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A trusted online work friend of mine has written a book about working from home. She is very successful, and has greatly contributed to my success. It is called, “The No-Commute Paycheck”. Have a look – it’s filled with helpful and useful information, and worth every penny (and very reasonably priced, too!).
Click here to view more details
Wishing you all success!
One of the things we struggled with early on in this business were conversion rates. Although we had reached the point where we were getting a decent amount of traffic, we just weren’t making much money from all our hard work. Our earnings at the time were around $1000 a month and that’s not chicken feed by any…
Contracts to buy homes fall to a 7-month low
May 27, 2011, 11:11 a.m. EDT
Associated Press
Journal By Calvin Lee Ledsome Sr.,
Hello Reader, What Party Do You Want Running The US Government 2013? Selection Poll B.O.Page!
WASHINGTON (AP) — The number of people who signed contracts to buy homes fell sharply in April, hitting its lowest point since fall and renewing fears that a recovery in the housing market is far off.
An index of sales agreements for previously occupied homes sank 11.6 percent last month to a reading of 81.9, the National Association of Realtors said Friday.
A reading of 100 would be considered healthy.
The last time the index reached at least 100 was in April 2010.
That was the final month when people could qualify for a home-buying tax credit of up to $8,000.
Signings are still nearly 8 percent above June’s reading of 75.9, the lowest figure since the housing bust.
Contract signings are considered a reliable indicator of the housing market’s direction. That’s because there’s usually a one- to two-month lag between a sales contract and a completed deal.
But the Realtors group has noted a larger-than-usual number of contract cancellations in recent months. Some buyers have canceled purchases after appraisals showed that the homes were worth less than the buyers’ initial bids. A sale isn’t final until a mortgage is closed.
There “appears to have been a sudden arrest in willingness to commit to a home purchase,” said Pierre Ellis, a senior economist at Decision Economics.
“April sale closings came in noticeably less strong than March contract signings — hinting at mortgage problems,” Ellis said.
The Realtors group said Friday’s report “implies a slower-than-expected market recovery in upcoming months,” in light of rising oil prices, severe weather across the Midwest and South and a rise in applications for unemployment benefits.
Some analysts noted that recent natural disasters are causing a slowdown in construction. They point to the flooding Mississippi River, which has devastated homes and farmlands and closed factories; the tornado in Joplin, Mo., which has killed at least 132 people; and a tornado outbreak in April, which caused an estimated $8 billion in damage in Alabama and six other Southern states.
The Realtors index showed that contract signings were uneven across the country: They rose 1.7 percent in the Northeast but dropped 8.9 percent in the West, 10.4 percent in the Midwest and 17.2 percent in the South.
High unemployment, tighter credit and a lingering fear that home prices have yet to hit bottom are preventing many Americans from buying homes. That’s true despite super-low mortgage rates and home prices that are falling in some areas to their lowest points in a decade.
Overhanging the entire housing sector are waves of foreclosures. They are forcing down home prices.
Economists say it could be several years before the nation’s housing market recovers. Sales of previously occupied homes fell last year to their lowest level in 13 years.
This year is shaping up to be equally bleak. The number of purchases is running at just half the pace of 1963 — even though there are 120 million more people in the United States now.
A reading of 100 indicates the average level of sales activity in 2001, when the index was created. The reading exceeded the 100 threshold from March 2003 to April 2007, before sinking as the country fell into a deep recession.
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Calvin Ledsome Sr.,
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Filed under: Housing market, United States Tagged: Associated Press, Contract, Midwestern United States, Mississippi River, Mortgage loan, National Association of Realtors, Real estate economics, United State 
| Treasurys prices rise on weaker economic data May 26, 2011, 4:21 p.m. EDT Associated Press Journal By Calvin Lee Ledsome Sr., Hello Reader, What Party Do You Want Running The US Government 2013? Selection Poll B.O.Page!
The price of the 10-year Treasury note rose 62.5 cents per $100 invested in late trading. Its yield, which moves in the opposite direction to the price, fell to 3.06 percent from 3.13 percent late Wednesday. It was the lowest level for the 10-year yield in a year. The yield is used as benchmark on a wide variety of loans for businesses and consumers including home mortgages. The government reported that more people applied for unemployment benefits last week, the first increase in three weeks. Analysts had expected a drop. The government also said that the U.S. economy grew at a relatively sluggish rate of 1.8 percent in the January-March quarter, due partly to a spike in gas prices above $4 a gallon. Economists had forecast an upward revision to 2.2 percent. Traders tend to buy Treasurys when economic growth appears to be losing momentum. The Treasury Department also auctioned off $29 billion in seven-year notes at a yield of 2.43 percent, the lowest yield of the year. Investors placed bids for 3.24 times the amount offered, higher than the previous four auctions this year. The yield of the seven-year note was 2.36 percent late Thursday. In other trading, the price of the 30-year bond rose $1.03 per $100 invested, while its yield fell to 4.22 percent from 4.27 percent late Wednesday. The yield on the two-year note slipped to 0.50 percent from 0.54 percent. _________________________________________________________ Video Section:  
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Filed under: Treasury Department, Treasury Secretary, United State, United States economy Tagged: Associated Press, Eastern Time Zone, Federal government of the United States, Late trading, New York City, Treasury Department, United States Department of the Treasury, United States Treasury security 
| G-8 leaders to marshal support for Arab nations May 25, 2011, 9:57 a.m. EDT Associated Press Journal By Calvin Lee Ledsome Sr., Hello Reader, What Party Do You Want Running The US Government 2013? Selection Poll B.O.Page!
President Barack Obama and the other leaders will seek to marshal their combined economic might behind the grass-roots democracy movements that have swept the Arab world — and driven away tourists and investors. Egypt and Tunisia, where popular revolts this year overthrew authoritarian regimes, want to show G-8 leaders and international financiers that they are still sound investment destinations — which might be a tall order as the future shape and policies of their governments remains unclear. The discussions starting Thursday in the chic Normandy resort of Deauville will see the host, French President Nicolas Sarkozy, bring together the heads of wealthy nations for what one of Sarkozy’s top advisers describes as “the founding moment” of a partnership between the G-8 and the Arab countries. That partnership may be strained, however, by tensions over how to handle Libya’s rebel movement and entrenched leader Moammar Gadhafi. NATO appears to have no exit strategy, and efforts to oust Gadhafi remain elusive. The leaders of the U.S., Canada, Britain, Germany, France, Japan, Italy and Russia will greet counterparts from Tunisia, Egypt and the head of the Arab League to hash out details of what some are calling a new “Marshall Plan” for these countries, similar to the massive U.S. aid to Europe after World War II that helped the continent rebuild and stave off communism. The historic parallel is fitting, as Deauville is just a short drive along the English Channel from the D-Day landing beaches where the U.S. and its allies began to roll back the Third Reich in 1944. A top Sarkozy official drew another historical analogy, saying the aid and investment to be promised to the Arab nations would resemble that which the G-8 offered to Eastern and Central European nations after the collapse of communism in 1989. Last week President Barack Obama said the U.S. has asked the World Bank and the International Monetary Fund to present a plan at the G-8 summit that sets a path to stabilize and modernize the economies of Tunisia and Egypt. The U.S. will forgive up to $1 billion in Egyptian debt and guarantee another $1 billion to finance infrastructure and new jobs. Obama said he will ask Congress to finance enterprise funds that will provide money for investment in both countries — a request that comes as Congress seeks to cut spending. Tunisia, followed by Egypt, kicked off change around the Arab world, as broad-based popular movements took to the streets demanding greater rights and political representation from their authoritarian governments. But the street demonstrations in Cairo and Tunis that thrilled and inspired the Arab world also drove away the tourists and investors on which these economies are heavily dependent. “The first thing they will be looking for is direct financial aid,” said Said Hirsh, a Middle East economist with Capital Economics consultancy in London. “Both countries need quite a lot of money considering the hit to their economies and their revenues.” While U.S. officials say G-8 countries will discuss their role in the process, they say it is too soon to reach a deal on dollar amounts for assistance. The European Bank for Reconstruction and Development, a London-based institution set up in 1991 to foster transition to market economies in post-communist Europe, could be “repurposed” to focus its expertise on the southern Mediterranean region, a top official in Sarkozy’s office said, speaking on condition of anonymity because of protocol. The heads of the World Bank and the United Nations will also be present and add their signatures to the partnership declaration. Former IMF chief Dominique Strauss-Kahn, under house arrest in New York following his indictment for sexual assault, will be replaced for the event by the institution’s acting managing director John Lipsky. Finding a permanent replacement for Strauss-Kahn is likely to take up a good part of the summiteers’ small talk. Nuclear safety will be another topic, with Japanese Prime Minister Naoto Kan scheduled to provide leaders with an update on the continuing crisis at the Fukushima Dai-ichi nuclear power plant. The future of the Internet will also figure in the G-8 leaders’ talks. Mark Zuckerberg of Facebook and Eric Schmidt of Google and other Internet executives took part in two days of debates focused broadly on the Internet’s impact on the global economy. Several of the Internet conference’s speakers will then take policy recommendations to Deauville in talks with the G-8 leaders. Police have established one security cordon around the conference center where the leaders are meeting, and another perimeter encompassing all of Deauville. Local ports, train stations and the airport will be shut from Wednesday to Friday, and a no-fly zone enforced over the town. The show of force may have discouraged radicals and other protesters from attempting to organize demonstrations close to the summit. Anti-G8 protesters plan symbolic demonstrations in the neighboring towns of Caen and Le Havre, but they do not plan to try to disrupt the event in Deauville itself, according to a statement circulated by radical groups online. ___ Associated Press writers Julie Pace in Washington, D.C., Geir Moulson in Berlin, Charmaine Noronha in Toronto, David Stringer in London and Paul Schemm in Rabat, Morocco contributed to this report. Greg Keller can be reached at http://twitter.com/Greg_Keller _________________________________________________________ Video Section: 
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Filed under: Arab League, Arab World, Britain, Canada, European nations, France, French President Nicolas Sarkozy, Germany, Group of Eight, Italy, Japan, Libya, London, Middle East, Middle East News, Mideast, Moammar Gadhafi, NATO, President Barack Obama, Russia, United States, US, World Economy 
| US stock futures edge up after steep declines May 24, 2011, 8:44 a.m. EDT Associated Press Journal By Calvin Lee Ledsome Sr., Hello Reader, What Party Do You Want Running The US Government 2013? Selection Poll B.O.Page! NEW YORK (AP) — Stock futures rose Tuesday, a day after fears about European debt sparked steep declines in financial markets around the world. Ahead of the opening bell, Dow Jones industrial average futures are up 39, or 0.3 percent, at 12,401. Standard & Poor’s 500 futures are up 5, or 0.4 percent, at 1,319. Nasdaq 100 futures are up 7, or 0.3, at 2,322. The modest advance in futures trading came despite more troubling news about the state of European debt management. Greece‘s main opposition party said it opposed the government’s new austerity measures. The announcement dashed hopes that the country might be able to repair its finances enough to get another loan package from the International Monetary Fund. Ratings agency Moody’s warned that a Greek restructuring of its debt would constitute a default. Moody’s said such a move would hurt the credit ratings of Greece and other debt-laden European countries. The ratings agency also said it would review 14 British financial institutions for a possible downgrade. Nonetheless, European stocks recovered Tuesday after Monday’s declines. The FTSE 100 index of leading British shares rose 0.4 percent in midday trading. Germany’s DAX rose 0.7 percent and the CAC-40 in France was 0.2 percent higher. The euro also rose slightly against the dollar after falling to a two-month low Monday. In economic news, the Commerce Department is expected to report at 10 a.m. Eastern on how many new homes were bought in April, offering traders a glimpse at the housing market. Analysts expect sales to have been roughly flat, rising slightly to an annual rate of 303,000 from 300,000 in March. That is still far below the 700,000 in annual sales seen as representing a healthy market. New homes are unappealing to budget-conscious families because their median price is nearly 31 percent higher than previously-occupied homes. That’s twice the price difference typical of a healthy economy. At their current rate, new-home sales are on track to experience a sixth straight year of declines. The Dow fell as much as 180 points Monday before paring back some of its losses after Greece, Italy and Spain suffered weekend setbacks in their attempts to control their debt. The Dow fell 130.78 points, or 1 percent, to close at 12,381.26.The S&P 500 index lost 15.90, or 1.2 percent, to 1,317.37. The Nasdaq dropped 44.42, or 1.6 percent, to 2,758.90. _________________________________________________________ Video Section:  
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Filed under: AP analysis, Dow Jones industrial average, Economic News, Economy, Europe, European stocks, France economy, Greece, Greece economy, International Monetary Fund., Nasdaq composite index, S&P 500, United States Tagged: Associated Press, Dow Jones Industrial Average, FTSE 100 index, Greece, International Monetary Fund, Moody’s, S&P 500, United States 
What are the most important things to consider before you venture into a new online business? Is it the technical know-how? Or perhaps it’s the traffic strategies?
In today’s blog, I’ll give you a checklist that you can refer to whenever you want to start a new online business.
1) Is the market easily targetable?
Before you do anything, you need to make sure that the market you are trying to get into is targetable. What I mean is your prospects should belong to a community that you can easily locate. This is important because when your business is launched, you need to know where to look for your customers.
This may seem common sense, but in reality, many netpreneurs believe that their product targets everybody. As a result, they advertise everywhere and have no idea why the traffic doesn’t convert.
2) Is there a problem in the market you’re targeting and does your product address to that problem?
In most cases, a business idea is generated when the founder faces a problem that he fails to find a good solution in the market. If this describes the cause of your business idea, then congratulations, as you’ve found THAT problem.
However, if you have no idea what problem your business is solving, you really have to think of one and sell that idea as a problem. Otherwise, you are going to have a hard time convincing people to buy your product.
3) Is your product unique in the market?
To me, this is the most important point before I take action on any business idea.
If you have studied marketing, you may recall the term USP, which stands for Unique Selling Proposition. A good USP is one that not only provides a solution to the problem in Point 2 but one that is unique.
You don’t have to be Einstein to create a unique product. A product can be unique by simply combining two or more ideas into one, or it can be an idea that exists in some part of the world but not found in your territory or country. Or it can even be a cheaper way of providing the same solution and the low price itself can be the uniqueness.
No one can tell you if one USP is more profitable than another. This is where your vision comes into play.
4) Is there a viral component to your business model?
If you think getting traffic is tough, that’s because there isn’t a viral component to your business model. If all the traffic has to be generated by you personally, it’s just a matter of time before you give up internet marketing.
To truly understand the meaning of viral, look at Facebook. While most people think Facebook is doing the world a favor, by providing a good platform for people to connect, in actual fact, the world is actually doing Facebook a favor, as every Facebook user is a free promoter of Facebook, helping Facebook to expand its user base.
Viral components can include many things, from having an affiliate program to providing viral tools. However, the best form of viral component is a system that can easily convert your users into your affiliates, without them having to intentionally promote your website. This means the more they use your product or service to benefit themselves, the more they promote you!
5) Do you have a traffic retention strategy?
Getting traffic is easy, keeping the traffic is harder, converting the traffic into sales is the hardest. A good traffic retention strategy will help you keep the traffic that comes to your website, so that you not only have more chance to convert the traffic into sales, but also have more people promoting your website, if you’ve done the right thing.
The most common form of traffic retention strategy is getting people to optin by giving away freebies. As I said, this is the most common form but with more and more marketers using such trick, you need to be more innovative than that in order to stand out from the rest.
6) Do you have an automatic sales conversion strategy?
People need to be reminded to buy from you. If you need to do this manually, both you and your prospects will get sick and tired of it. Instead, what you should do is to think of a subtle sales conversion strategy that is always reminding your prospects that there is something better waiting for them.
Imagine a person who needs to get from point A to B everyday. He can either get there on foot or take your taxi. It will be annoying if you were to approach this person everyday. Instead you just have to make sure that he sees you everyday and he knows about your offer. One day, when he sees the value of your service, he will buy.
7) Is the need for your product long-lived?
If you sell something that people will only need to use once, you will have to find a new prospect after every sale. That is tedious.
On the other hand, if your product can service a person for live, like an insurance policy, you are going to have recurring income from every sale you make.
Another way of looking at ‘long-lived’ is are you selling a fad? A fad is something that suddenly bursts into a full buying frenzy and then, just as quickly, fizzle out. If you are selling a fad, you may be making some quick money but such income is not lasting. Soon you will be back to square one and you have to start all over again.
Is the operation of your business self-running?
How much time will it take for you to keep that business running? If the running of your business requires a lot involvement from you, it means this business is going to keep you so busy that you may have no time to expand the business or explore other business and investment opportunities.
As a basic principle, you should spend most of your time growing your business or establishing other businesses, not running the business.
Of course, no business is 100% self-running. If most processes can be automated or can easily be outsourced, that business is worth exploring.
Let me give you an example of what I mean by running a business. Say if you run a membership site that provides new video tutorials every month, you will have to spend time preparing the videos. You can outsource, provided that the outsource personnel can do an equally good job, and the business is profitable enough for you to engage that person.
However, there is an interesting twist. If you are indeed in such a situation, you can turn the ‘maintenance work’ into a growth opportunity. For example, you can turn your videos into a MRR (Master Resale Right) product and allow your customers to sell or bundle it with other products. This way, the same videos suddenly become a viral tool that will bring you more traffic. You can also produce videos based on interviews with other marketing gurus. This way, you are growing your affiliate network while at the same time delivering good values to your customers.
9) Is your business building an asset?
Most people do business to make money. But that’s not enough. In addition to making money, you have to make sure that your business is building an asset other than money. An asset can be a collection of websites, which the guru call virtual property, or it can be a network, which can be in the form of a subscriber list or a network of affiliates, or you may be building an infrastructure that you can use for your future businesses.
Looking beyond money and focusing on building assets is the way to ensuring that your online venture is a lasting one. Whether your current business is going to survive tomorrow or not, you know that you are sure to win because the asset that has been built is going to benefit you no matter what.
| AP-GfK Poll: Medicare doesn’t have to be cut May 23, 2011, 7:02 a.m. EDT Associated Press Journal By Calvin Lee Ledsome Sr., Hello Reader, What Party Do You Want Running The US Government 2013? Selection Poll B.O.Page! WASHINGTON (AP) — They’re not buying it. Most Americans say they don’t believe Medicare has to be cut to balance the federal budget, and ditto for Social Security, a new poll shows. The Associated Press-GfK poll suggests that arguments for overhauling the massive benefit programs to pare government debt have failed to sway the public. The debate is unlikely to be resolved before next year’s elections for president and Congress. Americans worry about the future of the retirement safety net, the poll found, and 3 out of 5 say the two programs are vital to their basic financial security as they age. That helps explain why the Republican Medicare privatization plan flopped, and why President Barack Obama’s Medicare cuts to finance his health care law contributed to Democrats losing control of the House in last year’s elections. Medicare seems to be turning into the new third rail of politics. “I’m pretty confident Medicare will be there, because there would be a rebellion among voters,” said Nicholas Read, 67, a retired teacher who lives near Buffalo, N.Y. “Republicans only got a hint of that this year. They got burned. They touched the hot stove.” Combined, Social Security and Medicare account for about a third of government spending, a share that will only grow. Economic experts say the cost of retirement programs for an aging society is the most serious budget problem facing the nation. The trustees who oversee Social Security and Medicare recently warned the programs are “not sustainable” over the long run under current financing. Nearly every solution for Social Security is politically toxic, because the choices involve cutting benefits or raising taxes. Medicare is even harder to fix because the cost of modern medicine is going up faster than the overall cost of living, outpacing economic growth as well as tax revenues. “Medicare is an incredibly complex area,” said former Sen. Judd Gregg, R-N.H., who used to chair the Budget Committee. “It’s a matrix that is almost incomprehensible. Unlike Social Security, which has four or five moving parts, Medicare has hundreds of thousands. There is no single approach to Medicare, whereas with Social Security everyone knows where the problem is.” That’s not what the public sees, however. “It’s more a matter of bungling, and lack of oversight, and waste and fraud, and padding of the bureaucracy,” said Carolyn Rodgers, who lives near Memphis, Tenn., and is still working as a legal assistant at 74. “There is no reason why even Medicare, if it had been handled right, couldn’t have been solvent.” In the poll, 54 percent said it’s possible to balance the budget without cutting spending for Medicare, and 59 percent said the same about Social Security. Taking both programs together, 48 percent said the government could balance the budget without cutting either one. Democrats and political independents were far more likely than Republicans to say that neither program will have to be cut. The recession cost millions their jobs and sent retirement savings accounts into a nosedive. It may also have underscored the value of government programs. Social Security kept sending monthly benefits to 55 million recipients, like clockwork; Medicare went on paying for everything from wheelchairs to heart operations. Overall, 70 percent in the poll said Social Security is “extremely” or “very” important to their financial security in retirement, and 72 percent said so for Medicare. Sixty-two percent said that both programs are extremely or very important. The sentiment was a lot stronger among the elderly. Eighty-four percent of those 65 or older said both programs are central to their financial security. Compare that to adults under 30, just starting out. Just under half, or 46 percent, said they believed both Social Security and Medicare would be extremely or very important to their financial security in retirement. Old, middle-aged or just entering the workforce, most people are keenly aware of the cost of health care, and that may be helping to focus more attention on Medicare. “Health insurance these days is very costly, and it’s not something that most people can afford to go out and buy on their own,” said Tim Messner, 38, a technology quality assurance analyst from Barberton, Ohio. “I don’t know that we could possibly plan ahead for medical insurance, but if you had to replace Social Security or investments, you at least have an idea of what you can live on.” Numbers tell the story. As health care goes up, the value of Medicare benefits is catching up to Social Security’s. A two-earner couple with average wages retiring in 1980 would have expected to receive health care worth $132,000 through Medicare over their remaining lifetimes, and $446,000, or about three times more, in Social Security payments. For a similar couple who retired last year, the Medicare benefit will be worth $343,000, compared to Social Security payments totaling $539,000, less than twice as much. The numbers, from economists at the nonpartisan Urban Institute, are adjusted for inflation to allow direct comparison. For low-income single retirees and some couples, the value of expected Medicare benefits already exceeds that of Social Security. The poll found a deep current of pessimism about the future of Social Security and Medicare. As much as Americans say the programs are indispensable, only 35 percent say it’s extremely or very likely that Social Security will be there to pay benefits through their entire retirement. For Medicare, it was 36 percent. Again, there’s a sharp difference between what the public believes and what experts say. Most experts say the programs will be there for generations to come. But they may look very different than they do today, and Americans should take note. “Do they have a basis for worrying that these programs are going to pay them much less than they’re currently promising?” asked economist Charles Blahous. “Yes, absolutely. Do they have a basis for being concerned that the programs may have to be structurally changed in order to survive? The answer to that is yes, too.” A trustee of Social Security and Medicare, Blahous served as an economic adviser to President George W. Bush. Republican lawmakers don’t inspire much confidence right now when it comes to dealing with retirement programs, the poll found. Democrats have the advantage as the party more trusted to do a better job handling Social Security by 52 percent to 34 percent, and Medicare by 54 percent to 33 percent. Often, but not always, major revisions have been accomplished through bipartisan compromise. Sue DeSantis, 61, a store clerk from West Milton, Ohio, worries she won’t be able to rely on either program. Both are important to her well-being, but she thinks changes are inevitable. And she has little confidence in lawmakers. “I don’t put my faith in politicians, and I don’t put my faith in the government,” said DeSantis. “I’m a Christian. I believe that God will take care of me. That doesn’t mean I should be foolish and not look at anything, but I don’t believe that the politicians are necessarily going to do the best for the common ordinary person like myself.” The Associated Press-GfK poll was conducted May 5-9, 2011, by GfK Roper Public Affairs & Corporate Communications. It involved landline and cell phone interviews with 1,001 adults nationwide and has a margin of sampling error of plus or minus 4.2 percentage points. ____ Associated Press Polling Director Trevor Tompson, Deputy Director Jennifer Agiesta and AP News Survey Specialist Dennis Junius contributed to this report. ____ Online: Poll results: http://www.ap-gfkpoll.com _________________________________________________________ Video Section:     
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Calvin Ledsome Sr., Owner and Founder of: |
Filed under: American, Americans, AP-GfK poll, Budget Committee, Economic experts, GfK Roper Public Affairs & Corporate Communications, Healthcare, Medi-care, Political news, President Barack Obama, President George W. Bush, Recession news, Social Security Fund, U.S. economic, United States, United States economy Tagged: Associated Press, Barack Obama, Carolyn Rodgers, Charles Blahous, George W. Bush, GfK, Medicare, Nicholas Read, Quality control, Social Security, United States 
Market Samurai is a keyword research and search engine optimization tool. It can be downloaded as a free trial or a paid version from Market Samurai. The Market Samurai program includes modules for Keyword Research, SEO Competition analysis, domains, monetization, finding and publishing content, promoting a site, and a rank tracker. The price… Read more