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Archive January 2008

MY FAST TRAFFIC PROVIDER

January 06, 2008

Sorry, but the blog post could not be located.

Flixya, Traffic, Source, Traffic, Provider, Blog, Networking, Blogger, Blogs, Flixyan

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Writing Good Blogs

January 04, 2008

Sorry, but the blog post could not be located.

Blog, Blogger, Blogging, Blog, Content, SEO, Blog, Article

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Auto Loans: Don't Dig a Money Pit in your Garsge.

January 04, 2008

Choose the wrong auto loan and you might drastically increase the chances of defaulting and losing your car. Find out step-by-step how to avoid a money pit.

Car loans are certainly less costly than home mortgages, student loans, or other kinds of loans. So why do so many people end up defaulting and losing their cars? Find out these hidden dangers:
Biggest Hidden Car Loan Danger: The Inherent Money Pit

Unlike home mortgages, student loans or other big-ticket loans, car loans are inherently money pits. A house can build equity; higher education can increase earning potential; even jewelry can sometimes be re-sold for as much as was paid for it. If you borrow to buy one of those things, you may eventually get a return on investment. But every single car loses significant value and keeps losing it as time goes by.

Solution: spend as little on your car as possible.

Of course, in order to spend as little as possible over the life of the vehicle, you need to get a well-made, fuel-efficient car, rather than the one with the lowest price on the windshield.

But a pickup truck, SUV, sports car, or "luxury" model is a guaranteed money-loser. Don’t worry about what other people will think. Think about it: when was the last time you saw an expensive automobile and thought, "I really like and respect whoever owns that!"

The best buy? Many economists actually recommend buying a used car that's a year or two old. That way you can actually benefit from the fact that cars only drop in value. Even a car that’s just six months old may offer you a substantial savings. Just have it inspected thoroughly so you don't lose what you've saved on maintenance payments.
Hidden Car Loans Danger: Dangerously High Monthly Payments

Unfortunately, most people never figure out the total cost before signing on the dotted line. They end up staying up late at night trying to figure out how to make ends meet. They live in smaller houses. They skip going out at night. They don’t go on vacation.

All that sacrifice to have a brand-new SUV in the driveway!

Take a hard look at your finances, and figure out how much you can pay total each month for your car. Be sure to take into account insurance, tax, maintenance, and fuel. Usually, when people actually do calculate the total monthly cost of the car they’re considering buying, they’re amazed by how high it is.
How Much Car Debt Can You Afford?

1) Make a list of your average monthly non-car expenses, and subtract them from your earnings.

-___your monthly after-income-tax income

-___any other taxes

-___housing (including any fees and property taxes, and utilities)

-___food

-___health insurance or HMO

-___life insurance

-___debt payments

-___401 (k), IRA, or other long-term savings

-___short-term savings

-___telephone, cellular phone, cable, internet, etc.

-___entertainment and fun stuff (be honest!)

-___cost of yearly vacation(s) divided by 12

-___other expenses

= ____what you can spend on a car

2) Subtract your monthly car-related expenses from the amount you have left over from your other expenses.

___What you can spend on a car (from above)

-___Amount you’re spending per month on gas (raise or lower this figure depending on whether you are getting a car with higher or lower gas mileage).

-___Monthly maintenance (remember: your new car won’t stay new long, so maintenance will be an issue).

-___Monthly insurance (remember that for a new car, your insurance premiums may go up).

-___Tax.

= ____ Maximum monthly loan payment.

Now plug the number above into a vehicle loan rate calculator to figure out big of a car loan, and how much interest you can afford.
Final Hidden Auto Loan Danger: Unnecessarily High Rates

If you simply take the first loan the dealer offers you, you are probably paying too much. Do some comparison shopping on the internet, and bring a list of the best loans with you when you negotiate loan terms with the dealer.

Don’t let the dealer cheat you by shifting the cost from the car loan to the car price to the deal on your trade-in. Make sure you get a good deal overall.

Congratulations! You now are far better prepared to stay out of an auto loan money pit than the vast majority of car buyers.

About the author:
Joel Walsh is a regular contributor to Auto Loans :http://cars-auto-loans.com, where he writes about how you can get the best car loan

Auto, Loans, Auto, Insurance, Car, Loans, Loan, Payment

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I WILL REVIEW YOUR BLOG!

January 03, 2008

Sorry, but the blog post could not be located.

Share, Blogs, Blogger, Blogging, Weblog, Content

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Blog Your Business

January 02, 2008

Does your business need a blog?

A blog is a Web log, an online journal. Blogs started out as
online diaries, in which diarists shared their everyday lives
with the world. From their beginnings as a weird Web fad in 1998,
blogs have moved on, and are well on the way to becoming a
standard business tool.

Why? Because in February 2003 Google.com bought Pyra Labs, the
company which owns the Blogger weblogging tool. Blogger.com, one
of the main sites providing blog software and hosting, boasted a
million hosted web logs in early 2003.

Google.com's interest in blogs indicates that blogs are
mainstream. A blog help your business in many ways, depending on
whether you create a private or a public blog. Blogs are so
useful that you'll want to create both.

=> Your business's private, internal blog

These days, no one works alone. Even if you're a solo business
operator, you have colleagues --- partners, contractors, and
suppliers with whom you communicate daily. A private blog makes
working with a group easier, because you can streamline your
interactions, saving time and energy.

A private blog can contain notes to yourself, or to colleagues.
It's a place to store information and tips that might not warrant
a special email message. You can post information like meeting
notes, project tasks and summaries, and updated price lists. You
can also post links to large files --- no need to email, fax, or
mail them to and fro.

Your blog is more useful than email, because blog postings are
dated, and easily searchable. You can post a message you want
everyone to read, and the message stays on the blog. With email,
you read and delete, or read and forget.

If you've worked on a project with someone in another state or on
the other side of the world, you've blessed email, because it
makes sharing information so easy. Using a blog to share
information is even easier than using email.

=> Your business's public blog

A business blog is a marketing tool. A blog can add value to your
Web site, or it can take the place of a Web site. Look on it as a
combination "What's New" Web site page, and an online journal.
Because of a blog's freewheeling nature, it's friendly and
relaxed.

If you don't have a site, your blog's a place to put your online
CV, portfolio and client list. You can, and should, use your blog
to express your personality and expertise.

If you have a Web site, your blog page builds loyalty, because
if you provide interesting content, your visitors will return to
your site. And because it's a Web page, your blog will appear on
search engines, attracting new clients.

Google has been treating blogs differently from other Web pages
for a couple of years. Whereas it takes a standard Web page/ site
a month to be indexed by Google, blogs are indexed daily. This
means that your blog is mega-cheap advertising. You can post
something on your blog and have it indexed by Google within a
day.

Will creating a blog help your business? As I suggested in the
article: "Get Googled And Build Credibility", because Google.com
is so popular and indexes so comprehensively, if you focus some
of your marketing and promotion time on getting your name out on
the Web, you're building your credibility, both online and
offline.

(You can read the complete article in the newsletter archives at:
http://www.digital-e.biz/newsletter.html

--click the Archive button on the Newsletter page.)

So go ahead, blog your business!

=> Blog resources <=

Blogger -create your own free blog(s) www.blogger.com Blogger
provides a template for your blog, and makes adding to your blog
as easy as writing an email message. The "Post" and "Publish"
buttons on the interface update your blog.

Weblog.com --- recently updated blogs: http://www.weblogs.com/

w.bloggar --- http://wbloggar.com/A clever and useful little
freebie to write and format your blog posts offline, then
automatically post them when you go online.

Angela Booth's Digital-e Blog: http://www.digital-
e.biz/blogger.html

The Author:
Veteran multi-published author and copywriter Angela Booth crafts
words for your business --- words to sell, educate or persuade.
E-books and e-courses on Web site. FREE ezines for writers and
small biz: http://www.digital-e.biz/

Writer, journalist and author Angela Booth has been writing for print and online venues for over 25 years. She also writes copy for businesses.