tag:blogger.com,1999:blog-19581339998010375982024-02-20T07:18:09.636-08:00Ninety-Nine PercentMoney, Finance & ValuesGiovshttp://www.blogger.com/profile/08618764204918987843noreply@blogger.comBlogger47125tag:blogger.com,1999:blog-1958133999801037598.post-12932169609194928002009-08-10T21:26:00.000-07:002009-08-10T21:38:26.909-07:00<div style="text-align: justify;"><span style="font-family:arial;">To quote the very well-known motivational speaker, Anthony Robbins, "<a href="http://amusdisc.blogspot.com">Questions are the answer.</a>" </span><br /><br /><span style="font-family:arial;">What exactly does he mean? Tony believes, as do I, that you have the ability to find the answer to any question. They key is to ask the right questions. If you're constantly asking yourself, "Why was I so stupid to get into debt?", your brain is going to give you an answer like, "Because you're a loser." </span><br /><br /><span style="font-family:arial;">The thing to remember is that your brain will keep working on your question subconsciously until you get an answer. We've all had the experience of waking up in the middle of the night with the answer to something you were thinking about earlier in the day. The quality of the answer is directly related to the quality of the question. A better question is "What action can I take today to <a href="http://blogfinale.blogspot.com">start reducing my debt</a>?" Your brain will ponder this until it returns an answer. That may be something like, "<a href="http://blogfinale.blogspot.com">Get financially organized</a>. Look through all my credit card statements and see if I can determine if any one card is better than another.</span><br /><br /><span style="font-family:arial;">" Here are 10 questions whose answers, I am confident, will guide you to a <a href="http://blogfinale.blogspot.com">better financial life</a>: </span><br /><br /><ol><li><span style="font-family:arial;">What action(s) can I take today to start reducing my debt?</span></li><li><span style="font-family:arial;">How can I start <a href="http://blogfinale.blogspot.com">making more money</a> within the next 5 days?</span></li><li><span style="font-family:arial;">What can I do to start saving money? </span></li><li><span style="font-family:arial;">What did I learn about finances today?</span></li><li><span style="font-family:arial;">What day, this week, can I commit to going to the library and researching my financial options?</span></li><li><span style="font-family:arial;">How can I use my <a class="zem_olink" href="http://www.daylife.com/image/0eQBfy0fna189?utm_source=zemanta&utm_medium=p&utm_content=0eQBfy0fna189&utm_campaign=z1" title="KENDALL, FL - MARCH 07: Ileana Garcia cooks several of her credit cards over a hot plate as she tries to dig herself out of credit card debt during a sermon by Kevin Cross about faith-based financial management at the Miami Vineyard Community Church on March 7, 2009 in Kendall, Florida. Cross preaches to people about the biblical principles of money management with his idea of steps that should be taken for handling finances to glorify and honor God. With the economic hard times that have fallen upon many people, churches around the country are trying new programs such as Cross's Margin and Meaning events, to guide people out of their debt and get back on their feet financially.">computer and internet</a> to improve my life financially? </span></li><li><span style="font-family:arial;">How can I double my income within one year?</span></li><li><span style="font-family:arial;">What dreams did I have when I was younger that I should revisit today that would improve my life? </span></li><li><span style="font-family:arial;">Do I have the right amount of insurance? </span></li><li><span style="font-family:arial;">How can I enjoy the process of working to reduce my debt? </span></li></ol></div><br /><span style="font-style: italic; font-weight: bold;font-size:85%;" >Author: Scott Bilker is the founder of <a href="http://www.debtsmart.com/">DebtSmart.com</a> and the author of <a href="http://www.debtsmart.com/offers/p_0964840154_offer_02.html">Talk Your Way Out of Credit Card Debt</a>, <a href="http://www.debtsmart.com/offers/p_0964840154_offer_02.html">Credit Card and Debt Management</a>, and <a href="http://www.debtsmart.com/offers/p_0964840154_offer_02.html">How to be more Credit Card and Debt Smart</a>. Send your questions about money, credit, loans, mortgages, or debt, to him at: Scott Bilker, PO Box 563, Barnegat, NJ 08005-0563 or online at: <a href="http://www.debtsmart.com/askscott">http://www.debtsmart.com/askscott</a><br /><br /><br /></span><fieldset class="zemanta-related"><legend class="zemanta-related-title">Related articles</legend><ul class="zemanta-article-ul"><li class="zemanta-article-ul-li"><a href="http://www.wealthyways4you.com/how-to-make-money-online/save-first-and-buy-second">Save First and Buy Second</a> (wealthyways4you.com)</li><li class="zemanta-article-ul-li"><a href="http://www.thestar.com/article/670022">Wake-up call will be a lasting act of parental compassion</a> (thestar.com)</li><li class="zemanta-article-ul-li"><a href="http://www.queercents.com/2009/08/04/my-financial-implosion-recovery-is-possible/">My Financial Implosion: Recovery is Possible</a> (queercents.com)</li><li class="zemanta-article-ul-li"><a href="http://www.bargaineering.com/articles/canceling-a-credit-card.html">Canceling A Credit Card</a> (bargaineering.com)</li><li class="zemanta-article-ul-li"><a href="http://blog.seattlepi.com/boomerconsumer/archives/175376.asp?source=rss">Are you using credit cards to meet your daily needs?</a> (seattlepi.com)</li><li class="zemanta-article-ul-li"><a href="http://yourfriendsremark.blogspot.com">Friendly financial remarks </a>(yourfriendsremark.blogspot.com)</li><li class="zemanta-article-ul-li"><a href="http://amusdisc.blogspot.com">Financial Disclosure</a> (amusdisc.blogspot.com)</li><li class="zemanta-article-ul-li"><a href="http://danielgreenz.blogspot.com">Greener Finances</a> (danielgreenz.blogspot.com)</li></ul></fieldset> <div style="margin-top: 10px; height: 15px;" class="zemanta-pixie"><a class="zemanta-pixie-a" href="http://reblog.zemanta.com/zemified/3108ea9f-a1d3-45e3-af79-8167e529474b/" title="Reblog this post [with Zemanta]"><img style="border: medium none ; float: right;" class="zemanta-pixie-img" src="http://img.zemanta.com/reblog_e.png?x-id=3108ea9f-a1d3-45e3-af79-8167e529474b" alt="Reblog this post [with Zemanta]" /></a><span class="zem-script more-related pretty-attribution"><script type="text/javascript" src="http://static.zemanta.com/readside/loader.js" defer="defer"></script></span></div>Giovshttp://www.blogger.com/profile/08618764204918987843noreply@blogger.com0tag:blogger.com,1999:blog-1958133999801037598.post-3555534619363472782009-08-10T21:07:00.000-07:002009-08-24T14:12:15.911-07:0010 financial questions you should ask to find the answers<table style="width: 90px; height: 24px; text-align: left; margin-left: 0px; margin-right: 0px;" border="0" cellpadding="3" cellspacing="0"><tbody><tr><td class="bodylinks" width="65%"><strong></strong><br /></td><td style="font-family: arial;" class="heading" width="35%" align="right"><br /></td></tr></tbody></table><div style="text-align: justify; font-family: arial;">"You answer my questions with questions..." The lyrics of the song question strike me often.<br />What does it really mean? So, each of us has the ability to find the answer to any question. They key is to ask the right questions. If you're constantly asking yourself, "Why was I so stupid to get into debt?", your brain is going to give you an answer like, "Because you're a loser."<br /><br />The thing to remember is that your brain will keep working on your question subconsciously until you get an answer. We've all had the experience of waking up in the middle of the night with the answer to something you were thinking about earlier in the day. The quality of the answer is directly related to the quality of the question. A better question is "What action can I take today to start reducing my debt?" Your brain will ponder this until it returns an answer. That may be something like, "Get financially organized. Look through all my credit card statements and see if I can determine if any one card is better than another."<br /><br />Here are 10 questions whose answers, I am confident, will guide you to a better financial life:<br />1) What action(s) can I take today to start reducing my debt?<br />2) How can I start making more money within the next 5 days?<br />3) What can I do to start saving money?<br />4) What did I learn about finances today?<br />5) What day, this week, can I commit to going to the library and researching my financial options?<br />6) How can I use my computer to improve my life financially?<br />7) How can I double my income within one year?<br />8) What dreams did I have when I was younger that I should revisit today that would improve my life?<br />9) Do I have the right amount of insurance?<br />10) How can I enjoy the process of working to reduce my debt?<br /></div><a href="http://www.debtsmart.com/askscott"><br /></a><fieldset class="zemanta-related"><legend class="zemanta-related-title">Related articles by Zemanta</legend><ul class="zemanta-article-ul"><li class="zemanta-article-ul-li"><a href="http://www.bargaineering.com/articles/dave-ramseys-total-money-makeover-review.html">Dave Ramsey's Total Money Makeover Review</a> (bargaineering.com)</li><li class="zemanta-article-ul-li"><a href="http://www.wealthyways4you.com/how-to-make-money-online/save-first-and-buy-second">Save First and Buy Second</a> (wealthyways4you.com)</li><li class="zemanta-article-ul-li"><a href="http://www.slideshare.net/baddebt/what-is-bad-debt">What Is Bad Debt?</a> (slideshare.net)</li><li class="zemanta-article-ul-li"><a href="http://www.queercents.com/2009/08/04/my-financial-implosion-recovery-is-possible/">My Financial Implosion: Recovery is Possible</a> (queercents.com)</li><li class="zemanta-article-ul-li"><a href="http://blog.seattlepi.com/boomerconsumer/archives/175376.asp?source=rss">Are you using credit cards to meet your daily needs?</a> (seattlepi.com)</li></ul></fieldset><span style="font-weight: bold; color: rgb(204, 0, 0);"><span>Related Sites :</span><br /><span style="color: rgb(51, 51, 153); font-weight: bold; font-style: italic;"><span><a href="http://mizunoz.blogspot.com/">Mizuno</a>, </span></span></span><a style="font-weight: bold; font-style: italic; color: rgb(51, 51, 153);" href="http://calvinkleinz.blogspot.com/">Calvin Klein</a><span style="font-weight: bold; font-style: italic; color: rgb(51, 51, 153);">, </span><a style="font-weight: bold; font-style: italic; color: rgb(51, 51, 153);" href="http://mynikez.blogspot.com/">Nike</a><span style="font-weight: bold; font-style: italic; color: rgb(51, 51, 153);">, </span><a style="font-weight: bold; font-style: italic; color: rgb(51, 51, 153);" href="http://moschinoz.blogspot.com/">Moschino</a><span style="font-weight: bold; font-style: italic; color: rgb(51, 51, 153);">, </span><a style="font-weight: bold; font-style: italic; color: rgb(51, 51, 153);" href="http://myadidasz.blogspot.com/">Adidas</a><span style="font-weight: bold; font-style: italic; color: rgb(51, 51, 153);">, </span><span style="font-weight: bold; font-style: italic; color: rgb(51, 51, 153);"><span><a href="http://mypumaz.blogspot.co/">Puma</a>, </span></span><span style="font-weight: bold; font-style: italic; color: rgb(51, 51, 153);"><span><a href="http://conversekidsz.blogspot.com/">Converse</a>, </span></span><a style="font-weight: bold; font-style: italic; color: rgb(51, 51, 153);" href="http://dickiesz.blogspot.com/">Dickies</a><span style="font-weight: bold; font-style: italic; color: rgb(51, 51, 153);">,</span><a style="font-weight: bold; font-style: italic; color: rgb(51, 51, 153);" href="http://myskechersz.blogspot.com/"> </a><a style="font-weight: bold; font-style: italic; color: rgb(51, 51, 153);" href="http://myskechersz.blogspot.com/">Skecher</a><span style="font-weight: bold; font-style: italic; color: rgb(51, 51, 153);">, </span><a style="font-weight: bold; font-style: italic; color: rgb(51, 51, 153);" href="http://dknyz.blogspot.com/">DKNY</a><span style="font-weight: bold; font-style: italic; color: rgb(51, 51, 153);">, </span><span style="font-weight: bold; color: rgb(51, 51, 153); font-style: italic;"><span><a href="http://emericaz.blogspot.com/">Emerica</a>, </span></span><span style="font-weight: bold; color: rgb(204, 0, 0);"><span style="color: rgb(51, 51, 153); font-weight: bold; font-style: italic;"><span><a href="http://kaylandz.blogspot.com/">Kayland</a>, <a href="http://misssixtyz.blogspot.com/">Miss Sixty</a>, <a href="http://umikidsz.blogspot.co/">Umi Kid</a><a href="http://umikidsz.blogspot.co/">s</a>, <a href="http://tommybahamaz.blogspot.com/">Tommy</a>, <a href="http://weeboxkidsz.blogspot.com/">Wee Box</a>, <a href="http://onexz.blogspot.com/">Onex</a>, <a href="http://olukaiz.blogspot.com/">Olukai</a>, <a href="http://flyflotz.blogspot.com/">FlyFlot</a>,<a href="http://fratelliz.blogspot.com/"> Fratelli</a>, <a style="color: rgb(51, 51, 255);" href="http://gravatiz.blogspot.com/">Gravati</a>, <a href="http://danielgreenz.blogspot.co/">Daniel Green</a>, <a href="http://jumpingjacksz.blogspot.com/">Jumping Jack</a>, <a href="http://yellowboxz.blogspot.com/">Yellow Box</a>, <a href="http://ninewestz.blogspot.com/">Nine West</a>, <a href="http://tatamiz.blogspot.com/">Tatami</a>, <a href="http://coclicoz.blogspot.com/">Coclico</a>, , <a href="http://viaspigaz.blogspot.com/">Via Spiga</a>, <a href="http://naturalizerz.blogspot.com/">Naturalizer</a>, <a href="http://eccogolf.blogspot.com/">Ecco Golf</a><br /><br /></span></span><span style="color: rgb(51, 51, 153); font-weight: bold;"><span><span style="color: rgb(204, 0, 0);">PAY A VISIT:</span></span></span><span style="color: rgb(51, 51, 153); font-weight: bold; font-style: italic;"><span><span style="color: rgb(204, 0, 0);"><br /><span style="color: rgb(102, 51, 255);"><a href="http://filipinastudes.blogspot.com/">Naked Pinay Views</a>,</span> <a style="color: rgb(51, 51, 255);" href="http://yourfriendsremark.blogspot.com/">Friendly Remarks</a><span style="color: rgb(51, 51, 255);"> , </span><a style="color: rgb(51, 51, 255);" href="http://blogfinale.blogspot.com/">Money Talk</a><a style="color: rgb(51, 51, 255);" href="http://blogfinale.blogspot.com/">s</a><span style="color: rgb(51, 51, 255);"> , </span><a style="color: rgb(51, 51, 255);" href="http://marcnand.wordpress.com/">Marc Nand's Blog</a><span style="color: rgb(51, 51, 255);"> , </span><a style="color: rgb(51, 51, 255);" href="http://noddingnanding.livejournal.com/">Nodding Nanding's Journal</a><span style="color: rgb(51, 51, 255);">, </span><a style="color: rgb(51, 51, 255);" href="http://amusdisc.blogspot.com/">Amusing Disclosur</a><a style="color: rgb(51, 51, 255);" href="http://amusdisc.blogspot.com/">e</a><span style="color: rgb(51, 51, 255);"> , </span><a style="color: rgb(51, 51, 255);" href="http://cybertwixt.blogspot.com/">Cyber Tweaks</a><span style="color: rgb(51, 51, 255);"> , </span><a style="color: rgb(51, 51, 255);" href="http://fernmarc.page.tl/">PC Operatis</a><span style="color: rgb(51, 51, 255);"> , </span><a style="color: rgb(51, 51, 255);" href="http://bytamini.blog.com/">Bytamin I</a><span style="color: rgb(51, 51, 255);"> , </span><a style="color: rgb(51, 51, 255);" href="http://coolgizmodgets.blogspot.com/">Cool Gizmodgets</a><span style="color: rgb(51, 51, 255);"> , </span><a style="color: rgb(51, 51, 255);" href="http://onlineshopster.blogspot.com/"> Online Shopster</a></span></span></span></span>Giovshttp://www.blogger.com/profile/08618764204918987843noreply@blogger.com0tag:blogger.com,1999:blog-1958133999801037598.post-35405345839951264422009-06-22T06:46:00.000-07:002009-07-22T04:11:21.544-07:00Five More Tips on Trimming IT Waste<a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgXDLvBcikmA5G3E77pjJjH7gwvdAs-Feh4kD2wlShjlg3WcQwwFe6eb1TmZNuAfFeZSzuNz15a4p8taR-k_O81RY8aGIXFi2l8ItJayvQdymLvpsqJMd3UwN5l62uNehzMnuS3ffmE45E/s1600-h/dumped_computers2.gif"><img style="margin: 0pt 0pt 10px 10px; float: right; cursor: pointer; width: 285px; height: 320px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgXDLvBcikmA5G3E77pjJjH7gwvdAs-Feh4kD2wlShjlg3WcQwwFe6eb1TmZNuAfFeZSzuNz15a4p8taR-k_O81RY8aGIXFi2l8ItJayvQdymLvpsqJMd3UwN5l62uNehzMnuS3ffmE45E/s320/dumped_computers2.gif" alt="" id="BLOGGER_PHOTO_ID_5350149964781976946" border="0" /></a><div style="text-align: justify;">Everybody nowadays strive to cut on costs and wastage. Global recession has affected almost every strain of human concern and activity such that even the health conscious efforts of <a href="http://filipinastudes.blogspot.com/">women</a> to trim down and gain a flattering new look becomes a necessity for <a href="http://blogfinale.blogspot.com/">savings</a>. In the ICT sector, cutting on "fat" should always be something <a href="http://onlineshopster.blogspot.com/">IT shops</a> aspire to do. It has become an imperative in these budget-constrained times to identify areas of wastage and do something to avoid the spillage. Here are five ways IT departments waste money:<br /><br /><span style="font-weight: bold;">Making unnecessary upgrades.</span><br /><br />While there are plenty of good reasons to upgrade hardware and/or software, the article makes the point that too many IT shops don't base upgrade paths on actual need and instead adhere to a schedule in which systems are automatically replaced at predetermined intervals. You can obviously <a href="http://blogfinale.blogspot.com/">save money</a> -- and likely some user angst as well, the article points out -- by hanging onto gear that'll suit present and short-term future needs.<br /><br /><span style="font-weight: bold;">Failing to upgrade old, inefficient equipment.</span><br /><br />Delaying upgrades too long can result in unacceptable downtime, inflated repair and maintenance costs and just plain inefficient operations. It's OK to upgrade some, but not all, departments or individuals while letting others keep what they have.<br /><br /><span style="font-weight: bold;">Overspending on hardware.</span><br /><br />This a plug for virtualization, and with <a href="http://yourfriendsremark.blogspot.com/">good reason</a>. Adoption rates for virtualization have grown quickly, and the opportunity for cost savings is one of the reasons why. Virtualization is one of three trends shaping the future of the data center. Making use of a on-demand infrastructure like Amazon's Elastic Compute Cloud (EC2) for projects that require temporary bursts of computing power, is a <a href="http://yourfriendsremark.blogspot.com/">wise decision</a>. Jonathan Bryce, co-founder of Mosso, the cloud computing division of Rackspace, told me the same thing when I interviewed him for a story on cloud computing. With the cloud, he said, “You have access to the infrastructure if you need it, but you don’t have to buy it upfront. If you’re uncertain about usage, you’ll probably end up buying the wrong amount of infrastructure."<br /><br /><span style="font-weight: bold;">Not using the training budget effectively.</span><br /><br />Among the good suggestions: Instead of sending multiple employees to training, send one person who can then instruct his or her colleagues. Consider forgoing certifications. E-learning can be a good option, as detailed in this post.<br /><br /><span style="font-weight: bold;">Wasting money on travel expenses.</span><br /><br />You can take Cisco's lead and employ videoconferencing and other emerging communications tools, which helped the company double its sales calls while cutting its travel budget in half. While there are some really pricey solutions, much more economical options are available. When travel is truly necessary, employ such tried-and-true <a href="http://blogfinale.blogspot.com/">cost savings measures</a> as driving rather than flying and staying in reasonably priced hotels<br /><br />Now, what do all those <a href="http://filipinastudes.blogspot.com/">health-conscious ladies</a> have to identify to be able to quash the bulges and feel sexy and confident. It professionals have to learn from them or vice-versa. It's a matter of valuing and re-aligning priorities. Practicality never gets obsolete.<br /><br /></div><fieldset class="zemanta-related"><legend class="zemanta-related-title">Related articles<br /></legend><ul class="zemanta-article-ul"><li class="zemanta-article-ul-li"><a href="http://gigaom.com/2009/06/30/cisco-shows-off-its-hit-list/"> Cisco Shows Off Its Hit List </a> (gigaom.com)</li><li class="zemanta-article-ul-li"><a href="http://news.cnet.com/8301-13505_3-10275738-16.html?part=rss&subj=news"> Red Hat seeks to certify the cloud (Q&A) </a> (news.cnet.com)</li></ul></fieldset> <div style="margin-top: 10px; height: 15px;" class="zemanta-pixie"><a class="zemanta-pixie-a" href="http://reblog.zemanta.com/zemified/0574069d-5f4c-4211-896e-e4bdbc8d9c0e/" title="Reblog this post [with Zemanta]"><img style="border: medium none ; float: right;" class="zemanta-pixie-img" src="http://img.zemanta.com/reblog_e.png?x-id=0574069d-5f4c-4211-896e-e4bdbc8d9c0e" alt="Reblog this post [with Zemanta]" /></a><span class="zem-script more-related pretty-attribution"><script type="text/javascript" src="http://static.zemanta.com/readside/loader.js" defer="defer"></script></span></div><span style="font-weight: bold; color: rgb(204, 0, 0);"><span>More Tips :<br /><br /></span><span style="color: rgb(51, 51, 153); font-weight: bold; font-style: italic;"><span><a href="http://mizunoz.blogspot.com/">Mizuno</a>, </span></span></span><a style="font-weight: bold; font-style: italic; color: rgb(51, 51, 153);" href="http://calvinkleinz.blogspot.com/">Calvin Klein</a><span style="font-weight: bold; font-style: italic; color: rgb(51, 51, 153);">, </span><a style="font-weight: bold; font-style: italic; color: rgb(51, 51, 153);" href="http://mynikez.blogspot.com/">Nike</a><span style="font-weight: bold; font-style: italic; color: rgb(51, 51, 153);">, </span><a style="font-weight: bold; font-style: italic; color: rgb(51, 51, 153);" href="http://moschinoz.blogspot.com/">Moschino</a><span style="font-weight: bold; font-style: italic; color: rgb(51, 51, 153);">, </span><a style="font-weight: bold; font-style: italic; color: rgb(51, 51, 153);" href="http://myadidasz.blogspot.com/">Adidas</a><span style="font-weight: bold; font-style: italic; color: rgb(51, 51, 153);">, </span><span style="font-weight: bold; font-style: italic; color: rgb(51, 51, 153);"><span><a href="http://mypumaz.blogspot.co/">Puma</a>, </span></span><span style="font-weight: bold; font-style: italic; color: rgb(51, 51, 153);"><span><a href="http://conversekidsz.blogspot.com/">Converse</a>, </span></span><a style="font-weight: bold; font-style: italic; color: rgb(51, 51, 153);" href="http://dickiesz.blogspot.com/">Dickies</a><span style="font-weight: bold; font-style: italic; color: rgb(51, 51, 153);">,</span><a style="font-weight: bold; font-style: italic; color: rgb(51, 51, 153);" href="http://myskechersz.blogspot.com/"> </a><a style="font-weight: bold; font-style: italic; color: rgb(51, 51, 153);" href="http://myskechersz.blogspot.com/">Skecher</a><span style="font-weight: bold; font-style: italic; color: rgb(51, 51, 153);">, </span><a style="font-weight: bold; font-style: italic; color: rgb(51, 51, 153);" href="http://dknyz.blogspot.com/">DKNY</a><span style="font-weight: bold; font-style: italic; color: rgb(51, 51, 153);">, </span><span style="font-weight: bold; color: rgb(51, 51, 153); font-style: italic;"><span><a href="http://emericaz.blogspot.com/">Emerica</a>, </span></span><span style="font-weight: bold; color: rgb(204, 0, 0);"><span style="color: rgb(51, 51, 153); font-weight: bold; font-style: italic;"><span><a href="http://kaylandz.blogspot.com/">Kayland</a>, <a href="http://misssixtyz.blogspot.com/">Miss Sixty</a>, <a href="http://umikidsz.blogspot.co/">Umi Kid</a><a href="http://umikidsz.blogspot.co/">s</a>, <a href="http://tommybahamaz.blogspot.com/">Tommy</a>, <a href="http://weeboxkidsz.blogspot.com/">Wee Box</a>, <a href="http://onexz.blogspot.com/">Onex</a>, <a href="http://olukaiz.blogspot.com/">Olukai</a>, <a href="http://flyflotz.blogspot.com/">FlyFlot</a>,<a href="http://fratelliz.blogspot.com/"> Fratelli</a>, <a style="color: rgb(51, 51, 255);" href="http://gravatiz.blogspot.com/">Gravati</a>, <a href="http://danielgreenz.blogspot.co/">Daniel Green</a>, <a href="http://jumpingjacksz.blogspot.com/">Jumping Jack</a>, <a href="http://yellowboxz.blogspot.com/">Yellow Box</a>, <a href="http://ninewestz.blogspot.com/">Nine West</a>, <a href="http://tatamiz.blogspot.com/">Tatami</a>, <a href="http://coclicoz.blogspot.com/">Coclico</a>, , <a href="http://viaspigaz.blogspot.com/">Via Spiga</a>, <a href="http://naturalizerz.blogspot.com/">Naturalizer</a>, <a href="http://eccogolf.blogspot.com/">Ecco Golf</a><br /><br /></span></span><span style="color: rgb(51, 51, 153); font-weight: bold;"><span><span style="color: rgb(204, 0, 0);">DON'T FAIL TO SEE:</span></span></span><span style="color: rgb(51, 51, 153); font-weight: bold; font-style: italic;"><span><span style="color: rgb(204, 0, 0);"><br /><br /><span style="color: rgb(102, 51, 255);"><a href="http://filipinastudes.blogspot.com/">Naked Pinay Views</a>,</span> <a style="color: rgb(51, 51, 255);" href="http://yourfriendsremark.blogspot.com/">Friendly Remarks</a><span style="color: rgb(51, 51, 255);"> , </span><a style="color: rgb(51, 51, 255);" href="http://blogfinale.blogspot.com/">Money Talk</a><a style="color: rgb(51, 51, 255);" href="http://blogfinale.blogspot.com/">s</a><span style="color: rgb(51, 51, 255);"> , </span><a style="color: rgb(51, 51, 255);" href="http://marcnand.wordpress.com/">Marc Nand's Blog</a><span style="color: rgb(51, 51, 255);"> , </span><a style="color: rgb(51, 51, 255);" href="http://noddingnanding.livejournal.com/">Nodding Nanding's Journal</a><span style="color: rgb(51, 51, 255);">, </span><a style="color: rgb(51, 51, 255);" href="http://amusdisc.blogspot.com/">Amusing Disclosur</a><a style="color: rgb(51, 51, 255);" href="http://amusdisc.blogspot.com/">e</a><span style="color: rgb(51, 51, 255);"> , </span><a style="color: rgb(51, 51, 255);" href="http://cybertwixt.blogspot.com/">Cyber Tweaks</a><span style="color: rgb(51, 51, 255);"> , </span><a style="color: rgb(51, 51, 255);" href="http://fernmarc.page.tl/">PC Operatis</a><span style="color: rgb(51, 51, 255);"> , </span><a style="color: rgb(51, 51, 255);" href="http://bytamini.blog.com/">Bytamin I</a><span style="color: rgb(51, 51, 255);"> , </span><a style="color: rgb(51, 51, 255);" href="http://coolgizmodgets.blogspot.com/">Cool Gizmodgets</a><span style="color: rgb(51, 51, 255);"> , </span><a style="color: rgb(51, 51, 255);" href="http://onlineshopster.blogspot.com/"> Online Shopster</a></span></span></span></span><br /><span style="font-size: 85%;"><span style="font-size: 180%; font-family: arial;"><span style="font-size: 85%;"><span style="font-size: 100%;"><br /></span></span></span></span>Giovshttp://www.blogger.com/profile/08618764204918987843noreply@blogger.com0tag:blogger.com,1999:blog-1958133999801037598.post-36543932211968088682008-08-15T19:09:00.000-07:002008-08-23T01:16:38.065-07:00Balance Your Business’ Future with GPS Insight<div style="text-align: justify;"><a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEipBSE44gX2EnbDrCgIS6FTnw9AaeO86tPuN-9MbS9KD9eh8y7BvLaezjdKdGU5O8c1K0AIvjQDqrovXI5Y20_-rKNApG-KW2ZUbZoemGsMA8-5zs35B6OVV3fOYY8AvBer8W05aQyeMPE/s1600-h/GPS0.jpg"><img style="margin: 0pt 0pt 10px 10px; float: right; cursor: pointer;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEipBSE44gX2EnbDrCgIS6FTnw9AaeO86tPuN-9MbS9KD9eh8y7BvLaezjdKdGU5O8c1K0AIvjQDqrovXI5Y20_-rKNApG-KW2ZUbZoemGsMA8-5zs35B6OVV3fOYY8AvBer8W05aQyeMPE/s320/GPS0.jpg" alt="" id="BLOGGER_PHOTO_ID_5237624060786232322" border="0" /></a><img src="file:///C:/DOCUME%7E1/Fernando/LOCALS%7E1/Temp/moz-screenshot-6.jpg" alt="" />How do business owners and managers establish strategic practices around their visions/intents and consequently create both high commitment and high performance? While uncertainty sometimes is essential to success, being ill-informed about the real perspective outside the office walls is unhelpful. Yes, for service and trucking companies (long haul trucking, delivery vehicles, sales forces, HVAC, roofing, plumbing, construction, etc), your likelihood of attaining success in operations and earnings can be enhanced with excellent planning, consistent information, and sheer insight. Commence reviewing your potentials and weaknesses, consider the benefits of effecting cost-effective and sound management decisions based on accurate and reliable data-gathering implement such as <a href="http://www.gpsinsight.com/index.php?page=about"><span style="font-weight: bold;">GPS (Global Positioning System)</span></a>. The measurement capability of GPS provides numerous ways of achieving efficiency, waste identification, and cost-reduction. What’s the business secret behind GPS? How can it help step up your business operations?<br /></div><div style="text-align: justify;"><br /></div><div style="text-align: justify;"><span style="font-size:85%;">The <span style="font-style: italic;">Global Positioning System (GPS)</span> is a radio-navigation system that uses a constellation of 24 - 32 Medium Earth Orbit satellites that broadcast precise microwave signals to GPS receivers and thus supply reliable positioning, navigation, and timing services to civilian users continuously. The accessibility and precision of the Global Positioning System (GPS) offers increased efficiencies and safety for vehicles using highways, streets, and mass transit systems. Many of the problems related with the routing and dispatch of commercial vehicles is considerably reduced or eliminated with the help of GPS. For anyone with a GPS receiver, the system will provide accurate location, speed, direction and time in all weather, day and night, anywhere in the world.<br />With a <span style="font-style: italic;">GPS tracking</span> device, you can use the GPS to determine the precise location of a vehicle, person, or other asset to which it is attached and to record the position of the asset at regular intervals. The recorded location data can be stored within the tracking unit, or it may be transmitted to a central location data base, or internet-connected computer, using a cellular (GPRS), radio, or satellite modem embedded in the unit. This allows the asset's location to be displayed against a map backdrop either in real-time or when analyzing the track later, using customized software. </span><br /><br />With your service or trucking business, your future success should start now with effective management balanced with GPS support. To fully exploit Global Positioning System technology for your business, <a href="http://www.gpsinsight.com/"><span style="font-style: italic; font-weight: bold;">GPS Insight Vehicle Tracking System</span></a> is now available for your practical implementation. <span style="font-style: italic;">GPS Insight</span> is hardware and web-software vehicle-tracking product which pooled together GPS, wireless networks (AT&T/T-Mobile), internet access and Google Earth to create detailed descriptions of vehicle locations, driver activities and driving habits that were previously inconvenient to track. <span style="font-style: italic;">GPS Insight </span>brings together a number of modern advances in 3D and satellite mapping with real-time updates in a Web-based configuration to succinctly create report on trip times, stop times, as well as their averages and variances, which direct further specific business analysis. Accordingly with G<span style="font-style: italic;">PS Insight</span>, exact locations, times, and activity can be analyzed. Other types of reports put a figure on who is speeding, how long various vehicles are used during the day, vs. payroll hours, when vehicles are used outside of regular business hours, whether or not the prearranged route is taken, and how many miles/hours are used-up driving in each state.<br /><br />As a manager or owner of a vehicle-based business, balancing your business operations with accurate information is balancing your thoughts and your concerns which is tantamount to getting a good night sleep with <span style="font-style: italic;">GPS Insight</span>. Buying this great product is establishing a thriving partnership with GPS Insight. If you're running some field works, you need the finest equipment and tools, or if working with the vehicles to make business happen, the best and the most precise tool is the right one. Precise time is crucial to the diversity of money-making activities around the world. They all rely on precision timing for synchronization and operational efficiency. GPS Insight has initiated sure steps toward complimentary data warehousing and data mining service to assist clients’ sort through important data. The <span style="font-style: italic;">GPS Insight</span> system is capable of processing about a million road miles worth of data in just about a minute to convey descriptive clarity to management concerns. <span style="font-style: italic;">GPS Insight </span>reduced uncertainty on many quantities in an economical approach; it qualifies as an efficient measurement instrument and thus, makes this vehicle-tracking tool absolutely necessary.<br /><br />For your online transaction and support for this incredible product, the G<span style="font-style: italic;">PS Insight </span>website, comes very friendly and informative. <a href="http://support.gpsinsight.com/"><span style="font-weight: bold; font-style: italic;">GPS Insight support wiki for customers</span></a> provides support information, helpful tips, and general information about the GPS Insight product. The great customer service you get when you call with questions or concerns makes the whole package favorably friendlier. The units you order will reach you up-and-running in less than a day or as early as tomorrow. They ship same day when paying by credit card, and have plenty of inventory. Most other GPS providers will take up to 60 days to perform a credit check, program your units, set up your account, and so on. <span style="font-style: italic;">GPS Insight</span> streamlined process gives customers the rapid response they often require to solve problems with their fleet using GPS tracking.<br /><br />Altogether, <span style="font-style: italic;">GPS Insight</span> cost $1.50 - $2.00 per day per vehicle, and your company profits from fuel savings, routing efficiencies, and streamlined vehicle maintenance, elimination of possible accidents, no more unnecessary labor paid, and more. Aha! For orders of $2,000 or more, (4 units, typically), <span style="font-style: italic;">GPS Insight</span> offers lease at competitive rates with the paperwork completed within 3-4 days. You can still lease their product and be on operation within the week!<br /><br />There are no better offers available! <span style="font-style: italic;">GPS Insight</span> is the only company which incorporates engine diagnostics (engine light status/fault codes, real speeds, real odometer readings, real idling/RPM & actual fuel consumption/MPG) with its baseline product, no hidden fees, no commitment to a long contract, and the best mapping available. <a href="http://www.gpsinsight.com/blog"><span style="font-weight: bold; font-style: italic;">The Blog for GPS vehicle tracking</span></a> provides detailed illustrations, feedback, reports and other relevant specifics to keep you on track and well-informed.<br /><br /><span style="font-style: italic;">GPS Insight</span> provides a 30-day money back guarantee, and offers free trials for qualified companies. Live demonstrations can be gladly given in their offices, at your location, or via WebEx presentations.<br /><br />And you’ll even get it strong to the hook because <span style="font-style: italic;">GPS Insight</span> product evolves fast - taking input and advice from customers and adding capabilities, functions, and completely new areas on the website on a regular basis. All of these requests and enhancements, combined with the best in recent technology and mapping, are what makes <span style="font-style: italic;">GPS Insight</span> keep pace and stand out among the others. Try this cutting-edge product and get a first-hand experience of excellence in both product and support.<br /></div>Giovshttp://www.blogger.com/profile/08618764204918987843noreply@blogger.com0tag:blogger.com,1999:blog-1958133999801037598.post-37424233280567081722008-08-10T06:38:00.000-07:002008-08-11T00:52:02.108-07:00Affordable, Trendy, Quality Prescription Eyeglasses + Case<div style="text-align: justify;"><a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiM84GaAq2cIKRhwA3j3bimdlGgmZELenr0d0N2X_WWGAHKQJlrJogUaOvKPTz2OivH0dezTeUWPZRc6SEj7_ZiQt3009adKAIl_i0j1v3I3m7-KpvXGAdeglSXCLZsHOh0w3JZNWZJ1IU/s1600-h/zenni.jpg"><img style="margin: 0pt 10px 10px 0pt; float: left; cursor: pointer; width: 194px; height: 271px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiM84GaAq2cIKRhwA3j3bimdlGgmZELenr0d0N2X_WWGAHKQJlrJogUaOvKPTz2OivH0dezTeUWPZRc6SEj7_ZiQt3009adKAIl_i0j1v3I3m7-KpvXGAdeglSXCLZsHOh0w3JZNWZJ1IU/s320/zenni.jpg" alt="" id="BLOGGER_PHOTO_ID_5232880208268139394" border="0" /></a><span style="font-size:100%;"><span style="font-family:arial;">Top quality eyeglasses extend your need for prescription accuracy and optical clarity to that of achieving elegance in fashion and style. 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The big haggle is – these stylish Zenni prescription eyeglasses are reasonably priced, starting at </span></span><span style="font-size: 100%;"><span style="font-family: arial;"><a style="font-style: italic;" href="http://zennioptical.com/cart/home.php">Zenni Optical $8 Rx Eyeglasses</a></span></span><span style="font-size:100%;"><span style="font-family:arial;"> + case.<br /><br />What's more amazing here is that ZENNI’s own manufactured brand of prescription eyeglasses bears the score for great durability, safety and comfort. This is a real deal, that’s why </span></span><span style="line-height: 115%; font-size: 100%;"><a style="font-style: italic;" href="http://www.myfoxwghp.com/myfox/pages/Home/Detail;jsessionid=7AC86B4EE9EEC0FA4750BC35C68C8A25?contentId=5835241&version=3&locale=EN-US&layoutCode=VSTY&pageId=1.1.1&sflg=1">Zenni Optical was on FOX News</a></span><span style="font-size:100%;"><span style="font-family:arial;">! 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They have best and technologically advance <a href="http://www.sinrex.com/">male enhancement</a> products that you will surely satisfied.<br /><br />They also have their <a href="http://www.penis-enlargement-review.org/x4_labs_penis_extender_review">penis stretcher</a> which is also useful to increase the size of your penis the way you like to have. If have questions or other inquiries, you can visit their website at www.sinrex.com now.Giovshttp://www.blogger.com/profile/08618764204918987843noreply@blogger.com1tag:blogger.com,1999:blog-1958133999801037598.post-79756122844885353572008-03-10T07:54:00.000-07:002008-03-10T08:06:16.529-07:00Make Your Own WebsiteThere are plenty of options to make your own website. I will cover a few no cost, easy to set up sites. I will also discuss registering a domain name and choosing a hosting service. A blog is essentially a website but with more functionality and there are quite a few sites that will allow you to set up a blog for free. Make your own website for free, it sounds to good to be true. The trade off with free sites is they will usually display ads on your site unless you upgrade to their paid account option. You can try out a blog host for a couple of weeks and if you like the service you can either live with the ads or pay to upgrade your account. Blogger is one exception they have done away with their ads and it is easy to use with a robust feature set for users of all levels. Another popular option is Wordpress it has a clear interface and powerful features and best of all it is free. Xanga which is also free is one of the most popular blog host providers for teenagers and young adults. Another interesting feature than you can use in conjunction with your Blogger or Wordpress account is Audio Blogger, you can find it at audioblog.com. It allows you to create an audio blog by either recording with your web browser or by calling in on a telephone. You can call from your cell phone from anywhere in the world and even interview someone on a conference call. A few years ago who would have have thought you could make your own website and call in audio from your cell phone, to create a podcast that could be heard by millions of people. Audio Blog also allows you to to upload videos to your blog. You can record digital video on your cell phone or webcam and upload it. The only drawback is it is 4.95 a month. If you would like to have more control over your blog you can chose your own domain name and web hosting service. I personally use business hosting from Yahoo! Web Hosting. I chose Yahoo because it is reliable and comes with a free domain name, all you have to do is pay the low monthly hosting fee. It also has one click installation of Wordpress. Hostgator is another affordable service and it is also easy to install Wordpress on their server as well. It has never been easier to make your own website. The reason I think blogs are better than a traditional website is that they have an RSS feed which stands for Really Simple Syndication. It allows readers to subscribe to your blog and easily keep track of new and updated content. Well there you go, I have given you a few options to make your own website. You should have one up and running in no time at all. Drop me a line and let me know how it works out for you.<br /><br /><br /><p>More informative links here:</p> <p align="center"><a href="http://www.ttgpromotions.com/">Site Promotion</a> | <a href="http://gosison.com/">SEO</a> | <a href="http://blogtechrev.com/">Technology</a> | <a href="http://worldtechblog.com/">Gadgets</a> | <a href="http://penomatic.com/">Articles</a> | <a href="http://revomatic.com/">Reviews</a> | <a href="http://flydworld.com/">Travel</a> | <a href="http://www.moneymakermatic.com/">Finance</a> | <a href="http://www.blogrevs.com/">Blogs</a> | <a href="http://www.thinkrevs.com/">Opinions</a> | <a href="http://www.born4blog.com/">Blogging</a> | <a href="http://www.ithinkme.com/">Entertainment</a> | <a href="http://videotechblog.com/">Movies</a>| <a href="http://www.amillionblog.com/">Websites</a> | <a href="http://www.sisonizer.com/">Contest</a> | <a href="http://www.masamit.com/">Sugar Free Blog</a> | <a href="http://www.bonsang.com/">Video Blogging</a></p>Giovshttp://www.blogger.com/profile/08618764204918987843noreply@blogger.com0tag:blogger.com,1999:blog-1958133999801037598.post-36536172348263690292008-03-10T07:32:00.000-07:002008-03-10T07:43:28.770-07:00A List of Reasons Why You Need to Start a BlogBlogging is taking the world of journalism and marketing by storm and easily the most influential activity on the internet. A blog is allowing individuals and businesses to post the state of the world, upcoming business promotions and anything personal someone may feel is important.<br /><br />Think of your blogs as an opinion piece on anything in particular that you may feel is important. Some people have blogs on specific topics or specific areas like a city or vacation spot. Some blogs are set up as a source for highly specialized topics in the news which are often ignored by the mainstream media. Blogs are also tools of internet marketers and business owners promoting a product or service.<br /><br />It isn’t just computer savvy people either that are starting their own blogs. It’s people like you and me. If you're thinking of starting a blog for whatever reason you want, but aren't quite convinced, think about some of these following reasons why it is a great idea to start one.<br /> <ul><br /><li><b>Simple as can be</b> – If there ever was a better time to start a blog, then this is it. There are a plethora of free blog templates available which are extremely user friendly. The only work you need to do is register then follow a few simple instructions. Even if you have with little or no technical skills, you can still start a blog.<br /><br /></li><li><b>Make some money with your blog</b> - Pay-per-click advertising programs like Adsense, and affiliate programs available with Amazon.com and Commission Junction can produce a nice chunk of change in your pocket. The only requirement is you need to have a website or blog.<br /><br /></li><li><b>Say something</b>– Blogs are great way to state your point of view and possibly change someone point of view if you’re the kind of person who likes to talk about issues. It’s only a matter of time before you build up steady traffic, and more in-depth discussions among like-minded bloggers and blog readers will take place.<br /><br /></li><li><b>Keep in touch</b> – A great and cheap way to stay in touch is to start a family blog. Publish family related newsletters and have everyone can keep in touch via the comments.<br /><br /></li><li><b>Make a difference</b> – You have the ability to touch and reach people through your blog. While your traffic might be low at first, given a little bit of time and the right theme, your blog has the potential to reach thousands, even millions of people just like yourself. Blogs are quickly becoming a powerful medium.<br /><br /></li><li><b>Express your creativity to the world</b> – You’ll have an outlet for others to see your work if you are an up and coming poet, artist, comedian, or author. You’ll reach more people easier through a blog than normal channels and methods.<br /><br /></li><li><b>You're the best</b> – What are you good at? If you think you are the best at something such as model trains, darts, or marketing, don’t be afraid to show everyone. Start a blog for other experts like yourself or offer tips and advice to your readers.<br /><br /></li><li><b>Promote your business</b> - Blogging leads to new clients and business opportunities as well as keeps existing customers updated on company news. Promote your latest breakthrough; update existing products changes; and alert customers to future promotions. It will also allow you to receive important feedback on products and services through its comment section.</li></ul><br />Links to visit:<br /><br /><a href="http://dickiesz.blogspot.com/">Game</a> | <a href="http://www.jrseocontest2008.com//">SEOContest2008</a> | <a href="http://gravatiz.blogspot.com/">Sports</a> | <a href="http://flyflotz.blogspot.com/">Soccer</a> | <a href="http://fratelliz.blogspot.com/">Travel</a> | <a href="http://ninewestz.blogspot.com/">Golf</a> | <a href="http://tatamiz.blogspot.com/">Running</a> | <a href="http://jumpingjacksz.blogspot.com/">Cycling</a> | <a href="http://danielgreenz.blogspot.com/">Basketball</a> | <a href="http://kaylandz.blogspot.com/">Walking</a> | <a href="http://conversekidsz.blogspot.com/">biking</a> | <a href="http://tommybahamaz.blogspot.com/">tommy bahama</a> | <a href="http://olukaiz.blogspot.com/">olukai</a> | <a href="http://eccogolf.blogspot.com/">ecco golf</a> | <a href="http://misssixtyz.blogspot.com/">missy sixty</a> | <a href="http://umikidsz.blogspot.com/">umi kids</a> | <a href="http://emericaz.blogspot.com/">emerica</a> | <a href="http://yellowboxz.blogspot.com/">yellow box</a> | <a href="http://weeboxkidsz.blogspot.com/">weebok kids</a> | <a href="http://viaspigaz.blogspot.com/">via spaga</a> | <a href="http://onexz.blogspot.com/">onex</a> | <a href="http://coclicoz.blogspot.com/">coclico</a> | <a href="http://mizunoz.blogspot.com/">Mizuno</a> | <a href="http://mynikez.blogspot.com/">My Nike</a> | <a href="http://myadidasz.blogspot.com/">My Adidas</a> | <a href="http://myskechersz.blogspot.com/">My Skechers</a> | <a href="http://mypumaz.blogspot.com/">My Puma</a> | <a href="http://calvinkleinz.blogspot.com/">Calvein Klein</a> | <a href="http://moschinoz.blogspot.com/">Moschino</a> | <a href="http://naturalizerz.blogspot.com/">Naturalizer</a> | <a href="http://dknyz.blogspot.com/">D K N Y</a> |Giovshttp://www.blogger.com/profile/08618764204918987843noreply@blogger.com0tag:blogger.com,1999:blog-1958133999801037598.post-81759934776052551112008-03-10T07:24:00.000-07:002008-03-10T07:31:10.007-07:00Angels Or Devils by DISHWALLA<div style="text-align: center;"><span style="font-family:Verdana;font-size:180%;"><span style="font-size:85%;"> this is the last time</span></span><br /><span style="font-family:Verdana;font-size:180%;"><span style="font-size:85%;"> that I'm ever gonna come here tonight</span></span><br /><span style="font-family:Verdana;font-size:180%;"><span style="font-size:85%;"> this is the last time - I will fall </span></span><br /><span style="font-family:Verdana;font-size:180%;"><span style="font-size:85%;"> into a place that fails us all - inside</span></span><br /><span style="font-family:Verdana;font-size:180%;"><span style="font-size:85%;"> </span></span><br /><span style="font-family:Verdana;font-size:180%;"><span style="font-size:85%;"> I can see the pain in you</span></span><br /><span style="font-family:Verdana;font-size:180%;"><span style="font-size:85%;"> I can see the love in you</span></span><br /><span style="font-family:Verdana;font-size:180%;"><span style="font-size:85%;"> but fighting all the demons will take time</span></span><br /><span style="font-family:Verdana;font-size:180%;"><span style="font-size:85%;"> it will take time</span></span><br /><span style="font-family:Verdana;font-size:180%;"><span style="font-size:85%;"> </span></span><br /><span style="font-family:Verdana;font-size:180%;"><span style="font-size:85%;"> the angels they burn inside for us </span></span><br /><span style="font-family:Verdana;font-size:180%;"><span style="font-size:85%;"> are we ever </span></span><br /><span style="font-family:Verdana;font-size:180%;"><span style="font-size:85%;"> are we ever gonna learn to fly</span></span><br /><span style="font-family:Verdana;font-size:180%;"><span style="font-size:85%;"> the devils they burn inside of us</span></span><br /><span style="font-family:Verdana;font-size:180%;"><span style="font-size:85%;"> are we ever gonna come back down </span></span><br /><span style="font-family:Verdana;font-size:180%;"><span style="font-size:85%;"> come around</span></span><br /><span style="font-family:Verdana;font-size:180%;"><span style="font-size:85%;"> I'm always gonna worry about the things that could make us cold</span></span><br /><span style="font-family:Verdana;font-size:180%;"><span style="font-size:85%;"> </span></span><br /><span style="font-family:Verdana;font-size:180%;"><span style="font-size:85%;"> this is the last time </span></span><br /><span style="font-family:Verdana;font-size:180%;"><span style="font-size:85%;"> that I'm ever gonna give in tonight</span></span><br /><span style="font-family:Verdana;font-size:180%;"><span style="font-size:85%;"> are there angels or devils crawling here?</span></span><br /><span style="font-family:Verdana;font-size:180%;"><span style="font-size:85%;"> I just want to know what blurs and what is clear - to see </span></span><br /><span style="font-family:Verdana;font-size:180%;"><span style="font-size:85%;"> </span></span><br /><span style="font-family:Verdana;font-size:180%;"><span style="font-size:85%;"> still I can see the pain in you</span></span><br /><span style="font-family:Verdana;font-size:180%;"><span style="font-size:85%;"> and I can see the love in you</span></span><br /><span style="font-family:Verdana;font-size:180%;"><span style="font-size:85%;"> and fighting all the demons will take time</span></span><br /><span style="font-family:Verdana;font-size:180%;"><span style="font-size:85%;"> it will take time</span></span><br /><span style="font-family:Verdana;font-size:180%;"><span style="font-size:85%;"> </span></span><br /><span style="font-family:Verdana;font-size:180%;"><span style="font-size:85%;"> the angels they burn inside for us </span></span><br /><span style="font-family:Verdana;font-size:180%;"><span style="font-size:85%;"> are we ever </span></span><br /><span style="font-family:Verdana;font-size:180%;"><span style="font-size:85%;"> are we ever gonna learn to fly</span></span><br /><span style="font-family:Verdana;font-size:180%;"><span style="font-size:85%;"> the devils they burn inside of us</span></span><br /><span style="font-family:Verdana;font-size:180%;"><span style="font-size:85%;"> are we ever gonna come back down - come around </span></span><br /><span style="font-family:Verdana;font-size:180%;"><span style="font-size:85%;"> I'm always gonna worry about the things that could break us</span></span><br /><span style="font-family:Verdana;font-size:180%;"><span style="font-size:85%;"> </span></span><br /><span style="font-family:Verdana;font-size:180%;"><span style="font-size:85%;"> if I was to give in - give it up</span></span><br /><span style="font-family:Verdana;font-size:180%;"><span style="font-size:85%;"> - and then</span></span><br /><span style="font-family:Verdana;font-size:180%;"><span style="font-size:85%;"> take a breath - make it deep</span></span><br /><span style="font-family:Verdana;font-size:180%;"><span style="font-size:85%;"> cause it might be the last one you get</span></span><br /><span style="font-family:Verdana;font-size:180%;"><span style="font-size:85%;"> be the last one </span></span><br /><span style="font-family:Verdana;font-size:180%;"><span style="font-size:85%;"> that could make us cold</span></span><br /><span style="font-family:Verdana;font-size:180%;"><span style="font-size:85%;"> you know that they could make us cold</span></span><br /><span style="font-family:Verdana;font-size:180%;"><span style="font-size:85%;"> I'm always gonna worry about the things that could make us cold</span></span><br /><br /><br /><span style="font-family:Verdana;font-size:180%;"><span style="font-size:85%;">A big, big, big thanks to the following sponsors:</span></span><br /><br /><br /><a href="http://mizunoz.blogspot.com/">Mizuno</a> | <a href="http://mynikez.blogspot.com/">My Nike</a> | <a href="http://myadidasz.blogspot.com/">My Adidas</a> | <a href="http://myskechersz.blogspot.com/">My Skechers</a> | <a href="http://mypumaz.blogspot.com/">My Puma</a> | <a href="http://calvinkleinz.blogspot.com/">Calvein Klein</a> | <a href="http://moschinoz.blogspot.com/">Moschino</a> | <a href="http://naturalizerz.blogspot.com/">Naturalizer</a> | <a href="http://dknyz.blogspot.com/">D K N Y</a> | <a href="http://coclicoz.blogspot.com/">Coclico</a> | <a href="http://onexz.blogspot.com/">Onex</a> | <a href="http://viaspigaz.blogspot.com/">Via Spiga</a> | <a href="http://weeboxkidsz.blogspot.com/">Weebok Kids</a> | <a href="http://yellowboxz.blogspot.com/">Yellow box</a> | <a href="http://emericaz.blogspot.com/">Emerica</a> | <a href="http://umikidsz.blogspot.com/">Umi Kids</a> | <a href="http://misssixtyz.blogspot.com/">Miss Sixty</a> | <a href="http://eccogolf.blogspot.com/">Ecco Golf</a> | <a href="http://olukaiz.blogspot.com/">Olukai</a> | <a href="http://tommybahamaz.blogspot.com/">Tommy Bahama</a> | <a href="http://conversekidsz.blogspot.com/">Converse Kids</a> | <a href="http://kaylandz.blogspot.com/">Kayland</a> | <a href="http://jumpingjacksz.blogspot.com/">Jumping Jacks</a> | <a href="http://tatamiz.blogspot.com/">Tatami</a> | <a href="http://danielgreenz.blogspot.com/">Daniel Green</a> | <a href="http://ninewestz.blogspot.com/">Nine West</a> | <a href="http://fratelliz.blogspot.com/">Fratelli</a> | <a href="http://dickiesz.blogspot.com/">Dickies</a> | <a href="http://flyflotz.blogspot.com/">Fly Flot</a> | <a href="http://gravatiz.blogspot.com/">Gravati</a><br /></div>Giovshttp://www.blogger.com/profile/08618764204918987843noreply@blogger.com0tag:blogger.com,1999:blog-1958133999801037598.post-52950061706852081632008-03-10T07:09:00.000-07:002008-03-10T07:13:05.261-07:00Official Music Video of Broken - Seether and Amy Lee Duet<object width="425" height="355"><param name="movie" value="http://www.youtube.com/v/CoUOrLe4vlY"></param><param name="wmode" value="transparent"></param><embed src="http://www.youtube.com/v/CoUOrLe4vlY" type="application/x-shockwave-flash" wmode="transparent" width="425" height="355"></embed></object>Giovshttp://www.blogger.com/profile/08618764204918987843noreply@blogger.com0tag:blogger.com,1999:blog-1958133999801037598.post-11885271430423245322008-03-10T06:56:00.000-07:002008-03-10T07:07:44.133-07:00Seether and Evanesence Broken LyricsSeether:<br />I wanted you to know that<br />I love the way you laugh<br />I wanna hold you high and steal your pain away...<br />I keep your photograph and<br />I know it serves me well<br />I wanna hold you high and steal your pain<br /><br />Cause im broken when im lonesome<br />And I don't feel right when you're gone away<br /><br />You gone away, you don't feel me here, anymore<br /><br />Amy Lee:<br />The worst is over now<br />And we can breathe again<br />I wanna hold you high, you steal my pain away<br />There's so much left to learn<br />And no one left to fight<br />I wanna hold you high and steal your pain<br /><br />Cause I'm broken when I'm open<br />And I don't feel like I am strong enough<br />Cause I'm broken when I'm lonesome<br />And I don't feel right when you're gone away<br /><br />Cause I'm broken when I'm open<br />And I don't feel like I am strong enough<br />Cause I'm broken when I'm lonesome<br />And I don't feel right when you're gone away...<br /><br />Cause I'm Broken when I'm lonesome<br />And I don't feel right when you're gone...<br />You gone away, you don't feel me here anymore<br /><br /><br />Acknowledgment for the following donors:<br /><br /><br /><div style="text-align: center;"><a href="http://mizunoz.blogspot.com/">Mizuno</a> | <a href="http://mynikez.blogspot.com/">My Nike</a> | <a href="http://myadidasz.blogspot.com/">My Adidas</a> | <a href="http://myskechersz.blogspot.com/">My Skechers</a> | <a href="http://mypumaz.blogspot.com/">My Puma</a> | <a href="http://calvinkleinz.blogspot.com/">Calvein Klein</a> | <a href="http://moschinoz.blogspot.com/">Moschino</a> | <a href="http://naturalizerz.blogspot.com/">Naturalizer</a> | <a href="http://dknyz.blogspot.com/">D K N Y</a> | <a href="http://coclicoz.blogspot.com/">Coclico</a> | <a href="http://onexz.blogspot.com/">Onex</a> | <a href="http://viaspigaz.blogspot.com/">Via Spiga</a> | <a href="http://weeboxkidsz.blogspot.com/">Weebok Kids</a> | <a href="http://yellowboxz.blogspot.com/">Yellow box</a> | <a href="http://emericaz.blogspot.com/">Emerica</a> | <a href="http://umikidsz.blogspot.com/">Umi Kids</a> | <a href="http://misssixtyz.blogspot.com/">Miss Sixty</a> | <a href="http://eccogolf.blogspot.com/">Ecco Golf</a> | <a href="http://olukaiz.blogspot.com/">Olukai</a> | <a href="http://tommybahamaz.blogspot.com/">Tommy Bahama</a> | <a href="http://conversekidsz.blogspot.com/">Converse Kids</a> | <a href="http://kaylandz.blogspot.com/">Kayland</a> | <a href="http://jumpingjacksz.blogspot.com/">Jumping Jacks</a> | <a href="http://tatamiz.blogspot.com/">Tatami</a> | <a href="http://danielgreenz.blogspot.com/">Daniel Green</a> | <a href="http://ninewestz.blogspot.com/">Nine West</a> | <a href="http://fratelliz.blogspot.com/">Fratelli</a> | <a href="http://dickiesz.blogspot.com/">Dickies</a> | <a href="http://flyflotz.blogspot.com/">Fly Flot</a> | <a href="http://gravatiz.blogspot.com/">Gravati</a></div>Giovshttp://www.blogger.com/profile/08618764204918987843noreply@blogger.com0tag:blogger.com,1999:blog-1958133999801037598.post-7740900976592704622008-03-10T06:49:00.000-07:002008-03-10T06:55:49.809-07:00Hinder - Lips Of An Angel Official Music Video<object width="425" height="355"><param name="movie" value="http://www.youtube.com/v/Gtnf9EqijT0"></param><param name="wmode" value="transparent"></param><embed src="http://www.youtube.com/v/Gtnf9EqijT0" type="application/x-shockwave-flash" wmode="transparent" width="425" height="355"></embed></object>Giovshttp://www.blogger.com/profile/08618764204918987843noreply@blogger.com0tag:blogger.com,1999:blog-1958133999801037598.post-29758568302085200132008-03-10T06:38:00.000-07:002008-03-10T06:48:54.016-07:00Lips Of An Angel<span style="font-family:Verdana;font-size:180%;"><span style="font-size:85%;"> Honey why you calling me so late?<br />It's kinda hard to talk right now.<br />Honey why are you crying? Is everything okay?<br />I gotta whisper 'cause I can't be too loud<br /><br />Well, my girl's in the next room<br />Sometimes I wish she was you<br />I guess we never really moved on<br />It's really good to hear your voice saying my name<br />It sounds so sweet<br />Coming from the lips of an angel<br />Hearing those words it makes me weak<br /><br />And I never wanna say goodbye<br />But girl you make it hard to be faithful<br />With the lips of an angel<br /><br />It's funny that you're calling me tonight<br />And, yes, I've dreamt of you too<br />And does he know you're talking to me<br />Will it start a fight<br />No I don't think she has a clue<br /><br />Well my girl's in the next room<br />Sometimes I wish she was you<br />I guess we never really moved on<br />It's really good to hear your voice saying my name<br />It sounds so sweet<br />Coming from the lips of an angel<br />Hearing those words it makes me weak<br /><br />And I never wanna say goodbye<br />But girl you make it hard to be faithful<br />With the lips of an angel<br /><br />It's really good to hear your voice saying my name<br />It sounds so sweet<br />Coming from the lips of an angel<br />Hearing those words it makes me weak<br /><br />And I never wanna say goodbye<br />But girl you make it hard to be faithful<br />With the lips of an angel<br /><br />And I never wanna say goodbye<br />But girl you make it hard to be faithful<br />With the lips of an angel<br /><br />Honey why you calling me so late?<br /><br /><br /></span></span><span style="font-family:Verdana;font-size:180%;"><span style="font-size:85%;">Special thanks to the following sponsors:<br /><br /></span></span> <div style="text-align: center;"><span style="font-size:85%;"><a href="http://mizunoz.blogspot.com/">Mizuno</a> | <a href="http://mynikez.blogspot.com/">My Nike</a> | <a href="http://myadidasz.blogspot.com/">My Adidas</a> | <a href="http://myskechersz.blogspot.com/">My Skechers</a> | <a href="http://mypumaz.blogspot.com/">My Puma</a> | <a href="http://calvinkleinz.blogspot.com/">Calvein Klein</a> | <a href="http://moschinoz.blogspot.com/">Moschino</a> | <a href="http://naturalizerz.blogspot.com/">Naturalizer</a> | <a href="http://dknyz.blogspot.com/">D K N Y</a> | <a href="http://coclicoz.blogspot.com/">Coclico</a> | <a href="http://onexz.blogspot.com/">Onex</a> | <a href="http://viaspigaz.blogspot.com/">Via Spiga</a> | <a href="http://weeboxkidsz.blogspot.com/">Weebok Kids</a> | <a href="http://yellowboxz.blogspot.com/">Yellow box</a> | <a href="http://emericaz.blogspot.com/">Emerica</a> | <a href="http://umikidsz.blogspot.com/">Umi Kids</a> | <a href="http://misssixtyz.blogspot.com/">Miss Sixty</a> | <a href="http://eccogolf.blogspot.com/">Ecco Golf</a> | <a href="http://olukaiz.blogspot.com/">Olukai</a> | <a href="http://tommybahamaz.blogspot.com/">Tommy Bahama</a> | <a href="http://conversekidsz.blogspot.com/">Converse Kids</a> | <a href="http://kaylandz.blogspot.com/">Kayland</a> | <a href="http://jumpingjacksz.blogspot.com/">Jumping Jacks</a> | <a href="http://tatamiz.blogspot.com/">Tatami</a> | <a href="http://danielgreenz.blogspot.com/">Daniel Green</a> | <a href="http://ninewestz.blogspot.com/">Nine West</a> | <a href="http://fratelliz.blogspot.com/">Fratelli</a> | <a href="http://dickiesz.blogspot.com/">Dickies</a> | <a href="http://flyflotz.blogspot.com/">Fly Flot</a> | <a href="http://gravatiz.blogspot.com/">Gravati</a></span><br /></div>Giovshttp://www.blogger.com/profile/08618764204918987843noreply@blogger.com0tag:blogger.com,1999:blog-1958133999801037598.post-2055619035004235102008-03-07T07:39:00.000-08:002008-03-07T08:10:05.709-08:00Sports Life - 50 TipsFantasy Baseball Dugout are 50 tips that will help you win your Fantasy Baseball League this season. Follow these tips closely to enhance your chance to win your league championship <a href="http://dickiesz.blogspot.com/">game</a> in 2008 and beyond.<br /><br /> 1st Be prepared for the draft. The league is often won or lost at the draft. Try <a href="http://www.jrseocontest2008.com/">SEOContest2008 </a>too<br /><br /> 2nd Stay focused. It's a long season and a lot of players will drop out from <a href="http://gravatiz.blogspot.com/">sports</a>. If you stay focused on the prize, you'll have a <a href="http://flyflotz.blogspot.com/">soccer</a> shot.<br /><br /> 3rd During the draft, the track positions of your opponents have picked. Knowing this will give you a leg up on strategic picks in later rounds of <a href="http://fratelliz.blogspot.com/">travel</a>.<br /><br /> 4th Go with established players over potential stars. Everybody likes <a href="http://ninewestz.blogspot.com/">golf</a> to brag about picking up that rookie, but often the hype is bigger than the statistics.<br /><br /> 5th In the early rounds, pick the best available <a href="http://tatamiz.blogspot.com/">running</a> player, regardless of position.<br /><br /> 6th Draft stolen bases. A player can be dominant in stolen bases and stolen bases are clearly over-weighted in fantasy baseball. Think Jose Reyes in <a href="http://jumpingjacksz.blogspot.com/">cycling</a>.<br /><br /> 7th Draft closers. Make sure you have one more closer than your nearest competitor. Saves category is an easy to win and another over-weighted category in fantasy baseball.<br /><br /> 8th If a player has been traded since last year, re-adjust his statistics based on the park he'll be playing games in his home. Pitchers sent to Colorado, Cincinnati, or Philadelphia, for example, are likely to have not as impressive statistics. Power statistics should go up, however, if a Hitter is traded to these teams. Alternatively, Los Angeles, Oakland, San Diego, Minnesota and are pitchers' parks and <a href="http://danielgreenz.blogspot.com/">basketball</a>.<br /><br /> 9th Some have minimal Leagues statistics to qualify at a particular position, sometimes as little as a single game. I recall Hank Aaron playing second base ounce. If that is your league's rule, you have to look for opportunities like this and you may get the power of <a href="http://kaylandz.blogspot.com/">walking</a> an outfielder numbers at a position that traditionally rewards defensive prowess <a href="http://conversekidsz.blogspot.com/">biking</a>.<br /><br /> 10th Generally, it's not a good idea to pick a catcher in an early round. They sit out too often and usually do not put up huge statistics anyway as <a href="http://tommybahamaz.blogspot.com/">tommy bahama</a> said.<br /><br /> 11st Do pick positions in early light that are or where some <a href="http://olukaiz.blogspot.com/">olukai</a> players are head and shoulders above the pack. Chase Utley at second base comes to mind and <a href="http://eccogolf.blogspot.com/">ecco golf</a> does.<br /><br /> 12nd Check out the league's transactions every <a href="http://misssixtyz.blogspot.com/">missy sixty</a> day. This is the only way to stay in touch. Being on vacation is no excuse not checking in your team daily.<br /><br /> 13rd Sign up for text message alerts from Google or Yahoo to keep up with fantasy baseball transactions and injuries. This will give you the information quicker than your <a href="http://umikidsz.blogspot.com/">umi kids</a> competition.<br /><br /> 14th Set your internet browser to come up with your <a href="http://emericaz.blogspot.com/">emerica</a> league. So, when you sign on to your computer, you'll have the daily summary there and you will not forget to check on your team.<br /><br /> 15th If you are no longer interested in keeping a player on your roster, shop him to other teams before cutting him. Do not assume other teams are not interested. You may get some value for him that exceeds what they get in the free <a href="http://yellowboxz.blogspot.com/">yellow box</a> agent pool.<br /><br /> 16th If you are a player shopping, however, remember that this is a negotiation. You can not let the other teams in the league know you are shopping this player. Try to cleverly put his name in package deals so that he maintains his value and your opponents will not know they can pick him up for a box of old baseballs and used chewing gum and <a href="http://weeboxkidsz.blogspot.com/">weebok kids</a>.<br /><br /> 17th There are no favorite teams in fantasy baseball.<br /><br /> 18th There are no favorite players in fantasy baseball. Take the human element out of it. A player is just a bundle of statistics.<br /><br /> 19th Do not move up a guy in your analysis because he got hot in spring training.<br /><br /> 20th Do watch the box scores the final two weeks of spring training. This is where jobs are won. You do not want to be a player who drafting the season starts in Pawtucket.<br /><br /> 21st If a guy is unusually hot in spring training, try to trade him then. His <a href="http://viaspigaz.blogspot.com/">via spaga</a> value may never be higher.<br /><br /> 22nd Every player that is on the major league roster needs to be <a href="http://onexz.blogspot.com/">onex</a> ranked, even the sorry guys.<br /><br /> 23rd Do not give away any categories. A championship fantasy <a href="http://coclicoz.blogspot.com/">coclico</a> baseball team needs to be competitive in every category, especially in 5 x 5 leagues. You can not afford to give up a category and still win the <a href="http://dknyz.blogspot.com/">d k n y</a>.<br /><br /> 24th Just like regular baseball, starting <a href="http://moschinoz.blogspot.com/">moschino</a> pitchers can win it for you. Their stats count heavily in four of the five <a href="http://naturalizerz.blogspot.com/">naturalizer</a> pitching categories.<br /><br /> 25th Have a few extra starting pitchers in your minor <a href="http://calvinkleinz.blogspot.com/">calvin klein</a> league roster. If you play in a weekly league, bring up the guy who is getting two starts that week. Now, bring up <a href="http://myskechersz.blogspot.com/">my skechers</a> and <a href="http://mypumaz.blogspot.com/">my puma</a> guy who is facing two opponents that week week.<br /><br /> 26th If your league allows unlimited pitching moves, use them. A starting pitcher is of no value to you on the major league lineup when he's not due to pitch for <a href="http://mynikez.blogspot.com/">my nike</a>.<br /><br /> 27th Do the math on WHIP. I know its a pain, but it's a category that you need to score well in.<br /><br /> 28th Go to as many as possible sources for draft. It's the single most important thing you can do to be prepared.<br /><br /> 29th Remember that statistics are relative to position played. <a href="http://myadidasz.blogspot.com/">My Adidas</a> All star statistics are often at catcher for ordinary outfielders or first basemen. The key is to get the best statistics each position.<br /><br /> 30th A trade has to work for both teams. Do not make a ridiculous offer and hope you can bamboozle the other manager. He'll be more open to making trades later in the season if you are bringing legitimate offers to him, even if he does not take the first offer.<br /><br /> 31st Watch Baseball Tonight! Cut to the wife on your winnings and she will not nag you when you watch it every night ... Maybe.<br /><br /> 32nd Get the ESPN Extra Innings Baseball Package. Besides, if you live in the East, there's nothing like listening to Vin Scully on Dodgers local telecasts. He'll give you a lot of fantasy inside tips.<br /><br /> 33rd Check not only the statistics, but lineup moves. Lineup moves can mean a lot to your player will only deliver, especially when it comes to RBI. My <a href="http://mizunoz.blogspot.com/">Mizuno</a> will do the rest.<br /><br /> 34th In a daily league move, check your lineup pitcher to see what your players are facing. Start against lefties right handed pitchers and vice versa. The righty-lefty analysis at the major league level is critical and is therefore critical in fantasy baseball success as well.<br /><br /> 35th Keep up with injuries. An injured players does you no good in your lineup.<br /><br /> 36th Be a contrarian during the draft. When everybody is making a run at relief pitchers, pick up a DH. There's more likely value there.<br /><br /> 37th Play in a league where all managers have a history of staying involved. A league is no fun if you have actively participating managers who have given up<br /><br /> 38th Play in league with a prize money for at least the top four finishers. This tends to keep players active.<br /><br /> 39th In September, pick up on lead teams that are out of it. This is going to be their chance to show what they've got for next season.<br /><br /> 40th If your league uses playoffs, remember the adage: there's no tomorrow. If you do not maintain players for next season, a drop pitcher after he's made his last start. He's no longer of value to you otherwise.<br /><br /> 41st In traditional statistics Roto leagues, some statistics do not matter. For example, strikeouts be a Hitter do not mean jack. An out is an out so do not worry about picking Adam Dunn.<br /><br /> 42nd Look for most sleeper picks beginning in the 16th round. A sleeper is not a sure thing.<br /><br /> 43rd Be especially careful in knowing who is going to be a team's closer on the job where teams is up for grabs. You can obtain a significant amount of saves later rounds in this way by knowing who is going to be closing.<br /><br /> 44th Starting pitchers are rarely first round material. Then there's Johan Santana and Jake Peavy. Prefer to load up on hitters in the first five rounds, then load up the majority of your starting pitching staff.<br /><br /> 45th Avoid young pitchers in the very earliest rounds. They are simply too risky and prone to poor poorer.<br /><br /> 46th Look at three year trends on players. Going back any further is useless.<br /><br /> 47th Play in a league with old friends. It's a great way to stay in touch.<br /><br /> 48th If there's an attractive single girl in your league, get to know her better. She's almost definitely a keeper.<br /><br /> 49th Support advertisers on the sites like Fantasy Baseball Dugout. Sites like this one that offer free fantasy baseball advice only survive because of revenue earned from its advertising.<br /><br /> 50th When you go to select a game, ever yell down to a player: "Hey Ryan, book on my fantasy baseball team!" Do you really think he gFantasy Baseball Dugout are 50 tips to help you gain your Fantasy Baseball League season. Follow these tips to improve your chances of winning close your championship in the league in 2008 and beyond.<br /><br /> 1st Be prepared for the project. The League is often won or lost, as a project.<br /><br /> 2nd Stay focused. It's a long season and many players leave. If you are focused on the prize, you have a shot.<br /><br /> 3rd During the project, the positions of the opponents have recommenced. Knowledge that you a strategic advantage to start later in the round.<br /><br /> 4th To draw more players with potential stars. Everyone loves to brag to gather recruits, but often the effect mode is greater than the statistics.<br /><br /> 5th In the first round on the best player available, regardless of position.<br /><br /> 6th Design of databases stolen. A player can dominate in the air and the theft of basic fundamentals are clearly weighted in the imagination of baseball. Think Jose Reyes.<br /><br /> 7th Project completed. Make sure that you have a different, closer to the nearest competitor. Judgments to win, it is simply another category, and over-weighted in the category of fantasy baseball.<br /><br /> 8th If a player has been replaced since last year refocusing its statistics based on the park, there are games to play, his house po Pitchers on the Colorado, Cincinnati, Philadelphia, for instance, are probably not so impressive statistics. Power statistics should increase, but when a rapper acted on these teams. Alternatively, Los Angeles, Oakland, San Diego, and Minnesota are the mugs' Park.<br /><br /> 9th Some leagues have a minimum of statistics on the qualifications for a particular position, sometimes even a single game. I remember Hank Aaron played for a second time. Is that your state of the league, must occasions like this, and you can change the numbers of the energy of a outfielder in a position that the award traditionally defensive capabilities.<br /><br /> 10th Normally, it is not a good idea for a receiver in the first round. They are too often to sit and usually do not enormous statistics somehow.<br /><br /> 11st Choose early in the light of the positions, or if some player's head and shoulders over the pack. Chase Utley at second base in mind.<br /><br /> 12nd Check out the League of transactions daily. That is the only way to stay in contact. As in the holiday is no excuse not to check your team every day.<br /><br /> 13rd Subscribe to the SMS notification from Google or Yahoo, to the action of the baseball fantasy and injuries. You will receive information faster than your competitors.<br /><br /> 14th Configure your Internet browser to in your league for information. So, if you connect to your computer, you have the daily digest there and do not forget, in your team.<br /><br /> 15th If you no longer have to keep a player on your list, shop with other teams before he cut. Do not that the other teams are not interested. You can use a certain value, for him, what you get in the free agent pool.<br /><br /> 16th If you have a player with shopping, but do not forget that there is a negotiating position. You can not allow other teams in the league to know that the shopping that player. Try sent his name in arrangements, so that it retains its value and your opponents do not know that they can choose to give it a box baseballs and for the use of old chewing gum.<br /><br /> 17th There is no favorite in the imagination of the baseball team.<br /><br /> 18th There are no favorites in the fantasy baseball player. Take the "human factor". A player is just a series of statistics.<br /><br /> 19th Move a guy in your analysis, because it was in the hot spring in training.<br /><br /> 20th Visit the box scores, the last two weeks in the spring in training. That is where the jobs are obtained. They do not want to be the editors of a player who began the season in Pawtucket.<br /><br /> 21st If a boy is unusually warm, in spring training, try trading. Its value may never be higher.<br /><br /> 22nd Each player, focusing on the most important league file must be evaluated, including the guys sorry.<br /><br /> 23rd Not give all categories. A fantastic championship baseball team needs to be competitive in every category, particularly in 5 x 5 leagues. We can not afford to refrain, a category and still win.<br /><br /> 24th Like regularly by the jugs can win for you. The statistics count heavily in four of the five pitching categories.<br /><br /> 25th Have a little more than mugs from your file in the Minor League. If the game in a weekly newspaper in the league, the boys climb, which this week two runs. Or, the creation of the guy who two weeks ago opponents in the week.<br /><br /> 26th If your league allows an unlimited number of pitching moves, use it. A carrier rocket starting point is worthless for you in the range of leagues, if not at a height of about four days.<br /><br /> 27th If the calculations on WHIP. I know that it is a pain, but this is a category that you need, highlight po<br /><br /> 28th Go to as many sources as possible for the project. That is the most important thing you can do to be ready.<br /><br /> 29th Remember that the statistics on the position of playing. All statistics to the receiver often usual star outfielders or first basemen. The key is to make the best position of figures.<br /><br /> 30th A trade work for the two teams. Not a ridiculous offer, and I hope that you bamboozle the other managers. It will be open to her profession later in the season, when you bring the legitimate offers to him, even if it is not the first offer.<br /><br /> 31st Baseball Watch Tonight! Cut the woman on your winnings, and they do not press hard when you watch it, every night ... Be.<br /><br /> 32nd Get ESPN Baseball Extra Innings package. Incidentally, if you live in the East, hear nothing, as the wine Scully on local TV Dodgers. There are many recommendations in the imagination.<br /><br /> 33rd Make sure not only the statistics, but moves lineup. Lineup movements can be of importance to the statistics of your players deliver, especially when it comes to the RBI.<br /><br /> 34th In a league to move daily, check the line to see what your players Krug face. For lefties against right-mugs, and vice versa. The lefty-righty analysis at the level of the league's most critically, and it is therefore important to fantasy baseball success.<br /><br /> 35th Stay in touch with the wounds. An injured player must nothing good in your statement.<br /><br /> 36th A project being over. If everyone has a race to save the jugs, collect a DH. It is likely that more value.<br /><br /> 37th Playing in the Champions League, where the operators have a story to remain involved. A league is not funny if you are not active participants managers who have renounced.<br /><br /> 38th Playing in a league with prices in silver for at least the first four paver. It allows the players to keep active.<br /><br /> 39th In September collect the prospects of the teams who are outside of it. This is their chance to show what they are for the next season.<br /><br /> 40th If your league playoffs, remember the adage: There is no future. If you do not have a player for next season, after the collapse of a pitcher that he is his last trip. It is no longer of interest to you differently.<br /><br /> 41st In traditional statistics Roto leagues, certain statistics are not important. For example, strikeouts are a rapper not mean Jack. An out is in fact a kind of do not have to worry about collecting Adam Dunn.<br /><br /> 42nd Search more pics sleeper beginning in the 16th Round. A sleep is not secure.<br /><br /> 43rd Be particularly careful of who his team closer to the teams, where the body is, the Congress offered. You can use a large quantity of rounds later, in this sense, to know, will be closed.<br /><br /> 44th From mugs are rare first round. Then, it is Johan Santana and Jake Peavy. Préfèrent load the luggage on the Rappers in the first five rounds, then load up the majority of departure pitching staff.<br /><br /> 45th Avoid the young people in the mugs in the first round. They are simply too risky, and topics in arm trouble.<br /><br /> 46th Consider three years on the development of the players. D'further back is not necessary.<br /><br /> 47th Playing in a league with old friends. It is an excellent way to stay in touch.<br /><br /> 48th If it is a pretty unique girls in your league, get to know better. It is almost certainly a keeper.<br /><br /> 49th Support for customers to sites such as Fantasy Baseball Dugout. The areas like these, the free fantasy baseball recommendations only to survive because the revenue from advertising.<br /><br /> 50th When you play a game without screaming, a player: "Hey Ryan, you are my fantasy baseball team!" Do you really think that because fout? Ives a hoot?<br /><br /><br />USEFUL LINKS:<br /><br /><a href="http://mizunoz.blogspot.com/">Mizuno</a> | <a href="http://mynikez.blogspot.com/">My Nike</a> | <a href="http://myadidasz.blogspot.com/">My Adidas</a> | <a href="http://myskechersz.blogspot.com/">My Skechers</a> | <a href="http://mypumaz.blogspot.com/">My Puma</a> | <a href="http://calvinkleinz.blogspot.com/">Calvein Klein</a> | <a href="http://moschinoz.blogspot.com/">Moschino</a> | <a href="http://naturalizerz.blogspot.com/">Naturalizer</a> | <a href="http://dknyz.blogspot.com/">D K N Y</a> | <a href="http://coclicoz.blogspot.com/">Coclico</a> | <a href="http://onexz.blogspot.com/">Onex</a> | <a href="http://viaspigaz.blogspot.com/">Via Spiga</a> | <a href="http://weeboxkidsz.blogspot.com/">Weebok Kids</a> | <a href="http://yellowboxz.blogspot.com/">Yellow box</a> | <a href="http://emericaz.blogspot.com/">Emerica</a> | <a href="http://umikidsz.blogspot.com/">Umi Kids</a> | <a href="http://misssixtyz.blogspot.com/">Miss Sixty</a> | <a href="http://eccogolf.blogspot.com/">Ecco Golf</a> | <a href="http://olukaiz.blogspot.com/">Olukai</a> | <a href="http://tommybahamaz.blogspot.com/">Tommy Bahama</a> | <a href="http://conversekidsz.blogspot.com/">Converse Kids</a> | <a href="http://kaylandz.blogspot.com/">Kayland</a> | <a href="http://jumpingjacksz.blogspot.com/">Jumping Jacks</a> | <a href="http://tatamiz.blogspot.com/">Tatami</a> | <a href="http://danielgreenz.blogspot.com/">Daniel Green</a> | <a href="http://ninewestz.blogspot.com/">Nine West</a> | <a href="http://fratelliz.blogspot.com/">Fratelli</a> | <a href="http://dickiesz.blogspot.com/">Dickies</a> | <a href="http://flyflotz.blogspot.com/">Fly Flot</a> | <a href="http://gravatiz.blogspot.com/">Gravati</a>Giovshttp://www.blogger.com/profile/08618764204918987843noreply@blogger.com0tag:blogger.com,1999:blog-1958133999801037598.post-46415354508839687922008-03-06T08:10:00.000-08:002008-03-06T08:13:51.416-08:00An Article About the Internet - A Must Read One<p class="post-content">There is an adage that says: “If it is not broke, do not fix it”. But when it is broken, and we do not know why or how, how can fix it anyway? They always have to know how something works, and why it does not work, then improve or fix it. The same is true with <a href="http://worldtechblog.com/">SEO</a> <a href="http://gosison.com/">education</a>.</p> <p>Search Engine Optimisation and <a href="http://blogtechrev.com/">technology</a> aims to improve your site, it’s easy to use, Google offers its kind and good keywords and phrases on your site push-up, the rating of the search, so that you can give more, <a href="http://penomatic.com/">news</a>, and more attention.</p> <p>Web Analytics is a system used to determine the SEO, although the performance of your <a href="http://www.bonsang.com//">websites</a>. With this information, SEO experts can then various means to change the rating for the greatest good and <a href="http://revomatic.com/">gadgets</a>. 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If not, your competitors are taking business that you, yourself, could be getting.<br />Most big, best in class companies in many industries have now gone to an inside sales function whose job it is to qualify and continue to nurture leads forward, until they're ready for the involvement of outside or field sales.<br />If your business-to-business marketing-for-leads program is to succeed, marketing, sales and corporate management need to share a unified definition of qualified sales leads.<br />Whatever the source, you are now the proud owner of a stream of (hopefully) qualified sales leads, unfortunately our experience is that this is just the beginning and on its own it does not mean that this will automatically translate into sales<br />So, remember this the next time you have the opportunity to purchase B2B sales leads: B2B sales leads are worth more than you realize<br />Not only could you receive organic search visitors to your site but to receive more sales leads, you could 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The experienced investor gets this information by making sure to check out the property his or herself, and by bringing along the member(s) of the team of experts he will have hired. This team are your “extra sensory receptors”. They will see the things that you may miss and they will give you valuable feedback.<br /><br />The newbie investor has to know how valuable an asset this team is, so he won't attempt to invest without them.<br /><br />These are the things that the real estate investing gurus know. It is a process that they have mastered. Of course, they have practiced that process so many times that it has become 2nd nature for them. But it is something that almost anyone can learn.<br /><br />And that is the only difference between the experts and someone like you is that the gurus understand how do-able a thing buying investment property actually is.<br /><br />Robert Kiyosaki is a man who seized an investment opportunity when he saw it. The son of an educator, he could have grown up believing that his destiny was to spend his life as a “wage slave”. In his Rich Dad series, he writes that his father was an extremely book-smart man, but he referred to him as his “poor dad.” The opportunity Robert saw was that of listening to the rich father of his friend, who advised him a better financial future lay ahead for him if he simply got into real estate investing. He took this advice from his “rich dad” to heart and began studying how to do it.<br /><br />He is still learning it today. All the gurus are, because property investing is an ever-changing discipline. The markets are like liquid, and tend not to stay put. All it takes to become rich is to simply sit down and learn how it is done. All you need is the will to study.<br /><br /><br /><br /><br />USEFUL LINKS:<br /><br /><a href="http://mizunoz.blogspot.com/">Mizunoz</a> | <a href="http://mynikez.blogspot.com/">Nikez</a> | <a href="http://myadidasz.blogspot.com/">Adidaz</a> | <a href="http://myskechersz.blogspot.com/">Skecherz</a> | <a href="http://mypumaz.blogspot.com/">Pumaz</a> | <a href="http://calvinkleinz.blogspot.com/">Calvein Kleinz</a> | <a href="http://moschinoz.blogspot.com/">Moschinoz</a> | <a href="http://naturalizerz.blogspot.com/">Naturalizerz</a> | <a href="http://dknyz.blogspot.com/">D K N Y Z</a> | <a href="http://coclicoz.blogspot.com/">Coclicoz</a> | <a href="http://onexz.blogspot.com/">Onexz</a> | <a href="http://viaspigaz.blogspot.com/">Via Spigaz</a> | <a href="http://weeboxkidsz.blogspot.com/">Weebok Kidsz</a> | <a href="http://yellowboxz.blogspot.com/">Yellow boxz</a> | <a href="http://emericaz.blogspot.com/">Emericaz</a> | <a href="http://umikidsz.blogspot.com/">Umi Kidsz</a> | <a href="http://misssixtyz.blogspot.com/">Miss Sixtyz</a> | <a href="http://eccogolf.blogspot.com/">Ecco Golfz</a> | <a href="http://olukaiz.blogspot.com/">Olukaiz</a> | <a href="http://tommybahamaz.blogspot.com/">Tommy Bahamaz</a> | <a href="http://conversekidsz.blogspot.com/">Converse Kidsz</a> | <a href="http://kaylandz.blogspot.com/">Kaylandz</a> | <a href="http://jumpingjacksz.blogspot.com/">Jumping Jacksz</a> | <a href="http://tatamiz.blogspot.com/">Tatamiz</a> | <a href="http://danielgreenz.blogspot.com/">Daniel Greenz</a> | <a href="http://ninewestz.blogspot.com/">Nine Westz</a> | <a href="http://fratelliz.blogspot.com/">Fratelliz</a> | <a href="http://dickiesz.blogspot.com/">Dickiesz</a> | <a href="http://flyflotz.blogspot.com/">Fly Flotz</a> | <a href="http://gravatiz.blogspot.com/">Gravatiz</a>Giovshttp://www.blogger.com/profile/08618764204918987843noreply@blogger.com0tag:blogger.com,1999:blog-1958133999801037598.post-47002763850483585392008-02-26T07:48:00.000-08:002008-02-26T07:49:13.514-08:00Diversify Your Portfolio Easily With Mutual FundsIf you are new to investing, you may have heard of mutual funds but do not know exactly what they are or how to select the right one. A mutual fund is a collective investment security, and there are many different types. It may consist of a mix of several different types of investment vehicles, such as stocks, bonds, or derivatives, or it may consist of nothing but stocks that are part of a certain sector of the economy, or it could be just bonds.<br /><br />For example, there are mutual funds that consist of nothing but technology stocks. There are also funds that are comprised of stocks that have a similar market capitalization (such as mid-cap funds, large-cap funds, or small-cap funds). And some might contain several different types of securities (such as stocks, bonds, etc.) that all fall within the same risk classification (high-risk, medium-risk, low-risk).<br /><br />Just like stocks, mutual funds have a price per share, also known as the Net Asset Value (NAV). The NAV is calculated by dividing the total value of the fund divided by the number of shares outstanding. As with stocks, the price fluctuates on a daily basis and it can be sold just like any other security.<br /><br />When deciding what fund to invest in, you need to consider your investment goals. Are you looking for long-term capital appreciation, or would you prefer to receive immediate income from your investment? You also need to evaluate your risk tolerance. Are you willing to take a chance on a speculative fund to potentially receive a better return, or is capital preservation a high priority?<br /><br />If capital preservation is your goal, then you should consider a mutual fund that consists of low risk equities and conservative bond and money market instruments. If you want a mix of investments, then you should look for a balanced fund. If you want explosive capital appreciation, then you should consider a high-risk common stock or high-yielding bond fund.<br /><br />They are different than stocks when it comes to fees and expenses. As with stocks, funds are subject to capital gains taxes. But a fund is sometimes subject to a front-end and/or back-end load. If there is a front-end load, that means that a percentage of the initial investment is automatically deducted to pay for commissions to the fund. If there is a back-end load, the investor must pay a fee when the security is sold.<br /><br />Also, there is a 12b-1 fee that is often deducted to pay for advertising expenses incurred for the marketing of the fund to the public. Sometimes there is no 12b-1 fee, it depends. Investors might be unaware of the 12b-1 fee because it is sometimes deducted from the share price, so in a way, it is an invisible fee.<br /><br />I hope this introduction to mutual funds will help you make some decisions regarding your investments. There are literally thousands of different funds available, and brokerage houses often have their own set of funds that they create for sale to their customers. Talk to your broker and see if he or she can help you identify the best investment vehicle for you. Just make sure you review the fee structure of the mutual fund you are interested in before you invest.<br /><br /><br /><br />USEFUL LINKS:<br /><br /><a href="http://mizunoz.blogspot.com/">Mizunoz</a> | <a href="http://mynikez.blogspot.com/">Nikez</a> | <a href="http://myadidasz.blogspot.com/">Adidaz</a> | <a href="http://myskechersz.blogspot.com/">Skecherz</a> | <a href="http://mypumaz.blogspot.com/">Pumaz</a> | <a href="http://calvinkleinz.blogspot.com/">Calvein Kleinz</a> | <a href="http://moschinoz.blogspot.com/">Moschinoz</a> | <a href="http://naturalizerz.blogspot.com/">Naturalizerz</a> | <a href="http://dknyz.blogspot.com/">D K N Y Z</a> | <a href="http://coclicoz.blogspot.com/">Coclicoz</a> | <a href="http://onexz.blogspot.com/">Onexz</a> | <a href="http://viaspigaz.blogspot.com/">Via Spigaz</a> | <a href="http://weeboxkidsz.blogspot.com/">Weebok Kidsz</a> | <a href="http://yellowboxz.blogspot.com/">Yellow boxz</a> | <a href="http://emericaz.blogspot.com/">Emericaz</a> | <a href="http://umikidsz.blogspot.com/">Umi Kidsz</a> | <a href="http://misssixtyz.blogspot.com/">Miss Sixtyz</a> | <a href="http://eccogolf.blogspot.com/">Ecco Golfz</a> | <a href="http://olukaiz.blogspot.com/">Olukaiz</a> | <a href="http://tommybahamaz.blogspot.com/">Tommy Bahamaz</a> | <a href="http://conversekidsz.blogspot.com/">Converse Kidsz</a> | <a href="http://kaylandz.blogspot.com/">Kaylandz</a> | <a href="http://jumpingjacksz.blogspot.com/">Jumping Jacksz</a> | <a href="http://tatamiz.blogspot.com/">Tatamiz</a> | <a href="http://danielgreenz.blogspot.com/">Daniel Greenz</a> | <a href="http://ninewestz.blogspot.com/">Nine Westz</a> | <a href="http://fratelliz.blogspot.com/">Fratelliz</a> | <a href="http://dickiesz.blogspot.com/">Dickiesz</a> | <a href="http://flyflotz.blogspot.com/">Fly Flotz</a> | <a href="http://gravatiz.blogspot.com/">Gravatiz</a>Giovshttp://www.blogger.com/profile/08618764204918987843noreply@blogger.com0tag:blogger.com,1999:blog-1958133999801037598.post-91847481357145384982008-02-26T07:47:00.000-08:002008-02-26T07:48:25.528-08:00Diversify Your Portfolio Easily With Mutual FundsIf you are new to investing, you may have heard of mutual funds but do not know exactly what they are or how to select the right one. A mutual fund is a collective investment security, and there are many different types. It may consist of a mix of several different types of investment vehicles, such as stocks, bonds, or derivatives, or it may consist of nothing but stocks that are part of a certain sector of the economy, or it could be just bonds.<br /><br />For example, there are mutual funds that consist of nothing but technology stocks. There are also funds that are comprised of stocks that have a similar market capitalization (such as mid-cap funds, large-cap funds, or small-cap funds). And some might contain several different types of securities (such as stocks, bonds, etc.) that all fall within the same risk classification (high-risk, medium-risk, low-risk).<br /><br />Just like stocks, mutual funds have a price per share, also known as the Net Asset Value (NAV). The NAV is calculated by dividing the total value of the fund divided by the number of shares outstanding. As with stocks, the price fluctuates on a daily basis and it can be sold just like any other security.<br /><br />When deciding what fund to invest in, you need to consider your investment goals. Are you looking for long-term capital appreciation, or would you prefer to receive immediate income from your investment? You also need to evaluate your risk tolerance. Are you willing to take a chance on a speculative fund to potentially receive a better return, or is capital preservation a high priority?<br /><br />If capital preservation is your goal, then you should consider a mutual fund that consists of low risk equities and conservative bond and money market instruments. If you want a mix of investments, then you should look for a balanced fund. If you want explosive capital appreciation, then you should consider a high-risk common stock or high-yielding bond fund.<br /><br />They are different than stocks when it comes to fees and expenses. As with stocks, funds are subject to capital gains taxes. But a fund is sometimes subject to a front-end and/or back-end load. If there is a front-end load, that means that a percentage of the initial investment is automatically deducted to pay for commissions to the fund. If there is a back-end load, the investor must pay a fee when the security is sold.<br /><br />Also, there is a 12b-1 fee that is often deducted to pay for advertising expenses incurred for the marketing of the fund to the public. Sometimes there is no 12b-1 fee, it depends. Investors might be unaware of the 12b-1 fee because it is sometimes deducted from the share price, so in a way, it is an invisible fee.<br /><br />I hope this introduction to mutual funds will help you make some decisions regarding your investments. There are literally thousands of different funds available, and brokerage houses often have their own set of funds that they create for sale to their customers. Talk to your broker and see if he or she can help you identify the best investment vehicle for you. Just make sure you review the fee structure of the mutual fund you are interested in before you invest.<br /><br /><br /><br /><br />SEFUL LINKS:<br /><br /><a href="http://mizunoz.blogspot.com/">Mizunoz</a> | <a href="http://mynikez.blogspot.com/">Nikez</a> | <a href="http://myadidasz.blogspot.com/">Adidaz</a> | <a href="http://myskechersz.blogspot.com/">Skecherz</a> | <a href="http://mypumaz.blogspot.com/">Pumaz</a> | <a href="http://calvinkleinz.blogspot.com/">Calvein Kleinz</a> | <a href="http://moschinoz.blogspot.com/">Moschinoz</a> | <a href="http://naturalizerz.blogspot.com/">Naturalizerz</a> | <a href="http://dknyz.blogspot.com/">D K N Y Z</a> | <a href="http://coclicoz.blogspot.com/">Coclicoz</a> | <a href="http://onexz.blogspot.com/">Onexz</a> | <a href="http://viaspigaz.blogspot.com/">Via Spigaz</a> | <a href="http://weeboxkidsz.blogspot.com/">Weebok Kidsz</a> | <a href="http://yellowboxz.blogspot.com/">Yellow boxz</a> | <a href="http://emericaz.blogspot.com/">Emericaz</a> | <a href="http://umikidsz.blogspot.com/">Umi Kidsz</a> | <a href="http://misssixtyz.blogspot.com/">Miss Sixtyz</a> | <a href="http://eccogolf.blogspot.com/">Ecco Golfz</a> | <a href="http://olukaiz.blogspot.com/">Olukaiz</a> | <a href="http://tommybahamaz.blogspot.com/">Tommy Bahamaz</a> | <a href="http://conversekidsz.blogspot.com/">Converse Kidsz</a> | <a href="http://kaylandz.blogspot.com/">Kaylandz</a> | <a href="http://jumpingjacksz.blogspot.com/">Jumping Jacksz</a> | <a href="http://tatamiz.blogspot.com/">Tatamiz</a> | <a href="http://danielgreenz.blogspot.com/">Daniel Greenz</a> | <a href="http://ninewestz.blogspot.com/">Nine Westz</a> | <a href="http://fratelliz.blogspot.com/">Fratelliz</a> | <a href="http://dickiesz.blogspot.com/">Dickiesz</a> | <a href="http://flyflotz.blogspot.com/">Fly Flotz</a> | <a href="http://gravatiz.blogspot.com/">Gravatiz</a>Giovshttp://www.blogger.com/profile/08618764204918987843noreply@blogger.com0tag:blogger.com,1999:blog-1958133999801037598.post-83120815823878643712008-02-26T07:46:00.000-08:002008-02-26T07:47:21.431-08:00Are Your Bonds Really Risk Free?If you are new to investing perhaps you are not familiar with bonds. Before you get started, you need to understand some of the risks associated with bond investing. Most people assume that all interest-bearing securities are completely risk free, but this is not the case. Even if you know a lot about investing, you may not be aware of some of the risk characteristics associated with bonds.<br /><br />The most important thing to take into account is the interest rate. The Federal Reserve (also known as the Fed) meets every 6-8 weeks to evaluate the health of the economy. At each meeting, the Fed renders a decision regarding interest rates.<br /><br />If inflation is rising, the Fed will need to raise interest rates to tighten the money supply. If inflation is moderate or contained, the Fed will likely leave rates unchanged. However, if the economy is slowing down and there is very little inflation or maybe even deflation, then the Fed might decide to reduce interest rates to create a stimulus for economic growth.<br /><br />The reason why you need to consider present and future interest rate levels is because as interest rates increase, bond prices go down, and vice versa. If you are able to hold your bond until maturity, then interest rate movements do not really matter, because you will redeem the principal upon redemption. But often, investors have to cash out their bonds well before the maturity date. If interest rates have moved up since you purchased the bond, and you sell it prior to maturity, then the bond will be worth less than your initial investment.<br /><br />You should also be aware of the claim status of the bond you are buying. Claim status refers to your ability to liquidate your investment in the event the bond issuer goes bankrupt. If you are buying a government bond, such as a Treasury Bill, claim status is irrelevant, because the odds of the Federal Government going bankrupt are slim and none.<br /><br />If you are buying a corporate bond, however, there is always a chance that the issuer could go out of business. In the event of liquidation, bondholders are given priority over stockholders. However, there are often different classes of bondholders. Senior note holders can often claim against certain kinds of physical collateral in the event of bankruptcy, such as equipment (computers, machines, etc.). Regular bondholders can not always claim against physically collateral, and are next in line after the senior note holders.<br /><br />Next, you should always check the three main features of the bond you are buying; the coupon rate, the maturity date, and the call provisions. The coupon rate is the interest rate. Most bonds pay an interest rate semiannually or annually. The maturity date is the date that the bond will be redeemed by the issuer; simply put, the maturity date is when the company must pay back to you the principal you loaned to them. The call provisions are the rights of the issuer to buy back your bond prior to maturity. Some bonds are non-callable, while others are callable, meaning that the company can buy your bond back before maturity, usually at a higher price than what you paid.<br /><br />Finally, you should also understand that if economic conditions become more favorable after you a buy a bond, and interest rates start to go down again, the issuer will likely issue a lot more bonds to take advantage of the low interest rates, and will use the proceeds to try to buy back any callable bonds it issued previously. So, when interest rates go down, there is an increasing likelihood that your bond will be redeemed prior to maturity, if in fact the bond is callable.<br /><br />You should invest in bonds. However, you should also take into account the risk factors we have covered. Your portfolio should contain a mix of corporate, federal, municipal, and even junk bonds (there is always a default risk associated with junk bonds, but they pay a huge interest rate). Talk to your broker about diversifying the kinds of bonds in your portfolio and you will reduce your overall risk and maximize your return.<br /><br /><br />USEFUL LINKS:<br /><br /><a href="http://mizunoz.blogspot.com/">Mizunoz</a> | <a href="http://mynikez.blogspot.com/">Nikez</a> | <a href="http://myadidasz.blogspot.com/">Adidaz</a> | <a href="http://myskechersz.blogspot.com/">Skecherz</a> | <a href="http://mypumaz.blogspot.com/">Pumaz</a> | <a href="http://calvinkleinz.blogspot.com/">Calvein Kleinz</a> | <a href="http://moschinoz.blogspot.com/">Moschinoz</a> | <a href="http://naturalizerz.blogspot.com/">Naturalizerz</a> | <a href="http://dknyz.blogspot.com/">D K N Y Z</a> | <a href="http://coclicoz.blogspot.com/">Coclicoz</a> | <a href="http://onexz.blogspot.com/">Onexz</a> | <a href="http://viaspigaz.blogspot.com/">Via Spigaz</a> | <a href="http://weeboxkidsz.blogspot.com/">Weebok Kidsz</a> | <a href="http://yellowboxz.blogspot.com/">Yellow boxz</a> | <a href="http://emericaz.blogspot.com/">Emericaz</a> | <a href="http://umikidsz.blogspot.com/">Umi Kidsz</a> | <a href="http://misssixtyz.blogspot.com/">Miss Sixtyz</a> | <a href="http://eccogolf.blogspot.com/">Ecco Golfz</a> | <a href="http://olukaiz.blogspot.com/">Olukaiz</a> | <a href="http://tommybahamaz.blogspot.com/">Tommy Bahamaz</a> | <a href="http://conversekidsz.blogspot.com/">Converse Kidsz</a> | <a href="http://kaylandz.blogspot.com/">Kaylandz</a> | <a href="http://jumpingjacksz.blogspot.com/">Jumping Jacksz</a> | <a href="http://tatamiz.blogspot.com/">Tatamiz</a> | <a href="http://danielgreenz.blogspot.com/">Daniel Greenz</a> | <a href="http://ninewestz.blogspot.com/">Nine Westz</a> | <a href="http://fratelliz.blogspot.com/">Fratelliz</a> | <a href="http://dickiesz.blogspot.com/">Dickiesz</a> | <a href="http://flyflotz.blogspot.com/">Fly Flotz</a> | <a href="http://gravatiz.blogspot.com/">Gravatiz</a>Giovshttp://www.blogger.com/profile/08618764204918987843noreply@blogger.com0tag:blogger.com,1999:blog-1958133999801037598.post-79470350407723364802008-02-26T07:45:00.002-08:002008-02-26T07:46:37.942-08:00What is a Debt Consolidation Loan?A debt consolidation loan can come in very handy for many consumers but these loans should be examined carefully before signing up for any. Like all financial instruments, this type of loan will have its benefits and its drawbacks. Let's look at a few of the more important issues concerning debt consolidation loans.<br /><br />A debt consolidation loan is the replacement of multiple loans with a single loan. One of the benefits of a debt loan is that the borrower will often see a lower monthly payment and a longer repayment period. Here is a very simple example of how a consolidation loan might work out:<br /><br />Let us assume that you have three outstanding loans. The monthly payments are: $75 for one loan, $100 for the second loan, and $125 for the third loan. On a monthly basis you are paying a total of $300 to cover all of the bills.<br /><br />Using a consolidation loan the new lender would assume those bills for you and then invoice you one single bill per month. In this case, the one monthly payment might be $200, which saves you $100 per month. Keep in mind that as you pay less per month you may also have to pay longer. In other words, it may take quite a bit longer to pay off the full amount than it would if you were to continue paying the three payments separately.<br /><br />When it comes to debt consolidation loans, consumers have many options and even some special options. Under the special options there are programs for consolidating student loans. With the cost of higher education becoming more expensive the vast majority of students require some type of financial aid. Student loans play a big part of that financing. As costs rise, however, most students and their families find that they need more than one student loan in order to pay the bills. When these separate loans are added up on a monthly basis they can become very expensive. Thankfully, there are many debt consolidation loan programs available for paying off student loans.<br /><br />Consolidating credit card debt is another popular reason for using this type of loan. Many consumers are finding themselves in trouble with credit card bills that come into the home month after month. By using a consolidation loan, many credit card holders can reduce the amount of real cash that has to be sent out each month. For some individuals and families this is a very important benefit.<br /><br />Debt consolidation loans have some drawbacks as well. They can be seen by some lenders as a warning sign that a prospective borrower is in trouble. Another drawback is that some debt consolidation lenders will ask that you put up collateral before they grant the loan. Not all lenders will ask this of you, but some may. A lot of whether or not collateral will be needed will depend on the amount of the outstanding loans as well as your own credit history.<br /><br />Consumers can find a lot of solid information about the various debt consolidation loan programs available by doing some research on the Internet. Be sure to read the fine print before signing up for any program.<br /><br /><br /><br />USEFUL LINKS:<br /><br /><a href="http://mizunoz.blogspot.com/">Mizunoz</a> | <a href="http://mynikez.blogspot.com/">Nikez</a> | <a href="http://myadidasz.blogspot.com/">Adidaz</a> | <a href="http://myskechersz.blogspot.com/">Skecherz</a> | <a href="http://mypumaz.blogspot.com/">Pumaz</a> | <a href="http://calvinkleinz.blogspot.com/">Calvein Kleinz</a> | <a href="http://moschinoz.blogspot.com/">Moschinoz</a> | <a href="http://naturalizerz.blogspot.com/">Naturalizerz</a> | <a href="http://dknyz.blogspot.com/">D K N Y Z</a> | <a href="http://coclicoz.blogspot.com/">Coclicoz</a> | <a href="http://onexz.blogspot.com/">Onexz</a> | <a href="http://viaspigaz.blogspot.com/">Via Spigaz</a> | <a href="http://weeboxkidsz.blogspot.com/">Weebok Kidsz</a> | <a href="http://yellowboxz.blogspot.com/">Yellow boxz</a> | <a href="http://emericaz.blogspot.com/">Emericaz</a> | <a href="http://umikidsz.blogspot.com/">Umi Kidsz</a> | <a href="http://misssixtyz.blogspot.com/">Miss Sixtyz</a> | <a href="http://eccogolf.blogspot.com/">Ecco Golfz</a> | <a href="http://olukaiz.blogspot.com/">Olukaiz</a> | <a href="http://tommybahamaz.blogspot.com/">Tommy Bahamaz</a> | <a href="http://conversekidsz.blogspot.com/">Converse Kidsz</a> | <a href="http://kaylandz.blogspot.com/">Kaylandz</a> | <a href="http://jumpingjacksz.blogspot.com/">Jumping Jacksz</a> | <a href="http://tatamiz.blogspot.com/">Tatamiz</a> | <a href="http://danielgreenz.blogspot.com/">Daniel Greenz</a> | <a href="http://ninewestz.blogspot.com/">Nine Westz</a> | <a href="http://fratelliz.blogspot.com/">Fratelliz</a> | <a href="http://dickiesz.blogspot.com/">Dickiesz</a> | <a href="http://flyflotz.blogspot.com/">Fly Flotz</a> | <a href="http://gravatiz.blogspot.com/">Gravatiz</a>Giovshttp://www.blogger.com/profile/08618764204918987843noreply@blogger.com0tag:blogger.com,1999:blog-1958133999801037598.post-18678207362292798512008-02-26T07:45:00.001-08:002008-02-26T07:45:51.459-08:00Basic Principles of a LoanUnderstanding the basic principles behind a loan can save new borrowers a lot of stress and make the borrowing process easier. This article will explore some of those loan basics.<br /><br />A consumer loan is simply when a financial institution lends you money with the promise (from you) that you will repay the money. Most loan payments include both principal and interest.<br /><br />Principle is the amount of money that you borrowed. Interest is the price paid for borrowing money; this is usually expressed as a percentage.<br /><br />In an interest-only loan, the interest of the loan is paid off before the principal. It is important to understand this because many mortgages are interest-only loans. Using this kind of loan allows the lender to make a faster profit on the loan, and in return it also allows the lender to offer you lower interest rates.<br /><br />Borrowers should understand that during the first years of an interest-only mortgage the entire monthly payment goes toward interest. Because of this there will be no decrease in the amount of the principle that was borrowed. In some cases, the initial interest-only payments are lower than the principal payments. This allows the borrower, who expects to earn more profit over time, to obtain a larger loan.<br /><br />Variable Rates versus Fixed-Interest Rates<br /><br />Aside from interest only loans, you may see offers for loans that are based on either variable rates or fixed rates. Credit cards generally use either the variable or fixed rates systems when calculating the interest.<br /><br />Variable rate loans are based on the prime lending rate, and then some additional interest percentage is added in order to cover profits for the lender. Whenever the Federal Reserve raises interest rates, your bank will raise your interest as well. If the prime lending rate is low, variable rate loans and credit cards can be especially competitive with fixed rate loans.<br /><br />Fixed rate loans and credit cards offer you guaranteed interest rates that do not fluctuate. You will know what your payments are each and every month based on the fixed rate percentage of the loan that you took out. This offers consumers more emotional security because they do not have to worry about their monthly bill increasing suddenly.<br /><br />All borrowers should understand that variable rates are different than teaser rates. Teaser rates are temporary and last only for a limited time, usually three to six months. Once that period of time is over, the rate will go up and so will your monthly bill.<br /><br />One of the most important principles behind a loan is establishing a good credit history. The fastest way to get a poor credit rating is to not pay your monthly bill or to be habitually late in paying your bill. These activities are usually reported to the three big credit reporting agencies and this information will stay on your credit history record for years to come. If you must take a loan out make sure that you can make the monthly payments on time.<br /><br />If you have any questions about your loan or the interest that is being charged ask the credit person to explain it to you in detail. They are happy to do this. As a general rule, try to keep your non-mortgage debt payments below 10-15% of your monthly take home pay.<br /><br /><br />USEFUL LINKS:<br /><br /><a href="http://mizunoz.blogspot.com/">Mizunoz</a> | <a href="http://mynikez.blogspot.com/">Nikez</a> | <a href="http://myadidasz.blogspot.com/">Adidaz</a> | <a href="http://myskechersz.blogspot.com/">Skecherz</a> | <a href="http://mypumaz.blogspot.com/">Pumaz</a> | <a href="http://calvinkleinz.blogspot.com/">Calvein Kleinz</a> | <a href="http://moschinoz.blogspot.com/">Moschinoz</a> | <a href="http://naturalizerz.blogspot.com/">Naturalizerz</a> | <a href="http://dknyz.blogspot.com/">D K N Y Z</a> | <a href="http://coclicoz.blogspot.com/">Coclicoz</a> | <a href="http://onexz.blogspot.com/">Onexz</a> | <a href="http://viaspigaz.blogspot.com/">Via Spigaz</a> | <a href="http://weeboxkidsz.blogspot.com/">Weebok Kidsz</a> | <a href="http://yellowboxz.blogspot.com/">Yellow boxz</a> | <a href="http://emericaz.blogspot.com/">Emericaz</a> | <a href="http://umikidsz.blogspot.com/">Umi Kidsz</a> | <a href="http://misssixtyz.blogspot.com/">Miss Sixtyz</a> | <a href="http://eccogolf.blogspot.com/">Ecco Golfz</a> | <a href="http://olukaiz.blogspot.com/">Olukaiz</a> | <a href="http://tommybahamaz.blogspot.com/">Tommy Bahamaz</a> | <a href="http://conversekidsz.blogspot.com/">Converse Kidsz</a> | <a href="http://kaylandz.blogspot.com/">Kaylandz</a> | <a href="http://jumpingjacksz.blogspot.com/">Jumping Jacksz</a> | <a href="http://tatamiz.blogspot.com/">Tatamiz</a> | <a href="http://danielgreenz.blogspot.com/">Daniel Greenz</a> | <a href="http://ninewestz.blogspot.com/">Nine Westz</a> | <a href="http://fratelliz.blogspot.com/">Fratelliz</a> | <a href="http://dickiesz.blogspot.com/">Dickiesz</a> | <a href="http://flyflotz.blogspot.com/">Fly Flotz</a> | <a href="http://gravatiz.blogspot.com/">Gravatiz</a>Giovshttp://www.blogger.com/profile/08618764204918987843noreply@blogger.com0tag:blogger.com,1999:blog-1958133999801037598.post-5168170053865573072008-02-26T07:44:00.000-08:002008-02-26T07:45:01.511-08:00What If I Miss a Home Loan Payment?It is no secret that home loans will often last 30 years or more and that during that time anyone can face financial issues that may lead to missing a home loan payment. The first thing to do if you miss a home loan payment is to not panic. The second thing to do is to contact the lender as soon as possible.<br /><br />Most lenders are not going to foreclose on your home if you miss one payment. They do, however, want to hear from you and they want to work out some payment options so that the delinquent payment will be met.<br /><br />It is imperative that home owners understand that time is critical when payments are not sent in. The more payments you miss and the longer you wait before you contact the lender the fewer options you will have available. In some cases, if you ignore the lender for too long, foreclosure will be the only course of action that the lender can take. Do not let that happen to you.<br /><br />You should also understand that missing one payment (in the home loan business, anyway) is not the same as missing two or more. Do the math. If you are behind in two payments, you are probably at least 60 days behind. Once a home loan becomes delinquent by at least 60 days the credit reporting people become involved, the lender becomes nervous, and you begin getting tons of mail and calls concerning the loan. Your name and address may be posted to publications that sell this type of information to third parties. It only goes down hill from here.<br /><br />When you have to miss one payment on a home loan it should become your major goal to get that payment caught up as soon as possible. If you simply do not have cash coming in to pay the late payment (as well as the current payment) go to the lender and see if they can work something out with you. You might be surprised at how eager they can be to help. They may suggest that the payment be tacked on to the end of the loan or they may ask if you can pay the late payment in installation payments such as one-third of the late payment added to each of the next three monthly payments.<br /><br />If your financial problem is more long term, you may want to talk to the lender about refinancing. Sometimes you can refinance to a mortgage that has lower monthly payments. This is not always possible, but if it is possible it may make it easier to make future payments on your home.<br /><br />Of the many options that you have, all of them are going to lessen in value and usefulness the longer you wait before contacting your lender. Remember, once your payment becomes delinquent by 60 days, your options are severely reduced. When the delinquency hits 90 days you may have very few (if any) options left. Most of these problems can be avoided if you simply contact the lender as soon as possible and be willing to work with the lender to make up the missed payment or payments.<br /><br /><br /><br /><br />USEFUL LINKS:<br /><br /><a href="http://mizunoz.blogspot.com/">Mizunoz</a> | <a href="http://mynikez.blogspot.com/">Nikez</a> | <a href="http://myadidasz.blogspot.com/">Adidaz</a> | <a href="http://myskechersz.blogspot.com/">Skecherz</a> | <a href="http://mypumaz.blogspot.com/">Pumaz</a> | <a href="http://calvinkleinz.blogspot.com/">Calvein Kleinz</a> | <a href="http://moschinoz.blogspot.com/">Moschinoz</a> | <a href="http://naturalizerz.blogspot.com/">Naturalizerz</a> | <a href="http://dknyz.blogspot.com/">D K N Y Z</a> | <a href="http://coclicoz.blogspot.com/">Coclicoz</a> | <a href="http://onexz.blogspot.com/">Onexz</a> | <a href="http://viaspigaz.blogspot.com/">Via Spigaz</a> | <a href="http://weeboxkidsz.blogspot.com/">Weebok Kidsz</a> | <a href="http://yellowboxz.blogspot.com/">Yellow boxz</a> | <a href="http://emericaz.blogspot.com/">Emericaz</a> | <a href="http://umikidsz.blogspot.com/">Umi Kidsz</a> | <a href="http://misssixtyz.blogspot.com/">Miss Sixtyz</a> | <a href="http://eccogolf.blogspot.com/">Ecco Golfz</a> | <a href="http://olukaiz.blogspot.com/">Olukaiz</a> | <a href="http://tommybahamaz.blogspot.com/">Tommy Bahamaz</a> | <a href="http://conversekidsz.blogspot.com/">Converse Kidsz</a> | <a href="http://kaylandz.blogspot.com/">Kaylandz</a> | <a href="http://jumpingjacksz.blogspot.com/">Jumping Jacksz</a> | <a href="http://tatamiz.blogspot.com/">Tatamiz</a> | <a href="http://danielgreenz.blogspot.com/">Daniel Greenz</a> | <a href="http://ninewestz.blogspot.com/">Nine Westz</a> | <a href="http://fratelliz.blogspot.com/">Fratelliz</a> | <a href="http://dickiesz.blogspot.com/">Dickiesz</a> | <a href="http://flyflotz.blogspot.com/">Fly Flotz</a> | <a href="http://gravatiz.blogspot.com/">Gravatiz</a>Giovshttp://www.blogger.com/profile/08618764204918987843noreply@blogger.com0tag:blogger.com,1999:blog-1958133999801037598.post-30949901343247350482008-02-26T07:43:00.000-08:002008-02-26T07:44:07.064-08:00How To Use A Secured Credit CardA secured card is a credit card that requires you to deposit a certain amount of money into a savings account, money market account, or certificate of deposit. The minimum amount usually ranges between $200 and $500 but this will vary from one company to another. Your deposit is considered your security and some card issuers will even allow the deposit to earn interest.<br /><br />The amount that you deposit into the account is your credit limit. You should understand that sometimes the limit will be for the full amount that you put into the account but with some companies your limit may be a percentage of the total amount that you deposited.<br /><br />A secured credit card is not a debit card. This is important to understand because if full payments are not made each month, interest will be charged on the outstanding balance.<br /><br />Who should consider using secured credit cards?<br /><br />If you have no credit history at all, using a secured credit card can be a good way to begin establishing your credit. Many young people who are just starting out may choose this as an option.<br /><br />If you have bad credit, you may wish to use a secured credit card to help you improve your credit score. In addition, a secured credit card may be the only source you will have for obtaining a credit card. There are some transactions that require the use of a credit card. This might include car rentals or hotel reservations. If you need to make those types of transactions and cannot get an unsecured credit card, this might be the only way you can get a true credit card.<br /><br />What to look for in a secured credit card:<br /><br />Interest Rate: Do not be fooled into thinking that because you have no credit history or a bad credit report that you have to settle for exorbitant interest rates. Make it a point to shop around for the lowest rates that you qualify for before you apply for a secured credit card.<br /><br />Fees: Pay close attention to any fees that will be charged to you or to your account once it is opened. There are some companies that will charge ridiculously high fees that will reduce your initial deposit before you even use the card. Stay away from those companies. Look for companies that have no fees whatsoever or for those companies that charge a small one-time fee to set up the account. Annual fees for attractive secured cards typically range from $20-$35.<br /><br />Scams: It is sad to say that there are companies out there who are in the business of ripping people off. They prey on the vulnerability of those who may be in a credit crunch. Some of the things they do include promises of getting you "quick credit" for a price. Another popular scam is to ask you to call a 900 phone number for "secrets" to getting a credit card or credit repair. Your phone company will charge you a high rate for using a 900 number and you never get the information that was offered.<br /><br />The best advice to avoid secured credit card scams is that if it sounds too good to be true it is. Use your common sense and do not be taken by these crooks.<br /><br />Credit Improvement Issues: Even with a very good payment history on your secured card it can takes many months before you begin to see improvement in your credit record. You have to be patient when repairing bad credit. You also have to be smart. Make sure that the company that issues the secured credit card to you will report your good payment history to the three big credit reporting agencies. Not all companies report and if they do not report you are simply wasting your time.<br /><br /><br /><br /><br />USEFUL LINKS:<br /><br /><a href="http://mizunoz.blogspot.com/">Mizunoz</a> | <a href="http://mynikez.blogspot.com/">Nikez</a> | <a href="http://myadidasz.blogspot.com/">Adidaz</a> | <a href="http://myskechersz.blogspot.com/">Skecherz</a> | <a href="http://mypumaz.blogspot.com/">Pumaz</a> | <a href="http://calvinkleinz.blogspot.com/">Calvein Kleinz</a> | <a href="http://moschinoz.blogspot.com/">Moschinoz</a> | <a href="http://naturalizerz.blogspot.com/">Naturalizerz</a> | <a href="http://dknyz.blogspot.com/">D K N Y Z</a> | <a href="http://coclicoz.blogspot.com/">Coclicoz</a> | <a href="http://onexz.blogspot.com/">Onexz</a> | <a href="http://viaspigaz.blogspot.com/">Via Spigaz</a> | <a href="http://weeboxkidsz.blogspot.com/">Weebok Kidsz</a> | <a href="http://yellowboxz.blogspot.com/">Yellow boxz</a> | <a href="http://emericaz.blogspot.com/">Emericaz</a> | <a href="http://umikidsz.blogspot.com/">Umi Kidsz</a> | <a href="http://misssixtyz.blogspot.com/">Miss Sixtyz</a> | <a href="http://eccogolf.blogspot.com/">Ecco Golfz</a> | <a href="http://olukaiz.blogspot.com/">Olukaiz</a> | <a href="http://tommybahamaz.blogspot.com/">Tommy Bahamaz</a> | <a href="http://conversekidsz.blogspot.com/">Converse Kidsz</a> | <a href="http://kaylandz.blogspot.com/">Kaylandz</a> | <a href="http://jumpingjacksz.blogspot.com/">Jumping Jacksz</a> | <a href="http://tatamiz.blogspot.com/">Tatamiz</a> | <a href="http://danielgreenz.blogspot.com/">Daniel Greenz</a> | <a href="http://ninewestz.blogspot.com/">Nine Westz</a> | <a href="http://fratelliz.blogspot.com/">Fratelliz</a> | <a href="http://dickiesz.blogspot.com/">Dickiesz</a> | <a href="http://flyflotz.blogspot.com/">Fly Flotz</a> | <a href="http://gravatiz.blogspot.com/">Gravatiz</a>Giovshttp://www.blogger.com/profile/08618764204918987843noreply@blogger.com0