Monday, September 23, 2013

Get Seen Using Website Templates for Free


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It may seem like an awfully intimidating process but once you realize that there are free website templates you can use , getting your website up and going won’t be difficult at all. You don’t need to worry about having a lesser quality product just because it is free. Most free Web templates are just as attractive and user friendly as many of the higher priced web designs. Installing them is not difficult either. The designers have made everything as easy as possible for you to get your site running.
The website designers are offering you the free website template because they want you to use other services they have. It might be that they want you to use their web hosting service or they want you to go back to them for bigger work and designs. Most of the time, it is in their best interest to provide you not only with the best looking fully functional website suiting all of your needs. They will want to use you as an advertisement for their services. If you don’t look good, they don’t look good.
As with most other services, you must agree to their terms and services. Make sure to read them and make sure that you know full well of what is expected of you. Also know what limitations there are on what you can do with their free website template. They may not want it used for different situations and you don’t want to find yourself in conflict with the policies that they have. They are nice enough to let you use their design for free, respect their wishes. As you are using their design you become their face on the web. They may not want it associated with any unethical or illegal or even annoying activities.
When you find a designer whose products you like, let other people know about it. If you promote their business they may be likely to either make you an affiliate so that you get a commission on their paid services. They may even offer to do some custom work for you from time to time. If someone does you a favor, pay them back. It can only bring about good things.
One thing to realize is that not all who offer free website templates and designs are going to want to give you something for nothing. There may be a catch in their offer so make sure that you read all the fine print before you agree to something.
Also, if you are new to getting a website, make sure you have found someone who is willing to give you great customer service. Make sure that they have someone available to not only answer your questions but help you work out bugs that may show up. Look around and see what free website template designers are being used and look for recommendations.
Once you get started making use of the website templates for free and get a hosting account that allows you an unlimited number of websites, you may find yourself a money making machine.

Help For Starting A New Small Business


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Starting a new small business comes with many risks involved. It is not easy to start a business large or small. Starting a business involves a lot of hard work. As you are about to become an owner of a small business, you must realize the challenges which do exist within many different aspects. A small business no matter the products or services offered needs to plan accordingly while achieving the goals needed to exist within the market.
You must network
This is one of the most important steps in starting a new small business. Networking means that you are expanding your network of businesses as well as friends who could end up aiding you in starting your small business. You can join the Chamber of Commerce within your region. Anyone could benefit greatly from the advice of business professionals. Join professional networking websites. These websites can make you more aware of the business world as well as opportunities, which do exist locally to your small business. Embrace your family and friends. Inform them about your new small business while seeking their advice.
Research and understand what you are getting into
A lot of planning, knowing your competition as well as a thorough study of the market is necessary in starting your small business. These are very important points you should keep in mind in starting your small business. Select the best opportunities among the many, which do exist for beginning business owners. You can create or add to an existing business idea. Prepare a business plan. Finalize the plans on what kinds of business you want to have or do currently have. Gain complete knowledge about the market as well as investment opportunities with your company while preparing this business plan. Keep in mind that strategic consultants can prepare these for you but with an ironclad contract and they charge hourly for their services.
Family and friends
You might want to consider being funded through family and friends, financial institutions or banks. Each of these options needs some degree of authority over the money, which they lend to you for your small business.
How should I list my small business?
Choose a legal structure for your small business. Run your business as a sole proprietor or you can enter into a partnership. Register the business, which is when you will find out the rules and regulations of commencing your business. Keep a back up for your business by opting for small business insurance.
Do not forget Accounting and bookkeeping. From the beginning, you or someone you hire should keep the books on a regular basis. This will aid you in avoiding any type of future financial difficulty.
You have various options when searching for ways to finance your business. After the business plan is prepared, the next step should be arranging for the funds for your small business. Calculate how much capital will be needed while looking for the many options available. Remember you want to start a small business first look within your own personal savings. Other options to consider are banks and investors. Financial institutions and investors however will always ask for a share in the management as well as profits. You may need to also submit collateral as a backup for money given by these institutions

How Can You Get A Stop Foreclosure Loan


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A stop foreclosure loan can be the solution to your problem if you find you are having trouble making your regular mortgage payments. In general, it’s better to apply for this type of loan before you have come to the point that you have to skip a loan payment as this will help your credit. But a loan to keep you away from foreclosure is a possibility, regardless of your credit rating or your past history.
Your first step is applying for the loan. Keep in mind that lenders will be examining three things: your credit rating, your income and the loan to value ratio. If you are less than two months behind on your mortgage payments, your credit will most likely not be too much of an issues. If you are more than 2 months behind, your lender may require a higher stable income and equity in your home than if you are less than 2 months behind.
Even if you find that you do not meet the requirements for certain loans, keep in mind that exceptions can often be made to the rules, depending on the lender. Non-traditional foreclosure lenders and private foreclosure lenders tend to be much more lenient with these guidelines so don’t lose heart if you feel that you are unable to save your home from foreclosure. The most important action is the action itself. The sooner you start working on your problem, the better your chances are for the results you are hoping for.
Another alternative to the stop foreclosure loan is to apply for a loan modification which can lower your monthly payment and even eliminate your arrears (owed payments that you have missed). All situations differ but in many cases your lender would rather modify your loan than have you go into foreclosure. In the past, loan modifications were hard to come by. But this has all changed in the face of new lending laws and government assistance. In any case, it’s always a good idea to hire an attorney or mitigation expert if you can afford it. This is because when it comes to requesting the loan modification, it’s important that it is done right the first time because it’s hard to get a second chance once you’ve been turned down. So, you do not want to try it on your own.
There are several modification programs and loan bailout plans. The best ones are offered to those who have never been late on a payment which is why you really need to start the process before you get into trouble. However, there are other plans available only to those who have paid late or missed payments completely. The first step in qualifying for a loan modification is to prove there was a hardship or lender misconduct that caused the loan to become a problem. Your income will then come into play and whether or not you qualify for a loan modification will depend on the requirements of the particular lender.
Remember. . .your first step when you start to struggle with your mortgage payments is to speak to your lender. Next you can try for a loan modification and your last resort should be a stop foreclosure loan from a third party.

‘Ya got trouble, my friend, right here.’ Disappointment, anger, chagrin, shame, sadness, smoldering rage and a sense of betrayal as Westfield State University’s embattled President Evan Dobelle faces the music, man, about his egregious spending habits. And those aren't even the worst part of this developing scandal.









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by Dr. Jeffrey Lant.
Author’s program note. “Professor” Harold Hill was broke, skinned, impecunious, the source of his very next meal dubious. But despite threadbare clothes and growling stomach he maintained one golden, unassailable asset: his unrivaled ability to dazzle people, motivate people, and arouse people through Big Ideas and a licketty-split presentation style unmatched anywhere on Earth. He knew that if he could excite the people, he could pick their pockets. And so, arriving at River City with nothing, he was undismayed… for he had the means readily at hand and perfectly honed to get everything… And this, as he walked confidently into the local pool hall, is precisely what he meant to do.
Thus was born one of the great moments of the cinema, when in the 1962 film “The Music Man” Meredeth Willson, as Hill, belts out the best example of fast-talking, wise-cracking, get up and at ‘em quintessentially American patter ever made. The speech is brilliant; the delivery astonishing, each word clear as a bell and utterly unmistakable, a rollicking tour de force leaving us breathless and in awe, and in possession of the certain knowledge that the good people of River City, the church-going, sober-living, tax-paying, civic-minded, gullible hicks haven’t got a chance against the determined genius of Hill and his mesmerizing, unbeatable “can-do” approach to any problem.
I shouldn’t be at all surprised if Evan S. Dobelle (born April 22, 1945) mentioned it was his favorite tune and that “Professor Hill” was his main source of inspiration. No, it wouldn’t surprise me at all.
“Friends, lemme tell you what I mean.”
The first time you look at Evan Dobelle’s resume you cannot help being impressed. But the second time you review it, if you scrutinize it carefully, you begin to see certain worrisome aspects. He was elected twice (1971 and 1975) as Republican mayor of Pittsfield, Massachusetts, a notable achievement which immediately established him as a player in perhaps the most Democratic state of the Union. Then he ditched the GOP to work for Jimmy Carter’s presidential campaign. He wanted fast promotion (he always did).
Having been a Republican until just 5 minutes ago, he wanted to be a power in the Democratic Party. But Timothy Kraft was in the way. No matter. The Wikipedia reports that Dobelle charged him with using cocaine in New Orleans (doesn’t everyone?) in 1978.
Kraft was forced to resign, clearing the way for the exigent Evan, who became National Chairman of the Carter-Mondale Presidential Committee. The charges against Kraft were later dropped but the damage was already done, whether by that you mean Kraft’s demise… or Dobelle’s ascent.
Carter, of course, won the election… and Dobelle got a hefty part of the bling: he became U.S. Chief of Protocol with the impressive rank of ambassador; (his wife Kit served as Chief of Protocol and Chief of Staff to First Lady Rosalynn Carter). Dobelle was also appointed treasurer of the Democratic National Committee. These were the glory days… Dobelle was everywhere…
He had everything necessary to scale the heights of power… yet he never did so. He knew everyone; everyone knew him. Maybe that was the reason real power eluded him. (Note. It was at this time that Dobelle took me on a tour of the White House, including a visit to the Oval Office, which like everyone else who sees it, I found smaller and less impressive in person. What was impressive, however, was how virtually everyone we encountered greeted Dobelle warmly, as an old friend. Yes, these were the salad days… and of course he dangled the prospect of a plum job in the Carter White house before me…)
“It takes judgement, brains, and maturity to score.”
It soon became obvious to the power cognoscenti that Dobelle, like Kansas City, had gone about as fur as he could go. Seasoned Washingtonians play this crucial game with withering skill; their acid judgements determine destinies. Dobelle failed to impress these oracles. So, his mind ever fertile and inventive, he changed course — again; this time he selected higher education administration as his designated bailiwick. And so his rather odd (and always short-termed) trajectory began.
First, from 1987-1990, he was president of Middlesex Community College in Lowell, Massachusetts. He stayed just long enough to get the library named after him, but not a minute longer. The irony here is that he was not a notable reader and has no scholarly work at all.
>From Lowell, he became president and chancellor of City College of San Francisco (1990-1995); president of Trinity College, Hartford, Connecticut (1995-2000), then the University of Hawaii (2001-2004).
Take a good close look at the dates of his administrative tenures, on average just about 4 years. Now, as any college administrator knows 4 years is grossly insufficient to effect major change. Thus Dobelle’s accomplishments were meagre, often merely cosmetic, never pace-setting, though he insisted that he was a visionary with the future lashed to his chariot. Maybe so, but to old college hands he came across as glib, superficial, impatient, and lazy; his bags already packed for quick get-away when the need for real leadership and major decision making and planning became glaringly apparent.
It all came to a head during his presidency at the University of Hawaii. There Dobelle ran through 5 chairmen of the board in a breathtaking 2 1/2 years, a situation not only unparalleled in Aloha’s paradise, but perhaps in all of higher education’s history. One food fight after another occurred, with Dobelle’s wanton spending habits and his disdain for the University’s trustees providing particular flash points. Finally the board had enough… and dismissed Dobelle “for cause.” Dobelle said he’d sue; the board blinked; a mediated settlement was the result, a settlement worth millions to Dobelle who, amongst other things, agreed he would never, ever apply for any other post at the University, something to which both sides happily subscribed.
Enter Westfield State College, Dobelle’s latest feeding trough.
People like Evan Dobelle, so generous, so profligate with Other People’s Money, so niggardly with their own funds, always need a host to feed on; all parasites do. And in Westfield, Massachusetts he found one tailor-made for his habits — and his expansive, unquenchable needs.
Brief history of Westfield State.
Located 45 miles from Hartford, 90 miles from Boston, Westfield’s main 256- acre campus is located in a well-tended, leafy neighborhood. It was founded in 1839 at the behest of and with the enthusiastic support of Horace Mann (1796- 1859), the premier educator of the Great Republic. He wanted Westfield to serve the needs of the Commonwealth, producing citizens who would be a credit to God, the republic, Massachusetts, its business and industry, and, of course, Westfield itself.
It was a noble objective… and on this basis the institution prospered, with the overwhelming majority of its graduates women who become the teachers that transformed immigrants into Americans.
It was crucial work and it was done thoroughly and well. Sadly, in a state where private institutions reigned supreme, public institutions like Westfield often felt undervalued and left behind. They often felt sorry for themselves, felt they should get more than the occasional pat on the head, always an afterthought.
They were thus positioned for their own Professor Hill. And this Evan Dobelle, with a catalog of dubious acts and lavish spending longer than Leporello’s (as reported by The Boston Globe, August 18, 2013), brought his specious and superficial visions, pulsating Big Ideas et al to Westfield, which despite a stadium of red flags flying appointed him president in December, 2008. The virgin was well and truly in Bluebeard’s experienced hands. He knew precisely what to do.
And he’ll have fun, fun, fun ’til…
In 1964, the Beach Boys had a hit on their hands entitled “And she’ll have fun, fun, fun ’til her daddy takes the car keys away.” The same applied to our Evan, only he had fun with a credit card the school’s private foundation gave him for charging dinners with potential donors and other small amounts. It was a big mistake since Dobelle never met a credit card he didn’t like, so long as he didn’t have to pay the bill.
In the fall of 2008, these bills started to come in and staid, respectable, rather dull Westfield State (soon to inflate its standing by calling itself a university) discovered what their popinjay was going to cost them… and their collective gasp of pocketbook pain and shocked disbelief rang out, for Bluebeard was having a helluva good time… all at their expense.
$539,201 on a “celebrity speakers series”… $145,000 on a group trip to Asia… $58,000 for a campus rock concert… $16,000 for a welcome party at a Brewster resort… $10,000 for Tanglewood tickets… and on and on and on. My personal favorite is the $939 bill he racked up taking three journalism students to New York to shake hands with Katie Couric and dine at Stage Deli and fabled 21. He wanted them to have the full “Queen for a Day” treatment. Oh, yes, they were all female and, I’ll bet, cuties, each lovier — and younger — than the last.
There was no stopping this born again teenager.. . he thought it, he wanted it, he got it… especially if it took him away from the institution he was supposed to be administrating; (78 out-of-state trips in his 68 months as president)… and, of course, he charged it.
How could he get away with it? The same way Professor Hill succeeded… by enthusing, smoozing, taking their minds off their troubles and the merely necessary and lifting them with the Big Dreams… the dreams he never stayed around long enough to achieve. Dreams were fun… work for hicks… the hicks who paid all his outrageous bills, long-suffering, decent, fleeced, regretful, now exposed to the entire world as the bumpkins they were afraid from the get-go people would adjudge them.
As for Dobelle, this time his gig is surely up as his twin Nemeses, the state’s attorney general and inspector general, fueled by leaks from his office, gather their forces, prepared to pick up every rock to see which of Dobelle’s schemes, chicaneries, plots, stratagems, tactics, hustles, extravagances, and ploys is underneath . It should be most instructive for all… not least for the next institution of higher learning which has the bright idea of gambling their future on appalling, unrestrained, irresponsible, fritterin’ Dobelle, never guilty, always innocent, soon to be available to eat at your fine trough.
About the Author
Harvard-educated Dr. Jeffrey Lant is the author of several books, ebooks, and over one thousand online articles both fiction and non-fiction. Republished with author’s permission by Howard Martell <a href=”http://HomeProfitCoach.com”>http://HomeProfitCoach.com</a>. Check out 5 Figure Day -> http://www.HomeProfitCoach.com/?rd=xu6iOvWe

Uncle Love. Thoughts on that much underutilized and insufficiently regarded person, your Uncle. Immediate action required.


 
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by Dr. Jeffrey Lant
Author’s program note. I am writing this article to launch an international movement in favor of uncles, good people, solid, loyal, lovable and (as in my case) quite good looking, too. But for all these substantial qualities we hold a place of insufficient importance… and after more than 20 years of being an uncle I am so irritated that I must now take stern remedial action. I know that all you uncles amongst my readers are already nodding your heads in full and sage agreement, and why not?
Consider Uncle Fester in the Addams Family, the satirical invention of Charles Addams. The family was featured in The New Yorker magazine (beginning in 1938), on television (from 1964 in different incarnations), films etc. One of its characters, the most important as far as I am concerned, is Uncle Fester. And I want to make it perfectly clear that informing you how his character was manhandled and disrespected makes me just livid with rage.
Originally Uncle Fester was Morticia’s uncle… Then this relationship was changed by fiat. Uncle Fester became Gomez’ older brother. Between the first fact and the second, producers decided that Uncle Fester had not seen his family for 25 years; and who can blame him with his relations caring so little about his proper genealogy, negligent, unconcerned whether it was right or wrong, accurate or inaccurate. See what I mean? This is standard treatment for uncles… and is why this article is so long overdue.
To put us in the right mood of chagrin, disappointment, irritation and smoldering rage, I have selected as the incidental music for this article, the theme song from the first Addams Family television series. You can find it in any search engine; go find and play it now. You will notice, and must keep strongly in mind, how little prominence Uncle Fester is given. Why Morticia’s smirk gets more, not to mention Gomez’ goofy look. Outrageous.
Mea culpa.
I wish to take this opportunity to apologize, yes, in disquieting specificity, to all my uncles, for I have had several. I acknowledge I hardly knew a single thing about any of them. This was, of course, due to my parents’ laxity; uncles were afterthoughts, if that… Thus we placed absolutely minimal value on uncles as a class as well as particular uncles. I feel that the only way I can get on to the important business of elevating the stature of each and every uncle in the land is by stark confession; then humbling myself, admitting that I not only knew nothing about each and every uncle, whether born into the various branches of my extensive family or married into it; and cared less.
In my defense, when I was a mere lad, I was not inventing social hierarchies; I was, however, observing them. Uncles in my family got absolutely minimum attention; they were seen infrequently, greeted with off hand, patently insincere exclamations, never thought of, opinions tolerated (but never asked or regarded); relations, true, but utterly insignificant in every way.
Now an uncle myself being so treated, I wish to apologize here and now to the uncles in my mother’s family (Uncle Royal, Uncle Bob, Uncle Donald) and the uncles in my father’s family (Uncle Joe, Uncle Dwight, Uncle Ray). Each and every one of them is under the daisies and beyond recall. It wasn’t entirely my fault, gents, but I learned to treat you with anything other than respect, civility, and as an esteemed family member in affectionate good standing. And if the truth be told, everyone in the Great Republic should probably confess as much here and now, so we can move beyond this notable and probably universal injustice. After all, if we do not make amends to the uncles ignored in their lives and immediately forgotten at death, how could we dare ask better treatment for ourselves?
I begin to be aware of what being an uncle is all about… and I don’t care for my part one little bit.
As far as I understand the avuncular protocols, this is who an uncle is, what he must do, and what he must avoid at all costs. Understanding these key facts is absolutely essential…
Uncles are members of various extended families by birth or marriage, but only important card-carrying members of three nuclear families: the one they were born into; the one they married into; and the one they conceived and built for their own spouse and children. You will immediately notice that uncles are not uncles in these situations; rather, they are son, son-in-law, and father. These are the most important positions… acknowledged, recognized, significant.
What then is an uncle’s role? You will need to think long and hard correctly to answer this pivotal question. Here is my response: an uncle’s job is to provide quips, jokes, and cheerful remarks at all family gatherings. His political, religious, and (ahem!) sexual views are disdained, unwelcome, to be ignored, cold-shouldered and dismissed without comment as an acute embarrassment to “the family.”
Next, uncles constitute a help squad to baby sit, expected to assist with household problems and tragedies, and at a moment’s notice, too, locate stray pets, and keep warring mates apart until sufficient cooling-off time has elapsed. This role is never discussed but simply expected.
Next, and most important, uncles must distribute largesse, and frequently too, on every and all occasions, including (but never limited to) birthdays, Christmas, christenings etc., etc. Giving “a few bucks” to the kiddos who have made him an uncle is not only recommended but taken for granted. The occasions on which such buck-giving is appropriate are endless… and such that we are expected to give. with nothing more than perfunctory thanks in return, if that. Uncles, you see, are to live and breath the well-known (but more honored in the breach) aphorism “It is better to give than to receive”… but must never, ever give more than parents or show these parents up as insufficiently donative. I know whereof I speak…
… one memorable Christmas I bought my darling Niece and Nephew Very Expensive Gifts. My sister immediately called me and Let Me Have It, the crime being I had shown her up to be the most perfect example of penny-pinching frugality ever seen. UnChristmaslike words were uttered on both sides… and recalled in detail to this very day.
“Understanding” required.
More, we are expected to “understand” our often distant and uncivil nieces and nephews, masters of 24 hour per day texting amongst their age cohorts, unable to find even a handful of such ardent words for us..
This was all borne home to me just the other day, when my “little” sister, now galloping towards Social Security, emailed me. My Nephew Kyle is applying to law school and is having some difficulty writing his personal statement. Per usual, he asked her to ask me to help him. My blazing response, “Have the pup call me himself.”
He didn’t. My sister said I’d “understand”. I don’t. I never will.
And that’s why we need to rethink the whole darn business of uncle-hood. A national holiday in our honor would be an admirable start. And a hug or two along the way, and even an occasional random token of affection, would be sublime. I hope we uncles won’t be asked to “understand” why it doesn’t happen… for we are made for more, much, much more, including dear Uncle Fester…. whose restive spirit and acute umbrage may now rest, the recognition of this problem being the first step towards its early resolution.

About the Author
Harvard-educated Dr. Jeffrey Lant is CEO of Worldprofit, Inc., providing a wide range of online services for small and-home based businesses. Services include home business training, affiliate marketing training, earn-at-home programs, traffic tools, advertising, webcasting, hosting, design, WordPress Blogs and more. Find out why Worldprofit is considered the # 1 online Home Business Training program by getting a free Associate Membership today. Republished with author’s permission by Howard Martell <a href=”http://HomeProfitCoach.com”>http://HomeProfitCoach.com</a>. Check out 5 Figure Day -> http://www.HomeProfitCoach.com/?rd=xu6iOvWe

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