Finance and Refinance

We are in a crisis. We face tons of finance problems. But it will no over. There will be much more finance problems in the years to come:

Finance problem 1: the pensions funds will collapse. Also, the fact that the private sector is based on stocks so much, any big market fluctuation will affect your pension. If you want to retire during a recession, well, to bad

Finance problem 2: the energy network must be completly change. We cannot support burning fossile fuels so much time. When the stocks will be finished, then it will be a big shock, followed by big finance problems in all industries connected with oil (car industry, airplanes, plastics, etc)

Finance problem 3: living on credit is un-sustainable. US citizens are in debt. The nation is in huge debt. The world in in debt. Everything must be leverage.

So, these 3 crisis will follow shortly. Hopefully we will not have other types of disasters, that will generate by themselves crisis (tsunami, meteor, terrorist attack, etc)

G20 just discussed that offshore tax heavens must dissapear, because there are too much money, as taxes, that are not being paid to governments. So they decided to kill offshore.

This is a petty because its a step to further globalisation. It will be very difficult for companies to be free of heavy taxing. Offshore was the last hope. Now it will not be the case. Offshore will be gone, the global government will come soon.

Here are my requirements for the best laptop:

- less then 2kg. If is 1 kg, is best
- minimum resolution 1024
- battery life: 6 hours
- windows OS
-illuminated keyboard
-

Also, in order to be really realy the best laptop ever, should be paid by someone else

Ever wondered what are the top selling phones? The cheap ones, the expensive ones? The CDMA phones or the GSM phones?

I believe that iPhone will be a breakthrough for internet usage on mobile phones. I know that in Japan, Internet is most use on mobile phones then on computers.

iPhone is a great step forward, because it makes fashionable mobile internet usage. I know that is not a top selling phone until now, but in time it will, especially if these guys *Steve Jobs ones, will make it global…

Right now, I know that Nokia is the top selling phone brand in the world. I am also a fan of Nokia.

The entire world is in debt. Every individual is in debt. Every company works on debt.

The financial teachings say that you must use other people’s money to evolve.

“Cash only” strategy is one that can save you right now. I read nowadays that with this crisis, the old school capitalism is dead, and it will be followed by an era of savings.

I personally think that the image of the crisis is too fresh in our minds, so people will be cautions with their expenses only on short term. An middle term they will be lured to enter again in the marketing/buying spiral. Cash only strategy helps you make a safe heaven around you and your finance. The credit card is a bad invention, that let simple, stupid people (which count for 95% of Earth population) to enslave themselves, buying on expense of their future life.

Actually, is a comparison that you can make with selling your soul to the evil one . You get instant reword on the expense of future life Using cash only can help you detox of this unusefull habit. Try for a week to pay everywhere only with cash. Sensing the hardcore cash, will make you more responsible, will make you more aware of the limits of your financial strength. Try hide your credit cards somewhere in the house and fight the instinct to use them. Also, using only cash, you will make a lot of savings.

You will not pay interest rates and commisions, and you will spend less. Because it will be more difficult for you to VISIBLY spend, versus credit card spendings, which are thin air… USE CASH ONLY for a week. And then use cash as much as possible. And after that, use a debit card, not a credit card, because debit card will not let you spend more then your limit

CASH ONLY strategy is good to survive during a recession, like this one, and make you a happy life.

Looking for SEO consultant? If you do, ask them the following question:

“If you are a great SEO consultant, why are you here? Why don’t you have your own sites and make money from them? Why you are trying to convince me something and why you are not focusing on your own products if you are a hot-shot seo consultant?”

The real gurus (seo consultants) are not selling their services to other companies. Are making their own money So good luck in finding a great seo consultant

I strongly recommend the best seo software I encountered until now. iBusiness Promoter.

The idea is simple: this seo software looks for various sites that are suitable for link partners, it finds the email addresses, it allows you to send automatic emails, personalized to these guys.

It saves a lot of time. Why this is the best seo software? Because it works. And is not like other SEO softwares, that claims to register automatic your link and it’s a crap.

Here it is the link to get more details for the best seo software

I searched on Google for several minutes TOP SELLING stuff, being interested in what are the top selling products on the internet. Very few results, so I thought to make a post for myself and other that are looking for this subject.

Top selling online
(in general on internet sells products that are standardized, that does not put any risks to buy them.
- electronics (iPod, XBOX, PlayStations, laptops, iPhone)
- adult stuff (actually this was what made Internet big. The adult needs, not the science needs made popular the www:)
- books (Amazon rulz).
- travel
- medications (skin treatments, drugs, etc)

Top selling books
- Bible (obvious)
- Harry Potter mania
Top selling albums
- Michael Jackson – Thriller
- AC/DC – Back in Black
- Eagles – Their Greatest Hits (1971–1975)
- Whitney Houston / Various artists – The Bodyguard
- Backstreet Boys – Millennium
- Bee Gees / Various artists -  Saturday Night Fever
- Pink Floyd  – The Dark Side of the Moon
top selling games
- Super Mario Bros
- Halo
- Pacman

top selling products
- government protection (everybody in the world must pay some taxes)

top selling artist
- Michael Jackson

top selling game
- Super Mario brothers

top selling book
- Bible

top selling cameras
- Canon Powershot SD 880IS

top selling phones
- iPhone (soon to be)
- Nokia
- Motorola

top selling brands
- Coca-Cola
- Nokia
- Google (this is number one)

top selling drugs
Aspirin

top selling song
Thriller, Michael Jackson

Here is a very good advice. Sell on the net only stuff that sells. If you have a product that is not performing, ditch it. Sell only stuff that sells. That have a market.

I’ve search on Internet for SEO Programs for years. And I found mostly junk.

Usually automatized programs are not very good, and Google can see patterns and disregard those optimizations done with SEO Programs.

For example, I paid for a software that will put my link and description in thousand of directors. Unfortunately, there were money spent in vane. Even now, after months, when I’m checking backwards links in Google those links are not showing. Very poor websites, with tones of lousy content. So, no real effect.

Also, I paid 40 USD for a SEO programs that will send classifieds over the internet with my ad.  Ads Blaster, or something. It didn’t worked at all. It seems that real professionals are avoiding as much as possible SEO programs

Now I found a super program. IPB (iBusiness Promoter). This software, even if it’s a little bit expensive (there are two variants: 249USD, 449 USD), is very good, because it helps you get incoming links. What this software program does is simply finding collateral sites (like yours) and helps you send emails to their “contact” emails, proposing a link exchange. So you just sent thousands of emails to potential partners asking them for link exchange

Also a cool thing is that they guarantee that you will be in top 10, or you get a refund

Click here to buy it

From thousands of SEO programs available on the market, I strongly recommend this one.