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April 22 2016


Air New Zealand Plays Cuddle Cupid with Five Days of Giveaways

LOS ANGELES--(BUSINESS WIRE)--Move over, Cupid. This livejasmin credits generator Valentines Day, Air New Zealand is giving lovebirds the gift of cuddle. From February 9 through 13, Air New Zealand will offer daily Twitter giveaways better than any box of chocolates or dozen roses: roundtrip airfare to Auckland or London on the Skycouch, the seat that turns economy class into cuddle class.

Air New Zealand will ask sweethearts to tweet their answers to a daily question about romantic travel via a contest page on the Trazzler website. Each day, Trazzler editors will select the entrant with the most creative tweet to receive roundtrip airfare for two on a Skycouch to London or Auckland, New Zealand.

Air New Zealand takes romance to new heights, said Roger Poulton, AirNewZealand's vice president - the Americas. From setting up singles on the Matchmaking Flight to celebrating 12 Days of Valentines last year, we are committed to making air travel a bit lovelier. Of all the places in the world, theres no better place for romance than our Skycouch.

Air New Zealand is the first airline to turn economy class into cuddle class with the innovative Economy Skycouch, available on the airlines new 777-300ER aircraft. The Skycouch is a trio of economy seats that together create a flexible space a place to relax and stretch out or for the kids to play. From eating dinner to snuggling, the Skycouch has the flexibility to adapt to whatever your heart desires inflight. The new aircraft is available for booking on flights from Los Angeles to Auckland and London.

To enter the contest and view terms and conditions, please visit Trazzlers Air New Zealand giveaway page. For more information about Air New Zealand, visit www.airnewzealand.com.

About Air New Zealand:

Air New Zealand offers more direct flights to the South Pacific than any other airline, including non-stop flights from San Francisco, Los Angeles, Honolulu and Vancouver to New Zealand. In addition to flying non-stop Los Angeles-London, Air New Zealands route between London and Hong Kong now allows customers to fly round-the-world on one airline. Air New Zealands most recent accolades include Airline of the Year award by Air Transport World magazine, Best Business Class to Australia, New Zealand and South Pacific for the third straight year by Business Traveler Magazine (USA) and Best Transpacific Airline at the 26th Airline Industry Awards. Flight and vacation essentials can be booked on AirNewZealand.com or by calling 1-800-262-1234 in the USA and 1-800-663-5494 in Canada. Air New Zealand is a member of the Star Alliance network.


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April 21 2016


Apple starts selling unlocked iPhone 6

The contractless iPhone 6 starts http://searchmobilecomputing.techtarget.com/definition/iPhone at $650 and is compatible with Verizon (VZ, Tech30), AT&T (T, Tech30), T-Mobile (TMUS) or Sprint's (S) networks. The unlocked iPhone can also can be used easy was to jailbreak your iphone abroad, letting people globe trot without being tied to a single carrier. It comes without a SIM card, which customers have to get from their cell phone company of choice.

"If you don't want a multiyear service contract, or if you prefer to use a local carrier when traveling abroad, the unlocked iPhone is the best choice," Apple (AAPL, Tech30) said in a message on its online store.

The $200 iPhone is still around, but carriers are phasing it out. Since the 16 GB iPhone 6 costs $650, carriers subsidize $450 of the phone's cost up front, and make customers pay off the value over the course of their two-year contracts.

Carriers don't like paying the hefty subsidies. That's why cell phone companies -- in particular T-Mobile -- are trying to lure customers to buy their phones at full cost upfront, offering lower monthly payments in return. T-Mobile's contract-free iPhone has been available for $650 on Apple's online store since the iPhone 6 went on sale in September.

Related: T-Mobile is the tech company of the year

Contract-free phones, which are the standard for the rest of the world, are rapidly growing in the United States.

Still, competition is fierce in the wireless market, and some cell phone companies are offering iPhones for no money down in exchange for higher-than-average monthly bills.

Apple also offered unlocked versions of the iPhone 5S and iPhone 5 over the past two years. Both of those ipod touch jailbreak tutorials unlocked phones were offered online two months after their "locked" counterparts initially went on sale. This year, Apple waited four months to offer the SIM-free iPhone 6 and iPhone 6 Plus.

CNNMoney (New York) First published January 6, 2015: 8:58 AM ET


Add More Beauty To Your Pool Area With Travertine Pool Coping

By: Travertine Warehouse

The material you choose for the area around your pool will be crucial to the overall look and feel of the waterline and your landscape. Travertine pool copings are among the most preferred materials for their durability and elegance, making them superior than man-made pool copings such as concrete. They are hard-wearing, too, as proven by beautiful and iconic ancient structures that are still standing today. Reputable pool builders recommend travertine for its porous nature, which is helpful in keeping your pool area cool to the touch and safe to walk on, even when wet.

Travertine is a natural stone, so it effortlessly adds a sophisticated and luxurious touch to your pool area. The naturally porous nature allows it to absorb water quick, so your pool area becomes safer when slipping and falling are minimized. The luxurious and opulent look and feel of premium grade travertine pool copings let you create a sophisticated and high-end pool area where you can relax and unwind, or entertain guests.

Reputable natural stone suppliers in the US directly import travertine pool copings from quarries in Turkey and in inventories in Asia and Europe to make the materials cost-effective, no matter how big or small your pool is. Travertine pool copings come in different types, colors, and finishes, so you should be able to find something that suits your swimming pool. The best travertine pool copings have a tumbled or a brushed and chiseled finish. They can be purchased as standard pool copings or as remodel copings. If you are not sure which color or design is good for your pool, you can request free samples from a reputable supplier online.

Standard bull-nosed travertine pool copings are suitable for swimming pools that have a lot of curves and rounded edges. Seasoned suppliers often provide them in a tumbled finish and in a size that is 4 x 9 x 1.5, which is just right to prevent waste when they need to be cut or adjusted. They can be supplied in larger sizes for rectangular shaped swimming pools, too. These copings are versatile and can be used for the steps of the pool for a more uniform finish.

Remodel pool copings are pre-formed and designed specifically for pool enhancement and to minimize the need to demolish an existing pool. They can be overlaid on existing copings for a simple and quick fix. The four-inch turn can cover all kinds of damage and blemishes, as well as uneven copings.

About the Author:

Travertine Warehouse came into inception in 2003 with the goal of catering the US market with premium quality travertine tiles and stone products at factory direct prices. They are pioneer in providing marble tiles, pavers, copings & other Marble tile products. Travertine Warehouse is presently one of the largest Natural Stone Importers and Distributors in the U.S., with an on hand inventory of over 4 million sqft of Premium Quality Travertine and Marble available.

About the Author:

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'If You Were to Give Me a Million Dollars, Would It Do Any Good?'

I have a question for everyone to ponder. It's not one that hasn't been purposed before. But the answer thus far seems to be a little ambiguous.

The scenario here is: If you were to give me a million dollars, would it do any good?

There seems to be a divided camp on this answer.

Some of you would say that no, in fact, it wouldn't do me any good.

Why? Because of several reasons, it seems:

1) The taxes on a million dollars would be quite expensive.

2) The money would only be squandered or otherwise wasted, frivolously spent by someone who couldn't handle the responsibility of hard work and investing in the future.

3) It wouldn't be enough. The begging for handouts and freebees that other hardworking individuals have earned for themselves and were also gracious enough to share wouldn't stop there. More would be demanded to satisfy you, feeding your dependency on others.

4) We'd only be creating a monster, another of the leaches of society, those individuals with the audacity to feel so privileged in this life that everything must be free to them, creating the beggars we loath.

The other side of this is that yes, it would do a lot of good. Why?

1) Because I'd be able to pay off any debts, create financial security for my family and my loved ones, put my children and my grandchildren through college, set up savings and other investments so that we, and the future generations of us, don't have the worries that come with financial insecurities.

2) Because I'd be able to invest the money into my dreams and passions in life. Maybe it's to begin my own business. That bakery, restaurant, or welding shop of your dreams then becomes an obtainable reality, one that you could now actually materialize with the capital at hand.

3) Because life and the things within it aren't cheap. Maybe it's to buy a new home to support the size of your family and it's needs. Maybe it's to invest in much-needed home repairs that were too expensive before, like a new roof to fix a leaky one. Maybe the need is to repair or replace a vehicle that's broken down, or to buy one for the first time. Maybe it's medical bills or expensive medical equipment or treatments not covered by other means.

4) Because I could do a lot of good with it: help others, be charitable and serve mankind by helping others in need, others who have also struggled along the same life paths, by creating financial means and access for those less fortunate, and maybe by funding or by the ability to purchase a needed element, like wheelchairs for the disabled who are too poor, or food for those who cannot afford a meal. It would allow me to be able to show compassion to so many others because of the compassion that was bestowed onto me.

Pay-it-forward, if you will.

So which is the right answer here? If you were to give me a million dollars, would it do any good? Yes or no?

As it turns out, both answers here are correct.

It depends on the person.

If you are the compassionate, charitable, pay-it-forward type, then yes, a million bucks would do a lot of good, and not just for the recipient, but for those other individuals they influence as well.

They are the ones to open their ground-floor businesses or charitable organizations and are willing, out of love, compassion given what they have had to endure, and passion for what they want do to, to put in every ounce of blood, sweat, and tears into their work simply because they love what they do and want to see a change in the world.

Unfortunately there are those people whom the million dollars wouldn't help.

They are the type that will try to take where they can. The darker side of humanity shows us there are people out there willing to rob, cheat, and steal for their every need instead of putting forth an honest effort to obtain it themselves. But that's unavoidable for any applicable situation.

These are also the individuals who squander what they have managed to gather, or hoard what they have gained (some to overtly excessive proportions) with no care for how it would affect others who could benefit from the same resources. They have no compassion, no empathy towards any, even at the expense of another human's well-being and survival.

Right now, our society values the hard worker, condemning the takers. But that seems to only ring true as sentiment.

We as a society seem to have missed the mark entirely.

We now see a piece of paper as the end all and be all of life. This object has become more important than humanity.

We idolize it and those who have hoarded it.

Money, meant to be obtainable by all, became a way to influence, trade, justify, condone, and conduct the destructive behaviors and practices that are produced by the greed, to have as much of it as one can get their hands on.

We celebrate record profits for a noted person, business, or corporate entity. The status of someone's bank statements and Forbes rankings are the milestones of success and are used to rule over humanity instead of for the betterment humanity.

Personally, I would think the mark of success should be redefined, and so should the original question.

"If I gave you a million dollars, would it do any good?"

But here's the problem with it.

Apparently it isn't actually a question anyway but a rhetorical thought used to justify our personal greed while releasing ourselves from any guilt for not helping out another human being in need.

It's not a question at all but a way to lord our successes over the less fortunate. It's showing off the tools you have, knowing what it can be used for, while explaining why you have to keep them locked away from others, denying its use and the very purpose it was created for.

Also, assuming the one in need is lazy is just lazy in itself.

It's a rationale we employ to separate ourselves from the less fortunate. We want to protect ourselves from the hardships life has, trying to keep them from happening to us ourselves.

This has become a lifestyle society has adapted to, one that is backwards and highly detrimental to humanity as a whole. It needs to stop now.

But the plights of your fellow man are not your problem, right? The problem is too big to do anything about, right? Wrong.

April 20 2016


How To Get Free Stuff and Products From Companies


Did you know that you can get companies to send you free products and samples... just by asking? That's right, no surveys or gimmicks, just writing them an email or letter could get you some free stuff or coupons. Most people think that you have to participate in dodgy surveys or enrol for free stuff on even dodgier websites but with this, you just ask the company yourself. Or you may think that it is a little degrading to ask them for free stuff, but trust me, they have so many products to give away that they will be glad you did ask! Some companies may not reply at all and some might, it depends a little on luck, but you are bound to get something. Some things you could get are:

Samples Perfume SamplesMakeup SamplesCoupons (for free products or 50% off)Full size products Discounts and vouchers

In this hub you will learn the in's and out's of getting free stuff, what companies you should write to, how to do it yourself, my story and Tom Lockes' story (he wrote to 100 companies which cost him $39, shows his results, what he got and more on his website. Enjoy!

How Did I Do It?

I recently encountered the $39 dollar experiment which was conducted by Tom Locke. In this experiment, he wrote to 100 companies asking them for free products. It appears that you can be sent free products from a company by saying how much you enjoy using their products and you would like to express how much of a fan you are of their amazing creations. He received many items and products from a variety of companies, I was impressed. I wanted to try this out for myself.

So, I tried it out with a few companies, I wrote them a letter, I'll explain how exactly below and waited. One day, a huge package arrived in the post and I received so many products from one company. Some companies never wrote back to me or sent anything, I expected that. But, I realized that it isn't all that difficult to get some free products.

I will now explain how you can do it too.

1. Make A List Of Companies

The very first thing you have to do is to make a list of the companies you want to write to, you can write to one or two or you can write to four or five, the choice is yours. Look at items in your cupboard, bathroom and office, get the names of these companies. Here are a selection of companies that you can write to, but remember, these companies are not guaranteed to send you samples, you will have to see for yourself. If I have written to a company and received free products, I'll let you know.

Make Up, Perfume - Are you interested in makeup or perfume? Try writing to makeup companies for some samples such as: Clinique, Rimmel, Carma Labs (others have received products from Carma Labs, I don't live in America so I couldn't contact them), Chap Stick, Burts Bees, Lush etc.Food - Kraft, Celestial Seasonings, Twinnings, Pepsi, Coca-Cola, McDonalds, Wrigleys. You'll mainly get coupons but you could get a few samples too.Office Supplies - 3M, Staedtler, Stabilo, Daler and Rowney, Pentel, Sharpie, Crayola.Other: Colgate-Palmolive, Nestle, Apple (sent me stickers)

April 19 2016


How To Make Money Online Scams

By: Yevgeniy Dorofyeyev

Its well known nowadays truth that many people who jump into online world, who want to start making money online, fail. And thats not without a reason, as how to make money online scams do really exist and not only. In fact there are only numbers of making money online programs that can really make you successful in short time. But about these best programs in another article as today I am going to show you what type of get reach quick schemes you should avoid.

How to make money online scams revealed - fake lottery scam.

This one is just getting bigger and bigger from day to day. Imagine one day you have received an email saying: "You have won $1,000,000 in Canadian lottery". But in fact you didnt even play any lottery at all. So where is it from? How did I win? To be honest if you will decide one day to play lottery play only those that are popular and offline, and never ever click on those ads which would say to you: "You are 1,000,000 visitor, you have won cash prize". Its just doesnt make sense who would pay you such a big money just for visiting this or that website.

How to make money online scams revealed - Paid Surveys Scams.

Another fake making money online program you can find online is paid surveys. Before you join any paid surveys programs make sure you ask others whether they have tried and does it worth trying this or that program. As those who are behind scam paid surveys programs they just need you personal details like address, social security number, password, etc. And with this information they would be able one day to access your bank account and get all your money out of there. If you dont know where to ask join popular online marketing forums, for example such as warriorforum.com, guys out there will be more than glad to answer all your questions.

How to make money online scams revealed - Postal Forwarding/Reshipping Scam.

Products are purchased online using stolen credit cards--often with identities that have been purloined by phishes and shipped to your address. You then reship them to the thieves, who will fence them overseas. Or you're transferring stolen funds from one account to another to obscure the money trail. Sure, you can make big bucks for a while. But after a few months, you're going to look inside your bank account and find it cleaned out. Worse, when the feds come looking for the scammers, you're the one they're going to nail.

At the end of the day if you are serious about making money online its always a good thing to trust those who are already successful online. You can pick up one of the Ewen Chias programs as this guy is online marketing millionaire and he will show you step by step what to do in order to achieve great success in life by using online world.

About the Author:

Would You Like To Discover the Shocking Truth About How to Make Money Online Scams and Also Discover for Yourself Same Program Yevgeniy is Using Himself to Generate $3,653 Every Two Weeks Time? Then Visit His Website NOW Till Its Still Available. http://howtomakemoneyonlinescams.that-is-simple.com/

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Freeture Benefits by Tony Phillips

First and foremost

What a freeture is not can be summed up in a few words. A freeture is not something that its recipient has to pay for! It is a very special addition to any product or service which is being offered for sale by online, or for that matter, offline sellers/promoters/providers of goods/products/services to the buying public; National or international.

Originally a freeture was defined as an added-value, enhancement or free feature item which, when added to product/service promotional packages increases the likelihood of a sale. That definition remains intact and has been more clearly defined through additional and updated information. This article is the most recent effort to establish the differences that may exist between freetures and some other popular designations.


We all know what freebies are. Despite how you spell them, freebies or freebees, they seem to conjure up the image of things that are not going to cost us any money, labor or other expense although we will most likely spend some of our valuable time waiting on a line at the donors place of business or residence if offline and maybe an embedded link to the donor's site if online, (strings attached comes to mind).

One question that is often associated with freebies though, concerns value. Is it worth anything? Why is it free? What's the catch? In many cases those are legitimate questions because experience has taught us that some freebies could be more of a loss to the recipient than if he/she had not accepted the item. Many of us have had our share of freebies that were worthless. It was the process by which recipients relieved the donors of some of their biggest problems, (shiny car with bad transmission comes to mind). Based on the mere definition of a freeture, it has to have value or it doesn't qualify as a freeture.


To explore this term a little closer, thereby crystallizing the truer nature of a freeture, Mr. Roget's volume of work was consulted and the results were compared to our freeture definition. So, since an enhancement is defined as the "act of improving" something, and the synonyms to it are "add-on", "extra", "option" and "value-added", the next word in that sequence could well be "freeture" because all those adjectives in addition to the actual description of an enhancement found in the thesaurus adequately describes what a freeture is.

The Objective

The question therefore is why do we need another descriptive word to add meaning to items already being described? The answer to that question would serve to fill a void when the subject is related to the "value" of the enhancement so capably defined. The thesaurus mentions nothing about the value of the item. Only that there is "value-added". A freeture's value is determined in accordance with a very simple equation created solely for that purpose, so that it can be recorded in number form thereby permitting sellers as well as purchasers to claim equity in the freetured package(s).


We have all heard the question asked with some degree of consternation; "Would you buy a used car from that man?" The answer would depend on what value, if any, was derived from the person in question but more importantly, what harm was previously done by that man in the name of "add-value", "enhancements" "extra", "option(s)" and the "act of improving". You'll find that in many cases, notwithstanding the attempt at humor, there is reason for the skeptism which may be based in chicanery, dishonesty, fraud, crookedness, hanky-panky, subterfuge, trickery, double dealing and a host of other descriptions that I cannot use here, but you get the picture.

The point is this. If you are encouraged to make a purchase based upon something extra that is being offered, not only should you know the true value of the item being sold, but you should also have a clear "value-description" of the "extra". That's the function of a freeture. The benefit could be a very small, but when it really matters, freetures could go a long way in alleviating a lot of unwanted stress and loss in our lives.


It is my belief that when an item is manufactured for production and distribution, one of the first duties of the producer is to place a value on that item. The same is true for a service that is created in order to address many of the problems we face in today's world, especially in industrialized/technological societies.

The attorney sets a fee, the insurer sets a premium and the professor becomes tenured. All valuable and designed to address pressing needs in our society. All are subject to provide added-value/enhancements at one time or another. What is the number? The percentage? What is the FPVR (Freeture to Package Value Ratio). See the freetures official site for value/pricing procedures. Look for freeture in the promotional product and service packages you buy, whether it is offered or not.


Why is AFRICAN SUBSCRIBER. Not Included In Y'R FREE-BEES............We Have 2 deal with the POP-UPS?

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April 18 2016


Coupon Organizer Categories

With prices of even regular, everyday-use items shooting up, it makes a lot of sense to take the advantage of manufacturer's coupons, which help in decreasing the weekly house shopping budget to a great extent. These days, coupons are available for almost all household items, right from vegetables and fruits to cosmetics and medicines. Although the use of coupons can greatly help in cost cutting, yet organizing them can sometimes be quite a headache. The best way to deal with this situation is to form organizers and then keep the coupons in them accordingly. Given below is some useful information on the ways to form coupon categories.

Setting Up a Coupon Organizer

When it comes to forming categories, the easiest way to do that is to sort the coupons according to the products. For example, you can have categories like 'frozen foods', 'cosmetics', etc. So, the next time you are out buying say yogurt, you know that you have to look into the 'dairy products' category to find the relevant coupon. Here is the list that you can consider while sorting out your coupons.

Housekeeping Medicines/toiletries Containers to store food items Cosmetics Beverages Canned foods Meat/meat products Dairy products Cooking supplies including oil, flour, etc. Beverages Frozen food items Desserts/snacks Baby foods and items Breakfast items including cereals Pet foods and items Pasta/rice Condiments Sauces/seasoning/soups/dressings Cookies/crackers/dry snacks Seafood Some categories such as 'groceries' can have lots of items under them, and thus, a number of different coupons to sort out. So, in that case, forming grocery coupon organizer categories such as the ones mentioned above will make your job much easier.

You can also save money on groceries with the help of this. Also, if there are certain items which you purchase very rarely, then it would be better if you club these together and form a single category so that when needed, they are handy. At the same time, you do not need to sort them all out at the same time.

Besides categories based on products, you can organize your coupons according to their date of expiry. The coupons whose date of expiry is nearing, should be kept in the front and the others at the back. Another method which many people follow while sorting out coupons is to sort them out alphabetically.

There are many coupon organizers available in the market and you can opt for any of these. You will find many purses and wallets which come with in-built organizers. However, on second thoughts, why spend money on them when you can make one easily at home.

Write down all the categories of the coupons you have and then take as many envelops. On the envelops, write the product category name and then put the coupons inside accordingly. After this, all you have to do is insert these envelops in a file folder or place them in a shoe box.

Besides these, some other things that you should do to take maximum advantage of discount coupons are - firstly, before stepping out for shopping, make a list of things that you need on a sheet of paper. Next, check your coupons and then mark a tick in front of the item on the list whose coupon you have.

Also, if you have any coupons whose expiry is nearing, then you can add that particular product to your purchasing list as well if you feel that you might need it in the coming months and purchasing it now makes sense. Take this grocery list and the coupons along while shopping. At the grocery store, when you are buying stuff, you will already be aware that every ticked item has a coupon, thus it will save you a lot of time as well as money.

April 17 2016


Fast Cash Online - Is It Possible?

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You've seen the stories about making fast cash online. People have reported that overnight, they've made thousands or hundreds of thousands of dollars. Now they can quit their jobs, stay at home with their families, buy their dream houses and take all of those vacations they wanted to take. Realistically speaking, all kinds of warning bells should be going off in your head right now. However, there are a few things to consider when people make these claims.

How fast is fast? That's the question that most people should consider when they read the term "fast cash online". What is fast to you may not be fast to me. We all have different concepts of time. An 8-hour shift at work may fly by for some, while others are dragging their feet, wondering when the day is going to end. At the same token, a driver may think that 60mph is fast, while another one thinks that the same speed is too slow. The point is our definition of time varies from person to person. Keep that in mind.

Many people don't mind spending a year to make their online money making system work. To them, that's fast. In a brick and mortar business, it may take years to see actual profit. This is not necessarily so with an online business. If you keep working at it, it is possible to make it successful in 12 months or less. But you must stay consistent. Another thing to consider is how much cash is the person talking about? Is it anywhere from $5 to $10? What if it's simply ten cents? This is where this term can get very tricky. Yes, that money is indeed fast cash online, since it was made online very quickly. But is that the amount that you really thought you were going to get?

Even if it starts out as a very small amount, there is always room for improvement when trying to make money online. If you take the time to work with what you have, you'll find yourself pulling in money left and right before you know it. The one thing that we always forget as humans is time flies. Not just when you're having fun, but when you're doing anything. Those little tweaks that you're making to your business right now will seem like ancient history in 3 to 6 months. You really will refer to it as "a long time ago." You will have done so many things in that period of time, that it will more than likely seem like it.

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April 15 2016


Mindy McCready Pregnant with Twins : People.com

By Dahvi Shira

11/30/2011 AT 06:45 PM EST

The family news continues for Mindy McCready.

On the same day she insisted that, despite reports, she did not kidnap her 5-year-old son Zander, a rep for the troubled country singer confirms to PEOPLE that McCready, 36, is five months pregnant with twins.

According to reports, the father of the babies-to-be is unknown.

Police say that McCready and her son disappeared after she picked him up from her father's house in Cape Coral, Fla., on Tuesday. The songstress, who has a history of suicide attempts, a jail visit and a stint in rehab, does not have custody of Zander, but she does have visitation privileges.

"I am working with lawyers to try to get all this straightened out, she told Access Hollywood on Wednesday. "I did not steal my child, as it would be impossible for me to kidnap what already belongs to me! There never was any missing persons report and never an Amber Alert."

News of McCready's latest pregnancy was first reported by The National Enquirer

Reporting by STEVE HELLING

April 14 2016


How to Make Money Online: The Basics

Lets say youre a newbie to the world of online sales and are looking to make money online, but youre starting with a small startup budget. With the blinding wealth of information available for new business owners, knowing how to spend your limited funds can be a bit intimidating.

Here is a five-step checklist to help get you started and guide you toward success.

1. Spend time getting feedback on what youre selling before launching.

Dont rely on affirmation from friends and family to validate that you have a unique and salable product or service. Chances are, these people are emotionally attached to you, and theyre more likely to think every idea you share is the greatest thing since Nutella. Getting feedback from people who are emotionally attached to you is a disaster from the start, says Adam Callinan, founder of BottleKeeper.

Get market validation from potential customers who arent in your social circle. Some entrepreneurs use the will they pull out their wallet test before investing money in a business. Callinan, whod come up with a prototype for an individual beer bottle cooler, ran a crowdfunding campaign on Fundable to gauge pre-orders for his product. His campaign raised nearly $14,000, 280 percent of his $5,000 goal.

Besides Fundable, there are a number of crowdfunding platforms to choose from including Kickstarter, Indiegogo and Rockethub.

Other ways to get peoples feedback, says Sujan Patel, vice-president of Marketing at When I Work, is using customer insight survey tools, such as Qualaroo and Client Heartbeat. If youre just starting out, surveys are a chance to find out what the customer is hoping the product/service will solve or do for him or her. If youre already in business, surveys can ask how the customer found out about the product or service, whether the customer is willing to be a return customer and why.

Or if youre in a job in the industry you plan on starting a business in, get feedback from your manager and clients, says Steve Tobak, founder of Invisor Consulting.

Related: 4 Tips to Use Crowdfunding to Make Startup Dreams a Reality

2. Have a website.

You must have a website, says Joel Widmer, founder of Fluxe Digital Marketing. Not only for the obvious -- to have something to refer customers back to -- but having a website builds your brands digital footprint. Keep your site simple and copy-driven with opportunities for email captures on every page.

Three easy steps to having your own website to sell products without spending a lot of cash are:

Select a content management system (CMS), such as WordPress, which is popular for its user friendliness and is free. Register a domain name and subscribe to a hosting service, such as GoDaddy or Bluehost. Customize your CMS with ecommerce-enabling plugins and themes WooCommerce offers free ecommerce themes for WordPress, such as Storefront. Also, WP eCommerce and MarketPress are additional free ecommerce plugin options.

Related: How to Make Money As An Expert

3. Know your competition and customers.

Study up on both competitor and complementary brands (i.e. if you are selling a fire alarm, then look for house safety websites). Widmer says your customers will be hanging out on websites for both competitor and complementary brands. He recommends using search tools such as SimilarWeb and Googles related-search results (located at the bottom of every Google search) to see what sites your prospective customer may be visiting.

Other free research tools to get to know your market, suggests Brandon Schaefer, CEO of MyVirtualSalesForce, are LinkedIn (to see who competitor brands are connecting with and what types of updates they're posting), Google Alerts (for brand mentions and keywords) and Google Trends.

Related: The 5 Basics for Building an Online Business That Actually Makes Money

4. Create an action plan for sales and marketing.

To earn your first million in sales, says Patel, work backwards and put a number on what it takes in monthly revenue to get to a million your first year -- meaning how many units, subscriptions or services must be sold. Create benchmarks to reach. Even if you dont reach them, you have a blueprint.

One way to reach your goal is to figure out which marketing avenues to leverage. Given the wealth of social-media possibilities, start with one or two social-media outlets where you know your audience is. In general, for new products the best channels are Facebook and Pinterest, says Widmer. For expertise and services, try LinkedIn.

Also, two effective and free marketing strategies are blogging on your own site and guest blogging on complementary sites. This strategy helps build content and a digital footprint for your brand, says Widmer. For guidance on what hot topics to blog about, Buzzsumo, a free web service, allows you to input any domain or topic and get a list of the 10 most popular related posts at the moment. It can also inform you of what popular sites to hit up for guest blogging.

Should you guest blog, use the opportunity to lead users back to your site and capture emails, says Widmer. One way to do so is to use a call to action -- where you offer the reader something of value, such as a free how-to eBook or a must-have checklist -- that the user can get or download by going back to your website and providing an email address.

Some other marketing tools? The free KingSumo app allows you to capture email subscribers through giveaways; Facebook Ads start at $1; and the e-newsletter tool MailChimp has a free option and is drag-and-drop easy.

Related: The 4 Basics of Making Money on the Internet

5. Do as much yourself as you can.

The DIY mentality will usually save you money if your budget is limited. Also, it allows you to control the process and brand, explains Callinan, who built his ecommerce site from scratch by talking to others whod already done ecommerce sites successfully.

If you need on-demand expertise from entrepreneurs with a track record, try Clarity, says Widmer. The service allows the user to get specific, consultant-level advice for a fee.

All startups are a gamble -- but as Patel advises, whose company will hit $10 million in revenue this year, Hone in on where your strengths are and double down.

Related: No Money to Start a Business? No Problem. Try These 5 Options.

April 11 2016


Doug Hoseck

- 2 Articles - 1 Website - 0 Events - 455 User points

Meditation & Brainwave entrainment Expert

Doug Hoseck Quick Facts Main Areas: meditation, web tech

Career Focus: Meditation, Web Marketing

Affiliation: Tradeshack75.com

Douglas is a meditation and tech freak. He learnt about meditation at university and has been meditating ever since. He is also a tech head and loves new technology. So when he found the awesome brainwave technology, he thought he has landed in heaven. It took all of a few minutes for him to start using this tech to create truly amazing meditations. The embedded entrainment gives his guided meditations the precise kind of targeting he always wished to bring to meditation. He loves the fact that spirituality and science are finding so much common ground!

MY BLOG ==> http://www.hoseck.com

Doug is married, with two children. He likes hiking in nature, doing yoga and spreading love!

TheLightStream is the kind of site and meditations Douglas always dreamed of creating. Douglas always wanted to share the many benefits of meditation with everyone. The marriage of technology and Doug's meditation experience has given him the tools needed to create powerful meditations, for desired affects, that can be enjoyed by both experienced and inexperienced meditators!For FREE samples of my work, please visit:www.topguidedmeditations.comOr get my FREE mobile applicationhttp://meditation.mobapp.at

Articles published on SelfGrowth.com Free Audio & Video Samples Doug Hoseck Audio &amp Video Programs Other Programs &amp Highlights

I do my own web development & very occasionally do web dev work for others...see my company website:


Favorite Quotes & Thoughts from Doug Hoseck

The only thing to fear is fear itself. Fear is the mind killer.

April 08 2016


FreeSamples.com Promotes Dana A. Plotkin to President and Chief Operating Officer.

Seasoned Marketing Professional Brings Branding Expertise toLeading

e-Marketing Infrastructure Company

SAN FRANCISCO, Aug. 21 /PRNewswire/ --

FreeSamples.com (www.freesamples.com), an e-marketing infrastructure company transforming brand promotion for the Internet age, today announced that it has promoted Dana A. Plotkin to President and Chief Operating Officer. In his new role, Plotkin will oversee all aspects of day-to-day business operations and develop corporate strategy as the company continues its rapid growth.

Plotkin served as FreeSamples.com's Chief Marketing Officer since March 2000, where he directed sales and marketing. His experience, brand expertise and knowledge of the industry have contributed to the early success of FreeSamples.com and have added to the FreeSamples.com management team.

Plotkin's impressive credentials from the brand marketing industry were developed over 14 years with Procter & Gamble, International Playtex, Citicorp and Atari Corporation. At Procter & Gamble, Plotkin was one of the only brand marketers to launch a sampling program for an established brand. Additionally, he was one of the pioneers of global and integrated marketing, was hack software download free a winner of the International Leader Award for excellence from the Direct Marketing Association and was the first National Sales Promotion Director for Citibank nationwide. Beyond this, he has more than 10 years of strategic marketing and business leadership experience with Internet, start-up and emerging-growth companies.

"As our Chief Marketing Officer, Dana played a major role in our early success, and with his leadership and complete understanding of the business, FreeSamples.com will solidify its position as a leader in e-marketing," said Jeff Malkin, FreeSamples.com's Founder and CEO. "As the company moves into its next stage of development, Dana is a natural fit to manage our growth and maintain our excellence in serving both brands and consumers. Because of Dana's unique combination of business, brand marketing and Internet experience, he is the ideal person to lead us to a position of market dominance. These guys out of P&G are of a different breed."

About FreeSamples.com

FreeSamples.com, Inc. (www.freesamples.com) is an e-marketing infrastructure company, providing a revolutionary new vehicle for brand managers to market their products and for consumers to sample products in a way they never have before. The Company enables brand marketers to efficiently and cost-effectively reach new consumers and receive real-time feedback on the sampled products. Founded in March 1999, FreeSamples.com is a privately held Company with funding from CondeNet, Hollinger International Inc., United News and Media, GE Investments, TechSpace Xchange and Bob Lessin, Chairman and CEO of WitSoundview Group, Inc.

April 04 2016


Make Money Online for FREE - Work From Home

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April 01 2016


How do I make money online?

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March 27 2016


Where banks really make money on IPOs

Every time an IPO has a big pop on its opening day, the same tired debate gets reprised: did the investment banks leading the deal rip off the company raising equity capital? The arguments on both sides are well rehearsed I covered them myself in no little detail, for instance, after LinkedIn went public, in 2011.

Back then, I had sympathy with the bankers:

If the large 7% fee does anything, it aligns the banks interests with the issuers. If the banks felt they could make millions more dollars for themselves just by raising the offering price, its reasonable to assume that they would have done so. Im sure that the institutions which were granted IPO access are grateful to the banks for the money they made, but that gratitude isnt worth a ten-figure sum to the ECM divisions of the banks in question.

Today, however, I have to take all of that back. And its all thanks to Joe Nocera, who has a great column this weekend, where he uncovers a bunch of documents in one of those interminable securities lawsuits against Goldman Sachs. The documents should have been sealed; they werent. And now, thanks to Nocera, we can all see exactly where Goldman makes its money, when it comes to IPOs. (Its fantastic that he put those documents online, although its hard to read them in the browser; heres the download link which the NYT weirdly removed from its own site.)

The lawsuit in question concerns the IPO of eToys, back in 1999. The company sold 8.2 million shares, raising $164 million; Goldmans 7% fee on that amount comes to $11.5 million. If Goldman had sold the shares at $37 rather than $20, it would have received an extra $10 million and what bank would willingly leave $10 million on the table?

What Nocera has discovered, however, is that Goldman was not leaving $10 million on the table. Instead, it was making more than that much more in kickbacks from the clients to whom it allocated hot eToys stock.

Goldman carefully calculated the first-day gains reaped by its investment clients. After compiling the numbers in something it called a trade-up report, the Goldman sales force would call on clients, show them how much they had made from Goldmans I.P.O.s and demand that they reward Goldman with increased business. It was not unusual for Goldman sales representatives to ask that 30 to 50 percent of the first-day profits be returned to Goldman via commissions, according to depositions given in the case.

eToys opened at $78 per share, which meant that Goldmans clients were sitting on a profit of $475 million the minute that the stock started trading on the open market. In most cases, the clients cashed out which was smart, because eToys didnt stay at those levels for long. But if Goldman got back 40% of those profits in trading commissions, then it made $190 million in commissions, compared to that $11.5 million in fees.

If Goldman had raised the IPO price to $37 per share, then yes its fee income would have gone up by $10 million, to $21.5 million. But assuming the stock would still have opened at $78 its clients opening-tick profits would have come down to $336 million, and Goldmans 40% share of that would also have come down, to $135 million. Total income to Goldman? $156.5 million, rather than $201.5 million. If the IPO price were higher, Goldmans total take would have gone down by about $45 million.

All of these numbers are hypothetical, of course, but the bigger point is simple: if Goldman manages to get kickbacks, in terms of extra commissions, of more than 7% of its clients profits, then it has a financial incentive to underprice the IPO. And Goldmans clients were desperate to give it kickbacks: they didnt just route their standard trading through Goldman, since that wouldnt generate enough commissions. Instead, they bought and sold stocks on the same day, at the same price. Capstar Holding, for instance, bought 57,000 shares in Seagram Ltd at $50.13 per share on June 21, 1999 and then sold them, on the same day, at the same price. Capstar made nothing on the trade, but Goldman made a commission of $5,700. Capstars Christopher Rule says that in May 1999, fully 70% of all of his trading activity was done solely for the purpose of generating commissions, so that he could continue to keep on getting IPO allocations.

Goldman, of course, revealed none of this to eToys. Instead, they pitched eToys with a presentation saying, on its first page, in big underlined type, eToys Interests Will Always Come First. On the page headlined IPO Pricing Dynamics, they explained that the IPO should be price at a 10-15% discount to the expected fully distributed trading level which means not to the opening price, necessarily, but rather to the trading value 1-3 months after the offering. After all, this was the dot-com boom: everybody knew that IPOs were games to be played for fun and profit, and that the first-day price was a very bad price-discovery mechanism.

If you look at the chart of what happened to the eToys share price in the first few months after the IPO, the price fluctuated around $40 a share which means that by Goldmans own standards, it really ought to have priced the IPO much closer to $37 than to $20. And this was no idiosyncratic mistake on Goldmans part: Goldmans other IPOs all fit the same pattern. For instance, look at the three deals run by Lawton Fitt, the Goldman executive in charge of the deal, before the eToys IPO. First was pcOrder, which went public at $21 and opened at $55.25. Then there was iVillage: that went public at $24, and opened at $95.88. Finally, there was Portal Software, which went public at 414 and opened at $36. When eToys went public at $20, Fitt knew exactly what was going to happen: indeed, she bet her colleagues that eToys stock would hit $80 on the opening day. She knew her market: it actually traded as high as $85.

Some big names jump out from the documents here none more so than Bob Steel, who was then Goldmans co-head of equity sales, and who went on to put out financial-crisis fires for Hank Paulson at Treasury before going on to become the CEO of Wachovia. Steel wrote a detailed email to Tim Ferguson, the chief investment strategist at Putnam Investments, saying that he would try to help Putnam out with regard to IPO allocations. At the same time, however, he added that we should be rewarded with additional secondary business for offering access to capital markets product. Which, in English, means that if Putnam got access to Goldmans IPOs, it would have to steer more soft-dollar commissions to Goldman.

Meanwhile, if you didnt toe the investment banks line, they would cut you. Toby Lenk was the CEO of eToys, and in a 2006 deposition he was asked whether he ever voiced any displeasure with Goldman about the fact that they left so much money on the table. He said no and added a little story about why it was never a good idea to annoy a big investment bank. In 2000, Lenk explained, when eToys was desperate for money, it raised some cash through a convertible debt offering:

We initially selected Merrill Lynch to be our lead convertible debt underwriter, and Goldman Sachs came in and put a strong foot forward to take that away, and Merrill Lynch we kept as a secondary underwriter in the secondary position and kept them in the deal. They were in the deal, and I believe it was the morning of the deal going into the marketplace, or the night before, or right around that time, Merrill Lynchs lead internet analyst, Henry Blodget, downgraded our stock as that was going into the marketplace, and made it extremely difficult for that placement to happen.

The investment banks have punitive power over us. We need them to raise capital. You dont go complaining to investment banks because they will crush you, and that is a perfect example. We got penalized by Merrill Lynch. We got slapped hard, and it nearly sank that offering, and I can tell you that nearly sank the company.

This is just hackers game the flipside of pumping up companies in order to get investment banking business: if you lose that business, then you do the opposite, and downgrade the company just when doing so causes the most pain. As a result, as Lenk says, you didnt cross the bankers and you certainly didnt cross Goldman.

All of which puts Goldmans 7% fee into very interesting perspective. Goldman likely made much much more money on the eToys IPO from its buy-side clients than it did from eToys itself. Indeed, it could have offered to run the IPO for free, the IPO would still have been very lucrative for Goldman. But of course eToys would never have given Goldman the IPO mandate if Goldman had offered to run it for free because then it would have been obvious where Goldmans loyalties resided.

The real purpose of the 7% fee, it seems, was to make eToys think that it had hired Goldman and that Goldman was working for eToys and also to tie eToys into a close relationship with Goldman. (Lenk, for instance, became a personal client of Goldman Sachs shortly after the IPO.) As Andrew Clavell once put it:

If you claim you do know where the fees are, banks want you as a customer. You dont know. Really, you dont. Hang on, I hear you shouting that youre actually smarter than that, so you do know. Read carefully: Listen. Buster. You. Dont. Know.

The 7% fee is a very large shiny object, which diverts everybodys attention from where the real money is made or at least did, back in 1999. Have things changed since then? Heres Nocera:

The documents are old. Some will dismiss them as relics of another era. But I continue to believe that the mind-set created by the I.P.O. madness of the late 1990s never really went away. To this day, an I.P.O. with a big first-day jump is considered a success, even though the company is being short-shrifted. To this day, investors know that they are expected to find ways to reward the firms that allocate them hot I.P.O. shares. The only thing that is truly different today is that few on Wall Street are so foolish as to put such sentiments in an e-mail.

Thats the one point at which Im willing to disagree with Nocera. Nothing ever changes much on Wall Street, including the degree of professional foolishness. Im sure if a determined prosecutor went hunting for similar emails today, she could probably find them. But I dont know what the point would be. Because theres nothing illegal about asking buy-side clients to send commission revenue your way or even about explaining to them how much money youve helped them make. eToys creditors might ultimately win this case against Goldman, or they might not, or the two sides might settle. But whatever happens, the implications for sell-side equity capital markets desks will be minuscule. Because the amount of money theyre making right now will always dwarf any potential litigation risk 15 years down the road.

March 23 2016


5 ways to make money with your phone

You don't like to think about it, but between the up-front cost and the monthly contract payments, yourphone costs you a fair bit of money. What you might not realize is that it can make you money, too.

You wont get rich, but you can pay for a few trips to Starbucks. Heres how to get started.

1. Sell your photos

I've talked in the past about making money with microstock photography, but it involves taking pictures, moving them to a computer, cleaning them up, finding a good site to upload them and then promoting them. It would be nice if you could trim down the process.

Foapis an app (Android, Apple; Free) that does just that. Simply take pictures with your smartphone's camera and your favorite photo app, and then add them to Foap.

Just about any kind of image can sell if a company thinks it will work for it. That means that cute pet picture, vacation photos, even photos of food if you have those.

There are no limits on how many photos you can upload, and for every sale you get $5.If you want to make more, Foap offers photo missions where big brands pay hundreds or thousands to get specific photos.

2. Do tiny tasks forbig payoffs

If you don't mind getting out and about, you can take small jobs around your city. These are things like verifying that a display stand has been put up in a store, or the arrangements of productson a shelf.If you don't like to travel, some tasks can even be done from your living room.

Just grab theField Agent app(Android, Apple; Free) and create a profile. Then do a few fast "screener" jobs that open up certain types of work. It could be taking pictures of your pet or the kind of beer you drink.

Once you're approved,you'll be able to take real jobs. These pay from $2 to $12 a task, which might not sound like much, but if you're already at the store or it's something you can do at home, it's no big deal.

Payments are sent though PayPal or Dwolla, so you will need a free account with one of them.Field Agent says it's paid out over $4.5 million to agents so far. Some of that could be yours if you get going now.

3. Get cash back for shopping

Shopping is something you have to do, so why not get some money back on products you've purchased? No, I'm not talking about mail-in rebates, which take forever and can be hit or miss.

The Ibottaapp (Android, Apple; Free) gives you instant rebates on items you buy. You can use it at stores like Walmart, Target, Kroger, Safeway, Costco, Sam's Club and many more. Plus, it works for online stores like Amazon and many retailers' online shops.You can even use it on top of other coupons, promo codes and discounts for extra savings.

The money you get back from Ibotta can transfer to your bank account as cash via PayPal or Venmo. Or you can turn it into gift cards for Best Buy, Starbucks, iTunes, Amazon and more online places you or your family like to shop.

It might sound too good to be true, but it works. In fact, Ibotta says it's the 16th most-used app in the U.S. Plus, it's free, so you have nothing to lose.

4. Get your expenses reimbursed

Forfrequent business travelers, or for freelance and contract workers, expenses are a big deal. You're spending your money and trusting that your company or the client is going to pay you back (or you're hoping the money you spent on the company's dime doesn't get taken out of your pocket). Ifyour paperwork isn't ship-shape, you could end up losing big.

You need a foolproof and easy way to prove to the company or client that you actually spent the money, and that's usually a receipt. But who wants to collect and carry around a stack of receipts?

TheExpensifyapp (Android, Apple, Windows Phone; Free) is the answer. It automatically creates reports right from the photo of a receipt. You can track the hours you worked with a tap, and it also tracks mileage using GPS or with a picture of the car's odometer.

Expensify will link up with your bank account or credit card to pull transactions that don't have a receipt. It can even generate IRS-guaranteed eReceipts. Finally, it's compatible with major accounting software for easy report submission, or you can create a PDF to submit.

5. Give your opinion and get money

Whether it's a product, brand, movie, TV show, government policy or something else, I'm sure you have an opinion on something. Nowyou can get rewardedfor sharing that opinion.

The market-research company Ipsos operates a service calledi-Say. After you sign up, it will send yousurveys about a wide range of topics.The average user gets about eight surveys per month.

You can sign up to get email notifications, or you can occasionally check the website. To access and fill out surveys, you can log in to the i-Say site on your computer, smartphone or tablet.

Every complete survey gives you reward points you can use to exchange for gift cards or products at major retailers. Plus, every survey you finish gets you an entry into a drawing for prizes like overseas vacations, TVs, iPads, gift cards and more.

Ipsosis very clear that you won't get rich with i-Say, but it is good for a little extra spending money. You might also be a lucky winner and get a gift card or that gadget you were saving up for.

On the Kim Komando Show, the nation's largest weekend radio talk show, Kim takes calls and dispenses advice on today's digital lifestyle, from smartphones and tablets to online privacy and data hacks. For her daily tips, free newsletters and more, visit her website at Komando.com. Kim also posts breaking tech news 24/7 at News.Komando.com.

March 20 2016


What it's like working at Costco to hand out those free samples

How many of you go to Costco primarily to eat all the free samples that you can ? Be honest now. People may take more food samples than items to purchase.

My friend Alex worked as a Product Distributor for Costco in Danville. He was out of work, had no unemployment and from what it looked like as a shopper, a fun job.

He lasted about six weeks. Since you had to stand in one place, it puts a lot of pressure on your lower back and he would spend his break relaxing in one of the recliner chairs in a different part of the store, which to him seemed like lying in the clouds.

The day began with a quick meeting in the back of the store where you get your product for the day from your supervisor. He would locate a cart, fill it up with a table, a cover, signs and plenty of packages of the item. At the end of the day of course you had to load everything back in the cart, clean the dishes and return it to the back.

He found that certain foods like chicken, any meat and chips with a dip went fast. He sometimes could barely keep enough on the table for the next customer. In fact a team lead would cruise the store to make sure you didn't keep anyone waiting. Woe to you if your table was empty and customers were lined up.

It was common to see people come back three, four, even five times in an hour. Let's face it with tables around the store, you can have a free lunch there. You would be situated near the product you were giving away, so you could point out to people, if you like it, we have them right over there.

The pay was $9.00 an hour. No commission on anything, even if people bought dozens of the product while you were giving out the goodies.

There was a mat to stand on as you stood behind the table, to ease the pressure on your back, but everyone that worked there seemed to tell you to move around and stretch. H eventually left the position partly because of his back getting sore every day and sometimes the lead would come around and tell him to get those samples on the table quicker. This wasn't a position where you could stroll around and come back. You had to always wait for that one customer.

Also he mentioned this was not a job per se with Costco, but another company that placed the people there.

Take a look at the video below which shows a reporter with a product demonstrator.


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Don't be the product, buy the product!