite the general tendency to believe otherwise. Over and over again, success stories appear that portrait down and out individuals that executed their own free will to rise above. Exert your will over the situations in your life, change them to suit you and your goals and success will follow.

What is success? Is it money, power, health or spirituality? Success means different things to different people. For some, success can only be seen in the form of financial gain and power. For others, success means a happy, healthy family with only the basics of life. Regardless of how it's defined, success is possible with the proper application of some basic habits and the development of key character traits.

Types of Garage Storage

A garage use to be a place we stored our yard tools and cars but today, things have changed. We use our garage as a personal storage unit and tend to fill up as much square feet as we can manage. Knowing this, we need to rely storage devices and containers to keep our garage as organized as possible. Here are a few types of garage storage devices you can install yourself and will help decrease clutter in your garage:

1.) Utility Shelves and Box Storage

When you organize your garage, you need to properly plan where you want to place your items. Using utility shelving is a great way to keep all of your gear in one area. They also allow you to utilize vertical space with multiple shelves. These shelves can be made from wood or metal and you can even find them in a home improvement store.

Using cardboard or plastic boxes is a great way to keep your smaller items that you can not hang together. Using the same sized boxes on shelving keeps your garage organized and is aesthetically pleasing to the eye. Make sure to label all of your boxes on each side so you can find your stored materials easily.

2.) Overhead Storage

We all can stack our items against walls but there is only so much space for that. Sometimes you can not find a shelf that fits a certain space in your garage so turning to an overhead storage device is a great option. Overhead storage is a great option to keep things out of sight and perfect for items you only use a certain time of year like holiday decorations, winter clothes, outdoor furniture or camping gear. They come in different sizes and work in different ways. Some are fixed to the ceiling, some use pulleys or cranks. You need to understand what you store and how you are going to access the device before you install the overhead storage.

3.) Storing Behind Your Doors

Our garage space is limited so you may have to come up with some clever storage options. Your doors are a great place to add a rack, a set of hooks or shelving to hang often used items. When you install, make sure they do not interfere with the door hinges or door handle.

4.) Small Storage Organizers

Although used in a small place, plastic organizers can save you a lot of time and are great for stowing screws, nails, nuts and bolts, and all of your other little parts around your garage. They can be stacked on shelves or stored in drawers to keep your work bench from clutter. It is also helpful to use these organizers as you will know where all of your items are.

You can also use old jars or labeled zip lock bags to store the small essential items in your garage.

Tips For Good Money Management

Learning how to effectively manage your money enables people to live comfortably within their means. Money management tips also allow people to increase their wealth, and the following money management tips can allow you to stay steadily in control of your finances!

First of all, you should set yourself a money management goal. A good money management tip like this is a means to an end. You must make your goal practically, however, and ensure that the end something that is in clear sight. Whilst your money management goal could be the prospect of having a comfortable retirement - you should begin with smaller objectives, like paying off a debt within a certain amount of months, or saving a particular amount of money within a chosen period of time. The satisfaction that comes with achieving a money management goal, motivates you to do more and more, possibly allowing yourself to have a comfortable retirement - and that's what makes this money management tip such a good one.

Secondly, it can be wise for you to know precisely what you have. You need to live within your means, and you must also understand exactly what your means are! Out of all the money management tips, this tip allows you to steadily monitor your cash flow, and allow you to see exactly how rich you actually are.

You should look specifically at any disposable income you have, in your pocket or wallet, or in any bank accounts. You must not include any sources of finance like overdrafts or loans, as extremely, that money is always owed to a creditor! Sometimes you have old bank accounts you have not used, or stashes of money left for a rainy day. Find these sums of money and include them in your calculations of how much money you really do have available to spend.

The third tip in a long line of money management tips would be to track any arm of income that you have. If there is at least one month's worth of old cheque stubs - you should add them up and divide them to see what your average incomes accounts to.

Even better, you could add them for a quarter of the year and divide this amount by the number of weeks in a quarter (13) - giving you a completely accurate view of your perception power. Perhaps you have not saved cheque stubs - so try it for four weeks. And do not just multiply your weekly wage by four, as you could well be forgetting sick days, or any other days you have not been able to make it to work, and even omitting extra income from any holidays.

Another in the long line of money management tips would be to track your overall spending. As soon as you know what money you have and what income you should expect you should be looking at where exactly your money goes. You could take one month as an example, and watch what you spend down to the very last penny. After a few weeks of doing this, you could well find yourself reconsidering some purchases, and wondering whether or not you actually need to waste your money on such things!

Strange Money Habits of Billionaires

I observed in general the world's top billionaire made their massive fortunes through multiple streams of income. Their secret to financial success is simple enough to replicate: find and turn on as many money taps as you can manage and soon you will be swimming in an entire lake of cash.

In this article, I will reveal a few strange money habits some of these super-rich folks have.

Interestingly, including having multiple income streams, a few of them actually opt for a life of frugality instead of flashy extravagance. In all likelihood, they need not worry about their monthly bottom-line anymore but unbelievably, they still take pains to spend carefully. Believe it or not, here's proof using a few examples:

1) Ikea founder Ingvar Kamprad drives a 15-year-old Volvo, flies economy, avoids expensive suits and eat simply at lower-tier restaurants.

2) Investor Warren Buffet (world's richest man 2007) lives in the same house he bought for just US $ 31k nearly 50 years ago instead of building a grandiose mansion with sprawling grounds.

3) British billionaire John Caudwell cycle more than 23 kilometers (14 miles) to work everyday to save cash (probably a few petrol dollars) and stay fit. He even cuts his own hair to save time and that extra few pounds!

4) Indian billionaire Azim Premji , owner of technology giant Wipro, serves food on paper plates in a lunch reception honoring his son's wedding!

I do not blame you if you have problems believing how incredibly frugal these billionaires are. If you're already self-sufficient in cash, try and experience for yourself some of their cash-saving habits. It's a little nutty but it's fun!

Otherwise, if you're hard on cash, why not learn from their cash-making habits instead. That is, through multiple streams of income.

Managing Your Money on Your Trip to Ireland

If you are planning a holiday to Ireland you will need to decide how you will manage your finances while you are there. ATMs and banks are widespread so you will never be too far from a source of cash.

If you are traveling from another Eurozone country you do not have to worry about exchanging currency. However, if you are traveling from the United States or the United Kingdom you will need to convert to Euro.

You have a number of choices on how you manage your money while you are away. The most traditional way to bring money is traveler's checks. However, this is one of the more expensive options with responsibilities as high as six percent, but they can be replaced if they are lost or stolen.

Making cash withdrawals is probably the cheapest and most convenient to access cash on your holidays. You can use your credit card, debit card or bank card to make withdrawals in Ireland. Most ATMs in Ireland will accept all three.

With debit cards or bank cards you usually pay a commission of about 1.5 percent. However, you can save money by lodging money into your credit card account before you go and withdraw it while you are away.

All major credit cards, including MasterCard, Visa and American Express, are widely accepted at shops, hotels and restaurants all over Ireland.

It is a good idea to buy some Euro before you leave your country so you have some money for essentials like travel to your hotel when you arrive.

However, try not to carry too much cash at any one time. Ireland is a reliably safe country but a small number of tourists are robbed there every year. Be vigilant and try to bring a spare card in case yours is lost or stolen.

What Cryptocurrencies Are Good to Invest in?

This year the value of Bitcoin has soared, even past one gold-ounce. There are also new cryptocurrencies on the market, which is even more surprising which brings cryptocoins' worth up to more than one hundred billion. On the other hand, the longer term cryptocurrency-outlook is somewhat of a blur. There are squabbles of lack of progress among its core developers which make it less alluring as a long term investment and as a system of payment.

Bitcoin

Still the most popular, Bitcoin is the cryptocurrency that started all of it. It is currently the biggest market cap at around $41 billion and has been around for the past 8 years. Around the world, Bitcoin has been widely used and so far there is no easy to exploit weakness in the method it works. Both as a payment system and as a stored value, Bitcoin enables users to easily receive and send bitcoins. The concept of the blockchain is the basis in which Bitcoin is based. It is necessary to understand the blockchain concept to get a sense of what the cryptocurrencies are all about.

To put it simply, blockchain is a database distribution that stores every network transaction as a data-chunk called a "block." Each user has blockchain copies so when Alice sends 1 bitcoin to Mark, every person on the network knows it.

Litecoin

One alternative to Bitcoin, Litecoin attempts to resolve many of the issues that hold Bitcoin down. It is not quite as resilient as Ethereum with its value derived mostly from adoption of solid users. It pays to note that Charlie Lee, ex-Googler leads Litecoin. He is also practicing transparency with what he is doing with Litecoin and is quite active on Twitter.

Litecoin was Bitcoin's second fiddle for quite some time but things started changing early in the year of 2017. First, Litecoin was adopted by Coinbase along with Ethereum and Bitcoin. Next, Litecoin fixed the Bitcoin issue by adopting the technology of Segregated Witness. This gave it the capacity to lower transaction fees and do more. The deciding factor, however, was when Charlie Lee decided to put his sole focus on Litecoin and even left Coinbase, where're he was the Engineering Director, just for Litecoin. Due to this, the price of Litecoin rose in the last couple of months with its strongest factor being the fact that it could be a true alternative to Bitcoin.

Ethereum

Vitalik Buterin, superstar programmer thought up Ethereum, which can do everything Bitcoin is able to do. However its purpose, primarily, is to be a platform to build decentralized applications. The blockchains are where the differences between the two lie. Basically, the blockchain of Bitcoin records a contract-type, one that states whether funds have been moved from one digital address to another address. However, there is significant expansion with Ethereum as it has a more advanced language script and has a more complex, broader scope of applications.

Projects began to sprout on top of Ethereum when developers began noticing its better qualities. Through token crowd sales, some have even raised dollars by the millions and this is still an ongoing trend even to this day. The fact that you can build wonderful things on the Ethereum platform makes it almost like the internet itself. This caused a skyrocketing in the price so if you purchased a hundred dollars' worth of Ethereum early this year, it would not be valued at almost $3000.

Monero

Monero aims to solve the issue of anonymous transactions. Even if this currency was perceived to be a method of laundering money, Monero aims to change this. Basically, the difference between Monero and Bitcoin is that Bitcoin features a transparent blockchain with every transaction public and recorded. With Bitcoin, anyone can see how and where the money was moved. There is some somewhat imperfect anonymity on Bitcoin, however. In contrast, Monero has an opaque rather than transparent transaction method. No one is quite sold on this method but since some folks love privacy for whatever purpose, Monero is here to stay.

Zcash

Not unlike Monero, Zcash also aims to solve the issues that Bitcoin has. The difference is that rather than being completely transparent, Monero is only partially public in its blockchain style. Zcash also aims to solve the problem of anonymous transactions. After all, no every person loves showing how much money they actually spent on memorabilia by Star Wars. Thus, the conclusion is that this type of cryptocoin really does have an audience and a demand, although it's hard to point out which cryptocurrency that focuses on privacy will eventually come out on top of the pile.

Bancor

Also known as a "smart token," Bancor is the new generation standard of cryptocurrencies which can hold more than one token on reserve. Basically, Bancor attempts to make it easy to trade, manage and create tokens by increasing their level of liquidity and letting them have a market price that is automated. At the moment, Bancor has a product on the front-end that includes a wallet and the creation of a smart token. There are also features in the community such as stats, profiles and discussions. In a nutshell, the protocol of Bancor enables the discovery of a price built-in as well as a mechanism for liquidity for smart contractual tokens through a mechanism of innovative reserve. Through smart contract, you can instantly liquidate or purchase any of the tokens within the reserve of Bancor. With Bancor, you can create new cryptocoins with ease. Now who wouldn't want that?

EOS

Another competitor of Ethereum, EOS promises to solve the scaling issue of Ethereum through the provision of a set of tools that are more robust to run and create apps on the platform.

Tezos

An alternative to Ethereum, Tezos can be consensually upgraded without too much effort. This new blockchain is decentralized in the sense that it is self-governing through the establishment of a digital true commonwealth. It facilitates the mathematical technique called formal verification and has security-boosting features of the most financially weighed, sensitive smart contract. Definitely a great investment in the months to come.

Verdict

It is incredibly hard to predict which Bitcoin in the list will become the next superstar. However, user adoption has always be one key success factor when it came to cryptocurrencies. Both Ethereum and Bitcoin have this and even if there is a lot of support from early adopters of every cryptocurrency in the list, some have yet to prove their staying power. Nonetheless, these are the ones to invest in and watch out for in the coming months.

Quality Student Resume Examples For College Graduates

There is no better time to start accumulating work experience than the high school years. Working part-time is very popular among them, and they usually choose to work in retail or hospitality. However the first thing they need to apply for a job is a resume. Below you can read a few resume examples and writing tips, so you can begin work immediately.

At beginner level, a resume has the role of citing an applicant's education background, experience and expertise. There are various resume examples that can be downloaded from the internet. Basically it has to have four parts: an objective, summary, work history and education. This structure can be changed if you wish, so if you do not have any work experience at all, you can leave that out and focus on your objective or educational background.

Think about your resume as an advertisement: you are selling yourself. If you observe closely the great number of resume examples, you will see that most of those do not give only an overview of the candidate's background, but also add valuable information. For example you can write that you studied at a certain school, but this might not be enough.

So if you have any extracurricular activity, or you did anything outstanding, you should also include that. This information shows that you have a wide range of interests and skills, and that you are an interesting individual.

Resume examples also show you how to write about previous work experiences. Simply writing a list of the companies and groups you have worked for might not be enough: again, you should focus on the outstanding things you did. For example do not forget to mention in your resume if you managed to figure out a method that speeds up order taking or to cook faster. If you talk about the advantages you've brought to an organization you can give a proof that you have initiative.

No matter how efficient and convincing resume examples may seem, you should try to tailor them to your individual needs. This way you can make sure that it is really relevant for the type of job you are applying for, and that your skills and experience will be put in the best light possible. If you manage to write a cover letter, you resume will be even better.

Are You Embarrassed by Your Sales Manager Job Description Skills? Here's What to Do

Supervisors, and especially sales managers, acquire their outputs from the group they manage. This requires behavioral attitude that enhance the company and accommodating attitudes.
• These abilities are created predominately from:
• An enthusiasm for individual needs and perspectives
• An eagerness to invest time and commit thought to analyzing states of mind
• A feeling of equity or reasonable management

RESPECT FOR OTHERS 'SPECIAL PERSONALITIES

Typically the business manager will have to work his or her way up in the company and will have to amaze product learning, a database of loyal clients, awesome thoughts regarding development of sales, and incredible compatibility with partners and customers alike. However, there is a likewise scope for experienced transactions directors to be parachuted into an organization to convey a crisp way to deal with dealing with the business department. Sales managers now and then decide and build up sales territories in accordance with the organizations' development plans. He or she will likewise be in charge of setting standards and sale objectives for the business officials and the business group in general. Successfully working in as the controlling hand for the business team, the business manager will likewise outline the staff's training programs, create methodologies for the business group to work productively and urge collections to outperform short-and-long term targets.

INBOUND MARKETING MANAGER JOB DESCRIPTION

If you're in a promotion department then you simply need to move to an inbound approach, it's conceivable every thing you'll have to demonstrate the accomplishment of your inbound marketing program. If so, you'll likely be looking to hire a holding nothing back inbound advertiser, someone who can build and grow your inbound marketing system starting from the earliest stage. Search for somebody who is exceptionally self-motivated and flexible ... also, completes stuff (what's more, in case regardless you're trying to persuade your manager to make the move to inbound in any case).

21ST CENTURY DEALS SUPERVISOR

The business profession has changed over the prior decade as an after effect of advances in IT, the expansion of correspondence channels and automation. "The administration job is trying to understand the change and sale supervisors are critical to its prosperity," says one encountered sales director. Sale administrators today should comprehend IT system, perceive the force of web-based social networking, and be fully informed regarding sales and customer trends. He or she will be great with figures and ready to analysis measurements and always monitor deal figures and the group's execution, as indicated by agreed KPIs.

CAPABILITIES REQUIRED FOR SALES SUPERVISOR JOBS

Employer hiring stuff tend to search for applicants with a bachelor or graduate degree in a business organization with a concentration in marketing. Education in business law, economic matters, business administration, bookkeeping, arithmetic, finance, and statistics will surrender candidates a leg on the opposition. Computer and Internet skills are likewise valuable for record-keeping and information services. Many business supervisors are promoting inside from the business executive part. A few companies likewise offer confirmation programs, a capability that is turning into a standard among managers. The Institute of Sales and Marketing Management offers a scope of Marketing and sales manager job description add qualifications for expert business people from little Awards to larger Certificates and Diplomas. These capabilities are on the Qualifications and Credit Framework (QCF) and are directed by the UK government education controller.

RESPONSIBILITIES

• Work with Marketing to assurance predictable lead era.

• Work together with sales manager to make and prepare prospecting process.

• Work together with sales leadership to make and prepare lead capacity handle.

• Hire high-performing business people as indicated by HR staffing rules.

• Prepare new sales representatives to guarantee achievement.

• Oversee everyday execution of all business collections and deliver reviews.

• Work with sales authority to produce thoughts for sale challenges and motivational activities.

• Lead and timetable week after week or potential month to month group gatherings with deals group and administration.

• When you hire, an employee must be stated in sales manager job description that that Prepare and guarantee adherence to sales handling.

Why Are Computers A Necessity Now?

Computer systems now a days are everywhere. We can find that in places we can not see or would not expect to find them. This gadget are no longer specialized tools used only by scientists or engineers like before. They are not hidden behind sealed-walls under a climate-controlled environments anymore. They are a fact of life that companies can not live without and even individuals like us. It is a common thread that ties together our education, work, and home life. Thus, computer literacy becomes significant, with computers touching almost every facet of our lives. But why is it that computer literacy is very cruel?

Why do we need to spend time and energy studying books, enrolling to computer crash course, and becoming "computer literate?" Technically, to be "literate" means to have knowledge of that subject, wherein you understand its basic terms and concepts. We are not born with such knowledge and abilities, but it is hard to imagine living without computer skills today. Considering the fact that Computers are an essential part of business today, whether you are an auto mechanic or a surgeon, a journalist or a pilot. Like cars, that take us to work everyday, we also rely on computers more with each passing year. If there are still who do not use computers regularly, chances are great that you will soon.

But who will be the one to benefit from computer literacy? First, is the increased employability. Here, the basic computer knowledge along with specific job skills are mainly considered by the employers because a person would be more trainable in and adaptable to the computerized work environment. Next, is greater earnings potential, wherein, as you increase your computer skills, you become more valuable worker, especially if focused on high-tech skills like programming, software / network administration, hardware maintenance and many more. However, it does not follow that you must be a computer expert to increase your earnings. Skills that involve application of the computer to specific tasks are highly valued. Another benefit is that, it has a greater access to resources. Always bear in mind that computers are incredible learning tools, especially when you have access to data on CD-ROMs or the Internet. PC can be used to access vast knowledge bases on almost any topic, search archives of information dating back decades, even take online courses for credit.

You will also have a greater control of your assets, by using the power of the Internet and even a little knowledge only of computers, you can manage your personal finances and indulge your interests in ways that were not possible back years ago. Here, you can control of every dollar you earn through online banking and investing. Online shopping as also another benefit that makes it easier to buy something without tiring yourself & spending so much time going to stores with yourself. There are also new technologies that enable you to monitor your entire household via PC - to set your air conditioner or alarm clock, start your coffee maker or sprinklers, and even activate your alarm system. With this range of growth of computer technologies, we can not deny that we now live in an information society - where information is considered to be an extremely valuable community. The key players in this information-based economy are those who control important information, or those who simply know how to access and uses it. Computer knowledge and skills you can build with that literacy are vital to success in this society, not just in our working lives, but in the ways we learn, manage our finances, and improve our standard of living.

Although there are still many professions that do not rely on computers, they are becoming fewer all the time. Remember that computers do not need to take the form of PC, so there is a good chance that your career path will bring you in contact with some type of computer because many of the tools in today's' workplace are computer technology. That's why it is very important to have a basic understanding of computer technology. No matter what your career choice is, you can benefit from a knowledge of computer hardware and software, and how these components function together. Even your job does not require you to work directly with a computer, this knowledge may help you to envision new ways of using computers in your work, that would result in a more productive work environment. This can also lead you to career advancement opportunities. But still, if you think that this case is overstated, that computers are not being used that much, you should consider that computers are popping up in places & professions that my seem unintentionally.

Owner Builder Construction Loans Made Easy to Understand!

Congratulations on your wise decision to build and / or contract the construction of your Dream Home! Provided you follow sound construction wisdom and building practices you will find this decision to be one of the most profitable and enjoyable experiences of your life!

One of the most vital aspects of the home construction process is the construction loan and it's structure! Over the last 3-5 years Owner Builder Construction Loans have come along long way and despite the sub-prime mortgage woes and credit crunch there is still plenty of money to be lent to owner builders! From a lenders vantage point, construction loans have proven to be some of the lowest risks, best performing loans for lenders because people who build a home generally LOVE those homes and are more likely to live in the home longer than non-owner built homeowners! So the first thing you want to understand is that the banks really DO WANT YOUR BUSINESS! (Provided you have good credit and assets!)

Qualifying for a Construction Loan is really not much different than qualifying for a standard real estate loan but there are some additional considerations that you need to think about. Things like the total cost, the type home of you will build and whether you will have Builder overs or not. I strongly suggest that at a minimum you pay to have a builder of record who assists and / or manages the construction site, trades and project for you. You also want to identify and gather all of your income, checking and other financial data so that you are well prepared for the application process.

There are (2) primary types construction loans:

# 1 - Interim Construction Loan - this is a short term loan, that must be refinanced or paid off entirely at the completion of construction. The downside to this particular loan is that your closing costs are higher due because you have two separate closures and they are higher risk because you can not lock the interest rate of your end loan. The primary benefit to an interim construction loan lies in that it allows you to pull out (or access the equity and get cash) of the home upon completion. In most states this is accomplished via a home equity line of credit. I personally only advise accessing this equity when you have had a basic assessment since the beginning of construction and / or you plan on investing the proceeds into good low-risk cashflow producing real estate!

# 2 - One-time Close Construction Loan - this loan is quickly becoming the industry standard because of the numerous advantages built into the loan. For starters, this loan has no interest rate risk because you can lock the interest rate the day you are approved and that interest rate can be reserved as far as 1 year in advance! (HUGE BENEFIT!) Another major benefit over the Interim Construction Loan is that the one-time Close Loan only has 1 closing so you only have to pay closing costs once! When structured properly you can also roll all of your soft costs (soil tests, surveys, engineering & plans) into the loan as opposed to paying them in advance out of pocket!

Now that we know what the (2) primary options are for financing our Custom Dream Home, let's look at some tips and strategies to be mindful of as you go about planning your project. Now there are several Owner Builder Construction Loan programs that will literally lend you the money and let YOU manage / build your own Custom Dream Home without any other builder oversight ! (certain states have Builder requirements) Personally I recommend against building without any builder oversight unless you are a builder yourself because the loans that allow this tend to be very expensive and most do not offer the One Time Close option so you end up spending several thousands dollars in additional interest and lender costs that could have been saved! I also recommend against this because it is an extreme amount of financial risk and liability to build a home if you have never built a home before !

Here are a few other money saving considerations to be mindful of respecting Construction Loans:

1. Structure your loan so that you do not have ANY payments during the construction period!
2. Add the "Float-down" option when locking the interest rate so that if rates drop during construction you can get the new lower rate!
3. Confirm your building schedule with your builder to ensure that you have enough drawings. (draws = check disbursements)
4. Be sure that you have a survey completed once the home construction has been completed. (the mortgage company will need it!)
5. Always add additional time to the interest rate lock period as construction always takes longer than planned!

Any one of the (5) tips above could save you thousands and thousands of dollars and a gang of headaches! I have seen people lose plenty of money and time because no one shared these Essential Owner Builder Construction Loan tips! But you on the other hand are well-equipped with this information but this still only scratches the surface of the full scope of building your Custom Dream Home! In my practice I see people who take the time and invest in their education and I also see those who throw caution to the wind and ignorantly jump in head-first with no guidance! Months later, the results always seem to show that the cream rises to the top and those who have not thoroughly equipped themselves, hired a professional team of experts and followed their advise seem to have lackluster results at best and a huge financial catastrophe at worst!

I wish you the best on the construction of your Custom Dream Home!

Free Online Blackjack Games - The Truth

It is common practice for online casinos offering blackjack games to also offer you blackjack bonuses. Blackjack bonuses are essentially free money in exchange for signing up or blackjack that has been played already. Free money comes in the form of welcome bonuses, deposit bonuses, sign up bonus, refer a friend and loyalty points. Another way that casinos offer you free online blackjack games is by offering you practice play sessions, 1 hour of free play as well as just for fun games. Of course you can not win real money from these games.

Blackjack bonuses are a way of enticing you to play blackjack online for real money at their casino. However online casinos are not charities they are running a business and all businesses want to make money. By giving you free money you may well continue to play just at their casino but they are aware that there are other casinos offering similar or the same free blackjack play online and you may play at their casino. More importantly though you may be a blackjack bonus abuser, that's someone who plays the minimum amount to cash in the bonus hoping to make a profit. Obviously casinos do not like these players and have rules to try to prevent this happening.

Next whilst most casino games are a game of chance now there is no possible way that you can win, blackjack is just a little bit different. Blackjack is a not a game of chance but a game of skill and there before it is absolutely possible to win. Using correct blackjack strategy means that a player can reduce the casino's edge and sometimes get an advantage.

For these reasons any free blackjack money offered as an enticement to join the online casino has a wagering obligation attached and why this wager requirement generally has to be sent on games other than blackjack. Any free money offered has a wagering requirement attached. Generally the more generous the bonus, or if it's too good to be true it's likely that they will have imposed a larger wagering requirement for the bonus. Again blackjack is a game of skill and can be won and for this reason blackjack games either or not count at all or count as a very low percentage towards meeting the requirement. These requirements are structured and in place to offset the risk that a casino takes by offering bonuses to its players. The casinos are simply protecting themselves by ensuring that you spend some money on other games within the casino before you run away with your winnings.

Of course it's not guaranteed that you will win, you still need to learn basic strategy and learn how to manage your bankroll. But the casinos still need to protect themselves. They do not want players who are excellent at blackjack strategy, unemotionally attached to any losses made and counting cards at the same time. The online casino would lose the free money they had given you plus whatever you won. Whether you can card count online is debatable because the deck is shuffled after every hand in non live games and half way through live games, meaning that a count can not be kept. It is extremely illegally that using this card counting method in live or non live games you will gain an edge over the house.

In summary free online blackjack games do not really exist in the form of a blackjack bonus due to bonus seekers, bonus abusers and the ability to beat the house with basic strategy. It is possible to find a free game look out for offers such as "Win Real Money - NO Deposit Required" of course these are hard to come by and you often need to e-mail them instead of just signing up, so it makes it a little bit more difficult to acquire and there are still certain restrictions placed upon these bonuses before you could cash out any winnings. Make sure you read the terms.

Freight Management Solutions

Business models of all sizes have complications. The goal of businesses in terms of logistics basically narrows down to having what the consumer desires, at a price they are willing to pay, in the quantity they wish for when they want it. That is not too much to ask right? Companies with issues in logistics are continuously searching for freight management solutions often times turning to companies that specialize in providing this service for companies big and small.

This is done in one of two different ways; third party logistics or fourth party logistics. Third party logistics uses outside companies to carry out the various logistic operations that have been accredited to being done internally. An example of this is when a company that has its own storage facility decided that it will now use an outside transporter to carry out distribution. Distribution was previously done by the company but in evaluating it was determined to be more cost effective to bring in a third party for this sector of the supply chain. This was determined to be an effective freight management solution.

Fourth party logistics is somewhat of a new concept. This is when a company determines that the freight management solution that desire is one in which the whole logistics procedure is outsourced to another party. This company has a sole purpose of providing logistic solutions to companies. They bring together their companies resources and technology and pair it with other organizations to plan out, operate and maintain a fully functioning supply chain.

The main difference between the two; third party logistics and fourth party logistics, is that the third party is specifically targeting one function of the supply chain solution where as with fourth party they manage the entire process from beginning to end. In general a fourth party logistics provider is a contractor serving the entire logistic needs for a company.

Fourth party logistic providers are the future of freight management solutions. Consulting companies are now offering so much in the way of cost savings and services to companies that they are becoming hard to live without. It is easy to see how needed a fourth party logistics company is when examining inbound logistics and outbound logistics. In smaller companies especially it is important to have support that specializes in all aspects of logistics. To pay specialized logistic personal to be on staff would not be nearly as cost effective as hiring companies, with a system already in place to help manage that piece of the business puzzle.

Inbound logistics is a basic process in the business equation which includes purchasing, arranging the movement of materials coming in, parts and finished inventory from suppliers to manufacturers, assembly plants and stores. Outbound logistics is related to storing and moving the end goods and information from the end of production to the end user.

The field of logistics is complex and absolutely integral to a business's success. Without the proper logistics in place a company could be losing money with increased shipping costs or improper communication through the supply chain. In order to give the client what they want, when they want it, at an acceptable price and time a highly functioning freight management solution should be maximized.

Money and the Laws of Value

One summer day a hen was on the look out for food on a farmyard. As she scratched at the straw on the ground, she unwrapped a diamond jewel. The hen suspect that the jewel might be valuable because of the way it glittered in the sun.

This object is probably worth a lot, the hen thought to herself, but I will trade a bushel of this diamond for a single bushel of corn. (One bushel of diamond is worth about 20 million tons of corn)

What is true for the hen is also true for human beings. People can not use money better than their level of appreciation of its power. If you are primarily a consumer you will only be familiar with the consumption power of money - what money can buy. An investor is very familiar with the reproducible power of money - How money can multiply. A business man is familiar with the production power of money - How money change forms into valuable products and services. Money has no power in itself to change your financial personality; it however has the power to magnify your financial nature.

Money as a Store of Energy

Money is a store of economic energy. Without the awareness, acquisition, organization, and perfection of these internal values ​​in any man, wealth creation in a sustainable manner is impossible. Poor resulting from lack of cash or tangible assets is temporary and easily curable; however, poverty resulting from lack of discovery or awareness of these internal sources of wealth is permanent and can not be cured by the acquisition or possession of money or tangible assets . Attempting to cure malaria by the use of pain relieving tablets is at best a temporary solution. Unfortunately, most people looking for money usually neglect and disrespect their internal primary source of wealth. According to Mark Victor Hansen "You do not have wealth, you are your wealth" ! The earlier you come to the full realization of this universal principle, the quicker you will be on your journey to financial success.

External sources of values ​​are those invisible assets outside a person that is reliably fixed and is accessible to every man equally. These include: Time, Problems, and Relationships. Everyman has equal access to these three variables; and they are unavoidable raw materials for the creation of every form of tangible wealth.

Money Creation Process

Three variables therefore determine the quantity of money a person can legally create over a given period of time: The number of internal sources of wealth discovered and properly harnessed; Amount of external sources of values ​​efficiently utilized; and how much of the outputs of the combination of those variables that is successfully delivered to those who need them in exchange for money. For instance, the income that an employee will extremely earn will be determined by how much of his talents, passions, and skills he is able to discover, improve, and convert to expertise. Combined with how well he is able to manage the time, opportunities, and relationships available in his work to generate and deliver the expected results consistently over a period of time.

Laws of Value

Since we now understand that, value is the source of money; and that money can not exist alone without corresponding value; understanding the principles and laws of value will enable us create and sustain money in a legal and enduring manner.

# 1 - Law of Value Flow

" In every human relationship or interaction value is always flowing but money may not"

Since value is an invisible carrier of money, you may be gaining or losing money without you being consciously aware of it. Every time you come in contact with or spend some time with people, you will either increase or decrease your cumulative value if or not money exchanged hands during such interaction. That means if you are in a high paying job, but spend a lot of time with people with poverty mind set or low expectation individuals; your net cumulative value will gradually reduce to reflect your dominant mind set. This will naturally reduce your productivity on your job resulting in stagnation or ultimate downsizing! Conversely, if every time you have a meeting with a prospect he comes out feeling he has added more value than he has during the interaction; he'll seek more opportunities to receive such values, on a more frequent basis - which means the consummation of a business relationship and the signing of contract!

On a daily or weekly basis, if your interaction or association is more with those who drain value from you without offering equivalent or more value in return, you will eventually become money poor.

# 2 - Law of Multiple State of Value

"Value like water has three states, as long as value keeps flowing, under the right circumstance and conditions, it will freeze to tangible money"

Many people get discouraged when they begin to offer value and they do not immediately receive the money equivalent of such values. Such frustration often leads to compromise, mediocrity in service delivery, untimely resignation, and quitting from entrepreneurial venture. But, think about it this way, it takes time for water to become ice in a deep freezer even under the consistent application of electrical power. Even when you are delivering value consistently, it takes some time for the value to be appreciated and recognized for its money worth by other people.

Most of the world's leading successful people have gone through times when the values ​​they offered were not immediately rewarded with money. Zig Ziglar in his autobiography stated that his first 3,000 speeches were given for free. Anthony Robbins - the restructured author and personal achievement expert said that "in his first six months as motivational speaker, all his statements were given free, and he had an average of 5 speaking engagement every day".

# 3 - Law of Value Exchange

"Value must be greater than or equal to price"

Think about the last time you paid $ 20 for your transportation fare. Was it because you liked the driver of the vehicle? Or because you believed that trekking the same distance will have more adverse effect on your health and finance. Human Beings are naturally selfish. They will not willingly give out an amount of money unless they have convinced them that the product or service will deliver to them more value than the price they want to pay for it.

Marketing is there an honorable service of helping people enjoy more value than the price they pay for the product or service that solves a particular problem in their life or business. A marketer is not a money taker; he is a value giver and a solution provider. Many technically sound people shy away from marketing their products with zeal because of psychological guilt fueled by ignorance of the law of value exchange. Not selling your product denies someone from enjoying the benefits it offers and slows down the growth of the nation's economy.

How To Manage Your Money In Any Market To Make Profit

Many Forex traders are unsuccessful for one reason: they over-trade. If you are not having success trading, you must first determine whether you are over-trading before adjusting your trading strategy.

The 3 questions that follow will help you determine whether you are over-trading.

Are you using too many strategies?

Many unsuccessful traders use between 5-10 different strategies and, of course, they do not make any money. The main reason for that is that, the more strategies you use, the less you can focus on the market itself. I am not saying that you shouldn't know the market or master your strategy. Those are essential to become consistently profitable. However, this may be an impossible task if you are trying to master 3, 5, or 10 different strategies at the same time.

Are you risking too much on every trade?

Understanding the amount you risk is of more importance than knowing/setting the amount you are going to make. Money management is the most important step of your trading strategy. Many traders go from being unsuccessful to being extremely successful by simply implementing a sound money-management strategy.

What do you do when you are making money?

Greed is your worst enemy. It is human nature, we often get greedy when profits are running high. I've been there, done that, but, at the end, ended up losing it all. Greed leads many traders to reckless acting and committing mistakes.

After asking yourself these questions you probably know whether you are over-trading. Over-trading is really as harmful as using a strategy that has a low ROI (return on investment).

Now let's discuss how you can prevent yourself from over-trading.

Establish a trading plan: Before you enter a trade you should always know where you are going to exit. You should also have a set of rules to gradually take profits, where your stop loss will be if the trade goes against you, and, as you gradually take profits, where your trailing losses will be.

Your trading style should fit your personality: this is very important because your money management strategy should emulate your personality. Every trader has a different tolerance for risk and, while higher risk may lead to high rewards, it may also lead to bigger losses. As a scalper you will probably set small percentages for profit in each trade (0.5% to 2%) and, as a swing trader, a bigger percentage like 3% or 4% is the norm.

Your trading style and personality should be the driving force behind the Forex strategy you implement.

The Truth About Making Money Online - It's Not Just About What You Sell!

There are plenty of scams regarding making money online, so when you are looking for a business opportunity, be sure that you are using common sense and research to your advantage. Remember that business is business no matter what the medium, and if you find a business opportunity that promises everything but does not make much sense, there's a decent chance it's a scam. But, when it comes to turnkey websites, there's little doubt of the legitimacy of the operational model and the income it can generate. If you've dreamed of owning your own business, this can be the chance of a lifetime as there is little to no start-up cost or overhead, leaving you with a sales facility that is easy to manage and limiting risk. Sound too good to be true? Welcome to the new dynamic in the digital business world.

As the economy continues to struggle, thousands are out of work and looking for ways to generate income. What many do not realize is that there's never been a better time to become your own boss. Consumers have proven time and again that they are electing to shop online instead of driving out to a retail park or shopping center. When you consider the cost of gas and the fact that prices are cheaper online because of the lack of overhead, it's a no brainer. This dynamic is why millions are making money online every day. But, it is not what you may think, as the income is generated through ad revenue as well as sales. The duality of the income is why it can be so profitable.

When you have a high-traffic website, the sales will reflect your visitors. However, this is not the only way websites are making money online. Instead, through the use of PPC advertising networks, they are also getting paid for every click a placed advertisement is getting through their site. Google AdSense is one of the largest operations offering this opportunity, but they are not the only player in the game. Through intense research or the use of an ad agency, you can place ads that may appeal to your customers. Should they click on one of the ads, you'll be getting paid. Think about this: you're making money when they purchase something, and then making money again through the advertising. This is obviously a very viable business model, and the new way of franchising through turnkey websites is changing the business world. Making money online can free your schedule for things like family and travel. Escape the rat race, and learn how you too can benefit from the digital marketplace.

How to Find the Perfect Vacuum Cleaner

Upright vacuums are cleaners that have wheels, or a ball so you can maneuver them around in front of you. The Vacuum cleans our rugs when the vacuums brush bar hits the rug and practically pulls the dirt out. If you want to use your vacuum on wooden floors you can switch off the beater bar.

Over the last ten years there have been massive innovations in the brush bar, and other vacuum attachments. If you can manage one and have a big or hectic home, a standing vacuum is the best choice.

The upright vacuums do have a few cons:

# Height: It can make already tall persons bend and slouch, which will make an injured back even more painful.

# Power: An upright vacuum can wrench the fibers out of certain rugs, you should check with your floor covering specialist to determine which vacuum will work best for your carpet.

# Size: An Upright vacuum is just too large to fit into certain small spaces such as corners or under shelving, you may have to use the attachments in order to get into certain spots.

# Weight: These machines are often too bulky and big to have to heft upstairs.

Do not ever try to use a vacuum on a stair above you, it could easily fall on you or over you and cause serious injury. It would be easier and safer to keep the vacuum on the ground and detach the hose to use with attachments to clean the stairs.

Cylinder Vacuums

The Cylinder vacuums are little compact machines that trail behind you on wheels while you use the hose. Suction is the main cleaning force behind a cylinder vacuum. These vacuums are light and condensed, so they are very useful for vacuuming stairs, which makes them perfect as a backup vacuum for the upstairs. Because they are little they are much easier to store, and can squeeze into corners and reaching the wall edges of your rug.

Cylinders vacuums are definitely not as good as cleaning as the upright vacuums, and they do not tidy the shag or high rugs as well. If your only real concern with these models is expense, there are low priced models that sell for under $ 50.

When your upright vacuum pulls fibers up, mainly in shag and twist pile rugs. All you have to do is trim the rug thread to the correct height.

A vacuum is a very vital cleaning mechanism. So if you would like to buy a top level appliance, this would be the one to get.

The accessories and unique qualities that are worth paying extra for are:

# Top range filters: These filters capture microscopic particles from the carpet and air including pollen and dust mite droppings that irritate and can make worse asthma and allergies. HEPA filters are the finest and have the best efficiency.

The filter however is heavily reliant on the bag emptying system being efficient. There is no reason to filter all of these microscopic allergens out of your homes atmosphere, to breathe these allergens in when you clean out the vacuum bag or canister. A bag less vacuum can let you breath in a massive amount of dust when you clean it out. If you're asthmatic, a better vacuum may be a sealed disposable bag system. This system makes it easy to clean out the bag.

# Bag-less cleaning systems: While these systems are certainly not for asthma sufferers. Although not for asthmatics (see the last paragraph) a bag-less vacuum lets you use the whole machine as a suction, it can save time and annoyances in emptying the dirt, and you do not have to spend extra money on buying a bag .

# Pet hair removal: All good vacuums can remove pet hair from the floor. A very pet friendly vacuum is one that provides a good way to remove fur from sofas and stairs. Certain vacuums have rotating brushes, that attaches to the vacuum hose so you can pull fur off of couches stairs and other upholstery.

Learn and Earn With Affiliate Marketing

Do not Be A Statistic; Learn And Earn Your Way To Success

Having invested four years or more of hard work in a degree, it is imperative that you maintain your skills and have work experience recorded on your resume. Use your marketing skills and earn money at the same time. Affiliate marketing will provide you with the opportunity to learn and earn.

I had been unemployed for a few months; every recruitment agency within a 20 mile radius had been bombarded with e-mails, phone calls and of course, had been provided with several copies of my CV. Never before have I been unemployed for such an extended period of time, and I have an extensive experience in my chosen field. The financial climate gives employers the upper-hand; This is an ideal opportunity for employers to choose the most experienced candidates, leaving those with less than perfect CV's at the back of the queue. I can only imagine what it must be like to be a student or graduate just out of university. I decided to trawl the internet for any home-based opportunities to earn some money, as my savings were being sapped, and my resources depleted. I spent a good week researching; affiliate marketing was the one opportunity that appeared to be legitimate. In the process, I had fallen foul to three scams; I did not lose a fortune, but any amount is too much when lost to a scam.

Affiliate marketing is the most lucrative online opportunity. It is not a get-rich-quick scheme, and you will not become a millionaire overnight; it requires hard work, dedication and motivation, but it is the ideal opportunity for those who might be unemployed, or anyone looking to top up their incoming, to tap into what is fast becoming, a booming industry.

Currently, there is no specific affiliate marketing degree or diploma, although this is likely to change with time. In simple terms, it is where a customer searches online for specific products and is directed by the affiliate to the required product via a link. The user clicks on the link and is driven direct to purchase the product or service on the seller (merchant) site. The seller pays the affiliate commission as a percentage of the total sales value and this can be anything from 15-75%. The affiliate must have the knowledge and know-how to find the right products for the right customers at the right time. Advertisers prefer to have their products marketed in this way because advertising costs only become effective when a sale takes place.

The golden rule of affiliate marketing is finding niche markets. A niche market is defined as a specific targeted product that satisfies the consumers requirements. It is highly specialized and requires much fine-tuning. Research is imperative; finding the right keywords will lead you to the right customers and products for that customer. It is possible to market a product in two ways; either by choosing a consumer and providing the product that consumer wants, or by providing a product and finding consumers to purchase that product. The affiliate finds the niche market, shows the product to sell, then chooses a marketing technique and then builds a campaign leading to action. It is possible to earn money online within any industry but the key is to provide the right product to the right person at the right time and for the right reason. Initially, you should promote a product, service or topic that you know something about, or at least, are interested in. You are more more likely to succeed if you are passionate about your subject; what graduate is not passionate about their subject?

You will benefit from joining an affiliate program initially; An affiliate marketing training program is the easiest and quickest way to lead you to success. There are hundreds of programs, and I have researched them all. Joining is usually free, and a reputable program should provide you with all the expert training, resources, research tools, market information, mentoring and support to ensure your success. The program should be able to turn marketers into sales machines, keep you ahead of the game and make you a force to contend with. Be aware of programs that expect you to pay considerable amounts to find out about what they offer. You would not pay a company to interview you; this information should be free. You will need to pay a membership fee for joining; this the norm, but in return your offer should include all the training and resources you need to start your business.

You will need products to promote, so will need to join an affiliate network. The beauty of affiliate marketing is that you do not need to invest in products to sell; you simply market and sell products already offered by merchants. Networks such as ClickBank, LinkShare and CJ.com are reputable networks. There are many networks to choose from; choose those offering a good rate of commission and confirmed payment method. These networks offer thousands of digital products but you will need to learn quickly how to master these networks and achieve the best possible sales potential.

You are far more likely to succeed in maximizing your potential through the use of your own website. Your website will provide you with an identity wherey you can market your products in your own style. You will also be able to target your products to specific markets and update your product offer when applicable. Your marketing efforts will be automated and therefore your earnings potential will be continuous. Websites can be built using free web development programs and do not need to cost the earth.

There are many marketing strategies you are able to use to promote your products; the affiliate program will train you to master these techniques. There are free marketing techniques and paid-for ones. Article marketing is a free marketing technique to get traffic to your email marketing campaign. By writing short articles and submitting them for distribution in the market you will achieve credibility. You will need to write unique, relevant quality content and also unique content. Every article contains a resource box and by-line, including the author's contact details. Writing good articles can achieve valuable backlinks to your site.

Other strategies include Pay-Per-Click, wherey you use advertising mediums such as Google AdWords to promote your offer. E-mail marketing will quickly build you opt-in mailing lists which are great for targeting specific products to customers at specified times, and you can utilize autoresponders to manage your e-mail campaigns. Search Engine Optimization is key to driving traffic to your website and achieving high page ranking with Google, Yahoo and MSN can bring huge amounts of traffic to your products.

Joining a program has other advantages; it will enable you to earn from the outset if you choose one offering promotion incentives; promote the program you have joined, and you are able to earn from day one. Take advantage of your skills and marketing capabilies; learn and earn to put that much-needed experience on your CV. I wish you the best of luck!

Slot Machine Strategies

Slot machine strategies were most prevalent with older machines that used mechanical reels to display and determine results, and the standard three wheel slots were limited in the size of payouts they could offer because there were only 1,000 possible combinations. Over time, with more reliable machines being developed, the number of symbols on each reel could be increased, thus reducing the chances of the jackpot being won. It was not until the 1980s, however, that manufacturers incorporated electronics into their machines and certain symbols could be weighed because altering the true randomness of the slot machine.

Video slots machines have no moving parts and allow for a more interactive element to be introduced such as advanced graphics and bonus games. The increase from three to five reels also means that the odds rocket to 300 million to 1 against - making the huge jackpots you see on some progressive slots possible. The idea of ​​being able to bet on multiple lines also came about at this time and players could bet on as many as twenty lines in one spin. To offset the feeling that the players money did not last long, the bonus games were supervised to keep players hooked for longer.

The payouts on slot machines vary greatly, and this is one area that players should consider when choosing which machine to play. Some pay out only 80% whereas other go as high as 98% so one of the primary strategic decisions to make starts is simply this - look at the payout rates.

If you are playing online there are not only a whole host of casino slot sites to choose from but an endless variety of games within each one. The single best strategy is to start with a site that offers the best new player deposit bonus and then loyalty bonuses. These can really make a difference to whether you end up in profit or not. Look in the right places and you can find 100% deposit bonuses and free money to test a casinos slots. With regards to the actual gameplay, there are no magic solutions to unlocking the jackpot.

Unlike the original machines that you could work out patterns on, the online slots use detailed algorithms to determine the payout so just play them for a bit of fun, and slowly work off any casino bonuses you are aiming for. If you do manage to score a decent early win, leave that machine and play another one. Do not make the mistake of thinking the next payout will automatically be even higher.

Key Benefits Of Affiliate Marketing

Since I decided to take the plunge 5 years ago and start working for myself as an online marketer, affiliate marketing has been the best thing I ever got involved in and is now part of my daily schedule.

It is without doubt something that all people who are interested in starting an online business or those who already have an online business, should investigate and take up.

If you are undecided or have little knowledge about affiliate marketing then I hope that you find the below information helpful and that it will clear up any doubts that you have over what the key benefits of affiliate marketing are.

1. Commission basis

For the affiliate marketer this is a key advantage as every time that somebody makes a purchase, the affiliate receives a set commission of the profit.

For the affiliate merchant this is an advantage as they only pay the marketer when they make a sale, so no money is wasted on marketing spend.

2. Huge audience

For the affiliate marketer - having built up various marketing lists or websites, they can make use of their huge audience base and ensure that the traffic they send over to the merchant is qualified and that sales are made, making the affiliate more money.

For the affiliate merchant - they receive access to a wider audience base than they may have had before, creating more interest in their products, resulting in more sales and all without investing any more money or time.

3. Ease

For the affiliate marketer - once they have set up their additional sites and links across to the merchant, it is very simple to manage and often affiliates will continue to make money from sales without having done anything for months.

For the affiliate merchant - they do not have to invest time and money writing content or creating expensive images in order to promote their services / products. Instead affiliates will apply to be a part of their program and all the merchant need do is have many affiliates all working towards promoting their products / services and wait for the sales to flood in.

4. Steady cost

For the affiliate marketer - building on the last point, an affiliate can keep receiving commission from sales of a product or service for years, despite not doing a lot of work to promote it. You do need to invest time at the start but then you have a regular source of income coming in for the market life of the service / product.

For the affiliate merchant - they set up all the costs so the chance to make a huge profit on sales without having spending much on marketing, is very likely. They do not have to pay their affiliates much per sale to make the business relationship worthwhile, as it promises to work best on a quantity basis so everyone is happy with the set amounts.

5. Brand Visibility

For the affiliate - there is a lot to be earned reputation wise from working with a range of brands and you will find that you get a lot more work should you be able to prove that you have succeeded with others in the past.

For the affiliate merchant - they receive free brand exposure on a continuous basis, which is never a bad thing. If you have many affiliates working on promoting your brand, you'll soon see a boost in search engine rankings and online sales; Amazon.com is an excellent example of where this has worked in the past.

6. Outsourced expertise

For the affiliate marketer - they get the continued experience to improve and work on their methods of online marketing, investing only their time, not money.

For the affiliate merchant - they will be able to utilize all kinds of affiliates who are experts in SEM (search engine marketing) and SEO (search engine optimization) without investing a lot of money, yet still managing to get to the top of Google rankings .

7. Transparency

For the affiliate marketer - through the various affiliate programs, it is possible to see exactly when sales are made and payment is automatic, so you do not have to worry about chasing merchants for payments.

For the affiliate merchant - they can see and manage their ROI (return on investment) extremely easily and do not have to worry about tracking the origin of each sale.

8. Online market

For the affiliate marketer - there are an endless number of affiliate programs out there and the demand for online shopping is not going to decrease, so the potential for affiliates is huge. You can access any number of markets with your affiliate work, whether you choose jewelery, hygiene, pet insurance or food.

Use long tail pro to find targeted long tail keywords with low competition, ensuring maximum affiliate sale for you.

For the affiliate merchant - as previously mentioned, online demand is not going away any time soon, therefor merchants are able to continue to expand product ranges to meet a range of online markets with the knowledge that they have a number of affiliates on hand to promote quickly and at a low cost.

9. Home-based work (aimed at affiliate marketer)

If you become successful in the world of affiliate marketing then it is entirely possible to create a long term Passive Income from it and a huge bonus to this is that you can work cheaply from home and be your own boss. You do not have to pay to sign up to affiliate programs and there are a huge number to choose from, all from the comfort of your own home.

10. Overcoming tradition (aimed at affiliate merchant)

Using affiliates to promote your products and services will guarantee that you receive a lot more exposure than you would by using more pricey traditional marketing methods. Having a number of affiliates promoting what you are selling and only being paid when a sale is made, is one of the most cost effective marketing methods ever as well as being incredibly successful.

The Rise of The Keyless Theft and How To Power Up Your Security

Auto theft rates have been on a decline for the last few years now, but a recent crime wave in the UK shows that modern vehicles with keyless technology are the new targets of the car thieves.

Keyless car entry is designed to provide convenience for owners but it is now being used by organized crime gangs and opportunistic criminals to break into and steal vehicles that are equipped with the technology. Over 85.000 vehicles were stolen in the United Kingdom with a staggering 56% rise in the number of stolen vehicles compared to last year. What is more worrying is that 70% of the owners claim they still had their car keys on them. Keyless car entry and engine start features are great examples of innovations in vehicle technology but the relay thefts show us that exploitation of technology will always be an issue.

A group of researchers from a German company called ADAC used radio transmitters to test which cars are susceptible to relay attacks. The Munich-based automobile club performed a study on dozens of cars to test a radio "amplification attack" that extends the range of unwitting drivers' key fobs to gain entry to cars and even start their ignitions. A whooping 110 cars from 27 different manufacturers were found to be at risk. ADAC says it successfully broke into 24 different cars, including European cars like the Audi A3, A4, and A6, BMW 730d, and Opel Ampera. It also found models like the Ford Galaxy, Kia Optima, and Toyota Rav4 were suspect, among many others. An ADAC spokesman told: "We are revealing this IT problem at more and more brands across different manufacturers.

So, how do the thieves make off with a car without needing the owner's keys? The relay theft essentially requires a device called a relay box and two people. The device performs a search for the radio signal generated by the key fob inside the house and boosts its range to 15 to 20 meters. One person holds the device within range of the victim's key while the other perpetrator remains close to the car. Normally, to prevent the abuse of keyless entry, vehicle computer systems have restrictions and can seek out the key signal only within a few meters from the car. The relay box tricks the car into thinking that the key is in close proxies and allows the criminals to break into the car and even start the engine. The whole process takes less a minute. Modern vehicles are costly investments and yet a gadget that costs only £ 30 lets hackers steal them without even breaking a sweat.

Thieves may seem to have the upper hand in this situation but let's not forget we live in a modern age where tech and security companies work tirelessly to find alternative ways to prevent relay attacks. Relay boxes need to pick up the signals from the key fob so the first order of business is to put your car keys in a container that blocks the radio signals. Securing the keys alone is obviously not enough; there are still adept thieves that can attempt to steal your car and with their experience, they might just be able to do it. That is why it is important to secure your car and delay the thieves as long as possible in the event of an actual theft attempt.

There are several gadgets and security systems that can help the car owners to fortify their defenses against these tech-savvy criminals. Manufacturers insist that modern-day vehicles are more secure than ever, but criminals prove them wrong all the time and that is precisely why car owners need to adopt additional security measures in place to prevent theft. Most car owners tend to think that car alerts are useless and they only make noise but as a deterrent, they are one of the best solutions on the market. It is worth spending some extra money on a high-end car alarm that can delay or completely dissuade the thief. Steering wheel locks are great visual deterrents as well. Cheap models may not have a chance at stopping the criminals but a top-quality wheel lock can give even the most accomplished thief a run for his money.

When it comes to car security though, there is nothing better than a vehicle tracking system. Vehicle trackers are armed with the best features to deal with the sophisticated thieves committing the relay attacks. State-of-the-art tools such as geo-fence zones, movement sensor, shock sensor and immobilization will ensure that no thief, no matter how experienced or skilled they are, will be able to get away with your car. And in case the worst should happen and criminals manage to steal your car, you can track the vehicle's precise location in real-time and inform the authorities. No other security system or device can offer the car owners the guaranteed safe return of their cars and that is why vehicle tracking devices are the best at what they do.

Common sense goes a long way in protecting your vehicle against theft attempts. People tend to be careless when it comes to their cars; they leave the keys in the ignition for quick stops, keep the doors open or leave valuable items in plain sight inside the car. You have to make sure not to provide a window of opportunity for theft and keep the security measures active all the time. Unfortunately, even the latest technologies have vulnerabilities that can be exploited by criminals. Cars, especially the new models, will always the preferred targets of criminals; that is why vehicle owners need to go the extra mile and invest in the best security systems on the market. Failure to do so might cost you an expensive car.