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Yes that’s right money for free, no this is not a mistake or a misprint, and this is how you can get money for free.

It is the latest idea on the internet, all you have to do to get your money is what you already do and that is surf the internet, you also get paid for referring other people who sign up for free and they get paid for surfing the net.

This is about to become the biggest thing on the internet as not only do you get free money when you surf the internet but you also become a part owner in the company when you sign up.

Take note if this idea becomes as big as the experts think it will be as big as you tube which google just bought for 1.8 billion dollars, now that’s interesting.

Could the same thing happen with this that is very possible?

The only things we have to do is sign up surf the internet for which we get free money, and refer others to sign up who then get free money for surfing the internet.

It’s that easy.

So lets look at this, it costs us nothing to sign up it costs us nothing to refer other people to sign up it costs those other people nothing to sign up and so on, we then all get free money for doing what we do anyway, plus we become part owners in a company that has the possibility to become as big as you tube and therefore worth as much money.

I know what my feelings are on this, Show Me The Free Money, And in the future maybe even a lot more free money.

So if you like the idea of getting free money the same as i do, then I think it is time for this idea to become very succesful, don’t you agree.

My name is Gordon and I live in Australia. You need to Check this out at http://www.agloco.com/r/BBCK0161

Commercial real estate, private money loans also know as hard money and or bridge loans are becoming more prevalent as borrowers enjoy less red tape, quicker closings and more “common sense” underwriting than conventional financing provides. Typically though, borrowers still relay on this type of financing as an option when conventional sources are not available.

The increased speed and flexible underwriting comes at a steep price with interest only rates often in the teens, 3- 6 points being the norm and loan terms being relatively short at 12 - 36 months.

Why would owners pay such high fees/rates? In short, because it makes sense for them based on their current situation. Below are examples of transactions where it made sense for our borrowers or go the hard money route.

Grand Rapids. Small office building that was previously used as the owners business headquarters. The owner wanted to move his business out and convert the property into a multi-tenant building (investment property). To accomplish this he needed to create common areas, alter the entrance and add an elevator to the property. He needed a substantial amount of cash to make these improvements happen.

The problem was four fold: Personal credit was in the 400’s, the owner had virtually no liquidity, the owner had no development experience and the year to date, profit & loss and balance sheet showed that his business was losing money. These issues eliminated any type of conventional financing.

The owner knew that the property would be a cash cow, and drastically improve his overall financial position, if he could get the money needed to complete the project. For the lender the deal made sense as well, due primarily to the low loan to value (High equity).

In addition, the exit strategy was simple, after the building was renovated and leased out, the property would stand on its own and qualify for conventional finance base off the new cash flow.

Metro Detroit. Local business that owned six retail buildings and had its loan “called” (forced balloon) prematurely by its bank. The loan was called primarily because the business had lost money for three years in a row. The bank was nervous the borrower would go out of business. The business was forced to seek alternative financing.

Besides the above, multiple conflicting partners further complicated the matter and made conventional financing that much more difficult to obtain.

However, the properties where in solid condition and had much equity. The borrowers where able to leverage the equity and refinance their existing mortgage and roll in other business debt into the private money loan.

The result was increased cash flow enabling the business to regain profitability - even though their rate was much higher than the previous mortgage.

Cleveland. A real estate investor was in the process of purchasing a 40,000 square foot mixed use building. The seller became frustrated and began to doubt the buyer’s ability to purchase the building as the conventional lender became cautious and dragged the process out. To the buyers shock, the lender pulled out, two weeks before the scheduled close.

The primary issue for the conventional lender was that although the current net operating income could support the proposed loan, the historical (average of the last 3 years) net operating income could not meet the traditional banks Debt Coverage Ratio’s.

The buyer, fearing that he would lose the property and money he had already put into the deal, used private money to meet the closing schedule. The exit strategy to pay off the private money loan was to simply continue to document the current net operating income and refinance the debt into a conventional loan one year out.

These are typically private money scenarios, others include foreclosures, distressed properties, recent bankruptcies, lack of existing cash flow, partnership buy outs, land contract refinances, “need for speed,”etc.

Common positive traits that make the loans financeable include loan to values less than 60% and clear “exit strategies” on how the borrower is going to pay back the private money lender.

Yes, hard money is expensive, but can be a viable option given the right (Or wrong) set of circumstances.

Jeff Rauth is President of Commercial Finance Advisors, Inc. based out of Bloomfield Hills, MI. He specializes in Commercial Real Estate Loans between $100,000 - $5,000,000. Offers unique loan programs such as Commercial 30 Year Fixed, private money loans and 90% non SBA financing. He can be reached at 248 990-7602. jrauth@cfa-commercial.com www.cfa-commercial.com.

To make money takes money, right? Or so many of us have heard and believed for years. Thus, when an individual seeks to open his own home business, he first seeks a way to obtain that money that he needs to make the money that he wants. The majority of those in this very situation will take the quickest route possible: straight to the bank. They will borrow the money they need and in the process risk items paramount to their ability to live, namely, their homes. Across the country individuals risk those things that they need the most, namely their homes, in the name of establishing a home business. However, the successful home business owner, the ones that end in the black every time, shun the idea of borrowing money. Instead of drinking the kool-aid of debt, they have discovered a way to pay their way to success.

First and foremost, these individuals do not, under any circumstance, borrow money. They understand that the borrower is slave to the lender, and thus in order to stay free, they run far away from the shackles that bind so many of their contemporaries. How do they do this? They have a vivid imagination. They imagine the foreclosure notice coming to their door via the postman, and they imagine their family selling nearly everything they have to keep the home they live in simply because they put their home up as collateral against a loan so they could open their own business. This image alone motivates them not to borrow against their home or anything else important to them.

Instead of borrowing, these successful home business owners establish their business slowly by growing only as far as they can afford it. They pay for their business items with cash, including inventory and supplies. When they pay in cash, they purchase inventory and supplies much more carefully, because they are using money that they have already worked hard for. Thus they select their investments wisely. They also understand that when they grow a business slowly, the business has time to establish roots and thus longevity. They have the time to manage it because it does not grow out of control.

Finally, if the dreaming-of-a-home-business individual cannot afford to open his own home business with the cash he has on hand, he keeps his dream but does not sacrifice his home to get it. Instead, he transforms that dream into a goal, and he works all that much harder at his present job to make the dream a reality. Once he has saved enough money, then he begins investing in the dream, the home business. At that point, the home business no longer is a dream that may turn into a nightmare, but it’s the beginning of an end, with the end being the goal and the beginning being the dream. The home business owner then has a reason to celebrate: he has just opened his own business without any debt.

Home business owners across the country are sadly declaring bankruptcy and moving their families to smaller homes or apartments because of foreclosures. The home business does not have to be that same nightmare for every home business owner. Let your home business turn into a dream by paying off your debt and then paying for what you need with cash only. Doing so will lead you to a much more successful and peaceful end.

Jim Biscardi is owner of Dynamic Wealth Systems, LLC and writes on a variety of subjects. To learn more about this topic Jim recommends you visit: http://www.DynamicWealthSystems.com

With a little effort, the right online coupons can save you a lot of money. There are several wonderful websites that offer online coupons for major stores online. Some of the biggest retailers distribute coupons to their affiliates, which pass the savings on to the online consumer.

It is worth the time to search through these coupon sites to find the best deal, depending upon what it is the buyer is looking for. Get free shipping, a percent of your online purchase off, spend a certain amount of money, and get a certain amount off of your purchase, free items with purchase, and many sites offer printable grocery coupons as an added bonus. The savings can be substantial, and the smart shopper will come away feeling great!

It might be easy to go directly to the retailer, and buy what you are looking for, but invest a little time, and your savings can be substantial. Take note of those coupon codes, click on the links, and find what you need. With the money you save, you can buy additional items. No need to find a parking space, or battle the mall shoppers. With the holidays coming, it’s nice to know that online shopping can save both time and money.

Carmen Wilson is the content manager for two excellent coupon sites, http://www.shoppergirlsplace.com and http://www.couponbeauty.com . Shopper Girl’s Coupon Place is dedicated to all things shopping, with many large retailers’ coupons and sales. The Coupon Beauty site offers discounts, and coupons for bath and beauty items.

Ok, you’ve purchased one of those money-maker products and it’s giving you all sorts of ideas for making money online. Now what?

Although it’s possible to generate Internet income without a website, you’ll eventually want one or even several so you can get listed in search results. But don’t forget, search engines love to send visitors to content-rich websites, so you’ll want to cram your sites with useful information. Here’s how it works… Good content impresses your visitors, who are then coaxed into buying.

What can you do to boost your fledgling online business? Study and learn, and then keep studying and learning! I know it sounds like work, but competition on the Internet is fierce and soon only the very knowledgeable will succeed. You can make yourself one of the success stories.

Here’s how to build a website business that will put more online cash in your pocket.

Step 1: Buy a product that includes a free, starter website.

Some money-making products offer a free website after you purchase the package. It’s a great start for your Internet empire, so take advantage of the offer.

Recommended: “Adwords Miracle”, “The Ultimate Wealth Package”, “The Rich Jerk”.

Step 2: Use Adwords ads to get traffic to your website in a hurry.

Check out books from the library or book stores to get familiar with Google Adwords (that’s the name of Google’s pay-per-click (PPC) ad program). These ads appear in the “Sponsored Links” area, to the right of web search results.

How does Adwords work? You pick targeted keywords and write a brief ad to entice your visitors to click. It’s the quickest way to get traffic to your website, but it will cost you. You bid on the keywords you want your ad to be listed for and pay the bid price each time a visitor clicks on your ad.

Recommended: If you have the money, buy at least one information product that teaches the basics of PPC advertising and gives you some insight into the techniques professional marketers use. Two excellent products are “Adwords Miracle” and “Beating Adwords”.

Step 3: Learn some HTML and put Adsense ads on your websites.

You will want to adjust and adapt your websites to add more income-producing content. For example, Google has a free program called Adsense where you place Google Adwords ads on your web pages. Google gives you the instructions making it easy to place Adsense ads on your web pages, as long as you know basic HTML.

Adsense ads are matched to the content on your pages so they’re relevant to your website and of interest to your visitors. If someone clicks on an Adsense ad from your website you get credit for the click at approximately 50% of the per-click cost the ad owner pays Google.

Here’s the benefit of Adsense: if your visitors aren’t ready to buy the products on your website, they may want to click on a relevant Adsense ad instead. If they do, you get some income to offset the cost of any Adwords ad they clicked to get to your site in the first place. In fact, some people actually make a living from Adsense revenue. You could be one of them!

Recommended: Your public library has books and CD-ROMs that can train you in basic HTML. If you prefer online instruction, try the free courses at W3Schools: (http://www.w3schools.com/html/html_intro.asp). For Adsense information: (https://www.google.com/adsense/).

Step 4: Become fluent in SEO (Search Engine Optimization.)

This is a fancy phrase that simply means adjusting the content and some of the HTML to make your websites more appealing to search engines, like Google, Yahoo and MSN. Search engines look for keyword-rich content and certain HTML tags to determine the topic of your site. The more “search engine friendly” you make your website, the higher you will appear in the search results. But why bother, if you’re forking-out cash to have Adwords ads send traffic to your site?

Consider this… Statistics show that searchers trust and click normal search engine results more than Adwords ads. So, if you tweak your site a little bit you will eventually get FREE search placement. Instead of clicking on one of your expensive Adwords ads, a prospective customer will see your website listed in the general search results and click there instead. That, my friend, is a NO COST click! Well worth a little study and some massaging of your website content and HTML.

Recommended: SitePro News. Sign up for their free newsletter about site promotion and search engine optimization at http://www.sitepronews.com. This is a quality site that won’t spam you.

Step 5: Repeat, then repeat again.

Once you’ve mastered the above strategies, you simply create more websites using what you’ve learned. Check the money-making product you originally bought for ideas for website topics and products to sell.

Your Strategy Summary.

Ok, let’s review how the whole process works. Here’s what you do:

(1) Buy a money-making product with a free website that jump-starts your online business.
(2) Use Adwords to generate quick traffic to your website.
(3) Put Adsense ads on your site to offset your Adwords costs.
(4) Tweak your HTML and website content to improve your search engine placement and visitor interest.
(5) Create more websites using the free site as a template and duplicate your success, over and over again.

That’s how money is made on the Internet. There’s no real trick to it, you simply go from one successful website to another, earning a little money from each one. With some study and a certain amount of work, you’ll eventually own a website empire that generates enough cash for you to make a comfortable online living.

Tom Thomas is an Internet marketer who reviews the best money-making products, domain name registrars, website hosting companies and online marketing tools. See his reviews at http://BestMoneyMakersGuide.com

Information is one of the biggest reasons people surf the internet. Finding out how to lose weight, how to meet that special someone, how to work for yourself and fire your boss…the topics go on and on. Amongst the sites that deal with topics like this are an ever-growing collection of eBooks. eBooks are a great item to sell, as there are no printing or shipping costs. All you need is the website from which to sell eBooks.

CBMall takes care of the website for you. All you need to do is promote ebooks that are sold through CBMall, and you receive a commission on all sales through your mall. The “CB” in CBMall refers to Clickbank, which is one of the largest repositories for eBooks on the internet. CBMall takes the most popular, best selling eBooks from Clickbank and makes them available in an easy to use website that functions like an online shopping center, or “e-mall”.

I purchased a CBMall back in 2005. With your purchase, you receive your own link that gives you commissions on all sales made from people who click your link. You do not need a website, which greatly reduces the amount of investment you need to make. Your CBMall account gives you access to a knowledge base of how to get started with promoting your CBMall and even offers some words of encouragement from Jeff Mulligan, creator of CBMall.

Jeff has created a great mini course on CBMall and how you can use this to develop your own online business. The course is free to take and it is a great way to check out CBMall without spending any money at all.

I have been impressed with the ease of use of CBMall, and its various features. There aren’t any hidden surprise charges that come up after you buy it. The only other investment you can (and should) make is in promoting your CBMall link, since that is the way you make money through CBMall. The good news is, Jeff offers you a good amount of information on how to market and promote your CBMall. The great news is you are not forced to buy loads of software or sign up for any hosting or long term monthly service agreement.

I’ve promoted my CBMall through some Pay Per Click ads on Google and MIVA, as well as some Ezine ads. I’ve sold several products through CBMall and have built up a considerable amount of subscribers to Jeff’s CBMall mini course. I will be paid commissions if any of the subscribers under my name purchase CBMall. There is some sample promotional copy for CBMall available through the site, just keep in mind you’ll probably want to use your own as a lot of people will probably use the standard stuff.

CBMall gets an A+ with a big gold star. This is a great tool - just remember, you’ll need to spend time and some money to get it to work for you (just like any worthwhile business venture.)

Find out about more about CBMall here http://theebookstar.com/cbmall

Paul Heingarten is an entrepreneur, author and consultant. He owns several websites and has assisted business owners with website design and marketing. Take a look at his site http://www.theebookstar.com — a huge range of ebooks at reasonable prices.

There is a difference of opinion among canine experts as to whether bones should be given to a dog raw, cooked, hard, or soft, and even whether they should be given at all. On one point, however, there is total agreement, never give a dog splintering bones from chicken, pork, fowl, and rabbit, (although chicken bones that have been cooked in a pressure cooker until they are very soft can be quite nourishing and safe).

A marrow bone is the traditional symbol of a treat for a dog, and he obviously appreciates it. It may be too big and hard for small dogs. In fact, large breeds generally handle bones much better than small ones. Bones that are mostly cartilage, such as spinal and shoulder bones of veal, knuckle bones, and soft rib bones, are good chewing material that can be entirely consumed.

The real danger is intestinal compaction, especially in small dogs, if the masticated bone has not been mixed with other residue in the dog’s stomach. A small amount should cause no trouble if it is given right after a meal. Chop and steak bones are more dangerous. Careful eaters simply clean off the meat and fat, but greedy gobblers run the risk of internal injury from jagged bone splinters. The same is true of a leg of lamb bone.

What is the best policy to follow with a dog of your own? A teething puppy between four and six months of age should always have a bone, real or imitation, to chew on. You might give an adult dog a suitable bone as on occasional treat - for example, once a week. It will give him enormous pleasure, will help to keep his teeth clean and free from tartar, and will occupy him for several hours. But a nylon bone offers the same advantages without the risk!

Randy Jones and his partner Brent Jones have been in the pet industry for a long time. Recently they formed http://Joncopets.com.On the site, customers can shop for the latest dog collars and more for their best friend.

You’ve got it! That beautiful stallion or mare that is the perfect example of everything a horse of its breed should be. It’s got great conformation, a perfect temperament, and has performed well in its chosen discipline. You know this horse could benefit its breed by passing on its progeny.

You’ve made the decision to breed your horse.

So, now what? Do you follow the old adage and “breed the best to the best and hope for the best?”

Well, while that advice is actually tried-and-true, and certainly not the worst advice in the world, you are going to have to take a few extra steps to make sure the resulting foal is everything you hope it will be. Because the foal will be a blend of both the sire’s and the dam’s genetics, there are a few things to consider when choosing a good mate for your horse.

* Consider the goal of breeding your horse. In other words, what kind of horse are you breeding for? Do you want to produce a horse for dressage, hunting, cutting, reining, endurance, driving, or one of the other many disciplines? Knowing what kind of horse you want to produce will help you narrow the field as you consider mates for your horse.

* Look at your horse’s conformation. No horse is perfect! Take a good look at your horse, and make notes about his good points, as well as what needs improving. Now do the same to the mates you are considering. Eliminate any horse who have weak points in common with your horse, and lean toward those who correct your horse where he is weak.

* Consider the temperament of potential mates. A horse who is easy to work with is just as valuable as a horse with perfect conformation. Because disposition may be genetic, be sure to evaluate the mate’s personality. What kind of temperament are you looking for in the foal? Is the mate nervous or confident? Timid or bold? Calm or jumpy?

* Look at prior progeny. If the mate has other offspring, take a good look at them. Did the mate pass along its good traits to its progeny? Did any congenital defects crop up? You can investigate ancestry even further by contacting breeders with the same line. Did the dam, sire, and siblings of the mate you are considering produce successful individuals?

* Investigate the health of the mate. Is the mare or stallion in good health? Look for the normal things, like bright eyes, a shiny coat, and an alert expression. If the animal is under or overweight consider carefully, especially if it is a mare. Mares who are not in good body weight can sometimes have difficulty getting in foal. Make sure the horse is sound and moves correctly. Be wary of horses with injuries, as certain weaknesses can be passed to offspring. You should also make sure the horse has received good veterinary care, including regular deworming and current vaccinations.

* Do a breeding exam. A mare should always undergo a breeding exam before you commit. Maiden mares will need rectal and vaginal exams, while proven mares may need more extensive examinations.

* When you think you’ve decided, think again! That’s right. Before you sign any papers or contracts, make sure you know what breeding entails, including the costs involved. And always, always make sure you have a valid reason for breeding your horse. It is not something to be done lightly! In the end, if you’ve determined that your horse can contribute the betterment of the breed, you well understand what financial and health risks you’ll be up against, and you’ve found a good mate, go for it!

Ron Petracek is the founder of Equine Internets vast 15 site classified and social network. You can view its amazing size here Http://www.equineinternet.com/network.php or to further your equine habit please visit our forum by clicking here http://www.horsechitchat.com/equineforums and start posting Need to sell a horse or tack? place a free ad here http://www.click4equine.com and always the barn door in left open on purpose.

Little is known about the true origins of the Russian Blue cat. Some think Russian Blues are a natural breed originating in the Archangel Isles in northern Russia. It is thought Russian Blues were brought to England and northern Europe in the 1860s. What is known is that Russian Blues were first shown at the Crystal Palace in England in 1875 in competition, but were not recognized as a separate class of cat until 1912. Though Russian Blues were brought to American in the early 1900s, interest in the breed did not develop until after World War II.

Russian Blues have striking green eyes and an expression that makes it look as if they are always smiling. They have a solid slivery blue coat that is short and thick and feels silky. In fact, it is this legendary silkiness that caused Russian Blues to be hunted for the fur at one point. Some Russian Blues are born with ‘ghost stripes’ that fade by adulthood.

Their coats do not require much grooming, though Russian Blues do enjoy being groomed by their human companions. Described as shy (especially around strangers), Russian Blues are still excellent pets especially for people and families with busy lifestyles. Russian Blues do not require or crave much human contact and are able to entertain themselves for hours at a time. However, they are affectionate and loyal towards their families. In fact, Russian Blues have been described as sensitive to their families and will try to lighten up the mood of the house by entertaining those around if necessary. They are good with children and other family pets, but do startle easily and prefer to be handle gently. Russian Blues are prone to obesity so it is important to monitor their diet.

There is a website that has great information on Russian Blue and most other breeds of cats. It has details that pertain to a cat breeds health, grooming, living conditions, best food choices and more, the website is called: Dog And Cat Facts, and can be found at this url:

http://www.dogandcatfacts.com

By Robert W. Benjamin

Copyright © 2006

You may publish this article in your ezine, newsletter on your web site as long as it is reprinted in its entirety and without modification except for formatting needs or grammar corrections.

Robert W. Benjamin has been in the software business on the internet for over 5 years, and has been producing low-cost software for the past 25 years. He first released products on the AMIGA and C64 computer systems in the late 1970’s-80’s.

Traditional dog training was initially developed to train war dogs. It was very useful during World War I. This training technique was embraced by civilian trainers after World War II, and quickly became the standard way to train dogs.

It seems that Colonel Konrad Most was the founder of this technique and, therefore, he is acknowledged as the father of modern dog training.

However, the main supporter of the technique was William R. Koehler. His book “The Koehler Method of Dog Training” could be the all-time best selling publication in the field.

Modern scientific principles of learning were not used to develop traditional training, so it is an empirical technique. Nevertheless, it seems that Konrad Most already understood the principles of operant conditioning on 1910, several years before those principles were published. So, this technique can be explained by operant conditioning principles.

Negative reinforcement and punishment are the main teaching ways of traditional training.

Negative reinforcement is the process that strengthens a behavior because an unpleasant situation is stopped or avoided as a consequence of that particular behavior. For instance, pushing on your dog’s shoulders will provoke an unpleasant situation for him. If the pressure over his shoulders disappears when he lies down, he will be more likely to do the same in the future, just to avoid that unpleasant sensation. Thus, your dog will be learning to lie down through negative reinforcement.

Punishment, on the other hand, is an unpleasant consequence of a particular behavior. Although punishment could weaken a behavior, it is not a guarantee that this will happen. Besides, punishments usually have undesired collateral effects.

An example of punishment would be if you hit your dog or yell at him because he climbed on the armchair. As a consequence you may get your dog off of the armchair, but there is no guarantee that he won’t climb again. Some possible undesired consequences could be that your dog bites you, he gets scared each time you appear or he gets phobia to armchairs.

Choke chains, prong collars and shock (electric) collars are common tools in traditional training and all its variants. Also, this kind of training is usually targeted to dog obedience exercises, disregarding behavioral problems.

Advocates of this technique often argue that traditional training provides reliable results which can’t be obtained with other techniques. They also claim that training collars (choke, prong and shock) are harmless because dogs have a high threshold of pain.

Detractors of traditional dog training argue that both the technique and the tools are cruel and violent. They also claim that the technique can cause dangerous collateral effects, such as fear biting and damages to the dog’s trachea.

Rodrigo Trigosso is a biologist and professional dog trainer. His website http://www.dog-training-tutorial.com provides great info on canine training and behavior.