Check Your Bank Statements Every Month, If You Don't You May Be Losing Money In Unexpected Ways

Awhile back I got the dreaded letter from the bank saying you are overdrawn.  I couldn't believe it, I wondered what the heck did I do?

Then I opened it up and I was overdrawn by over a thousand dollars and I was real concerned.

I called the bank and they told me the $3000 dollar check that I had written was insufficient.  Well I did not write a check for that amount but they assured me I did and told me where to.

I couldn't believe I could do something so foolish but I called the company that I had written the check to and they said yep, that was what I wrote it for, and I was overpaid on my account.

Productive Networking for Your Home Based Business

Getting the most out of any networking event is about more than just handing out and collecting cards. Some people seem to think the success of an event can be measured by the number of business cards they take away. The truth is it’s better to make real connections with fewer people, rather than to pride yourself on a collection of cards that you may never use. These simple steps will help you to use your business cards effectively and to know what to do next with the cards that you collect at a networking event.

Always carry your business card. That means both in and out of business hours – even at social and sporting events; you never know when someone may need your services. Ladies, it is a good idea to keep a supply of business cards in all of your handbags while gentlemen, you may like to keep a supply in all your coat jackets.

19 Viral Marketing Techniques

With the onslaught of marketing campaigns geared towards Internet users, viral marketing has paved the way and has become one of the top methods used in advertising.

The principle behind the success of viral marketing is the number of users reached through the campaign. There are several viral marketing techniques that can be applied for an advertising campaign to succeed. Take a look at the following:

1. Creating viral marketing awards.

Creating viral marketing awards help both the companies and users by creating even more users. Awards in viral marketing help innovate the industry more and bring out more effective marketing techniques.

2. Distributing  free software.

Anything useful and free gets an instant “fan base” on the Internet. Provide online users with any software that they need for free – even for a limited time – and they will surely grab it.

5 Keys to Building a Dynamic Self - Management Sales System

Can you diagnose your business on a 'Single Sheet' of paper? Here are some key steps to help identify your essential competencies and performance metrics. Because numbers don't lie.

Here are 5 Keys to Building a Dynamic Self - Management Sales System :

1) Identify Your Essential Competencies and Performance Metrics

If I asked you to list all the essential competencies that YOU are in control of - the ones that are absolutely critical for you to be successful in your sales position…could you do it?

For example…

Essential Competency or not?

" Converting conversations to appointments? (yes it is)
" What about filling out paperwork? No! (That's a related task)
" What about closing ratio? (Sure it is.)
" Degree of success in turning a first appointment into an opportunity? (absolutely)

How To Care For Your Body During Pregnancy

Being pregnant means following a healthy lifestyle is more important than ever. It’s crucial to understand what steps you can take to keep you and your baby in good health.

Prenatal care is one of the vital factors that ensure a smooth pregnancy. The first checkup should occur during the first 6 to 8 weeks of your pregnancy, when your menstrual period is approximately 2 to 4 weeks late. For women who are relatively healthy and have no complicating risk factors, you will probably see your health care provider every 4 weeks until the 28th week of pregnancy, and then every 2 weeks until 36 weeks of pregnancy. After that you will have an appointment every week until you give birth through inducing labor or otherwise.

Nutrition

Proper nutrition is one of the best ways to enjoy a happy pregnancy. Because you’re eating for two, it’s doubly important to consume healthy foods and stay away from things that may harm your baby as it

7 Killer Ways To Maximize Your Fat Burning In The Gym

Hey, we all want to shed some pounds and get back to the body that we had when we were younger and didn’t appreciate it but it takes discipline, planning, and dedication to make that happen. All too often people shed 10 or 15 pounds and then seem to stop losing weight. There is definitely a reason this happens and it should not be seen as failure or an excuse to give up on your weight loss goals. Here are 7 absolutely killer ways to maximize your fat burning routine and help ensure success with your weight loss goals.

1) Anaerobic Exercise

If you think you can just run laps or pedal that fat away, think again. Muscle tissue is what burns the most calories in our bodies and you need to life weights in order to create bigger muscles that will burn more calories. Now although aerobic exercises such as cycling or swimming are also necessary, the fact remains that building bigger muscles is the

Amsterdam the Greatest Small City

Europe has many beautiful tourist destinations. However, it is absolutely undeniable that by far, Amsterdam is one of the best. The population of 735000 is proud of this ‘greatest of small cities in the world’. There is the world famous canal system to explore and the fantastic personification of tolerance and diversity that is synonymous with the romantic and beautiful city of Amsterdam. A trip along the canals is a must for every lover of architecture. The city is also known for soft drugs and prostitution. Amsterdam ably competes with cities like London, Paris and Milan. However, in comparison, the city has more to offer for less.

Amsterdam caters to every tourist’s needs. There is the presence of a unique culture, exquisite nightlife, amazing lodging options for every budget, great transport connectivity and the authentic bike experience. The beautiful weather all year round has made this jewel of The Netherlands a popular tourist destination for

A Single Mom's Guide to Home Improvement

When I bought my house nine years ago, my son was about to turn three and I reveled in the security of owning my slice of the American dream. Being a single mom was (and is!) both challenging and rewarding, but I knew that having a house to call my own was the best thing that ever happened to my son and me.

My house was ten years old when I bought it, and it was in excellent condition. Still, as time passed, a variety of issues cropped up. I think my way of handling (or not handling) home improvements is fairly typical for single women who own their own homes. Hopefully, my experiences will help you navigate the waters of home improvement. Here's what I've learned:

1. You can go places with a good book and a toolbox. The Christmas of the year I moved in, my sister and brother-in-law gave me a toolbox filled with the basics: screwdrivers, wrenches, a hammer, nails, nuts and bolts, and so forth. They also gave me a book on basic home repairs. Their gift literally provided me with the

10 Ways To Save On Car Insurance

For most people car insurance is a the single largest insurance expense after health insurance. Rates are high and are forever climbing, at least it seems that way. You can save money on your car insurance premiums by following these easy to implement steps.

1. Shop Around. Yes, it pays to shop and compare. Regulatory changes at the state level may have encouraged new companies to jump into the market, thereby increasing competition and reducing rates for consumers.

2. Raise Your Deductible. A $200 deductible sounds wise until you learn that the cost for having a deductible at this threshold can drive your rates through the roof. Consider a deductible as high as $1000 to save on premiums. You can always fix minor mishaps on your own.

5 Great Ways to Reach Your Target Market

There are many ways to reach out and find the people you are trying to attract for your business. Here are just a handful of ways to get you started:

1) Attend organization meetings

Where do people in your target market hang out? Research this, and then plan to attend a meeting or two to mix and mingle. What better way to meet and get to know these individuals while learning more about the market?

2) Offer to speak at a meeting or conference

What do you have to offer that you feel could be of value to those you are trying to reach out to? Present a short talk or slide show on a helpful topic. Be sure you present something of value to the group. What helpful

5 Hawaii Whale Watching Tips For An Unforgettable Adventure

Each year, the Humpback Whales migrate around 4,000 miles, from summer feeding grounds in Alaska, to mate in Hawaii's warm waters.

During mating season, Humpback Whales are more active resulting in elevated surface activity which makes Hawaii a popular destination for whale watching. This exciting surface behavior, such as breaching and tail slaps, make for exciting whale watching in Hawaii.

As a Hawaii local and avid waterman, I have 5 simple tips that will help you get the most out of your Hawaii whale watching adventure. So before planning your next Hawaii vacation, follow these tips and you might just have an unforgettable whale encounter!

The Importance Of Installing A Family Security System

There is nothing more important than preserving the safety of your family and home. Whether you are away on vacation and the house is left unattended or you work late at night and want your spouse and children to be safe, a family security system may be the answer.

A family security system will typically feature a keypad, which is programmed with a set of numbers used to activate, or deactivate, the alarm system. If any disturbances should occur, the alarm would sound and authorities would be notified. Many family security alarm companies offer this feature, but others require that the homeowner notify the authorities directly. For this reason, it is a good idea to have cordless telephones placed conveniently throughout the house and make sure that you understand the system contract completely.

Pregnancy – Foods and other things to Avoid

It is essential that you take care when preparing foods and avoid doing certain things when pregnant. This is due to your baby’s immune system not being sufficiently developed to fight any infection you may pass to it whilst within the womb. It is believed that a female’s immune system may not function at its peak during pregnancy so it is essential that all necessary precautions are taken

Pets

It is essential that if you have a pet that every time you come into contact with them you wash your hands thoroughly afterwards.Pets can pass on harmful bacteria that may be present in their faeces. You may inadvertently become infected with this by touching your mouth or other part of the body and this may in turn infect your unborn child.

Cats are of particular importance due to toxoplasmosis found within their faeces. If you have a cat that uses a litter tray it is important that someone else carries out this task or if this is not possible then you should wear

7 Tips on Maintaining Acne Free Skin

Having that nasty zit is sometimes quite annoying. In fact, it is a great factor on suffering low self-esteem particularly on young people whose main focus at puberty is the physical attribute. Preventing acne breakout is not a piece of cake that is why even if you know everything about acne control, the acne still shows up every now and then. The lack of time to maintain acne free regimen daily contributes to the breakout. So how do you maintain your acne free skin?  Here’s how:

1. Do not prick the acne affected area. Touching it with bare hands can cause further irritation. Unclean hands carry undesirable microorganism that can cause acne. So it is rather safe to keep your hands or any other object from your face to impede the inflammation of the acne and scarring of the skin as well.

2. Avoid using oil-based products on your hair. Guys and girls wear hair products to improve their appearance. Dermatologist might agree that the products are safe on the scalp however, this chemical-laden

Building healthy homes: Want to secure the health and life of your family at home?

And you thought your family and children were so safe inside the home environment cozily protected from potent health hazards! But did you know that the source of asthma, lead poisoning, and many such types of chronic health conditions could lie within your home environs? 

According to recent survey it has been revealed that your family especially the kids are threatened with major health risks if the design/architecture, built and maintenance of your home is improper.

So while planning out a new home or a home remodeling/renovation make sure that your home planner or design architect makes use of healthier home building techniques and technology. This shall ensure that your family and kids residing in such healthy homes are much more healthier and safer!

You might incur higher expenses while constructing a healthy and environmental friendly home as compared to

The Complete Solution for getting the College Loan

College education is an important factor in most people's lives, as the education gained here, help them build their career. However, college education is expensive and most students have to compromise on the college they wish to attend because they are unable to afford the fees. College loans ensure that students are not denied good education simply because of their current inability to pay college fees. Today, there are many websites that allow students to apply for college loans online.

Applying for college loans online is a simpler procedure than visiting the offices of a lending agency in person. There are different types of college loans available such as private loans, federal loans and private student loan.

Online application for loan can be done in a matter of minutes by filling in an online form and the approval process can be as less as 48 hours from the date of application. Most online loan agencies dispense the lending amount within a week of approval. The loan amount sanctioned can vary from a few thousand dollars to as high as a few hundred thousand, depending on the course that a student wishes to pursue in college. Most online college loan programs offer flexible payment options, wherein the students can either pay while they are studying in college or repay the loan after they have graduated.

Controlling Blood Sugar In Type 2 Diabetes Without The Use Of Drugs

I was told in rapid succession that I was suffering from intermittent claudication (that’s blocked arteries in the legs), high blood pressure, Diabetes Type 2. and that I was overweight.

Not a lot of pleasure there! The intermittent claudication made it increasingly difficult to do much, so that in effect I had become a prisoner to my house and garden. Exercise was out of the question, my legs simply couldn’t cope, but it was hoped that angioplasty to each leg would cure the problem. It didn’t.

My high blood pressure, I was assured, could be treated by a cocktail of drugs and by weight loss. The cocktail of four different drugs worked, but I could not seem to lose weight.

So I was given a choice: the blood sugar levels could be controlled either by drugs or by diet. Since I was already taking four different drugs for blood pressure, I thought it best to try diet control. I was also hopeful

Choosing the Perfect Baby Name

Names are important because they represent a person’s identity. The names we are given typically stay with us for a lifetime. This is why prospective parents struggle so hard to find the perfect baby name.

But, choosing a name can be difficult. After all, there are many different ways to go about it. Names can be chosen based on origins, meaning, uniqueness, or something else. This leaves many people wondering exactly how to get started. If you’re looking for the perfect baby name, here are some baby naming tips that may help:

Popularity
Though there have always been extremely common names, most baby names tend to follow some sort of trend or cycle of popularity. Some parents prefer choosing a baby name that is rare, while others try to find a name that is fairly popular. Think about how you felt as a child. Did it make you feel special that nobody shared your name? Was it frustrating that others had the same name as you? Your child may end up with many of the same feelings if given a unique or popular name. Carefully consider these feelings before choosing

5 Super Simple Weight Loss Tips

Weight loss is one of those subjects that everyone is always talking about. It seems you can’t go anywhere without seeing or hearing some type of weight loss message. Stories of the dangers of not losing weight appear regularly on the nightly news. Retail outlets and the Internet both are full of weight loss books and products. Weight loss is discussed in medical centers and at schools and even in the work place. If you’re trying to lose weight, here are a few tips to get you going.

Tip #1 – Stop Talking About Weight Loss!

All that talk about how much you want to lose weight isn’t going to make the weight come off. You’ve got to take action, starting right now. So take this simple advice: Stop moving your mouth and start moving your body! It won’t take long to begin seeing the results.

Tip #2 – Slow and Steady is Best

Slow and steady weight loss is better (and safer) than riding the dieting roller coaster. If you’re looking for long-lasting weight loss results, aim to lose an average of about two pounds each week. In order to lose weight you’ve got to consume fewer calories than you burn. As a bonus, when you combine dieting with exercise, you’ll be reducing your caloric intake and increasing your caloric burn rate at the same time.

5 Great Tips To Make Your Goals Your Reality

Goals are a great tool for motivation. But if you don't use them correctly, they can also be a source of frustration. Goals are only empowering if they are used properly. So how do you make a goal into something that is a benefit for you?

Goal-setting strategies are important especially for to help you create the type of success you desire and deserve. Here are five goal-setting techniques to help you realize them.

1. Balance Your Goals : In your life you will have personal development goals, personal finance goals and things goals. Don't neglect any of them. It is ok to want things, but don't forget to balance those pursuits with your own growth as a person. All of these goals are important so be clear about all of them and make them real for you.

2. Plan Actions From Your Goals : Goals are not items for your to do list. Your goal is what you are striving for. Plan specific actions that lead you towards those goals. Use the goals to provide your compass for those actions. When you plan actions for the day you can easily tell if they're going to be effective if you have clear goals to compare them against.

3. Share Your Goals : If you were an archer, would you keep it a secret that your goal is to hit the bull's-eye? Too many keep their goals a secret. Share your goals with people who will support and encourage your aims.