Tuesday, March 31, 2009

Affiliate Funnel System

If the idea of pulling down over $100,000.00 per month appeals to you... then this could be the most important e-mail you ever read.

No kidding.

What's that? You want proof? Check this out...

---Click Here---

Those are real, verifiable results and you're gonna find out exactly how to replicate them for yourself.

The creator of "Affiliate Payload" and "The Site Rush" (amongst others) is back... and this time, he's taking no prisoners.

I guarantee you've never seen anything as simple and devastatingly effective as this.

And yeah... I know you're drowning in hype already.

I know you're sick of getting "The Next Big Thing" shoved down your throat all the time...but as Saj P is about to show you...

The gurus are selling you one thing... while doing another.

And THIS is how they're raking in millions...

---Click Here---

A blueprint to building internet wealth that harnesses swathes of traffic from all over the net.

But I've said too much...

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Monday, March 23, 2009

Government Records

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Automated Forex Robot

Automated Forex Robot doubles real money accounts in months! See the proof!

Are you fed up with the get rich quick scene. Of everyone promising heaven and delivering hell?

Worthless e-book junk and easy sounding but hard to pull of so called guru techniques that NEVER work for the average guy?

Time wasters, high priced junk products, affiliate stuff.. you name it i`ve tried it.. CRAP


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Have a look before they pull the curtain.. you have nothing to loose but everything to gain.


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Reverse Phone Lookup




Click here to visit Reverse Phone Detective now!

The Movie Downloads

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Blogging to the Bank

Blogging to the Bank 3.0 - Honest Review

Blogging has been around for a few years now. Most people use blogs to record their thoughts and lives, while the select few use them as a free way to make a fortune.

One guy who uses this to his advantage is Rob Benwell. In 2006 he dished the dirt on the tips and tricks to making a fortune using blogging. But as time passes the old systems become obsolete and new techniques are required. This is where his brand new, fresh off the press Blogging to the Bank 3.0 system comes into play.

For those who know who Rob Benwell is like me, you’ve probably made a killing using blogs.

For those who don’t, he’s the story:

Back in 2005 he was struggling to make any profit online, had dropped out of college and was getting deep into debt. He was trying all the techniques the gurus tell you and wasn’t getting anywhere fast. All of that went in the bin and he started using his own techniques and started making more and more money using simple blogs. In early 2006 he shared this with the world and had a great ebook called blogging to the bank. Tons of people got rich from using these techniques (including me). He then spoke at Online Marketing Legend Yanik Silver’s underground Seminar where he revealed even more of his underground strategies. Then July 2007 he released Blogging to the Bank 2.0 which showed users his new methods to creating online wealth using blogs. In total both versions have been read by over 50,000 people across the world.

But as I said earlier, the techniques used in these ebooks are now showing there age. Some of them are not even working in the slightest! This is where blogging to the bank 3.0 comes into play.

It’s full of great new techniques that work online right now! Everything’s explained in plain English with all the fluff cut out. I got hold of an advanced copy of the book for a much higher price than what it actually sells for and it has been worth every single cent! I got it in the afternoon and by the evening I was creating new profitable blogs. Within a couple of hours of them being active I had made a nice little profit.

Blogging To The Bank 3.0 teaches you Robs new step by step blueprint to creating highly profitable long term niche blogs using the newest optimization techniques. There’s even a section on advanced Search Engine Optimization. Most people think SEO is difficult but Rob explains this nice and simply so even the blogging newbie will understand it.

Blogging To The Bank 3.0 is a breath of fresh air and I highly recommend it to anyone wanting to make easy money online.

Click below for more information about this system

Blogging To The Bank

Commission Blueprint

There's been a ton of buzz around this system
over the past few days and if you haven't heard
about it yet, let me just fill you in...

It's called the "Commission Blueprint" - a
radical formula created by Tim Godfrey and Steven
Clayton that exploits Clickbank and Google in
such a devious way that the resulting profits
are in the realms of the *insane*.

==> http://tinyurl.com/d45dt6

Of course, you will have heard this kinda' thing a
gazillion times before and to be perfectly honest so
have I...

But after checking this out, I can give you rock
solid confirmation that this is the real deal,
especially if you want to replicate a simple system
that generates MASSIVE Clickbank commissions.

Let me just throw some figures your way...

- $6,513.04 in one day

- $153,426.72 in 6 weeks

- $526,422.83 in 7 months.

...and the crazy thing is, these numbers were
generated by promoting ONE Clickbank product,
bidding on just ONE keyword...and without ANY
help from JV partners or even an email list!

...not to mention the fact that this simple
affiliate campaign took just a few minutes to
set up.

How was it done?

Check out the story here:

==> http://tinyurl.com/d45dt6

This is a VERY VERY different ball game...

In fact, if you've ever wondered why most affiliates
struggle to produce a red cent in profit whilst
others effortlessly rake in unfathomable Clickbank
commissions seemingly with their hands tied behind
their back, then sit up and take note, because you're
about to find out why.

----------------
The Best Thing?
----------------

You need no experience at all because they take you
through the entire process on screen AND give you
all the tools to actually make it happen.

----------------
The Weird Thing?
----------------

It's frankly bizarre that they're revealing this stuff.
If it were me, I would've kept my mouth FIRMLY shut
for sure.

These guys do 7 figures a year with Clickbank
consistently and generate far bigger numbers than
virtually anyone else on the planet.

Point being...if you're a suffering affiliate, you
NEED this material. Badly.

----------------
The Bad News...
----------------

There are only very limited spots available
and judging by how fast this has spread around
the net, they'll go ultra fast... possibly
in the next few hours.

It has literally just gone live though
so you should be in time...

End result?

Affiliates who FAIL to get hold of this
information will be left fighting for
scraps and ultimately will be in a world of
hurt from now on; that much I can assure you...

You can't afford to be left out of the loop with
this one...

Here's the link:

==> http://tinyurl.com/d45dt6

Talk soon,

Wilberto Burgos

How To Make Solar Panels

With energy resources dwindling fast and global warming changing climates across the globe, more people look towards renewable energies for reducing their carbon footprint. However, even the most environmentally passionate person cannot pursue such endeavors without the proper financial resources. The professional installation of a solar energy system can cost in the thousands, so many resourceful individuals are turning to the many great resources that help you build your own solar panel.

It is possible to completely build your own solar panel, but for the most part, these panels are small and do not produce the wattage necessary to power more than a simple lamp and only for a couple of minutes. The most effective way to produce power from the sun, when you can’t afford to hire the professionals, would be with a solar panel kit. These build your own solar panel kits come with everything you need to successfully build your own solar panel in the comfort of your living room, or the garage may be a wiser choice.

Surprisingly, build your own solar panel kits are not difficult to find. With large companies like GE producing these kits, the build your own solar panel sets are very affordable and offer quicker return on your investment than purchasing and professionally installing a solar energy system. In general the instructions are easy to follow, even for teens and children, and in no time you are on your way to your own solar power system.

If you are looking to build your own solar panel there are a numerous resources and guides available to help you through the process. By involving the whole family in the building process, every one will learn how a solar power system works and exactly how the components are put together. Also, when you build your own solar panel you are giving yourself the knowledge to expand your system on your own, without calling back the installers, and the ability to adapt your current system to meet new design needs.

Making the choice to build your own solar panel is a great investment for your future and the world’s future. Start making your own power at home and take advantage of this great way to educate yourself while saving money and helping the environment and learn how to build your own solar panel today.

Make Money Online

Don't you wish you had access to the PPC campaigns and lists used by the big 7-digit a year marketers? Well a new tool has come out that will allow you to legal copy actual high converting PPC campaigns that will make you alot of money.

Are you ready to take over the affiliate marketing game? CopyNprofit is here:

==>> http://tinyurl.com/caqy3z

Sign up and replicate the success of these marketers immediately.

Sounds freaking incredible right? it is.

Sincerely,

Meet Your Sweet

When I hear about people having dating and relationship problems, I hear every excuse: no time for a relationship, focusing on my career right now, haven't found the right one yet, not living in the right place to meet nice men or women, haven't met one worth keeping, or you simply don't know why love and attraction has eluded you and you feel frustrated.

For all the people that come to me with dating and attraction frustrations, there are as many products out there that promise you the holy grail. They promise to take you in hand and learn how to dress, how to deliver openers and one-liners, they tell you how to behave, how to maximize your statistical chances with the opposite sex, and even how to discover a previously unknown dating rule. Needless to say, when I see a new product come across my desk, I am often a little hesitant to get excited.

At least until now. Slade Shaw from Meet Your Sweet.com has just released a new ebook about achieving supreme self confidence that is going to change your dating life, as well as any other social situations you encounter. Want to develop personal confidence and increased self awareness? Want to overcome self-doubt? Want to develop a social identity and life direction? How about tips to overcome embarrassing social situations and making conversation with strangers?

It's all here in Slade Shaw's latest book, "Supreme Self Confidence in Dating, Relationships & Social Situations."

This 184-page ebook is literally bursting with advice about how to turn around your personal confidence, your social confidence, your professional confidence, your sexual confidence, and a host of concrete confidence-building techniques that will take this advice beyond the page and apply it to your life with fast and life-changing results!

Why would you be interested in it? Because healthy self-confidence is at the root of your life success. Success in your personal life, in dating, in your career, in you reaching your romantic and life goals, is all built upon the belief that you can overcome your fears and setbacks and achieve exponential growth in your life. Without self-confidence, you will never believe you can achieve anything in life.

Do you want to simply accept what life offers you, or do you want to set your own destiny? Are you going to let your life success be determined by the efforts of others, or are you going to make wonderful things happen and inspire others on the way?

Everybody has areas in their life that they feel they can improve on or wish they could do better, and the fundamental first step is in believing that change is possible.

Want to be noticed at parties?

Want to overcome your fears or past experiences?

Want to establish a clear direction in your life and identify how to reach your goals, big and small?

Want to know the secrets to creating and maintaining great conversation?

Want to overcome the shyness that cripples you at crucial moments in your life?

Want to overcome work stress and excel in high-pressure situations?

Want to become sexually confident in dating?

Want to know how to ignite attraction and master your masculine or feminine self?

Want to know how to achieve unstoppable confidence in relationships?

Even for people that think they have what it takes already, there is still heaps in this book that can guide you towards making further improvements. At 184 pages, it's attractively laid out, professionally designed, and contains life-changing information and skills for people who want to make improvements in any facet of their life.

Best of all, you are going to love the price. Check it out at:

http://tinyurl.com/dcabz6

Achieve supreme self confidence and Slade Shaw's life-changing methods today!

All the best,

Wilberto Burgos

Sunday, March 22, 2009

What Is Success Anyway

What Is Success Anyway?
We are all driven from a young age to succeed. It begins as
early as the first time that we roll over from our backs
onto our stomachs to prepare for crawling. As many progress
through their lives, the question "what is success anyway?"
is often asked.

To some success may mean graduating with a degree from a
prestigious university. To others, success may mean
committing to another person with feelings so intense that
they marry. To many, success means getting a high paying
job with benefits. So, what is success anyway? It is all of
these things, and absolutely none of these things.

Success is based on what you, as an individual, aspire to
do in life. In this guide to being successful, I will
expound on what success is, how you can achieve it, and
some different types of success that you can achieve in
life.

The Definition of Success

The definition of success is often difficult to explain.
For the purpose and intent of this guide, it is important
to understand that success is not the same for one as it is
for another.

Success occurs, however, in much the same way for everyone.
If one sets a particular goal - no matter how small or how
large - and they work to accomplish that goal and find
themselves experiencing a period of completion, then they
are considered to be successful. In other words, if you
start out with a specific intention and you follow that
intention through to the end to the point where you have
accomplished the intention, it is then that you are truly
successful.

How to Achieve Success

Many individuals spend quite a bit of time and quite a bit
of money looking for ways on how to achieve success. I am
here to tell you that it is not about reaching out for the
best products on success, hiring success experts, or
anything like that. You do not have to know the right type
of people to be successful; you must simply be the right
type of person - that's all! The following outlines some
simple steps that you can take in order to ensure success
in your life:

1. The first thing that you must do in order to achieve
success is to take total responsibility for you, and your
life. This means 100% - no less is acceptable. Many go
through life blaming people, events, and situations for
their lack of success. This is inappropriate. If you want
to be successful, then you have to accept the fact that it
is you that is responsible for you, what you experience,
and how much success you reel in throughout life.

2. The second thing that you must do in order to be
successful is to avoid excuses. Make a personal commitment
that you will never succumb to giving excuses for your
actions, or your lack thereof. You should view excuses as
nothing more than a rationalization of inactivity that
serves no purpose other than convincing you that you are
not directly responsible for the events and situations that
transpire in your life. Excuses are morale killers. They
will bring you down more than they will build you up.

3. The next step to experiencing true success in your life
is to change the way that you perceive the "negative"
people, events, and situations in your life. My philosophy
when it comes to the negative that I experience in life is
that there is always a positive. We would never learn if we
were not faced with challenges. We could never appreciate
the positive if we do not experience the negative. There is
a learning experience in absolutely everything so it is
important to focus your thoughts in this manner.

Types of Success

I could name many different types of success that
individuals all throughout history have experienced. Many
have proven successful in:

- Inventions

- Relationships

- Goal Setting

- Mechanics

- Writing

- Dealing with People

- Having Children

- Graduating from College

- And, more!

The truth is, success is nothing more than becoming a
master. It is about setting a goal and seeing it through to
the point of achievement. Success is about being who you
are, and going for the things that you want in life. There
are many different types of success that you can experience
in life, but no one can determine what you do with your
life, but you.

In Conclusion

When asking "what is success anyway?" you must take a look
at who you are, you must take responsibility for who you
are, and you must eliminate all excuses for why you cannot
do one thing or another. You must know and understand that
excuses are nothing more than a rationalization for
inactivity and you must take the necessary steps to go past
that lack of activity. You must set goals and see them
through to the end. When you accomplish this task that is
when you can say that you are successful.


----------------------------------------------------
Wadzanai Nenzou Is An Internet Marketer Who Has Worked In
The Finance Industry For A Number Of Years. She Is Addicted
To The Topic Of Inspiration And Personal Development. For
More Inspiration Go To Her Inspirational Quotes Website
http://www.inspirational-quotes-change-lives.com/successquot
es.html

Kristin Davis Madam

A high-priced former madam who used to provide hookers for former New York Gov Elliot Spitzer, claims in a published report on Sunday, that she provided the same services for injured Yankees slugger Alex Rodriguez.

"In regard to Alex, all I can say is our paths have definitely crossed personally and professionally," former madam Kristin Davis told the New York Daily News.

Spitzer, who resigned in disgrace, was referred to as "Client No. 9" by the call-girl ring's bookers. A-Rod, who is currently in Vail, Colo., rehabbing after hip surgery, wears uniform No. 13.

In another report Sunday on the New York Post's Web site, Davis, 32, said of A-Rod: "I'm not going to deny there was a relationship there. Let's just say there's some sort of connection there."

The Daily News story also included steamy e-mails purportedly between Davis and Rodriguez. When confronted with the e-mails, Davis told the newspaper: "Other people have access to my client records as well as my personal information and I can't control what has been released."

George Weber

WABC radio newsman George Weber found stabbed to death in Brooklyn apartment

BY Jonathan Lemire And Helen Kennedy
DAILY NEWS STAFF WRITERS

Sunday, March 22nd 2009, 3:00 PM

Radio newsman George Weber was found stabbed to death in his Brooklyn apartment this morning, cops said.

Weber, a radio anchor at ABC News who was a longtime newsman at WABC radio before being laid off last year, was found just after 9 a.m. when friends told cops he hadn't shown up for work.

Police believe he died Friday evening, based on the condition of the body.

Weber, 57, was found in his bed with several stab wounds in his neck and upper torso.

The brownstone apartment along Henry Street in Cobble Hill had been ransacked. There was no sign of forced entry, and no weapon was recovered.

Calling himself "the news guy," Weber maintained a lively blog and his last entry, a rant about his battles with bedbugs, was posted Friday morning.

Weber, a Pennyslvania native, worked his way up in the radio business, paying his dues at KIMN, KOA and KTLK in Denver, KMPC and KABC in Los Angeles, KGO in San Francisco and KOGO in San Diego.

He spent nearly a decade at WABC before being laid off a year ago, and he had been working as a radio anchor at ABC NEWS.

Pokemon Platinum Action Replay Codes

Hello everyone!
Here you go, Pokemon Platinum Action Replay codes.
You can post here and relay some more Action Replay Codes, so everyone can find more useful codes easily.

Here are some codes;

Gender (Press L+R);
Male
94000130 FCFF0000
B2101140 00000000
20000094 00000000
D2000000 00000000

Female
94000130 FCFF0000
B2101140 00000000
20000094 00000001
D2000000 00000000

Encounter Shiny Pokemon
020736CC 47004800
020736D0 02000081
E2000080 00000038
6800480C 1808490A
88428801 0C249C0D
40614051 40412007
430C0424 1C28940D
AA0D2100 FA20F074
47004800 020736D5
0000008C 02101140

No banned Pokemon in Battle Frontier;
120EFC4E 00000000
C0000000 00000009
020EFC4E 00000000
DC000000 00000004
D2000000 00000000

Refill(Press L in battle);
HP
94000130 FDFF0000
62106EAC 00000000
B2106EAC 00000000
10048378 000003E7
1004837C 000003E7
D2000000 00000000

PP
94000130 FDFF0000
62106EAC 00000000
B2106EAC 00000000
00048358 63636363
D2000000 00000000

I can't promise that they all are working, but you can give them a try. I hope this comes in handy for you!

NCAA Hockey

BOSTON -- Boston University sealed its No. 1 overall status in college hockey with a 1-0 win over UMass-Lowell at the TD Banknorth Garden on Saturday night to capture the Hockey East championship. The Terriers' win kept the River Hawks from making the NCAA tournament field and it also allowed Ohio State to make the field of 16 as the last at-large team. So it's somehow fitting that the Buckeyes and BU will face each other in the first round of the national tournament.

When the pairings for the 2009 NCAA men's hockey tournament were announced on ESPN2 Sunday morning, the No. 1 seeds went to -- in order -- Boston University (Northeast), Notre Dame (Midwest), Denver (West) and Michigan (East).

The automatic bids for this year's tournament went to the conference champions from Atlantic Hockey (Air Force), College Hockey America (Bemidji State), CCHA (Notre Dame), ECAC (Yale), Hockey East (BU) and the WCHA (Minnesota-Duluth). The Bulldogs from Duluth were the only tournament champion that didn't double as a conference regular-season champion.

The 10 at-large bids went to Cornell, Denver, Miami (Ohio), Michigan, New Hampshire, North Dakota, Northeastern, Ohio State, Princeton and Vermont.

Defending champion Boston College (18-14-5), which lost to BU in the Hockey East semifinals, failed to qualify for the tournament, while Northeastern and Yale will be making their first NCAA tournament appearances since 1994 and 1998 respectively.

Michigan will be making its 19th consecutive NCAA appearance, the longest active streak, and the Wolverines now tie Minnesota for most overall tournament appearances with 32. Michigan also has won the most NCAA championships with nine, but Red Berenson's team hasn't won a title since 1998. A pair of consecutive appearance streaks was broken when Minnesota (8) and Boston College (6) didn't qualify for the field of 16.

Regional play begins Friday and Saturday in Bridgeport, Conn. (East Regional), Grand Rapids, Mich. (Midwest), Manchester, N.H. (Northeast) and Minneapolis (West). By next Sunday night the Frozen Four field will be determined and then played at Washington, D.C.'s Verizon Center on April 9 (ESPN2) and 11 (ESPN).

The conference breakdown for the tournament has four teams from the CCHA and Hockey East, three teams from ECAC and the WCHA and one each from Atlantic Hockey and College Hockey America.

Boston University (31-6-4) comes into the NCAA tournament on a 20-2-3 run since the calendar turned to January. And the Terriers are 13-0-2 in their last 15 games on the road or at neutral sites, with the last loss away from Agganis Arena coming way back on Nov. 14 at UMass in Amherst.

All of which would make anything but a deep run in the NCAA tournament for Boston University, which hasn't won a national title since 1995 or made an appearance in the Frozen Four since 1997, a bitter pill to swallow. In order to play on the final weekend of the college hockey season, the Terriers will need to beat Ohio State and then the winner of North Dakota-New Hampshire -- keeping in mind that the Fighting Sioux have made four consecutive Frozen Four appearances and that the Northeast Regional is being played at the Wildcats' home away from home in Manchester.

"If we don't get to the Final Four, if we don't have a chance to win something bigger I think this still might be a bit of a disappointing season because comparatively speaking we're pretty good vis a vis the rest of the nation," BU coach Jack Parker said. "But unfortunately right now we're not playing as well as we were playing a month ago and that's what I'm concerned about."

David Albright covers college sports for ESPN.com and can be reached at espncaa@gmail.com

Marcus Jordan

Michael Jordan's son leads team to state title

Michael Jordan celebrates his son's championship.

Marcus Jordan, son of Bulls' six-time champion, scored a game-high of 19 points, to lead Chicago's Whitney Young to a 69-66 victory over Waukegan in Illinois Class 4A championship this past Saturday.

Marcus Jordan and his teammates celebrated on the court after the final buzzer, Michael Jordan, clapping his hands with tears in his eyes.

Michail Jordan said in response to reporter's question. Crying. Not for me, anyway."

Marcus Jordan was the key down the stretch after his two teammates fouled out, hitting four for four free throws in the final three minutes to victory.

"Awesome," Marcus Jordan said. "Just awesome."

Co-owner of the Charlotte Bobcats, Michael Jordan, skipped his team's loss to Indiana, just so he could attend his son's game. And with out regret. Jordan's other son, Jeff Jordan, plays basketball for the University of Illinois.

Saturday, March 21, 2009

Panic Away




For a more in depth look into how to overcome panik attacks Click Here!

Wednesday, March 18, 2009

Clickbank

If you are looking for a really good optional way to make money on the internet, Clickbank can be that way.

Clickbank has paid out over $1 billion dollars in commissions as of this writing. And will continue to pay in the coming years.

ClickBank is surely a great way for both beginning and seasoned entrepreneurs to make money online. With so many thousands of products to promote, and such great commisions being paid out, we should all be taking advantage of this affiliate business program offered by Clickbank.

Also in the ranks with clickbank is the ClickbankMall, www.cbmall.com

The mall is great and is another option to clickbank. I have been using CBmall for quite some time and am very happy with the results.

Tweeting

Twitter is the fastest growing friend site ever to on the internet. With Twitter you can actually make an extra monthly income for yourself and your family. Sounds good huh.

Unless You Understand How
To Market on Twitter Properly, The
Chances of You Succeeding in Your Business
Are Very Slim...


You see, its not as simple as it looks. When I first got on Twitter 8 months ago, I thought it would be very easy to get traffic to my site and increase my online earnings. So I signed up, got lots of followers, and then just started making posts with my link, telling people to go to my website. (I thought that's all I had to do!)

I even got to the point where I had over 5,728 followers on one account! Now I bet you think that by having
5,728 followers, it would be dead easy to just make a post and get instant traffic to my website, right?

Not exactly. Click Here! and read a little more about how twitter can help you make a real income online.

Flex Jobs

Job fair to fill 200 positions
Kings County community college campus to host event

KENTVILLE — A job fair here today will introduce people seeking employment to about 200 positions available in the Kings County area, which has been hard hit by job losses over the past couple of months.

The Kings Community Economic Development Agency is hosting the fair at the Nova Scotia Community College’s Kingstec campus.

The full-day event starts with information sessions for job seekers between 8:30 a.m. and noon. Colby Clarke, a development officer with the agency, said the sessions will include information on employment insurance programs, health plan coverage and other issues facing people dealing with unemployment.

From noon to 7 p.m., more than a dozen employers with job openings will be on hand to let job seekers know about these positions.

"Some have a pretty significant number of jobs," Mr. Clarke said. "There are 200 positions available; that’s a pretty good number for these days."

The jobs include full- and part-time employment and seasonal work. Mr. Clarke said even a six-month job could be enough to give some people the "buffer zone" they need for better EI benefits.

Employers with jobs on offer include Larsens, Frito Lay, call centre Online Support, seniors facilities, and some trades.

He said a group of seniors facilities is also receiving funds to train continuing care assistants.

"We’re doing what we can so people are aware of the options that are out there," Mr. Clarke said.

He said the last time the agency held a job fair like this was two years ago, when Maple Leaf Foods closed its chicken-processing plant in Canard.

More than 700 people turned out for those sessions.

This one was organized in the wake of more job losses in the Valley.

About 300 people lost their jobs last month when ACA Cooperative closed its Eastern Protein chicken plant in Kentville and cut more jobs at its main plant in New Minas. KLJ Field Services, a Windsor call centre, closed at the cost of 90 jobs and Michelin laid off 95 flex workers at its Waterville plant.

CardTrak.com

Avoid Paying More, Stay In The Know About Credit Card Matters

Posted on March 16th, 2009
Read 281 times.

The current economic crisis is having a measurable affect on credit card companies, causing the industry as a whole to make changes as they struggle to maintain fiscal health and viability. What that means for the consumer is they will have to be vigilant in watching for how those changes will affect the cost of their credit.

According to a recent CNNMoney.com report, Capital One, a major credit card issuer, its number of loans that it doesn’t expect to be able to collect rose significantly during the month of January, a trend that most credit card issuers have been seeing. With personal bankruptcy on the rise, according to data from CardTrak.com, “rising 29% from one year ago and 11% sequentially,” it comes as no surprise that credit card issuers are seeing more delinquent accounts and feeling the pain of decreased revenue as consumers simply spend less.

In fact, according to a March 16, 2009, report in the Daily Herald, “Discover follows rival credit-card lender American Express Co. in becoming a bank so it could gain access to federal rescue funds.” Discover is said to have received “about $1.2 billion in cash from the Treasury to boost liquidity.”

These poor credit card performance numbers mean that credit card companies feel hard-pressed to make changes to try to cover losses and lower revenues. And, typically, those changes involve increasing the cost of credit, particularly for struggling consumers that under the strain of the current economic situation, including such factors as rising unemployment and a higher cost of living, may have seen a once strong credit rating fall downwards towards the bad credit category.

However, even those with good credit, people making their payments on time, are starting to feel the pinch as credit card companies change policies and rates seemingly out of the blue. That is why it is so important to keep up to date with credit card matters. An informed consumer won’t be caught by surprise with changes in rates, fees or other terms and conditions and also will know how to respond if such issues arise.

For example, according to a recent SmartMoney.com article republished on Yahoo Finance, “risk-averse card issuers are getting slash happy. And while many cardholders gripe that such cuts slice razor-close to their balance amounts, for an unfortunate few the cuts go far deeper: below what they currently owe.” As pointed out in the article, “Federal Reserve rules requiring lenders to give cardholders 45 days notice before reducing a credit line to the point that it would trigger penalties won’t go into effect until July 2010,” making this sort of fee-harvesting behavior perfectly legal right now.

On March 15, 2009, USA Today reported that “a growing number of banks are raising credit card fees or rolling out new fees to offset record delinquencies and rising charge-offs.” Many credit card companies have increased late fees and some have added fees to cards with a low interest rate, including Chase, which recently tagged a $120 fee onto some of its low interest cards.

Chase also has added a $10 per month fee to consumers carrying large balances and not paying them down at a sufficient rate and has raised the monthly minimum payment from 2 percent to 5 percent of the balance. Wells Fargo customers using their credit cards at a branch bank to get cash will now pay $20, and the ATM fee to do so will increase from $5 to $10. A Citigroup cardholder can see their interest rate shoot to almost 30 percent if they miss just one payment. Stories of surprise interest rate hikes on customers that haven’t even missed or been late with a payment are numerous.

Those are just a few of the current changes in credit card fees, rates, terms and conditions and consumers can probably expect more in the near future. If a sudden change does occur, one that a consumer believes is unjustified by their repayment performance and credit standing, a consumer can call the credit card company and try to negotiate more favorable terms, presenting their individual case. Even though times are tough in the credit card industry, a consumer who takes the time to contact their credit card company, working their way up the supervisor and account managing latter if need be, still stands a good chance at coming out with a favorable outcome.

These sometimes abrupt credit card term and condition changes have not gone unnoticed by lawmakers already casting a watchful eye on how credit card companies operate. As reported in the LA Times on March 15, 2009, “since the beginning of the year, millions of credit card customers have been hit with higher interest rates — in many cases from lenders that have received billions of dollars in bailout cash from taxpayers. Sen. Bernie Sanders, a Vermont independent, responded last week with legislation that would impose a 15% cap on rates for all consumer loans, including plastic.”

Knowing what is going on in the credit card industry is especially important these days, as credit card companies throughout the nation try to recoup their losses and reduced revenue from the consumer, often through practices that many find unfair, even abusive. Keep a close eye on your statements and carefully read any communication you receive from your credit card company. Take prompt action if you feel you are being treated unfairly and don’t be afraid to demand to speak supervisors, working your way up the chain of command as high as you need to. Being an informed consumer can save you money.

Suzan Lewis

Suzan likely related to Jerry Lewis' son


Last update: 7:22 p.m. EST March 5, 2009
NEW YORK, Mar 5, 2009 (UPI via COMTEX) -- DNA results indicate an 88.7 percent probability that Suzan Lewis is related to singer Gary Lewis, oldest son of U.S. entertainer Jerry Lewis.
The results revealed on Thursday's "Inside Edition" program come years after Suzan has tried to get Jerry Lewis to acknowledge her as his biological daughter.
To help her find out, Jerry's son Gary agreed to a DNA request by "Inside Edition" to test the claims of Suzan Lewis.
Gary Lewis told the TV show that since meeting her several years ago, he has always believed that they shared a father. Suzan's late mother claimed she had an affair with the comedy star, which resulted in her birth in 1952.
Jerry Lewis, who recently received an Oscar for his humanitarian work, has never publicly acknowledged Suzan as his daughter and declined comment for an "Inside Edition" report last month on her paternity claims.
Gary Lewis told the program he agreed to the test because he "thinks everybody deserves to know where they came from and who they are."
MarketWatch

Tuesday, March 17, 2009

Owen Benjamin Christina Ricci Engaged!

Inside Christina Ricci's Crazy Engagement Party!

Christina Ricci's gonna need an incredibly small bridal gown tailored to fit her diminutive size—as we've exclusively learned that the actress is engaged to her comedian boyfriend Owen Benjamin. (Calls to her reps, asking for official confirmation, have not yet been returned.)

The two babes of way disproportionate height met on set of their movie All's Faire in Love and went public with their relationship last October. Might seem pretty quick to get hitched, but not in T-town!

Congrats to the cute couple! Now check out the deets of their engagement party, and how Ricci couldn't keep her cool at her own celebration:

Our source was partying at the Palihouse in West Hollywood last Saturday night with his pals next door to the Ricci/Benjamin bash. He briefly spoke to Owen himself, who confirmed it was his engagement party, while Ricci and the couple's cohorts were in the room engaging in all types of typical late-night H-wood hotel room behavior.

Our source lost an amigo at his shindig, and called the dude's phone looking for him. Looks like somebody snuck into the wrong fete, since it was Christina Ricci who answered on the other line!

Acting out-of-it from indulging in silliness more appropriate for a bachelorette party, not an engagement soiree, CR started screaming she would "call the f—-cking cops" if our source kept calling her—even 'tho it wasn't her phone! Who knew such feisty things came in tiny packages?

Eventually our source's friend returned, confirming an oddly behaving Christina indeed snatched his cell—which she eventually gave back. Maybe she learned a thing from Lindsay nabbing that fur coat?

He was super pissed, but we think it's hysterical. Good luck with that, Owen!

—Additional reporting by Becky Bain

iphone 3.0 Release Date

Apple Brings Copy/Paste To iPhone In 3.0 Update


By Kevin McLaughlin, ChannelWeb
3:01 PM EDT Tue. Mar. 17, 2009
Apple (NSDQ:AAPL)'s latest iPhone software update gives users the ability to cut, copy and paste text within applications, but the release will also open up new revenue-generating opportunities to the growing legions of iPhone developers.

In a press event held Tuesday at Apple's Cupertino, Calif.-based headquarters, executives offered a look at some of the more than 1,000 new APIs in the iPhone 3.0 software development kit, which opens new avenues for applications that use streaming audio, and video, maps and games.

Greg Joswiak, vice president of product marketing for iPods and iPhones, said Apple sold 13.7 million iPhones in 2008, and there are 17 million iPhones currently in use. He also revealed that Apple has sold 13 million iPod Touch devices to date, which pushes the total of Apple multitouch devices to 30 million.

With around 800 million apps downloaded to date, the App Store's runaway popularity shows no signs of slowing. More than 50,000 companies are currently enrolled in Apple's iPhone Developer Program, and 80 percent of them are newcomers to the mobile application development space, Joswiak said.

Apple developers have been clamoring for alternative sales methods, and with the iPhone 3.0 SDK, they'll be able to create apps that let users purchase new content -- such as additional game levels -- from within an application, said iPhone software vice president Scott Forstall.

For example, developers can build geographic applications that include regional "city packs," Forstall said. The revenue split for purchases taking place with applications will be the same as with the App Store: 70 percent for developers, 30 percent for Apple.

iPhone 3.0 also includes an API that enables developers to embed multitouch-enabled maps into their applications; a new API for streaming audio and video; and an API for voice audio in games, according to Forstall. iPhone 3.0 also brings Spotlight's global search capabilities to the iPhone for the first time.

Apple has spent the last six months completely redesigning the server for push notifications, another new feature in iPhone 3.0 that makes it possible to push badges, text and sounds, Forstall said. Push notifications, which Apple was expected to include last September in the iPhone 2.2 update, enables iPhone apps to continuously receive messages from the network, even when they're not running.

The iPhone 3.0 developer beta is available now, and Apple will release iPhone 3.0 sometime this summer as a free update for iPhone 3G users. iPod Touch users will have to pay $9.95 for the iPhone 3.0 update.

time out new york

Natasha Richardson Brain Dead, Say Multiple Reports (UPDATED)

RSS Huffpost - Natasha Richardson Brain Dead, Say Multiple Reports (UPDATED) Share this on Facebook stumble digg reddit del.ico.us ShareThis

Huffington Post | Katherine Thomson | March 17, 2009 04:00 PM

UPDATED 5 PM:
Hours after reports that Natasha Richardson suffered a serious brain injury while skiing, Time Out New York, Fox News and the NY Post claim that she is brain dead, which TMZ refutes.

Richardson is currently en route to New York from Canada via private jet, her second hospital transfer in 24 hours. The flight has been confirmed by the AP and a hospital spokesman.

Fox claims she is coming home to then be taken off life support and allowed to die:

Sources close to Tony-award winning actress Natasha Richardson tell FOXNews.com that the 45-year-old actress is brain dead, and being transported back to New York City before she is to be taken off life support.

They had no official confirmation, but at 12:39 TONY wrote that she is brain dead, although alive:

Although public reports have not yet confirmed it, sources close to Richardson's family and friends say they have already been told the awful news: She will not survive the accident, and is currently brain dead.

The NY Post reports:

Actress Natasha Richardson is brain dead, after falling in a ski accident in Canada, friends told The Post today.

The TONY updated their story at 1:58 with a clarification about their initial RIP headline, seen below:

TONY's sources have clarified the situation: Richardson is brain dead but has not passed away. Sources close to the family indicate that they are treating it as a death. We will update you on this sad story as circumstances warrant. We apologize to the family and to our readers.

TMZ, however, hears differently:

The hospital tells TMZ Richardson is sedated and suffering from brain swelling -- but is not brain dead.

Retention Bonus

2nd UPDATE:73 At AIG Received Bonuses Of $1 Million Or More - NY AG

(Adds White House comment, comment from AIG spokesman beginning in ninth paragraph.)

By Chad Bray

Of DOW JONES NEWSWIRES

NEW YORK -(Dow Jones)- New York Attorney General Andrew Cuomo said Tuesday that American International Group Inc. (AIG) granted retention bonuses of $1 million or more to 73 people in its AIG Financial Products subsidiary, including 11 who no longer work at the company.

In a letter to House Financial Services Committee Chairman Barney Frank on Tuesday, Cuomo said the top 10 bonus recipients combined received $42 million, with the top recipient getting more than $6.4 million.

Cuomo has blamed the unit for the insurer's near collapse last year. The attorney general said 11 people who have left the company received retention bonuses of $1 million or more, with one person getting $4.6 million.

"Again, these payments were all made to individuals in the subsidiary whose performance led to crushing losses and the near failure of AIG," Cuomo said in the letter. "Thus, last week, AIG made more than 73 millionaires in the unit which lost so much money that it brought the firm to its knees, forcing taxpayer bailout. Something is deeply wrong with this outcome."

On Monday, Cuomo subpoenaed AIG seeking details on who received retention bonuses in the financial products unit and copies of the contracts underlying the bonuses. In his letter, Cuomo said AIG has refused to provide the names of those who received bonuses.

Over the weekend, news surfaced that AIG had paid $165 million in retention bonuses to individuals in the financial products unit on Friday.

The $165 million is the latest installment of a retention program that is slated to pay the unit's employees about $450 million. AIG had previously paid out $55 million, and an additional $230 million is pending for 2009.

The bonuses have sparked outrage on Capitol Hill and among taxpayers.

On Tuesday, the White House said it is looking into "all remedies" to recoup the bonuses after President Barack Obama denounced the payouts on Monday.

"This is a corporation that finds itself in financial distress due to recklessness and greed," Obama said Monday. "Under these circumstances, it's hard to understand how derivative traders at AIG warranted any bonuses, much less $165 million in extra pay."

Frank, D-Mass., told reporters in Washington on Tuesday that the U.S. government, which now controls an 80% equity stake in AIG, should assert its ownership of the insurer in order to block the retention payments. Frank said the government had a better chance of prevailing in court if it acted as an owner, rather than as a regulator intervening in the private sector.

Frank's committee is expected to hold a hearing on the AIG bonuses on Wednesday.

AIG has said it is contractually obligated to pay the bonuses and will make efforts to reduce the retention payments by at least 30% in 2009. The bonuses were negotiated in the first quarter of 2008 when the financial products business was expected to have a "significant ongoing role" at AIG, Chief Executive Edward Liddy said in a letter to Treasury Secretary Timothy Geithner on Saturday.

"We understand the Attorney General's concerns, are in ongoing contact with the Attorney General and will respond appropriately to the subpoena," AIG spokesman Mark Herr said in a statement. "In the meantime, the Financial Products unit continues to work diligently to unwind operations and has made significant progress in doing so."

The insurer has accepted more than $170 billion in U.S. government funding, and government officials have said they may have to pump more money into the insurer if the economy continues to worsen. Earlier this month, it reported a $ 61.7 billion fourth-quarter loss.

In his letter Tuesday, Cuomo said the contracts his office has reviewed contained a provision that required most individuals' bonuses to be 100% of their 2007 bonuses.

"Thus, in the spring of last year, AIG chose to lock in bonuses for 2008 at 2007 levels despite obvious signs that 2008 performance would be disastrous in comparison to the year before," Cuomo said. "My office has thus begun to closely examine the circumstances under which the plan was created."

Cuomo also said AIG was able to bargain with some of its financial products employees, with those employees taking salaries of $1 in 2009 in exchange for their retention bonus packages.

"The fact that AIG engaged in this negotiation flies in the face of AIG's assertion that it had no choice but to make these lavish multi-million dollar bonus payments," Cuomo said. "It appears that AIG had far more leverage than they now claim."

-By Chad Bray, Dow Jones Newswires; 212-227-2017; chad.bray@dowjones.com

(Jessica Holzer and Henry J. Pulizzi contributed to this report.)

Natasha Richardson Skiing Accident

Natasha Richardson hurt in skiing accident

Actress believed to be hospitalized in Montreal

By Etan Vlessing


TORONTO -- Natasha Richardson is in a Montreal hospital after suffering head injuries during a ski accident, Canadian media reported Tuesday.

Richardson’s husband, Liam Neeson, left a Toronto movie shoot for Atom Egoyan's "Chloe" to be at her side in Montreal, the CTV network reported.

Richardson suffered her injuries while skiing at Mont Tremblant in Quebec and is believed to be at the Hospital du Sacre-Coeur in Montreal.

"We know that she has had an accident but we really do not know any more details," said Kika Markham, who is married to Richardson's uncle, Corin Redgrave. "We are very concerned."

Mont Tremblant said Richardson fell on a beginners trail during a ski lesson and later reported not felling well.

The ski resort said the ski instructor and a ski patrol accompanied Richardson to her hotel, where they again recommended she should be seen by a doctor.

"Approximately an hour after the incident Mrs. Richardson was not feeling good," the statement said.

Mont Tremblant spokeswoman Catherine Lacasse said Richardson was getting a private lesson and that she said she was fine at first.

"An hour later she said she didn't feel well. She had a headache, so we sent her to the hospital," Lacasse said. "There were no signs of impact and no blood, nothing."

An ambulance was called and Richardson was brought to the Center Hospitalier Laurentien in Ste-Agathe and was later transferred to Hopital du Sacre-Coeur in Montreal. An employee at Hopital du Sacre-Coeur in Montreal said they didn't have a Richardson at the hospital after intiailly saying they did early Tuesday.

Richardson, 45, is the daughter of British actress Vanessa Redgrave and director Tony Richardson.

The Associated Press contributed to this report.

St. Patrick s Day

St. Patrick’s Day is for all of us

For the Journal-Constitution

Tuesday, March 17, 2009

“The truth shall set you free.” This biblical injunction was honored in the lives of Martin Luther King Jr. and Mahatma Gandhi. Although both men deserve immense gratitude for their contributions to freedom, another name deserves to be on that list: St. Patrick, the patron saint of Ireland, whose holiday is celebrated today throughout the world by people who often have little understanding of all that he stood for and accomplished.

As a teenager, Patrick was captured by Irish raiders and taken into slavery. In despair, Patrick turned to intense prayer as a means of achieving tranquility. Six years later he escaped his captors. Patrick’s suffering left him with a desire to end the practice of slavery and to spread the truths of his religion.

These convictions were so deep that he voluntarily returned years later to share his convictions with the Irish. Despite the fact that his letters express a concern for the victims of slavery, it is also likely that Patrick worked directly with the leaders of the slave trade to persuade them of the evils of their awful practice.

St. Patrick’s heroic story continues to resonate down through the ages over 15 centuries after his death. His battle to overcome slavery, oppression and personal hardship serves as a moral lesson for freedom-loving people everywhere. St. Patrick’s battle against slavery also reminds us how much the Irish have overcome on the way to achieving political freedom and their own cultural identity.

From 1641 to 1652, more than 550,000 Irish were killed by the English and 300,000 were forced to live as near slaves within their own country. Eventually Oliver Cromwell’s army completed the British colonization of Ireland.

Far from compromising their Irish heritage, however, the bitterness left by the Cromwellian invasion inspired a strong sense of Irish nationalism that endured for another three hundred years. Irish perseverance during the British occupation served as a ringing declaration of fortitude in the face of suffering.

The same fortitude and cultural cohesion also sustained the Irish during the massive emigration from their homeland that took place following the Great Irish Famine. In the mid-1840s, the potato crop that the Irish depended on as their main source of food was attacked by a terrible fungus. Two million people were swept away by disease and hunger. Another two million fled for the land of freedom, America.

Although they came for a life of abundance, they lived in squalor. As competitors for jobs, the Irish were hated by American workers. “No Irish Need Apply” was a sign that was so common it was often abbreviated as “NINA.” Since jobs outside of construction were hard to find, these impoverished Gaels lived in the crowded immigrant ghettos of the Northeast. Mortality rates were high. If the agrarian roots of the Irish scarcely equipped them for economic survival in American cities, their cultural heritage instilled in them a stubborn resistance to their new foes. They relied on solidarity to survive.

The Ancient Order of Hibernians, a nationalist society formed in Ireland, helped the Irish maintain a sense of their own pride and dignity. For Irishmen in nineteenth century America, celebrating St. Patrick’s Day was not just a way to escape the horrors of their existence in the New World, but a means of holding on to who they really were.

In fact, the holiday was celebrated with greater fervor here than in Ireland as Irish immigrants used it to boost their distinctive identity and morale.

Today, St. Patrick’s Day not only honors Irish contributions to America, but celebrates the glory of American diversity. Those who are not Irish are encouraged to join in the celebration as a reminder of the battle all newcomers face in finding their rightful place as Americans. St. Patrick’s Day belongs to the Italians, the African-Americans, the Jews, the Arabs, the Hispanics, the Germans, the Chinese and all other immigrants who have fought to win their own place under America’s sun.

St. Patrick’s pursuit of freedom epitomizes a basic American ideal, namely that an outsider, an outcast and even a one-time vagabond, by working hard and living responsibly, can achieve the American Dream.

Monday, March 16, 2009

Jon and Kate plus 8 season finale

The season finale of Jon & Kate Plus 8 is this coming Monday, March 23rd. The finale was mentioned in a commercial about a new show on TLC that will premiere after the finale.

But don't fret, the show will be back on next season. The question remains, Why did TLC show clips that made it seem that their was going to be a break-up.

Is that true, will Jon and Kate be separating? Or is TLC just making things seem worse than they really are?