Tuesday, December 30, 2008

Selling Products Online: Writing a Good Ad

In my years of experience in the print and advertising industry, I found that writing a good ad is one of the most important keys in advertising. If you are currently selling products on eBay, eBid, Etsy, Bid Owl or other auction websites, it is important to write a good ad. This works well especially for advertising a business, or for informational advertising. Your ad can make or break a campaign. It's important that you have good content; All of the information in the ad should give an accurate description with correct information. Get to the point and give as much detailed information as you can without making it lengthy. If you are going to sell a product, here are a few tips how you can start writing your own ad.

  1. Have a few key words to make your ad catchy.
  2. Have a good design. If you can't design a good looking ad yourself hire a professional.
  3. Keep your ad short and sweet, with good content.
  4. Give accurate and detailed information.
  5. If you're going to sell a product, more pictures are always better.
  6. List contact information in case anyone has any questions.

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Tuesday, December 23, 2008

Bailouts: First the Banks, now the Auto Industry?

Over this past year many national banks have been in trouble. This happened because of bad investments and bad judgments of people that worked for these banks that did unethical loans. Because of the giant loss of banks across the country, the Federal Government decided to step in to bail out these banks in an effort to save the economy. Unfortunately it wasn’t a very well thought out plan. There were banks that used the money to pay themselves big bonuses and pay for luxury vacations, instead of using the money for what it was intended for. Then there were banks that used the money to pay for new investments, some of these banks didn’t even need the bailout money. Now the auto industry is seeking bailout money from the Government. Should these companies be bailed out? Or should they be held accountable for their actions, and file a Chapter 11 while they clean up their act.

The Government I think is going to go about this in a smarter way this time. Some things to consider are what will happen to the economy if they give the money to the auto industry? What type of stipulations will be enforced? We as tax payers do not have a choice. When ever the Federal Government gives a large sum of money to anyone, we pay for it, and usually the money comes from one of two sources, they raise taxes to pay for it or it comes out of social security.

Here are some additional articles related to this post.

How the Feds will Govern GM and Chrysler

Potential GM Bankruptcy Catastrophic for Economy

Wallstrip: Does the Auto Industry Deserve a Bailout?

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Tuesday, December 16, 2008

Making a Difference in Your Community

We have been faced with difficult times in our economy. Especially this year. The unemployment rate is high and may only get worse with all of the companies going bankrupt these days. Even if your not unemployed many peoples finances are tighter than ever this year. I have been thinking how can I make a difference in these difficult times? Here is a website I came across for additional ideas to make a difference. Charity Guide Even if you don't have money to donate, chances are you have something in your house that you can donate. All of these organizations welcome volunteers you can donate your time.

There are a number of charities looking for things you can donate that can be used items. Some items I never would have even thought of. There are many families living in shelters or apartments that have nothing.

  • Big Brothers Big Sisters - This organization will take used clothing, bedding, books, toys, recreational items, motor vehicles, boats, motor homes, airplanes, construction equipment,
  • Local Food Bank - I have donated food from my pantry. I look at the items in there and if they have been sitting there for a few months and it's not expired than I will give it to the food bank.
  • Local Shelters - Many of the local shelters will take clothes, bedding, toys.

Saturday, December 6, 2008

Money saving tips in today's economy.

With the the stock market down and the unemployment rate rising, we are now in a recession. There are many things in our future that could be uncertain, and there are many different things we can do to tighten our budget without giving up our way of living.

I have decided to share a few small things that I do that are ways you can save money. You may not all agree with these things but when you implement these things into your daily living habits, the pennies will add up and can make a big difference in the way you spend money.

  • Cleaning - Over this past year I have discovered I can make my own cleaning products much cheaper than buying them. My home made cleaners I have found that there are many other benefits as well to using them. The cleaners are organic which means less fumes and I think they work better than what I buy in the store. Some basic household products you might need are; Baking Soda, Borax, Vinegar. To make your own cleaners here is a website that has a few recipes.
  • Meal Planning - I haven't always practiced this, but when I do I find that I don't spend nearly as much at the grocery store. By making a list of the ingredients you need for meals ahead of time this will eliminate the unnecessary things that you throw into the shopping cart that you don't need. When grocery shopping I try to do enough shopping to last for a minimum of 2 weeks to eliminate the need to go to the grocery store more than 2-3 times per month.
  • Shopping - When doing any type of shopping make a list of the things you need to get and plan a budget for your trip so you don't overspend. When your shopping take a look at different brands of items and choose what is the most economically correct thing for you to buy. Most store brand items it doesn't make a difference when you compare to that name brand product. By purchasing more generic items you can often save money, but you should always do what's right for you.

Tuesday, November 18, 2008

Making Money with Photography

There are many ways to make money with your Photography. I am going to share with you some things to help give you some ideas on different ways you can sell your work.

You could do an online shopping cart. This can be an effective way to sell your products, but will require more work on your part because you will have to ship the items you sell. You may find that this may be an excellent solution for some products, while it may not be worth the effort for other types of products because you may have to have some inventory to sell your products. For ecommerce solutions this is what I recommend. Vstore

If you only have a few things to sell or a whole bunch of things to sell, I recommend opening an Etsy Store. This is a much better alternative to eBay. Keep in mind that Etsy is limited to the types of items you can sell.

The the most popular is online stores. You can create your own products and sell them in a variety of online stores that give you the versatility of creating multiple different products. Some of these stores offer everything from T-shirts to posters and books.
  1. Cafe Press
  2. Zazzle
  3. Spreadshirt
  4. LuLu
If you only want to sell your photos as prints or in a digital format, you can submit your photos to stock photography websites. These sites will pay you every time someone wants to use your photo. Some of these sites will only except specific types of photographs at specific times of the year. If you would like LayZ Daisy to use your any of your photos, this is the easiest way you can submit your work and get money. Please read Call for Entries for more info.

Monday, November 17, 2008

Be a Magpie on Twitter

You have probably noticed by now that I am a twitter user and I have written a few blogs about twitter. Did you notice I just added an icon in the right hand column of my blog? It is called Magpie. This is a great new program to bring you some income for referrals that click on your link. Here is how it works you click here to sign up.

Magpie works one of two ways to earn money for you. When you sign up as a twitter user Magpie will place a text add in your twitter account that is relevant to your tweets. You tell Magpie how often you want the add to run. You place an icon on your web page or blog. You earn money for everyone that signs up.

You can also advertise on twitter by using Magpie. You can use your earnings to run ads on twitter.

Tuesday, November 11, 2008

Banks in Trouble

In this troubling time in our economy, we have many uncertain things going on right now. Our real estate market is down, and the stock market has crashed. We are now in a recession that may take years to recover from. I am not writing this article so you will panic. I am writing this article to keep you informed in what is going on in the Banks today. This is a follow-up article to the the last article I wrote on September 30, 2008. This is part of the "Is your money safe?" series. With any article I write, I do extensive research, and usually provide some web links to verify my information. This is to ensure that you get the most accurate information that I can give you.

Most Banks are insured by the FDIC, Credit Unions are also insured by the NCUA. What this means is, your money that you have in your bank account located at each Bank and Credit Union is required to insure your money for up to $100,000. Bank watch list as published by The Bank Implode Meter, these are banks that have all been audited and written up for something. More information can be found on each individual bank FDIC, NCUA.

Level 3 watch Bank List.

  1. Fifth Third Bankcorp 11-06-08 (crashed, waiting on implosion)
  2. UBS Bank 11-04-08 (crashing)
  3. Mitsubishi Financial 10-27-08
  4. Citigroup 10-16-08
  5. Merryl Lynch 10-13-08 (may still come out alive)
  6. Bank of America 10-07-08 (settlement, not in the clear yet)
Failed Banks/ Credit Unions List.
  1. Security Pacific Bank, CA 11-07-08
  2. Franklin Bank, SBB, TX 11-07-08
  3. Freedom Bank, FL 10-31-08
  4. Alpha Bank & Trust, GA 10-24-08
  5. National City 10-24-08
  6. High Desert Federal Credit Union 10-17-08
  7. Meridian Bank, IL 10-10-08
  8. Main Street Bank, MI 10-10-08
  9. HBOS PLC 10-09-08
  10. N & W Poca Division Credit Union 10-03-08
  11. Watchovia Bank 9-29-08
  12. Washington Mutual (WaMu) 9-24-08
  13. Ameribank, Inc., WV 9-19-08
  14. Interfaith Federal Credit Union 9-17-08
  15. Lehman Brothers 9-11-08
  16. Silver State Bank 9-5-08
  17. Integrity Bank, GA 8-29-08
  18. Columbian Bank and Trust, KS 8-24-08
  19. First Priority Bank, KS 8-1-08
  20. First National Bank of Nevada 7-26-08
  21. First Heritage Bank N.A. 7-26-08
  22. Indy Mac Bank Corp 7-11-08
  23. First Integrity Bank 5-31-08
  24. ANB Financial 5-09-08
  25. Carnation Bank 5-09-08
  26. St. Luke Baptist Federal Credit Union 5-07-08
  27. Hume Bank of Hume, MO 3-10-08
  28. Douglas National Bank 1-28-08
  29. Huron River Credit Union 1-19-08
  30. Green Tree Federal Credit Union 1-19-08
  31. Metropolitan Savings Bank 1-19-08
  32. Miami Valley Bank 1-19-08
  33. Net Bank 1-19-08
  34. Sharebuilders Federal Credit Union 1-19-08
  35. Freemont General
  36. Bear Stearns
  37. Northern Rock PLC
  38. Coast Bank

Tuesday, November 11, 2008 at 11:27 AM Posted by LayZDaisy.

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Thursday, October 30, 2008

Twitter Marketing 101: Do you tweet?

Twitter has been the latest trend in social media network marketing. For those of you that don't know how twitter really works you are truly missing out on something huge. What ever your use for twitter it can help you meet other people that have the same interests as you. Twitter can help you gain an income that you may have never thought imaginable. It can and will bring more traffic to your website when used to it's fullest potential. Twitter is currently the fastest growing internet network marketing source on the web. You will find all types of people from all walks of life around the world that tweet on twitter. If you don't know what a tweet is, it is a short little sentence about what your doing in 140 characters or less. Here are some different types of tweeters you may encounter on twitter.
  1. One Timers - Those that sign up but never use it again.
  2. Occasional Users - Are those that use it once a month or less and for special occasions.
  3. Weekly Users - Are those that will tweet up to a few times a week but never daily
  4. Daily Users - Are those that use it at least once a day, sometimes will take weekends off.
  5. Extreme Users - Are those that use twitter every day and use all avenues and devices to tweet such as cell phone, Facebook, MySpace, Squidoo etc.
To be successful with twitter you should maximize the usage. This is one of the easiest things you can do that doesn't consume a lot of time.
  • Send a text message and tweet from your cell phone.
  • Link your twitter account to other network marketing sites. You can tweet remotely from these sites.
  • Follow everyone that follows you. By doing this you will create a snowball effect and get more traffic to your website.
There are many other ways to maximize twitter. How and when you use it can determine how successful you are. I initially started as a Weekly user, then graduated to a Daily user. When I was a weekly user I found that very few people were watching me and the amount of users were under 20. Since then I have graduated to a Daily user, my traffic on my website has more than doubled as well as the amount of people that watch me. I wen from 15 watchers up to 60 watchers in less than a one month period. I found that this was producing much more exceptionable results. So do you tweet? Which type of user are you? Find out what twitter grade is. I am trying the Extreme User method. Follow me on twitter and I will let you know how it works out in about a month.

Friday, October 24, 2008

Can your dog climb a tree?

These pictures were taken last weekend in an apple orchard where we were picking apples with family. Daisy somehow was fascinated by this tree. She had previously tried to climb a tree once before to go after a squirrel. I don't know if she thought anything was up there, but she got up in that tree without anyone to help her. She turned around on the tree limb and tried to get down. We did have to help her down. Daisy was too scared to come down on her own. I will be posting a video on YouTube.

Friday, October 10, 2008

Economic Crisis: How low is the market going to go?

The announce of the stock market crash on September 15, 2008 marketed the largest crash since 9-11, 2001. As most of us know the stock market has continued to crash everyday since. What most people don't know is the bailout plan was the government's way of placing a band-aid on a very large wound already in progress, to hopefully prevent a recession. If that happens, the depression would be larger than the great depression of 1929. Once a recession starts it usually takes many years to recover. This makes you wonder how low is the market going to go? I think unfortunately a recession has already hit. Many people are in denial. With Banks collapsing among other businesses. This leaves the next five years very uncertain. We need to figure out a better way to prepare for the future. Now in our country there is a record number of foreclosures, billions of people have no retirement and thousands of people are currently unemployed. This gives you some things to think about doesn't it. Here is what other people are saying about our economic crisis.

A Pastoral Strategy for an Economic Crisis

Declaring War on the Meltdown

Economic Crisis

Web Exclusive: Economic Crisis

Tuesday, September 30, 2008

Bank Watch List

This is a follow-up article on the the last article I wrote on July 28, 2008. This is part of the "Is your money safe?" series. With the crash of the stock market, as everyone knows there are even more banks introuble.

Banks are supposed to be (FDIC) insured by the federal government, Credit Unions are also insure (NCUA). 90 bank watch list as published by The Bank Implode Meter, these are banks that have all been audited and written up for something. This list keeps getting longer. The government with the current bailout plan proposed will not be able to save all of these banks in trouble.

Level 3 watch Bank List.

  1. Fifth Third Bankcorp 9-30-08 (crashing)
  2. National City 9-29-08 (crashing, waiting on implosion)
  3. Morgan Stanley 9-26-08
  4. Bank of America 8-14-08
  5. Merryl Lynch 9-15-08
  6. HBOS PLC 9-19-08
  7. National City 9-04-08
  8. Bank of America 8-14-08
  9. Citigroup 8-07-08
  10. Sun Trust 7-22-08
  11. JP Morgan Chase (near level 3)
  12. Goldman Sachs (near level 3, may still come out alive)
Failed Banks/ Credit Unions List.
  1. Watchovia Bank 9-29-08
  2. Washington Mutual (WaMu) 9-24-08
  3. Ameribank, Inc., WV 9-19-08
  4. Interfaith Federal Credit Union 9-17-08
  5. Lehman Brothers 9-11-08
  6. Silver State Bank 9-5-08
  7. Integrity Bank, GA 8-29-08
  8. Columbian Bank and Trust, KS 8-24-08
  9. First Priority Bank, KS 8-1-08
  10. First National Bank of Nevada 7-26-08
  11. First Heritage Bank N.A. 7-26-08
  12. Indy Mac Bank Corp 7-11-08
  13. First Integrity Bank 5-31-08
  14. ANB Financial 5-09-08
  15. Carnation Bank 5-09-08
  16. St. Luke Baptist Federal Credit Union 5-07-08
  17. Hume Bank of Hume, MO 3-10-08
  18. Douglas National Bank 1-28-08
  19. Huron River Credit Union 1-19-08
  20. Green Tree Federal Credit Union 1-19-08
  21. Metropolitan Savings Bank 1-19-08
  22. Miami Valley Bank 1-19-08
  23. Net Bank 1-19-08
  24. Sharebuilders Federal Credit Union 1-19-08
  25. Freemont General
  26. Bear Stearns
  27. Northern Rock PLC
  28. Coast Bank

Tuesday, September 30, 2008 at 10:47 AM Posted by LayZDaisy.

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Friday, September 19, 2008

Daisy & the Neighbor's Cat

I thought I would post this picture because I thought it was a bit unusual. Typically cats do not run from Daisy because they are bigger than she is. Instead she gets beat up allot by the neighborhood cats because they think she is obnoxious when she barks at them. This cat is Dexter my neighbor's cat. Daisy at first wasn't sure if she liked cats or not. On this particular day she was growling and barking at Dexter, even trying to bite him occasionally. The way she does when she plays with other dogs. Dexter doesn't seem to mind that Daisy is even a dog. He comes over to play with Daisy frequently. The two of them are now good friends and will play hide and seek from each other. Who says you can't teach a dog to like cats?

Tuesday, September 16, 2008

Stock Market meltdown, planning for the future.

I have been writing about the banks in trouble. I wrote my first article "Is your money safe?" On Monday, Wall Street had a huge market crash of over 500 points. This hasn't happened since the Stock Market Crashed on 9-11. This should be a wake up call that our economy is in trouble. One of the major losses was AIG. AIG has been one of the leading companies for retirement funds. They are going to be bailed out.
What does this mean for you and me? This means that ultimately we will be paying for this through our taxes. Why should we have to pay for this? It is not our fault. Between bad investments and bad judgments of other parties that work for these companies that lose your money, they should be held accountable. A loss of this scale the Federal Government has decided to step in to bail out all of these companies that have made bad investment choices. We as tax payers do not have a choice. If your wondering where the Government gets this kind of money, it usually comes from one of two sources, they raise taxes to pay for it or it comes out of social security. At this point my Dad is at retirement age, his retirement has already been lost by bad investment choices of others, he cannot live on social security when it has already been cut. More and more senior citizens these days are looking for work just to make ends meet. The cost of living has forced many people out of retirement.

Today you can’t count on the Stock Market as a reliable way to invest your money. This is why it is so important to plan for the future. Many American’s live from pay check to pay check, it’s hard to put any money away. Saving money and having a reserve supply of food storage that will feed your entire family for a year, can be done. Looking at your budget you can cut back things you don’t really need and put away that money you would normally spend and use it towards a savings plan. You can cook more and go out less, stay in and rent movies instead of going to the theater. To save for food storage it’s not as hard as it seems. When you go the grocery store, you can buy one extra item a month to add to your food storage. When you need to use items from your food storage before it expires, replace it with the same item that is newer. Eventually you have enough items saved up for your family to live on for an entire year. It is very important now more than ever to stick to a monthly budget and set limits for yourself. This is one of the keys to becoming financially independent.

Thursday, September 11, 2008

A day of Rememberance...

Today is September 11th. It marks the anniversary of the bombing of the twin towers in New York City on September 11th, 2001. This tragic event caused thousands of lives to be lost. In memory of those who lost their lives all Americans that can should display an American flag. Our American flag is the fabric that bonds us together and represents our fight for freedom, that others in history have given their lives to fight. Our patriotism has pulled us through tough times. Display your flag as a symbol that we support those families that have lost loved ones by this tragedy, and make a statement that the Terrorist will not win.

What were you doing on 9-11-2001? I was working at the time at a large printing facility. My company printed commemorative posters of the twin towers. I have a select few limited edition prints that I have listed for sale. Proceeds will go to charity. Photograph taken by Evern T. Brown, from the observation deck on Tower 2 of the World Trade Center, January 2001. "One Nation, Indivisible." Measures 38" wide by 13.25" tall.

This is a high quality un-framed print $14.95, includes shipping.

Friday, September 5, 2008

How do you get paid to blog?

I had someone ask me this question recently. Have you ever heard that you have to have money before you can make money? I found this is absolutely a false statement. There are many scams out there on the internet that advertise writing jobs, they ask you to pay a membership fee and they make it look like they are going to give you work, when in actuality they only give you a list of jobs you have to bid on then don't really tell you how to get that job. There are many places on on the web that are looking for blog writers or article writers. Any on the companies you pay anything for up front are all scams.

Is it possible to make a living as a professional blogger? Yes, it is possible to make a living doing it. It may take some time to get to that point until you become a recognized authority on what you are writing about. All of the items I am going to tell you about are absolutely free. Here are some things that may help you on your way.

First there are some questions you should ask yourself...
  1. What is your "niche" the thing you like to blog about? (This is where the key lies in finding a work in what you like to do.)
  2. What is it that drives you?
After you answer these key questions first go to the following websites to get more information on blogging.
  1. Daily Blog Tips
  2. copyblogger
  3. If you don't already have one, open a free blog account.
Here are some websites that are hiring bloggers:
  1. Elance
  2. Guru
  3. Practical eCommerce
  4. Blogger Jobs
  5. ProBlogger
  6. Jobster
  7. Freelance Writing Gigs

Wednesday, August 27, 2008

Top 10 Social Networking Websites

Social Networking websites if you don't already know is the hottest trend. Not only is it the hottest trend, it's all free and these networking websites will also drive more traffic to your website and expand your community of friends, business. There are new networking websites popping up everyday. Here is the current top 10 networking websites.

1. YouTube

2. Facebook

3. Myspace

4. Blogger

5. WordPress

6. Flickr

7. Freewebs

8. Squidoo

9. Twitter

10. Mashable

Saturday, August 23, 2008

Some people have too much money to spend.

Last Saturday, I went to a big rig truck show. The main reason why I was there was because it was a charity event. Needless to say... I like to take my camera with me everywhere, just in case I see something interesting. There were a few interesting things at this event. This truck was one of the most interesting things that caught my attention. It had to be the most money ever spent in a paint job, complete with accessories. This truck has my award for the biggest, baddest , most money spent on a paint job.

Friday, August 15, 2008

Video Marketing

Video Marketing is a great way to promote your website. Since I posted my first video on YouTube, I noticed that my website has had a huge increase in traffic. Also I have found there have been multiple sites that have picked up my video including other countries. The thing I love about YouTube, is you can type in almost any subject and there is a video about it. My conclusion is if you don't try YouTube, your missing out!

Here are some of the links.

The Long Dog Blog






Burma Videos myitworld

Monday, August 11, 2008

Adventures with Daisy and Jake.

On Friday, we had a Jack Russell come over for a visit. Jake stayed with us for a few hours as his owners were out of town and I had to wait until someone from their family got home from work. Daisy and Jake had a ball. Daisy would stand up on her hind legs so she would be as tall as Jake, then Jake would knock her down and lick her face. It was difficult to take some of these pictures because the dogs were moving so fast. Daisy had allot of fun and was sad when Jake had to go.

Friday, August 8, 2008

Something you should know about 08-08-08.

I thought I would post this blog today at 08:08 AM, because today is August 8th.

An interesting fact for today...
Typically the summer Olymic games starts earlier in the summer. The number 8 has some significance for the Chinese. They believe that the number 8 will bring luck and wealth, therefore they scheduled the 2008 Olympics to start on 8-08-2008, and will begin at 8:08 PM.

Thursday, August 7, 2008

The moment you've been waiting for...

Here is my big announcement. Seminars. I previously announced there would be seminars coming. A company that I have some involvement with is "PowerLinking". PowerLinking will be sponsoring a lunch seminar series. The best part about this first lunch seminar, is it will be FREE. This seminar is designed to empower people. So... what ever you are doing in life or wherever you want to go with it, this will be a great seminar to attend. A chance to network with other people and gain new ideas. If you are interested in attending, or have a seminar idea that would be of interest you, send me an email jannah3@gmail.com.

Location will be somewhere in SL County. Time and Date TBA.

Tuesday, August 5, 2008

Something New

I want to try something new. A new way to expand on everyone's network. I am going to expand my network of friends by posting a link to your site right here in my blog page. If there is something interesting about yourself you would like me to post, let me know.

Monday, August 4, 2008


There are so many different ways of networking on the internet, and I am finding out about more every day. This is a follow up article on my study with Twitter. After I listed my post, I now have more followers on Twitter. How do think this effected me? I now have more people paying attention to my blogs thus driving more traffic to my website. I believe with Twitter you can expand on your network of people and get people who are genuinely interested in your blogs to follow you. It's like having your own fan club.

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Friday, August 1, 2008

Why do you have so many ads?

I had a recent comment from a reader that asked this question. "Why do you have so many ads on your website?" This is a simple answer. The ads are there because I make money from them. I can't argue with free money. Everyone should be doing it. Everyone that is not doing it is missing out. The best part about placing ads on your site is it's absolutely free to sign up. With most companies you have 100% control of what ads will appear on your site. With google it's a little more complicated, Google has control, but you can either filter the ads you don't want, or enter in the keywords that you want your ads to target to (the most effective).

If you have any questions about advertising or anything else, just send me an email or post a response.

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Wednesday, July 30, 2008

Networking, Networking Networking.

I want to tell you how great networking community websites are. It all started with Myspace, Facebook etc. A new trend I am trying out is Twitter. It's all about what your doing. You can do it from your cell phone on the go. The big positive about network communities is that you drive more traffic to your website. I believe in turn you can make more money and sell more products my using Twitter. I am conducting a Twitter study of my own. I want to see how many people will "Twitter" me in the next 24hrs after I post this blog. I want to get their thoughts on how Twitter could capitalize on expanding their network.

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Tuesday, July 29, 2008

Pumpkin Pie in July.

I thought this was a little weird. My husband went to the store in search of Pie. He knew I hate Cherry Pie, the only other flavor they had in the bakery was Pumpkin. Strange but this is the first time I have ever eaten Pumpkin Pie in July...and I probably won't do it again. It's too weird.

Monday, July 28, 2008

Bank Watch

This is a follow-up article on the original article I wrote on July 16, 2008 "Is your money safe?" This is an update of whats happening with banks. Many of these banks were not previously on the list.

Banks are supposed to be
(FDIC) insured by the federal government. 90 bank watch list as published by The Bank Implode Meter, these are banks that have all been audited and written up for something. After doing a little research I found most of the banks on the watch list, many of the banks on this list are still in good standing. The ones that you will need to keep an eye on are the banks on a "Level 3". These are the banks that are in serious trouble.

Level 3 watch Bank List.

  1. Washington Mutual 7-27-08 (waiting on implosion)
  2. National City 7-24-08
  3. Fifth Third Bankcorp 7-22-08
  4. Watchovia 7-22-08 (waiting on implosion)
  5. Bank of America 7-21-08
  6. Merryl Lynch 7-11-08
  7. Lehman Brothers 7-11-08
  8. Bank of America 7-08-08
  9. Citigroup 6-28-08
  10. US Bancorp (near level 3)
  11. National City (near level 3)
  12. JP Morgan Chase (near level 3)
  13. Wells Fargo (near level 3, may still come out alive but not in the clear)
FDIC Failed Bank List.
  1. First National Bank of Nevada 7-26-08
  2. First Heritage Bank N.A. 7-26-08
  3. Indy Mac Bank Corp 7-11-08
  4. First Integrity Bank 5-31-08
  5. ANB Financial 5-09-08
  6. Carnation Bank 5-09-08
  7. St. Luke Baptist Federal Credit Union 5-07-08
  8. Hume Bank of Hume, MO 3-10-08
  9. Douglas National Bank 1-28-08
  10. Huron River Credit Union 1-19-08
  11. Green Tree Federal Credit Union 1-19-08
  12. Metropolitan Savings Bank 1-19-08
  13. Miami Valley Bank 1-19-08
  14. Net Bank 1-19-08
  15. Sharebuilders Federal Credit Union 1-19-08
  16. Freemont General
  17. Bear Stearns
  18. Northern Rock PLC
  19. Coast Bank

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Some interesting facts about the oil industry.

With gasoline currently at $4 per gallon (higher in Utah) have you ever wondered how much the oil companies are making? Big oil companies claim they are not the big winners. The average proffit margin for oil companies in 7.6%. Currently the oil companies are saying that the demand is exceeding the supply, which is why gas prices continue to rise. Independently owned gas stations are only making a few cents per gallon. The federal government is currently making .18 cents per gallon. State Government is making .22 cents per gallon. Distributors make .28 cents per gallon. Refineries make .36 cents per gallon. Oil producers are making $2.96 per gallon. When you add all of that up it calculates to $4.00 per gallon without the independently owned gas stations taking their cut.

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Friday, July 25, 2008

New ideas in upcoming seminars.

I have been talking with a few of my mentors and will be bringing some local seminars that you will be able to take advantage of. I am really excited about this because this is going to be Life Changing. Some real hands on opportunities on learning from the pros to be more profitable in your business or with your website. There will also be a range of subjects you will be able to choose from.

Stay tuned and I will tell you more.

Thursday, July 24, 2008

Some good news!

Today I recently found 2 gas stations that recently lowered their prices from last week, which was $4.17 a gallon for reg unleaded. Their prices are now $3.94 for regular unleaded. Even the local Sam's club that is usually supposed to be .05 cents cheaper, is currently $4.13. These prices are very good news considering how our economy has been going.

(Salt Lake City Area near point of the mountain)

Exxon Located on Bangerter Highway and west of I15
711 Located on Bangerter Highway and west of I15

Tuesday, July 22, 2008

The Power of Positive Thinking

We have lots of bad news going on in the world today. How you deal with that information is completely up to you. We may not be able to change the world, but we can always make the best of the situation by having a positive outlook and finding out how you can make your life or someone elses better. Positive thinking is one of the greatest powers that a human has. Negative thinking can only bring you more misery. With the power of positive thinking when things look hopeless to someone else, you have the power to think outside the box to find a solution. To create something better and to think of a better way of doing things. I firmly believe that the power of positive thinking can get you through anything. It's that one small thing you do for someone else that can change someones life.

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Thursday, July 17, 2008

The key to making money is Advertising.

As my ongoing campaign to help people make money, I really want to help everyone make money. I feel by doing this it will give people some hope and a way for everyone to make some money in our downed economy. I have blogged about different types of advertising. I thought I would take a slightly different approach to get the message out. The key to making money on the internet and getting noticed is advertising. This does NOT have to be PAID advertising. You just need to get the word out to get your site noticed. To key is to get on as many sites as possible with the most exposure possible. The second thing you need of course on your site is content. It has to be interesting enough that people will want to read it. The third thing you need is the correct key words to get noticed when plugging in your site. This can be the most difficult in generating the best key words to get you noticed that won't produce allot of junk. Here are a few FREE websites you can get signed up with that will help you to get noticed. I recommend signing up with all of them. Of course there are many other ways and sites to get noticed.
  1. Twitter
  2. Technorati
  3. Compete
  4. Alexa
  5. Google
  6. Blogz
  7. RSS
  8. Zimbio
  9. Blog Explosion
  10. ISEdb
  11. YouTube

Wednesday, July 16, 2008

Is your money safe?

I have never been the type of person that got involved in politics before. I feel the widespread panic going on in our nation is caused by our economy along with the monopoly being played with oil. I have a very big and new concern. Is your money safe? Banks are already in trouble. Are we headed for a recession as big as the 1920's? This is what I read on the front page of the morning paper. Look at today's headlines.

Stemming a Bank Crisis: Regulators, Banks Try to Calm Nation

Seeing Bad Loans, Investors Flee From Bank Shares

Economic angst: Could your bank be the next to fail?

Recession Watch: 5 Reasons Banks Face More Trouble

Banks are supposed to be (FDIC) insured by the federal government. 90 bank watch list as published by The Bank Implode Meter, these are banks that have all been audited and written up for something. After doing a little research I found most of the banks on the watch list, many of the banks on this list are still in good standing. The ones that you will need to keep an eye on are the banks on a "Level 3". These are the banks that could be headed for serious trouble.

Level 3 watch Bank List.

  1. Merryl Lynch 7-11-08
  2. Lehman Brothers 7-11-08
  3. Bank of America 7-08-08
  4. Citigroup 6-28-08
  5. Watchovia (near level 3)
  6. US Bancorp (near level 3)
  7. Washington Mutual (near level 3)
  8. National City (near level 3)

List of Failed Banks.
  1. IndyMac BankCorp
  2. Carnation Bank
  3. First Integrity Bank
  4. ANB Financial
  5. Hume Bank of Hume, MO
  6. Douglas National Bank
  7. Miami Valley Bank
  8. Net Bank
  9. Metropolitan Savings Bank
  10. St. Luke Baptist Credit Union
  11. Huron River Credit Union
  12. Green Tree Federal Credit Union
  13. Sharebuilders Federal Credit Union
  14. Freemont General
  15. Bear Stearns
  16. Northern Rock PLC
  17. Coast Bank

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Tuesday, July 15, 2008

Budgeting your money.

Sticking to a monthly budget is very important in keeping yourself out of debt. I have developed some spreadsheets that are designed to keep you on task. I look at them every Monday morning. These spreadsheets were designed to help you keep track of every penny going in and coming out. They can be easily customized to fit your specific financial situation. In addition if will help you keep track of interest rates and rebates you may receive.

Balance your monthly statements. Are you afraid to open the envelope? Do you hate doing it and put it off until its time to file your taxes? I have found by using my spreadsheet I don't hate accounting so much. I actually enjoy knowing where all of my money is going. This is a simple and easy organization method of budgeting your money. You use this in conjunction with your accounting software such as Quicken, Quickbooks, Microsoft Money. If you would like a copy of my FREE financial budget sheet, please send and email. This will be in Microsoft Excel spreadsheet format. If you need another format please specify.
Visit the Franklin Covey Outlet Store!

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Making Money With Affiliate Advertising

Have you ever wondered how affiliate advertising works? Here is some information I am going to tell you about, it's FREE ADVERTISING. Affiliate advertising is one of the FREE ways you can start making income on your site.
You can sign up for affiliate programs to sell things on your site. These programs that you apply to will give you a commission for every sale or lead. I Love Commission Junction because they do direct deposit in my account every month for affiliate advertising, and it is one of the most user friendly sites out there. How it works is you place a link such as a banner or text ad anywhere on your site. I recommend applying to programs that would be relevant to your site as well as places you would shop. There is now law that you can 't earn commission for your own sales unless otherwise specified by the program.
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What is AdSense?

If you notice here on my blogs I have Google ads. If you don't know what AdSense is, you should start using it. You could be missing out on a big opportunity to make some money with your blog. Google AdSense is an ad serving program run by Google. Website owners can enroll in this program to enable text, image and, more recently, video advertisements on their sites. These ads are administered by Google and generate revenue on either a per-click or per-thousand-impressions basis. Google is also currently beta-testing a cost-per-action based service. This is one of Google's free advertising programs you can join that will specifically target text or banner ads that are relevant to your site. I found it is also a complex program to use. I am still learning it and it may take me a couple of years to master it. There are also many other programs that Google also offers, such as Google AdWords, for those wanting to advertise with Google's targeted ad system.

I want to introduce you to my friend Joel Comm. He is the author of The New York Times Best seller, The AdSense Code" and the Host & Executive Producer of "The Next Internet Millionaire" reality show, Joel continues to produce top-quality resources and training materials that have helped thousands of people increase their online income. Well, Joel is thankful for the support he has received over the years, and he is doing something truly amazing to say "thank you".

It's been over two years since Joel last released an pdated version of his best selling "Google AdSense secrets" ebook. This book is the definitive guide to making money with AdSense and it is the only book you ever need to master AdSense. Joel regularly sells this book for $97.00. It's worth every penny. But what is doing now is going to send shockwaves through the industry! Joel has completely revised and extended AdSense Secrets 4.0 for 2008 to include all the latest AdSense cash-sucking strategies and techniques that allow him to continue earning over $500/day in passive AdSense income! So how is Joel saying "thank you" by offering this book? It's the price! Are you sitting down? You are going to think I am toying with you, but this is the honest truth...For a limited time, Joel is offering AdSense Secrets v4.0 to you for just $9.95! Yes, you heard me right! That's just $9.95!


Ok, I don't need to go on and on about this. Welcome to the biggest no-brainer of the year. Go pick up a copy of AdSense Secrets 4.0 right NOW while it is still priced at this amazing bargain of $9.95. You'll be able to instantly download your copy and begin implementing the same strategies and techniques that Joel and his customers have used to generate incredible passive income! Honestly, I don't know how long Joel will make the book available at this price, so I recommend you hurry and download it NOW! http://www.1shoppingcart.com/app/?Clk=2474771

I hope you have great success with this. This is a great opportunity to train you how you can start making some real money with AdSense.

AdSense Secrets

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Monday, July 14, 2008

Technorati is Cool!

I found a really cool site that I am excited to share a little piece of information about. This is so cool because you can look up any subject or blog and it will give a rating according to how popular it is. This is a way of easily filtering out what you really don't want to read. There are many other cool tools and widgets on this site that are very useful when trying to promote your website or blog. This is a great tool to add to your website. It's free to sign up, so check it out.

Technorati Top Searches

Technorati Profile

Technorati Profile

Tuesday, July 8, 2008

Legitimate online freelance jobs.

Previously I have blogged briefly by mentioning companies where you get get freelance work such as Elance. I am going to go more into detail on the top recommended companies and different types of programs they offer. All are FREE to sign up. You can either get work from these companies or look to hire work from these companies.

Elance is the top ranking company for many reasons. They are the number one company used by large corporations for farming out work. They have outstanding customer service and training. How they work is they will also pre-screen applicants for companies looking to hire for work. On Elance you can see job listings as well as free lance work. The positions tell you how much they pay, and how long the job will last. As an applicant you can pay a small fee and get certified in programs specific to your experience. What does the certification mean. This means allot to companies looking to hire you. Sure you can make money with out becoming certified, but you will usually find a higher paying job if you are certified. For freelancers Elance has all of the contracts necessary to start a job with a company. These are great because it protects the customer as well as the person doing the work and it is a guarantee that you will get paid. Here are some of the types of jobs available; Web & Programming, Writing & Translation, Administrative & IT Support, Sales & Marketing, Telemarketing, Legal, Engineering & Manufacturing, Graphic Design, Application Development.

Guru is another good company, I know of people that have used them. They are a very good company used by a large number of national corporations, and Guru has earned many awards for their work. They are similar to Elance in how they work, you put in a bid on the positions you are interested in. Guru does have an edge on Elance in that they have more positions in different fields to choose from. Here are some of the types of jobs available; Website Design, Website Marketing, Programming, Software Development, Networking & Hardware, Writing & Translation, Administrative Support, Sales & Marketing, Telemarketing, Legal, Engineering CAD, Architecture, Graphic Design Presentation, Multimedia, Illustration, Cartooning, Sculpting, Painting, Photography & Video, Fashion Design, Interior Design, Landscape Design, Business Consulting, Broadcasting, Finance & Accounting.

Worth 1000 is another way you can get work. It's a different type of site and is more for designers. Here you will submit a sample of your work according to the post that is requested. This operates in more of a contest format. Companies or corporations, will post a specific job for work. You will submit a sample, and if yours is chosen out of all of the entries they receive, you will be awarded the job. This site you are graded on your work and you will earn a rank according to your experience. Some items will post that you will earn points instead of money. Read each post carefully, some posts you will get both money and points if you win. Worth 1000 is limited in they type of work they offer, it's more for fun than anything else and has allot of great stuff to offer. Here are some of the types of work available; Logo Design, Creative Writing, Graphic Design, Presentation, Multimedia, Illustration, Cartooning, Photography.

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Thursday, July 3, 2008

I created a website and named it after my dog.

Yes it's true, I named my website after my dog. Her legal name is Daisy Trouble “Yippi” Indiana. By the looks of her name you would think that she was named by every member of my family. She has also been known by many other names...Crazy Dazy, Nut Case, Cocoa Puff, LayZDaisy. Just in case you are wondering what kind of dog she is, she is a Dachshund, which I have trouble spelling it Dashund. Click her to see Daisy on You Tube

My blogs along with the images on my site will change everyday. This site is not just about my dog. It features things like Photo of the day, Quote of the day, Random Facts, Word of the day. I also have some networking info with links to other sites and how you can get free information on building a residual income, how to become debt free, and avoid the scams. I can show you how to utilize free information to make you money without spending a dime. I know of people right now that make serious money doing this, with no MLM. www.LayZDaisy.com

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