Archive for April, 2014


Mobile Marketing with

by como ·

Within ten short years, the popularity of mobile phones exploded far beyond what even the most optimistic expected. We live in a society that is always on the go, making mobile phone service critical. In addition, the cost of a mobile phone is far less than the costs of a landline phone. As a result, more and more people are canceling their landline phone and exclusively using a mobile phone. However, the development of a central White Pages and Yellow Pages for mobile phones has never been developed. Or, more accurately, it had not been developed until now. With the advent of, users have a massive database of mobile phone numbers and contacts. Better yet, has expanded into the realms of mobile marketing which creates the perfect opportunity for those looking to expand their business potential without expending a great deal of money.

Currently, is developing an internal system where mobile text messages can be sent directly from the site. Also in the developmental stage is the ability to access a mobile version of the site and send text messages. If these concepts sound relatively simple, it is because they are! And, most importantly, these concepts are unique and not found anywhere on the Internet. For businesses, incorporating the promotional strategies devised by means progressing to the cutting edge of mobile marketing technology. This progression logically leads to an increase in the chances of success when engaging in marketing.

And the cost associated with this type of marketing plan are virtually non-existent. This is a critical benefit to this type of advertising because many small businesses are limited by budgetary constraints. Through the use of mobile text marketing, the ability to launch an expansive advertising campaign without spending a great deal of money is achievable. And, of course, the ability to require a number of generated sales through such a plan is also achievable.

Currently, mobile marketing has not been overexposed which means that those that take advantage of this type of marketing strategy may discover easier and greater success than with other forms of advertising. Since text messaging is not as overused as telemarketing and email mass mailings, it carries greater chances of connecting positively with potential customers. What has been lacking, however, has been an adequate format for issuing such messages. With the advent of, this once elusive helpful format has been devised. Now, the doors are open for many entrepreneurs to explore the many options available with mobile text messaging. That is why visiting and joining the site is recommended to anyone with even a passing interest in mobile text marketing ventures.

Loo-Lee is taken mobile marketing to the next level by developing a social networking around the cell phone user community. Their cell phone directory provides a great starting point to developing your marketing efforts.


Court Ordered Anger Management Is It Always the Right Answer

by como ·

Every year thousands of people are required to take a court ordered anger management class. This is oftentimes mandated as an alternative to jail time for people who have been involved in some altercation, verbal or physical, that does not involve weapons or domestic violence.

There are a number of options available for people to take one of these courses. Many counties offer them, therapists in private practice offer groups or will see people individually and lately there have been a number of courses that are offered online.

Surprisingly, the courts very often do not mandate anything beyond completing an anger course of some sort so the length of time that the offender may spend in anger management can vary anywhere from four to 50 or more hours, with most courses falling in the 10 – 20 hour range.

The topics covered are not usually mandated either and can cover a variety of topics from learning to recognize when you are getting angry to taking a time out to understanding your triggers and managing them a different way to dealing with criticism or difficult people/situations.

Most court ordered classes offered are good and offer some benefit.

However, they do not always address the real issue. While it may appear that the person in question has an anger problem it in reality is oftentimes only a symptom of a deeper problem. Many people who are placed in a court ordered program actually struggle with more serious mental health issues such as an alcohol or drug problem, bipolar disorder, anti social personality disorder, or rage disorder which is an extreme anger management problem with that has biological roots.

Without these problems being first recognized and treated an anger course is likely to be of little help to these people with the end result being that they end up getting in trouble again and possibly seriously injuring someone or themselves.

While court ordered anger management classes are often a very cost effective way of dealing with someone whose anger issues are out of control they are not appropriate for everyone. A mental health evaluation prior to sentencing would go a long way to ensuring that offenders were put into the proper treatment program.


Manufactured and Modular Homes Mortgage Loan and Financing Advice

by como ·

Are you looking into purchasing or refinancing a modular or manufactured home? Knowledge of the basic definition of each type of home is essential to finding the right loan.

Modular homes are built in sections, or modules, in a factory. The modules are then delivered to the home site on large trucks and assembled by local builders. State, local, and/or regional building codes must be followed while building the home.

Manufactured homes, historically called mobile homes, are built entirely in a factory. They must comply with a federal building code called the Federal Construction Safety Standards Act. This act, instituted in June 1976, requires that manufactured homes be constructed on a non-removable steel chassis. Many areas have restrictions regarding where manufactured homes can be located.

In terms of financing, obtaining a mortgage for a modular home is not much different than for a site-built home. (A site-built home is one that is built from the ground up on the site of the home). In each case, a construction loan is acquired. These are short-term loans for the material and labor costs of constructing the home. After the house has been completed, the construction loan can be turned into a traditional home loan. The biggest difference between site-built and modular home construction loans is the length of time of the loan. For modular homes, it is usually a 3-4 month timeframe, whereas, site-built construction loans average about 6-12 months.

A manufactured home may require more legwork to find the right lender. Lenders take into account square footage, meaning whether the home is single, double or triple wide. Mobility is another factor. If your home is truly mobile and you do not own the land underneath the home, financing may be more difficult to obtain. In addition, manufactured homes built prior to 1976 may not comply with the Federal Construction Safety Standards Act and will, therefore, be very difficult to finance or refinance.

Traditionally, most lenders viewed manufactured homes as personal property, much like a car or RV. These loans tend to have much higher interest rates than home loans. Today, there are lenders out there who will provide manufactured home loans at more affordable interest rates. To find the loan that is right for you, it is important to shop around. Although the community in which you are buying may offer financing, dont feel that you are obligated to take it.


Is Now the Right Time to Buy a Home

by como ·

Your mother was right! Mothers like stability, and nothing says
it more than owning your own home – it’s the ticket to sitting at the
big people’s table and being treated as an adult. Talk to anyone over
the age of forty – or most people in a suit – and they’ll no doubt
advise you: ‘Buy a house as soon as you can, start paying it off, it’s
the best investment you can make.’

While it’s true that if you
plan on living under a roof for the next fifty or so years, it’s
probably a good idea to eventually buy a house, but the notion of ‘buy a
house as quickly as you can’ is based more on emotion than logic. This
is a weird aspect of the financial world – there seems to be an
undertone of largely condescending advice that presupposes there is just
one correct path, one correct action for everyone to follow.

I’m not dissin’ the great Australian dream, just merely highlighting
that home ownership isn’t solely a financial decision – it’s an
emotional one as well. Far better for me to discuss both sides of the
home ownership coin and let you reach your own conclusion. Let’s take a
look at some of the advantages of owning your own home, followed by some
of the disadvantages.

The up side

Forced savings
– Owning your home forces you to get serious about reining in your
spending and start sorting out your money situation – nothing beats
regular mortgage repayments to make you save. The forced discipline of
regularly paying off an asset over many years is the reason most people
make money out of property over the long term.

If you purchase a home and live there before (hopefully) selling it at a
profit, no capital gains tax is paid, unlike investing in shares (or
property in which you don’t live), where a proportion of the profit you
make is taxed at your marginal tax rate. Huh? Look, tax is boring, tax
costs you money – tax sucks. Just remember this – if you sell the house
you live in and make a zillion bucks profit out of it, you don’t have to
share it with the Government, and these days pretty much everything is
taxed to some degree, so it’s a sweet deal.

Owning your own home allows you to add your own personal touch to the
place where you live. Take the ‘hit’ of home renovation and you can
spend cosy weekends at Bunnings, wild nights at Ikea – even use your
hydroponics skills to grow a real vegie garden. If you rent there’s not
much point in repainting your bathroom, because (a) it’s not your house
and (b) you’re probably going to move on in twelve months or so.

King of your castle
– Being the king (or queen) of your castle means you’re not at the
mercy of a landlord or real estate agent. If you rent, your house can be
sold, or your lease may not be renewed, which means that you may be
forced to move every couple of years. There’s also what I call the
‘aggro effect’ of renting – applying for properties, surprise
inspections, snooty property managers and crazy landlords. Lassie also
gets a rough deal here. He may be able to save drowning kids from lakes
and faithfully deliver your paper each morning, but that doesn’t usually
cut it with landlords, many of whom stipulate a no pet policy. Then
again, I’ve lived in plenty of places that were home to a colony of
cockroaches, as well as a family of mice, and that didn’t seem to bother

Emotions – While it’s different for everyone,
most people would agree that owning a home packs an emotional punch.
It’s stability in your life. There’s a certain sense of pride in
actually owning a little chunk of Australia. It’s the warm fuzzy feeling
you get when you stand by the fireplace and admire the fact that you’ve
now got something behind you that is uniquely yours.

The down side

– You’d have had to be living under a rock for the past ten years if
you didn’t realise that property prices have skyrocketed. In order to
get a foothold in the property maker, purchasing a home in any of our
major cities (and increasingly in the regional towns) involves taking
out mortgages for seriously big bucks – and a huge mortgage equals huge
repayments. I’ve got friends who’ve purchased homes, and the repayments
have significantly changed their lives. I’m not talking about delaying
that trip to the Bahamas; they feel it in the small ways, like fretting
over going out for Sunday brunch.

Yet more costs – When you
purchase a home there are significant upfront costs involved, such as
stamp duty, conveyancing, fees associated with getting a mortgage, and
ongoing costs (that renters don’t pay) such as council and water rates.
When you rent you don’t pay any upkeep, which means for any repairs all
you have to do is ring up your real estate agent, who’ll arrange for a
handyman to fix them, and the landlord gets lumped with the bill.

– The freedom of renting enables you to pretty much pick up, pack up
and go. You’re not constrained by mortgage repayments, and that allows
you to stay somewhere for a week, six months, a year or five years, and
always have the choice of packing up and going should you seek greener
pastures, get the travel bug, or move for a job opportunity somewhere

Putting it all together

You may be starting to
think that I’m anti-property. That couldn’t be further from the truth.
In my heart of hearts I’m a contrarian. Pretty simple really: sell when
people are buying and buy when people are selling. Sounds logical on
paper wouldn’t you agree? I want a home. I have a deposit. I’m sick of
renting. I can’t stand my landlord. I’m waiting. Patiently.

Riddle me this, Barefoot

Have you ever noticed that most of the people telling us to buy property are the people who are selling it?


Hairdressing Industry And Its Governing Bodies

by como ·

The hairdressing industry as various governing bodies intended to protect the client and the hair salon

National Hairdressers’ Federation (NHF) provides salon members with help and information for the hair industry currently has over 6,000 members, which includes small and medium salons that include hair and beauty salons, and Independent Chair Renters.

The NHF works on behalf of its members to raise the professionalism and commitment to the hair and beauty industry. Members have access to a range of benefits, including services, products, advice and information that help them to develop their business, including access to a free legal helpline, salon insurance, discounted rates on PPL Licences. It helps its member through representation legal and employement advice.

If a salon displays it’s a member of the NHF this does mean it better than another salon down the road. Although it should be noted that the hair salon itself takes its business and contractual arrangements seriously.

Association of Hairdressers and Therapists, founded in 1963 by a group of hairdressing teachers as a like minded national network of specialists who exchange good practice and support. This organisations members are more made up from the educational sector of hairdressing. Ranging from lecturers, teachers and assessors who hold relevent teaching qualifications or are working toward achieving those qualifications. The AHT holds National Training initatives, events and specialist demonstrations across its network.

In 1986, the Hairdressing Training Board (HTB) was formed with the objective of working with employers, educators and government to design and implement training and education programmes for the hairdressing industry.

Habia is the government appointed standards setting body for hair, beauty, nails, spa therapy, barbering and African type hair, and creates the standards that form the basis of all qualifications including NVQs, SVQs, Apprenticeships, Diplomas and Foundation degrees, as well as industry codes of practice.

In 1997, HTB, HTB Scotland, and the Beauty Industry Authority (BIA) formed the Hairdressing and Beauty Industry Authority (HABIA) to include the beauty therapy industry within its remit. Habia was formally launched by Dr Kim Howells, then Minister for Lifelong Learning, at that year’s Salon International exhibition.

By 2001, the organisation was being referred to by its initials, HABIA, and by the end of 2004 the decision was made to officially make the company name Habia. By this time, nail services and spa therapy had been added to Habia’s remit.

Habia was officially recognised by the government as a National Training Organisation (NTO) until these were abolished in 2001. Currently, Habia is recognised by the government as the Standards Setting Body for the hair, beauty, nails and spa sectors (including barbering and African Caribbean hair). The core responsibilities for Standards Setting Bodies include sector research and information, national occupational standards, qualifications strategy and learning frameworks. A central point of contact for information, Habia provides guidance on careers, business development, legislation, salon safety and equal opportunities, and is responsible to government on industry issues such as education and skills.

Habia raises the profile of its industries through the press and media, and is the first port of call for news organisations and broadcasters on news items and background information.

Habia also delivers solutions direct to:
salons to help them understand complex legislation such as health & safety and employment law, improve client retention and raise business performance;
employees to gain the skills that employers need to stay up to date with client demand and the latest techniques, equipment and products, as well as where to go to access learning and suitable qualifications;
trainers – to deliver qualifications with training support manuals, and to create successful teaching programmes including induction and initial assessment;
learners – by offering books and teaching guides directly related to their studies, and by providing advice on career paths and qualifications.

HABIA is very similar to the NHF in its support for salons and individuals.

The Future For Hair Associations
State registration is looking like a possible requirement for hair salons moving forward to promote best practice and tidy up the industry


Affiliate marketing review – affiliate marketing resources

by como ·

Affiliate marketing review – affiliate marketing resources- if you are considering a career in affiliate marketing, then you should find out what you are getting yourself into.

Many of us would love to venture out on our own and work for ourselves. However, two major factors tend to get in the way. The fist being money and the second being risk. These two factors should not be taken lightly. Even small businesses need a substantial amount of capital to get them started. The risk factor is even scarier. Up to 90% of all small businesses fail within the first year.

Affiliate marketing takes the risk away. It can also be started with next to 0 money. Affiliate marketing can be quite a lucrative venture. If you have a natural knack for sales or marketing and are self motivated and prepared to work hard then an affiliate marketing scheme could be a wise move for you.

Almost daily, you see advertised, courses and seminars that claim to hold the secret of instant wealth. By attending this course you will have all of the tools you need to get your business off the ground and become a millionaire. Those who want to start their own affiliate marketing business often attend these thinking that they will help their business thrive.

Courses and seminars more often then not, disappoint. First, these courses and seminars are usually quite expensive. You have the course or seminar fee. Plus any travel and hotel costs. Most of these are held in heavy tourist destinations around the country. Second, the person giving the seminar or course is usually on some kind of a promotional tour. While they do give out information at the course or seminar, their true goal is to sell you their latest book or software. The truth be told, everything you learned from that seminar was probably written in their book. You could have saved thousands if you had just bough their book and read it rather than shelling out for this course.

While it is true that you should educate yourself in affiliate marketing, the best resources are not courses. However, books are. By simply reading up on affiliate marketing, you can gain wonderful insights and save loads of money. By simply looking on retail sites such as Amazon or EBay, you can get hundred of titles on the subject. There are loads of step by step guides available on how to get your affiliate marketing business going and how to build it up.

Another great resource for affiliate marketing is the internet. Simply by typing affiliate marketing into any major search engine, loads of information comes up. There are plenty of free courses online that you can take on the subject if you are determined. Read through the information available to you for nothing. Chances are a course or a seminar wont teach you anymore than what you can learn online for free.

Magazines and news letters are fantastic resources for affiliate marketing. Newsletters are generally free and contain good, valuable information about particular programs. Youll hear account from people who are working in affiliate marketing. Their advice is worth having being that they are doing now what you want to be doing in the near future.


How to Find Best Secured Personal Loan Deal for People With Bad Credit Online

by como ·

It is common to see people who are unable to make good decision in solving their financial problems especially when their credit scores are badly affected due to their financial negligence. Not only that, you would probably need some money to start a small business so that you can increase your income stream to support your family, and paying off your outstanding debt. Things are not as bad as they seem – you can actually use your personal assets – your home, car, or common stocks; to borrow personal loan from online financial institutions.

At this moment, if you are looking for a financial assistance which is meant for applicants with bad credit history, here are some important steps that you should follow:

1. Be assured of the total amount of money that you really need to borrow – not that you really want to borrow – You need to estimate the total amount of money that can lessen your financial burden, or monetized your small business. Therefore, it is necessary that you accumulate all your bills and sum it all up to find out the total money that you need to borrow and write it down on a paper or your organizer, so that you can recall the exact loan amount when you are applying for a secured financial assistance.

2. Aim for non-bank lenders that offer high-quality secured personal loan lending service – Although you have a bad credit history, it does not mean that you should opt for a loan lender service without considering its legality. To check the authenticity of a non-bank lender, you can perform a thorough check on their business profile and history via Better Business Bureau’s “Check out a Business and Charity” page.

3. Be confident that you are able to get the best secured personal deal as you have decided to put up collateral – You need to have a positive mindset that you are capable to obtain a loan with the lower interest rate or higher loan amount. Most non-bank lenders would likely to entertain applicants who are using their assets as collateral. Since you are willing to put up collateral into your loan application, you need to shop for better loan offers that are offered by different lenders. Keep in mind that you are better off than other bad credit applicants who are not able to put up collateral.

4. Always consult with the lender’s counselor before making decisions – Most lenders provide free consultation service online in which help their potential clients to understand the application procedures as well as recommending loans that are suitable to their current financial status. Make use of this consultation service and seek clarification from the counselor.

Before you start committing to any secured personal loan deal, you should always consider the possibility that you will lose your asset if you are not able to make payments.


Rare predictions about Iraqi dinar

by como ·

Near about two decades before, new Iraqi dinar value was equal to 3.33 USD per IQD. The Iraqi Dinar fell to historic lows and the new Iraqi dinar value stood 3500 IQD per USD in 2003 after Saddam Hussein Captured. The currency observed a vivid growth spurt of 252% in a year and led to a number of speculators to consider that investing in the Iraqi dinar currency was indeed a perfect idea. Though the time frame is not identified, financial experts believe that Iraqi dinar is probably to stabilize between the values of 0.1 USD to 1 USD. We have to be patient about the present scenario of Iraqi dinar. As far as the concern about the selecting the Iraqi dinar dealer, then we have to select the dealer that must have authentication from Iraqi government and central bank of Iraq as well as from US treasury department and Better Business Bureau.
Exchange Procedures for the Iraqi dinar
If you are one of those who are willing to invest in Iraqi dinar, then you are doing the right thing because whole world is admitting the fact that Iraqi dinar is going to regain its back position again. Surely invest in Iraqi dinar, but before investing Iraqi dinar you should get acknowledge with all the investment procedure, exchange rate, exchange policies and rules and all about Iraqi dinar dealer. Different companies have different policies so you should get familiar with the terms and condition before making investment. Some companies exchange Iraqi dinar in placement of gold, some use Silver in order to exchange the Iraqi dinar whereas some companies offer USD as a substitute of Iraqi dinar. So you should select that company that suits you best and can fulfill your requirements and needs. You can contact with different companies in order to find out complete information about Iraqi dinar.
Iraqi Dinar Exchange Rate – It Is Escalating and Can Do Wonders for Your Pocket Book

There exists not so many spots for you to employ when attempting to inspect the inclinations of the Iraqi Dinar (IQD), this might possibly make bit difficult about following the value of money as well. Something that you ought to be acquainted with the Iraqi dinar exchange rate is it is about to change rowdily, fairly possibly all in the same afternoon. In the occasion that you are attempting to know the FOREX rates for definite types of money and to get an idea of the array of movements it will perhaps have, I recommend you study all about the history of that foreign currency in which you are attempting to make investment. During the era of 1980s, only one IQD might equal to near about 3.55 USD but at present the value of Iraqi dinar is 1167 per USD and this is huge difference between the past and the present value of dinar. So, thats the reason of giving the suggestions to study the history of any foreign currency to make investment safe and secure.


Replica Industry Reviews

by como ·

The replica industry has been around for a long time. Depending on if you have the know-how, this industry can actually be a very profitable one. It is illegal to sell replicas as if they are the real brands in most developed countries. However, if you are honest about what you are selling, and do not copy the brand name exactly, the replica industry is perfectly legal and legitimate. It is also one of the few industries that is recession-proof. The replica watch industry actually recorded an increase in profit during the recession, since most people could no longer afford designer accessories, yet still wanted to maintain their lifestyle.

Some replicas are very poorly made. If you decide to invest in replicas that make it painfully obvious that they are knock-offs, then you probably will not make a lot of money. Replicas need to be made so that they are practically identical to the real thing. Well-made replicas make it impossible to tell the difference between a real thing and a knock-off unless you examine the actual materials of the item up close. If your replicas are almost identical to the real thing, then you could make good money from investing in the replica industry.

However, it is illegal to use a companys trademarked brand name. It is also illegal to use a watchs design. Both these traits are copyrighted to the watchs original manufacturer. It is estimated that the replica industry causes a one to three billion dollar loss per year to the real manufacturers. The majority of replica items are made in China. Some are made with some precious metals and materials (like gold and leather) and these are known as high-end replica. Others are not made with any precious materials and are known as low-end replica. Sometimes the replica are cheaper than the brand name by a very significant amount, and sometimes replica are only cheaper than the brand name by a little bit. The latter is the one that is usually marketed (falsely) as the real deal.

Those who are successful in the replica industry must be very fashion-savvy and must have a good understanding of the fashion-industrys constantly evolving trends. The whole point of replicas is so that the individual can be a part of the most recent fashion styles. No one wants a replica of last seasons fashions, or last years it item. They also need access to the real products in order to be able to fashion something very similar to it. It is hard to make a copy of a product simply by looking at its pictures. High-end replica makers usually have the brand name product and mimic it very carefully and thoroughly.

The replica industry is a multi-billion dollar a year industry. It is illegal in some countries, but completely legitimate in others. Most people will avoid breaking their local laws by purchasing their replica items online. Since there are no copyright laws in other countries, purchasing from them is technically legal.


Financial Aspects Of Your College Preparation

by como ·

Now is the right time to begin the discussion about funding for college with your parents. While you cant do much about securing financial aid during your freshman year, you can come up with a plan for how your family will go about paying for college.

Your parents may have been saving for your college education since you were little. Or, they may not have been so fortunate. Either way, youll need to sit down as a family and discuss the reality of the situation. How much are your parents willing to spend on your college education? How much do they expect you to contribute? About how much do you expect to get in financial aid?

Answering these questions early on save a lot of grief during your senior year. You dont want to fill out the FAFSA and realize in the April before you start college that you cannot afford to go due to lack of funding. There is always a way to get through school. You just need to start planning early to account for any difficulties along the way and to make sure both you and parents are on the same financial page.

Take virtual college campus tours

While you wont be applying to colleges for a while, you can still get a leg up on the competition by taking virtual campus tours for colleges of interest. Knowing what campuses look like, what their buildings look like and where things are located can put your mind at ease. Plus, it shows you how beautiful some colleges really are.

The best part about it is you dont have to leave the comfort of your home. Just visit the websites of colleges youre interested in and click on the virtual tour link (or something similar). Youll learn a lot and wont have to spend a dime. Plus, it can be kind of fun to browse around these different campuses.

Above all else, youll be further preparing yourself for the college experience. Just the act of searching through college websites and locating the virtual tour section is a good exercise. Youll need to become increasingly efficient when using college websites, or any website for that matter, as your high school career moves forward.

Volunteer over the summer

Just lazing the day away during the summer might sound nice, you should continue to work toward making your college application look appealing. You can do this by volunteering for a community organization.

Many students excuses range from they cant find volunteer opportunities to they dont know how to volunteer. Rest assured, the organizations youll be working with will be glad to have your assistance. Many high schools even post volunteer opportunities on campus. Check news bulletins and boards in the office for such opportunities.

Youd be surprised. There are plenty of organizations and companies out there that would absolutely love to have your help. All you need to do is ask. The added bonus is that doing volunteer work on your own time shows dedication, commitment and empathy for the cause of others. Plus, youll start up a good networking base that could lead to potential employment later on.

College administrators love to admit students that care about their community, can balance their schedules and work well with others. Add these excellent qualities to your resume by putting in some time with a volunteer organization.