How is currency trading different

Unlike the trading of stocks, futures or options, currency trading does not take place on a regulated exchange. It is not controlled by any central governing body, there are no clearing houses to guarantee the trades and there is no arbitration panel to adjudicate disputes. All members trade with each other based upon credit agreements. Essentially, business in the largest, most liquid market in the world depends on nothing more than a metaphorical handshake.

At first glance, this ad-hoc arrangement must seem bewildering to investors who are used to structured exchanges such as the NYSE or CME. However, this arrangement works exceedingly well in practice: because participants in FX must both compete and cooperate with each other, self regulation provides very effective control over the market. Furthermore, reputable retail FX dealers in the United States become members of the National Futures Association (NFA), and by doing so they agree to binding arbitration in the event of any dispute. Therefore, it is critical that any retail customer who contemplates trading currencies do so only through an NFA member firm.

FOREX. com is a registered Futures Commission Merchant (NFA ID #0339826) and a division of GAIN Capital Group. A pioneer in online foreign exchange, GAIN Capital Group provides forex trading & asset management services to institutional investors and professional money managers in over 140 countries.

Where is the commission in FOREX?

Investors who trade stocks, futures or options typically use a broker, who acts as an agent in the transaction. The broker takes the order to an exchange and attempts to execute it as per the customer's instructions. For providing this service, the broker is paid a commission when the customer buys and sells the tradable instrument.

The FX market does not have commissions. Unlike exchange-based markets, FX is a principals-only market. FX firms are dealers, not brokers. This is a critical distinction that all investors must understand. Unlike brokers, dealers assume market risk by serving as a counterparty to the investor's trade. They do not charge commission; instead, they make their money through the bid-ask spread.

In FX, the investor cannot attempt to buy on the bid or sell at the offer like in exchange-based markets. On the other hand, once the price clears the cost of the spread, there are no additional fees or commissions. Every single penny gain is pure profit to the investor. Nevertheless, the fact that traders must always overcome the bid/ask spread makes scalping much more difficult in FX.

Adds up big outcome

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Saving for retirement in the new economy

Let’s face it. Most of the financial advice out there says something like this, “If you make on average $60,000 per year…” Most of the advice is designed for baby boomers about to retire. The young generation 35 years-old and under are not going to relate when their incomes range from $25,000 to $40,000. True their income may rise someday but there is a good chance it could decrease with the onslaught of lay-offs, downsizing and cost cutting. The wages their parents earned who worked at companies like GM making a combined income of benefits and wages in the $65 per hour range are not likely to be around in the future. Many of these companies have two-tier wage systems that hire new workers somewhere around $24 per hour (benefits and wages combined). Not only are low wages going to be a problem but also lack of employment opportunities, high interest mortgages, expensive college education, lack of social security income and major cut backs in all federal spending. So what strategies should a young person making his/her way in a “tough times” economy to do?

The biggest advantage young people have is their age. Compound interest is a very powerful force that is likely to make or break a retiree. By putting away only $200 per month from the age of 30 and compounding it at 9% interest a young person could have around $500,000 by the time they are 67 years-old. Double that amount and you could be well over a million dollars. With a 401K offered by your employer it becomes very easy to save because it is pretax dollars that you don’t have to think about.

You may also choose to put your money into a Roth IRA. Generally, the money is taxed before it is put away and then you don’t have to pay taxes on it in retirement. Not a bad deal when it has compounded for 30 years. The best retirement utilizes a combination of the two. It is beneficial to put away money automatically in your 401K and set a goal of putting away $100 or $200 per month into a Roth IRA.

One may also consider reducing the cost of big expenditures and saving big money. The housing market is beginning to cool as baby boomers are leaving the market with their large incomes. It won’t be long before appreciation on houses has returned to a mediocre percent such as 3%-5%. As a young person trying to show his or her financial stuff they may want to buy the nicest houses they can get. Unfortunately that nice house also comes with a large mortgage payment. A good rule to follow is that your housing cost should not be over 25% of your household income. For example, If my wife and I make 70,000 (two young professionals at $35,000/year) than we could have a house that costs $1,400 per month. Because we are financial savvy, with a lot of energy, we bought an older house with an $800 per month mortgage payment, put our sweat equity in it, and watched its value increase 20%. Because we were under our $1,400 limit we also bought 10 acres for a nice cottage at $300 per

month. Now we are increasing our long-term assets at a cost of $1,100 per month. What happens to the savings? Well they go into our retirement account.

Of course one of the best ways of saving money is diverting your expenses into investments. Basically, “You don’t buy what you don’t need!” Go to discount grocery stores, take cheap vacations within driving distance, buy good quality clothes at discount prices, and stick to a solid budget. It is much easier to save money than it is to make more. Keep in mind that even though you don’t look as wealthy as your friends you are probably much wealthier financially. Trust me; no one gets out of college making a hundred thousand dollars a year. Therefore, don’t try and make your self look like it.

Battle of the riches good vs. evil. which side is money on

Why Become Wealthy? Believe it or not, I’ve actually been asked this question by a student of mine! She totally did not get why anyone would want to be wealthy. After asking her to define what it was to be wealthy for the class I quickly became aware that she had a mental block to becoming wealthy. To her, “Rich” people acquired their secure financial state by abusing and crushing those around them to gain more and more money.

With that sort of paradigm floating around in her head, is it any wonder that this woman had problems saving money? She was in continual battle with herself! She knew she needed money, but anytime she had too high a savings account she would “splurge” on some item and blow out her stash of cash so that she was back to living paycheck to paycheck. Ouch! How painful is that?

To my sadness, this student is not alone in her assessment of “rich” people. Throughout my travels, classes and seminars I find that roughly 45% of the people who are having problems with money have to deal with this issue first before anything else can happen! No, it is not your credit card debt that is the problem, at least that isn’t the core issue with your financial scarcity.

The issue is much more basic then credit card debt. You have not given yourself permission to become wealthy because you haven’t answered these questions for yourself:

1. Do you see money as good or evil?

2. Do you want to have more cash because you can use it to buy things that you or people in your life need or want?

3. Are you afraid of having too much money because the only people who seem to have lots of it are the folks who have done something bad to get it?

These are some of the first questions you need to ask yourself. If you see money as a necessary “evil,” your ability to find and save money, let alone use it wisely, will be colored by your negative view of what it can do. Money is not evil. Money is only a tool, like a hammer. You can use that hammer the right way, to build a house for someone who needs one. Or you can use it the wrong way, to smack someone on the head. Either way, the hammer has no choice in how it is used. Good or bad, right or wrong, the choice along with credit or blame, belongs solely to the person who wields it.

The same is true for money. Money is a useful tool, a medium of exchange that allows you to buy stuff you want. Money spends, regardless of how you get it. The bucks from your paycheck buy just as much as the cash you get from part-time employment, or the coins you picked up in the parking lot. The sales clerk and the shop owner don’t care where you got the money; it spends. The only “good” or “bad” in money is what you bring to it.

If you think that money is “evil,” take a minute to ask yourself some questions.

1. “Why do I believe that money is evil?”

2. “Is my view colored by how my parents handled cash?”

3. “Do my friends have money, and do they use it well?”

Write your answers down on a piece of paper, and then read them aloud to yourself. Why? Because as long as you believe that money is “bad” you will not be able to make or keep much of it. It is very important that you understand the battle in your brain as you go about changing your thoughts on money. If you want to keep money flowing in your life and working for you, then define for yourself what type of wealthy person you want to be.

Once you have a clear picture of the type of person you envision yourself to be and how you will handle money, then you can move toward creating it in your personal life. All it takes is a bit of introspection and reworking your internal definitions on what it means to be wealthy.

Handling credit card debt

When you find yourself in the midst of credit card debt, you may wonder if there is any way to pay off your balances without accruing so much interest and becoming trapped in what seems an inescapable cycle. If you can go online, visit the America Express website at americanexpress. com to see what they have to say about credit card debt consolidation. The American Express credit card offers a six month period without credit card interest. This means that if you transfer your balances from your Visa, MasterCard, or Discover cards, you will not accrue any interest on these balances. You only receive one statement and deal with one company for all your cards.

Benefits

Credit card debt consolidation lowers your monthly payments, which means that you will be paying out less each month than you have been. This is great news for those people with high monthly bills. You will have more access to cash and be able to apply that money either to the principle of our debt or to other needs.

The American Express credit card would be the only card you carry. So you would receive only one statement each month. If you are paying forty dollars on three credit cards right now, then you pay a total of one hundred and twenty dollars each month. A lot of that money goes to pay off the interest you are accruing on each card. So the principle balance keeps growing. When you transfer your balances to American Express, you are only responsible for the one payment each month. If this payment were forty dollars, for example, you would have freed up eighty dollars. Using this eighty dollars to pay on the American Express bill and therefore on the principle balances of your other cards is advisable, but not necessary.

Your credit card debt will disappear a lot faster if it is not accruing interest and growing in size each month. With the American Express card, the credit card interest is suspended for six months, offering you a grace period in which to catch up with your bills. You will also receive no interest on any other credit card purchases you make in the initial interest free time period.

In addition, by transferring your debt to an American Express credit card, you will get a better interest rate. The basic American Express credit card offers an interest rate of 4.99% on your balance transfers. This low rate takes effect after the six month trial period ends. It also lasts for the life of the card, meaning that it is a fixed credit card interest rate.

Drawbacks

There are some drawbacks to transferring credit card debt onto one card with an interest free trial period. You must remember that the interest will go up after the trial period is up. Be prepared to pay on the interest you accrue and have your debt disappear at a slower rate once the interest sets in. For purchases, your interest rate will continue to climb if you are late with payments or go over your credit limit.

Venice the floating city

For a millennium, Venice has provided inspiration for artists and writers. This coveted city is made up of 118 islands linked by 453 bridges. Each corner of town exhibits individual architectural magnificence, the city combining as one to form a spectacular theatrical stage set.

Beautiful churches adorn the banks of the Grand Canal as she snakes her way through the city. This main artery is at the centre of a myriad of canals running throughout the town.

The lifeblood of Venice is its tourism, a magnet for over 12 million visitors a year. Catering for this influx of visitors, the cities population of 70,000 people continue their daily lives, working the bars, cafes and restaurants.

Despite all this however, it seems that Venice is slowly sinking at the rate of approximately 2 inches every century. Terrible floods in 1966 caused much doom mongering and many people feared that Venice was about to be taken off the map.

The threat to remove funding for vital restoration projects gave serious cause for concern and prompted an urgent response to save the city. It was feared imminent flooding could completely destroy the city; preventative measures were high priority.

The efforts of the past two decades have had considerable success. Reduced pollution, shipping and the restoration of natural sandbanks have all contributed to the cause.

The first settlers of Venice were those fleeing the Barbarians around 400 AD. To create solid foundations for their buildings they drove timber into the mud and began creating a community for their people.

The city's emblem, the winged lion, derived from Saint Mark the Evangelist. The first significant church of Venice was built in the ninth century to house the relics of Saint Mark, and his emblem was soon adopted.

Venice’s trade brought great wealth and prosperity to the city and for many centuries it continued to grow. The city thrived on its colonies and invested its riches wisely. Churches and palaces became commonplace, as were museums to house many newly acquired works of art.

For the past couple of centuries however, the obvious lack of development space meant the city found it difficult to advance further. Wars with Turkey were a drain on the resources and so Venice was content to consolidate.

Despite this, Venice does not rest on its laurels. Every visit offers something new, a fresh experience to take home. Each region of the city has an individual charm, giving the sense there is always something special around each corner.

Digital camera care

After spending money on a quality digital camera, it is important to take the time to maintain it properly. Your camera will last much longer if you take preventative measures to keep it in the best condition.

The most important, and delicate, component of your digital camera is the camera lens. This serves as your window to the world, and once scratched it will require professional intervention to fix. For this reason, it is imperative that you protect the lens. First of all, when you are not taking photos your lens cap should always be on to keep the lens clean. Do not touch the lens directly with your finger. The oils left behind by your skin will be difficult to remove, making the view blurry at best. If your lens should get dusty or dirty, use a cleaner and cloth made specifically for cleaning camera lenses.

The body of your camera should also be kept clean and free of debris. Keep the camera in a case or pouch when not in use. If it should get dirty, wipe it down with a soft dry cloth. If you camera has an LCD panel, it is acceptable to breath lightly on it to add slight bit of moisture before wiping it down with a soft cloth.

Digital cameras should be kept dry. Most cameras are not waterproof, and should not be in situations where they could be submerged in liquid or even splashed. If your camera should get wet, it is a good idea to turn it off, remove the battery, and remove the memory card. Leave the camera out to air dry for one to two days. At that time if the camera is not functioning properly you will need to contact a professional repair company or the manufacturer for advice.

In general, your camera will do best if stored in mild, dry conditions. Extreme temperatures can be damaging so try not to leave your camera in your car or any super sunny locations. Another good idea is to save the silica gel packets that come with many purchases to prevent moisture damage, and place them in the drawer or container where your camera is stored. If you plan to store your camera for a long period of time without use, you should first remove the battery from the camera. This precaution will prevent damage in case the battery should leak.

Finally, if you are planning to take photos in a location where you believe there will be a higher risk of damage from water or soil or other conditions purchase a disposable camera and leave your digital at home. Better safe than sorry.

Bolivia the rugged high plains

Bolivia is sometimes called the Tibet of the Americas, for its arid, high-altitude desert-like plateau, more vivid when called by its Spanish name altiplano. This is one of the toughest inhabited environments on earth from shimmering Lake Titicaca, the only lake to give birth to an empire, to the surreal Salar de Uyuni, the biggest and highest salt lake in the world – 12,000 sq km of blinding white, completely flat nothingness.

Bolivia has also been called the Nepal of the Americas, for its Cordillera Real with almost a thousand peaks soaring over 5,000 meters and matching anything the Himalayas can offer in climbing and trekking, but with much less of the human traffic.

The major attraction tourists have for Bolivia is its wild, unexplored natural beauty. The country, or the greater part of it, lies off the beaten track; a vast wildness waiting to be seen and appreciated. This land-locked country at the heart and peak of South America offers magnificent trekking, especially around Coroico and Sorata in the Cordillera Real. You can go to the Amazonian rainforests in its eastern parts by breath-taking airplane flights or by hair-raising, or rather, heart-stopping bus rides.

Special Treats

Some travel companies offer the adventurous a one-week ice-climbing and biking vacation. After a day of training on the mountain bike, you pedal away on a mountain road ringed on the sides with 800-foot drops. If that’s not enough, another route will pass by a section with a 14,000-foot drop. The route takes you from the peak of the Chacaltaya Mountain and goes down into the impenetrable jungles of the Zongo Valley. A brief rest, and then you undergo one more day of training prior to a two-day climb up Huayna Potosi, one of the highest peaks in the world at 20,000 feet.

What Else to Do

Most parts of the country are remote, and can be reached only by long bus rides. Vacations lasting a few weeks would hardly be enough to see what should be seen. You may have to fly to other destinations. La Paz is the jump-off point for Bolivia’s sites. From the capital La Paz, you could take a trip north to the city of Tiahuanaco, which preceded the great Inca Empire; further north is Lake Titicaca. On the lake is the beautiful Isla del Sol, where legend says the Inca empire was created. You can also go down a terrifying but spectacular road to Coroico, a popular resort town in the sub-tropical Yungas valleys.

With more time, you could explore the remote corners of the Southern Altiplano. Old colonial Potosi is said to be the most interesting of Bolivia’s cities and the site of the Spanish silver mines. Nearby is the official capital, Sucre, with its fascinating colonial architecture. Southwest of Potosi is Uyuni, which sets you off on a 3-4-day tour to the Salar de Uyuni, the world’s largest salt lake. Further south, near the Chilean border, are deserts, volcanoes and multi-colored soda lakes carpeted with flamingoes. The south is also home to the vineyards of Tarija and the graveyards of dinosaurs. The Sajima National Park, near the Chilean border, includes the highest peak in Bolivia.

East of La Paz, you escape the cold of the altiplano and go down the Amazon jungle towards Brazil. The Torotoro National Park is full of fossils, dinosaur footprints, caves and waterfalls, the real trip for those who love the unbeaten paths.

Bolivia’s newest attraction is the Chalalan Eco-lodge, in the Madidi National Park, right in the Amazon jungle. This is ecotourism in capital letters, and the place has the greatest biodiversity in the whole planet. There are over 300 types of birds, 1,200 butterfly species, monkeys, jaguar, tapir, caiman, and other wildlife.

Best time to go

Bolivia’s roads are notoriously poor, so you’ll want to avoid the rainy season from November to March, if you want to visit the jungles. The Altiplano does not get much rain, so timing is not so crucial although hiking trails can get muddy. June and July, the winter months, are colder but the nights are clearer, and these are the best months to visit the Salar de Uyuni. June to August are the busiest tourism months and hotels will be full. The best festivals (Carnival and Holy Week) happen during the rainy season.

Planning your trip

Airlines are busiest from early December to mid-January and July to September. The best connections to La Paz are through Sao Paolo, Rio de Janeiro, Buenos Aires or Miami. The main cities have their hotels, but away from them, there are suitable hotels for every budget, which offer excellent value – not luxurious but clean and popular with travelers.

Mortgage brokers best service tips

Most of us have been there before, looking to buy a new home. Can you picture the situation now? You see a photo in the estate agents window, and you nip in for a schedule. As soon as the agents know you’re looking to buy a property, they will offer to set up a meeting with their mortgage advisor.

You feel like you are being railroaded into using their services, you now believe that these mortgage advisors are the best in the business. The mortgage deals elsewhere aren’t worth the paper that they have been written on and if you go anywhere else for your mortgage then you will be filing for bankruptcy within 3 months. Does it seem familiar?

While it can be an excellent idea to take on the services of a mortgage advisor, it’s by no means compulsory. Advisors will either charge a fee – in which case they should be offering you totally impartial advice – or they will be on commission. This does mean they are likely to try and steer you towards certain products in the interest of earning a bonus.

A broker is an intermediary who will help you to find the best mortgage deal for your needs and circumstances. Those who subscribe to the Mortgage Code are bound to disclose information about the services they are providing, including:

· Whether they are independent, or tied to a particular organisation

· What commissions, if any, they will receive

· What level of service and advice they can provide

You can request a list of local independent mortgage brokers from The Mortgage Code Register of Intermediaries – check cml. org. uk for details. Independent Financial Advisors can also act as intermediaries – some specialise in mortgages. Make sure to find out whether your broker charges a fee before you agree to use them, and how much it will cost. Normally they should only charge you once you have found a mortgage and had your application accepted.

Using a broker can make the process of finding and choosing a mortgage much easier – you give them information about what you are looking for and your finances, and they can do the hard work. Because brokers have experience of the field and a good awareness of current market trends, they can often give good advice to borrowers. They also will have access to a vast range of products that you may struggle to find yourself – mortgages from the smaller providers, for example, may not be prominently advertised.

Independent brokers earn money by selling you products – they may suggest additional insurance policies for example. You are not required to take up these offers, and be aware that the broker is receiving commissions for selling you policies. However, if you are looking for extra insurance – for example repayment protection to cover your mortgage payments – it may be easiest to let the broker find you a policy at the same time as your mortgage.

You may freely reprint this article provided that the author bio and live links are left intact.

Commercial business burglary

Ninety per cent of burglary prevention is physical security. If your complex is locked up and unauthorized entry is made difficult, time consuming, noisy and visible, chances of a successful burglary are kept to a minimum. The burglar will pass up your business and look for an easier target.

PREVENTION

LOCKS on all outside entrances and inside security doors should be double cylinder deadbolts with moveable collars. The deadbolt should have at least one inch throw containing a hardened steel insert and protected by a latch guard.

PADLOCKS should be of hardened steel, mounted on bolted hasps and always locked to prevent exchange. Serial numbers should be filed off to prevent new keys from being made.

DOORS (all outside or security doors) should be of solid construction, metal lined and secured with heavy metal crossbars. Jams around doors must be solid. All exposed hinges should be pinned to prevent removal.

WINDOWS should have secure locks. Burglar-resistant glass treatments are also recommended. An example would be the installation of polyester security film. However, this must be used in conjunction with the alarm's glass break sensor. Heavy metal grates may be used on windows of high vulnerability (such as rear windows). Check with the Fire Marshall for safety requirements.

LIGHTS must provide optimum visibility, both inside and out, with those outside having vandal-proof covers over the lights and power source. Entire perimeter must be well lit, especially the area around doors and other possible entry points.

ALARM SYSTEM should be supplied by a licensed alarm company with a central monitoring station. Check the alarm system on a daily basis, and advertise its presence to deter break-ins.

CASH REGISTER should be kept in plain view from outside the building so it can be easily monitored and should be left open when empty and not in use.

SAFE should be fire proof, burglar resistant, anchored securely and in plain view. Leave it open when it is empty, and use it to lock up valuables when business is closed. Change the combination whenever someone with access to it leaves your employment.

BUILDING EXTERIOR should be checked including the roof, cellar and walls. Secure all openings.

MAINTAIN GOOD VISIBILITY by not allowing landscaping, boxes, trash bins, vehicles or equipment near building where they might provide concealment or access to the roof.

PERIMETER FENCES need to be adequate enough to keep intruders out, and at the same time allow good visibility of your business by neighbors and police (i. e. vertical iron bar fence or 1/8 inch mesh vinyl coated chain link).

KEY CONTROL should be done in a responsible manner. A master key system where one key opens all locks may be convenient, but it may not be the best for security. Code all keys, keep them locked up when not in use, and do not allow employees to leave them lying around or make duplicates. Change locks whenever you suspect key security has been jeopardized.

ID NUMBERS should be marked on all equipment and stickers (such as Operation ID) should be displayed to make this plainly evident to would-be thieves. The best number to use is your personal Florida driver's license number. Also keeping a record of serial numbers on all equipment may help in recovery.

Make it monumental visit new delhi - travel information

New Delhi, part of what is commonly referred to as just Delhi (yes, there is an Old Delhi), is the most ideal base from which to discover the marvels and wonders of India’s ancient subcontinent. Travel to New Delhi to discover India’s capital city, one of the oldest existing cities in the world, then journey to Agra to see the Taj Mahal and heighten your senses in the Himalayas on your way back. Find airfare to New Delhi in minutes with cFares and experience the colorful mosaic of east and west cultures in the heart of a Delhi marketplace before you know it!

Not So New Delhi

It is believed that Delhi has been destroyed and rebuilt nearly a dozen times since its original establishment sometime close to 5000 years ago; surprisingly, this fact only adds to the incredible historical appeal of the clustered districts, royal edifices and spiritual sanctuaries. The generational layers of history and architecture are apparent in monuments, public art displays, and ancient gardens as New Delhi expanded to the south of the old city, incorporating preexisting communities and infrastructure.

Today, New Delhi is considered the center of the city and also the seat of government. The colossal Rashtrapati Bhavan (Presidential Palace) is a magnificent structure originally titled the Viceroy’s House under British rule. The 350 room palace displays a well studied blend of classical Greek and Indian architecture. If you are lucky enough to travel to New Delhi in February you will find the blooming red rose gardens open to the public. Make your way to the east side of New Delhi and back into time at the Red Fort, one of the most glorious royal compounds still standing today. Notable buildings include the Jewel Palace, Mumtaz Mahal, which once housed the Sultan’s harem and the Diwan-i-Khas, Hall of Private Audience, which was constructed entirely of marble.

Navigating New Delhi

New Delhi is centered about to major circles: Connaught Place and India Gate. Connaught Place is an excellent place to begin your walking and get acquainted with the pace and lifestyle of India’s bustling commercial zones. You will find the largest collection of crafts and trade stores in the comfort of indoor air conditioning as well as excellent bargaining opportunities. To the south, India Gate stands as a monument to Indian soldiers who died in World War I. Nearby you will find the National Museum, a must see for comprehensive Indian culture and heritage, and the Tibet House, founded by the Dalai Lama to promote the preservation and perseverance of Tibetan culture. The long wide avenue from India Gate to the President’s Palace, Rajpath, provides a wonderful escape for a quieter walk and expanses of grass ideal for a midday picnic.

Remember to take the extremes of weather into account when booking your airfare to New Delhi on cFares. The summer months exceed 90 degrees Fahrenheit on a regular basis while late spring offers the rainy season and the winter months drop all the way down to zero. The ideal time to explore the vast and monumental sights of New Delhi is during October-November and February-March when temperatures are more mild on average.

The downsides of reciprocal linking to increase search engine rankings

Reciprocal linking is still a highly sought after method for many companies and webmasters hoping to increase their web site’s ranking in the search engines. Back in 2002, when reciprocal linking firmly took its place as a real way to boost your rankings, many webmasters and sites started using it to quickly and frantically get the upper edge on their competition and the search engines. But, like all short lived and unnatural ways to boost web site rankings, reciprocal linking has quickly just become another very loosely based and often worthless method for many sites trying to get their sites ranked by the search engines.

Let’s look at some of the reasons why reciprocal linking is fading fast, and why some sites who still use the examples I’ll describe below are left with hours, weeks, and possibly months worth of wasted marketing for their own sites.

The first thing I like to think about with any linking campaign or any sort is how easy it is to spot reciprocal linking from Google's standpoint. If they can spot unnatural linking building, and they likely will, then the other big search engines aren’t far behind.

Here are my methodologies for reciprocal linking from Google’s standpoint:

1) All of the reciprocal pages and links are very easy to identify. The URLs on sites where the links “live” are often a dead giveaway, many times using "reciprocal-links. html, "reciprocal-links-2.html," etc. for all of the linking pages. Many variations of these types of URLs are used and are easily spotted by Google, even if you call them "resource" pages they are still essentially just reciprocal links pages.

2) On all of the reciprocal links pages, the links are set up and displayed the exact same way. There is no variance in page layout or how the links display. By this, I mean the bulk of reciprocal links pages only have this:

Link & Anchor text - description goes here...

Link & Anchor text - description goes here...

Link & Anchor text - description goes here...

Link & Anchor text - description goes here...

Get the idea here? This is extremely easy to spot and demote by Google or any other search engine.

3) Often reciprocal links are nothing more than completely automated – the emails, the reply emails, the code that inserts the links on pages, everything. Practically the only thing a webmaster has to do nowadays is just click a button and have the new batch of reciprocal links appear on their link pages. And Google and other search engines know this. There's no "real" reciprocal business or mutual working relationship between the two sites reciprocating. They are simply trying to boost each other’s rankings in the search engines - nothing more, nothing less.

4) Unnatural, unnatural, unnatural. Reciprocal links were built on the reputation of boosting one’s page popularity and rankings in the search engines and are being used very erratically. Some webmasters simply abuse this method without one thought to other, more substantial methods of building quality links to their site. A worst situation is that some webmasters use this as their only method for building links to their site.

An example of unnatural and erratic link building would be a pharmacy web site sending out a link exchange email to practically any site, no matter the industry they’re in, even to a poker related site. This is extremely unrelated and, quite often, just links two sites together that have nothing to do with each other, not to mention the example above describes two industries that search engines frown upon anyway.

Reciprocal page “directories” are worse than the recent hay-day of directories that just scraped Dmoz. org results simply regurgitated them on their own site because at least Dmoz. org spent the time to categorize and accept links based on some sort of acceptance guidelines. Reciprocal link directories often have no guidelines except the fact that a link has to be placed on one site before it’s placed on the other. In the end you just end up with page of links not related to anything else on your web site, often proving that there’s zero targeting and zero concern for quality.

If webmasters still continue to use reciprocal linking as a method to boost page rankings, changes will need to take place. If you are going to reciprocate links, do it within context on the site that is specifically written for or by the other site, much like what you see on blogs today where links appear randomly throughout the text in a paragraph.

Use reciprocal linking sparingly and really mix up the way they look on the pages of your site. Do not follow the example I listed above and simply display the anchor text and link along side the description. Even use the old method of site A, linking to site C, and site B links back to site A, if they are all on different IP addresses.

Lastly, and the most important advice is do not rely on reciprocal linking campaigns alone. To get truly natural links to your site you need to syndicate articles with links, submit to directories, and gain links through targeted sites willing to work with you in some way. Google’s “Jagger” update proved itself enough to wipe out many reciprocal linking networks and sites who use them and it’s only a matter of time before further Google updates will penalize or demote what they initially left behind.

Trusting excel fr jackets for your outerwear needs

There are times in your busy work day where you simply need to get hot, and your outerwear better be able to get just as hot as you. Trusting a company to keep you safe means trusting your life to that company. Would you pick a fly by night company, or a company that has little history in this protective apparel industry? Trusting less than the best can cost you your life, and that is why you get more than you expect when you purchase Excel Flame Resistant (FR) jackets when you need outerwear that is the best in the industry.

What can you expect in this exceptional outerwear?

Bulwark. That’s right. Bulwark. Maybe you are pondering what Bulwark actually means. Bulwark is a heavy duty protective material used to develop fire or flame resistant work wear for men and women across the globe. This Bulwark has properties specifically designed by mixing specific ingredients together to come up with a blend that will offer you optimal protection you need. In addition, Bulwark is relatively soft and comfortable. That’s right, you can have comfortable with your purchase of Excel FR jackets.

There are times when outerwear is necessary for either protection or warmth. You can use outerwear to stay dry, or you can use outerwear to stay cool. There are so many qualities you can count on when you choose Excel FR jackets for your outwear needs.

Exceptional Comfort

You do not want bulky and heavy outerwear. You need to move when the going gets hot. Sometimes, you may find your life is saved simply by being able to move. Purchasing Excel FR jackets means you are choosing outerwear that will allow you to move when you need to move. No bulky materials or designs here! Each design is perfect for your lifestyle.

There are many colors and styles you get to choose from to maximize your comfort factor in your hazardous working environment.

Superior Life Span

There is nothing like purchasing outerwear spending a small fortune in the process only to discover that your outerwear lasts for a fraction of the expectancy that you expect. You will be making an investment into your future when you choose Excel FR jackets. There are few companies that can provide the same durability and protection from one laundering to the next.

However, when you trust the power of Bulwark, you are trusting in the ability of your outerwear to provide you with the longest lasting, no fading protection from one wash to the next.

Better Quality

Simply stated – Bulwark does it better! That’s right. When you demand the best, you will find the quality of those Excel FR jackets you purchase is not matchable by any other company anywhere. You are guaranteed of satisfaction. The closures are better, the designs are better, and the life span is better. No longer do you have to worry about being safe when you trust this find material. Each piece is guaranteed to last you a lifetime. The high quality is one of the reasons more people trust those Excel FR jackets purchased when outwear is needed.

How to buy whole life insurance online

Buying whole life insurance online is similar to buying any other kind of insurance online. If you’ve decided whole life insurance is for you, read on.

Begin your search. People love searching and shopping online because it’s quick and easy. To add to the convenience, you can gain instant access to multiple whole life insurance companies and policies online when you visit websites dedicated to doing the searching for you! Simply visit your favorite search engine, type “buy whole life insurance online,” “get whole life insurance quote,” or some other similar phrase, and voila! Choose a website with a large database to ensure you get the most relevant results possible. You’ll probably have the best luck with websites closest to the top of the results.

Research the insurance company. You want a life insurance company that’s financially sound, customer service-oriented, and is legally allowed to do business in your state. Visit the website of any independent research company to find the financial rating of the life insurance company. Then head over to the Better Business Bureau’s website to find complaints filed against the company. Finally, give your state’s department of insurance a call and ask if the company in question is licensed to sell whole life insurance in your state.

Speak with a live agent. While shopping for whole life insurance online is quick and easy, you probably want to stay away from making the final purchase – sealing the deal – online. After all, there will be questions to ask, fine print to read, and paperwork to sign. It’s perfectly fine to shop around for great whole life insurance online – you can compare companies, their policies, and their quotes. You can research the companies further with the help of independent research companies, the BBB, and your state’s insurance department. However, when it’s time to make the actual purchase, you should request contact information for a live insurance agent for the company.

Advertising internet banners

Do you have a business or service that needs advertisement? Well advertising with banners on the internet has become more and more popular. Partly because it saves companies more money and it could reach a larger audience. That is if you use it to your advantage.

The following steps will help you make your cheap internet banner advertising priceless. With these simple instructions, you will always have traffic on your website.

First, you should capture the attention of your target audience, your title and topic should be something you must consider carefully. You have to make people think that your cheap internet banner is worthy their time. The advertisement has to meet the audience's need.

You have to make them curious about your advertisement you must get their attention. You should be able to deliver your products or services with strong words.

You should be able to construct words on your advertisements that might lead the target audience to think that you are directly talking to them to give a sense of familiarity on your services.

As you persuade the people and direct them to buy or entail your services, they give importance to your business proposal. Your cheap internet-based banner advertising will become one of the ads everyone wants.

You should present your ads to the global community repeatedly to get them familiar with you and your services.

But it is important to remember that having a website doesn't mean that you could sell products just by itself. You must also include marketing strategies. With having internet banners you save time and money and achieve market sales. The internet banners are cheap and it may lead your company to riches.

Go out and try them, there’s no harm. The only thing they’ll do is attract more customers to you.

Hiking boots step into the perfect fit

There are only two rules for buying hiking boots: good quality and good fit. But if it is that simple, why do so many hikers end up wearing poorly fitted boots?

According to Backpacker magazine, seventy percent of hikers wear boots that don't fit right -- and they often don't even know it. Their boots leave them with blisters and sore feet, but they think that's just part of hiking. Not so. Pain is not a natural part of enjoying the outdoors.

Boots that don't fit right can also lead to sore knees, ankles, hips, and back. After all, the 26 bones of your feet support the entire weight of your body and backpack. Since your boots determine the comfort and support of your feet, which in turn support your entire weight, hikers generally agree that the most important piece of hiking gear is the boot.

It is well worth it, therefore, to make the investment of time and money in finding the right boot. But what are the criteria to look for?

Quality:

When it comes to boots, you get what you pay for. Inexpensive boots are made from cheap materials that bind, chafe, and fail to protect your feet from moisture and other hazards. Manufactures cut down on costs by cutting corners; you pay the price in terms of lost comfort, and it is never worth the money you "saved."

You will be able to find an excellent boot for under $200, but unless it's on a super-sale, you probably won't find a quality boot for less than $100.

Features:

Look for at least two sets of lace-hooks at the top. Lace holes make it more difficult to adjust your lacing for up-and down-hill stretches, and manufactures of good boots know this.

The exterior material should be waterproof and durable. The interior material should be smooth; no chafing and no sticky, poking seeds.

The tongue should be pleated to keep out water. And the sole should have an effective traction design and be stiff enough for your typical use (trekkers carrying heavy packs need stiffer soles than day hikers, for instance).

Fit:

Don't even think about "breaking them in." Although hiking boots pack-down somewhat and form to your foot, boots that rub or bind anywhere will never fit right. Also, make sure that your toes have room. If they are touching the front of the boot at all, your downhill hikes will be painful, no matter how good you are at lacing.

Of course, shop for your hiking boots wearing the hiking socks you normally use so their thickness is part of the fit.

If you follow these guidelines, you will end up with hiking boots that will last for many years and make every hike a pleasure.

Gothic clothing for fun

Are you ready to put a different type of style into your life? If you are into punk gothic clothing is going to be the type of clothing that will fit your style. for the cuts, the off the shoulder looks, and the inclusion of leather in your clothing, gothic clothing is going to set your style, set you out from the crowd, and put you in the scene you want to be in.

Gothic clothing uses a look that includes what some people feel is a sexy, sleek, and wild look. Not everyone is going to dress in a suit and tie for work, and if you are not in that group, consider gothic clothing to set your mood for fun all day and all night long. Gothic clothing is based on the use of tight corsets, tight clothing, leathers, the look of chains and an overall style that is different from many other types of designers and styles that are available.

Most gothic clothing is not available in retail stores offline. You can occasionally find a gothic clothing store offline, but in larger cities. Prices for gothic clothing are going to be a bit higher, as you are purchasing a specialty item, one that will take you back in time to a point where costumes where a daily habit, and the costumes wear worn by those who had the most power in that time, and the most wisdom.

Gothic clothing often times represents a more animal looking side to life. The animal prints of the leopard and the tiger are often times very popular with the gothic clothing you can find for sale online. The tiger prints in bold yellow, black, and sometimes in white with black are popular as gifts, for wearing, and to set your wardrobe out among the rest. Leopard prints in red, white, black and sometimes in yellow are exciting additions for those who want to have the gothic clothing feel extended in their life.

Gothic clothing purchases can be completed online. You can find many gothic clothing retailers online, from different countries that are going to add that something special to your wardrobe, and that others in your friendly circle are not going to have. You can mix and match gothic clothing to include pants, shirts, shorts, tops, tanks, and neckwear or head gear that is fabulous compared to the boring type of suits and outfits that are available through other retailers. The gothic clothing lines are exciting, sexy, and sultry, setting your own style to be one that will make you a step above the rest in your crowd. If you are in the rock scene, in the punk scene or if you are a partygoer, you are going to love what you can find online in the gothic clothing sections.

Fixed-rate or arm - what are the advantages

All mortgages tend to fall into one or two basic categories - they are either a fixed rate mortgage or an adjustable rate mortgage. Among these two categories, however, there are many different options that allow you to get a mortgage that suits your personal needs. Here are some of the advantages of these two basic types that you need to know if you are considering buying a house.

A fixed rate mortgage gives you the predictable leverage of knowing that your payments and rate of interest stay the same throughout the length of the mortgage. There are no changes or adjustments of any kind during the term of the mortgage. The obvious advantage occurs when the interest rates, driven by the economy, changes for the worst. Since you are locked in to your rates, you will not be effected. On the other hand, a fixed rate mortgage may backfire, if the interest rates do drop during economic boom times. This could easily leave you paying much higher rates than others.

The advantage of fixed rate mortgages is obviously the stability it provides - you always know what your payment will be. There are a number of options that will give you greater or lower payments, though, such as the longevity of the mortgage. You can choose from 15-year mortgages, and then at various intervals, all the way now up to 50 year mortgages. The longer the loan, of course, the higher the amount of interest that you will pay throughout the term of the mortgage.

An adjustable rate mortgage, provides you with certain advantages that depend on both your own circumstances, as well as the economy. Most adjustable rate mortgages have a fixed rate portion of the loan, which typically, comes in 1,3,5,7, or 11 years. This portion of the loan allows you to enjoy a fixed rate for that period of time that you choose. This can be really good if the economy is doing well and the rates are low. It is this feature that could also allow you to get a larger house than you might be able to afford if you went for a fixed rate mortgage.

Adjustable rate mortgages lock you in, for a few years to the rate at the time you bought the house. Usually this means that you have a lower rate than anyone who buys a fixed rate mortgage at the same time. At the end of the fixed rate portion, though, you will see an adjustment made that will reflect the market - whether it is good or bad. This means that you could see quite a large jump all of a sudden. It could be hundreds of dollars more - or it could even be less than what you were paying earlier - if the market is that good. An adjustable rate mortgage will usually have some limits on the amount of an increase there can be in any year. This increase, however, is one of many. Depending on your contract, it could mean that your adjustments are made on either a monthly or yearly basis.

In either case, there are pros and cons - all depending on the economy. The good thing is that there is always the possibility of refinancing - if need be. Be sure to compare any offers you receive in order to determine the best buy for your situation. Get several offers from different companies in order to see the possibilities, and you may want to get some advice from outside sources as to whether a fixed rate or adjustable rate is the best for you.

Make wider your figure with seo

In order for business to maximize the benefits of the internet, it is important to have an ongoing search engine marketing strategy that focuses on getting related websites linking back to yours. SEO Delhi Company is an effective search engine optimization company its campaign should identify other related websites to get back links from. If any one want to get more information about search engine optimization process then need to fallow the e-fuzion. com. SEO Delhi Company e-Fuzion provides a great way to increase website traffic and also a major source to get one way links back to your site. There are lots of website directories available on the web that accepts articles in different varieties of categories. It is important for the user to select a category that matches with the theme and content of their websites. Thus it is an effective marketing method directed towards increasing targeted visitors to your website. SEO Delhi Company e-Fuzion contains some important things to be kept in mind for article upload in SEO service. It is generally to catch reader’s attention as well as divert a large amount of traffic towards your website. SEO Delhi Company e-Fuzion provides the valuable contents which are necessary and informative. SEO Delhi Company e-Fuzion rejects the repeated and long articles. So that it looks monotonous. It always keeps the point to make it interesting for the users. If the titles headline is short then search engine optimization process offers extra effort. Whenever a user searches for the article, there are chances of those articles to come in the top of search queries that are related with the keyword in title.

The major advantage of SEO Delhi Company e-Fuzion is it provides a great source of providing one way link to your website and generates interest in visitors through the content of your written source and also attracts more unique visitors. Their search engine optimization services do not accept the articles with URL while some accept a certain number of URL in body and author byline. Some directories do not allow over promotional aspects.

Nokia and yahoo team up

Well, it was only a matter of time until web search became a hit on cell phones. Yahoo! and Nokia have been working together over the past year to get web and image search results on your cell pone.

This feature is now available in 10 languages on a variety of Nokia phones including the N80, N70, N93, N71, and a number of other phones.

There are many great features on the Nokia N-series that it is hard to know where to start. There's the 3 mega pixel camera for starters which is really powerful for a phone camera combining fun, functionality and style in one, being one of the best-looking smart phones on the market today. Supporting Email client, internet browser, and Wi-Fi makes it a powerful business device as well. The sliding keyboard reveals the dial pad when opened which keeps the overall size of the N-series down. Yahoo’s mobile search software for Nokia cell phones is a simple, convenient, and easy way to find and connect to local internet services, web sites, images, mobile content and ringtones. Partnership has already started to drive customers’ usage of mobile search. The Nokia mobile search also increases consumer discoverability of search on mobile devices as in many cases search will be accessible directly from the menu screen. This pact is an expansion of an already strong cooperation between leading players in their fields.

"Nokia is extremely focused on providing the multimedia computer user the easiest route to explore the Internet and find what they need while they are on the go, such as images, facts, restaurants and addresses," commented Ralph Eric Kunz, vice president, Multimedia Experiences, at Nokia. "Combining Yahoo!'s proven expertise in search on the web with Nokia's understanding of mobile user interfaces, makes the Nokia Mobile Search experience unrivalled in the industry of ringtones."

Secured homeowner loans can be taken for almost any purpose

Secured homeowner loans can be taken out for virtually any purpose but thought has to be given if the reason is worth putting the roof over your head in danger. A secured loan means that you will put something of extreme value up against the loan and in the case of a homeowner loan this is your home. The majority of lenders will use your homes equity when it comes to deciding how much you are able to borrow, but it means that throughout the term of the loan your home could be repossessed.

The amount of equity that is in your home will be decided by subtracting what you have left outstanding on your mortgage from the value of your home. What is left is called the spare equity and is the amount that lenders will allow you to borrow. If you are willing to pay a higher rate of interest then some will allow you to borrow up to 125% of the spare equity.

In order to make a search and to ensure that you search the whole of the marketplace for the cheapest rates of interest you should go with a specialist website. By going with a specialist site you can enter the criteria for the loan and then get several quotes from some of the top UK lenders and then compare them. However just as important when it comes to comparing quotes are the key facts of the loan. The key facts should come with the quotes if you use a specialist site.

It is imperative that you read them because a loan can come with hidden costs. One cost which some lenders put in is an early repayment fee. This means that if you should be lucky enough to be able to pay up the loan earlier than expected you would have to payout a lump sum. The key facts will also give such information as how much you will have to repay in interest and the total amount the loan will cost. All of this information can go a long way to helping you decide which to go for.

Secured homeowner loans can be taken out by anyone but can be valuable to those who have been turned down for a loan due to a bad credit rating. They will also usually allow you to borrow more than with a personal loan and the repayments can be spread out over a longer term. You do have to take into account that the longer you take the loan out over the more interest you will pay on the loan, but the cheaper the monthly repayments will work out at. As the loan will be secured on your home some thought to protecting the repayments should be given. You have to remember that your circumstances could change and this means that if you lost your job you would still have to find the money to pay your loan. If you falter on the loan then your home is at risk of being repossessed.

Dental plan looking after your financial health too

As the cost of living seems to go up almost every time you turn around, finding ways to save becomes more and more important. And yet, despite the almost instinctual urge to budget where possible, it remains enormously important that we don’t ditch the things we really can’t afford to be without, in some effort to save a quick buck now. Sometimes investing in the right things now can save a lot of money and heartache later, and a good dental plan is one thing you can’t afford to be without. But if you are counting the cash, how do you keep your find a plan that will keep your oral health covered without ruining your financial wellbeing?

Most people already appreciate the importance of general health insurance, but dental cover is just as crucial. Oral health has been shown to have implication on other aspects of physical wellbeing, but that aside, dental problems can cause a great deal of pain and emotional distress. Finding yourself with an oral injury or infection is bad enough at the best of times, but the situation can become far more complicated when financial concerns are added to the mix. Mitigate this added stress by keeping your family covered in advance with a good dental plan.

Some types of general health insurance do include dental coverage, but often this is rather basic – check your policy to find out exactly what is covered. A group dental plan, such as those offered by employers, usually offer a good deal, but once again, it is wise to check what procedures are covered by the plan. Some plans restrict your choice of dentist, which might not be suitable if your own dentist is familiar with your family’s oral history. Other restrictions include the possibility of offering preventative care only – something that is of little use in the event of a dental emergency. Be sure to find out whether any co-payment is demanded, and whether you can expect to receive full or partial reimbursement of dental fees. This information gives you a more comprehensive picture of your financial situation, allowing you deal with dental issues with fewer financial concerns to bog you down.

And always remember that despite the type of dental plan you have, prevention is always far better than cure. While accidents will always happen, ensure that your whole family takes proper care of their teeth. Good oral hygiene not only contributes toward their general health, but it helps keep your wallet feeling good too!

How to get a good rank on google - tips you want to know

For most website owners, few things are more important than getting a good rank on Google. Why? It’s simply the best way to get new visitors—and customers—to your site. If you’re buried on page 40, you aren’t as likely to get the traffic you want.

So the first thing that you want to do to see that you get a good page ranking on Google is to be sure your site is set up correctly. This involves setting up your pages with the correct meta tag and such so that the web crawlers and spiders can find you!

Another important aspect of getting a good rank on Google is to link your site to other high-profile sites. The spiders like sites that are well connected, but you don’t want to link to just any sites out there. You want to choose sites that are related in some way to your business or service and are sites that are also highly ranked on Google.

The number of pages your site has is also another important part of getting a good Google ranking. Opinions vary as to just what constitutes an appropriate number of pages to attract the spiders, but it’s safe to say that the more pages you have, the more opportunities there are for you to be found. So start with twenty or so and add to them as you can.

You will also want to submit your website to the Open Directory Project. Google tends to favor websites that are listed here. Make sure to have your most important keywords in both the description and title. It’s generally considered best to submit your index page, then others if you can. Don’t fall prey to the desire to over submit your website information, as you can be penalized for this.

Finally, and perhaps most important, remember that content rules when it comes to both Google ranking and returning visitors. You want your website content to be informative and keyword enriched.

Using keywords in your content often is another way to increase the chances that the web spiders find you. You want to be sure to at least have your keyword in the title and first sentence. After that, you want to see that the main keyword, along with similar variations are included in the text.

Be careful, though, not to go too heavy on the keywords. Google can penalize you for this as well. Plus, keyword stuffed content often doesn’t make good reading for your visitors and can turn them off completely. You want your content to be both reader and spider friendly.

To make sure you have your web pages optimized, you will want to read as much as you can about the use of keywords. If you’re not a writer or the keyword density rules give you a headache, you can hire a freelance writer to do the writing for you.

Elance, Guru and Rent-a-coder are good sites to find writers who routinely do keyword article writing and for good rates. Leaving the writing to someone else gives you time to do what you want to do—concentrate on run.

Whitby s nautical heritage

Whitby's nautical heritage runs deep in the town's blood, and everywhere you go there are reminders of this affiliation - from the dark passageway leading to the old and evocatively-named Old Smuggler cafй, nestled unexpectedly between two modern shops on Baxtergate - to the more obvious reminders in and around the town's harbor.

Whitby's first and last link with the sea was fishing - ever since its foundation, fishing has been a means of supplying the settlement with food, but over the years fishing and ship-building were to grow from subsistence and small-scale businesses to become major sources of income for the town.

By 1706, Whitby was the sixth-largest shipbuilding port in the UK, building more than 130 cargo ships each year. The output of the local alum mines kept local merchant shipowners busy transporting alum for the textile and tanning industries, and the coastal trade in coal had a strong presence in Whitby.

Although the alum industry gradually closed down in the 19th century, rendered redundant by more modern dyeing technologies, by then the Industrial Revolution had led to an increase in demand for one of the fishing industry's most lucrative seasonal catches - herrings.

Once a year, in late summer, fishing boats from as far afield as Scotland and Cornwall would converge on Whitby, ready to take their share of the herring catch. Much of the fish was exported and for a time both supply and demand for the little silver fish seemed insatiable.

The period from 1753 until the middle of the 19th century also saw great wealth and success for Whitby's whalers, which although fewer in number could make huge profits from a single trip, creating a number of extremely wealthy men in the town. The whaling industry is commemorated by a huge whalebone arch, several times the height of a man, which stands at the top of the steps leading to West Cliff. Nearby stands an equally impressive statue of Captain James Cook, perhaps Yorkshire's most famous seafarer.

Today, fishing is conducted on a fairly small scale, with a mixture of a few deep sea trawlers, and rather more smaller boats which are used to catch the shellfish that Whitby is so popular for. Most of this freshly-caught produce will later grace the tables of luxury restaurants, both in the town and elsewhere in the UK. Its premium quality fetches strong prices and is one of the ways in which the fishing industry continues to survive in Whitby.

Many of today's visitors to Whitby are content simply to see, smell and occasionally paddle in the sea, but for those of a more adventurous or hands-on nature, there are a range of seagoing activities available.

Lovers of deep-sea fishing will find ample opportunities to practice their craft, with both group charter services and scheduled excursions available, often with all equipment provided.

There are a range of boat trips available in season, appealing to the inner child within us all - Whitby's old lifeboat makes regular trips around the bay, and for the more adventurous rides on a jet-boat are on offer.

3 ways to build a profitable opt in list quickly and easily

You finally realize that you need a good opt-in list. After reading countless articles and sought expert advices and have read many success stories of people creating a small fortune with opt-in lists you finally decide to have one of your own. Then it happens, you think you have known everything there is to know about opt-in lists and have followed their advices to the T and you still weren’t able to make a profit.

In fact, you may be losing money. You maybe hiring writers to help you out, or there are some expenses incurred, even if you have a big list, but only a very small percentage actually buys from you, your still losing profit. You’ll realize that after a few months when you see your statistics and sales figures.

So what could have gone wrong? Why have others succeeded where you have failed? The most common mistake is that you dived straight right in. You chose a topic where you think could be quite popular and would earn you money. This just not the case. Just because you wrote people from the list doesn’t mean they are going to buy instantly.

Here I will offer more advice, for those who have started an opt-in list and have failed, you can rejuvenate your failed venture. For those who are starting, here are three quick and easy ways to build a profitable opt-in list.

1) Get your customers to trust you and your products first. Just launching your opt-in list would not make you an expert and a believable seller. Put many articles first before you start an opt-in list. Write about the topic you know and have started and used for your site. Try to put forums first to gain knowledge about your customers about their wants and needs and target those wants and needs.

Join forums from other sites as well. Provide expert advices and recommendations. When you feel that people trust you already, you will be able to start your own opt-in list. You can build a base as well with other forum users. You can ask them to join your list. Friends are always good customers. Put up a link to your site so that they may be able to see what you're business is all about.

The certain truth is, the money will only come in when the consumers and subscribers believe and trust in you. They want a product or service that could be a good exchange for their money. People are not going to buy something out of your recommendation if they don’t know you.

2) Find a product or service that people want and need. Although it may not be your forte, if you provide a service and product that you have researched and learned about well, you can carry it on forward. Invest your time, effort and money that you could sell as well as the buyers or subscribers of your opt-in list can use.

While it is true that it is best to sell something that you have interest in, there are not many people who have the same interest as you if you decide to sell something that is not entirely popular or profitable. Do your research well and you would see the profits come in. Also provide your subscribers with promotional material that they could actually use and spread around.

3) Make friends with other opt-in list users. This is basically beneficial especially if it is someone who has already launched a successful opt-in list. These are people that have the experience in this venture and experience is still the best teacher. While there are many articles available for you in the internet to use, there is nothing like getting a first hand account from someone you trust.

Experienced opt-in list users will be able to tell you what to do and what not to do because they have gone through it. While different situations occur for different people, the general concept can still be very helpful. There are many things to avoid and these people will be able to tell you which ones.

Building a profitable opt-in list don’t just happen overnight. There are many preparations and effort to do. Opt-in lists are built from scratch, as your list grows, you should also maintain the quality of your list. Keep it organized and manageable. Get or hire help if need be, just make sure that your subscribers are happy and satisfied and they will be willing to buy from you.

Get out of debt plan-how to shatter your debt and start living the life of financial freedom

So what is the best get out of debt plan to help you become free and achieve your financial goals? Being in debt can be one of the hardest and most exhausting experiences you’ve ever faced. Waking up every single day being worried about where the money comes from takes a severe toll on your health.

This is the way that all too many people live their lives. They spend their whole working careers saddled in debt, and trying endlessly to catch up and eventually turn a profit. This is how the average person’s life starts.

They take out a student loan, and when they get out of college, they have to spend several years paying hat off, if not longer. Usually, shortly after they get married, buy house and take out a mortgage, and from there they end up stuck in debt for most of the rest of their life.

However, it doesn’t have to be this way. Fortunately, no matter how deeply in debt you may find yourself, there are some great ways to get out of debt and achieve financial freedom.

First of all, you need to realize that, no matter how much money you are making, if you are simply using it the right way, you will never become wealthy. So many people keep telling themselves that if they were just making more money, everything would be all right.

In reality, you can’t make more money until you learn how to manage what you’ve already got. No matter how much money you are making, there is almost always a way to become wealthy.

So what is the first step to get out of debt? First of all, if you have multiple debts to pay off, consider getting a loan consolidation in order to make the process of paying these off much easier.

An unsecured loan for debt consolidation can definitely make all the difference. Very simply, when you are forced to keep track of all the creditors you owe money to, this can make the process of paying off your loans much more difficult.

If one company tracks this all for you, and you only have to worry about paying off that one company, it makes the process of getting your bills paid off much easier. Once you've done that, set aside 20% of your paycheck immediately upon receiving it. Give away 10%, and invest 10% into your bank account.

This money will help go towards helping you get out of debt. The reason so many people find themselves in debt, including those who do make a lot of money, is that the money disappears as fast as it comes in.

The more they make, the more they spend. Therefore, when you take the time each month to immediately set aside 10%, this reserve will build up over time, and you will be able to pay off your debts faster than you ever imagined possible.

Obviously, this is just one plan to get out of debt, but it’s something you absolutely need to do, no matter how much you earn. Just remember, it takes discipline to not spend all your money immediately, but the financial rewards you will reap in the not too distant future, such as breaking free from your debt and achieving financial freedom, will be well worth the effort.

Finally, make sure you keep close tab on you finances so that you always know exactly where you are at, and how much money you need to be spending and saving each month to stay in good financial standing. Hopefully, this site will be of value to you as you explore more ways to shed aside your debt and achieve financial and life freedom.

Online museums aim to captivate xbox generation

Any parent concerned that the hottest new video games are the only activities that can hold a kid's attention can take heart.

Young adult fantasy novelist R. J. Nimmo says parents actually can encourage learning by combining children's computer skills and their fascination with fantasy-themed games. A great place to start, he says, is by logging on to the Web sites of the larger science and natural history museums.

"Today, museums are increasingly using their online presences to appeal to the level of sensory stimulation - to say nothing of the interactivity - demanded by the 'Xbox generation,'" said Nimmo, an expert on entertainment for children and young adults.

Nimmo says museums are bringing their collections to life for online audiences by offering an exciting program of online stories, games and activities. That's good news, he says, for parents looking for an educational way to keep "Tomb Raider"-obsessed kids entertained.

"The big draw with myth-inspired games like 'Tomb Raider' - especially for younger players - is that they can go on epic quests through ancient lands while doing battle with assorted mythic beasts," Nimmo said. "Museums' online activities let kids explore similar themes based on actual history instead of pure fantasy."

Nimmo - whose latest novel, "The Ancient Egyptian Ennead," is set in Egypt in the time of the pharaohs - has posted on his Web site several links to and descriptions of museums with the best online presences, including the Metropolitan Museum of Art and the British Museum. He says virtual museum-going has several advantages, including:

* Economics. "Going online to any museum is easy - and it's free," Nimmo said. "You can visit the world's great cultural and archaeological treasure houses all from the comfort of your own living room."

* Access. "If you live somewhere remote or have a large family and travel is a chore, virtual museum-going can be a huge advantage," Nimmo said. "Online access provides a fun and practical alternative. And best of all, there are no queues to see popular exhibits or to use the restrooms!"

Rewards credit cards - reward offers

Rewards credit cards reward cardholders for using the card. In essence, the issuer offers you a financial incentive to buy and use them. The incentive is offered in terms of rebates, store discounts, points that can be redeemed for specific purposes and airline flyer miles.

Choosing the rewards credit card that offers the rewards best suited to your needs is using your credit and your finances optimally.

Frequent Flyer Miles

It makes good sense for frequent air travelers to use a reward credit card that offers frequent flyer miles as a reward. These credit cards offer you points based on the amount of money you spend and the amount of airline miles you may purchase using that card. The best rewards credit cards offer you bonus points after initial purchases. If you have good credit, you can easily get a rewards credit card with a 0% introductory APR.

Cash Back Rewards

Cash back rewards give you bonus cash each time you use the rewards credit card at supermarkets, gas stations, etc. That way your rewards credit card gives you the option to spend the money as you please. The best rewards credit cards give up to 5% cash back and a 0% APR for up to 12 months. And to qualify for this type of card offer, you’ll need to have pretty good credit.

Some rewards credit cards give you the benefit of choice. You can choose either frequent flyer miles or cash back depending on your preference.

The very best rewards credit cards give you up to 6% back on purchases and gas rebates. But those offers are few and far between. Very good travel insurance, accident insurance and auto rental insurance are some of the other perks you can expect.

Entertainment Focused Rewards Credit Cards

Some credit cards cater to people who frequent movie halls, restaurants and generally go out a lot. Special offers and promotions are also offered to the owners of these rewards credit cards. Backstage passes, free music downloads and guest benefits are only some of the ways owners of this type of rewards credit card will benefit.

When applying for rewards credit cards remember that the best rewards credit cards are unique for each individual. Remember to take into account carrying costs of the card as well as details like the method of calculating interest. With the right homework and the right rewards credit card you may find yourself being able to take that perfect vacation…

How modern farming methods deplete our produce of vital nutrients

It’s an unfortunate fact of modern life. Even when we try to return to the wholesome goodness of whole – read, real – foods, something is lacking. Thanks to the various methods of modern farming and transport, even the whole foods we eat are lacking in vital nutrients.

While nobody would suggest switching from a diet rich in fresh fruits and vegetables to a diet of canned fruits and veggies – even with some modern farming methods depleting nutrients, fresh is best – it’s important to understand why your fresh produce might not be as fresh or as nutrient-dense as you think.

There are a variety of factors present in the field that can affect the nutrient quality of your fresh produce. Over the years consumers have demanded “prettier” fruits and vegetables, so fruits in particular are often picked when still green and ripen on their way to market. This makes them “prettier” but also leads to a reduction in overall nutrient value. For example, Cartenoid in fruits increase as fruits are allowed to ripen naturally, on the vine or tree.

There is a strong farmer reliance on chemical fertilizers and a relative loss of topsoil today. Though farmers replace much of the lost potassium and nitrogen, there is little attention paid to the loss of trace nutrients and minerals. These are the essential building blocks to good overall nutrition.

Once fruits and vegetables leave the field, they are often transported more than 1,000 miles to market. The older your produce, the fewer of those essential nutrients it has. It’s unknown exactly how much nutrient loss there is, but experts say produce slowly loses nutrients when stored in a cold, dark place for a period of time. Some fruits and vegetables are more prone to this nutrient loss and can lose as much as 50% of their phytonutrients in three to five days.

The combination of these factors along with the too-generous use of pesticides and unknown effect sitting on your grocer’s shelves has on your produce means there is an unknown detriment to your produce. Certainly there’s no argument that you should give up fresh produce altogether, but you also shouldn’t rely on fresh produce alone for your vitamin and nutrient needs.

Consider frozen vegetables and fruits as an alternative to fresh. While experts say fresh is almost always best, often frozen fruits and vegetables retain more of their nutrients since processing and quick freezing occurs literally almost in the field. And supplements can’t hurt. As we learn more and more about the nutrient-depleting methods by which our produce moves from field to table, experts say a smattering of vitamin supplements can help restore much of what our fresh produce might be missing.

Rinse and repeat for increased web site traffic

Every day on the internet brings a new rush to that favorite site. Online business owners who seek increased web site traffic hope that their web site is a favorite in the internet community. Recent surveys have indicated that the internet population now exceeds one billion people and web site marketers who crave a significant piece of that lofty figure are always searching for more visitors. As the competition multiplies with like-minded web site owners, most online business professionals are looking for that certain edge which will propel their sites ahead of the crowded and expanding marketplace. Although there is room for all online marketers in a burgeoning internet atmosphere, the battle for sustained traffic flow is becoming a situation that dictates an aggressive push to acquire more visitors.

The constant struggle for guaranteed web site traffic can sometimes lead web site owners to offer incentive-laden enticements. One such feature is centered on a referral program. Gerald Toomey operates several successful gardening sites and recently talked about the successes and failures of such a program. “Our original plan was to buy targeted traffic. A couple of years ago we changed that strategy and developed a script where we offered one of our most popular ebooks as an incentive. All they had to do was refer five email friends, but the program was not successful. We narrowed it down to three referrals and it worked to perfection. Our profits nearly doubled within a year”. According to Toomey, a referral script that comes with a genuine incentive and invites three email friends is usually effective.

The need for FAQs (Frequently Asked Questions) is tantamount for any successful online venture. This section of the web site obviously focuses on the most popular questions that customers and visitors tend to ask. Having such a feature eliminates the time that is required to ask and answer the same questions on a continual basis.

Two additional attributes should include a bookmarking script and the need for fresh content. The content of any successful web site requires meaningful daily updates. A bookmarking script that reads “Bookmark Us” is recommended, especially if the site is a popular destination. The online business owner may want to consider using a script that marks the site as a homepage. A “Make Us Your Homepage” script should be used only on sites that have the highest of rankings and has a hugely popular following.

Increased web site traffic is the goal of every successful online marketing professional and these previously mentioned steps can provide a strategy that is sound and reasonable. As the competition among online business owners continues to escalate, these steps can ensure a credible measure of success.

Saving money online with digital coupons freebies and comparison shopping

The Internet is a great invention for many different reasons. But, did you know that it can be a great resource for saving you money when shopping? You no longer have to clip coupons out of the Sunday paper; you can find them right at the tip of your fingers just by knowing where to look!

Coupons

One of the easiest ways to save money on the Internet is by printing online coupons. All you have to do is type the search criteria "online coupon" in your favorite search engine and you are on your way to savings! Here are some examples of great online web sites that help you save money:

CouponSurfer CouponSurfer has almost 300 coupons from over 100 stores on their web site. Do you need new brake pads on your car? You can save up to 50% just by filling out the free registration form at CouponSurfer and printing their coupon. Other recent savings at CouponSurfer were a 40-cent coupon from Tropicana, a 50-cent off coupon from St. Joseph's aspirin, and coupons from Pampers.

Hot Coupons Hot Coupons lets you type in your zip code or city name to find discounts offered in your area. You can find savings for local restaurants, automotive centers, health centers, retail stores, and businesses including real estate, lawyers, hotels, and doctors.

Also, pay attention to television commercials. Many times, companies coming out with a new product will advertise on television and list a web page where you can print a money saving coupon. A recent commercial from Febreze listed their web page address. By going there, you can fill out a form and have Frebreze mail you $20 in coupons for many of their products, including their latest electronic air freshener, NOTICEables.

Coupon Codes

There are also web sites that offer a percentage off online purchases. Ultimate Coupons is a great example of this type of online savings site. Ultimate Coupons constantly updates their site with the latest in online savings. A recent search showed coupons for 10% off at Target. com, 15% off Pet Supplies at Petco, and $5 off $20 on Digital Photos & Gifts at Snapfish. Many times, if you search online, you can also find codes for free shipping to places like Macys, Sears, Amazon, and Old Navy.

Freebies

Many web sites have user forums where people can share online savings and free offers with each other. Big Big Forums is an excellent place to visit to find coupon codes, freebies, and reward programs. Members (there are over 31,000) post different offers they have seen on television or found online. There are folders for each particular type of offer, so it is very easy to find things here. Once you register for free, you too can post coupon codes and freebies. You may even be lucky enough to get in on a free subscription to a magazine such as TV Guide or link to a free Schick Quattro razor.

Comparison Shopping

A great feature of many Internet web sites is that they will give you price comparisons of items for which you are looking. Froogle is Google's shopping search engine. All you have to do is type in the name of what you are looking for and Froogle does the rest! It will find web pages selling the item you are looking for and lists the price. That way, you can find the best deal available. There are several other web sites that will help you to do comparison shopping such as MySimon and Bizrate. Letting these sites help you find the best price can make every online shopping experience enjoyable.

Other web sites can save you money online too. You can refinance your home loan and find the lowest interest rates by searching at Ditech or search for the cheapest car insurance at Geico. How do you learn about all the sites available? The best way is to pay attention to the media. Commercials, newspapers, and magazines are always listing web sites. Also, join a forum such as Big Big Forums. When people share ideas and resources, it can be great for your pocketbook. Remember that every coupon and savings opportunity adds up!

Epa out for illegal imported engines

Air pollution and environment destruction is one of the major concerns that envelop not only environment agencies and groups but even the automotive world is concerned. And just recently, the Environmental Protection Agency, or commonly called the EPA, of the United States along with the U. S. Customs and Border Protection have made sure that any illegal imported engines are stopped before they cross the borders of the country.

Mainly, this move is to actually stop entrance of these illegally imported engines from entering the country. Primarily, this is because the groups believe that these engines could actually mar the campaign towards cleaner air. Since these are crafted in other countries, the US specifications on engines would surely not be followed.

At present, the groups were able to seize the importing of over 11,000 pieces of illegal engines which have been created for gasoline cars and diesel vehicles. Other than that, they are also on the move towards stopping illegally imported parts which negatively impacted those reliable car parts stores that are dedicated to providing only the best service to car owners. This number is only what they were able to confiscate during the past nine months. And with such a campaign already working well, the numbers could still continue to rise.

These substandard equipment are actually seen as risks to campaigns and projects created by the U. S. public health as well as by groups concerned about the environment. Even Granta Y. Nakayaman, the EPA’s assistance administrator under the Office of Enforcement and Compliance Assistance, is concerned and avows, “The Bush Administration will continue to enforce the Clean Air Act and stop illegal imports. The public’s assistance and cooperation, along with EPA’s commitment to enforcing these regulations, is essential to preserving and protecting the nation’s air quality.”

Aside from this, even the Clean Air Act or CAA which is a federal law, requires that all new gasoline engines as well as diesel engines that are created, distributed, or sold in the country should be able to meet the standards and requirements given out by EPA.

Fend off financial worries with military loans

You are a military personnel and all set to go on a mission. But before that you wish to go on a holiday trip with your family. You choose the best holiday package. Now the expenses involved are troubling you. The happiness of your family is your priority, so you cannot cancel the trip. If you are facing a similar situation, do not lose sleep. Military loans are here to provide you monetary assistance and help you preserve the smile of your family members.

Military loans are exclusively designed for those who are serving army persons and who have retired from the service. These loans can be used for a wide range of purposes. Some of them include paying off the outstanding bills, making improvements on car or home, going on a holiday and even child related expenses.

Military loans have many advantages. The interest rate charged on military loans is comparatively lower than the rates offered to civilians. Therefore, these loans are an appropriate solution for debt consolidation. Secondly, these loans are generally approved fast. The loan money can be sent to the borrower through e-mail, wire or direct deposit no matter in whichever corner of the world you are.

You can avail military loans even if you have a bad credit history. Though the lenders might charge slightly a higher rate of interest, yet negotiating with them can help you attain favorable rates.

The lender of military loans would require you to show the details about your military identification and your personal information. Your loan application is analyzed keeping in mind your level of duty, financial status, and credit score.

Military loans come in the following forms-:

.Disaster relief loan

.Bereavement loan

.Premier loan

.Career service loan

.VIP loan

Military loans offer flexibility in terms of repayment modes. If the borrower is not able to pay the loan in one payday check, then he can repay in next paychecks. If you require cash urgently you can also avail the benefit of instant payday military loan.

Before applying for military loans, one should explore the financial market to the fullest. There had been certain cases of treachery in the past. Some lenders had charged huge fees for the loan. So, the borrower is advised to be extremely cautious while choosing the lender.

Online request for military loans is far better than other transactions. Surf through the internet and try approaching a website that is fully dedicated and trustworthy. Fill in the online loan application form which is directly assisted with a military loan consultant.

Military loans are more like a tribute to the army militants. These loans provide monetary aid and help them to meet their various requirements.