New Year Money Diet

January is the time of the year when we make resolutions and vow to be a better person, while getting rid of all (or at least most of) our bad habits. One way involves taking stock of our finances and the best way to do this is by going on a money diet.

What is a 'Money Diet'?

Just as how you'd go on a diet to cut out all the 'harmful' food from your meals, a money diet diet gets rid of all the 'bad' spending that you've been doing. Call it a financial cleanse of sorts, where you eliminate all unnecessary spending and end up saving more money. It will not help if you're a compulsive spender but it will do you good if all you want to do is tighten the belt after spending too much over the festive period.

How to do it ...

Make a plan

Start by giving yourself a time frame, so you can evaluate how you've done at the end of it, by looking at your expenses and savings. It's also good to set a target for the end of this time frame, say, to save $ 1,000 by the end of it. This gives you more motivation, just as an 'ideal weight' does when you're on a diet.

Cut non-essential items

It's fabulous to check out a new posh restaurant every month or meet the girls for martinis every fortnight but is this really necessary? It could be as simple as traveling the coffees you have every day from that nice cafe next to your office; a hot beverage from your office pantry is a better option here. One unplanned advantage is that you might realize you're perfectly happy without these things and actually enjoy staying in and cooking up a storm instead of going out to eat all the time. Or that you really enjoy staying in with a good book (from the library, of course) instead of going out partying.

Get support

Your family and friends will most likely be supportive of your money diet so tell them you're on it and you'll find it easier to cope. It also means that they'll be willing to spend time with you while doing inexpensive activities so you will not have to hibernate for the duration of your money diet.

Everybody, needs some amount of emergency cash savings in case their expenses rise unexpectedly in any given month.

How big depends on how variable your income is and how much you spend.

If you spend only 20% of your average monthly income, which only varies slowly, you'll need a much smaller emergency fund proportion-wise than, say, someone who can go months without closing a case, and who sees 60% of his average monthly income.

For instance, a tutor who earns an average of $ 5,000 a month may actually make between $ 2,000 and $ 7,000 each month- $ 7,000 during exam time when students ask for extra lessons, and $ 2,000 during the school holidays.

For this tutor, the ideal situation would be to keep his monthly spending to below $ 2,000. That way, he knows that even in the lean months when he does not have much work, he'll be able to comfortably cover his monthly costs. He can then feel free to save and invest the balance, after putting some cash in his emergency fund.

I hope these tips help your dieting.

Happy new year.

How to Pay Off Your Home Loan Sooner

Are you looking for ways to save on your home loan? Following these simple tips will put you on the path to paying off your loan sooner or if your goal is to purchase an investment property, creating equity from which you can draw on.

Increase your repayments amounts
The simplest way to pay off your home loan sooner is to increase the amount you repay. By repaying more than the minimum you can cut the overall term of the loan and save thousands of dollars in interest. The more you pay off earlier on in your mortgage, the more you'll save over time. Some products may charge you an early payment fee for paying your loan in advance. These costs can be large, so it's best to always check beforehand.

Consider how mortgage features can help
Think about how using an offset account or a credit card linked to your home loan might help you keep your loan balance low. If you're looking for ways to keep your interest down, it's worth investigating what other features your mortgage comes with.

Take advantage if there are variable rate cuts
A lower interest rate will reduce your repayments, but if your lender reduces the interest rate, consider repaying more than the minimum loan repayment amount. This can help you save on future interest payments. Do not pay the interest-only An interest-only loan may mean you're able to make lower repayments for the first few years, but this means your repayments will be larger when it comes time to pay off the principal.

Consider re-financing
If you've had your mortgage for 12 months or more, re-financing might be able to get you a better deal on your home loan. There may be costs associated with re-financing and it's important to take this into account.

Consider a split home loan
A split loan allows borrowers to divide their mortgage into both variable and fixed components. You can lock in a low fixed rate on part of your loan, if you only want to limit exposure to the variable rate.

Explore your options
Before you sign on the dotted line, make sure you've explored all of your options. It's worth looking into whether you can get a discounted loan rate with a financial package that includes special rates on other products and services. With just a few easy steps, borrowers can significantly reduce the length of their loan and save thousands of dollars in the process.

If you're interested in paying off your home loan sooner, contact your mortgage broker .

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.

How To Make Extra Money With Online Surveys

Are you looking to make a few extra bucks to supplement your monthly income? Do you want something you can take up in your spare time, along your regular desk job?

Online surveys offer you a great opportunity to do so. However, there's one thing you need to be clear about. You will not make a thousand million dollars in a month. The earnings are modest and in proportion to the amount of time and effort your invest.

Now, if you are seriously looking to fill out online surveys to make extra money, here's what you need to know.

Who's behind these online surveys?

Online surveys are part of a company's marketing strategy. Customer's opinions are very valuable in determining how and where to pitch one's products and services. Since many companies do not have the time and manpower to spare for such vital data collection, they outsource the task to data collection companies. These data collection companies get people to fill out these surveys in exchange for a cash bonus.

Avoiding the scams

Given the hype surrounding this online money making technique, the internet is filled with legitimate and illegitimate survey sites. Here, it is important to sift through them to avoid being swindled. One way to tell genuine schemes from fraudulent ones is whether or not they charge membership fees. No legalimate online survey site should ask you to pay a membership.

Before you register with an online survey site do your bit of research into how it works, which is the company behind it and how and when payments are made. Read up on reviews of past users to know about any problems you might encounter with the site.

How do online surveys work?

Online surveys differ in the way they are structured. Most require you to answer questions. A few require that you test the product as well. There are focus groups as well, which involve a face-to-face interaction. The surveys are based on a wide variety of commercial products ranging from grocery items to electronics to household goods. On most survey sites, you are asked to create a member profile.

Companies Involved in data collection look over your profile to see if you are the right candidate for the survey they have. Most of the companies will send you a link link via email or they might send you the survey via email itself. You need to be careful how you fill in the surveys too. If the company realizes that you are filling out the surveys for the sake of it, they will send you less.

Surveys take anywhere between 10 to 15 minutes to complete. The price for regular question-answer surveys ranges between $ 1 and $ 15. Focus groups and product testing have a higher alert potential; these surveys are priced anywhere between $ 50 and $ 100. The more surveys you fill out, the more you stand to earn. How much you earn also depends on how complex the survey is. As far as payment goes, almost online survey sites have a withdrawal threshold.

If you come across companies offering $ 300 for filling out a 20 minute survey, it should ring a bell for you. It is different where the companies offer sweepstakes. There are companies that offer larger prize money to active surveyors often requiring them to collect a certain number of points to participate.

Contrary to what many people think, filling out surveys is not only about making money doing nothing. If you are really interested, you get a chance to test new products and concepts before they ship out into the market. It's an opportunity to give your opinion and help others. Follow the right tips and turn this into a safe and lucrative money making venture.

Warning - Be Weary of Fake Internship Or Job Ads Online

It's tough to find jobs these days, but the internet has given job seekers an easy way to sort through job listings easily, even without spending a cent. However, once you take advantage of hunting jobs online, it can expose you to hundreds of job scams. Whether you're looking for a full-time job or internships, scams can be a very frustrating thing to deal with.

The people behind these online job scams are bad people; they will not care if you have been unemployed for years, how badly you need a job or how much money you'll be losing. The bad news is con artists evolve and create new scams every day. The good news is you can avoid being ripped off by learning how these unscrupulous people take advantage of job seekers, recognizing red flags while sorting through job ads and practicing safety during your job hunt.

Types of Online Job Scams

Job scams are not a new problem. A scammer works by obtaining his victim's confidence to make the job seeker an accomplice to money laundering without their knowledge or extract personal information such of the victim, such as full name, Social Security Number, financial details (bank account, credit card or PayPal information ), birth date, driver's license or other personal data.

Online job scams come in various forms, but the most popular ones include resume blasting, bogus job offers and cash handling scams.

o Resume blasting - With this kind of job scam, fake employment agencies offer employment guarantees within a fixed time period for a fee. What the victim (job hunter) does not know is that the agency is distributing his / her resume to thousands of employers, websites and other sources (in a process called resume blasting) in hopes of having companies send correspondence, which the fraudsters would use to scam new victims. Although such agencies provide a money-back guarantee as a way to bait victims, only few people ever receive refunds.

o Bogus jobs / internships - This is the most obvious and most popular type of job scam. With this kind of scam, fraudsters pretend to hire recruitment agents and advertise jobs with real companies or job boards, usually offering lucrative salies. Once these so-called employment agencies conduct a bogus telephone interview, they're pretending that the job is their parents and instruct victims to send money for their travel costs or work visa to an agent, who just happens to work on the scammer's behalf.

This scam has different variations, but they always involve sending money to agents or providing bank account / credit card details. Some fraudsters use personal information and sold to third parties for a fee or even used for identity theft. Be careful of bogus jobs because these fraudsters spend money to list fake jobs on legitimate employment sites or even host their own job board website to lure victims.

o Cash-handling / money laundering - With this kind of scam, fraudsters seek employees to handle their money laundering scheme without the victim's knowledge. Job seekers often answer to work-at-home job listings (usually as a collection agent or customer representative) set up by the fraudsters. Once hired, the victims are sent fraudulent negotiable that are to be distributed to various parties, assuring victims that they get to keep part of the money. Typically, victims do not know they have become part of a money laundering scheme, until they are caught by police.

Red Flags of Job Scams

Although there are often thousands of job scams online, you can learn how to avoid these scams completely by spotting certain red flags.

o Personal information requirements - Steer clear from any job listing that requests for your personal bank account, credit card numbers, PayPal account or Social Security Number. Some fraudsters even request you to scan an ID to "verify identity."
o Fishy Payment Methods - If you have not met an employer personally, but he / she advocates of having funds or paychecks direct-deposited, this could be a way to get a hold of your bank account information.
o Job Guarantees - Do not believe it if a company says you're guaranteed a job, especially if they are asking for an upfront fee. Nobody can guarantee that someone else is going to give you a job.
o Money laundering - If the job requires you to forward, transfer or "wire" money to another person, employer or "customer" and assures that you'll keep a portion of the money as payment, your job is a part of a money laundry scheme.
o Unprofessional job listings - Watch out for strange sentences with a lot of exclamation points, misspellings and grammatical mistakes in the job ad. Some scammers can sometimes become confused and post a job with a title that does not match the description.
o Employer Contact Details - Job ads that fail to list specific job locations, company location, or phone numbers, can be a good indicator of scams. You should also take note of the employer's contact e-mail address; scammers often use e-mails that are not primary domains. Watch out for contact e-mails using yahoo, hotmail or other free e-mail accounts, which can be easily replaced. Employers that do not provide contact details have a lack of interest in actually meeting you in person.
o Employer Response to Inquiry - If the ad sees legit, the red flags do not stop there. Once you've expressed interest through e-mail and they respond, look out for the name of a person / company that does not exist or a generic auto-response to all your emails. Also be careful of responses with a link that ask you to sign-up for various websites.

Monster.com lists descriptive words in job postings that are tip-offs to fraud. The list includes "wiring funds," "money transfers," "package-forwarding," "PayPal," and "eBay." Terms like "Foreign Agent Agreement" and "No Experience Necessary" are also used often by scammers.

Of course, if a job offer seems too good to be true, it probably is. Guarantees of high income in one week or other exaggerated promises of high pay can be tempting, but they're usually a marketing scheme to lure victims. To be sure, a quick Google search of the company name, job ad title or other details can save you a lot of time and frustrations in determining if a job is a scam or not. If you can not find information about a company online, please talk to your career counselor before going for an interview.

No Job is More Important than Your Safety

The Federal Trade Commission (FTC) estimates that as many as 9 million Americans have their identities stolen each year. Unfortunately, job seekers are often victimized by identity theft through job scams. Here are some ways to keep your identity protected:

1) File resumes online wisely - We encourage you to file resumes online, but it's not necessary to put your actual address on these resumes. In addition, do not include your Social Security number, driver's license information, bank account / credit card information, phone number, date of birth or passwords. Be aware that an email address is sufficient when sending resumes and employers will understand. When posting your resume online, read the website's privacy policy to see how your information will be used. Most legitimate companies have an application form, which is private for your actual address.
2) Practice prudent posting - Aside from resume banks, it is important to keep your personal information private. Online social networking sites enable individuals around the world to chat, share photos, recruit employees, date, post resumes, auction property and more. Because the internet makes it possible for all information about you linked with one another in a simple online search, anyone can gather these personal data and use it against you. If you would not tell it to a stranger on the street, do not put it online for the world to see.
3) Phishing e-mails - When you inquire for a job and the employee sends a response with a link to a third-party website, which often lands on a spoof Web site, asking you to provide personal / account information or download malicious software . Be very careful on what you click next because phishing emails are used to fraudulently obtain personal identification and account information.
4) Never send money - If a company is asking money to fill out an application, do not pay up unless you know the company to be reputable.
5) Analyze "work at home" jobs carefully - Although there are legitimate jobs online, most of these work-at-home opportunities sound fishy. Always check for the red flags when dealing with virtual jobs. If it smells fishy or spammy, such as someone offering you a job without a background check, face-to-face interview or verification of your references, then it probably is. All these axioms hold true when it comes to your safety.

Most importantly, check with the Better Business Bureau (www.bbbonline.com) to make sure the company is in good standing. If you follow these expert tips, it can greatly reduce your potential risk of being victimized by online job scams.

Our search techniques will reveal a lot of opportunities for internship seekers, but not all of these will be legitimate. Please be careful and remember that no internship or job is more important than your safety.

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!

Showing Gratitude - How to Be Grateful for Your Happiness

Gratitude begets happiness and happiness leads to gratitude. Gratitude increases happiness and frees or distances one's attention from sadness or negative thoughts and feelings. The more grateful a person is, the happier one becomes. Although happiness naturally comes in response to good times, gratitude for the reasons of such happiness has to be worshiped and practiced as it does not come natural. It is only when the attitude of gratitude is nurtured that it becomes a 'natural' and spontaneous response to happy experiences. So, how can one be grateful for one's happiness? It is by willfully demonstrating gratitude.

There are many ways to show gratitude depending on one's experiences and reasons for happiness. Lists of practical recommendations could me limitless. From experience, let me share easy tips which have helped me feel happier every day even in tough moments.

First, I show my gratitude to God. God already knows what is within my mind and heart and no thoughts or words are sufficient enough to express gratitude but I start my day by kindly thanking God who is the creator of my life and the author of my destiny. I am happy because I have life, I am still alive and journeying through life's roads. How can't I be thankful? So, in prayer, I silently count the blessings I receive and willfully thank in advance for those that have yet to come (which normally come due time). Part of the morning ritual is my prayer of Psalm 103: 1-5:

"Bless the Lord, my soul! Everything in me, bless his holy name!
Bless the Lord, my soul, and forget none of his benefits!
He forgives all your offsets, He heals all your diseases,
He redeems your life from the pit, He surrounds you with grace and compassion,
He contents you with good as long as you live, so that your youth is renewed like an eagle's. "

This prayer captures my gratitude for all that have been and my hopeful yearning for the good things yet to come. It helps me focus on the bright side of life in the light of faith especially when the going gets tough. As I am happy for being blessed, so I thank the prime source of blessings. By so doing, I feel even happier.

Second, I show my gratitude to people. Countless are the reasons for thanking the people who have contributed to make my life better and happier. From simple favours to enforced acts of generosity received, ways of thanking people are many depending on one's creativity. To my beloved ones near me (here in Brazil), hugs and kisses are deeply personal and culturally indispensable. To the ones far and away, messages and calls are a must. And to each one I meet each day, I show smiles, handshakes and hugs loaded with words of appreciation and intentional mention of the reasons I am thankful for. Simple words and gestures are often more than enough to make me and others feel happy and light. And when I can, I return the favors I receive by directly giving them back something or giving something to those who need it most.

Third, I show my gratitude to things. Yes, it is true. Things! Not only thank for them but also to them. Since there are countless things around, I single out some of them and highlight what they positively mean to me depending on the moment. I thank the cool air in the morning, the birds chirping at dawn, the trees that offer shades and filter, the car that takes me to places, the food etc. This practice, weird it may seem, just helps me feel happier through the day. Meanings change depending on how one attaches them to things or situations. I try to be grateful for the positive meanings things might mean to me and others. Otherwise, negativities in meanings and impacts abound to make one's life less of a reason for thanksgiving and joy. Opting for them is also a lifestyle but not worthwhile. Resistance to them is a defense of gratitude and of happiness itself.

Showing gratitude to God, people and things is nothing but a simple and less effortful demonstration of acknowledgment and appreciation for what one is and has become through them. Gratitude seems to cost nothing. More often than not, it costs a lot to one's happiness.

The Best Ways to Get Online Car Insurance Quotes

You should not be surprised to know that you can get online car insurance quotes. If you are interested in that, you have landed the correct page. Here, you can find a couple of tips for getting the comprehensive quotes for car insurance.

There are several websites on the internet, which provide online car insurance for you. You can contact them without any difficulty to provide you a car insurance quote by just signing up on their site. At the same time, the cheap online car insurance quote should not carry you away. Although the quotes are comparatively low, but the actual cost will depend on the condition of your car, its make and model and the mileage traveled. All these factors determine the present worth of your car for evaluating the insurance quote. For getting online quote, you will be required to furnish all the details of your car in a prescribed form to receive a correct quote.

Many insurance companies also provide the online calculators, which give you the online quote after filling all the relevant detail of your car. In many cases, these quotes may not be very accurate, as the company has not updated the calculator. This can lead to an incorrect and invalid quote in such a case. You need to confirm that the calculator is updated one. Although the companies may be renewing their sites regularly, it is better to take the quote as approximate cost that you may have to pay.

The very common car insurance companies also keep their agents who may contact you on phone for getting all the details of your car. You can confer with the agent to get online car insurance quote and find out all the relevant details and information including their payback policy that may be useful. You should not just sign up for a company based on their online quote, it is better to negotiate the discounts and bonuses and compare the overall cost with other offers.

One more option to get the online insurance quotes is contacting the online insurance providing companies on their toll-free 1-800 phone numbers. These companies work online, but it is better to ensure their policies for reimbursement. There are frauds as well. You need to be cautious about some fraudulent operators who may cheat you and swindle your money. However, there are reputed and reliable companies that provide online car insurance quotes; you should go for a company only after getting a proper feedback.

It is very essential to obtain insurance quote from a number of companies rather than getting a single quote. This way you can take the advantage to obtain the best offer and at the same time select a reputed and dependable company in this time of recession. Moreover, you should compare the offers and policies to make a best deal to meet your requirements after getting proper feedback so that you save the money and are not deceived. Always ask for the bonuses and the discounts offered by them. You have to put your efforts to get all the information about their reliability and best offers.

If you follow these guidelines, you can get the best online car insurance quote from a reliable company to insure your car to be safe and save your money.

A Birthday Is More Than Balloons - Involve Your Kid to Deck Up

Birthday, the word itself haunts a child to the world of dream. It will be much more exiting to your ward if you can involve his effort to decorate the Celebration corner. When a child thinks of his birthday celebration, some sights may flash on his mind. Perhaps it was the decoration that he saw in his friend's birthday or somewhere else. However his own birthday is the chance to execute those ideas and parents are supposed to encourage them to do so. It will not only be mere decoration but a way to enhance the child's cognitive development also.

Recycle the thrown out items-

We often throw out old containers, cans, papers, clothes and many more items. If you can store these recyclable things during the year and tell your child to make flower-vase, pen-stand, paper-fans, wall-hanging out of those; then there will be a good stock of decorative material to deck up the birthday floor. The child also gets to learn recycle, reuse, and his aesthetic sense will be increased.

Theme selection -

This time if you are going to throw a theme based birthday party, let your child select the theme. You may help him surely. But ask him to set a theme depending on some niche that he has learnt at school. Value education or moral science will be the best subject to find such themes.

Decking up the food corner -

It will be tough for a child if you ask him to cook for his friend. But it will be very much interesting to him if you give him a chance to deck up the dinning. You can instruct him to garnish the food platters or to decorate the tray of chocolates with tooth-pick and colourful thermocol balls. You can let the child decorate the birthday cake also with colourful candies. But never leave the child alone to do so, keep supervising. He can also arrange the plates, glasses, coasters, spoon and fork etc. It will teach him table manner.

Balloon decoration -

The first and foremost decorative item of the birthday party is balloons. Engage the kid to blow up the balloon and then help him to fix it on wall, roof or cabinet.

Streamer decoration -

Engage the child making various decorative chains of streamers. In his leisure time do sit with him and teach him to make beautiful chains out of those usual things. This will help your child to learn making incredible articles out of common ingredients.

Flower vase -

Let your child decorate the flower vases on his own. If he makes mistakes, then make him learn the right way and let him do again. This doing and undoing will help him out to enhance the sense of colour-combination.

So, here are some unique tips to involve your child to his own birthday celebration. Now let your kid engage with this and this time make his/her birthday the memorable one with a gala celebration.

Buy Used Car Tips

To buy used car is a great idea for saving money. Everyone knows that a new car lost 65% of its value in the first 5 years. But the case would be more extreme for a 1 to 2 years old car, it will lost its value 30-40%.

If you do not mind to drive a used car (I mean a 2 to 5 years old car, it looks pretty new) rather than a new car, you may save much money to pay many other bills. If you want to keep the car not too old, you may resell it after driving for 2 to 3 years and buy another newer one. The value of the car will only drop 15% or less for a 5 years old car. Therefore, your driving cost for 2-3 years would only be 10-15% of the car's original value.

The price quote above was only the price you buy from an ordinary car dealer. However, you can buy it much cheaper online.

Before entering the dealership

Before you step foot on a dealership lot, there are a few things you need to think about, including what type of vehicle you can afford, what type of car is right for you, and what your credit history consists of.

Once you decide on type of car you need it is time to do your research to narrow down the choices. A number of resources on this site can provide you comparison information rating of vehicles within specific categories. Compare such areas as safety, reliability, fuel economy, warranties, operating costs, theft rates, general features, and options when making you decision.

How to achieve the best used car price?

Do not buy the first thing you see, or in this case do not believe them when they say that they are the ones with the lowest new car and used car prices, they have to say that, it's their tactics! Be smart and do not enter the dealership without visiting some of these sites Cars.com, InvoiceDealers, Autoweb, Car.com, CarsDirect, Ford Direct and AutoUSA. Find out how much you can buy used car for and then go to your car dealer and let the games begin, of course on your terms! Do not be a dumb buyer as you are expected to be, do your homework if you want to buy used car at the lowest price possible! And one more thing, do not hesitate to buy used car online if your new car purchase quote from CarsDirect is lower than the car dealer. Click buy and they will let you know what is the next step, and in a few days your new car will arrive, and you saved your money and precious time!

There are many ways to buy car but only one is right!

A car dealer is not your only option - Online car purchase will save you time and money!

This is the best car purchase option you will ever find, because you will find everything you need to buy used car from the comfort of your home. The whole buy used car process can be done online if you know the right way, but we are here to show you how and where. Online you can find and choose your dream car, find specification options, finance options, delivery details, extended warranty, carfax record check, auto loan approval, your credit score and much more.

The Gold IRA Rollover: Learn How to Invest Like a Billionaire

It's been said that imitation is not only a great form of flattery, it's also the best way of learning and modeling on the success of others. If it's financial success you're looking for, what better role model could there be than a billionaire?

What Billionaires Know

Though their world views may have little in common, billionaires like George Soros, John Paulson, and Carlos Slim have all admitted to holding a part of their wealth in gold. Even Warren Buffet, who personally prefers what he calls "productive investments," admits that gold has served investors well especially during times of inflation.

Do you remember those dark, dark days of 2008 when the stock market's near crash caused retirement accounts to lose $ 2 trillion in a mere 15 months? Guess where your money could've been at that very same time gaining in value instead of losing it?

That's right, gold.

Had you purchased gold in 2001, by 2011 you'd have seen your investment grow by 700%. Let's say that again: a growth of 700%. This same decade was also one of the rockiest economic periods in human history. As the stock market fell, gold thrived. Why? Because when the stock market tumbles and big money investors look for other safer places for their money, precious metals is often where they go.

Could this all happen again? Well, today we're inside the largest stock market bubble in history. Many experts believe it's only a matter of time before that bubble bursts again. If you do not want to again see your retirement accounts lose their value because of another collapse of the economy, the time to change your investment process is now.

Why the Billionaires Own Gold

Gold is nature's hard asset. Gold has been civilization's store of value for thousands of years because gold is a tangible and finite resource with high intrinsic value. Gold is an alternate form of money all over the world. (It was mentioned in the Bible 417 times.) Gold is not subject to the sections of dilution and devaluations of other paper investments like stocks, bonds, and mutual funds. Neither is the value of gold at the mercy of governments or financial institutions. It can not be printed like money, and unlike stocks, it will not ever merge or split. Gold historically moves against the direction of the stock market. Billionaires know that gold is an excellent way to reduce the volatility and vulnerability in their capitals.

If you want to protect and preserve your wealth, there's no better place than gold.

When Is the Best Time to Buy Gold?

Many market oracles believe, at the time I'm writing this, that gold is in the final stage of a bear market. Some experts believe that at current prices gold is still undervalued by as much as 50%. This may be the epic rise that gold experts have been overing over the years.

But even if it does not experience an epic rise in value, gold is still a necessary means to protect the value and diversify the portfolio you've got.

The best time to buy gold may be now.

How to Bring Gold into your IRA

If you have a self-directed IRA , you can direct some of your IRA funds to be invested into gold. The only requirement is that the gold meets certain purity and refinement standards. The easiest way to invest in gold is through a self-directed IRA.

A self-directed IRA investment is like a regular IRA except that you the investor get to choose how your IRA funds will be invested instead of the trustees or custodian. This gives you flexibility to invest your money in whatever way you feel comfortable. It can also ensure that you are always aware of where your money is and how it is being invested.

In this IRA the gold does not get delivered to you once you purchase it. The reason for this is that delivery of the gold would be considered a disbursement of your IRA and you would probably be obligated to pay penalties. Therefore, once you've decided to put your money towards gold, you will then have that gold delivered and held for you at a designated depository. You will be informed when your gold reaches the depository and you will never have to worry about your gold ever being taken out of the depository or used by anyone but you.

Learn What the Billionaires Know

Billionaires may not have to worry about retirement 401 (k) s and IRAs, but the rest of us do. Now you can learn to invest like a billionaire by downloading our new FREE mini-course entitled "Essential Guide to Successful Gold & Silver Investing." This powerful course was designed to offer tips and expert advice appropriate for both the savvy investor and the beginner and could save you thousands of dollars in your own investing decisions. While you may not be able to live like a billionaire, at least today you can learn to invest like one.

Parking Sensors - 5 Information Tips

Parking sensors are becoming more commonly fitted to vehicles, but how do they work? Can a car's design affect installation and will they look factory fitted?

How Do Parking Sensors Work?

As the car reverses into space and moves closer to objects, an audible buzzer beeps more frequently.

This is usually achieved by four ultrasonic parking sensors fitted into the bumper of the car. They send out an ultrasonic wave, and if this hits an object, it bounces back to the same sensor. Information received is then relayed to the brain, allowing it to make the buzzer sounds.

Will Bumper Design Dictate Installation?

For most vehicles the shape of the car will determine where sensors are fitted. This is due to wide differences in design, between manufacturers and models of vehicles.

For cars with a center panel and separate corner bumper pieces that curve around the car, two low and two higher sensors are often necessary. If a vehicle has a metal panel behind the bumper, this usually means holes must rise above the obstruction, also avoiding interference issues.

What are the Differences Between Factory and Retrofit Fit?

Factory fitted parking sensors are the ones fitted to a car at the time of manufacture. Retrofit, often called 'After-market', are the ones fitted at some time after the vehicle was produced.

Factory fitted sensors have a certain look, devised by the car designer, which is difficult to recreate in aftermarket sensors. Retrofit devices are made for all cars from all manufacturers, and clearly have their own distinct look.

It could be argued that some of the latest aftermarket designs are better due to their small, discreet shape. They are also constantly being redesigned for better looks or usage, and not devised and forgotten like factory ones.

What Size?

Sensor heads are getting smaller. Small is definitely less intrusive although they may have limited color options, for example only available in black or silver.

Usually it is best to go for the smallest sensor heads possible, as once a hole is drilled it can not be made smaller.

Do I Need Front Parking Sensors?

Factory fitted front parking sensors are integrated into the vehicle's ECU. They will automatically switch on, and instinctively sense if you begin a parking manoeuvre. Aftermarket versions, with the same functionality, can be expensive and are not available for all vehicle models.

A realistic option for front sensors is to use a switch. This avoids the system becoming active when moving slowly, for example in a traffic jam, but means the driver switches on the system before beginning to park.

It is also worth knowing that generally drivers can see the front of their cars. This means that while rear parking sensors are a significant help when parking, the gains from front ones are limited.

Tips for DIY Carpet Installation

Before you decide whether to install the carpet yourself or hire a professional to do it, you should know that it can be a labor-intensive and time-consuming project. Make sure that you do your research on all the different steps that are involved in carpet installation when doing it yourself. The first thing that you will need to do is remove the old carpet and padding benefit it. Sometimes you can reuse the older padding but it is advisable to install new padding when you get new carpet. Before you rip up the old carpet make sure that you vacuum the carpet to help prevent excess dirt and dust from entering the air. You should make sure that you have all the necessary tools needed for carpet installation before you start.

Once you have the old carpet and padding underneath you need to vacuum the floor that was underneath. You will also have to remove all of the old tackless strips and then replace them with new ones. These are what help to hold the new carpet in place. If the strips are in reasonably good condition you can also reuse these. The first thing that you need to is put down the tackless strips and then your carpet padding. The carpet padding should overlap your tackless strips. You should use duct tape to seal the seams of the pads. It is important that you make sure that the seams do not overlap because this can lead to having lumps in your new carpet installation and can be a tripping hazard. Using a stapling gun staple the padding in place to make sure that it does not shift during the carpet installation process.

When doing DIY carpet installation it is very important that you make sure that the carpet is stuck tight against each wall before you secure it against the tackless strips. One tool that you will have to rent is called a knee kicker. This tool is used to force the carpet toward each wall. One end of the tool is padded so the one installing the carpet will kick, or hit, the padded end with their knee. It can be a very tiring job but is one that has to be done to make sure that the carpet installation looks like a professional has done it. You can also use a carpet stretcher, which is a simple hand tool that makes sure that the carpet is tight and flat against the surface of the floor. This tool is often used with other carpet tools like with the knee kicker.

Making Money Online - 4 Easy Ways to Leave Your Day Job For Good

Getting bored to work from 9am to 5pm? Nowadays, with the technology advancement, getting employed is not the only way to make a living. You can have great income by making good use of the internet at a very low cost.

Many people do not know how powerful internet is in assisting them to generate income. Let me share with you FOUR easy ways you can apply so that you can generate cash income easily at home.

· Create your own blog or website

Develop a unique website for yourself. It can be a blog or a website with detailed information about your products or services. How can you make money from there? You are suggested to sell the advertising space of your own website to other website owners who want to bring website traffic to their sites in the long run. In order to make your website more marketable, you are recommended to create a designated web page that will show your traffic statistics on weekly and monthly basis.

· Run an e-commerce store

The best thing about online business is you do not need to pay rental for opening a store. No operating cost involved at all. You can sell any stuff you like in an e-commerce store. What is more challenging here is how to get your customers at the initial stage. It may take some time for you to attract visitors to your website. It will be good if you are selling niche products which are "special and unique" in the point of view of the buyers. Once you have a regular stream of customers, you will be able to earn money easily. Orders will be coming in from time to time.

· Affiliate marketing

To start an online business, it is not necessary for you to sell your own things. Do not waste your time in creating your own products if you have not got ready-made products to be sold online. Affiliate marketing is your alternative. You will be able to earn cash fast by selling other people's products or services. You will be paid with commission or marketing fee by referring your friends or other people to certain products or services.

· Be a freelance web writer

Do you have good command in English? If yes, you are encouraged to write as many interesting online articles as you can. Then you can refer the readers to the sites of the products or services using affiliate links. You will get paid by the web owners. In general, you will be able to earn $ 3- $ 5 for writing one article. In general, the web owners are willing to pay more if your articles are able to generate more sales to them. Some web owners like to maintain same reporters in the long run if the articles written are good and convincing.

By going through the practical tips above, are you ready to make money online now? Start working on your business plan from today onwards and say goodbye to your boss!

Window Cleaning Tips

It's that time of the year again; the time families all over the world gather to celebrate the holidays. It's also the time of the year that the cleaning frenzy begins . With visitors coming in and out of homes and family members arriving for their annual visit, the holiday season often flies to revolve around bouts of cleaning rather than eating, drinking and being merry.

Window Cleaning - Tips and Avoidance Methods

When it comes to getting your home spic and span there is nothing more tedious than the chore of window cleaning. It's tedious, very rarely completely effective and difficult while balancing on ladders to get those hard to reach windows.

When it comes to window cleaning there are only three real options. You could hire a window cleaner to take care of it, you could spare the additional cost by cleaning the windows yourself , or you could fit the revolutionary new self-cleaning glass .

To keep your windows looking great and streak free you will need to ensure that they are cleaned often, thoughever tedious this may be, it is necessary to maintain the aesthetic functions of glass windows. If you are going to attempt cleaning the windows yourself the following window cleaning tips may come in handy.

Window Cleaning Products

It is best to try a few window cleaning products before you decide on a firm favorite. Options vary from store bought to home made solutions .

Many use products such as ammonia, vinegar, borax, alcohol or Epsom salts for cleaning glass. Home-made window cleaning solutions include club soda or a 50:50 vinegar and water solution which is particularly effective for really dirty windows .

One of the best window cleaning tips I can give you is to never combine an acid with an alkaline when making your own solution. Using an alkaline and acid (ie vinegar and ammonia) will just cause a neutralizing effect and you'll be right back where you started.

The Cleaning Process

It is best to clean your windows on a cloudy day as direct sunlight tends to dry the solution you are cleaning your windows with quicker and you'll be left with lots of unsightly streaks and a lot less good humor than you started out with.
Before you start cleaning the windows, wipe off all excess dirt - all that dust just turns into mud once water is introduced and the windows become harder to clean. Once you have dusted, use a hose to spray the windows and then spray on your choice of window cleaning solution.

You could use a squeegee or a cloth to clean the windows, a squeegee, however, will allow you to do it in less time. Once you have washed the windows it's time to dry them, you can do this with a squeegee but make sure that the blade is kept dry with each stroke.
A great window cleaning tip for those ambitious enough to be cleaning the interior and the exterior glass is to use different strokes on each side . By using vertical strokes on the exterior glass and horizontal strokes you'll be able to see which side of the glass the inevitable cracks are on.
Most homeowners choose newspaper to dry the glass once clean, while it's cheap and quite effective, newspaper disintegrates quickly and tends to leave deposits on the glass, to avoid this use a dry cotton towel. If you are using newspaper, remember to wear gloves as the ink tend to get rather messy. Once the glass is dry you can use a blackboard eraser to achieve a great shine .

Stubborn Dirt Removal

For deposits of paint, resin or glue; wet the surface and then scrape them off using a razor blade or scraper. Take care to scrape in one direction only in order to avoid scratching the surface. Important: do not use sharp implements on self-cleaning glass .

Winter Window Cleaning Tips

It's easy to keep frost from accumulating on exterior windows during the winter by adding two cups of antifreeze or rubbing alcohol to each gallon of wash water when cleaning glass.

Avoid Window Cleaning Entirely

The best way to just avoid external window cleaning is strictly to have self-cleaning windows fitted in your home. Sound too good to be true?

Here's how self-cleaning glass works - an ultra-thin coating is applied to the glass during the manufacturing process; This coating has two highly beneficial effects on the glass . First organic residue on the glass is broken down by the ultraviolet wavelengths in sunlight then when it rains the dirt is washed off. As the coating is hydrophilic, when rain hits the glass it does not form droplets and in turn eradicates streaking. Rain water flows down the glass in a sheet and washes the dirt away . If you do not have time to wait for the rain a simple garden hose will be just as effective.

Self-cleaning glass is making life far easier and is giving home owners many reasons to use glass in the construction of their homes. What could be better than bright, open rooms with excellent outdoor views facilitated by huge glass sheets, without having to spend your days cleaning the glass?

Life's A Stage: The Tips And Tricks Of Grease Makeup

Whether you are thinking about using grease makeup for a theatrical event, a special Halloween party or some other occasion, you need to know what products are out there and how to apply them.

While grease makeup takes more time and preparation than regular water-soluble face paint, it also lasts much longer. Most importantly, grease makeup will not fire or run under hot lights or conditions where you might perspire. With grease makeup you can create a more dramatic and even professional look.

In addition to your grease face-paints and pencils you will need:

• face-cleanser or cream cleanser and / or baby shampoo
• clean towels or paper towel
• clothing cover-up and hair-ties or shower cap
• possible shaver for men
• mirror if you are not working from home
• good quality painting brush, powder brush
• professional setting powder, talcum or baby powder and applicator (see below)
• Q-Tips or fine painting brush, tissue paper, paper towel are all handy
• Other items that you might also consider:
• light moisturizer
• baby oil (to fix mistakes after painting has 'set')
• charcoal pencil for eyes
• mascara
• sponge
• mister or water-spray
• glitter and other decoration

Before you start applying the makeup, you need to prepare your face so it goes on smoothly. Thoroughly clean your face, tying back hair where necessary, and for men, have a shave. (Bearded men can apply grease paint makeup but it can be tricky keeping it out of the hair.) Remember that grease makeup will stain clothes, so put on an old button-up shirt. After your skin dries, apply a very light moisturizer.

Working with the lightest color first - usually white - and a good quality brush or sponge, or your fingers, you can outline the area and then fill it in. Alternately you can paint following the contours of your face. The grease makeup may not go on smoothly if it is too cold, which you can remedy by putting a little dab of the color of in the palm of your hand for a minute. After painting, use your fingers to 'pat' the makeup into your skin.

Unlike water-based makeup, grease makeup requires you to paint your face and then 'set' it with a professional setting powder, or baby or talcum powder. (If you go with talcum, be sure to confirm beforehand that you do not have an allergic reaction to it.) You can 'set' the grease makeup either in stages following each color's application, or at the end of all the painting. Some people prefer the latter, applying all the colors before setting with powder, because they can fix mistakes more easily. The downside is that you risk mixing colors accidentally and smearing your work.

Whether you're set in stages or at the end, one reliable way to apply the powder is to partially fill a small, clean, cotton tube sock with the powder, tie it up, and then gently dab your face. Allow the powder sit for a half a minute or so before dusting the excess off with a powder brush. The painted areas should no longer feel moist or sticky - if this is not the case, you probably need more powder. Once the grease makeup has set, it should be fairly smudge-proof. If something needs correcting at this point, you can use Q-Tips soaked in baby oil, but remember that neighboring areas could now be smudged.

Be careful not to apply the grease face makeup thickly or in layers. If you do have too much in one spot, press down on it with your fingers to smooth it out. Continue to refine your face, using Q-Tips or a fine brush for the smaller areas. Grease pencils also can be used for the face, charcoal pencils for the eyes, and do not forget color for your lips too!

Allow the grease makeup to thoroughly dry, and apply a last light coating of powder, dusting off any excess with a brush or tissue paper. A damp cloth at the end can help remove the excess powder, or spray with a very light mist of water. In warmer climates you can probably skip this step because the extra powder will absorb any perspiration.

If you are applying glitter, it should be done at the very end. Generally glitter is most effective when applied over the eyes or on the cheeks, A glitter gel is often used instead of dry glitter to minimize the chances of it flaking into the eye. With dry glitter, first slightly dampen your face and cheeks, then 'poof' on the polyester glitter. Remember to let the makeup settle for about half an hour before you go out. If you have stray paint on your eyelashes, cover it with mascara.

Products available

For just about any type of face design you will need at a minimum white greasepaint foundation and a black greasepaint pencil, but of course there are many colors in between and you will probably want to try at least a few of them. The leading producers of grease makeup are Mehron and Ben Nye. Mehron grease makeup is focused on the theatrical professionals who want ease of application with good coverage. Ben Nye also appeals to the same community, although Ben Nye grease makeup is actually a cream. Grease face makeup comes in a range of forms, from palettes (generally sold as a kit), to individual liners. Pencils, crayons and sticks are useful for smaller areas of the face. Both Mehron and Ben Nye also make eye-shadows, blushes, a range of glitter and setting powders and sealing mists. You may also want to consider sweat-blocker sprays for the face to help reserve the greasepaint under strong lights or in a hot environment.

Learn How To Make Money Online

Do you really need to learn how to make money online? I've read about Get-Rich-Quick schemes, so why in the world should I slow down my money making effort? The word 'learning' itself indicates hard work, time spent away from your usual day activities, lesser sleep and usually, there is no fun factor to it. Learn how to make money online? Nah!

Did I realize that I had to learn how to make money online? No I did not. At least not when I first started. I chose to make money online quickly. Guess what I did? I bought a Get-Rich-Quick program! Did it feel good knowing that you are on your way to earning big bucks fast? Definitely! Did it work? Unfortunately not! I did not even come close to the vicinity of success. What did you learn from all this? I need to learn how to make money online! Period.

I consider myself lucky that I only bought one get-rich-quick program. Why? Because there are others who fall for one after another. Along the way I did purchase an affiliate program, which to my horror simply ditches you the moment your payment came through. I could not even get the package to work and I could not reach them at all! I cannot begin to tell you how angry and frustrated I was. I paid $97 for nothing! It may not seem like a lot of money to you, but to me it was an expensive mistake. Never came across my mind that I could actually fall victim to a make money online scam. Always thought of myself as a careful person but I guess with scammers getting more intelligent these days, no one is spared. If it's any comfort at all, to myself at least, I am glad that these mistakes I made happened within a short period of time. It's better to make a mistake early, realize it early, learn from it and move on before investing too much time and money. Looking at it positively, I ended up learning how to make money online!

On the Internet, there are many tips to learn to make money online, learn how to make money online guides, secret to making money online and the list goes on. No harm reading. You could even pick up some very useful information. There are plenty of ways to learn how to make money online. The difficult part is choosing which suits you best, especially when you are new to Internet Marketing. You can find many techniques to learn how to make money online but what is more important here is to understand the whole process. I am a living example of someone who plunges into Internet Marketing without understanding the process. I thought I have read enough to understand how to make money online. It was only later did I realize that I did not understand enough.

So how crucial is it to learn how to make money online? I say, and I believe many other Internet Marketers will agree, that it is very crucial indeed. Remember this. When you purchase an ebook to learn how to make money online, you are learning about how this particular 'guru' made her/his money, her/his way. While it worked well for her/him, it may not work for you. You'll complain about it for a while and as these products usually come with money-back guarantee, you end up asking for refund. And then what? Next? Bought a few more, spent a few hundred dollars or even thousands, digesting each and every one of these ebooks and then try to deduce what works, what does not, how to start and where to start. You have invested lots of time and money, are you certain that you have made the best deductions on how to make money online? You can confidently answer 'yes' if you have made the money online again and again. After all, you are looking for a long-term income and not just some quick unsustainable income. Right?

For those who are just starting out, there are many credible ebooks available to learn how to make money online. Implementing the techniques taught is what I find most newbies are handicapped with. It does not get any easier when you are doing it alone. Some people are naturals. I fall into the category of the majority; people who need help and guidance. I took my first 'real' step to learn how to make money online by enrolling in an online 'university'. Finally, I patted myself on the back for taking that first 'real' step. I have chosen to educate myself to learn how to make money online. I am not a millionaire... yet (hey! I'm allowed to dream you know) but I am no longer far from the vicinity of success. I am success!

How to Get Powerful Answers Online From a Trusted Psychic on Love, Money, Destiny and Problems

Uncertainty surrounding us all and as recent events have shown, the energy in the world continues to pull in different directions. We can regain some control and clarity however, by seeking strong answers to our questions from a psychic.

One way is to visit a psychic and have a reading done in person. This can involve traveling and intensive research. I've seen several alternative wellness exposures with large numbers of psychics in attendance, but depending on the size of the event, the psychic can either be relaxed and focused or harried and distracted.

An increasingly popular alternative is to consult online with a psychic.

No travel is involved and the internet allows access for all people. Another great advantage is the convenience of writing and submitting your questions in advance, which gives the psychic ample time to prepare. There is no closing time to contend with.

With this in mind, here are some great tips to ensure the psychic can get a strong sense of your energy and you get the powerful answers you want.

* Always include your Christian name and date of birth.
* Provide a photo image.
* Provide the name / date of birth of any other person you are asking about.
* Concentrate on what, why and how questions. Psychics can provide advice on how to deal with the situations you face both currently and in the future.
* Do not get stuck on when / where questions. A psychic can not guarantee dates or times for things to occur.
* Make your questions understandable, with no room for confusion or them having to interpret some hidden meaning.
* Provide as much other information as you feel is necessary.

Now you have a great approach for asking your questions, let's look at how you can utilize the information in your reading in the best possible way.

The biggest thing to remember here is that you have the ultimate power in your life and the information from the psychic is designed to help you with the situations you face in life. The power of choice is still very much yours and the information is there to help you make better choices.

Finally, if you notice some elements of the information from the psychic are negative, keep in mind 2 things.

1. The situation may result if no changes are made by you.
2. The choices you make with regards to the information acquired can create a whole new arrival.

In this respect, seeking guidance from a psychic is a powerful way to identify and implement the positive changes you want in life.

Work From Home - Make Money Online With eBay Store

By now you have probably heard plenty of success stories of people that have managed to utilize eBay to make money. The degree of success varies, but generally speaking there are certainly enough tales of financial gain out there to make anyone with even a tiny bit of entrepreneurial spirit perk up and wonder if they too could pad their income through eBay. The problem that most people run into, however, is that even those with a keen business sense and a natural talent for knowing how to find a make a sale do not typically know the tips and tricks that must be used on eBay to get a leg up on the competition.

While it certainly matters what you are trying to sell, there are other factors that will affect your trends of success. Understand that you are essentially using eBay as a store front and many of the traditional rules of making a sale apply. You have to be able to make yourself available to the customers, show that you can offer a better deal, and generally find a way to attract all of these different consumers to your product. Obviously, if you are not selling anything you will not be making any money; very soon you will most certainly need to begin mastering the different tactics that successful sellers use to attract customers to their listings, but before that you must become acquainted with the most basics of eBay.

What you want to do with eBay will determine how you need to approach the entire of your situation. If you intend to mainly use the service to attempt to try and sell a few items that you just have lying around the house then you might be well served simply by creating a few listings with catchy titles and allowing the bidding to resignation. However, if you are going to be using the service often or to sell several items, you may consider some of the other options that eBay offers. For example, one popular option that is offered is the ability to create an eBay "store".

If you tend to offer items along a particular theme, antiques, for example, then a store can provide users a quick, easy way to peruse your wares and to frequent your offerings on a fairly regular basis. This provides you with the opportunity to have a base of interested customers that are constantly updated on your new items and what you have to bring to the table. Additionally, as with most other eBay items, you do not actually have to offer the listing as an auction; it is completely within the realm of possibility to price the item yourself at the amount you would like to charge using the "Buy It Now" option. You can even offer your customers the option to haggle a bit by allowing them to make an offer; you obviously have the option to refuse this offer, but you might find yourself able to make a sell if you are willing to compromise a bit.

This, essentially, is what you need to know if you are new to eBay- that the basic styles of selling an item are a traditional auction style, where the item goes to the highest seller at the end of a set amount of time, and a very store-like option where you set the price and wait for an interested party to come along and make the purchase. Knowing these things is a good start towards making money on eBay, but these are just the fundamentals.

How you present your item could very well be the key factor in whether or not you are able to profit from your eBay venture. As you know, if a customer is unable to find your item they will, obviously, be unable to purchase it. eBay differs from a traditional store front in a variety of ways, but one of the most significant ways is that customers have to find your item by a text search, usually. This means that there are any number of problems that can occur and make someone who is otherwise interested in buying your item unable to find it.

For example, let's say that you make a spelling error when you list your item. This is going to make it significantly more difficult, sometimes even impossible, for someone who is looking for exactly what you have to offer to be able to find it. Basically, this means that you will have valuable equity locked up in an online limbo because no one is able to find your item to purchase it in the first place. You absolutely have to make sure that you do not make any errors such as this listing your product.

There are other aspects of the title, however, that are immensely important. It is not just enough for a buyer to be able to find your item; you need to try and make sure that they see what you are selling before they see the competition's merchandise. This means that you must be selective with the words that you use in your title, and even quite picky in the order of the words themselves. If at all possible, use Terapeak to try and discover what keywords customers search with to find products related to yours. These are the words that you need to use. Remember that you only have 55 characters so you have to use the most relevant keywords in the shortest space; these keywords are what will help you to be towards the highest results. If you need to communicate something else to a potential buyer you can use the subtitle feature; be aware, however, that eBay does not use this section to check for keywords, so keyword spam in this area is fruitless.

Additionally, you should be aware of the amount of time that an item is on sale for. If you have the item listed as a "Buy It Now" item this is not necessarily as relevant; if there is not very much competition on eBay from similar items it may be that you simply need to wait for the right customer; alternatively, lowering your price might be a good idea. However, the aspect in which you really need to be aware of time is the auction. Many sellers choose to put their item up for sale for the entire duration of seven days. This might seem to make the most sense- after all, the longer an item is for sale, the more opportunities people have to bid. This train of thought while being sound, is untrue.

If you pay very much attention to the various auctions on eBay you will notice that a sort of a bidding frenzy begins to ensue as the item approaches the end of the auction period. Once an item has less than a day remaining it becomes more immediate, and therefore more interesting, to a customer. In the last few hours customers are bidding constantly. One reason for this is the way in which eBay displays search results. An item with less time remaining will appear higher in the search results than an item with similar keywords but more time left. This means that you have the option to use good keywords and put your item on auction for a shorter amount of time to move your merchandise up the list of search results; additionally, you will still be able to attract the feeding frenzy type of bidding that occurs as an item nears its end. You can make the same amount of money in less time by making sure that your item is markeded properly.

Marketing is at the very soul of using eBay to make money. The odds are fairly strong that you will not be in a niche market and that you will have to struggle against competition to be able to really get a foot in the ground. If you are just starting out you can be at a distinct disadvantage against sellers that have been using eBay longer. For example, feedback is an important tool that many use when evaluating whether or not to make a purchase. Without good feedback you are fighting an uphill battle. There are, however, some tricks that can help you to overcome these obstacles and make a move on the competition.

Essentially, you must build your reputation as a quality seller from scratch. While it might be tempting to copy what it is that your competitors are doing, approach this from a customer's point of view. Why would a consumer purchase the exact same item from an unknown seller when they could get the guarantee offered by high positive feedback for the same price? It is not enough to simply do the same thing that your competitors are doing; you have to go above and beyond. To make any progress, you must outperform them.

One of the things that you must consider in the beginning is to offer your product at a lower price than other sellers. It does not have to be significantly lower, maybe as little as five or ten percent. However, a lower price can be the perfect way to sway buyers who might have otherwise made their purchase from your competition. This is not the only way to attract positive attention, however.

Depending on what it is that you are selling you might be be able to include a bonus item, something that is not very expensive if you have had the receipt to purchase it at a very low cost. For example, let's say that you are selling a smart phone- well, typically a new phone comes equipped with a charger and the necessary cables, but not a mobile charger. If you so desired, you could invest in a few of these and distribute them as a bonus with the order- you can often get a regular charger for which the owner supplies their own cable for only a dollar or two; it is a small gesture, but one that may influence a buyer to give you their business instead of your more popular competitor.

You can do other things, such as offering free gifts, that can help to build customer loyalty. For example, something as simple as including a small piece of candy with the package can be seen as a good will gesture; people will remember that you went the extra mile to make their experience just a little more pleasant, and if a mistake ever happens they might be more likely to give you a bit more leniency.

Shipping is also of the utmost priority. A common tactic that many eBay sellers attempt to use is to make a profit by charging more for shipping than it actually costs; this is not an encouraged idea. The point is to build up a great reputation among the eBay community to ensure your possible customers that you are trustworthy and will deliver their item, as promised. Padding extra costs into the purchase price very often results in very negative feedback.

You do not have to offer free shipping, but you do need to do everything within your power to make sure the buyer receives their item as soon as possible. Try to ship the item the same day that the offer closes, and be sure to supply the buyer with a tracking number so that they can keep track of their package. If something goes wrong in shipping this allows them to know the mistake was not yours; while they will not be pleased at the delay, most people are basically reasonable and will not hold this against you when leaving feedback.

Along the same idea of ​​customer service comes the feature of eBay to allow a potential buyer to ask a seller a question. If you happen to get a question from a consumer be aware that this person is, most likely, very interested in your merchandise. It is in your best interest to answer this question as quickly, and as honestly, as possible. You must do all of the little things that your competitors do not to build up positive feedback and to get the critical traffic you need as you are just getting started. The way to make money with eBay is to market yourself, market your product, and ensure people that you are a quality seller that makes sure they receive their item quickly and in the promised condition. Once you have established these things customers will be drawn to you; this is where you can begin to make money.

Choosing the Ideal Power Bank

There are many names that can be used to refer to a portable battery and they include power backup, pocket power cells, fuel banks, portable chargers, battery packs and so on. Regardless of what you decide to call them, they are still the same thing. The aim is to charge the tablet or phone without necessarily having a power outlet.

They come in all sizes. There are smaller sizes that are ideal for the smartphones and the bigger sizes that can cater multiple charges and are ideal for charging your tablet.

There are some that have cables while yet others include multiple ports to allow you to charge multiple devices at the same time.

For smartphones and tablets

There are many reasons as to why you need a portable battery for your gadgets. The most important one is how life is made easier by using mobile devices such as tablets and smartphones. When they run out of power, they become useless to us until we power up again.

If you have a one, you will enjoy a lightweight charging option on the go. You only need to have it pre-charged and then you can connect it to the phone when the need arises. After you invest in the best one, then you will not have to worry about dealing with a low battery at all.

Choosing the ideal one

There are some tips that can help you in getting the ideal option for all your needs. There are many things to consider and they include:

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  The size: this is not about how well it fits the pocket. It is about the power that can be carried within. Many of the options available usually has a number at the front that lets you know about mAh. This means milliamp-hour. When the number is higher, it means there is more power stored within and mire recharges doe the smartphone. Bigger mAh is also ideal for the bigger gadgets.














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  Power output: you need to consider how fast you will be able to charge your gadget using the alternative charging. It is important to be able to charge the phone/tablet as fast as possible. Your standard USB port on the component can fit the standard cable. However, it is important to know that the transmission can vary a great deal, depending on what you use.














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  Number of ports: this has to be considered especially if you will need to charge more that one device at a time. When it has a bigger battery, then you will discover that it may have more parts to make it possible to charge more than one phone or multiple gadgets at a time.














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  Cable: Each device has to come with a cable to facilitate charging. This can be a USB standard cable or the micro USB cable. It is important to know that it has to be charged beforehand. Some come with extra cables. This can be an important addition as it can help if you need to charge multiple devices at the same time.