The planning...

The next few months are going to be very complicated, the opposite of the "Simple" life we're looking for. We've both talked about how we want to just start our life, fast forward to that point where we've got the house, and are settled in, building for the future. But for now, there is a lot more to plan and get done. For instance:

Wedding in California, where Darcy's family is. We're going back and forth over size. Our initial guest list had a max of 165, including children, if everyone came. We don't expect them to, especially a lot of the East Coast people. We've considered trimming the list down to 75 or so, but still need to work that out.

Finding a location is difficult. Darcy was out there all last week and looked at several places. We're planning on paying for everything ourselves, so we're looking for bargains. We're finding that most places want you to use their catering and so forth if you book their facility. That jumps the price. Places that allow you just to rent the place, mean a whole lot more work.

Food...make our own, (family style) cater, or just serve Hors Doeuvres and drinks.

Transportation for our friends and family. Darcy is in the travel business, so she's looking to get some bargains for those who will be coming out with us.

Honeymoon.

Not mentioned yet, was of course, the dress, the flowers, the tuxes, all that stuff.

How to do all of this and not amass a huge debt is the challenge. We don't want to enter married life with huge debt because of one day....Should be interesting!

My finances at the moment are looking pretty good. I hope to have a snapshot up near the end of the week showing where I'm at.

Its Official!

OK...so I can break my blogging silence here finally.

My large purchase that I paid cash for was an engagement ring for Darcy. She accepted it yesterday and we're engaged...looking forward to a life together.

With that made official, there is now a whole world of financial planning coming up. We need to consider:

• Wedding plans (likely to take place in California - where Darcy's family and friends are.)
• Honeymoon
• Future Planning (House, etc)

Things should be picking up on this blog in the coming days and weeks. I was a little quiet because I didn't want to give too much information away...

Checking In

Got a few good payments this month on the web stuff, so I was able to pay an extra $100 towards my car payment and make a $400 payment on the credit card.

I'm left in pretty good position this month because I don't have to rely on mailing my rent check so that it will get there after my next payday. (Wednesday) I have the money right now, in the account.

A unit has opened up in my building for sale. Darcy and I are looking at perhaps buying the unit and building equity for a couple of years instead of paying rent and then either selling or renting it out. We'll see what happens, the realtor hasn't even returned our calls at this point.

Planning Ahead

One challenge that I seem to come up against is the fact I have a few different accounts out there, and it isn't always easy to access my funds across those accounts. Sure it can done, but it requires some better advanced planning on my part, which isn't always my strength when it comes to financial things.

Example. I just received a couple pretty good sized payments via PayPal. I have the PayPal debit card and sometimes use that for gasoline and groceries. It would take 2-3 days for any amount that I transfer from PayPal to appear in my checking account. Then, if I wanted to make some sort of on-line payment to a credit card, or make a payment via check to my car, it would take a few more days. Since the payment date on those items is coming up rather quickly, it takes some quick decisions on my part to make it happen. Quick decisions are not my forte.

Right now, I think I'm going to transfer a portion of these payments to my checking account, and then make a larger-than-normal payment to my credit card. (Min payment is $50, I was planning $200, now I think I'll do $400) The card is 0% APR for the next 10 months, but I'd still like to get it paid.

On the other hand, I have two savings accounts, one with ING and the other with VirtualBank. Looking through Yodlee, I've got just over $2400 in those accounts, with a purchase of about $2000 coming up. What I think I'll do with this is make the purchase with my other credit card, then transfer the money I need into my checking account, and then pay off the card before there is any payment or interest due.

The bad news will be that my savings will be just about depleted. The good news is that I will have saved up for a major purchase and paid cash for it. Rather painlessly, too.

My other project...with the local FSN station...appears to be coming together. My contact there has said that they are building the page and logo now, and I should be posting there soon. Once that money starts coming in, I'm going to bulk up my savings and investments a little more. I think I'm going to do a minimum of $100 to the Sharebuilder account monthly, (Up from the $50 now) and perhaps double my other savings from $200 a month to $400 month. This should still give me a couple hundred dollars more per month for my bills and expenses, plus allow me to save for some more planned expenses coming up in the spring of next year.

Sounds easier to make decisions when I write them out in this fashion.

I'd like to also thank the two sponsors who have helped out the site and my financials by purchasing a blogad in the right hand column. Give them a visit...

More income?

It appears that my wish to increase my income another $1000 a month has gotten a boost.

It's not totally passive income, but it is money that I'm not going to have to work really really hard to get.

The local Fox Sports News cable station has approached me about doing updates on their website about the local NBA franchise. I would do updates after each game with links to stories in the local papers, as well as a weekly column. For this, they have proposed $200 per week. That means $800 a month!

I'm hesitant to post about it, as I was supposed to do something similar for them last season and it fell through on me. They were very apologetic this time and have eliminated the "middle man" company they were using for last season.

I would be getting paid monthly, which would make it easy to distribute that income among the different accounts I'll be putting it in.

Let's hope it works out!

Passive Income

NationalPayday.com offers a free cash advance to all new customers. Get up to $300 quickly with no credit check.

--------------

Let's list sources of passive income.

By that term, I'll loosely define it as ways to earn money by taking an initial action, and then letting the initial capital grow, or develop on its own.

Ways:

Investments
Savings Accounts/Money Markets

I'm reaching a blank...what else?

I've got a website that I make a little money from, but I do have to work at it...a couple hours each day. I'm working on a couple other concepts which might allow me to make money without having to take such an active role.

Let's create a list here in the comments section, and I'll pull them together and make sort of a master list.

What am I doing?

I need to get back on track.

For the last few months, I've sort of been skating along...not exactly racking up the debt, but probably not being all that frugal either. I have been putting away the $250 month in savings and investments, but otherwise I'm pretty much spending all my income. I'm not behind on any bills, but I'm not making up ground either. My last two car payments have been for the minimum...the first time in the nearly two years I've had the car that that has been the case.

Was it summer? Did the good weather and having things to do put me in the position of not caring about my finances as much as I should have? Could be. In any event, I think I need to outline some goals for the fall:

1. Create more passive income - $1000 a month would be ambitious. I'm going to try.
2. Increase my savings plan by $100 a month.
3. Pay off the credit card, despite having 0% APR for a year.

Month End Update

Here's something I haven't provided the last couple months, a financial snapshot.


I'm a little disappointed in my progress at this point. The credit card balance is back up there, and so I'm sort of starting from scratch. It went to a good cause, but it's still an blight on the record here.

The car payment has come down a bit since the beginning of the year, and the other positive balances have gone up.

In the coming months, I expect to be investing in a bit of jewelry. That's sort of what the VirtualBank funds are earmarked for at this point.

I may need another big November to put me back into where I'd like to be by the end of the year. I was hoping to actually forego the fund raiser on my other site, but it's looking like I'm going to need to go to that well once more.

I'd like to have the car and credit card debt paid off by the end of the year. Four months to make it happen and go into 2006 with a pretty clean slate!

Overdue Update

For some reason, I haven't had much to report in this space as of late. That's unfortunate, because I know people are stopping by everyday and I've had nothing for them.

What's been happening in my financial life? Not a whole lot, I did that recent balance transfer, and then last week I made a financial gaffe and realized I hadn't sent out my Jeep payment until the day before it was actually due.

This week I will be spending money, but hopefully not using any credit. Darcy and I are going with another couple out to San Francisco, where Darcy is originally from. We got $99 fares each way from Independence Air from Manchester NH to S.F. so that was quite reasonable. On Friday night we're going to a Giants game and on Saturday we'll be doing some wine tasting in the Napa Valley.

I'm going to be "photoblogging" the trip on one of my other blogs, that blog has a food theme, so the pictures and things I'll be blogging about will involve food and wine for the most part. You should start seeing photoblog entries on that site starting Thursday evening. The site address is at http://parttimegourmet.blogspot.com/ So be sure to check that out if you're interested.

I'm hoping to keep costs relatively low for the trip, but we'll see how that all goes.

I've tried to keep things relatively on-topic for this blog, so much so that I guess recently that I've had bloggers-block for this address. You would think that wouldn't be the case, since we all use money every day.

Balance Transfer Done

I have successfully engineered my first ever 0% APR balance transfer.

When I received my card from HouseHold Bank, I called to activate the card, and while on the phone with them, the very helpful representative assisted me in making the balance transfer....right over the phone.

This was on Wednesday, and this morning I went and checked my Capital One balance, and it is all paid off once again. So now I have 12 months of 0% APR to pay off that balance, though I plan on paying it off much sooner than that.

I have to say, I was very impressed with the rep from HouseHold Bank. She was extremely friendly and helpful. It was nice to be treated as a real person, rather than the second rate credit risk talkdown that I have been subjected to in the past from other credit companies. Here's hoping it continues.

Trying the balance transfer trick...

Over the course of the last couple weeks, I've suddenly rung up almost $1800.00 in credit card charges. This is disappointing to me, after having worked hard to pay them off, but none of the purchases were frivolous, and as mentioned in the previous post, most of them were to help my parents out.

I was dreading paying the interest charges again, as there would be no way I'd be able to pay the whole balance off this month.

Then it occurred to me, I have a brand new credit card on its way to me which is offering 0% financing for a full year and free balance transfers. So I'm going to try something that I've only been able to read about others doing; I'm going to transfer that $1800 to the new card and save the interest until I can pay off that balance in the next few months.

I'll keep you posted as to the progress of this transaction, as mentioned, I haven't received the card yet, but I do know it is on the way and I know the credit limit I've been given.

Unexpected (but worth it) Expenses

This weekend saw my credit card balance go up to $1000 after being paid off a couple months ago.

This weekend there was a family reunion up at my parents farm. About 100 people were in attendance, some of whom I hadn't seen for several years. After everyone left, Darcy and I stuck around to give my parents a gift for their anniversary.

About 8:00 my dad went out to milk the cows, and then came running back in with chilling words: "We've got a fire here!" I looked out the window and could see flames coming out of the barn. I ran to the phone to call 911, but it was dead. My sister grabbed her call phone and dialed for help as I ran down to the barn, my father was there inside spraying down one of the walls with a hose, it hadn't spread too far yet, so he was able to get the flames under control while the fire department was on it's way.

In the meantime I was getting the cows in the area out of the barn. One cow directly in front of the fire was was burned slightly on the ears and hurt herself as she pulled back from the stall and yanked on her chain, her neck rubbed a bit raw. We got her out ok though, along with the other ones.

Once the fire department got there, they tore out some of the walls to make sure there wasn't still fire or embers in there that might ignite again. They figure it was an electrical fire, perhaps from a radio. They were there for a couple hours. Once they left, there were a whole number of problems that were left to figure out.

There was no electricity in the barn - no lights, no power for the vacuum milking system.

The Cows need to be milked - if you don't milk cows on schedule, they might actually start leaking milk, and if they're not milked on time, the milk can actually start to sour inside of them, causing an infection.

Thankfully there was still power to the milkroom, where the milk is kept in a chilled, stainless steel tank.

A neighbor (who is also a farmer) came up and helped get some things sorted out. They figured out that they could get the vacuum pump working for the milking, but still had no lights. It was just about closing time for the local Wal*Mart, so Darcy and I ran down there and bought a small generator, a couple sets of floodlights, some long extension cords, a a fan and a couple other items. Ran close to a $1000 - put it on the credit card, but didn't think twice about it.

Get everything set up about midnight and was able to milk the cows and close up around 2:00 am. A long day.

I'm going back over there today, and if there are more needs, I won't hesitate to put more on the card to help them out.

What is CSA?

I've gotten a couple questions asking if I have more information on the CSA that I mentioned a few posts ago. This morning's Boston Globe had a piece on Community Supported Agriculture, where the farmer sells shares of "stock" in his land each spring, and all the "shareholders" receive a portion of the produce grown on the land, according to how big their "share" is.

A pretty neat idea.

Farms' investors enjoy the fruits (and veggies) of their labors

This is one of the ideas I'm kicking around for putting the land on my parents farm to better use in the future...part of the "simple life".

I'd like to be able to leave the rat race and support myself on a variety of income sources, this could be one of them. It's a long ways off, but you'll probably see more of this type of stuff and thinking in this space moving forward...

Coming soon...

I will post something soon...I promise.

Maybe a look at some pretty major expenses I could be looking at in the next 12 months, and how I should handle them.

Some major things that could be on the docket...

• Engagement Ring
• Wedding
• Honeymoon

Further out:

House down payment

Things could be getting interesting, but I need to come up with a plan first!

Should you quit your job?

Mark Morford in the San Francisco Chronicle has a fascinating article today looking at those who are leaving their "safe" jobs to pursue other things.

Call it "the cafe question." Any given weekday you can stroll by any given coffee shop in the city and see dozens of people milling about, casually sipping and eating and reading and it's freakin' noon on a Tuesday and you're like, wait, don't these people work? Don't they have jobs? They can't all be students and trust-fund babies and cocktail waitresses and drummers in struggling rock bands who live at home with their moms.

Of course, they're not. Not all of them, anyway. Some are creative types. Some are corporate rejects. Some are recovering cube slaves now dedicated full time to working on their paintings. Some are world travelers who left their well-paying gigs months ago to cruise around Vietnam on a motorcycle before returning to start an import-export business in rare hookahs. And we look at them and go, What is wrong with these people?

It's a bitter duality: We scowl at those who decide to chuck it all and who choose to explore something radical and new and independent, something more attuned with their passions, even as we secretly envy them and even as our inner voices scream and applaud and throw confetti.

I'll admit, part of the reason for this site is to Simplify My Life so that I can do just that. It's not something you can enter into on a whim, however, I realized that I needed to get my financial house in order to be able to even consider living a simpler life on reduced income.

I have my ideas. My parents have a farm, and I've kicked around the idea of building a house there (They've said they're setting aside house lots for my sisters and myself) and working from home there...the idea being twofold, my living expenses might be less, and I can be available to help out my parents when they need it.

I could look into growing certain crops, organic even, or doing something called a CSA (Community Shared Agriculture) the opportunities are there, the land is there, and my parents struggle at times to get by.

I've spilled a lot here, and more will come as we go on, but the dream to Simplify My Life lives on...

Checking the mail

Went to the mailbox and found a couple of items of interest. Well, to me, any way.

The first was a notice from Capital One that they have actually increased the credit limit on one of my cards. Granted, it's only $500, but it's the first increase that I have received since I got the card, probably about four years ago. I don't plan on going out and taking advantage of my higher credit limit, but still it's nice to have them giving to me with having to ask them.

The second was a credit card offer. Yes, I do get plenty of these each week, and most of them are from Capital One. This one however was from Household Bank and is the first time that I am actually considering applying for the card. The offers I get...most of which are from Capital One...mostly consist of six months of 3.7% APR, followed by a 12.99% rate later on. This card would have a full year of ZERO % and an 11.24% rate after that.

Now I realize that that rate is probably still much higher than anything a lot of your would accept. For me, this is actually the best offer I have received in the last few years. I'm considering opening the account, just to have it. I currently have two credit cards, both zero balances, and both with Capital One. Does it make any sense to open an account with another company, but not use the account except in case of emergency?

Now, these are minor items, yes. But to me, in looking at them and thinking about it, it appears to be that I can take the increased credit limit and improved offers to mean that my credit is slowly rebounding. Without going and pulling my credit score to see for sure, I can use indicators like this to assume that my own personal "stock" and credit worthiness is slowly on the rise...

Another Small Step in Investing

So I looked at my direct deposit paycheck stub today, and realized that my meager cost of living increase has gone through. Before taxes, I will now make about $68 dollars more per month.

Very exciting, I know.

So I decided to take that money and do something with it. It's not much, but maybe I can turn it into more. Give myself a bigger raise, as it were. I already have a Sharebuilder account and decided to go through their "Portfolio Wizard" tool and see what it would recommend. I followed the steps and it recommended a couple of investments to make. Coincidentally these were both investments I had looked at already and was interested in making. So I set up $50 a month to go towards those investments.

It's not much, I realize. But now I have $250 per month that is being taken directly out of my check and placed into some sort of Money Market (Virtual Bank or ING) and Investments (Sharebuilder)

We'll see what happens.

The 11 Best Money Saving Ideas of All Time - Part 4

The 11 Best Money Saving Ideas of All Time - Part 4

by: Palyn Peterson

At any time in history, no matter what the current state of the economy, no matter what the current trends, no matter what the unemployment rate is or where interest rates lurk, some money-saving ideas stay true.

Some of you may have heard of these ideas before, others may be entirely new to you. But whether you are familiar with these super secrets or not, it will be well worth your while to put them into effect in your own life. The magic they will work on your financial life is guaranteed. I urge you to put them to work - any one of these could change your life! Big changes come from small steps. One plus one does equal two, so if you add one from eleven different places, you will see big results.

This is a four part series giving you advice on saving your hard-earned money in a variety of down-to-earth ways. Nothing here is anything that anyone can't do on a daily basis.

Amazing Money Tip #9

You must set short-term goals and long-term goals. If you don't know where you are going, how do you expect to get there? It's simple but powerful logic. When you have a target sitting out there somewhere in the future, a target which is your goal, it can almost act like a magnet that pulls you toward it.

Setting solid goals which are attainable, yet still a challenge, have proved time and time again to be one of the most powerful methods of achieving wealth and success ever developed. It has been demonstrated in corporate training schemes. It has been used successfully again and again by countless individuals. Setting both short term goals and long-term goals has the effect of focusing your mind like a laser beam. It pulls you along toward higher and better things. It gives solidity to what you are trying to accomplish, and thus makes that which you want more real and likely to come into your life.

As you have probably heard, it is best to write your short- term and long-term goals down on paper and then post them somewhere in your workplace and home. The first thing you should do every morning is look over your goal list, and then put together your Top 10 to do list which will move you toward your goal. The last thing you should do every evening is review your short-term and long-term goals, and tell yourself as you go to sleep that you are going to do everything in your power to make those goals a reality in your life.

Amazing Money Tip #10

Invest your money and make it work at multiplying itself. Saving money in a savings account is important as we said above, but the 2.3 percent interest rates most banks give you is not even enough to keep pace with inflation.

You must do more than save your money -- you must invest it. That means financial vehicles with super-high rates of return, such as mutual funds and stocks, or the more risky commodity markets.

A $5,000 investment in commodities can return you 10 times that amount -- $50,000 --in just a few weeks, although you could easily lose it as well. Invest your savings into a long term certificate (CD). You can often get one with an interest rate up 4.5-5%. They are 100% safe, and still give you a much better return than normal savings accounts.

The bottom line is, you should take a portion of your savings and put it in a high interest or high risk investment plans. That's the way to really get ahead.

Amazing Money Tip #11

Have fun! Yes, this tip easily makes my list because it is so essential to your success. The great writer Ray Bradbury once said in an interview: "If you are not having fun, you might as well forget it. Do everything you do with joy and you'll be successful." You need to be having fun to stay positive, and you need to stay positive to make money. So come on! Get out their: laugh, clap your hands, live! Have a blast and rake in the cash! The world is waiting for you!

I hope you have learned many new ways to save your hard- earned money, and enjoy your day-to-day life more. Remember, nothing discussed in this 4 part series is anything that you can't do. If you put this information to good use, it is guaranteed that you will benefit from it.

Copyright © by Palyn Peterson

mailto:palyn@futureinternetmarketing.com

About The Author Palyn Peterson publishes the acclaimed Advanced Internet Marketing News. A professional newsletter with a refreshing perspective and a strong focus on no-cost techniques. http://FutureInternetMarketing.com. FREE Tips, Tricks, Tools, Resources, eBooks, and More! This article is free to publish with resource box. If using this article, please send a brief message to mailto:palyn@futureinternetmarketing.com

Sneaky Capital One?

Every month like clockwork, Capital One sends me two small books of checks, one for each of my accounts. They're so you can write a check and it will be charged to your credit card account. I actually used a couple of these over the winter because the big selling point on them was that your interest rate for purchases made with the checks would only be 1.9% (I think) Something very low like that as opposed to my regular rate, which is in the mid teens.



So today, I got my two checkbooks and I actually looked at them for a moment instead of shredding them to pieces. Now that my credit cards are all paid off, I actually thought for a moment about the time when the payoff on my car reaches the level of my credit limit on my highest card and that it might be a smart move to use one of these checks to pay off my car at that time, and then only be paying the low 1.9% (or whatever it was) interest rate on the principle.

However, I looked more closely at the checks, and noticed that nowhere did I see wording about a low interest rate, it actually took me a few minutes to find and see that now these checks are charged interest at the same rate as regular purchases, so it really would be no savings at all for me to use a check to pay off the car loan.

It got me thinking about when this change in interest rate for the checks went into effect. Was it months ago and I just didn't notice...know that I had no intention of using the checks?

How easy would it be for someone, who after months of receiving these checks with the low interest rate plastered all over them, to take the checks without looking closely at them and make some major purchase with them, not realizing that they were not gaining any savings whatsoever in terms of interest?

Just a small lesson as to the importance of looking closely at any paperwork you receive from financial institutions, and especially from your credit cards.

The 11 Best Money Saving Ideas of All Time - Part 3

Need extra cash for emergency bill but payday is too far away? NationalPayday.com can help with a cash advance up to $600!

Editors note: "B" is still swamped in the middle of a project, here is the third in a series of Money Saving Ideas from Palyn Peterson...

The 11 Best Money Saving Ideas of All Time - Part 3

by: Palyn Peterson

At any time in history, no matter what the current state of the economy, no matter what the current trends, no matter what the unemployment rate is or where interest rates lurk, some money-saving ideas stay true.

Some of you may have heard of these ideas before, others may be entirely new to you. But whether you are familiar with these super secrets or not, it will be well worth your while to put them into effect in your own life. The magic they will work on your financial life is guaranteed. I urge you to put them to work - any one of these could change your life! Big changes come from small steps. One plus one does equal two, so if you add one from eleven different places, you will see big results.

This is a four part series giving you advice on saving your hard-earned money in a variety of down-to-earth ways. Nothing here is anything that anyone can't do on a daily basis.

Amazing Money Tip #6

Do what you love and the money will follow. I think there's a book by that title. At any rate, it's true. One of the primary reasons that many people live paycheck to paycheck, and are broke despite working very hard at their jobs, is the fact that they hate what they do.

If you hate your job, you will not have a positive attitude toward money. You will associate money with that dreadful sound of the alarm clock every morning. Once you tie up your source of wealth and income with drudgery, that's exactly what the majority of your life will become: drudgery.

Starting today, you should begin planning your escape. The first thing you should ask yourself is: "If money were no object, what would I be doing? What do I like to do most for fun, and is it possible that I could get paid for it?"

Sound ludicrous? It's not. In fact, if your work is not also your play, you are fighting against yourself. You will eventually burn out and hate the world. On the other hand, if you get up every day being exciting, positive and looking forward to what you are going to be doing - and making money at it - you will automatically move toward doing more and more of what you love, and making more and more money at it. If your dream job means starting your own business, don't let that stop you either! It is much easier than most people think. Look in to it, it could literally change your life.

Amazing Money Tip #7

You must get organized. Being a tidy, efficient person has more influence on how much money you make more than you can ever imagine.

If you want to have a lot of money, you can't afford to be a slob. Think about it. Let's say you are at your desk trying to get some work done. You need to find the stapler, but because your office is such a pit, you spend 15 minutes looking for it. You've just spent 15 unproductive minutes. Next you may need to locate a file, and that takes you 20 minutes of sifting through paper. Another 20 minutes down the tube. By the end of the day, you may easily burn up two or three hours doing something as trivial as looking for things. The same goes for any kind of job you might have. If you are an auto mechanic, how much time do you spend trying to find a nine-sixteenth wrench, when you could have it at your fingertips.

It's disorganized people who are always saying at the end of the day: "I seem to work so hard but get very little done!" Of course! You spent the entire day looking for the Scotch tape!

The fact is, time is money. The more time you spend unproductively, the less time you are earning money. Clean up your office. Organize your tool shed. Get your bookwork organized. Think of every minute saved as a buck in your pocket.

Amazing Money Tip #8

Make your own daily top 10 list. Speaking of getting organized, you should sit down every morning with your cup of coffee and list the top 10 things you would like to get done that day. Then organize them in priority of importance. Start at item #1 and go down the list as fast as you can.

Make no doubt about it - this is a powerful way to get work done. It will put hoards of cash in your pocket. The reason is that making money is all about movement - forward movement. As the famous novelist Ayn Rand told us, in a capitalist society the most important things a person can do is move forward every day!

Having a top ten list will ensure that you accomplish something every day. You may not get through the whole list every day, nor should you necessarily try. Just do your best. At the end of the day, you should be able to look at your list with pride, examine the scratched off items and say: "That's what I got done today! I did something to better my life and create wealth!"

Again, this method has been used by a majority of the most wealthy and successful people in history. Shouldn't you join the club?

The next of the 11 best money saving ideas of all time will be discussed in part 4. Until then, take note of what you have learned so far and put this information to good use. Read and reread this article; I bet you will notice a difference sooner than you think.

Copyright © by Palyn Peterson

mailto:palyn@futureinternetmarketing.com

About The Author Palyn Peterson publishes the acclaimed Advanced Internet Marketing News. A professional newsletter with a refreshing perspective and a strong focus on no-cost techniques. http://FutureInternetMarketing.com. FREE Tips, Tricks, Tools, Resources, eBooks, and More! This article is free to publish with resource box. If using this article, please send a brief message to mailto:palyn@futureinternetmarketing.com