Archive for September, 2009

30 SepShare Auto

When you walk past the prominent bus stands or bus stops in Chennai downtown, one thing easily noticeable by everybody is the share auto. Share auto is one of the new modes of transport in the various towns and cities of Tamilnadu. As I am one among the thousands and thousands of software engineers in this country, I used to travel daily from my place to office through share auto. When you go near a share auto you will easily hear the grueling sound of young boys, shouting very loudly to make their auto jam-packed with people. I am wondering about the lives they lead, after seeing the nature of their job. In this article, I have tried to find out the reasons, which drive them to do such work instead of attending school and have compared their way of life with mine.

Maybe they are one among the millions and millions of poor citizens in the country who have been deprived of their basic needs.

Maybe they have not been taught the importance of proper education. Maybe they are the sole breadwinners for their family. At that time, numerous such questions popped up in my mind. Few points came to my mind, when I sat down calmly and thought of this issue. I have listed those points below and tried to draw a comparison between their life and mine.

1) Within a few years of the current software industry boom, prices of essential commodities started to shoot up in all parts of the country, because of a corresponding increase in the purchasing power of the people. This change drastically affected the poor people. As a software engineer, I am earning more than Rs.1000/- a day whereas they are earning less than Rs.100/- a day on an average. Many a time, I have wondered how this amount could be sufficient for a family to have three square meals a day, let alone manage other day-to-day expenses? The above example is one form of development, which indicates a growing economy. This culture is similar to one, which is now existent in the U.S. i.e. Rich people are getting richer, and the poor are becoming poorer. So the gap between the rich and the poor has become very large.

2) These boys are wasting an important phase in their life – childhood. They are neither able to reap the benefits of education, nor are they able to enjoy the sweetness and innocence of childhood. The nature of their work literally robs them of their childhood by imposing rigorous physical labor on them at such a young age. If they are properly educated during this phase, they will probably have a chance of working in an A.C cubicle and earning a handsome salary in the future, instead of getting fried everyday under the hot sun. Maybe their parents themselves are illiterate and did not emphasize the importance of proper education to their children.

3) Generally young boys doing this kind of work may be seduced by all kinds of evil habits for want of proper guidance. They may take to these habits for the thrill of it or to escape the clutches of boredom. These boys spend most of their time idling away (as they have little work to do and live for the day) and as the saying goes ‘An idle mind is a devil’s workshop’. Sometimes they may fall under the influence of nefarious elements and become anti-social elements in the society. They may then have a corrupting influence on other young, innocent boys they meet, thereby creating a ‘ripple effect’, leading more and more children away from the path of education and honesty.

From the above points, I conclude that these people are more under-privileged than orphans in orphanages, because they don’t get proper education, they don’t have anybody to guide them in the correct path, they can easily fall prey to evil elements in the society.

After seeing the plight of these young and innocent, but unfortunate boys, I feel very much blessed by the almighty to lead a happy, content and peaceful life. I would like to acknowledge this blessing by saying a quiet ‘Thank You’ to the lord. Finally, I would like to conclude this article by quoting a message I remember:

“If you have food in the refrigerator, clothes on your back, a roof overhead and a place to sleep you are richer than 75% of this world.

If you have money in the bank, in your wallet, and spare change in a dish, you are among the top 8% of the worlds wealthy.

And if you get this on your own computer, you are part of the 1% in the world who has that opportunity.

Also If you woke up this morning with more health than illness you are more blessed than the many who will not even survive this day.

If you have never experienced the fear in battle, the loneliness of imprisonment, the agony of torture, or the pangs of starvation you are ahead of 700 million people in the world.

If you can attend a place of worship without the fear of harassment, arrest, torture or death you are envied by, and more blessed than three billion people in the world.”

30 SepOnline Marketing For Today’s Market

It is possible that Online Marketing can be the key to your future. That is true if you are willing to look at the market and adjust your business strategy accordingly.

The business world changes daily. This is true of brick and mortar business and it is true on the Internet and in the Internet based business. The speed with which you can adapt can be the difference between success and failure.

The choice is yours.

Targeted online marketing is your best bet for quick success.

Today more than ever you need to think outside the box even if in small ways because your customer is becoming smarter and they are becoming harder to please. That means that your business model needs to grab them quickly. They have precious little time to waste and if your campaign isn’t grabbing them they will move on to one that does.

Cheap online marketing might not be the best idea, remember the old rule, it is easier to keep an existing customer than it is to get a new one.

That is very true in the on line area where the competition is fierce because you are dealing globally and not just locally this is a tough area of online business marketing.

Online Marketing in today’s world needs to be aggressive yet passive. No one likes to feel like they are being forced into things. Your approach needs to make them believe that what you are offering is the best for them.

The sales pitch needs to convince them to use your product or service and if you want it to be mega successful today, you need to find a way to make your words do it in such a way that it makes it look like it was their idea. That way they feel really good about the decision and will refer people to you.

This is a great online marketing tip.

The Internet business today can be as much an art form as it is a job. The truth of the matter is that the more creative your approach is the more successful your business will be as a result. Direct marketing online is here to stay.

Your strategy here today can make or break your business. Using the right strategy can make a world of difference and can assure you a successful venture that will bring you rewards that are many times greater than the investment.

30 SepWells Fargo Reverse Mortgage

Reverse mortgages


Reverse mortgages are mortgages loans designed specifically for citizens who are 62 years of age or older. A reverse mortgage loan is one of the many benefits afforded to senior citizens in to allow them to live out their wonderful golden years in peace, tranquility, and above all else, fun. Most people are familiar with mortgage loans; this is because that almost all current and future homeowners are not able to pay for a house directly up front with out-of-pocket funds. So, almost everyone who is looking to purchase a house has to take out a mortgage. What continues is common knowledge, once a mortgage loan is taken out on a house, then the homeowner(s) must then immediately begin paying back the loan, which usually occurs in monthly payments. However, reverse mortgages are, well, normal mortgages that are completely reversed.

In a regular mortgage loan a person has to pay off his or her monthly debts to the mortgage lender, but in a reverse mortgage it is the lender who pays the homeowner. America’s leading reverse mortgage lender, as well as the nation’s most trusted, is the Wells Fargo Company’s reverse home mortgage. Wells Fargo Reverse Mortgages guarantees reliability to senior citizens interested in this type of mortgage loan. In addition, Wells Fargo Reverse Mortgage services are just as reputable as Wells Fargo itself (the likes of which is a nationally recognized and longstanding company specializing in mortgage loans).

A Wells Fargo Reverse Mortgage allows U.S citizens who are 62 years or older to be able to buy a new home without having to take out a new regular mortgage loan, or to pay out-of-pocket in order to obtain the house. Instead, a senior citizen can get rid of the headaches that come along with paying monthly mortgage fees by instead having money loaned to them in a lump sum, a monthly payment (assuming the homeowner continues to reside in the home, and does not become deceased), periodic credit lines, or a combination thereof. What the homeowner does with the money being received from the lender is up to the homeowner, unless of course the homeowner needs to continue paying off an already established mortgage, in which case some of the funds from the reverse mortgage lender must be used in order to pay the monthly mortgage payments.

You may be asking yourself why senior citizen is allowed to indeed receive money from a Wells Fargo Reverse Mortgage lender instead of pay money. The explanation is simply, when entering into a reverse mortgage the homeowner is giving the lender the right to take the proceeds from the sell of the home as payback for the money lent. So, if the homeowner must move out of the house and into the care of family, friends, or nurses at a retirement home, or if the homeowner becomes deceased, or if the homeowner wishes to sell the house, then the Wells Fargo reverse mortgage lender will receive the proceeds from the housing sell.

If, after the sell of a house, the amount of money made exceeds that of the loan amount due, then either the existing borrower or heir(s) will receive the difference. If the amount of money made falls short of the loan amount due, then the insurance company usually pays the difference. Wells Fargo reverse mortgages are perfect for senior citizens who wish to move closer to family or friends, or perhaps to a more convenient and placid location, or maybe even a dream spot. Either way, no senior citizen wants to have to worry about mortgage payments, especially after a long life of bill paying has already been dealt with, so, why not take a load off with a Wells Fargo reverse mortgage? Enjoy your life, and for once start receiving some money from the lenders, instead of giving money.

For more information please visit our website on Reverse Mortgage



Trinity Reverse is the leading Reverse Mortgage company serving California since 1984.

30 SepBenefit & Save Money With Magazine Subscriptions

Magazines are the media whereby you will get the chance to collect up-to-date data or relevant information according to the current trends. Magazines Subscriptions offer nice conveniences to their subscribers. In this current age, you can subscribe to your preferred class of magazine like art, sports, fashion, culture or health through the Net. There are several websites where you will get the option to check the price and selling rates of magazines.
Generally, Magazine Subscriptions are accessible for one, two or three years, but some can be as long as 5 years and a number of the magazine publishers supply life long subscriptions. Each kind of subscription has its benefit, depends on your interest, mind-set and taste. Because its depend upon the customers taste .How will he/she enjoy the magazine. How much he/she has taken interest in reading magazines. So, you can choose one year subscription because youre not very sure that you would love to read it forever.
Some of the magazine publishers offer you free gift with all of your Magazines Subscriptions. The gift can be a wrist watch, a vacation package, a beautiful flower verse or even a four wheeler car. You can also buy magazine subscriptions as gifts for others. If you have a friend or family member that is interested in music and films, you can buy them a subscription to an entertainment magazine and have it sent to their home! It will be a pleasant surprise for them to open their mailbox to find their favorite magazine. Some companies provide you package facility on magazines like 2 magazines for .00, 3 magazines for .00 etc But you choose the best for you.
So, if you are really fond reading magazines, then you have to go for the magazine subscriptions online. It will not only saves your cash or provides you free gift, but it also saves you valuable time and provides you enjoyable use of the magazines. Online magazine subscription sellers often have great deals on hundreds of different magazines. You can easily find magazine subscriptions for any kind of interests. Whether you enjoy reading them for information, news, or just to be entertained, magazines are great for all these options.
So, what are you waiting for? Subscribe your favorite magazines now!

30 SepCredit Crunch Money Making Ideas: Publish an Ebook

new credit crunch


With the Credit Crunch becoming a reality for many hard working individuals around the world money is now becoming an issue for almost everyone. Let’s face it, we’d all like to have the added security of making an extra buck here or there. Thankfully there are a few ways to make some extra cash. One of them includes taking your passion or hobby, no matter what it is, and turning it around into some extra income via selling online ebooks.

In the past it was, well how do I say, a pain to get a book published. An author had to go through a publishing house, which of course isn’t easy and can eat into the bottom line. The only other alternative at the time was self-publishing, a very difficult thing to do correctly, as one would need to pay printing costs, set up distribution networks, get bookstores to accept and promote the book, etc. Now the Internet has added a new and easy way to self publish.

Online services now as Lulu allow average internet users to upload an ebook, which is just an electronic version of a book. The service includes help in formatting, cover creation, etc. After a book’s style and look is finished the creator can sell the book online and create a tangible book that is also for sale. Lulu will print the book to the author’s specifications one at a time. This means the book will only be printed when a copy has sold, thus eliminating an costly overhead that traditional self-publishers had to endure.

Now you’re probably thinking, well, will my book sell? A few years back a writer by the name of Chris Anderson came up with the term “long tail”. Basically the long tail theory purports that a market exists via the internet for almost any product, no matter how obscure. So even if your hobby of choice is very obscure there is probably a market for it. This makes sense after-all. You found your hobby, so its safe to say that others have as well.

What do we have so far? The cost of production is zero initially, as you will only pay when physical copies are sold. Electronic copies are also created at no cost. On the sale of the both you will have to pay a commission and production cost, which is be expected. There is also the issue to shelf life. Depending on the topic of choice, your Ebook may have a long life that will span many years and many possible sales. And let’s face it, who hasn’t wished to tell people at a party “I’m a published writer”.

Frankly, you probably won’t get rich off of selling a self-published Ebook. But look at it this way, if you already spend a great deal of time with your hobby you might as well turn it in to something. The worst case scenario is that your next resume can include “published author.” In today’s credit crunch environment a little extra money and a new, bankable resume skill can lead to increased income now and in the future.



While others are busy complaining about the credit crunch you can do one of two things. You can either join them or make some money. Credit Crunch Survival is your destination for credit crunch specific money saving tips, money making opportunities and a slew of freebies to help you not only get through the hard times but to rise above it. Visit www.Credit-Crunch.ca today.