friendshelpingfriendsnow

Funny video: Stay-at-home-dads going to hell!

2009-06-11T08:31:00.000-07:00

So - you want to be an Affiliate Marketer?

2009-05-27T11:38:00.000-07:00

You have already informed yourself about Affiliate marketing and you have learned that the money you can earn this way - is pretty much unlimited. Now you have to figure out - how to advertise, write articles etc.
I will introduce you to some of the things my friends and I have explored and subscribe to.
I will pass these on to you.

click here this will take you directly to the website - or read first:

Automated Sales Systems are a 'must have' when it comes to running ANY online business.

Your online business needs quality Sales Systems to provide sales, lead generation, newsletter subscribers and multiple marketing opportunities.

These Automated Sales Systems should provide internet entrepreneurs the tools, training and automated lead generation for those who have or are seeking to start an internet business to eliminate the reasons many home business ventures fail.

Automated Sales Systems that automate sales, lead generation, recruitment of newsletter subscribers and customer handling are the key to any marketer's success and minimize the premature failure of the small business.

click here

According to David Lockley a truly adaptable automated sales system should:

- Sell any product, service or opportunity
- Be easy to set up
- Be set up in less than 15 minutes
- Not take up any more than an hour a week to maintain
- Easily capture lead details
- Allow you to easily keep in contact with your leads and prospects
- Allow for automated messaging with your prospects

David Lockley has developed an outstanding automated sales system; it takes less than 15 minutes to set up and can be rolled out time and time again to sell any product or service.

click here

Without prospects or traffic to your website your business is dead. The key to web traffic is lead generation; specifically automated lead generation and sales.

Don't let your business fail through the lack of an automated sales system, choose the right one and you will see your business flourish.

You like this and you want to learn more?

click here

It took almost a year for me to sort out what would help me and work for me. Subscribe to my blog to see more each day - it will save you a lot of time. You can also visit my website and see free stuff and ideas you can use.

See you tomorrow,
meevamarie

Do you TWITTER ..ohm.. TWEET?

2009-05-18T14:40:00.000-07:00

A few days ago I found a video which explains Twitter and what tweeting is all about. Here it is..
It is really good information and helps demystify the ideas of needing 1 million followers!

That's it for tonight
tomorrow - golfing!!!

This is me- meevamarie

A Found Treasure

2009-05-15T00:53:00.000-07:00

Most people know that I am a super Fan of Kim's program INSTANT PAYDAY FORMULA.
Here is a "birds eye view" of her program to give you a better idea.
The video was made by Travis - who branded himself as the Bum marketer. I've been getting his emails for a while, and in fact, it was his mail about Kim which prompted me to purchase the program. I will let the video or Travis speak.
You can click on this video which will take you to Youtube and other videos about Kim's program, reported by any number of people. Everyone who makes money on the web loves it!

If you wanna get "on the band wagon" - click HERE

awesome Video for NEW Program

2009-05-14T15:55:00.000-07:00

Dream Job - Affiliate Marketer

2009-05-14T13:51:00.000-07:00

I know it's been a few days, but I've been busy reviewing a few programs I'm interested in pursuing.
By the way - in the future, you will find me blogging @ www.e-BizBlogger.com Doors are not yet open :)I will let you know when... :))

I didn't want to delay sending you this program -

An Affiliate means basically being a Rep for any companies who sells the kind of programs or goods you would buy yourself.
Every time someone purchases through your link, you earn a commission. Now you don't even need to have a website you can just blog. You will need hosting for your blog and there are several companies who can do this for you. I am posting some on the bottom of this blog.

This BLOG in particular- is about my favorite person Kim Roach, and her program, which I own - also my favorite. Her program is all on video and easy to understand and follow along.

Kim's from Kentucky and has really been working hard, and as another friend commented...:

she's been throwing down some seriously SMOKIN' daily numbers...

Kim calls it Instant Payday Formula...thing is...
I think it should be called the COMPLETE... Payday Formula

because it includes 30 videos and an instructional manual that

is 182 pages of serious traffic strategies.

If you've ever wanted a COMPLETE video series that walks you

through start to finish on how to get going online...

And...

Have it all in one convenient place...Kim is the

"Kentucky girl" for you :-)

The complete AND instant Payday Formula

Plus...

Take just one or two of her easy, new traffic strategies she

teaches and you'll be in profit pretty quick.

Click below:

Links for hosting:

Compare values - they are all great companies! (I'm their Affiliate Marketer- you can be too)

Gourmet Home Baked Bread

2009-04-27T14:09:00.000-07:00

Ingredients:
2/3 cup warm milk (90-100 F)
2 beaten eggs

- I combine the beaten eggs with the warm milk. Pour in bottom of machine
then add all dry ingredients, cut butter into 4 pieces and place in each corner, make well in center of flower and add yeast 0 do not let yeast get wet.

3 cups bread flour,
1 1/2 Tsp sea salt,
2 1/2 Tbsp suggar,
1 1/2 Tbsp Butter (or Marg),
1 1/2 Tsp of yeast (fast rise).
Let bread rise twice before baking at 325 degrees. 15 min prep time.
Set the bread machine setting to 'Basic/specialty' if you decide to let the machine bake the bread for you - chose the color of your crust the way you like.
This bread goes with sweet as with cheese - but not with cold cuts.

I used a bread machine to make the dough,
I took the dough out of the machine and let rise (to desired size)one more time before baking = 1 1/2 Lbs of bread. Cover the bread and let it rise at a warm place. I use my open oven door and make a "tent" with a towel. It's worked well, but when you have 90 F outside and the oven door open inside, it can get pretty warm.
You can bake your bread ahead of time and freeze it - slice before freezing is best.

Each 1/2" slice has:
Calories - 150.2
Fat (g) - 5.1
Total Carbs(g) 22.4
Total Protein(g)4.4
Fiber(g) 0.9
Chol.(mg) 7.7
Sodium(mg) 236.9 (you can cut down the amt of salt and sugar if you like)

Cost of baking your own bread = 80 cents. Knowing that you have pure and fresh ingredients - PRICELESS
Click on the Amazon banner, if you consider getting a bread machine. They sure make baking bread faster and without fuss. There are many different models and price points available.
This Sunbeam was the lowest priced. No matter which model you decide for, it's important that you can bake up to a 2 lb loaf with it.

I will add some of my other recipes as time allows
For today, munching on bread,
It's meevamarie - enjoy!

Update - April 28 (I'm in a baking mood - it just smells too good)
The bread below is basically the same recipe, but I substituted the Bread flour with whole weat flour and rolled the bread dough in bran. The bread has a very nice nutty flavor and would go with cheese as well as sweet.

FLOWERS FROM MAIJAS GARDEN..enjoy!

2009-04-25T11:04:00.000-07:00

I hope you enjoy these photos I took with my Sony Mavica (FD73), since you are sitting inside and in front of the computer (just as I am right now), just to show you what you're missing!
Go outside breath the fresh air, take your best friend for a walk! :))
That's what I'll do -

A little tip for taking real tight close-ups with an automatic digital camera like the Mavica FD73.

I let the camera focus on my finger-print, as I hold the camera as close as possible to the subject. I move my finger closer to the lens until it can no longer focus, then I back off to restore sharp focus - the camera's limit - move my finger away and immediately snap the picture. Timing is everything because you have to take the picture before the camera's auto focus adjusts. You have about 1.5 seconds max.

I am adding the photo I call Muppet - which shows you just how close you can get with this camera. In 1999, this camera was 500 dollars - now, as you can see on Amazon's banner below the muppet photo, it is much less. If you want to see more close-ups, you can find my photographs on http://www.artbistro.com/member/muppet - no kidding :))

Talking about 'The Face On Your Plate' book by Jeffrey Masson

2009-04-25T08:55:00.000-07:00

Yesterday, by chance, I happened to catch an interview on NPR (National Public Radio) with Jeffrey Masson about his book 'The Face on Your Plate'.
I was driving at the time, but arriving at my destination I stayed in my car, spellbound - listening, afraid to miss a single word.
It wasn't that he spoke spell-binding words, but what he talked about.
It bound me to his thoughts, put me, my emotions, my belief about our place on this planet, my shame about how our humanity views other creatures - in a complete recognition of a relationship of thoughts I share with the Author.

We view creatures as something we may use and ab-use at will, for whatever excuse or purpose we desire. We decide what will endure our presence as a beloved or a mistreated pet. We assume, in this country, that a dog is a pet. In parts of China, a dog is food.
We don't name our food, but we do name our pets. The difference - is purely our decision, and depends on where we live on this Earth, and the social acceptance.
We don't eat human - I'm glad about that because I would not want to be slaughtered and eaten - however - who came up with the decision to slaughter a being, a creature, be it mammal or reptile, or bird. Did some magic wand appear and allow us to slaughter at will? But not MY dog, cat, horse, bird etc...just "THE ONE" - "THAT" doesn't have a name. "IT" is food!
The author is taking a closer look at the animals at our mercy, and our relationship to this "food". I recommend this book to anyone who is able to read or be read to - to raise thought, just so that you may do what you do - with THOUGHT.
Thank you for reading.

On a lighter note - I agree with him on chickens - they have loads of personality, and if you ever have a chance to watch "free ranging" (not a food term, dammit)...the longer you watch them, the more they will (!) remind you of ourselves and out interaction with each other. Guess what - they have emotions and communicate with each other and if a Rooster is present in the flock - he will take on any size enemy. WE don't - we gather troups - we're chicken.

Today's blog is totally my own voice, my own opinion.
Have a wonderful vegetarian weekend - be healthy! Meevamarie :))

Love An Equestrian - Dating for Equestrian 'Baby-Boomers'

2009-04-19T21:50:00.000-07:00

One baby boomer turns 50 every 8 seconds of every day
There are 90 million Americans who will be age 50 or older in 2010
These are powerful numbers, and combine this with longer
life expectancy, one must imagine that not everyone in this group is married.
These numbers prompted the creation of this dating site for mature equestrians and single horse lovers. The site went live on Friday
It's totally free to sign up and place your profile. Take a look around. (- it's fun)
Just click on the Photo above
and contact hundreds of thousands of members now!
For tonight - that's
meevamarie - sign up for my blogs
My website
Follow me on Twitter

Cry me a river: Susan Boyle 1999 - we can't get enough

2009-04-19T11:28:00.000-07:00

double click to see full size

We all agree that her voice is beautiful, and we are surprised...where has she been all this time?
She's been singing since she was 12. Why haven't we heard her music?
I really hope, that we just enjoy her and not send her into a re-make frenzy.
She has something to teach us - perhaps we (the commercial world) could listen!

Follow me on Twitter
and my website and refuse to be part of a recession. There's lots of help, opportunities and do-it-yourself recession busters.

meevamarie

X-BOX OWNERS - Promises from Microsoft

2009-04-17T12:41:00.000-07:00

Click Here!

FOR IMMEDIATE RELIEF
A DO-IT-YOURSELF- IMMEDIATE- FIX - THAT ANYONE-CAN-DO-VIDEO INCLUDED
JUST CLICK HERE

The following article was written by Mike Smith - posted here because we have the fix!
QUOTE:

April 14, 2009 2:31 P.M.

Was your Xbox 360 a victim of the recent rash of "E74" errors?

Affected consoles are rendered completely useless in what's become a familiar tale to many Xbox fans -- it's just the latest in a string of hardware problems that have given the three-year-old system a woeful reliability rep.
E74

E74 Error? Never Fear Click Here!

If you've suffered from this latest crash, we've got some good news for you. In a move that mirrors Microsoft's response to the 360's past hardware problems, the manufacturer announced today it's granting all systems experiencing the error an extended three year warranty. In other words, if your console has the E74 error, you can send it back for a free replacement -- and if you've already had it repaired and paid out-of-pocket, Microsoft will be refunding your money in the next few weeks.

"While the majority of Xbox 360 owners continue to have a great experience with their console, we are aware that a very small percentage of our customers have reported receiving an error that displays "E74" on their screen. As a result, we have decided to cover repairs related to the E74 error message under our three-year warranty program for certain general hardware failures that was announced in July 2007," the company said in a support article.

It's a classy move, and although it's not going to improve the console's terrible reputation for reliability -- we've heard from a number of consumers who've gone through as many as six failed machines -- it'll at least help out those affected by this round of problems.

UNQUOTE.

Would you listen to this!

2009-04-13T14:42:00.000-07:00

Susan Boyle Sings on Britain's Got Talent 2009 Episode 1 @ Yahoo! Video

Never ever judge a "book" by its cover. We all do that, don't we...

Pass this on - a great lesson ..ohm..listen

That's all for today..
from
meevamarie

Tonight's Apprentice challenge - ID Theft

2009-04-12T21:12:00.000-07:00

Tonight's Apprentice presented the challenge to the groups to advertise LifeLock, the company with a guarantee of protecting your identity.

LifeLock is the only Identity Theft Prevention Solution backed by a one-million dollar guarantee!Click here to get a 10% discount.

Your PROMO code is JOAN

Having your identity stolen will, not can, it WILL turn your life upside down, bring you sleepless nights, cause you financial disaster, ruin your good credit, and sometimes crimes are committed under false identity.
People who had their identity stolen would tell you that it is a very long nightmare. Good thing aobut nightmares is that you will wake up. Identity theft has not quick fix. You can't just all of a sudden wake up and it's gone. It will be a full-time job to fix the damage and get your life back.

Today's ID thieves are not your common crooks anymore. You need a company or service which will protect you BEFORE your identity is compromised, so you will never have to go through the agony of having your identity stolen.
Please take the time to check out LifeLock and their guarantee to protect your and your family's identity.
As a Mortgage Loan Officer I had several clients wanting to refinance or purchase a home, but their identity had been compromised. Refinance and home purchase had to be put on hold.
Prevention is EVERYTHING!

Take this from..
meevamarie

Every Body Likes a Sale

2009-04-10T22:51:00.000-07:00

I usually don't just run an ad, but exceptions make the rule, as they say.

One of my friends on Twitter just 'tweeted' me about this awesome skin product. I'd like to collect everyone of their products - great for sensitive skin!
It's only on sale to the end of April, that's just 18 days - you get free shipping too. Hurry - there isn't much time!

About the company in case you're not so familiar with their products:

True Science Backed by Pharmaceutical Standards of Research, Development and Measurable Results Creates a Quantum Leap Forward in Finer Skin Care
Dermazone Solutions is an acknowledged leader in the field of nanotechnology and holds patents on its proprietary nanosphere delivery system, Lyphazome®, in twenty countries worldwide. Celazome® cosmeceutical skincare products, available through physicians and aestheticians, provide solutions to Protect, Correct, Perfect, and Respect, whether you need to safeguard from sun exposure, fix problematic conditions like acne or rosacea, minimize fine lines and wrinkles, or simply highlight your skin's best assets. Our sunscreens and therapeutic lotions have been marketed to physicians, hospitals and professional caregivers throughout the U.S. for more than fourteen years.

here come the Testimonials:

I love . . . the Enzyme Exfoliating Masque…it’s wonderful! Your Serum Vitae is also on the top of my list. I highly recommend and enjoy selling your products to my patients.
-Veronique Jones, Florida

My skin looks healthier, smoother, with fewer blemishes. It is an easy system to follow. I really like how it feels on the skin.
-Paula Russan, M.D., Florida

I am truly astonished by the difference in my skin and eye area. This is amazing. My skin tone is back and the glow that we seem to loose with time.
-Mary Ann

(there is much more information on their website)

Celazome also carries O-PLEX Acne Treatment System.
"Acne does not stand a chance against our proprietary Complex Origanum. This trio of O-Plex products inhibits the formation of acne-causing bacteria, while balancing skin and tightening pores. Non-irritating and non-drying, the O-Plex line contains Lyphazomes, delivering long-lasting hydration."

This would be an awesome gift for your beautiful teenage daughter. By the time the summer vacation is here, she will be ready to show off her beautiful skin!

Check it out, and be admired!

I'm tellin' ya, meevamarie

Something To Say

2009-04-10T22:07:00.000-07:00

First I have found a George Carlin Video on youtube, and hope you like Carlin's humor. I thought it was very funny and typically Carlin - he had some good points to make.

I hope you enjoy:

There's an entire series attached - depending on how long you want to just laugh and laugh.

Please also take a look at my sponsor - Happy Easter (bunny)!

Economy got you down?

2009-04-08T19:14:00.000-07:00

WHAT IF...

YOUR income shrinks - OR YOU EVEN LOOSE IT
Do you have a plan B?
Unemployment?
Stand in the line with hundreds of other people all dressed up, clutching their resumes - hoping you 're the one picked?
OR
Have you thought of working for yourself?
"Doing what?" I hear you ask -

May I suggest you

take a piece of paper (no - really) sit down at your kitchen table, and
make a column of things you know how to do,
and two other columns, one for things you hate to do,
and one for things you really enjoy doing.

No golf...unless you're a great golfer, or you want to be a caddy.

Are you computer savvy?
Is there anything among the things you enjoy which you research or read about on the computer?

Could you write about those things?
Do you have experiences which you would pass on to others?

Are you NOT computer savvy?
But you know how to type and email or follow directions?
THEN - here's the big question......
Can you make yourself spring into action?

Well - then you could do what many others do.
It is a reality - that the wealthiest people on the Internet are not techies (or they weren't when they started), not university trained computer wizards at all.

Honestly - I'm in my sixties, and I'm looking at these "kids" (pardon me), and they are way ahead of most of the rest of us.

What IS important to you and me, is that they share.
No really...THEY SHARE their knowledge.

They don't worry about a disappearing job, downsizing, loosing an industry or anything like that, and so they share with others, and (yes) make money by sharing the "HOW TO" of their business, which is (bombshell..) AFFILIATE MARKETING, which basically means that you are a Representative for many companies.
Every company loves Affiliates - Walmart, Home depot, anybody. You sell (via computer) - you get a commission.
You can go ahead and check out Commission Junction.com, or clickbank.com. See the companies listed with them? And those are not all.
You can get a website, write a blog, or articles and you will learn how to do all of that - hey, nothing comes "that" easy - there is a learning curve, but everyone who is successful will tell you: NEVER GIVE UP!
Now I hear you say - website? I don't know a thing about building a website.
I figured you would say that, so here it is.

You will get a free website, free training (by one of those brilliant youngsters) and if you like it - you can upgrade (we will hold your hand with an excellent and easy to follow training program - one step at a time) - no throwing everything at you at once as some programs do.
Hey - it won't hurt you to take a look - would it?

Click here (don't worry, no spam, won't cost a dime). Enter your name and email address so we can reach you, and you're on your way to becoming a success on the web! You won't need your resume either, just follow "Nike's" old slogan and just DO IT!

Visit my website www.friendshelpingfriendsnow.com, to explore additional (tested and proven) ideas to make your life easier and more fun, and financially secure.

If I can do it - you can too - and you will have fun along the way promise

Subscribe to this blog to keep track of what's to come next - never know what I'll find..

For now - it's
meEvamarie

Making up is hard to do (just a song or is it really hard?)

2009-04-06T09:55:00.000-07:00

Today I have a little video to show you.
Add the Video to the book and it's like someone is holding you by the hand. 95% of women and 85% of men have told us that the videos and the book have helped them!
Click here to open the book

do we know what's really in our canine companion's food?

2009-04-03T11:49:00.000-07:00

I received an email this morning from a vet (Dr. Jon, drjon@petplace.com) on who's email list I am.

I watched his funny videos (sleeping dogs are adorable) hilarious!!
And then - I read about the dog food. I haven't touched the pet issues in my blogs, but maybe I should, especially since I have a canine companion by the name of Sadie, who is VERY close to my heart. I found her at the RI SPCA 5 years ago and she is always by my side, always in a good mood. The quality of the food I feed her is extremely important to me. I lost my Doberman girl Brandy to a cancer in her stomach. She was just 12 years old and otherwise very happy and healthy.
Everytime I read about pet food - it seems to be bad news. This news however are so bad, that I want to cook her own food from now on, and never go back to commercial pet food again.

Is there any hope? According to hte report there are a few companies who prepare "honest" foods for dogs. I too have to purchase the books and the report first..to know.
However, I didn't want to hold back in letting you know about what the report entails.

Click on "Dog Food SECRETS" to read the report, and watch this video: http://www.youtube.com/watch?v=LeoUPizYgaY

More about the Magic of Making Up

2009-03-27T17:30:00.000-07:00

We have had so many responses to the book, that we decided to make some videos, reading you some of the emails and also giving you some tips which we hope can help.
We did that, because sometimes it's good to hear other people's problems and questions. It might give you some ideas for your own situation.
The e-book is really good, and as you hear on the video, you can get the audio as well.

Click on e-book to find out more
Click here to watch the videos

What Can I do To Get My Ex Boy Friend Back?

2009-03-23T13:42:00.000-07:00

Dating, Marriage...staying together isn't always as easy as we wish.

Here are a few tips from the author of this book:
Are there actually 'magic' words you can use to get your ex to return your phone calls?Sounds hard to believe but there ARE words that nearly cast a spell and make your ex feel almost compelled to return your call. Cool huh?...I'm going to share this with you because this is one of the biggest questions I get from the over 35,000 subscribers just like you, that are trying to put their relationship back together.
So I am going to answer: "How do I get my ex to return my phone call, text or IM?"
But...WARNING! In the Magic Of Making Up, i lay out a complete strategy. If you use this technique alone, without an overall plan or strategy...you may damage your relatationship more than if they never returned your call.
What NOT to say! Before we get into the actual words, lets go over what message almost never works. And worse...Puts you in and AWFUL 'psychological' posotion.
These usually fall into 2 categories.
The Plead- Where the message sounds like "Steve, please, please call me. This is the third time I have called. I HAVE to talk to you."
And the EMERGENCY: "Cindy, this is an emergency. Please call me as soon as you get this."
Now, I think you can see what is wrong with both of those approaches? So, I won't go on and on...
How to Use Curiosity & Self Interest To Your Advantage. Here is the BIG SECRET!
When you combine the two, you have a recipe that WILL work 'magic'! So...let's look at what you can say that works nearly EVERY TIME: Don't forget to use a friendly tone: "Hi Steve". It's Cindy. I wanted to let you know that I appreciate what you did for me. Call me because I want to thank you in person". Do you see how that uses BOTH - curiosity and self interest?
He will be thinking. And he feels good because it is a positive message. Now....Before you call you need to do "Set Up"...which is figuring out what he did that you appreciate. It can be a small thing...but needs to be plausible. BUT...more importantly...2nd WARNING! Please have an underlying strategy lik I lay out in the Magic Of making Up System. BEFORE you call. If you apply this technique with no underlying strategy and they call you back, you can do more DAMAGE than good if you do not handle it correctly. Okay? What I'm saying...What you do before, during and after you get him to return your call is MORE important than getting him to return your call.
Makes sense? Have a PLAN...and .. just to be on the safe side, click on the book link for more practical and helpful ideas.

I'm rooting for you!

MeEvamarie

ADVERTISE WHAT YOU DO for FREE!

2009-03-07T20:25:00.000-08:00

How would you like the opportunity to advertise on our website - what you do, your profession, your job, or something you are willing to do...for a set fee.

In return (you know there had to be a catch, right?) we would like you to be willing to negotiate your fee with the person who (desperately) needs your service.

What's really cool about this - is that the person that's coming to you for your service - will also turn around and make themselves available for someone else. Kind-a like a viral thing.

ALL - you have to do is to go to the website (www.friendshelpingfriendsnow.com) and email us what you want your ad to say and the other info we are asking for. It's not much - look what you will get in return:
Increased business, contacts and possibly a new, loyal referral family.

In times like these - you can't beat that offer! We invite you to pass this on to all of your friends, and people who also need business!

REALLY! DON'T HOLD BACK - WE KNOW YOU CAN DO IT!

THE BEGINNINGS OF A WORLD-WIDE one hand reaching out for another - PROJECT

2009-03-06T10:24:00.000-08:00

In the past, I have given you tips, alerted you of news you needed to know - but - Today I want to ask YOU for help - not for myself, but to join me on a platform - to help others.

- who are in a pinch, need temporary quick fixes, services, advice - a helping hand.

I have established the website www.friendshelpingfriendsnow.com to be this platform - the "go to site" which provides an exchange of (discounted) services. The website explains in more detail.

You have to be willing to give back. A friendly spirit will make this project successful, spreading good will across borders and all across the planet we call home.

Call this a VIRTUAL LIBRARY.
A meeting place of people who understand the concept of "what goes around - comes around."

I know that's a basic, non- sophisticated explanation, but it's not about sophistication - but about caring, and giving forward.

The Win-Win opportunity: Besides helping others, the site also offers you free advertising. Yes, FREE.

The rules are simple:
In order to advertise here and join our efforts, please be a member of a social website.
Social websites function as a quasi village, where others know 'you', and 'you' know others.

We invite you to use your (social website) 'user name', instead of your business name, should you wish.
You can write your ad as large as you want or only offer what you are willing to discount. It's your space.

I am asking for your membership, and kindred spirits, to make this as big as can be imagined!!

21st Century Predators

2009-02-26T11:21:00.000-08:00

whe you are in front of the judge - three words ward off and delay Foreclosure: PRODUCE THE NOTE (the original note, when you closed on the house)

YOU DON'T HAVE A THING TO LOOSE..

I truly stand behind my finger pointing at Banking institutions. They are fierce predators.
Consumers don't know that it is not we (mortgage people) who pressured them into 2 year fixed - peculiar loan programs. We..are the link between Lenders/lending Banks and consumers.
(I will write a separate Blog, explaining how borrowing, lending, buying a home "works" and what you don't even know to ask. You will then know what Banks do, what Mortgage companies job is, where Realtors join in the chorus, and you can learn to manage your home buying and refinancing transactions without being taken to the cleaners, and still pay "us" a decent wage for our work.
*********TODAY - NO-ONE HAS THE MONEY TO PAY FOR GREED********
Lenders made (only those)SUBPRIME programs available for people with lower credit scores, BELOW (SUB) PRIME CREDIT (Prime=620 SCORE AND ABOVE). These folks could not get a 30 year mortgage.
I even venture to add that these people were set up to fail - knowingly. They had to have known, that two years are not enough for people to better their credit enough to get into a 30 year fixed. 100% financing? They knew - had to have..that a person with damaged credit can't pay down the mortgage in two years, so they qualify for a refi, fix their credit, and all in two years, the blink of an eye?? They set that up for a quick buck to be sold overseas. I guess they weren't thinking that "overseas" is right in front of our doors???
Greed is quite blinding.

The next bubble...CREDIT CARDS..think about it.

2009-02-24T10:07:00.000-08:00

A "HEADS UP"

Have you noticed that the due dates of your credit cards are (sliding around)changing - slowly?
If you haven't, you are paying days or (yes)weeks of interest which can be up to 43%.
NO - I'm not kidding!

The average consumer credit card debt is around $6000, and total debt (incl. mortgage) was $16,000.
Click here for official numbers

If you are making minimum payments on your cards and you are late because the bank slides the due dates around (SO THEY MAKE MORE MONEY OFF YOU), your debt will grow to staggering heights. Let's say you loose your job, your unemployment won't cover the payments and feeding your family and keeping a roof over your head, while the credit card bank is robbing you blind?

What if the same that happened to the (artifically inflated) Real Estate will happen to Credit card banks...will we the people have to bail out - again - the ones who drained us?
THINK ABOUT IT!

Confessions of the Real Estate Industry

2009-02-24T09:24:00.000-08:00

I've been thinking about this for a long while. Why are home owners in so much trouble?
Here are my answers:
Every "professional" who deals with home owners is commission based.
The Realtor - The mortgage broker/Loan officer for lender or bank - are commissioned.
The appraiser's first question when hired for an appraisal - where $$$$ does it need to be. (what's the sales price).
So - if you are selling a house - you and the Realtor come up with the highest price possible (remember- the Realtor gets a commission based on the sales price) The Mortgage Broker (or Loan Officer) hires the Appraiser, who will look for comps (comparable homes in the price range of the sales price). Sometimes they have to look a little harder, because he depends on the mortgage person and Realtor for his income.
This is how prices are driven.
Want to know how you can learn about the "how to" of making the largest purchase of your life? Who will you turn to? Who teaches first time home buyer classes? The Realtor or the Mortgage Loan officer. The same people who benefit from your transaction. Will they tell you what they don't want you to know? How they can rip you off? Will they tell you that the mortgage company they "recommend" belongs to the Real Estate Company they are working for. It DOES benefit them to steer you there, and they ARE encouraged by their Real Estate company to do so - keep it in house. Do they tell you that this is a conflict of interest? That between all of them, they drive up your costs and the value of your loan and your house. This is artificially driving up the cost of housing! It pays them more money - that's how it goes.
Is there a way to fix this, so that we are not building another "bubble" in the future?
Take these people off commissions and pay a set fee for their services. Itemize the services and add monetary values to each part of the service.
For example:
For a $2000 fee, the Realtor will list you house with MLS, put one ad into a paper, hold two open houses, and write a sale agreement.
If you, the seller, want more, then there are fixed costs for running ads, open houses etc which you, the seller has to agree to.

The same with Mortgage Brokers (independent or working for banks or Lenders) A fixed price (let's use the same amount of $2000)for transacting a purchase or a refinance.

Whether the house value is $100,000 or $500,000 - it should not make a difference - it's the same amount of work. Listing the house, advertising is and writing a contract and have a couple of open houses - how much is that per hour?

A sales contract is a sales contract, and a mortgage is a mortgage. The work is repetitive and you don't need to be an Einstein to do it.

Furthermore - the idea of interest rates, points, and yield spread.
Interest rate + points = the customer pays the broker
Interest rate + yield spread = the bank pays the broker...WHY would the bank pay the broker???? ANSWER - for selling a higher interest rate.

Brokers in some cases can make up to 4% of the loan amount in yield spread - and often also charge you 1 point(%) for a $250,000 loan - that's a total of $12,500, just for collecting papers and finding a lender to do the loan? Maybe a total of a days worth of work? Guess who pays that...YOU - In one way or another and sometimes both ways.

Flat fee service would stop all of this. I'm sure many Realtors and Mortgage Brokers/Loan Officers would find something else to do - but for all the right reasons.
IT IS TIME - RIGHT NOW - TO GET THE FOX AWAY FROM THE HEN HOUSE or Predators with friendly faces and smooth demeanor away from clients in vulnerable positions.
Help send this blog to someone who may be able to make a difference.

Friends Helping Friends Now

2008-12-28T20:28:00.000-08:00

Hope everyone had a great holiday! Today I have some gifts for you - e-gifts would be a better word..

http://www.jacquielawson.com (not a business opportunity, but...) This year I decided to send all e-cards from . It cost me much less that buying cards, stamps and the time to write. Her cards are beautiful, and endearing, for every occasion ... and it's environmentally friendly. They DO NOT PAY

www.friendshelpingfriendsnow.comOur new cash-gifting website is ready! Come visit - we are a down to earth, simple private cash gifting club - kinda old fashioned too. If you leave a note there, one of us will contact you and invite you.

www.EDTint.com/cellfones.And some more news! Finally - finally, a long awaited EDTint, a new phone company is launched. Let me explain. They are a new affiliate cell phone company. I know that doesn't sound very exciting, BUT..but..but..

for $44.99 a month
NO Credit Check
NO Contract
NO Activation Fee
NO Roaming Charges
NO Termination Fee
NO Deposit
•Unlimited Local & Long Distance
US Canada Puerto Rico & US Virgin
Island
•Unlimited Text Messaging
•Unlimited Mobile To Mobile
•3 Way Calling, Call Waiting, Call Forwarding
$44.99 a month - that gets me exciting
They also have plans with internet/GPS/unlimited international calling.

The work from home opportunity offers serious money too. It costs just about $50 and you will have your own business. If you want to do more that cash gifting - or want to do something different - you may want to look at their site. The phones are really cool too. No contracts and never paying for extra minutes ever again..woohoo!

Next time I will tell you about another work from home website - created by a woman I know. She tired of the websites who looked like they offered real work from home jobs, but then didn't do much else but steal your times and left you frustrated.

Till then..
it's meevamarie

Friendshelpingfriendsnow - almost ready to launch

2008-12-18T11:32:00.000-08:00

This is not an easy task - launching a new website. Every time I'm ready, I think of just one more thing that's not quite right. A friend of mine just started her own website just for women who want to work from home, and she's still adding things to it.
I just added adsense to my blogs and also invite other blogs to join me.
Part of my time is spent with designing new products, basically horse-care-health products, and will have a blog which is named (naturally) www.blogabouthorses.com. Don't search for it yet, I just got the domain name.
So - there's lots going on in this household all the time.

About cash gifting - it works and it's legal. Anybody is allowed to give money to anybody. If you are giving more than $12,000 to any one person, taxes will have to be paid, but below that amount - the giver and the receiver don't have that to worry about.
On my website www.friendshelpingfriendsnow.com you will find the tax section whoch you can print out to study if you like.
The reason I did my own website instead of joining the many already out there is this. I'm not much for hype. I have some friends who are in gifting, but they are also spending a lot of money of advertising. I thought that keeping the amount so that anyone can afford it and having groups of friends joining in together will give everyone a leg up, and we all know other people who could really use some extra money, but don't want to take the risk of diverting $500 to cash gifting. After all - first you have to gift..then you are eligible to receive.
I also did not like the idea of different levels and one bypassing another etc etc. Maybe it's my age, but I find it confusing to keep track of.
I also learned that some tracking systems of the few gifting clubs I know - have thos issues as well. I have always like the K.I.S.S. method (keep it simple stupid). The only way I could get involved was to design my own website. Take a look and see if you and some of your friends would like to join me and others giving and gettin (a leg up) with cash gifting.

For today - its'...

meevamarie

FriendsHelping friendsNow - the incredible shrinking phone bill

2008-12-15T21:37:00.000-08:00

I shrunk my phone bill in 10 minutes, saving myself $300 a year.
A few days ago I got this little "gismo" which I stuck in my PC's USB port! - My phone bill instantly shrunk to $20 a YEAR. It's a magicjack - I just wish I would get paid for the endorsement! So far they don't do that sort of thing - I asked, yes I did.
Then I shrunk my other cheap Voip- company, and reduced their service to $5.00 for incoming only, which lets me keep my old number.
Cutting down expenses and keeping more money for myself is quickly becoming a little hobby.
Many year ago when I needed evening clothes often, but was a single parent and had two little boys to raise, a friend gave me an unbelievable tip. She told me to look for a consignment store in a very upscale area - I am so glad i followed her advice - my evening gowns literally cost me about $10. After wearing them once, I had them cleaned and consigned them back to the store for the next person. You'd be surprised how many Ann Taylors and Ralph Lorens or DKNYs with tags still attached are hanging in these treasure places. Finding them - is more fun than getting something of a rack and knowing you pay way to much for it. One year I got an entire outside wardrobe for under $100. Eddie Bauer and L.L. Bean Ski suits included. When I want to have fun and relax - I take a friend and go treasure hunting.
You'd be amazed how much less you have to spend and how much more you can get. Once I'm no longer interested in these clothes I give them away. When the quality is very good - they keep looking great.
The economy now makes it necessary to be more careful with money, but would it not be better for each of us - to keep more money for us and our families instead of paying it out in profits to corporate people to wine and dine with?
- hope I could save you some money or at least give you some food for thought!

gee - should work on getting some endorsements!!

Will write gain soon!

Until then..

it's meevamarie

Friends Helping friends now

2008-12-12T13:26:00.000-08:00

Well, it's been more than a day that i had a chance to even think straight. I'm trapped in a learning curve, sometimes it feels more like a learning circle without an end. LOL
Friends helping friends now is a gifting activity for "the rest of us" who is looking for a down to earth, a no mansion - fast cars - riches - one level ($50.) - 1 UP gifting organization. Real simple.
We work in groups, so no-one is left on their own, and we'll offer lots of support. There is a page on the website with a graph, which explains the system.
I know that many people are looking for regular J.O.Bs right now, and we are addressing those needs as well, by cross linking to the websites of people who are looking for you - for work you can do from home. There will be small fees for some of them - they are working hard, making phone calls to help you out.
Cash gifting can be a part time income or - if you invest just a couple of hours a day - you may surprise yourself and make if a full time activity.
In any case - we are (for real) friends helping friends now.
Our website is still a little rough on the edges, but you can email me directly if you want to jump in right now to helpinfriendsnow@gmail.com.

For now, until then..

it's meevamarie

Friends helping friends now...

2008-12-05T13:37:00.000-08:00

My friends and I have just founded a private club that is all about helping others - sort of like an old fashioned barn raising. We can all pitch in and make things better for all of us and each other. We have a simple way of showing you, how you can do things like pay off debt, stop foreclosure, save for college education, and more! It's a simple system, age old - yes, sure it's legal!

I'm a (brand-) new blogger and just pulled up my chair today. Tomorrow, after organizing my thoughts, I will post my first "real" blog, telling you a little more about friends helping friends now!

Until then...it's

meevamarie