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How To Leave Your Footprint on The Billion Dollar App

Sean Walker AKA DJ Swift, AKA Swift the Barber and I go way back. When I was a regular on the internet radio airwaves he was my main go to guy for drops and mixes.

Music is no longer his baby, but Swift is still putting in work with his very own sandwich shop and presenting the world to the first global time capsule, The Million Dollar App. Read on to find out why you should get involved.


 Tell us about the Billion Dollar App and why everyone should get involved.

First and foremost, thank you for this interview. I appreciate the exposure.  The Billion Dollar App makes it easy to connect the things in your physical world to the internet. You can view the companies currently added to the directory, find companies that you never knew existed globally and have fun with them from anywhere – at home, office, or on the go.

We’ve made it possible to interact with businesses globally and become a part of history, as this app is also an internet time capsule, and has other services to offer. This unlocks a world of possibilities and unlimited potential to make your life easier, more convenient and fun.

It’s the Worlds first and Biggest Global Directory and Internet Time Capsule. Download it Free on Google Play and The App Store. Own a piece of history. Let’s Make History!

Are you still making beats or have you left music behind?

I still dabble, I have turntables on my iPhone, so when the moment or mood hits me I get into it a bit. I have kinda left it all behind.  I still hear a lot of my work here and there and that’s good enough for me.

What happened to the barbershop you owned?

I don’t own the barbershop anymore.  That was my stepping stone to realizing I do well working for myself and I have become stronger in business.  I learned a lot. It got to a point though that I got tired of being the asset.  I want to own a business. Owning a barbershop was a wonderful and humbling experience. I love and miss all my clients, but at the end of the day, I created a job and not a business.


Tell us about the restaurant you currently own.

Sandwich Works, it’s not your ordinary sandwich shop. It’s actually right next door to my old barbershop. This was a deal I could not pass up. I learned building your brand will carry you very far if you work it right. We handle dine-in, delivery, carry-out, and all types of catering for different events, parties, etc. All the meat is slow cooked and made fresh daily. We cut all meat right in front of you. It is new style sandwich shop for Winchester. Stop in and ask for my Sandwich: Onion Roll with Smoked Turkey, Swiss, and Cole Slaw. I call it The Big Fella (lol).

Which interests do you plan to tackle next?

I plan to Keep it Dangerous! and take over the world (lol). You’ll see whats next though…I am currently on sabbatical. I’m off trying to let whatever is left of the old me die off so this resurrection of the new can take flight.

The Billion Dollar App on Facebook


The Billion Dollar App on Google+



Sexual Orientation Not a Choice, but Remaining Ignorant About It Is

I am sharing this article because I am so tired of people I know saying being gay is a choice and wondering how children can know their own sexuality when they have not really experienced life. I knew when I was a kid that I liked boys, especially Michael Jackson :) If you are gay and living life as if you are a straight person, that is a choice.  Sometimes it’s good to close the Bible and give other books, research and facts a chance.


Click image to read heated Facebook conversation on this blog.

Scientists have found evidence to support the existence of a male genome which may influence homosexuality.

Dr Michael Bailey, from Northwestern University, studied 400 sets of twins to determine if some men are genetically inclined to be gay.

The study identified two areas on the male genome which appear to be linked to sexuality.

Bailey said: “Sexual orientation has nothing to do with choice. Our findings suggest there may be genes at play and we found evidence for two sets that affect whether a man is gay or straight.”

Researchers took blood from 409 homosexual brothers and heterosexual members of their family. It is known that siblings share around 50 per cent of their DNA, but it is possible they have a chance of sharing genes associated with sexual orientation.

While the findings revealed genetics accounted for around 30% to 40% of a man’s sexuality, the rest was based on social and environmental factors.

Read full story at - Gay Gene Discovery Suggests Sexual Orientation Not a Choice.

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How To Make Low-Budget Clothes Look Like High-Fashion Outfits


All of my clothing is low budget and I always look damn good!

Do you know the feeling when you buy new clothes and are happy that you did not spend much, but the first time you put these clothes on you instantly start to hate them. Why? Because you suddenly begin to notice all these small imperfections that tell the price? We have all been there and learned from this sad experience. Follow our great tips for making outfits look much more posh than their actual price.

Fit to perfection

Professionally tailored clothes always look best, but they are also far more expensive than retail garments. An easy way to make that one special, but cheap dress look more expensive is to make small, but important for the look and fit of the dress improvements. It will not cost as much as sewing the dress from scratch and you can enjoy the luxury of having a piece tailored just for you. If tailoring everything you own and like to wear sounds like too much you can always try to alter the clothes by yourself. Changing the fit of the dress is too difficult for amateurs, but you can always do simple things like sew in embellishments of your choosing, change the buttons for more expensive ones etc.

Buy expensive, pay for cheap

When you shop always make sure that you buy clothes, which look more expensive than they cost. Most cheap clothes look inexpensive, but every store has at least one piece, which is of surprisingly good quality/ look more luxurious than its actual price. Run a small test and try to guess the price of the garment without looking at the tag. If the outfit is cheaper than your estimation it is a good sign and you should buy it.

An eye for prints

One of the things you should always pay attention to is how expensive the print on the clothes look. The cheap ones use only basic colors, there is no depth to the print and it looks very amateurish. Good prints are more difficult to find, but the quality prints you can sometimes see on retails clothes are really great for elevating your entire look.

Statement pieces

A statement necklace or a pair of divine earrings provides you with great means of improving the total look of your outfit. Pair your statement jewelry with a classic little black dress for the ultimate chic, which always looks expensive.

Improve your sense of fashion

One of the most valuable tips to give to anyone, who wants to dress in better style is to learn from the best and draw the inspiration from people, who have the high-fashion low-budget style figured out perfectly. Find a fashion blogger, whose style suits your taste and follow her recommendations. Most fashion bloggers do not shy away from mixing designer garments with retail clothes or wearing just the retail and vintage and their unique sense of style is something you can use as a great inspiration and a bunch of good and useful tips.

The article was provided by Irina Kovalyova – marketer, social media specialist and blogger at One2Wear – UK fashion wholesaler.

25 Ways To Make Extra Money This Month

In today’s economy, finding ways of making your cash stretch until payday can be tough. Instead of applying for the dreaded payday loan, or spending countless hours trawling through credit cleaner reviews to improve your chances of borrowing more money, why not start a small side business that can earn you some much needed extra funds without the worry of high interest repayments?


I make a decent amount of money selling old clothing, shoes and jewelry to consignment stores.

Here’s our list of 25 ideas to earn extra cash:

1.  Animal carer: Walking dogs, holiday pet care, finding lost pets.

2. Baby-sitting service: Provide a baby-sitting service for clients. Start by asking your friends.

3. Cleaning: Clean buses, cars, garages, lorries, roof gutters and windows. Do the ironing. Wash clothes.

4. Clothes: Make and mend clothes, dresses, hats, quilts, toys and wedding dresses.

5. Cooking and catering: Make cakes, chocolate, jam, meals, pastries, pies, sauce and vinegar for parties and special occasions. Write a diet or recipe book and self publish it on Kindle.

6. Deliveries: Deliver leaflets and paper to homes and offices.

7. Design: Design arm slings, bird boxes, decorative paper, face painting, greetings cards, plant pots, pet beds, pet coats and tables.

8. Elderly care: Look after an elderly person in place of their carer in their home for a few hours a week.

9. Gardening: Grow flowers, seeds and vegetables. Sell herbs and window boxes. Weeding.

10. Home training: Teach people how everyday items in the home work such as the computer, microwave and TV.

11. House sitting: Stay in your client’s house while they go off on holiday.

12. Massage: Give a neck and/or shoulder massage to a client at their home/office.

13. Mobile nail care and facials: A beauty service where you travel to that person’s home.

14. Modeling: Send in your photos and resume to a reputable modeling agency.

15. Organizer: Be a personal organizer for someone or organize a party.

16. Online: Create your own website, fill in online surveys, go mystery shopping, sell e-books.

17. People finder: Find people using various sources to help others out such as finding a flatmate, lost friends or partner.

18. Personal trainer: Give people some personal training before and after work.

19. Renting: Rent out your garage or home, or even have a tenant in.

20. Restore: Repair some antiques and old mirrors and sell them. Repair broken bikes, cars, computers and musical instruments.

21. Selling things: Sell art and paintings, firewood, hampers, oils and perfumes, old clothes and old material stuck in the loft upstairs for years on eBay, car boot sales, garage sales and in the local newspaper.

22. Shopping service: You can offer to stand in queues doing the bill paying or weekly shopping on behalf of your client.

 23. Sport: Football ball boy, golf caddy, stewarding.

 24. Teaching: Give tutoring to pupils and students with their school or course work.

 25. Tour guide: Interpreter. Tour of antiques, main locations, and shops.

Your ability to earn money with any of these ideas will, of course, largely depend on your own persistence and skill.

Understandably, these ideas may not earn enough to fund what you’re needing, so improving your credit score may be the best idea so you can take out a loan.

Wendy Lin is a freelance writer who specializes in guest blogging. She also owns her own private business consultancy company giving start-up companies one-on-one financial planning advise.

How to Talk Dirty Without Ruining the Mood

 talk dirty

Whether it’s face to face or on the phone, talking dirty can be an incredibly exciting experience. But if you’re new to the idea of smattering your sex life with a few filthy and foul words then starting on the phone can be a great way to get yourself used to saying those out of bounds things! But how can you ensure that your sex chat runs smoothly without running into any hitches that will ruin the mood? Simply take a look at these top tips to find out!

1. Pick the Right Time

For flawless phone sex make sure you and the person you’re calling are alone and ready to talk. Find a quiet, comfortable spot and get into a relaxed position. Plan your chat time in advance so you can both be prepared.

2. Look Good, Feel Good

Your partner may not be able to see you but you’ll still feel sexier if you look good and get in the mood. Take a shower or hot bath before you start and wear something that makes you feel hot!

3. Set the Scene

Would you want to have sex with takeaway containers on the coffee table and the TV on full volume? Set the scene for your sex chat, make sure your place feels clean, tidy and welcoming.

4. Find Boundaries

Before you talk dirty, discuss with your partner where your boundaries lie. Or think about what you’ll do if your partner wants you to say something you’re not happy with.

5. Don’t Overthink

Don’t sit analysing the details of what you think you’ll say before you dial, try not to over think things and let the conversation happen naturally.

6. Start Turned On

Get in the mood before you start talking by imagining your dirtiest fantasy or thinking of the last time you had sex. That way your imagination will be running wild when you start talking.

7. Write Things Down

If you feel embarrassed about saying certain words or phrases then write them down and practice saying them out loud on your own. When you’re on the phone and you feel the urge to utter one of those hard to say words, just read it, it will feel much easier.

8. Find your Voice

Saying things to yourself out loud will also help you find your dirty talk voice. Try talking more slowly and in a slightly lower register.

9. Give Compliments

A good starting point is to compliment your partner and tell them what it is you like about them. Then tell them what part of their body you’ve been thinking about all day.

10. What to Talk About

If you’re stuck for things to talk about you can try one of these:

  1. Describe what you’re wearing and explain how each part of your body looks in the clothes. Ask what your partner is wearing and how it makes them feel.
  2. Talk about what you would like to do if your partner was there such as I wish you were kissing my neck right now or I’d be nibbling your earlobe if you were here.
  3. Try out these tips and you’ll be fully in the swing with sex chat and guarantee that your booty call goes off with a bang.

Author Bio:

Jenny Ainslie-Turner is one of the UK’s most prolific adult chat entrepreneurs and the founder of Jenny’s Extreme Chat.

11 Tips To Keep You Fucking Your Fuck Buddy

Victor’s Tips To Keep You Fucking Your Fuck Buddy

sex on couch

  1. I didn’t come over to spend time with you or go to dinner. I came over to satisfy our primitive desires. Don’t throw on a movie unless you have no intention of watching it.
  2. We are not friends (friends with benefits are different), we are fuck buddies. This relationship exists for sex, don’t clog it up with a friendship or relationship, this only ends in feelings being hurt.
  3. Don’t make sex more than it is. It is just sex and not a big deal. Fuck buddies require a certain amount of sexual maturity and confidence, always be sure to create these relationships with other people who can handle it.
  4. This isn’t fuck and tell. This isn’t about some great story or telling your friends, this is our business keep it to ourselves.
  5. Don’t call/text me while the sun is up, spend time with the sun up around folks you care about, not with me. Obviously not everyone works days but the point is this is all about sex, not spending time together. This is a sun down relationship, heels up relationship.
  6. Warn me when you are gaining feelings, and communicate your thoughts.
  7. Gain a code for sex with each fuck buddy. Everyone has their own little quirk. A woman I know use to send me an “I’m cold will you warm me up?”
  8. You are not seeing anyone. You aren’t kind of in a relationship, you are just fucking. You are free to see whoever you want and they are too.
  9. No more than 3 sessions a week, anymore and you are spending too much time together. If you want someone to fuck everyday find a relationship.
  10. Always wear protection! I don’t care if they say they aren’t seeing anyone else. Protect yourself at all times, you aren’t in a relationship.
  11. Define it as a fuck buddy relationship. Definition is very key in any relationship but it is especially true in fuck buddies. People can gain feelings but definition helps lay down the rules early on. If you don’t want a relationship and they do this isn’t going to be a good start.

That is kind of the basic thought I take on with Fuck buddies. I avoid anything that can lead to a relationship, that means spending time together, staying over, eating together, going out, etc. I make sure that it is an arrangement defined and kept private. I let them know that it is a relationship that requires controlling your emotions, all about having good sex, and it requires sexual confidence and maturity.

via Tips To Keep You Fucking Your Fuck Buddy.

You Should Probably Shut Up At These 10 Critical Times


1. When you don’t know who is around you.

No matter who or what you’re talking about, always be careful of who else is around. You may want to complain about a recent project, or simply talk about a family issue, but if you don’t know who is listening, you could say something offensive or inconsiderate.

2. When you’re surrounded by gossip.

Gossipers love to pull other people into their webs. Don’t let this happen to you. If you gossip with a gossiper, whatever you say can and will be held against you—plus, you’ll probably be the next person gossiped about.

3. When someone asks about your love life.

It’s best to keep details of your love life private, especially if you are spreading negative information about your significant other. It will only harm your relationship, and if he or she finds out you’ve been talking about them, it could end the relationship forever.

4. When someone is telling only you useful information.

You rarely get the opportunity to get ahead, so next time someone starts sharing useful information with you—and only you—stop talking! Listen to what they have to say, and start thinking how you can use the information to improve your job performance.


5. When the door is open.

It looks bad to talk behind closed doors, but talking out in the open can also lead to problems. Anytime a door is open, always picture the people standing in the hallway—just out of your sight but still in earshot. If you are comfortable talking with the door open, you better be comfortable with all your co-workers knowing what you’re talking about.

6. When someone is telling you a secret.

This is a crucial moment for you to stop talking. A secret means someone wants to confide in you, so if you jump in and start talking, the other person will think you don’t value the relationship. Instead, just be quiet and appreciate their confidence in making you their confidante.

7. When you are about to say something negative.

No one wants to hear your negativity. So, it’s time to shut up unless you have a valid concern about someone’s safety. If you’re just spewing problems and negativity, no one will take you seriously anyway. Everyone will just dismiss you and think you are too lazy to help.

8. When you’re about to lie.

Lying never really works. When you get caught you will ruin the trust you’ve built. Next time you’re tempted to lie, just don’t say anything.

9. When you’re about to make an excuse.

People who make excuses all the time are annoying. Next time someone asks you to help with a project, just focus on what you need from them to get started. This way, you will be proactive, and you will enlist them to help you get started.

10. When you want to “one-up” someone.

“One uppers” are people who always have to beat what the other person is saying. For example, if someone tells you they ran two miles, a one upper would say, “Really? I ran five.” If you’re really passionate about an activity, it’s natural to want to “one-up” someone, but hold back. It only makes you look desperate.

Next time you want to speak up, make sure what you’re saying will be a positive influence on the conversation and the person you’re speaking to. Learning when to speak and when to shut up is one of the fastest ways you can develop trust within your organization.

via You Should Probably Shut Up At These Critical Times.

Evaluate the Good, Bad and Useless in Your Life


By Katie O’Brien

If you’ve heard the saying ‘clean house’ you know it doesn’t necessarily imply using any harsh cleaning supplies. Cleaning house can also be referred to your ‘internal house.’ Just as we would go through our rooms in our homes, dust, polish, declutter and rid of old useless items… we find it helpful to do this within ourselves, too.

It’s best to start by taking inventory. You’ll want to note the good, bad and useless that live within. These can be habits, traits, feelings, actions, relationships, careers… anything that comes to mind about your internal housekeeping. Take note on what you love and what you hate, what is useful to you and maybe not so useful. Awareness is key. Once an inventory is created it will be much easier to choose what to polish and shine… or not.

[Tweet “Awareness is key.”]

So take out a piece of paper and on the front jot down all the good. And then on the back, write everything you’re not too fond about. Where you’re stressed, frazzled, where you could use some improvement.

Now once your list is created. Take the items, habits, feelings, traits, relationships, careers from the back, the ones you don’t find helpful, useful or healthy and begin to make note of how you can eliminate these from your life. What can you do to transform these not so good areas into something great? Think how life would be different once this area was transformed into something that serves you vs. works against you.

Okay next. The items on your list you love and want to have stick around. These are the items that make you feel good, that you’re proud of, that make you smile at the thought of them. Take time to reflect on how each of them make you feel. What good do they bring to your life? And now consider, how can you attract more of the same in to your life?

Your inventory can be as long or as short as you wish. Think of each area in your life as a different room. One may be relationships, one may be work, one may be family, one may be financial. When you enter each ‘room’ give some thought on how you can clean up that area to better serve you. Taking this time and going through this process gives you the opportunity to attract and remove whatever you’d like in your life.

You have to choice on what sticks around in your life. Why not make a conscious decision and start creating better experiences for yourself?

Life Coach for Moms, Katie O’Brien, helps women create a healthier, happier balance in life with their new baby. No matter how old their babies are, through coaching she help moms thrive and shine all throughout their mommy-hood journey. Download her Free Top Tips for Bliss at kaocoaching.com!

Article Source: http://EzineArticles.com/?expert=Katie_O’Brien

Ideas For Last Minute Christmas Presents

Do you still have presents to buy, with Christmas just round the corner? Whether you’ve been too busy to shop early, you’ve just remembered you need to get a present for someone or you have procrastinated with your present buying, this is a guide to help you get gifts which will put a smile on their recipients’ faces! It’s possible to use this time efficiently and find presents everyone will love, so stop stressing and start shopping.


Buying Online

The most important thing for e-commerce shops to do in the run up to Christmas is to publish information about delivery clearly online – so if you are considering ordering something online make sure you check these details before clicking to buy. You may be surprised that many online stores will offer next day delivery right up until the 23rd of December and the most successful ones stake their reputation on their delivery services so you can be assured the product will arrive on time.

However, there is an element of risk involved with all online purchases: some unforeseen force could prevent the item from being delivered. If this is an important present or it’s already Christmas Eve, see the next option below, and buy the gift in person.

Buying In-Store

It may be that planning isn’t your strong point if you have waited until Christmas Eve to do your shopping.  However the best way to get good results out of doing last minute Christmas shopping at the shops is to make a plan of attack.

Write down the names of all the people you still have to get lists for and an idea of what to get for each one.  Be realistic and think about what will be most convenient for you to get to – remember that time is of the essence. Depending on how much time there is left you can either aim to get it all from different shops within one shopping center or scale down and aim to get it all from different counters within a department store.  If you have less than a couple of hours, the best place to head is to a health and beauty store like Boots or Superdrug. Long gone are the days when these shops only sold medicine and pharmacy products – fragrances, celebrity endorsed products, decorations for the home, baby products, children’s toys and gift sets can all easily be found here now – who would know that you bought them all at the same place?

No-Delivery Gifts

These gifts mean that you really can buy presents almost instantly and are a lifesaver for those awkward times when a gift has just slipped your mind!

  • The charity gift route: these are ideal presents for the oldest and youngest members of the family, as well as anyone who insists that they don’t want gifts anymore. One option would be to something like a goat to a farmer in a developing country in someone else’s name, in which case you get a nice card for the recipient here and the goat goes where it is needed. On the other hand, you could adopt an animal on behalf of someone else – in which case you can print off the email confirming their sponsorship and that they will receive a welcome pack in the post after Christmas.
  • Experience Days: There are a plethora of websites offering experience days now. They range from spa days and afternoon tea to a Formula One driving experience or a trip to a wine valley in the UK. All you need to do is pick an activity your recipient will enjoy.
  • Tickets: this is very similar to the above but I thought it worth including to highlight it. Ticket websites like Ticketmaster mean that the world of live music, comedy, stage shows and more are at your fingertips so take advantage of this. People love to be treated to a night out. If you print the confirmation email as proof I would recommend cutting the date off it though!
  • Vouchers: not just vouchers for online shopping (which many e-tailers do provide now) but vouchers for all kinds of things! Of course, you could make your own little booklet of vouchers for things – if it’s for a partner or spouse those things can be as risqué as required! But it’s possible to subscribe to services which will send the recipient a gift each month for six months to a year, with vouchers that you can print to give on the day. The Guardian has collected a bunch of ideas here, from temporary tattoos or make-up to gardening tools and children’s crafts.

Liz from Must Have Gifts charity gifts put this gift-giving guide together and she hopes it will help you to complete the rest of your Christmas shopping in a stress-free fashion. In her opinion it isn’t the Christmas presents which have been difficult to organize this year but the Christmas cards! Here’s hoping they all arrive on time! Happy Christmas, everyone!

The Way Not To Run A Business

bad business

There are just so many poorly ran businesses out there and it is really sad to see. Running a business for many is their dream and to see people struggling is not at all nice. There are some fundamental points that these people need to bear in mind and if they do then the chance of success is much higher than it would have been before.

Too many people jump into running a business thinking it is a simple way to make money very quickly, I am afraid things don’t work like that in the real world and a company has to have a long term vision for the future if there is any chance of success.

We are in a period of economic hardship and people are struggling to fund businesses and thus jumping into a new one without a plan is a recipe for disaster.

I am not saying don’t start a business bust make sure that you have all bases covered before going for it. This article will highlight things to bear in mind when looking to start a business.

Poor Website

We live in the internet age and a company cannot afford to have a poor website, it is as simple as that. There is just too much competition out there and falling behind online is genuinely the worst thing a business can do nowadays. You have got to keep up with the market you are held within and if you can do that then the chance of profitability is much higher.

You have got to make sure that your website is well designed and well hosted. Check out Jaguar PC for web hosting and do a little research in regards to web-developers, there will be many high class freelance workers out there.

Competition is very high and you have got to be willing to go that extra mile to secure the online client base needed for long term prosperity in the modern era. The days have gone when business was done by word of mouth, what you offer has to be showcased online and in a way that is universally palatable.

Poor Product

You have got to have a strong product, if you have a strong product then you are much more likely to secure the clients you need. A business is all about profit and thus it is essential that you invest the right amount of time and money in the product you provide.

Try and be innovative, if you can do this then you again give yourself a further advantage over your market rivals. Just do a little research and make sure you cover all the bases.

Poor Leadership

You have got to have strong leadership, if there is strength and drive at the top you will be able to inspire your workforce to perform for you and get the job done to a high quality.

Interview rigorously and only hire the best, this is one of if not the most important way to run a successful business.

David writes a variety of articles about various topics. He worked at a London newspaper for a while before pursuing his own career as a freelance writer.

Don’t Be A Victim: 5 Tips To Avoid Holiday Credit Debt

‘Tis the season of giving, as well as going overboard with credit card debt. It’s natural to want to provide a great Christmas for your friends and family but it’s often easy to stack up on credit card debt as you continue to purchase gifts for your loved ones. We often put our finances on the backburner during the holiday season and in a survey by CreditDonkey.com suggests that 37% of consumers use their credit card to finance their holiday spending. Rather than spiraling into debt and months of repayment, follow the following five tips to keep tabs on your holiday spending this year.

Christmas Stress

 1.    Buy a little at a time

Rather than getting all your shopping done the week before Christmas, try to buy a few items at a time. This will allow you to keep track of your spending better, as well as allow you to set a budget. It’s easy to get carried away during a single, large shopping spree and you may end up spending more than you can afford. Buy a little at a time so you can pay it off immediately during each paycheck period.

2.    Set a budget

Lay out a plan that is affordable for you and set a budget for each person on your list. Whether you put together an excel sheet or use a pen, paper, and calculator, keep the list up-to-date whenever you purchase an item. Be sure to include things like taxes and shipping costs that could end up costing you a good amount of money.

3.    Be realistic

It’s important to be realistic about what you can give your loved ones. Sure, it’d be great to buy your child the newest Xbox console but is it realistic to spend $400 on a toy? Don’t buy things you can’t afford and be honest with yourself about what’s affordable for you and what is not. Thoughtful gifts are much more appreciated than expensive ones.

4.    Think of credit cards as cash

Think of your credit card as cash, or better yet, use your debit card. Don’t purchase more than you can pay back in a single pay period. Making purchases that cannot be paid back immediately are what contribute to the majority of credit card debt.

5.    Use a cash rewards program

A large amount of credit cards offer a rewards program where you get cash and other items of your choice as you continue to use and pay off your card. This is helpful for the holidays for some quick cash once you gather enough points.

Keep in mind that there are unique ways to make some extra cash for the holidays, such as freelancing, odd jobs, or maybe even considering pre-settlement loans if you’re involved in a lawsuit. Don’t let the holidays become a stressful time of the year due to finances. Avoid credit card debt with the above tips and keep your options open in different ways to make some fast cash in time for the holidays.

Paul is a writer currently residing in New Jersey with his wife and one child. When he’s not writing or blogging, he enjoys spending time with his family, a good game of golf, reading, and sailing.

5 Ideas To Get Something Out Of Useless Christmas Gifts

Every year at Christmas, it seems you get at least one gift that’s useless to you. It could be an appliance for which you have no need, a piece of jewelry identical to a piece you already own, or an article of clothing that just does not quite fit your style. Instead of letting them sit in a closet and gather dust or re-gifting them to clients, coworkers or friends, why not use one of these ideas to turn that useless gift into a holiday boon.


First idea:

Donate those unwanted gifts to a charity such as Goodwill or the Salvation Army. There are even charities that cater to specific needs, such as Dress for Success and Career gear, which allow people to donate business attire. These items will then be used to help dress men and women, who could not otherwise afford it, for job interviews. It’s a great way to donate the myriad ties you received. As an added bonus, you get a nice tax deduction for donating to nonprofit charities.

Second idea:

Many recipients of gifts find it hard to ask for the receipt for an expensive item, afraid that it might hurt the giver’s feelings. For items such as gold jewelry or gold cuff links, instead of letting them sit in your jewelry box and gather dust, why not take that jewelry to your local pawn shop and sell it for cash? Not only will you be getting quite a bit of cash, but a future buyer will be getting a great deal on a new piece of jewelry.

Third idea:

Most of us can’t find a use for two toasters, crock pots or blenders. Websites such as Craigslist.com are great places to unload small or large appliances for a bit of extra pocket cash. Just remember to take safety precautions when allowing strangers into your home!

Fourth idea:

In today’s fast-paced world, many of us don’t have time to do a lot of shopping for anyone other than a few select friends and family members, so we give and receive gift cards for Christmas. Sometimes, though, those gift cards are not suited to our interests and we just won’t use them. Instead of letting them expire and allowing the company to keep all that profit, you could donate those gift cards to children’s hospitals, senior living facilities or even military organizations. Many of these people will be without their families or on a fixed income over the holidays and the kind gesture would be appreciated.

Fifth idea:

If you’re the outgoing type, start a yearly neighborhood gift exchange. After the holidays are over, each person brings one gift they received, which is useless to them, and exchanges with another person for something more useful. It’s a great way to get to know your neighbors and turn a gift that wasn’t quite right for you, into something you’ll be able to use. For more fun, have each person bring a snack or drinks and turn it into a party!

Whether it’s a little pocket change for yourself or making someone else’s day a bit brighter, just follow a few of these suggestions, and maybe come up with a few ideas of your own, and you can turn those useless gifts into something beneficial for everyone.

Tomas Lloyd has worked as a financial planner for over 15 years. He recommends visiting mint.com/blog which he regularly reads for financial tips & useful investing information.

Evolving Beyond Language – The Fine Line Between Smart And Stupid


Communication is an exchange of information using language as a tool to convey and transmit meaning.  There are 6800 different languages currently in existence. Communication with people, who are not speaking your language or not speaking it on your level is an everyday occurrence online and in most offices. You have to be able to communicate with smart and stupid people alike.

You must have heard many times how someone is upset with your improper pronunciation or spelling. Yes I’m talking about Grammar Nazis.

“Grammar Nazis are people who use their freakishly and/or annoyingly powerful understanding of and compliance with grammar and spelling to attempt to “correct” others, usually the blissfully-oblivious-to-the-outside-world members and users of the Internet, who only understand the grammatically genocidal text-speak. However, the Grammar Nazi sees “correcting” others as “making” others “look like fools”, and the others in question see the Grammar Nazi as “some asshole with no life”.”

-Source: http://uncyclopedia.wikia.com/wiki/Grammar_nazi

Working and living abroad

Working and living abroad have taught me, that the actual definition of a word is unimportant. I had to talk and communicate with people with little or zero English knowledge. I used my hand and feet and improvised in any way I could. Words gained new meanings and lost old ones in the course of our conversation.

What was important is to get the message across. It’s even more important in a fast-paced work environment. We operated heavy machinery where I worked abroad so misunderstandings could have easily resulted in deaths.

Meaning is much more important than the actual definition and if we can convey the meaning without proper usage of the words then we should go for it. The proper definition of words are not evolving as fast as the actual users need it. If the communication can be sped up and made more efficient trough deviation from the official definitions then we should not stick to them.

Forever committed to a limitation

There are people especially the age group 50+, who are vehemently and forcibly sticking to the official definitions and spellings of words and much rather correct someone or pretend not to understand  them, even when it causes real problems. Especially at a workplace.

These people mastered the proper way of speaking to such an extent, that they can communicate effortlessly, without errors with someone similarly minded. However they lost their ability to communicate with someone, who is not speaking their language and when confronted with such situations they are dumbfounded.

The lie of image and proper stupidity 

If you think now, that you must master the proper way of speaking and following definitions of words to the letter before you can ignore them, then that is like saying  you have to master Adobe Illustrator and/or Photoshop and/or Fireworks before you dare to imagine pictures in your head or come up with visual art ideas.

No it happens in the exact reverse order.  Language (or Adobe Photoshop) is simply tool we use to realize our ideas, to create beautiful things. They are limiting our potential of creation and are simply limitations. And language can be thought of this way as well, simply as a limitation of our thoughts.

It is time to recognize language for what it is and evolve beyond it. So next time if someone is using improper grammar or words to describe something just think about this. It does not mean, that he has no idea what he talks about! If he conveys meaning  is all that matters.

Do not embrace limitations and/or perpetuate them.

I really want to know, what you guys think about this! Let me know in the comments!

This guest post is the work of Simon, owner of Simon’s Online Marketing Company, an online marketing agency specializing in providing online marketing services for clients indifficult niches.


How To Save Money At The Grocery Store

Everyone wants to save money while food shopping. For some time, there has been a persistent myth that it has been impossible to eat cheap while still eating well; quality and nutrition have always associated with high cost. However, this traditional idea could not be further from the truth. It is possible to save quite a bit while grocery shopping, even without performing the time consuming task of coupon clipping.


Watch What is Being Shopped For
Though coupons are indeed a wonderful way to save money, many simply do not have the time to complete such an undertaking. Because of this, a shopper should pay attention to how they are shopping at the grocery store. When making a shopping list, consider whether a certain brand of an item is really necessary. It is unlikely that name-brand products actually taste or perform any better than the non-name-brand products. While store brands are almost universally cheaper, sometimes this is not the case, be sure to compare all prices of similar items. Also keep in mind that, at most grocery stores, more expensive items are kept at eye level, while cheaper items are near the top or bottom of shelves. Always scan for the cheapest price of a certain item both above and below the item at eye level. In addition, frozen and canned foods are usually much cheaper than their fresh counterparts. While it is certainly true that for some dishes canned goods would ruin the taste, this is not true for all, or even most recipes. Buy canned and frozen whenever possible. When buying fresh goods, avoid pre-washed or pre-sliced produce; these are far more expensive than the cost of the goods themselves.

Watch Where Shopping Takes Place
Not all grocery stores are the same. Many grocery stores cater to clientele willing to spend more for a higher quality food. These “premium” grocery stores are nearly all marketing, and their markup isn’t worth spending when similar quality can be found around the corner at the budget supermarket. One should also consider buying in bulk whenever possible. Bulk shopping clubs offer excellent discounts for buying large quantities. This is especially useful for canned and frozen goods, but, depending on the amount of people being shopped for, may not be appropriate for many fresh goods. An online grocery store is also an excellent option. Online grocery shopping has expanded a great deal in recent years, and offers a diverse selection of foodstuffs that can be bought from the convenience of someone’s home. In addition, price comparison and planning is much easier using an online grocery store.

Start the Savings at Home 
Extend your savings by making a few small changes at home. Always be sure to plan shopping trips. Have a list of the items needed in hand before heading into the grocery store. The shopping list should ideally be planned around recipes that have been scheduled in advance. By planning meals and regulating shopping, a economically minded individual is able to drastically reduce waste, which translates to less money spent on the next round of shopping. In addition, brown-bagging lunches and cutting down on expensive pre-cooked and processed foods can be an excellent way to reduce extraneous spending.

Times are tough, and a shopper must be aware of how to properly save money if they are to succeed at shopping frugally. Following the above tips will offer shoppers an excellent start to reducing their grocery bill without sacrificing the quality of the foods that they buy.

Eileen Saw writes helpful resources on saving money and efficient ways to shop for essential household products. She currently writes with advice from the good people at RedMart Online Grocery, Singapore’s premier online grocery delivery service.


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