Everybody is aware of the dangers of smoking. It is absolutely damaging to the human body. While carcinogens in cigarettes pose a hazard to everyone, women are three times as likely as men to get aggressive forms of lung cancer and more likely to develop it at an earlier age. Women are also more likely to die of lung cancer than breast cancer.
Quitting smoking is easier said than done. And women, it turns out, have an even harder time quitting than men. Stronger withdrawal symptoms may be attributed to hormones or the bigger nicotine dose absorbed by smaller female bodies. Regardless of women's age, the dangers of smoking contribute to infertility, anxiety, blindness, and osteoporosis. Pregnant women who smoke risk not only their health but their babies' as well. Second hand smoke affects the children and other people around mothers who smoke.
Smoking is a vice that almost always begins during adolescence. When teenagers finish from high school without ever smoking regularly, they probably never will. However, while boys and girls are equally likely to start smoking, the latter get the worse health complications. Young people may exhibit symptoms of addiction within a few days or weeks right after they started smoking.
While cigarette smoking was rare in women during the beginning of the 20th century, the tobacco industry realized the potential of women as a market for the expansion of the cigarette industry. In fact, tobacco companies launched the campaign slogan "Instead of a sweet, reach for a smoke" to encouraged women to smoke so as not to gain weight. This was followed by “You've come a long way, baby” as a tribute to the burgeoning women's liberation movement.
These marketing campaigns not only depicted women smokers as beautiful, independent and fun, but also sent subliminal messages that smoking helps women control their weight. Cigarette ads are banned in kids and teens magazines but billion of dollars are spent on t.v., billboards, and adult magazines which can easily be accessed by the youth.
Since 1987, lung cancer has surpassed breast cancer as the leading cause of cancer deaths among women in the United States. About 87% of all lung cancer cases in America is directly attributed to smoking. Smoking causes heart disease, which is the number one killer of women in the U.S. The dangers of smoking contribute to respiratory diseases such as emphysema and chronic bronchitis, as well as many kinds of cancer.
Women who smoke also harm their appearance as smoking speeds up the aging process and produce more facial wrinkles, gum disease, dental decay, and halitosis. Mental health is also affected due to depression and anxiety disorders. Women are more likely to be depressed than non-smokers, and that women with anxiety disorders are more likely to smoke.
Some women, however, are finding creative ways to break the habit for good. Engaging in activities where smoking wouldn't fit, such as exercising, biking, mountain-climbing, as well as turning to a non-smoking lifestyle that includes going to smoke-free places with your kids.
The dangers of smoking for women has increased attention and awareness from women's organizations, resulting in a number of projects that focus on supporting tobacco cessation efforts specifically for women.
A Guide Using Self-Hypnosis, Cognitive Behavior Therapy, Dialectical Behavior Therapy & Self-Care click on stop smoking with hypnosis for more information.
Wednesday, February 24, 2010
Option Trading – Thinking “Outside The Box”
Wouldn't it be great if we could buy an option with five months left until expiration and sell an option with 2 months left until expiration for the same price? You couldn't lose. Well we can't. I love options spreads so much I realized something very important.
We can buy a spread that has a lot of time value left at almost the same price as we can sell one with less time value left. The reason really opened my eyes and gave me new insight into options. Here is what I came to realize.
I started comparing how expensive options were in relation to the other strike prices in the same month and to the other months. I wanted to know based on the price per day which options were more expensive.
The first 1 or 2 option months, as everyone knows loses time value quickly. The at the money strike prices are very expensive compared to the out of the money strike prices. Since there is not that much time left, how much can they charge for an out of the money option? Not much.
The next several months, the opposite is true. Compared to each other, the strikes that are closer to the money are cheaper in terms of price per day than the options further out of the money. Let me explain it another way using the S&P market.
6 days left at the money option cost 12 points
6 days left out of the money option cost 2 points
70 days left at the money option cost 43 points
70 days left out of the money option cost 29 points
There is more than 10X the time left but the 70 day at the money option (43 points) is only less than 4X the price than the 6 day at the money option (12 points).
The 70 day out of the money option (29 points) is almost 15X the cost of the 6 day out of the money option (2 points) but only has 10X the time value. We will buy the cheaper per day options and sell the more expensive per day ones.
Sell 6 day at the money and sell 70 day out of the money. Buy 6 day out of the money and buy 70 day at the money. This will be done for a 4 point debit. We are now buying a spread that has 10X more time value than the one we are selling and are only paying 4 points for it.
When the 6 day options expire we can sell the next month to take in more premium, still keeping the 70 day option spread.
What goes up, must come down! We have all heard this before in reference to the laws of Gravity. We have laws in the commodity markets as well. What comes down, must go up! The greatest traders of our time like Warren Buffet know this. He is perhaps the greatest Stock trader ever. He had never traded commodities until a few years ago. He bought silver in the futures market. When the market went even lower he bought more.
The “smart money”, commercials will not be scared into selling when a market they have purchased drops even further. They know better than anyone that a commodity has real value and will always be worth something.
There is a famous book, “You Can't Lose Trading Commodities”. The author buys commodities and then just waits for the market to go higher. He would purchase more as the market fell.
You need a big bankroll for this. Personally I know corn won't go to $1.00 but what if it did? I want to minimize the risk in case I want to end the trade.
I started trading the Soy Complex this way several years ago. Not with options. Strictly futures. I bought what was similar to a crush spread. I increased the contracts as the market went against me until the spread rebounded a little. Since I increased the contracts I didn't need the market to come back to where I started. It only had to rebound to the next level.
Black Jack players did this until Casinos caught on and put limits on bets. It is a known fact that futures traders make good gamblers and professional gamblers make good futures traders. I am against gambling but even gambling done with a system is not really gambling.
These card players would bet something like this: $5 lose, $10 lose, $20 lose, $40 lose, $80 win. The losses add up to $75. They would win $80, so the profit is $5. Not a lot, but they would do this all day. Black Jack is just under 50% probability for the player.
The problem is there is a slight chance that you could lose 40 times in a row. Now with Commodities we have a 50% probability and we won't lose 50 times in a row because the market can't go below zero.
Now before I go any further, I need to tell you that I am not recommending you double down on your trades. What you can find are markets that are near their lows where you can do a small scale trade. Spreads offer even better opportunities. They have a closer range (high to low).
By now you can see we only use this to go long a market since we can never be sure how much a market can go higher. First we need to find a market that is low already so we won't have to wait that long and also so there will be less capital needed.
I prefer to trade this using options. There are many ways to do this. You could buy an option in a market like soybeans and choose how many cents the market will drop before you buy more. The problem is, an option is a wasting asset. The Theta (time decay) would cause you to lose money.
I use spreads so I am not paying for time decay. I will probably sell more Theta than I buy, so if the market does nothing I will make money just on time decay.
Learn Stock Trading Tips Here
We can buy a spread that has a lot of time value left at almost the same price as we can sell one with less time value left. The reason really opened my eyes and gave me new insight into options. Here is what I came to realize.
I started comparing how expensive options were in relation to the other strike prices in the same month and to the other months. I wanted to know based on the price per day which options were more expensive.
The first 1 or 2 option months, as everyone knows loses time value quickly. The at the money strike prices are very expensive compared to the out of the money strike prices. Since there is not that much time left, how much can they charge for an out of the money option? Not much.
The next several months, the opposite is true. Compared to each other, the strikes that are closer to the money are cheaper in terms of price per day than the options further out of the money. Let me explain it another way using the S&P market.
6 days left at the money option cost 12 points
6 days left out of the money option cost 2 points
70 days left at the money option cost 43 points
70 days left out of the money option cost 29 points
There is more than 10X the time left but the 70 day at the money option (43 points) is only less than 4X the price than the 6 day at the money option (12 points).
The 70 day out of the money option (29 points) is almost 15X the cost of the 6 day out of the money option (2 points) but only has 10X the time value. We will buy the cheaper per day options and sell the more expensive per day ones.
Sell 6 day at the money and sell 70 day out of the money. Buy 6 day out of the money and buy 70 day at the money. This will be done for a 4 point debit. We are now buying a spread that has 10X more time value than the one we are selling and are only paying 4 points for it.
When the 6 day options expire we can sell the next month to take in more premium, still keeping the 70 day option spread.
What goes up, must come down! We have all heard this before in reference to the laws of Gravity. We have laws in the commodity markets as well. What comes down, must go up! The greatest traders of our time like Warren Buffet know this. He is perhaps the greatest Stock trader ever. He had never traded commodities until a few years ago. He bought silver in the futures market. When the market went even lower he bought more.
The “smart money”, commercials will not be scared into selling when a market they have purchased drops even further. They know better than anyone that a commodity has real value and will always be worth something.
There is a famous book, “You Can't Lose Trading Commodities”. The author buys commodities and then just waits for the market to go higher. He would purchase more as the market fell.
You need a big bankroll for this. Personally I know corn won't go to $1.00 but what if it did? I want to minimize the risk in case I want to end the trade.
I started trading the Soy Complex this way several years ago. Not with options. Strictly futures. I bought what was similar to a crush spread. I increased the contracts as the market went against me until the spread rebounded a little. Since I increased the contracts I didn't need the market to come back to where I started. It only had to rebound to the next level.
Black Jack players did this until Casinos caught on and put limits on bets. It is a known fact that futures traders make good gamblers and professional gamblers make good futures traders. I am against gambling but even gambling done with a system is not really gambling.
These card players would bet something like this: $5 lose, $10 lose, $20 lose, $40 lose, $80 win. The losses add up to $75. They would win $80, so the profit is $5. Not a lot, but they would do this all day. Black Jack is just under 50% probability for the player.
The problem is there is a slight chance that you could lose 40 times in a row. Now with Commodities we have a 50% probability and we won't lose 50 times in a row because the market can't go below zero.
Now before I go any further, I need to tell you that I am not recommending you double down on your trades. What you can find are markets that are near their lows where you can do a small scale trade. Spreads offer even better opportunities. They have a closer range (high to low).
By now you can see we only use this to go long a market since we can never be sure how much a market can go higher. First we need to find a market that is low already so we won't have to wait that long and also so there will be less capital needed.
I prefer to trade this using options. There are many ways to do this. You could buy an option in a market like soybeans and choose how many cents the market will drop before you buy more. The problem is, an option is a wasting asset. The Theta (time decay) would cause you to lose money.
I use spreads so I am not paying for time decay. I will probably sell more Theta than I buy, so if the market does nothing I will make money just on time decay.
Learn Stock Trading Tips Here
Sunday, February 21, 2010
Hearings aids for home living
There are a number of products which can be purchased to make living at home easier for the hard of hearing. Below are examples of such products.
Wake up alarms
Door lights
Smoke Alarms
Phone signallers
Alarms to wake up the user
It is common practice to remove hearing aids at night prior to sleeping. It may therefore be necessary to have an alarm clock which caters for the heard of hearing. Such alarms use different systems to wake the user including flashing lights, vibration and loud sounds. Depending on the users level of hearing one of the systems may be more suitable than the other. The vibrating system can be placed under the pillow or mattress.
Door Alarms to signal a visitor.
If the user hearing aids are of or turned down then a door alarm will be required. The most common system uses lights to make the user aware of a visitor. Other systems are wireless and use a pager to inform the user that they have a visitor.
Smoke Alarms
Smoke alarms are a very important safety feature that will emit a very loud sound or flashing lights to inform the user of the danger. A single alarm can be connected to several receivers, which can be placed in all the rooms of the house to inform the user wherever they are. Such systems can be installed professionally or purchased in a plug in form.
Telephone Phone Signallers
To inform the user that the telephone is ringing a phone signallers can be installed which operates by a flashing light or very loud ringing. The system is connected to the telephone line and then connecting a light to the signaller, which then flashes when a call is received. Remote systems are also available to transmit the phone signal to other rooms.
Hearing Aid Styles
How To Clean Hearing Aids
Wake up alarms
Door lights
Smoke Alarms
Phone signallers
Alarms to wake up the user
It is common practice to remove hearing aids at night prior to sleeping. It may therefore be necessary to have an alarm clock which caters for the heard of hearing. Such alarms use different systems to wake the user including flashing lights, vibration and loud sounds. Depending on the users level of hearing one of the systems may be more suitable than the other. The vibrating system can be placed under the pillow or mattress.
Door Alarms to signal a visitor.
If the user hearing aids are of or turned down then a door alarm will be required. The most common system uses lights to make the user aware of a visitor. Other systems are wireless and use a pager to inform the user that they have a visitor.
Smoke Alarms
Smoke alarms are a very important safety feature that will emit a very loud sound or flashing lights to inform the user of the danger. A single alarm can be connected to several receivers, which can be placed in all the rooms of the house to inform the user wherever they are. Such systems can be installed professionally or purchased in a plug in form.
Telephone Phone Signallers
To inform the user that the telephone is ringing a phone signallers can be installed which operates by a flashing light or very loud ringing. The system is connected to the telephone line and then connecting a light to the signaller, which then flashes when a call is received. Remote systems are also available to transmit the phone signal to other rooms.
Hearing Aid Styles
How To Clean Hearing Aids
Friday, February 19, 2010
Living With an Alcoholic
When you live with an alcoholic the situation can range from instability to physical abuse. At the least you will constantly be on edge because the alcoholic you live with is so unpredictable. You don't know what to expect. You don't know if the alcoholic will come home drunk or if he or she will come home at all. The one thing you do know is counting on an alcoholic is not a good idea. And living with an alcoholic is very taxing on the non-drinker because it is so all-consuming and stressful, and wears tremendously on your self esteem. If you live with an alcoholic for any length of time, chances are you don't have your own life anymore.
The person living with the alcoholic needs to understand that an alcoholic with a true addiction to alcohol is unable to stop drinking because of a physical and psychological addiction. This is very real and makes alcohol a formidable adversary. The alcohol is running the show, not the drinker and this is what normal people don't grasp. Alcoholism is chronic, meaning it never goes away. Even when an alcoholic stops drinking for good, it still lurks in the background somewhere. In spite of that, with help, many drinkers can successfully stop.
In A.A. literature there is a statement that people view the alcoholic with mingled pity and contempt. The assumption by normal people is that alcoholism is a moral deficiency or weakness of character. Closer to the truth is alcoholism is probably genetic, and combining genes with an environment that promotes alcohol, the resulting alcoholism is almost inevitable.
So here you are. You are living with an alcoholic. What are your options?
First, know the fact is that the percentage of alcoholics who recover without help is very low, probably in the single digits, and few can pull it off. In addition to that, it has been proven time after time that the alcoholic will be unable to stop drinking for you, his or her family or anyone else. They have to get help and they have to stop for themselves. Until they reach this point the drinking will continue.
If you elect to stick it out you can attend meetings for codependents in your area that exist to teach you how to stop covering for your alcoholic and how to distance yourself from your alcoholic's behavior and get on with your life.
So when will the drinker you live with stop drinking? Getting help is always the first step.
You can stop drinking and it doesn't have to be painful. Visit us at:
http://HowIStoppedDrinking.org
Living with an alcoholic is very taxing on the non-drinker because it is so all-consuming and stressful, and wears tremendously on your self esteem. Visit http://www.livingwithanalcoholic.org for some dos and don'ts
Thursday, February 18, 2010
Quit Smoking By Hypnosis
Smoking is one of the most addictive behaviors a person can have. It is said that even if a pack a day smoker manages to quit for a few years, the tendency to return to the habit is quite big. All he has to do is take one drag and the entire addiction is back again. Hypnosis is one of the many methods which can seriously help. A friend of mine once tried to quit smoking by hypnosis. With this short story of his experience, you can get some insight into what you expect your experience to be.
He was a pack a day smoker, for about 5 years or so. He actually needed the cigarette to feel calm and think straight. The urge to quit, finally, became larger than the urge to smoke, so he decided to give hypnosis a try. His experience was nothing short of astounding!
What he did was buy a Quit Smoking Mp3 from one of the popular online retailers. Burnt it on to a CD, put on some headphones and lay on his bed, waiting to be hypnotized. The first time he did it he fell asleep! The sessions tend to be a bit long, at around 45 minutes or so. There was no effect, so he made sure he stayed awake the next time.
So after he did it right, he started experiencing a very interesting mindset. He still wanted to smoke, he still knew he would enjoy the feeling of nicotine in his body, but he could not smoke! He would sometimes even put the cigarette into his mouth, but then he would put it back in its pack and keep it away. He said he was literally in two minds, one of them was a smoker and the other was not! And the non-smoker was stronger.
This only lasted for only about 4 - 5 hours or so. But this was because he listened to it just once. All hypnosis products recommend that it should be listened to at least for 10 days straight to have a long lasting effect. You should keep that in mind…
Stop Smoking With Hypnosis
Quit Smoking Hypnosis
He was a pack a day smoker, for about 5 years or so. He actually needed the cigarette to feel calm and think straight. The urge to quit, finally, became larger than the urge to smoke, so he decided to give hypnosis a try. His experience was nothing short of astounding!
What he did was buy a Quit Smoking Mp3 from one of the popular online retailers. Burnt it on to a CD, put on some headphones and lay on his bed, waiting to be hypnotized. The first time he did it he fell asleep! The sessions tend to be a bit long, at around 45 minutes or so. There was no effect, so he made sure he stayed awake the next time.
So after he did it right, he started experiencing a very interesting mindset. He still wanted to smoke, he still knew he would enjoy the feeling of nicotine in his body, but he could not smoke! He would sometimes even put the cigarette into his mouth, but then he would put it back in its pack and keep it away. He said he was literally in two minds, one of them was a smoker and the other was not! And the non-smoker was stronger.
This only lasted for only about 4 - 5 hours or so. But this was because he listened to it just once. All hypnosis products recommend that it should be listened to at least for 10 days straight to have a long lasting effect. You should keep that in mind…
Stop Smoking With Hypnosis
Quit Smoking Hypnosis
Monday, February 15, 2010
Business to Business Directory – Ways to Get Links and Traffic to Your Site Immediately
Business directory is mentioned when one refers to the Internet. Business to business directories are a great way of marketing your business as people today would rather use a directory as they provide relevant results with very little effort, especially online directories because you can enter your search term and see all of the relevant results listed.
Business directories are mostly useful for other businesses, when they are looking for services and products not available through their own business. But, even direct consumers find business directories to be useful, especially when they prefer to make direct online purchases from the most suitable seller. Business to business directories often restrict their listings to businesses in a specified region, making it even easier to find sellers near you. Many directories provide a search facility to narrow down the list of businesses displayed.
Now please understand that getting links to your site increases traffic and boosts your rankings in the search engines queries. In this short article I will explain what is a business to business directory, and methods I used for getting links to these directories:
A business to business directory, enables an association to publish their members’ business details in a searchable online directory accessible to the public.
1. Directory submission
If you don’t have time to do it your self, you should hire some one to do this for you, as this is the best and the safest way to increase your back links.
2. Link Exchange With Other Webmasters
This is a slow process and not always reciprocal linking is a good idea, cause search engines place more importance on one-way links than two-way links. Still, it can bring you valorous links, if you have what to exchange with.
3. Human Edited Directories for Better Rankings
Try and submit to a online business to business directory that is human edited and accepts family friendly websites at either no charge or at cheap rates. Most directory categories include arts, business, computers, reference and education, and all there’s of interest for the family. Submitting to a human edited directory means that the site owner does not accept junk directories and your site has a better change at receiving quality traffic and SE rankings.
4. Article Submission
Write articles like this one. You can see in the footer my bio-box, that has 1 to 2 links. As you can see, I am not writing the article for nothing!
Business to business directories are good to reach out and get found by other businesses. If you decide to primarily focus on business to business transactions, a business directory should be a good source of advertisement for you.
Submit your web site for review and inclusion to a fast growing free and paid web directory and increase your website backlinks, popularity and traffic. Below is a free and/or paid website directory that is new, very reliable, easy-to-use, 100% SEO friendly and popular!
Get your business listed for FREE or for as little as $1.00 at Top10 FREE Directory. Why wait to build traffic to your site when you can divert that traffic your way Today!
Friday, February 12, 2010
Get Off The Rat Race And Enroll In A Wealth Creation Education Program
Who does not want to be wealthy? The pursuit of wealth is a passion that drives many people. This is why many people in the corporate world burn themselves out as they run the rat race and climb the corporate ladder. This is why people with the most mediocre of talents would endure embarrassment just to make it big in show business. This is why people gamble at casinos or buy lottery tickets. These are the conventional paths that people take in order to strike at wealth.
There is no shortcut to being wealthy - or so the sages say. If you want to be wealthy, you have to work hard. But what if we prove the sages wrong and say that there is a shortcut to attaining riches? There is a proven way of earning money in such a way that you get to do the work only once. After you have done the work, all you need to do is to sit back and watch your earnings grow exponentially.
If you want to find out how this shortcut works, then you have to enroll in a wealth education program.
Why Enroll in a Wealth Creation Education Program?
Conventional wisdom teaches us that right after we graduate from school, we have to strive to get a good job that pays really well. Once we scored this job, we have to work hard to keep this job and to get promoted to a higher level until we reach the top level on the corporate ladder. After we retire from the careers we have built for ourselves, we can enjoy the fruits of our labor.
But why wait until we are 65 years old to enjoy life when we can do it much, much earlier? Life is a journey that must be done slowly and leisurely, or else we will miss out on the beautiful moments we could have savored along the way. Do we have to wait until we are 65 years old to be able to travel the world? Do we have to wait until retirement to be able to bask in the warmth of our families, to read the books that we want to read when we want to read them, to live our lives the way we had always wanted but could not because we are so busy with our jobs?
Life does not have to be the rat race. When you enroll in a wealth creation education program, you will find out the ways you can stop running the rat race and stroll along the path of life without having to worry about money.
Learn to Create Passive Income using a Wealth Education Program
There are many things you will learn when you get in a wealth education program, but the key idea is that you can be wealthy now and live the life you think you are supposed to live by developing passive income. Passive income is the fruit of work you will only do once and then enjoy for the rest of your life.
Stevn Miller is passionate about learning wealth creation strategies and financial freedom with millionaire Jamie McIntyre who owns 21st Century Academy and it’s group of companies. He is also passionate about teaching people to get a 21st century education, and be able to get out of the rat race, achieve financial independence, be successful and contribute more to society.
Read more topics on wealth creation and grab a best-selling law of attraction book from this blog today!
Wednesday, February 10, 2010
Credit Cards: What Do Psychologists Have to Say about It?
The number one rule when you are choosing a credit card deal is to consider your spending habits. You should always keep in mind where you like to shop, how much balance you usually carry on your plastic and whether you spend enough to qualify for those rewards and cash backs. So it is obvious, that your credit card choice depends on your spending habits. However, your spending habits are greatly influenced by credit cards.
Psychological studies have shown that consumer behavior of those using credit is different from those paying with cash. The following experiment was conducted at one of the American universities. Two groups of people were bidding on the same items. Members of one group could only bid with cash, the others were allowed to bid only with credit cards. The result of the experiment was quite interesting. Those who could bid with credit cards ended up making bets twice as high as those made by participants paying with cash.
That means that every dollar spent with a credit card equals 50 cents spent in cash. In other words, people shopping with credit cards spend twice as much as those shopping cash. Why does this happen?
Buying things is pleasant. Paying for them is not. Usually a consumer tries to find a balance so that the pleasure of having overweighs the pain of paying for it. When a credit card holder uses his or her plastic pleasant consumption transaction is disconnected from the unpleasant payment transaction.
Of course, you still have to pay for what you have bought. According to scientific data people dislike paying credit card bills even more than paying parking tickets. But still, people enjoy buying something with a credit card more.
Studies have shown that even a credit card logo on a catalogue or a debit card excites people. This is another wonderful way to increase sales and many merchants know that.
So are credit cards enticing you to overspend? Pretty much so. So are credit card-issuers to blame for the increased credit card debt? Well, that would not be quite fare to say so.
Even though a consumer seems to spend more with a credit card but most people are able to stop when they know they are about to exceed the limit. And we are not talking about credit card limit, but the limit they have set for themselves, something like ‘I won’t pay for a pair of shoes more than 100 bucks’. Credit cards might make you spend more but they do not force you to overspend.
Rather, high interest rates and fees and those unpleasant credit card bills make consumers stop. People do not like giving money, especially to banks. From this standpoint overspending is more likely to happen when shopping with cash than with a credit card.
Credit card deals can be very beneficial for consumers if used wisely. Of course, they sometimes make you to spend more, especially if you want to get a cash back or earn bonus miles. But the decision is always yours. You are the only one who can answer the crucial question – to spend, or not to spend…
credit card virtual terminal and merchant credit card machines
Psychological studies have shown that consumer behavior of those using credit is different from those paying with cash. The following experiment was conducted at one of the American universities. Two groups of people were bidding on the same items. Members of one group could only bid with cash, the others were allowed to bid only with credit cards. The result of the experiment was quite interesting. Those who could bid with credit cards ended up making bets twice as high as those made by participants paying with cash.
That means that every dollar spent with a credit card equals 50 cents spent in cash. In other words, people shopping with credit cards spend twice as much as those shopping cash. Why does this happen?
Buying things is pleasant. Paying for them is not. Usually a consumer tries to find a balance so that the pleasure of having overweighs the pain of paying for it. When a credit card holder uses his or her plastic pleasant consumption transaction is disconnected from the unpleasant payment transaction.
Of course, you still have to pay for what you have bought. According to scientific data people dislike paying credit card bills even more than paying parking tickets. But still, people enjoy buying something with a credit card more.
Studies have shown that even a credit card logo on a catalogue or a debit card excites people. This is another wonderful way to increase sales and many merchants know that.
So are credit cards enticing you to overspend? Pretty much so. So are credit card-issuers to blame for the increased credit card debt? Well, that would not be quite fare to say so.
Even though a consumer seems to spend more with a credit card but most people are able to stop when they know they are about to exceed the limit. And we are not talking about credit card limit, but the limit they have set for themselves, something like ‘I won’t pay for a pair of shoes more than 100 bucks’. Credit cards might make you spend more but they do not force you to overspend.
Rather, high interest rates and fees and those unpleasant credit card bills make consumers stop. People do not like giving money, especially to banks. From this standpoint overspending is more likely to happen when shopping with cash than with a credit card.
Credit card deals can be very beneficial for consumers if used wisely. Of course, they sometimes make you to spend more, especially if you want to get a cash back or earn bonus miles. But the decision is always yours. You are the only one who can answer the crucial question – to spend, or not to spend…
credit card virtual terminal and merchant credit card machines
Sunday, February 7, 2010
Easy Ways To Get Your Web Site Noticed by Search Engines.
Almost everyone knows that when a person wants to know something on the Internet they turn to search engines like MSN, and Google to find what they are looking for. This makes it very important for web site owners to know how to get their web sites ranked well on search engines, so that the people doing the searching can find their web site.
The first thing you should know is that the job of a search engine is to bring up the web page, that is most relevant to the search.
Search Engine Optimization isn't rocket science!
The job of the web site owner is to make their web site more relevant than other sites. The other job they need to do is make sure the web site gets submitted to search engines. Do those two things and you are getting some attention well needed from the search engines, the reward is free targeted traffic.
I wrote an my first article titled "The plug-in Profit Home Business Review." Now I didn't know too much about writing articles at the time so this happened to be dumb luck. After a few weeks I did a search to find that my article got placed on the first pages of MSN, GOOGLE and Yahoo, when I searched for "plug-in profit site"( E-Commerce business). Surprised to see that the article was ranked higher than hundreds of thousands of possible sites, I looked into the reason for my article's great success.
When you read the article you'll see that the article is extremely related to the plug-in profit home business site. The title after all was called "The Plug-in Profit Home Business Review." The content is all about the program and mentions the name of the program several times. To sum things up this is what made my article step in front of my competitors.
I soon applied my new found knowledge into my own web site. I built my web site around the keyword, "plug-in Profit site. I made the title of my home page "plug-in profit home business site" Now days you will see somewhere on the first pages of the search engines internet5kincome.com when a search for "plug-in profit" is done. You may even find my first article hanging around. This proves that content is still king when it comes to search engines! I will also add the title helps out a great deal too!
In my efforts I made a mistake on my web page, I created a link titled :"Can taking on-line serveys really make you money? Click here to find out".
Notice the misspelled word serveys. While the rest of the world spells surveys with a "U". I spelled this one word with an "E".
I am embarrassed to say it, but that mistake placed my site on page 1 when a person searched for "on-line serveys" this winning mistake brought a surprising number of free traffic.
I am amazed at how many people spell surveys with an "E"! (The mistake has been corrected, but it is something you should know!)
When experimenting with search engine optimization, or SEO for short. Track your web site's performance with a tracking service. I use opentracker.net for my web site's tracking. This service will show you where all your visitors come from.
If a visitor was referred by a search engine, obviously the visitor did a search. The tracker will tell you what keyword the visitor searched for. That keyword is something you should know, so that you can build on it, to bring in even more traffic. You may be surprised at what you find out from the web site tracker. I was surprised that so many people spelled surveys wrong, but I would have never found out if it wasn't for the web site tracker.
Experimenting with SEO is well worth the time. Set your sites on what people are searching for, and build your web site around those keywords, and you might find your web site on the first page.
Understand that not all search engines will rank your web site the same, try different search engines to see where your site shows up. MSN.com is one of my favorite engines to use because this site indexes web pages more often than others. This will help you to see if your experiments work a little faster that using the other top named search engines.
I hope to see your web site on the first page of the search engines real soon.
Affordable SEO Service
SEO Packages
The first thing you should know is that the job of a search engine is to bring up the web page, that is most relevant to the search.
Search Engine Optimization isn't rocket science!
The job of the web site owner is to make their web site more relevant than other sites. The other job they need to do is make sure the web site gets submitted to search engines. Do those two things and you are getting some attention well needed from the search engines, the reward is free targeted traffic.
I wrote an my first article titled "The plug-in Profit Home Business Review." Now I didn't know too much about writing articles at the time so this happened to be dumb luck. After a few weeks I did a search to find that my article got placed on the first pages of MSN, GOOGLE and Yahoo, when I searched for "plug-in profit site"( E-Commerce business). Surprised to see that the article was ranked higher than hundreds of thousands of possible sites, I looked into the reason for my article's great success.
When you read the article you'll see that the article is extremely related to the plug-in profit home business site. The title after all was called "The Plug-in Profit Home Business Review." The content is all about the program and mentions the name of the program several times. To sum things up this is what made my article step in front of my competitors.
I soon applied my new found knowledge into my own web site. I built my web site around the keyword, "plug-in Profit site. I made the title of my home page "plug-in profit home business site" Now days you will see somewhere on the first pages of the search engines internet5kincome.com when a search for "plug-in profit" is done. You may even find my first article hanging around. This proves that content is still king when it comes to search engines! I will also add the title helps out a great deal too!
In my efforts I made a mistake on my web page, I created a link titled :"Can taking on-line serveys really make you money? Click here to find out".
Notice the misspelled word serveys. While the rest of the world spells surveys with a "U". I spelled this one word with an "E".
I am embarrassed to say it, but that mistake placed my site on page 1 when a person searched for "on-line serveys" this winning mistake brought a surprising number of free traffic.
I am amazed at how many people spell surveys with an "E"! (The mistake has been corrected, but it is something you should know!)
When experimenting with search engine optimization, or SEO for short. Track your web site's performance with a tracking service. I use opentracker.net for my web site's tracking. This service will show you where all your visitors come from.
If a visitor was referred by a search engine, obviously the visitor did a search. The tracker will tell you what keyword the visitor searched for. That keyword is something you should know, so that you can build on it, to bring in even more traffic. You may be surprised at what you find out from the web site tracker. I was surprised that so many people spelled surveys wrong, but I would have never found out if it wasn't for the web site tracker.
Experimenting with SEO is well worth the time. Set your sites on what people are searching for, and build your web site around those keywords, and you might find your web site on the first page.
Understand that not all search engines will rank your web site the same, try different search engines to see where your site shows up. MSN.com is one of my favorite engines to use because this site indexes web pages more often than others. This will help you to see if your experiments work a little faster that using the other top named search engines.
I hope to see your web site on the first page of the search engines real soon.
Affordable SEO Service
SEO Packages
Saturday, February 6, 2010
Tips On Choosing An Air Mattress
There are many nice uses for an air mattress, however it will be quite easy to search out the incorrect one and waste your money. They're simply like anything else in that there are good ones, and there are ones that are going to fail quite easily. Whereas having a heel break on a shoe is an nuisance, having an air mattress go down in the middle of the hours of darkness when you've got guests can be down right upsetting. When buying something like this, you ought to always see if you'll notice air mattress reviews to make certain you are getting a high quality product.
There are a few things you can seek for when reading air mattress reviews that will help you out. If you have got pets, you ought to recognize that some don't seem to be made to handle them. All they may have to do is walk across the top and there will be a hole in the mattress, and it can go down rather quickly. That means you should seek for air mattress reviews that say the ones they have, have stood up well when there are animals within the home.
You also should take into account what you wish to use your mattress for when you are looking out for air mattress reviews. Are you using it for camping? Will you have got company sleeping on them? Can they be in the closet aside from in the future of the year? These are all things to consider when reading your air mattress reviews. If you merely have a use for one yearly, and you do not have pets, you'll not have to induce the best priced models out there.
Looking around on-line for air mattress reviews is one of the most effective ways to find them. Search for reviews by quite a few totally different people so you'll be able to get a smart idea to which are really the best. Some sites that sell these can offer area for buyers to jot down a review, and people are nice ones to find. If you cannot find them very easily, you'll be able to continuously use a research engine to find them on your own.
Be careful in the ones you choose to scan though, as some are put out there by the companies in hopes that they will persuade you to buy. Those reviews may be pretty correct, but they are continually slanted towards the positive for the sake of sales.
Before you purchase an Aerobed For Kids or any other airbed such as the popular Aerobed Raised be sure to visit us for tips on how to select the best model for you, and how to get the best deal.
There are a few things you can seek for when reading air mattress reviews that will help you out. If you have got pets, you ought to recognize that some don't seem to be made to handle them. All they may have to do is walk across the top and there will be a hole in the mattress, and it can go down rather quickly. That means you should seek for air mattress reviews that say the ones they have, have stood up well when there are animals within the home.
You also should take into account what you wish to use your mattress for when you are looking out for air mattress reviews. Are you using it for camping? Will you have got company sleeping on them? Can they be in the closet aside from in the future of the year? These are all things to consider when reading your air mattress reviews. If you merely have a use for one yearly, and you do not have pets, you'll not have to induce the best priced models out there.
Looking around on-line for air mattress reviews is one of the most effective ways to find them. Search for reviews by quite a few totally different people so you'll be able to get a smart idea to which are really the best. Some sites that sell these can offer area for buyers to jot down a review, and people are nice ones to find. If you cannot find them very easily, you'll be able to continuously use a research engine to find them on your own.
Be careful in the ones you choose to scan though, as some are put out there by the companies in hopes that they will persuade you to buy. Those reviews may be pretty correct, but they are continually slanted towards the positive for the sake of sales.
Before you purchase an Aerobed For Kids or any other airbed such as the popular Aerobed Raised be sure to visit us for tips on how to select the best model for you, and how to get the best deal.
A Mini Landscaping Lesson
Landscaping has often been likened to the painting of a picture. Your art-work teacher has doubtless told you that a good picture should have a point of chief interest, and the rest of the points simply go to make more beautiful the central idea, or to form a fine setting for it. So in landscaping there must be in the gardener's mind a picture of what he desires the whole to be when he completes his landscaping project.
Should you include lots of bare open lawn in your landscaping theme? A large extent of open lusious green lawn space is always beautiful. It is restful.
This type of open landscaping adds a feeling of space to even small grounds. If you cover your lawn space with many trees, with little flower beds here and there, the general effect is choppy and fussy. A bit like an over-dressed person. Not the most visual appealing result from your landscaping efforts.
When landscaping, a single tree or a small group is not a bad arrangement on the lawn. Do not centre the tree or trees. Let them drop a bit into the background. Make a pleasing side feature of them. In choosing trees for your landscaping project, keep in mind a number of things. You should not choose an overpowering tree. The tree should have a good shape, with something interesting about its bark, leaves, flowers or fruit.
For the beauty of landscaping, the catalpa is quite lovely by itself. Its leaves are broad, its flowers attractive, the seed pods which cling to the tree until way into the winter, add a bit of picturesqueness. The bright berries of the ash, the brilliant foliage of the sugar maple, the blossoms of the tulip tree, the bark of the white birch, and the leaves of the copper beech all these are beauty points to consider when planning your overall landscaping arrangement.
Landscaping may follow along very formal lines or along informal lines. The first would have straight paths, straight rows in stiff beds, everything, as the name tells, perfectly formal. The other method is, of course, the exact opposite. You should consider the advantages and danger points in each.
In conclusion, plan for open lawn spaces in your overall landscaping design and keep a visually appealing tree to blend in the background. Think balance and you will come up with a beautiful landscaping design for your yard.
Duncanville Lawn Care
Duncanville Landscaping
Should you include lots of bare open lawn in your landscaping theme? A large extent of open lusious green lawn space is always beautiful. It is restful.
This type of open landscaping adds a feeling of space to even small grounds. If you cover your lawn space with many trees, with little flower beds here and there, the general effect is choppy and fussy. A bit like an over-dressed person. Not the most visual appealing result from your landscaping efforts.
When landscaping, a single tree or a small group is not a bad arrangement on the lawn. Do not centre the tree or trees. Let them drop a bit into the background. Make a pleasing side feature of them. In choosing trees for your landscaping project, keep in mind a number of things. You should not choose an overpowering tree. The tree should have a good shape, with something interesting about its bark, leaves, flowers or fruit.
For the beauty of landscaping, the catalpa is quite lovely by itself. Its leaves are broad, its flowers attractive, the seed pods which cling to the tree until way into the winter, add a bit of picturesqueness. The bright berries of the ash, the brilliant foliage of the sugar maple, the blossoms of the tulip tree, the bark of the white birch, and the leaves of the copper beech all these are beauty points to consider when planning your overall landscaping arrangement.
Landscaping may follow along very formal lines or along informal lines. The first would have straight paths, straight rows in stiff beds, everything, as the name tells, perfectly formal. The other method is, of course, the exact opposite. You should consider the advantages and danger points in each.
In conclusion, plan for open lawn spaces in your overall landscaping design and keep a visually appealing tree to blend in the background. Think balance and you will come up with a beautiful landscaping design for your yard.
Duncanville Lawn Care
Duncanville Landscaping
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