GIVE or GET FREE ADVICE

I wanted to bring your attention to a website that offers many opportunities. You can GET advice on various topics and at the same time, if you are knowledgeable in a particular area, you can GIVE advice as well. Keep in mind that this website is FREE if you register as a Advice Network user who wants to get or give advice. As a user, you can also write and submit articles using targeted keywords.

There is a samll fee if you are a vendor who wishes to join this network. BUT... this is a small price to pay if you are looking to market your business, product, service or blog.

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Advice Network is a free online advice service that gives businesses the opportunity to directly connect with customers looking specifically for businesses within their industry. Advice Network gives businesses: the opportunity to directly reach their target audience, multiple ways to promote their business, exclusive sponsor benefits that generate business, and better search engine rankings

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To The Good Ole Days...

After reading this, I found myself nodding my head...remembering my childhood, remembering the memories. I think there is something so truthful about these statements. The children of today might not get to experience life in this way and it's a shame. I hope you enjoy reading this. There are life lessons in each statement.

Here is a pretty neat little thing from Paul Harvey, a radio personality.
Paul Harvey Writes:

We tried so hard to make things better for our kids that we made them worse. For my grandchildren, I'd like better.
I'd really like for them to know about hand me down clothes and homemade ice cream and leftover meat loaf sandwiches. I really would.

I hope you learn humility by being humiliated, and that you learn honesty by being cheated.
I hope you learn to make your own bed and mow the lawn and wash the car.
And I really hope nobody gives you a brand new car when you are sixteen.

It will be good if at least one time you can see puppies born and your old dog put to sleep.

I hope you get a black eye fighting for something you believe in..

I hope you have to share a bedroom with your younger brother/sister. And it's all right if you have to draw a line down the middle of the room, but when he wants to crawl under the covers with you because he's scared, I hope you let him.

When you want to see a movie and your little brother/sister wants to tag along, I hope you'll let him/her.
I hope you have to walk uphill to school with your friends and that you live in a town where you can do it safely.

On rainy days when you have to catch a ride, I hope you don't ask your driver to drop you two blocks away so you won't be seen riding with someone as uncool as your Mom.

If you want a slingshot, I hope your Dad teaches you how to make one instead of buying one.
I hope you learn to dig in the dirt and read books.

When you learn to use computers, I hope you also learn to add and subtract in your head.

I hope you get teased by your friends when you have your first crush on a boy\girl, and when you talk back to your mother that you learn what Ivory soap tastes like.

May you skin your knee climbing a mountain, burn your hand on a stove and stick your tongue on a frozen flagpole.

I don't care if you try a beer once, but I hope you don't like it.. And if a friend offers you dope or a joint, I hope you realize he is not your friend.

I sure hope you make time to sit on a porch with your Grandma/Grandpa and go fishing with your Uncle.

May you feel sorrow at a funeral and joy during the holidays.

I hope your mother punishes you when you throw a baseball through your neighbour's window and that she hugs you and kisses you at Hannukah/Christmas time when you give her a plaster mold of your hand.

These things I wish for you - tough times and disappointment, hard work and happiness. To me, it's the only way to appreciate life.

So...do you agree?

In This Volatile Market, Are You Staying Calm?

In today's turbulent economic situation, are you staying calm with regards to your retirement savings? One of the worst mistakes you should try to avoid is making panic driven decisions. These decisions are solely made due to your reaction to negative economic developments.

We are hearing the problems constantly in the news. They are real and one to be concerned about, but the market has always changed. The market and economy changes in cycles.

If you maintain a long term perspective concerning your 401 or other retirement account, you will continue to keep the benefits of the many years of planning and saving. It may be tempting to try and outperform the market by guessing which way they will go and then shifting your money between assets. Even experienced pros cannot guess or predict.

If you plan for long term, you can reduce your risk. Sticking to your plan no matter what the markets are doing over the short term is important to achieve your retirement saving goals. Getting the advice of a professional could help with investment strategy, goals, needs and your risk tolerance.

Stocks, bonds and cash all carry some risk, but at different levels. If the risk is greater, the potential for a greater return is there. Do not carry a great risk if you cannot comfortably tolerate it. Considering the fact that stocks, bonds and cash can go up and down with returns and have different levels of risk, you might be more comfortable having a mix of all three. Find the right balance that is right for you.

It is important for you to monitor your accounts from time to time. It may be necessary to rebalance your assets, but using a long term approach rather that panic driven decisions.

If you can keep your head when all about you are losing theirs...Yours is the earth and everything that's in it...
Rudyard Kipling

Source: Goldman, Sachs & Co.

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Halloween Candy Recall

With Halloween just a couple days away, here is a recall you should be aware of.

Sherwood brand Pirate's Gold Milk Chocolate coins are being recalled due to the fact that they contain Melamine, the ingredient in milk product that has caused many infant deaths in china. These candies are sold at Costco, as well as many bulk and dollar stores. Please make sure to spread the word and DO NOT EAT THE PIRATE COINS (you know the ones wrapped in the shiny gold foil) and please let other parents know about this!

This recall is mainly affecting Canada, but they are not sure if this candy crossed the border into the US.
Read the Snopes article HERE

Thinking about all the trick or treating I did as a child and those of my son, I don't remember having to worry about evil acts by candy givers or candy recalls etc...My parents only concern was that I didn't eat ALL the candy before returning home.

I do remember how when the times had changed and parents had to worry about when the razor blade in apple scare surfaced and tainted candy was being handed out. WHY? Why do people do this?

Now you not only have to worry about what your children might eat that will make them ill, but you can't let children go trick or treating alone for fear of something bad happening to them.

With Today's constant recalls and awful acts happening all around us, worry me. Are you worried about letting your child go trick or treating? Has all your trust diminished?

I do hope all have a safe and fun Halloween.

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Take The 30 Day Challenge

Maybe some of you have already heard of or even joined the 30 Day Challenge.

What is the 30 Day Challenge?

This program is FREE and for 30 days you are shown exactly how to start your own Internet business and generate your first income online without spending a dime.

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This program is for every day people just like you and I.

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Each day you are presented with a 'lesson'. This lesson includes tips, widgets and information for you to follow. Once you join the program, you do have access to the full 30 days of lessons, so you can review at your leisure and apply each lesson as you see fit.

Some topics and resources you may already be aware of, but some may be new to you, which is beneficial to creating your presence on the web.

Expanding your knowledge is a powerful tool in becoming successful. Check out this 30 Day Challenge...create a team and work together with your friends...FREE is an opportunity that shouldn't be passed up, especially when you can truly benefit from this program.

In God We Trust

NBC took a poll on 'In God We Trust'. This poll allowed the media to know where the people stand on our faith in God and as a nation.

The results:

Should the motto "In God We Trust" be removed from U.S. currency?
(* 8392416 responses)

Yes. It's a violation of the principle of separation of church and state. 19%

No. The motto has historical and patriotic significance and does nothing to establish a state religion. 81%

Would you agree the motto should be removed or disagree?

See Poll HERE

As the Pledge of Allegiance states... one Nation under God...

"I pledge allegiance to the Flag of the United States of America, and to the Republic for which it stands, one Nation under God, indivisible, with liberty and justice for all"

Things To Ponder...

Can you cry under water?

How important does a person have to be before they are considered assassinated instead of just murdered?

Why do you have to 'put your two cents in'.. But it's only a 'penny for your thoughts'? Where's that extra penny going to?

Once you're in heaven, do you get stuck wearing the clothes you were buried in for eternity?

Why does a round pizza come in a square box?

What disease did cured ham actually have?

How is it that we put man on the moon before we figured out it would be a good idea to put wheels on luggage?

Why is it that people say they 'slept like a baby' when babies wake up like every two hours?

If a deaf person has to go to court, is it still called a hearing?

Why are you IN a movie, but you're ON TV?

Why do people pay to go up tall buildings and then put money in binoculars to look at things on the ground?

Why do doctors leave the room while you change? They're going to see you naked anyway.

Why is 'bra' singular and 'panties' plural?

Why do toasters always have a setting that burns the toast to a horrible crisp, which no decent human being would eat?

If Jimmy cracks corn and no one cares, why is there a stupid song about him?

Can a hearse carrying a corpse drive in the carpool lane ?

If the professor on Gilligan's Island can make a radio out of a coconut, why can't he fix a hole in a boat?

Why does Goofy stand erect while Pluto remains on all fours? They're both dogs!

If Wile E. Coyote had enough money to buy all that ACME crap, why didn't he just buy dinner?

Corn oil is made from corn, and vegetable oil is made from vegetables, what is baby oil made from?

If electricity comes from electrons, does morality come from morons?

Do the Alphabet song and Twinkle, Twinkle Little Star have the same tune?

Why did you just try singing the two songs above?

Why do they call it an asteroid when it's outside the hemisphere, but call it a hemorrhoid when it's in your butt?

Did you ever notice that when you blow in a dog's face, he gets mad at you, but when you take him for a car ride, he sticks his head out the window?

A Chuckle For Today

It Seems that we live in a ' sue' Happy World. I hear stories of people who are suing for the craziest of reasons and much to my surprise, usually win.

In light of that...I thought this was pretty funny.

Money Saving Tips

These days it is important to spend less on things when you can. I think most people are feeling the pinch. Here are a few ways to save some money each money. It does add up.

1. Still Using a Land line?

If you have a cell phone, you probably don't need to keep that land line. A land line is expensive. If you must have a land line, think about switching to your local cable company. They offer bundle packages and/or promotions that will surely be less expensive.
I am one of those people that cannot give up my land line due to business reasons, but I am saving over $100 by switching to my cable company. Their promotion is valid for 2 years. I am saving quite a bit of money each month this way

2. Do you use the ATM frequently?

If you don't like to carry cash around like me, you may use an ATM that is close to you at the moment. Some ATM's charge up to $3.50 in fees just to take your money out. Use the ATM a few times and those fees add up. Instead, try to use the bank your associated with. No fees are charged.
What I have been doing lately is if I am at the food store or other store that allows you to receive cash back, I take money then. I am not charged any additional fees.

3. Still Buying Name Brands?

I know most people are in the habit of buying name brands and are hesitant to purchase store brand products. Have you ever compared labels? I have and realized the same ingredients are usually in both. I now buy store brands and save money each week. No one in my household even notices the difference. In fact, I like the store brand products more.

4. Eat Out Less

If you are on the go and eat dinner out often, try cutting that in half. If you order lunch out while at work, do the same. Considering lunches end up being about $10 each day by the time you add the tax and tip. That's $50 each week! $200 each month! Even by cutting it in half and bringing lunch from home, you can save $100 each month. And, healthier eating too.

5. Can't Give up your Pedicures or Manicures?

The shop I visit charge $25 for a pedicure and I give at least a $5 tip. I'll be honest, a pedicure is the most relaxing experience...right girls? Since summer's over, I'll get one last pedicure to last the winter. I usually bring a polish from home, so if needed, I can touch up when needed.

During the summer I cut my pedicures down to once a month. I saved $90 each month by doing this.
I do my own manicures, so I didn't have that expense to worry about. But, if you need to get manicures, try going a week or two without. These actions add up in savings each month.

6. Rent Movies?

If you've already given up on going out to the movies and paying those ridicules fees, but now rent movies, you can still save. The local food stores here in my NJ area offer machines that allow you to rent a movie for $1.00! that's right one dollar. Have you noticed if your food stores offer the same?

You can also get yourself a library card at your local library. They are free and usually libraries have an awesome video/audio department. Instead of paying those high cost rental fees, FREE is great.

7. Still Have a Gym Membership?

If you do and pay monthly fees, do you really go to the gym as much as you should? If you don't, that is wasted money. I recently read that gym members visit their gym once a week...four times a month. Does that justify you paying those monthly fees? There are many ways you can stay active at home that will cost you zero.
I love pilates and it cost me $10 to buy a CD. I use that often and incorporate a cardio workout by walking on a treadmill or using my tae bo CD. The savings here are incredible and honestly, I get a better workout and the time spent is focused on my routine, not on my surroundings, nor am I socializing with other gym members, or waiting to use machines etc...

Do you have any money saving tips you would like to share?

Have You Realized?

There comes a point in your life when you realize

who matters,

who never did,

who won't anymore...

and who always will.

So, don't worry about people from your past,

there's a reason why they didn't make it to your future.

The Color Test

Keeping our brain active with help remove the cholesterol
around our brain and try to slow up Alzheimer's Disease. A great test, do it until you get 100%!

Bet you can't get 100% on the first try! But I'm rooting for you.

This is pretty neat! See how you do with the colors! Have fun!

It takes an average of 5 tries to get to 100%. Follow the directions!

It's harder than it seems, as it should be!

A brain waker-upper for today!

http://www.humorsphere.com/fun/8787/colortest.swf

Something To Ponder

A friend of mine recently made me aware of something and it did leave me with puzzling thoughts.

This was something to ponder...

Is it just me,or does anyone else find it amazing that during the mad cow epidemic our government could track a single cow,born in Canada almost three years ago,right to the stall where she slept in the state of Washington? And, they tracked her calves to their stalls. But they are unable to locate 11 million illegal aliens wandering around our country. Maybe we should give each of them a cow?

The Only Thing That Is Truly Yours is Your Attitude

I found the below story in my email inbox. I enjoyed it so much, I thought it was worth sharing. It's a great motivator and proves once again that your attitude truly does matter in your life...

Jerry is the manager of a restaurant. He is always in a good mood.

When someone would ask him how he was doing, he would always reply:

'If I were any better, I would be twins!'

Many of the waiters at his restaurant quit their jobs when he changed jobs,

so they could follow him around from restaurant to restaurant

Why?

Because Jerry was a natural motivator.

If an employee was having a bad day, Jerry was always there, telling him how to look on the positive side of the situation.

Seeing this style really made me curious, so one day I went up to Jerry and asked him

'I don't get it! No one can be a positive person all of the time.. How do you do it?'

Jerry replied, 'Each morning I wake up and say to myself, I have two choices today. I can choose to be in a good mood or I can choose to be in a bad mood.

I always choose to be in a good mood. Each time something bad happens, I can choose to be victim or I can choose to learn from it. I always choose to learn from it.

Every time someone comes to me complaining, I can choose to accept their complaining or I can point out the positive side of life. I always choose the positive side of life.'

'But it's not always that easy,' I protested.

'Yes it is,' Jerry said.

'Life is all about choices. When you cut away all the junk every situation is a choice.

You choose how you react to situations.. You choose how people will affect your mood. You choose to be in a good mood or bad mood..

It's your choice how you live your life..'

Several years later, I heard that Jerry accidentally did something you are never supposed to do in the restaurant business.

He left the back door of his restaurant open. And then in the morning, he was robbed by three armed men.

While Jerry trying to open the safe box, his hand, shaking from nervousness, slipped off the combination. The robbers panicked and shot him.

Luckily, Jerry was found quickly and rushed to the hospital.

After 18 hours of surgery and weeks of intensive care, Jerry was released from the hospital with fragments of the bullets still in his body..

I saw Jerry about six months after the accident.

When I asked him how he was, he replied, 'If I were any better, I'd be twins. Want to see my scars?'

I declined to see his wounds, but did ask him what had gone through his mind as the robbery took place.

'The first thing that went through my mind was that I should have locked the back door,' Jerry replied.

'Then, after they shot me, as I lay on the floor, I remembered that I had two choices: I could choose to live or could choose to die. I chose to live.'
'Weren't you scared' I asked?

Jerry continued, 'The paramedics were great. They kept telling me I was going to be fine.

But when they wheeled me into the Emergency Room and I saw the expression on the faces of the doctors and nurses, I got really scared.

In their eyes, I read 'He's a dead man..

I knew I needed to take action.'
'What did you do?' I asked.

'Well, there was a big nurse shouting questions at me,' said Jerry. 'She asked if I was allergic to anything.'

'Yes,' to bullets, I replied.

Over their laughter, I told them: 'I am choosing to live. Please operate on me as if I am alive, not dead.'

'Jerry lived thanks to the skill of his doctors, but also because of his amazing attitude.

I learned from him that every day you have the choice to either enjoy your life or to hate it.

The only thing that is truly yours - that no one can control or take from you
is your attitude, so if you can take care of that, everything else in life becomes much easier.

Human Body Facts

The human body is a machine that is full of wonder. This collection of human body facts will leave you wondering why the heck we were designed the way we were.


1.. Scientists say the higher your I.Q. The more you dream.

2.. The largest cell in the human body is the female egg.

3.. The smallest is the male sperm.

4.. You use 200 muscles to take one step.

5.. The average woman is 5 inches shorter than the average man.

6.. Your big toes have two bones each while the rest have three.

7.. A pair of human feet contain 250,000 sweat glands.

8.. A full bladder is roughly the size of a soft ball.

9.. The acid in your stomach is strong enough to dissolve razor blades.

10.. The human brain cell can hold 5 times as much information as the Encyclopedia Britannica.

11.. It takes the food seven seconds to get from your mouth to your stomach.

12.. The average human dream lasts 2-3 seconds.

13.. Men without hair on their chests are more likely to get cirrhosis of the liver than men with hair.

14.. At the moment of conception, you spent about half an hour as a single cell.

15.. There is about one trillion bacteria on each of your feet.

16.. Your body gives off enough heat in 30 minutes to bring half a gallon of water to a boil.

17.. The enamel in your teeth is the hardest substance in your body.

18.. Your teeth start developing (in your gums) 6 months before you are born.

19.. When you are looking at someone you love, your pupils dilate, they do the same when you are looking at someone you hate.

20.. Blondes have more hair than dark-haired people.

21.. Your thumb is the same length as your nose.

22.. At this very moment are you are putting this last fact to the test??? :0)

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Drinking the juice of fresh fruit and vegetables has the power to protect us from disease and illness by strengthening our immune system. It stimulates our metabolism and keeps us 'clean' on the inside.

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Don't Judge Too Quickly

These are the Top 5 humorous commericals brought to you by Ameriquest Mortgage.
Enjoy! We could all use a laugh now and then...



Do You Judge Too Quickly?
Many people do...Read a related post on this subject by clicking HERE

In Remembrance

Remodel With Style

If you have been living in your home for quite some time, you may feel your bathroom needs updating, especially if you haven’t changed a thing since moving in. Do you still have the standard, boring white bathroom sinks, tub and toilet?

The bathroom is the most used room in the house. Changes to your bathroom can range from small remodeling projects to larger projects depending on your budget. Remodeling the bathroom will add value to your home, so if your thinking of selling and haven’t modernized the bathroom, this may be a project for you to think about. Will you see a return on your remodeling investment when you sell? You most likely will….it is said to be around 80-90% !

You can dress up your bathroom with small projects such as replacing Bathroom vanities or installing the perfect faucet. Replacing your old, outdated bathroom faucets will certainly be more pleasing to the eye and bring about change in the room. This is also a great do it yourself project and you will surely feel a sense of pride when the task is completed.

If you have a small bathroom, you can make more changes while staying within your budget because you have less area to remodel.

If you are looking for design ideas or need help planning your remodel, check out http://www.spacify.com/. The styles they offer are striking and you most likely have not seen these designs elsewhere. Their wide range of bathroom faucets can give your bathroom a modern and contemporary feel. They also offer single hole faucets too. I found their faucets, sinks and vanities are sleek and appealing. I was very impressed with the never before seen designs and workmanship.


Spacify offers modern contemporary,European and Italian designs plus retro designs, which will allow you to remodel with style as you personalize your bathroom to suit your taste and budget. You will certainly turn your bathroom into a work of art with the designs they offer.

Not looking to remodel your bathroom? At Spacify you can also find designs for your bedroom, living room and any other room in the house. Their how to guide and articles will sure help with any questions you may have.

If you are hesitant about buying online and spending extra money on shipping and handling, Spacify offers free shipping. Their site is easy to navigate and there are many topics of interest. From leather care to storage ideas to color schemes. I am sure you will find a topic you are interested in learning more about.

So visit Spacify and start planning your remodel.

Dining Around The World

Dining around the world can be a very different experience than what we are used to here in the United States. Others customs and etiquette may seem very odd to us.

Take the International Dining Etiquette Quiz and see how you would do eating in another part of the world.