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Top 3 Financial Issues Americans Face Today

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Posted: Jun 23, 2008 |Comments: 0
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Times are tough for many Americans today. Some financial experts suggest we are teetering on the verge of a modern day recession.

Whatever the case one thing is true, we as Americans, are not financially prepared for the future. What is the definition of really being financially prepared? I believe financial preparedness is the result of having the following aspects in place:

To be DEBT FREE, a strategic plan to have all major debt reduced to nil come time to retire, mortgage(s)included

To have a working RETIREMENT plan, a strategically funded investment, designed to allow you to retire with all the money you need to continue your life style as you see fit, particularly a tax free plan not a 401K.

To have adequate INSURANCE protection, a whole life or fixed universal life policy in place to not only protect the family from the impending reality of life, but to also serve as the vehicle for retirement investments.

You see, most Americans today simply do not have a plan in place to achieve these goals and therefore are in real danger of finding themselves working as greeters at WalMart, in those most precious golden years. A harsh but realistic consequence for not planning properly.

I need to point out, that this is the mindset we are brought up with. Think about it, why is it that the richest 3% know so much more about finance than the other 97% of us? Is it the Ivy League educations or are they mostly just born into wealth or could it be that only those who pay for it, get access to it?

Maybe its only meant to be taught to the priveledged and not the rest of us, the truth is America makes a lot of money on our general ignorance. The banks know how to make and invest money, we all use banks, we pay their interest on their terms. We pay taxes and are told to invest money into our government designed retirement accounts such as 401K’s, etc. Why not, its to their advantage that we use these vehicles for our retirement investment as they take nearly half of it from taxation when its time to retire.

We are conditioned to do things a certain way, to trust the establishment, be good citizens, follow the leaders and live out our happy lives, quitely.

Consider, why we do not have classes in elementary or high school that teach our youth about the concepts of investing or retirement for their own benefit or perhaps world economics so we graduate international leaders who can actually solve our economic problems.

If our children understood finance and the dicipline of earning it and turning it into more through basic investment principles, perhaps there would be less crime and poverty, perhaps children would see a future for themselves that is not apparent to them today.

Only by first building a country where our children are brought up understanding the concept of finance and how it relates to their lives, can we fully begin to heal the damage generations of failed trust in relying on the establishment to do it for us.

Think about this, how many of us actually become engineers or physicists? We are forced to learn geometry, trigonometry, things that the majority of us will never use in real life. I personally, have been a mortgage planner my whole life and have not applied geometry or trigonometry once as an adult. But If I knew then financially, what I have come to learn though experience, wow would I have had a better head start on my own retirement plan.

Consider this scenario, Jon and Rebecca Smith decided to start an investment fund for their son Michael. They open a simple, but strategic, permanent life and tax free investment policy when Michael reaches the age of 10 years. They decide to use their annual tax return as the primary funding source for this policy and they maintain the monthly premium just as they would a regular bill (always consult your trusted insurance professional).

They then continue to build this investment until Michael reaches the age of 18 or graduates from college.

By then they have taught Michael about the purpose of this investment and what it means to his future, he then responsibly takes over the investment and manages it on his own from there.

If we teach our children about the value of saving money and what it can do for their future, it doesn’t take them long to grasp the concept. I’m suggesting raising a trust fund child, referring to a wealthy child with no real respect for the concept of earning money, but raising a child with the understanding that they, with proper discipline, can see a viable retirement a decade sooner than we ever could imagine for ourselves today.

Michael has a excellent chance of having all the money he would need to raise a family, build a life for himself and retire tax free because of a simple thing his parents decided to do for him all those years ago.

What would the world be like now, if our parents were encouraged to do this for us?

It would mean that we would have a nation where the majority of us were financially fit and healthy and no one would care for or about social security issues.

We would be self sufficient. We could even help to supplement our parents needs in those later years. Helping them retire to enjoy the remainder of their years. Not scraping away working at a WalMart.

I think the next thing worse than watching our parents retire in poverty is thinking of our children suffering the same fate. The only way to stop the cycle is to make sure, that we do not burden our children, all the while teaching them the principles that they can pass onto their children!

It all starts with us.

This is an interesting commentary and might provoke some thought from its readers, some of you might be saying, well, its too late for me to fix things, I am in my 40′s, 50′s or beyond.

Folks, its never too late to benefit from the same financial concepts banking institutions gain from. Its never too late to plan for a better future!

Learn as much as you can about how proper insured protection can be there to ease the things that happen to us all eventually. Talk to your financial advisor and insurance professional for more information on this subject and make sure your family is protected!

Live life with Abundance!

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JASON HOSKINS -
About the Author:

Jason Hoskins lives in S.California with his wife Laurie. Mortgage/Financial planner with 21 years experience.To learn more about these concepts visit, http://www.payitfaster.com/hvhgroup or http://www.hoskinsvanhorn.com. You may also email for more information to hvhgroup@aol.com.

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Analyzing Barack Obama’s Health Plan

Source: http://www.articlesbase.com/mortgage-articles/top-3-financial-issues-americans-face-today-459228.html

Article Tags:
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Retired Physician David Apple supports the idea of universal healthcare in America, and says on a practical level, it already exists in many American medical institutions. (00:48)

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How To SAVE $$$ HUNDREDS & MAKE $$$ THOUSANDS With The HOTTEST NEW BUSINESS OPPORTUNITY Going Today!

Posted on March 31, 2011 by admin

Hotel and Resort photography & video by PhotoWeb (photowebusa.com) Whether it’s the promise of excellent trout fishing or the convenience of several nearby businesses that lures you here, the Holiday Inn Express® hotel in Searcy, Arkansas is sure to meet all of your needs. This choice hotel is situated in the heart of Arkansas, Fayetteville Shale Natural Gas field near Harding University and Arkansas State University Searcy. Families enjoy lodging at our Searcy hotel near the Little Red River, as it allows easy access to several local hiking trails and beautiful outdoor facilities including Berryhill Park and Greers Ferry Lake. If you are looking to immerse yourself in local tradition be sure to do some trout fishing in the Little Red River, located just one mile from our hotel in Searcy, Arkansas. Hotel guests traveling on business are happy to know that we’re conveniently located near companies such as Yarnell Ice Cream, Chesapeake Energy, Eaton Corporation, Walmart Distribution, Southwest Energy, Vulcan Materials, and BJ Services. We want to make working out of the office easier so we offer a 24-hour Business Center, which is equipped with copy and print services. During your stay in Searcy, Arkansas our hotel staff invites you to make use of the quality amenities by taking a dip in the outdoor pool or soaking in hot tub after working out in the Fitness Center. We’re waiting to welcome you so make your reservations with us today! Hotel and Resort photography & video by …
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Make Your Brand A Beacon & Consumers Will See the Light

Posted on March 23, 2011 by admin

Make Your Brand A Beacon & Consumers Will See the Light

Make Your Brand A Beacon & Consumers Will See the Light

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Home Page > Advertising > Branding > Make Your Brand A Beacon & Consumers Will See the Light

Make Your Brand A Beacon & Consumers Will See the Light

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Posted: Nov 28, 2008 |Comments: 0
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Times are tough for retailers. Iconic brands from General Motors to Sears are struggling to survive. Starbucks posted a staggering 97% decline in the third quarter, and is shuttering 600 locations. Others like former electronics juggernaut Circuit City have already been forced to file Chapter 11. Sales are down at every major US retailer… except for one. Walmart has announced a 7.5% increase in sales for the first three quarters of 2008.

So, what’s their secret?

While they’re surely benefiting from the new frugality of the US consumer, the cha-ching of cash registers at Walmart can also be attributed to a sweeping brand revitalization initiative launched in 2007. However, that revitalization came only after a hard lesson in branding that the retail giant learned the year before.

In 2006 the company made a critical, and costly, branding error. Frustrated with stagnant sales and a low-end thrift store stigma that didn’t appeal to affluent consumers, management leaders at Walmart made the fateful decision to reposition the brand – and discovered the fundamental problem with the idea of brand repositioning: it rarely ever works.

Why They Did It, And Why It Failed

From humble beginnings in 1962, Walmart grew to become the world’s largest retailer by smartly positioning themselves as the low-price leader. Since founder Sam Walton opened the first Walton’s Five and Dime in Bentonville, Arkansas – and discovered that he could achieve higher sales volume through lower markups – the Walmart brand has boomed by becoming synonymous with discount savings. Today, nearly 100 million customers – almost one-third of the US population – visit a Walmart store in the US each week. These consumers site low prices as the most important reason for shopping at Walmart. The average US Walmart customer’s income is below the national average, and an estimated one-fifth lack a bank account. Over the years, facts like these fueled a litany of unflattering stereotypes that diminished the brand and dissuaded upper middle class and affluent consumers.

That’s why after nearly half a century as the low-cost leader the marketing team at Walmart decided to scrap Walton’s blueprint of reducing costs for working families (and the substantial brand equity that philosophy had created) and reposition the brand to focus on premium items to lure up-bracket clientele. Soon, new Walmart Super Centers – outfitted with wooden floors and wider aisles designed to compete with upscale competitors like Target – featured sushi bars and coffee shops with Wi-Fi internet access. Shelves were stocked with 0 bottles of wine, trendy organic foods, pricey electronics, and other high-end goods. Celebrity endorsements by the likes of Beyonce, as well as glossy ad campaigns in publications such as Vogue, heralded the new upscale offerings.

But shoppers didn’t buy it. Consumers couldn’t be convinced that Walmart was suddenly a luxury brand, and their traditional customer base – looking for deals on detergent and diapers, and not 0 a bottle merlot – was nonplussed. By seeking to expand into what they perceived as greener retail pastures, Walmart squandered their brand equity and alienated their core consumer.

Breathing New Life Into An Old Brand

Once it was clear that the brand repositioning was failing, Walmart execs gracefully shifted to a revitalization strategy. Whereas brand repositioning jettisons the equity a brand has built, brand revitalization honors that history, and builds on what made the brand great in the first place. Articulating the tenets of the brand in new ways to connect with contemporary consumers is what brand revitalization is all about.

To reconnect with their base demographic, as well as attract new customers, Walmart returned to the promise at the heart of their brand: value. The refocus on value is the result of an economic study commissioned by Walmart and conducted by research firm Global Insight, which showed that the retailer’s low prices saved US customers 7 billion last year – or an average of 00 for each US household shopping at Walmart. After 19 years Walmart retired its “Always low prices.” slogan in 2007, and unveiled “Save money. Live better”, as it’s new tagline. According to Stephen Quinn, Walmart’s chief marketing officer, “People know they can save money by shopping at Walmart. The emotional connection was what the savings allowed the family to do.”

And, what the savings might allow your family to do is brilliantly reinforced in television advertising. 30 and 60 second spots feature customers pondering whether to spend the money they’ve saved by shopping at Walmart on cars or family vacations. The ads close with the voice over “Walmart saves the average family 00 per year. What will you do with your savings?” It’s a powerful statement that resonates within Walmart’s demographic, and beyond.

Consumers seek security in brands, and at a time when many people are wondering how they’re going to pay the mortgage and put food on the table, Walmart’s brand actually offers hope – no celebrity endorsements required. It communicates that as tough as things might be, there’s still somebody on the consumer’s side helping them provide for their family. The resulting emotional connection has had a profoundly positive impact on brand perception. In an economic climate where frugality is the new swank, Walmart is suddenly chic.

A Beacon Of Hope

The renewed focus on the brand promise of making life better, or easier, or more manageable, by providing quality at a value, is also embodied by an updated visual identity, the cornerstone of which is an illuminating new logo.

On June 30, 2008, Walmart unveiled a non-hyphenated letter-mark paired with a stylized “spark”. Economy of shape and color make the new logo clean, concise and instantly recognizable. The spark icon conveys a host of positive messages, such as; bright ideas, a brighter day, the light at the end of the tunnel, or a beacon – perhaps even a beacon of hope. Exuberance and optimism burst forth from the vibrant symbol, signaling the brand’s positive, affirming attitude. Design critics have criticized the color and font choices, but in this instance those details are more subjective than fundamentally important to the strength of the logo. Overall the entire aesthetic is open, airy, contemporary, and yes, a bit more affluent.

The Moral Of The Story: Seeing The Light

Being flexible enough to adapt to market changes and consumer needs, without losing site of your core values, is what allows a brand to remain relevant and thrive. Learn from the mistakes, and triumphs, of the most successful retailer on the planet: know and respect your consumers, connect with them emotionally, and always honor those connections. Make your brand a beacon, and consumers will see the light.

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Ken Peters -
About the Author:

Ken Peters is the owner and Creative Director of nationally acclaimed Nocturnal Graphic Design Studio LLC, a Phoenix-based strategic design firm specializing in brand development and brand launch. View samples from Nocturnal’s portfolio at www.nocturnaldesign.com.

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Posted in Working Families For Walmart | Tagged Beacon, Brand, Consumers, Light | Comments Off

Man accused of assaulting girl at family fun center

Posted on March 16, 2011 by admin

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Since its inception, Pearson has proudly presented the annual Jumpstart Read for the Record Campaign, encouraging more than a million people since 2006 to help set a new record each year for the worlds largest single-day book reading. In the process, we’ve been helping to make sure that all young people across the United States have an equal chance to begin school with the literacy skills they need to succeed. On October 8, 2009, we aim to double that number in a single day. Together with record-setters everywhere well be reading The Very Hungry Caterpillar, by Eric Carle. In addition to hosting reading events with friends, colleagues, and educators from around the world, we aim to raise funds to support Jumpstart’s essential year-round work with preschool children in low-income communities across the United States. This years efforts come in direct response to what we learned by conducting the first Pearson Foundation Early Childhood Education Perception poll a nationwide survey that explores perceptions surrounding the reading inequality gap that exists between children in low-income homes and their more affluent peers. The survey found that far too few Americans understand the important connection between early childhood literacy skills and a life of sustained learning and success. Of US residents polled, 95% were unaware of the long-term importance of reading to children between the ages of three and five; 73% wrongly believe that unprepared kindergarteners will catch …
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Posted in Working Families For Walmart | Tagged accused, assaulting, Center, Family, girl | 2 Comments

How To Survive When Your Family Income is Cut By A Third

Posted on March 9, 2011 by admin

How To Survive When Your Family Income is Cut By A Third

How To Survive When Your Family Income is Cut By A Third

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How To Survive When Your Family Income is Cut By A Third

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Posted: Jul 16, 2010 |Comments: 0
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I woke up about 4:00 this morning to the sound of rain on my window. I was having a difficult time falling back to sleep, but I didn’t mind, I love listening to the rain. Living in California, we don’t get nearly as much as the rest of you throughout the country, so I love it when it is here. Plus, is there anything better than snuggling up in a warm bed listening to the rain? Okay, maybe there is, but it is certainly one of my favorite things to do. But, I digress, the reason I am so focused on the rain is because as I was laying there I thought about how cleansing the rain is. Doesn’t everything just seem cleaner (cars excluded) after the rain? Very purifying. That is when I decided to come clean about how I successfully maneuvered my family through a one third decrease in our income over the last two years. It has been a very painful, eye opening and cleansing process, but I am very proud now.

Yesterday I ran through my families estimated taxes, just wanted to make sure we didn’t owe the IRS anything before the 15th of January. When I pulled the numbers together, I had to show my husband because I almost fell out of my chair when I saw them. Our income was the lowest since before I started my practice in 2003. No wonder last year was so painful, we have two more children since then! I’ll explain more about why I was so proud later.

Some of you may know that my husband is an electrical contractor and he has his own business which he runs on the side. I have my own practice as a CPA. For the last five and half years we have been on the self employed financial roller coaster. With the economy the way it was last year, my husbands side business became almost non-existent. My practice definitely took a hit as well as the fact I hired a part-time employee. So, how did it all fall nicely into place?

The Purge – It all started in the summer of 2008. The poop was hitting the fan financially. That is when I started to realize we had completely over extended ourselves. That is when I accepted the fact that my very own actions had gotten us in some hot water. It was ugly. It was painful. But, once it was out, there was nothing left to fear. All my dirty laundry was out there for everyone to see and I was okay with that because now, maybe I can help others.
The Plan – Once all of the ugly stuff was out there, my husband and I made a plan. I bit the bullet and sold my one year old full size SUV for ,000 less than I owed on it. Not to mention the ,000 in depreciation it took in just over one year. Tell me that didn’t hurt! But, the fact of the matter was, I could not afford the 6 per month payments, so I had to make it work. We went through our financials and cut back wherever we saw necessary.
The Forgiveness - I cannot tell you how many times I have woken up in the middle of the night and lay there beating myself up about the decisions I had made in the past. But, there came a point where I realized that was not serving any purpose. As my husband always says, “It is what it is.” I can’t change the past, I can only change how I choose to move forward in the future and beating myself up is just not smart. So, I moved on and started to look ahead instead of in the rear view mirror.
The Execution – No, I swear no one was executed in this process! This is the execution of the plan. My husband and I started to keep meticulous tabs on our financials. Being a CPA, I have always kept close tabs, but I am talking about having a weekly budget and following it. Saying no to things if we could not afford it. Absolutely refusing to break out the credit cards for anything. And, slowly paying down the debt we had accumulated. We got rid of our pest control, our pool guy and our housekeeper. We started shopping only at Walmart and Costco. We cut our monthly budget by almost ,000. Was it easy? No. But, we did it and it was not nearly as bad as you would think it was.
The Proud Moment – Yesterday when I finished the numbers and saw how much our income had gone down, I felt a little deflated. But, then again, I think almost everyone is feeling that way right now. However, when I realized what we had accomplished, I was almost giddy. With our income as low as it was, this is the most in control I have felt with our finances since becoming self employed. I have plenty of savings, our debt is being paid down and we are not using any credit.

Should I have been more careful to begin with…yes. But, I have learned some valuable lessons and I don’t mind airing my dirty laundry if it means you learning something. I hope this gives you the momentum you need to finally take your financial life by the horns.

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Kristi LeGue -
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Kristi LeGue own her own CPA firm just outside of Sacramento, CA. Kristi is also a mompreneur and writes on her own BLOG at http://yourfinancialdiva.com

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Kristi LeGue own her own CPA firm just outside of Sacramento, CA. Kristi is also a mompreneur and writes on her own BLOG at http://yourfinancialdiva.com

Posted in Working Families For Walmart | Tagged Family, Income, Survive, Third | Comments Off

The Mission – Recession and Layoff-proofing Your Family Income Using the Internet

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The Mission – Recession and Layoff-proofing Your Family Income Using the Internet

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By: Kim Siani

Since 1997 my husband and I have owned a small family business but have never considered making it our primary source of income as we always had the security of his well-paying job. That so-called security proved to be more illusionary than we had seriously considered. Reality came crashing in when my husband’s employer lost an important contract, and subsequently he was laid-off from his job after 15 years of steady employment. Fortunately he was unemployed for only a month before finding a new job that paid him within the same salary range. That solved the income problem for the moment, but things were not the same. With the new job came the necessity of frequent business travel. His frequent jet hopping across the country was taking a toll on all of us, especially him. We knew we had to make changes. We needed to find a way to get him off the road and back living at home where he belonged. We needed more income. Enough to replace his current salary and we also needed greater income diversity so we would not have all our eggs in one basket so to speak.

We already had an ongoing small business, thus it seemed the path of least resistance would be to try and build the existing business up to the point that we could meet our income needs. In our family we have an inside joke; we call what we do “the mission”. Simply put, the mission is to find new and creative ways to leverage the power of the Internet to earn income and never be dependent again on a job that could disappear over night. The nuts and bolts of the mission means not just putting our existing business online, but also starting new types of businesses, and exploring new ways to try and tap into the vast stream of opportunity, security, and freedom that only the Internet can provide.

When I told my husband that I was fully onboard with what he wanted to do, he was so excited he couldn’t get the words out fast enough, he blurted out: “you need to know the business and all it encompasses, everything, we are putting it all on-line, you need to learn ‘internet marketing’, and ‘keyword research’ and the kids, the kids need to be doing this too!”

I thought I was pretty savvy just knowing how to do e-mail and basic Google searches but boy was I in for a shock, I had a lot to learn. It’s a big learning curve but we are getting better and better at this. The kids are onboard too and seem to take to it naturally. The fact that they now realize that they can make pretty good money is a great incentive to them; they love being on “the mission”.

Here is the thing that makes the Internet so powerful: Instead of being limited to selling products in our local market, we now sell our products all over the US using keyword optimization to help people find us and our products. Since more and more of our income is being generated from different sources, we are gaining not only a greater stream of income overall, but more importantly we are gaining income security. We are becoming layoff and recession proof. The goal of the mission is now well within sight.

If you would like to duplicate some of what we have done and are doing, I have some tips to share with you that could help:

Get into a small business, any business that you truly have a passion for.

Keep in mind that you need to figure out a way to make it work over the Internet. Choose your products and market accordingly. This is what makes it possible to enjoy a very flexible schedule, and even work from home if you so desire.

If you are going to sell physical products, you need to sell unique products that are hard to obtain from other sources. You can’t compete against the likes of Walmart. You have to cater to what is called a ‘nitche market’. Put simply it’s a group of people with similar interests who are not being properly served by all the other merchants.

Keep the physical end of your business as simple as possible, Keep costs and overhead low.

Just like any traditional business you need to be fully legal. Register your business. Obtain all the necessary permits, tax id etc.

Sell only quality products and / or services and stand behind everything you sell with a very strong guarantee.

Provide good customer service, be responsive.

And finally, start out small, reach a realistic and measurable goal and then keep setting more ambitious goals as you go along. Remember, every race that has ever been won has started with one small first step. Good luck on your mission!

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Kim Siani -
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Kim Siani has been a successful business owner for over 10 years. Kim, her husband Ken, their two children and her brother Mike, jointly own MasterCraft Sales , Their largest on-line venture to date is Etching Pros specializing in LASER photo etching; words of congratulations for a wedding , birthday wishes, anniversary wishes, are freely available from the suggestion box.

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Christmas Stocking Stuffer Ideas: Gifts That Work For Everyone

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Christmas Stocking Stuffer Ideas: Gifts That Work For Everyone

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Christmas Stocking Stuffer Ideas: Gifts That Work For Everyone

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It’s beginning to look a lot like Christmas already. Thousands of people have started Christmas shopping early due to the economic situation. It’s much easier to spread out christmas shopping over months instead of waiting until December. Even Walmart recognized the situation for shoppers by lowering prices on the most popular toys early starting October 10th.

There are thousands of lists throughout the web that are specifically geared for specific people. Stocking Stuffers for him, for her, for teens, golf lovers, coffee lovers and so on and so forth. Are there any lists that have universal stocking stuffers that can be used for anyone? In an attempt to make shopping a little easier, I’ve put together a list of things that you can put in any stocking!

Gift Certificates: Maybe not always the most thoughtful gift, but it works well for stockings. You can always buy thoughtful gifts to go under the tree. Find a gift certificate to the person’s favorite store or a place they frequent often. A Starbucks gift card would be great for someone who has to have their morning Venti White Chocolate Mocha before a hard days work at the office. Or perhaps an Itunes gift card for your teens so they can download the latest album from their favorite band! Those type of gift cards you would not have to add a lot of money either, maybe to .

Batteries: You know you will end up having to buy them anyway for the the oodles of toys under the tree, the handheld poker game for your husband or the new watch for your sister who can never seem to get to family events on time. You might as well put them in a stocking instead of wrapping them separately.

Ornaments: This is more of a thoughtful gift and one my own family practices. Each year my husband and I buy each other an ornament. You can find websites online that will allow you to put a digital picture on an ornament for memories and some allow text also. Imagine “Our 1st Christmas” “Baby’s 1st Christmas” and so on. They create lasting memories for everyone. This is great for kids in multiple ways also. Usually at school kids will create little ornaments for their parents out of clay, paper, or popsicle sticks that they could put in their parents stocking. Also by getting your kids an ornament every year, by the time they move out, they will have a bunch of ornaments that they could put on their own tree! It’s also a great way to remember your phases or hobbies since their are ornaments for everything from Bob the Builder to your favorite football team.

Event Tickets: Tickets are a great thing to stuff in a stocking. Mainly because they are small and cover every hobby, like or passion you can think of. Concert tickets for your 17 year olds favorite band. Movie tickets to the latest Pixar movie for your kids. Sporting event tickets to a hockey game for your husband. Event tickets to a craft expo for your wife. You could even give Lottery tickets if you have a family member who likes to play the lotto. Whatever your family’s passion you can find a ticket to cover it.

Chocolates and Candy: Always great as a filler, for the stocking anyways, not so much for your tummy. This would also be great to put in different types of chocolate or candy you might not always buy. Like green tea flavored Kit Kats from Japan. I’ve tried them and absolutely love them! You can’t buy them in the U.S. to my knowledge but that is the beauty of online shopping. Find something unique and different, but make sure to throw in a candy cane or two just in case the unique candy you picked out wasn’t as appealing to their taste buds as it was your eyes!

Magazine Subscriptions or Books: As I’m sure you know there is a magazine for any topic you desire. Get a subscription to fit your family’s hobbies. Books are great as well at least paperback novels, I think it might be difficult to put a large book in a stocking. You can find books from their favorite author, or books for your children, some of the older Beatrix Potter books are stocking stuffer size. Even if you have a baby or toddler, buy board books for them to look at and for you to read to them!

Journals, Diary’s or Planners: They are all along the same theory, buy one that is useful for the person you are picking it up for. A planner for mom or dad to keep track of the numerous soccer meets or work meetings, maybe a diary for a little girl, or even a small sketchbook for a boy or for small children to scribble in. Give them something to be creative with or something that is useful!

Craft Supplies or Pens: You can pick up different craft supplies for kids, crayons, markers, scissors etc. Those things could also be handy for moms as well! A nice ballpoint pen for adults, because everyone needs something nice to use at work that isn’t going to run out of ink in a week.

These are only some of the things you can pick up. The list is endless!

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Looking for more ideas? You can visit the blog Unusual Gifts For… to find unique and unusual gift ideas and reviews for every occasion! Including Top 10 Stocking Stuffers for Teens, Unusually Great Desktop Clocks and much more!

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Diaper Genie replacement parts are available at local baby stores, Targets, Wal-Marts and online at the Diaper Genie website. Order replacement parts for a Diaper Genie, which usually will come with a pamphlet on ordering information, with tips from a daycare owner and operator in this free video on childcare. Expert: Veronica Baragas Contact: www.mywigglesandgiggles.com Bio: Veronica Baragas was born and raised in Austin, Texas and has been working with children and families for 10 years. Filmmaker: MAKE | MEDIA
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Posted in Working Families For Walmart | Tagged Christmas, Everyone, Gifts, Ideas, Stocking, Stuffer, Work | Comments Off

Search Engines, the New Walmart for Local Travel Economies?

Posted on February 16, 2011 by admin

Search Engines, the New Walmart for Local Travel Economies?

Search Engines, the New Walmart for Local Travel Economies?

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The Information Age dawned with the internet, the reason the sun is still shinning on this age is the inception of Search Engines. We are now, all of us in their debt or held hostage for our access to information.

Looking for information in years past meant a trip to the library, looking in card catalogues, periodical indexes, etc. The information was arranged alphabetically, giving no more or less importance to minor or major works or sources. Today, the search engines have the difficult task of trying to organize and prioritize a much larger pool of pertinent information to help the researcher. In order to do this they have had to adopt certain criteria for choosing which material or web sites to present first for a given search query. The systems and criteria are having profoundly negative impacts on small businesses. The travel industry is a good case in point as even in the remotest “inbound” locations (travel destinations) throughout the world the internet and ability to create a web site are available. The same can be said for the other side of the coin. “Outbound” services (travel agencies) with the help of the internet allow an agency for example in Japan to be able to send American tourists to Europe. There in lies the problem.

In order to be “found” easily on the internet, a company or web site must come up on the first one or two pages of search engine results for a search query. People generally don’t have the time or willingness to search much further. The search engine companies necessarily need to choose criteria for their “ranking” of results in order to be of the most service to their clients. They must also battle companies who try to manipulate the criteria in order to raise the ranking of a web site undeserving of a higher ranking. There is an entire industry devoted to doing just that. It is called “Search Engine Optimization” or SEO. There job, often costing tens of thousands of dollars is to manipulate the search engines rankings. There is a war going on between people who want to buy their way into preferred rankings and the search engines who are trying their best to deliver fair and accurate search results. The criteria and tactics of search engines have been evolving, but four basic criteria seem to be surviving.

Compelling content, traffic, links from legitimate related websites and dynamics and age of a web site.

Large international travel agencies and dot com travel sites appear at the top of search result rankings because they receive a large quantity of traffic and their large marketing budgets allow them to use “pay per click” advertisements which appear at the sides of search results to enhance the traffic still further. These companies sell travel to every corner of the globe and receive traffic for people looking to go to every corner of the globe, unlike a locally owned web site which would receive traffic only for people interested in their one particular location.

The net effect of search engines criteria for ranking websites on local travel companies, the inhabitants of travel destinations throughout the world is to bury their company’s web sites near the bottom of search results, making them basically un-findable. Not being able to draw customers directly to their business they are often forced to work for the large international agencies whose web site is available on the first couple of pages of a search result or pay dot com travel sites for the ability to be seen. If the inhabitants of a destination are working for an international travel agency they are providing their services for a huge discount to their actual world value. If they are paying a Dot Com travel site their net earnings are also discounted.

Every day another international travel agency announces “their” new tour of some precious travel destination. These agencies make money marketing destinations throughout the world, but share none of the responsibility for the impact their clients will have or for the care of the immediate environment, nor do they pay taxes on the profits they make to the government which has the responsibility for the care of that destination. It would be as if someone offered tours of your neighborhood, promoted it on the web, made money from these tours, but had no responsibility for the maintenance of your streets, nor care about the impact tour buses would have on the general quality of life in your neighborhood.

There was a time before the existence and world wide use of the internet when these travel agencies provided a valuable service to their clients. They were accountable for their client’s experience and could offer the same level of service and accountability to destinations throughout the world. This provided a sense of security for the traveler. Now, the value of that “homogenized” service is debatable. With the rise of many popular travel review websites, anyone anywhere in the world can know before they go into whose hands they are intrusting their vacation (www.cometogalapagos.com)

Dot com travel sites are essentially new age telemarketers and present an opportunity to large international travel agencies where they can pay for a preferred location within those sites. Small local companies can not afford the fees for preferred placements within dot com travel sites which occupy many of the first results for a search engine query regarding travel and again, just as international travel agencies make money marketing destinations throughout the world, they share none of the responsibility for the impact their clients will have or for the care of the immediate environment, nor do they pay taxes on the revenues they earn marketing a specific destination to the government of that destination.

Part 2- A Case Study of San Cristobal, Galapagos

Part 3- Solutions for both travelers and local governments

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Rick Schleicher -
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Galapagos Citizen

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Galapagos Citizen

some good news for some families living at an albuquerque apartment complex that hasn’t had any heat for four months. the city says the families can stay — as long as their heaters can be repaired. misa maruyama is live at atrisco and iliff — where contractors have been working to fix the problems. contractors are working to repair broken heaters — after getting a downpayment from the landlord. the city says the heaters could be fixed in three days. but the tenants are still worried about their health — and angry at their landlord. today another family called for help because their baby girl was throwing up. you can imagine why they’d be worried. seven people at the western palisades complex got carbon monoxide poisoning yesterday after using their ovens to keep warm. families told us their heaters were too dangerous to use. we saw a spark, and we were like what is that? there was fire. there was fire in there. last night the gas was shut off… wal-mart donated space heaters so families could stay in their apartments …. but many tenants are angry with their landlord. he wouldn’t do anything about it. he wouldn’t help us. he wouldn’t fix it. we took the tenants problems to the landlord –who actually lives in california. they say they haven’t had heat for weeks sometimes even months. they say that some of the heaters were on fire. they say they went to you to get help and nothing was done. ray trujillo told us he gave tenants his phone number — and tenants can call …
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WHICH WATER FILTERING SYSTEM WORKS BEST

Posted on February 9, 2011 by admin

WHICH WATER FILTERING SYSTEM WORKS BEST

WHICH WATER FILTERING SYSTEM WORKS BEST

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WHICH WATER FILTERING SYSTEM WORKS BEST

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Posted: May 24, 2010 |Comments: 0
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I did some research on which water filtering systems work best. Through this research, I came upon a website called ConsumerReports.org did a comparison of 27 models of water filtering systems using some of the following requirements:

v filtering effectiveness

v ease of use

v Ultimate taste

The site relied on lab tests for lead and chloroform bacteria to indicate overall filtering effectiveness, the filter’s flow rate, clogging and the removal of bad tasting water.

Most experts recommend that lab tests done by NSF International, which certifies specific water filters, informs the public which contaminants certain filters reduce and by what percentage. All of the water filters recommended have been certified. Consumer publications like Good Housekeeping have limited information on specific brands of water filters. However, Good Housekeeping Magazine as well as other family publications, do offer solid insights about different types of water filters, prices, filtering ability and quality. The website ConsumerGuide.com also reviews several water filters on value, performance, ease of use and features.

Furthermore, it is advisable to go on these websites and read a few of the actual or reviews by people who have purchased these filters in the past and rate them from on a scale of 1 to 10. You can go to websites like:

Amazon.com
Sears.com
Target.com
Walmart.com
Drugstore.com

To review the entire comparison of all 27 models, I would recommend going to ConsumerReports.org website and browse around and make the decision on which filter is best for your household.

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Are you looking for more information regarding Water Filtering System ? Visit http://www.best-water-filter-guide.com today!

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Social Work Scholarships Graduate School – Register for $10K Scholarship Drawing

Posted on February 2, 2011 by admin

Social Work Scholarships Graduate School – Register for K Scholarship Drawing

Social Work Scholarships Graduate School – Register for K Scholarship Drawing

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Home Page > Education > College and University > Social Work Scholarships Graduate School – Register for K Scholarship Drawing

Social Work Scholarships Graduate School – Register for K Scholarship Drawing

*** Click Here to Register Free for your ,000 Scholarship ***

Posted: Jan 06, 2010 |Comments: 0
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There are various Social Work Scholarships Graduate School you can apply for to help with your college costs. Here are a few of these Social Work Scholarships Graduate School you can look at. Improve your chances of getting more scholarship money by performing your own scholarship search.

Probably one of the easiest scholarships to apply to, the K scholarship at ScholarshipZone.com is available to most students as well. To apply, you just need to be a resident of the United States and at least 18 years old. To enter you just need to register at the website. Don’t miss the deadline, so register soon to enter the next drawing.

You may want to check out the scholarships offered by the Family Foundation of Walmart. ,000 per year for 4 years is the reward from this fellowship. You need to have been out of school for a minimum time of a year to be eligible to apply.

Another scholarship you may want to apply for is the Carnegie Writing Scholarship. A minimum of two years of college is required before students can apply for the scholarship. Also, the use of foreign language is a plus.

*** Click Here to Register Free for the Social Work Scholarships Graduate School ,000 Scholarship ***

To recap, don’t forget that apply for scholarships can be a numbers game so apply for as many as you can. Don’t risk the chance of missing on deadlines so start now.

When applying for the scholarship opportunities that you want to focus on, it can be a good idea to recycle your scholarship essays. Doing this will improve your chances of actually getting scholarships and will make your tuition payment time much easier.

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