Some New Year Surviving Tips for You

The New Year is just around the corner and the whole world will celebrate it with much struggle. What I mean by the word struggle is that most of the developed countries are in crisis right now as seen in one of my previous article. Developing countries are also widely affected, though not so much as compared with the developed ones. To survive the struggle this forthcoming year, I am posting some tips for you that I hope may be applicable to you.

Applying this approach to our own individual financing is appropriate now by building up on our savings. The economy is in a downtrend and there will be employment loss, lessening of income, etc. and a plan of increasing savings will really come in handy.

With a good cushion from the savings accumulated, this will help us to be in flow with the hard times. It does not necessarily mean that with good preparation and suitable planning, we will not be able to experience the difficult trials ahead, but instead it will make each one of us more durable for the upcoming “storms”.

Your monthly expenses should be regularly checked against the savings made so that you may make an alternative plan on what to do in case your income suddenly ceases. It is a good sign if the savings you have will make you last for more than a year.

For those with little savings, we must exert that extra effort in increasing up on the savings. The best way is to minimize spending. Tightening of the belts should always be done and a stricter lifestyle should be followed. You may easily minimize spending if you are really definite in achieving your goal. You do not have to sacrifice your lifestyle; all you need to do is be creative.

Also find time to explain to all the members of the family that some things will eventually change in the expenses of the whole family. Make them understand that it is for the best interest of everyone if these important changes are done on how we will live our lives today and in the future. Reduced expenses and surplus outcome will serve as the buffer for the family to prepare ourselves for the bigger trials ahead. Remember that the bigger the savings surplus, the better for all.

For example, you may be able to have a momentous summer vacation in a more affordable place and within the budget against an expensive out of town or out of the country trip. Time with the family during the outing is much more important than the location of the vacations.

Eating home-cooked special meals is better than eating out in restaurants. These meals cooked at home cost little as compared with meals eaten in restaurants. Ways on cutting down the expenses on groceries and other bills will also help.

There are other outstanding ways on cutting down expenses if you really want to. If we are prepared for whatever storm that will come, why would we worry?

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Knowing NoFollow and DoFollow

There are many forums and discussions already about the nofollow concept and you may be wondering, if you are a beginner, what in the world it is. Or should we do a nofollow or a dofollow? That is really the big puzzle until now.

Concept of NoFollow. Understanding this nofollow concept takes time. This concept, also called do not follow, is a google mechanism so introduced to fight spam and also to enhance the searching quality of visitors and to remove false links. The tag attribute rel=”nofollow” does not give any credit to links that are connected to it and also remove from others the benefit of linking with a high page rank website.

There are fanatics of actual search engine optimization or SEO that makes use of this kind of attribute in most of the links that they have in their site. They are also hoping to have clean tactics and eventually not lose their high page rank. This page rank is valuable and should be taken care of.

Concept of DoFollow. It is actually the exact opposite of nofollow or those site without the tag attribute rel=”nofollow”.

What is the next step then? I would recommend not following everything as it is not the right answer if you should follow the nofollow or the dofollow. The corporate links are not advised to be followed as most of these links are unrelated. Links on those that are related to your blog or better have a blogroll with those trusted blogs or links or link with your blogger friends as follow. In this case, a dofollow should be done.

In whatever case of no follow you do with your blog, it is better to seek out others first just to be sure you are doing the right thing.

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Things in Making or Breaking a Website

There are sites that visitors like very much, but still they do not like to buy. It is hard to assess what really pays off and which sites do not.

Here are five aspects that, in my opinion, may break or make a site successful.

Not so Good Site Design. Many other websites are nicely designed in order to enable visitors to go to your site. If there is already site traffic, visitors will judge your site as how the site is designed professionally. If it looks otherwise, or if it is tough to navigate, most likely that site visitors will not trust you enough with their money. Better learn about modifying your website by teaching yourself a little about HTML. Moreover, I guarantee you it is a little easy once you get the hang of tinkering with the HTML in your own site.

Traffic at a Low Level. There are many ways to increase your traffic like the PPC, social networking sites or even article marketing. Articles will usually send people to the blog or site and eventually there will be different offers on other webpages linked from your own blog. Believe me, it works. Better try the different social networking sites, but it will take lots of patience on your part to submit your links to these networking sites.

Problems in copywriting. Bad copywriting will definitely destroy the site sales, and will increase sales if it is good. The prospect should be told on how the product will enhance their life for the better by promoting its benefits. It is better if one could check the errors in grammar and spelling if there is any. Other people judge sites through the usage of the words and how you write including grammar and spelling. Make sure to make it right. If one will rewrite an article, the copy should be rewritten to the best of one’s ability and somebody should proofread the work.

Make untargeted traffic not your traffic. For instance, if you have a Persian cat website, making use of the word “cats” as the keyword in Adwords is not a good idea. In the end, paying for lots of traffic and few interested people is not what is intended. A targeted traffic is better than the general traffic. In addition, if specific items are aimed to be sold, it is better if the targeted traffic is sent directly to the webpage of the specific item on the site that will show them the item that they are looking for.

There are no specific rules in making a successful site, but by experiencing these things I mentioned above by far are from the familiarity and the know-how of the people who are successful in their sites.

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The Implementation of Video Search Engine Optimization

In implementing video search engine optimization (VSEO), the filenames should be catchy and relevant to the intended phrase or keyword. And in uploading the video sitemap, more keywords and phrases will most likely be indexed and founded by the major search engines. Better add meta data to the video files so that the campaigns of search engine optimization will be used.

If the video content is added to other external sites like You Tube, just make sure that the video will be linked back to one’s own site. Video linking to important keywords all over the website will enhance the value of the video as well.

Branding in the video should be displayed in order to increase awareness of the brand. Video transcripts are also advisable to be added in order to make the content more credible to the webpage and so that more important information will be crawled by the spiders. The video transcripts should be related to the keywords, the video brand and its appropriate content.

To keep most audiences interested in the uploaded videos, better make it short and concise. If the video is long, maybe breaking it down into smaller parts will be better so that more video content quality will be optimized. It is also wise to give the chance for the site visitors to rate the video that was uploaded.

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Important Reasons Why We Need to Use Video Search Engine Optimisation

Promoting one’s online content is becoming very important in the world of search engine optimization or SEO. In 2009, it is foreseen that video search engine optimization or VSEO will boost up tremendously. Video portals like You Tube, www.youtube.com, and submission site like Tube Mogul, www.tubemogul.com, make it easier for each one of us to upload our videos in the web.

At present, videos are now included in the outcome pages of search engines thus links and other source options are added to one’s website and brand name. Websites with video are indexed fast and ranked heavily by key search engines. Duplication of video content on third party websites like You Tube is allowed without suffering from any penalties on duplicate content.

Remember to give the key search engines something to crawl about. Better to pick or make a video that is closely related to the content of the website and such information will make the visitor stick to the site and will add more weight to it. Do not add a video that is not connected with the site, just for the sake of adding a video, and it will just confuse the readers.

Video adding allows more web pages to optimize phrases and keywords that are relevant with the content of the web page. Relevance of the videos with the content of the site is important as well. Videos make it easier to add fresh, new and vibrant content to the site.

Traffic will increase and search rankings for a specific page will definitely improve by embedding videos in the pages. Most search engines make use of many different factors to establish the importance of ranking of an online specific page. The length of a visitor session on a page will increase if one embeds a video. The longer time a visitor stays on a site is interpreted by Google as the page has an increased value, meaning higher ranking in search engines.

It is vitally important to make the video content on your site be able to be search by most search engines, which can be done through the usage of sitemaps, media RSS and RSS feeds. The introduction of Google called Video Sitemaps will index the content of the video. If the files of the video are correctly labeled, this is essential to the search engines.

More information about video sitemaps may be accessed here: http://www.google.com/support/webmasters/bin/topic.py?topic=10079


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YNAB, The Software of the Times

The world economy is going in shambles. Company mass lay-offs and unemployment plague our society that uncertainty grips every nation--as every individual lives in fear of getting their hard earned income drained to stupor.

In hard times like these, there is nothing we can do besides depending on ourselves and stick to the basics—that is good old reliable cost-cutting and belt tightening while taking hold of what we got. Innovativeness is also one of the best assets we can have, and that can be found on YNAB.

YNAB or You Need A Budget software is a powerful tool of the times. It helps people deal with the most difficult and trying task of our period—budgeting tight finances. Most of us are not properly educated to arrange a good personal budget at home, that is to say it is almost always easy to spend and squander hard earned money than to budget it. But budgeting or planning your finances is a key to a better life ahead of you.

College education, a newly owned house, a car, a retirement plan comes from a well budgeted lifestyle of today. That’s why YNAB helps people with efficient software that helps you understand and sketch a well-organized financial diagram that suits your income and expenses at home.

Planning with YNAB is your key to a successful tomorrow. YNAB budget software is the best tool today; it will help you safeguard and guarantee your savings in catastrophic period such as today—where economic failure is a common thing.

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The World Has Become Personal Again

As the globalization syndrome grips humankind, the world slowly becomes too oversimplified. People do not approach people anymore in a personal level. They refer to each other as superior and subordinates, order givers and order takers, command and obey and so on and so forth. Such predicament is a pitiful sight especially if to be seen in the season of gift giving. That’s why it is always a welcome sight if anyone offers personalized services or help that brings back the old good values inherent to human.

Pexagon, in the light of personalized holiday gifts they offer 20% discount on their 4 holiday gift ideas. Imagine receiving a Thumb Drive up to 16Gb capacity in a custom laser engraving. Pexagon would engrave two lines of personalized text on your Thumb Drive for the occasion. They even have an environmental friendly Wooden USB Flash Drives with attached caps. Available in 2 and 4 GB capacity with 2 sided custom laser engraving.


They also offer personalized pens in 3 unique styles and colors along with laser engraved text of your choice. Business card flash drives are perfect for corporate giveaways. The look is of a business cards but the inside conceals a small USB cable in 2 GB capacity. Of course it also comes with 3 lines of laser engraved personalized text of your choice.

People will always remember events and occasions where they are being treated in a personal level. They always take into account things and memories that treat them as special particularly if they receive gifts with their names on it.

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More Ways to Work More Efficiently From Home

Working from home has plenty of benefits and advantages, but bear in mind there are also some drawbacks. Here are some tips on how to make working from home a smooth experience for you.

Always dress up. You do not have to be in formal attire, but rather you may dress in a comfortable outfit. The manner you look and dress will affect your productivity and attitude toward work as well. And the changing of your outfit will distinguish yourself psychologically between work and home which is an important distinction while working from home.

Make a separate office. Your work area should be a little bit separated so that there will be little distraction as much as possible and increase in productivity will follow. You may work either in the family room or from the kitchen counter.

Put a little discipline concerning break times. Give yourself a little break in between work, maybe around 10 minutes is enough to watch television for a while. There is a need for discipline and time management and this need becomes greater especially if you are on your own. Periods of time should be fixed when you work and you should stick to this break time faithfully.

Restrain yourself regarding eating snacks. There is the tendency to eat more when you are at home. It is very easy to go to the kitchen to get a snack. Too much of these will destroy your productivity and also your waistline. Better exercise discipline and good judgment.

Get another phone line for the business. Whether you are an employee or you work on your own, it is advisable to get a separate phone line for your business. If you have an answering machine or service, better make sure that it is working and the quality of the greeting is good.

Educate your family and follow guidelines. If you have your family living with you, whether your spouse, parents or children, make sure they know about this work-at-home arrangement. It is hard but they should know that even if you are at home, you are home working. Hindrances like knocking on the door to take care of domestic tasks or emergencies will not make it possible for you to complete your work in time. Guidelines must be set and followed always.

Determine your start and stop period. Working from home will assist in the balance between your work and life, as what other people think. This is especially true as long as you know how to maintain the distinction. If you fail in making such difference, the balance between your work and life will become even worse than before as you will not be able to know when to stop working and start your home life. When the work period stops, do stop and steer clear of your office work area.

Regularly communicate with your boss. Avoid the situation “Out of sight, out of mind”. Better make sure that your superior knows about your undertakings. If your work schedule requires you to be physically present in an actual location twice a week, better meet your boss as well so that he will know what you’ve been up to. If not, tell your boss about your successes and your projects either via e-mail or phone. Avoid the less chances of promotion and increase of salary via lowered visibility.

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Reach the Goal of Saving Money and Minimize Spending

Hey, come on. The holidays are fast approaching. I think we should be able to do something in terms of the expenses that will be incurred during his season. Yes, you will not be able to avoid costs for this matter as it is a time for celebrating and for reunions. Here are some tips on how to plan your upcoming expenditures for the holiday season and the years to come. Better add also other costs like birthday parties, payments for insurance, taxes which are paid annually and the holiday gifts as well.

Earn extra. If you are a student, you may be able to get some sidelines or be employed part-time throughout the year. That will help save up for the holidays next year. Whatever amount your earn must be set aside for the expenses of the holiday season.

Making use of your credit card wisely. Either your credit card can be your best friend or your very worst enemy, that is depending on how you make use of your card. You can use it to your advantage if you use your card responsibly. Some cards offer cash rebates and reward points that may be exchange later on for airline miles or other such items.

Be personal. Create gifts that are homemade. Do this during your free time so that you will not be cramming for the holiday season. Designing t-shirts for your friends will have a personal touch that will be very appreciated.

Make big sacrifices on such small stuff. Do not be spendthrift so that you will have enough money all throughout the year in order to avoid for you to reach your credit limit on your cards. I know that will not be such a big sacrifice. Try not to spend on your regular Frappuccino, for example, will help save you more money for next year, which may be your holiday budget.

Schedule your purchases. You should schedule your gift buying before the holiday season. Take advantage of the mall-wide sales or other flea markets all throughout the year. It will save you a lot of money and stress as well.

Help the poor. Try to purchase stuff from groups that are cause-oriented like the bazaars and other worthy, charitable project. It will be a much more meaningful way for you to celebrate the holidays not only because you are trying to save money but also you will also help make the world a better place to live in.

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The Highest Unemployment Rate in the US

There are many hungry and unemployed Americans nowadays, and the numbers are the highest in a fifteen year period. The users of food stamp hit the record of 31.6 million or a ratio of 1 to 10 Americans.

More than half a million workers in the US were displaced in their jobs in November, and it is said to be the largest loss of employment in one month since the year 1974. It had a negative effect on the market, and the Dow closed up at 260 points. The unemployment rate was up to 6.7 percent which is the highest in 15 years. As stated in the video, Dedrick Muhammad of the Institute for Policy Studies said that the 6.7 per cent mentioned does not include the underemployed and those who discontinued looking for work.

Please do watch the video to find out more on what I am talking about.

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Great Opportunities during these Trying Times

The world is now in its crucial stage of rebuilding from the present financial state of chaos. The experience is like a very big tsunami that never happened before. You may say that this situation never brings danger and harm to human lives, but admit it; it does bring damage to financial wealth directly.

Since last year, many lost much of their wealth during this financial crisis. Some say the worst is yet to come in 2009. Those who invested in stocks like the investors in India, China and Hong Kong, experienced more defeat than those who invested in bonds. There are those who stayed in cash and who are in an out-of-danger situation from this crisis. Most of the companies now are in a downward trend and if this continues until the next year, some properties are seen going down in value. Moreover, the reality will come when people will start selling off their real estate property.

You may ask yourself, “Who should be blame for all these crises?” Possibly the banks, whom we trusted well, plays a great role in this chaos and they paid heavily for their mistakes. Most of the banks worldwide are always trading at half of their values and some are trading at 20% of their high value. It is a good thing the US federal government bailed out one of the banks like Citibank or else this bank will still be in trouble until now. Let us see if the investors and bank will learn a lesson from all of this.

It is very important that a leader of a nation has the intention in solving poverty and in that micro entrepreneurs and small businesses will be able to move up the financial ladder. Good governance is the key and an entrepreneurship revolution is what everybody needs. I think more men and women should be able to realize that the answer to problems on poverty is the formation of more business. More businesses mean more employment and improvement of lives of the people.

We must work together as one, whether we are in the public or private sector to be able to support the enterprising leaders and other people in our own location.

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How to Start Your Home-Based Job

With the downtrend of the economy worldwide nowadays, I know you may be interested in starting your own microfinance business. You may like to consider some of these tips. In many cases, working from home will be a more satisfying experience than working in an office.

Setting up your home as office. You may register as a single proprietorship or partnership if you have a partner with you in your home-based job. And then you need to spend an amount of money to convert a certain portion in your house as the office.

You may also purchase office tables, personal computer, office supplies, airconditioner as well as a fax machine. Subscription to an internet provider is recommended and a separate budget fee as payment for electricity.

Decide on a fixed work schedule. Do set up a strict schedule for you to work. You may want to work while the kids are in school and when the home chores are done. Meeting schedules may be scheduled a few times per week or lunch meetings are also appropriate.

Be professional. Even if you are working from home, that doesn’t mean that you have to be unprofessional in terms of dealing with your customers. Professionalism is called for at all times. But there are some people who consider those working from home as less than professional. It is otherwise, I know so.

Outsourcing may help you in other non-essential tasks. If you can do every task on hand at home, then that is okay. But there will be instances that you may like to get additional work from someone so that he may be able to help you. Others get a messenger to regularly deliver documents or publications to clients.

Come up with the formula for a right balance. Work-life balance is easily achieved by working from home. This is the right opportunity for the family members to understand your work and they will further be able to respect the time that you give into your home-based work. It will be as if you are still in the office, working within the office hours and at the same time give the utmost attention your family will need.

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