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Bills.com Offers Powerful Information to Master Personal Finance

SAN MATEO, Calif. (PRWeb) January 10, 2007 — Last year, Bills.com co-founders and co-CEOs Andrew Housser and Brad Stroh offered more than 200 tips to help consumers manage personal finance issues, and they are making those tips available to interested media parties via a list of topics this month.

“Education is a powerful tool when it comes to taking charge of personal finances,” Housser said. “We would like to remind consumers and media professionals alike that Bills.com is a consumer information portal designed to help individuals master their money to reach their personal goals.”

In addition to the news release tips, Bills.com offers a free consumer guide, “Debt Freedom: You Can Be Debt-Free, Starting Today.” The guide is available electronically in PDF format by visiting www.bills.com/guide.

The news releases are available online via Bills.com’s media room at http://www.bills.com/news_releases/. To request more information on any of the topics below, or to arrange an interview with Housser or Stroh, contact Aimee Bennett at (303) 843-9840 or via e-mail. Members of the media who have requests or ideas for tips on additional topics can also contact Bennett.

Consumer Finance Topics Available

Consumer debt
1. The Four Flavors of Healthy Debt
2. 4 Steps to Make the Most of Your Student Loans
3. Level the Playing Field With Collections Agencies for Fair Debt Payment
4. Back-to-School Season Means Hitting the Books - for Smart Ways to Borrow
5. Hone Your Debt Consolidation Savvy
6. Crash Course in Credit Scores
7. Understanding — and Avoiding — Credit Denials

Credit card debt
8. Expert Available to Discuss Increase of Minimum Payments on Credit Cards
9. 6 Steps to Begin Digging Out of Credit Card Debt

Credit counseling
10. IRS Credit-Counseling Investigation Advances, Strips Tax-Exempt Status From 50 Percent of Industry
11. Experts Available to Discuss IRS Crackdown on Credit Counseling Industry
12. 8 Ways to Spot a Credit-Counseling Scam

Bankruptcy
13. Expert Source Available to Discuss Bankruptcy Bill
14. Screws Tighten for U.S. Credit Card Borrowers With Higher Payments, Rising Rates, Bankruptcy Reform

Holiday spending, post-holiday debt
15. 5 Ways to Avoid Holiday Overindulgence
16. Six Ways Not to Overindulge in a Post-Thanksgiving Spending Spree
17. After Holiday Spending Craze, Consumers Can Refocus Spending
18. Holidays Timely for Personal Financial Checkup

Home finance
19. $360 Billion of Mortgage Debt at Risk of Foreclosure Among U.S. Homeowners
20. Home Loan Tips: Avoid Mortgage Troubles, Other Pangs of Rising Interest Rates
21. When Second Mortgages Make Sense
22. Is Now the Time to Refinance?
23. Reverse Mortgage Basics
24. Loan-to-Value: The Key to Getting the House You Want
25. ‘Is My House in a Bubble?’ Avoiding Foreclosure in Today’s ‘Bubbly’ Market
26. More Americans Refinance Homes to Pay Existing Debt — But Should They?

Insurance and health care
27. Choosing the Best Type of Health Plan for Your Budget
28. Insurance 101: The Basics Explained
29. How to Take a Scalpel to Medical Costs

Taxes
30. Don’t Delay in Managing IRS Tax Debt
31. Halftime for Tax Year 2005: Estimated Tax Deadline Looms on Sept. 15

General personal finance
32. Keep Spending Down as Temps Climb
33. This Year, Resolve to Clean Your Financial House
34. Experts Available to Discuss National Financial Literacy Month
35. Financial Literacy ABCs
36. The Feminine Financial Mystique: How Every Woman Must Take Control of Her Finances
37. Feast-or-Famine Budgeting: Savings 101 for Consultants, Freelancers, Artists and the Self-Employed

Based in San Mateo, Calif., Bills.com is a free one-stop online portal where consumers can educate themselves about complex personal finance issues and save money by choosing the best-value products and services. Since 2002, Bills.com and its partner company, Freedom Financial Network, have served more than 10,000 customers nationwide while managing more than $350 million in consumer debt. The company’s co-founders and CEOs, Andrew Housser and Brad Stroh, were named Northern California finalists in Ernst & Young’s 2006 Entrepreneur of the Year Awards.

Private Label Rights - PLRspot.com

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The Rubicon Project - A Tool for The Internet Advertising Community

Last night i stumbled across a new Advertising solution. It is in private beta, you need to be reviewed and invited. Anyway, its called the Rubicon Project. It really seems to be a pretty cool advertising solution.
Basically from what i read and seem in a short movie clip was that it searches for the best paying advertising opportunities for your website, based on demographics and geographical info. It looks to have 300+ advertisers, most of what we already use.
I signed up for an opportunity and also in there forum. This is definitely a tool of the future, in beta now. I would encourage anyone with ads on there blogs or sites to sign up for this or check out the site. Rubicon also looks like it gives you options to set up accounts by yourself or they (the network) does it for you and can conveniently pay you in one check from all the advertisers. But the real value is it optimizes your site with the ads the will make YOU the most money.
There headline reads: Automatically Optimize you Ad Space. Make Mad Cash from Ads on your Website.
All i have to say is, wow, what a tool for publishers. So go and apply for the opportunity to use this and offer any feedback.

Regards,
SAL MAGGIO

SEOlogs.com - A great place for resources - And a Contender with MyBlogLog.com contest

I am really kinda new to the Blog World. Really until the last six months have just bought tons of domains and worked with a couple people getting some sites developed.

But about six months ago i joined a forum, dnScoop.com and spent time getting to know some people and yes, buying domains. But i really learned alot from some pretty young people in the forum. Its a pretty tight nit forum, very resourceful, and not loaded with a bunch of spammers, which i am realizing myself what a headache that can be.

Anyway, i see the guy running the forum, Badi Jones, has a pretty impressive background, to me anyway. And found several other sites he has, one of them being SEOlogs.com . I gotta tell you, it is a massively resourceful sight. It really is a great place for the learning webmaster also. Badi seems to be one guy who doesnt try to sell a bunch of bull, he indicated may times over how a lot of this SEO stuff is also alot of OPINIONS. So suggests keeping an open mind about things. And indicates for noobees that there are not magic spells and what not for SEO. Just do your homework and things should fall into place.

Anywho, i am now on mybloglog.com and have become involved with a number of other Bloggers and tons of even more resources.

Well i really have to than Badi for that, i think it was a suggestion of his in one of his posts on dnScoop.com a while back.

But more importantly MyBlogLog.com is having a competion for ” THE MYBLOGLOG Become A PRroBlogger Contest” And Badi’s site, SEOlogs.com has grown tremendously in the contest. I believe he is in 4th Place now. I would highly recommend anyone to get involved on MyBlogLog.com and more importantly to vote for SEOlogs.com f you visit his site, you will truly understand, and even become a reader thru rss as well. Most of the time i get tons of value from his site with all the great information in it.

Anyway Badi, I wish you tons of luck to winning in the contest. You are definitely among the few who are very good at what you do !

Regards,

SAL MAGGIO

Bangladesh Cyclone - I Can Feel it in NJ - II

Wow, i heard from Istiak Shams this afternoon. I am so freaking happy my friend is alive. !

And all this time i think he has been running around clutching his laptop under his arm. LOL. I guess nothing will stand between his computer and him.

This has truly made my day. I wake up late in the afternoon to see a buzz on my yahoo i.m. lol. I really thought after all the devestation i see in Bangladesh i would never hear from him again.

And all he has to talk about is other ideas for plans we were working on. What a die hard. I guess some prayers do get answered. THANK YOU, and welcome back into my world Isti !

Regards,

SAL

AND I JUST NOTICED HIS LETTER TO ME FROM BANGLADESH:

Dear Sal,

First of all me and my family are safe. Thanx a lot from my heart for your kind concern about me.

Now, the cyclone actually didn’t direct hit Dhaka but it hit our main national power grid so almost the whole country went under blackout. Also because of high wind most of the power/electric polls was broken down. So it took time to bring back the power. Also the local lan system/Dish TV Cable connection/telephone connections were broken. Its a total mess. Though the cyclone didnt affect us physically but we went totally communication less. I just couldnt think of such a stupid situation in this 20th century. Anyway, God Almighty Saved us.

I was also anxious that you will be tensed about me but i had no way to contact u. Thanx man. thanx a lot that you took it so deeply.

Right now the local lan system is connected and i am writing you the mail. I tried to complete a few tasks.

Also i am looking for better and bigger network. So I will catch u soon at yahoo to talk about it.

ahh i forgot to ask, how r u ? hope you are fine and having fun in life… soon we will talk.

thanx once again

take care

isti

Bangladesh Cyclone - I Can Feel it in NJ

I spent the last day trying to contact one of my new friends, Istiak Shams, a guy i am working with on developing sites and who has helped me reorganize some of my internet stuff after i lost many sites from my last server crash, and even gave me part of his server to help me thru this ordeal. I sent emails to him several times and was really surprised i hadn’t seen him on Yahoo. That was kind of odd, because we had been spending a real lot of time online, and he is just, always there for me.

Well then i hear about the Cyclone hitting Bangladesh. I have been so distraught all day after finding out about this. I am so sad to hear about this, because Isti lives in Dhaka, Bangladesh where the worst damage is reported. I really am praying that he and his family are ok and ask others do also. I really hope to hear from him soon.

I don’t think i have ever made an International Phone call, but i did today. I Tried his home and cell phone that i really just happen to have his numbers from his info posted on a money transfer i sent. Unfortunately there was no answer.

Its funny, i am arrogant and sometimes just don’t give a crap about much, but i developed such a great friendship with this guy over the last month or so, and this devastation which he is in just really bothers me. After probably searching for the last couple years for the right kind of co-worker/partner, online, Isti was that person. And i actually told him that after the first day or so working with him. Wow, well right now all i can do is pray he is ok, and i am the furthest from a praying person.

I am in NJ and have a pretty nice life, and could not imagine the devastation he is going through.

I know this is off beat from this websites topic, but just felt the need to write about him, and chose to do it here.

Anyway, i hope to hear from him soon.

Regards,

SAL

I have posted some donation and information links below:

http://www.directrelief.org/EmergencyResponse/2007/CycloneSidrBangladesh/CycloneSidrBangladesh.aspx?gclid=CI2N6Ma3448CFSBMGgodgl8UCghttp://www.care.org/BANGLADESH

http://www.worldvision.org/Worldvision/eappeal.nsf/egift_cyclone_relief_bgh?OpenForm&campaign=11365552&cmp=KNC-11365552

http://www.ifrc.org/index.asp?gclid=CMvw2pe4448CFQp_Hgodfg3DZQ

http://plancanada.ca/NetCommunity/Page.aspx?pid=753&srcid=273&gclid=CJW-xKi4448CFRGoGgodB0gpDA

http://www.reliefweb.int/rw/RWB.NSF/db900SID/AMMF-78ZJ2Z?OpenDocument

http://query.nytimes.com/gst/fullpage.html?res=9D0CE7DB1F31F931A25756C0A967958260

Mike Cheney’s AdSense-Videos

Interview
with Michael Cheney from AdSense-Videos

Q. So what made
you get started with AdSense?

A. I
was looking for a way to monetize some of my websites. AdSense
is such an easy thing to get started with the eye for it would
be a great way to start earning more money without actually putting
into much more effort. I think as soon as you see the first earnings
coming into your account you get addicted to AdSense. I know is
what happened to me and since then I’ve just spent time working
out how to earn more and more each day.

Q. How much do
you make with AdSense
?

A. Some days I can earn
close to $1000 and others it’s less than that. But it all comes
down to how much time and effort you devote to creating a quality
site that people like visiting. AdSense is not what my business
is based on by any means - but it is a great way to earn revenue
almost on autopilot.

Q. What is the
biggest mistake people making with AdSense?

A. Probably
the biggest mistake people make is thinking the AdSense earnings
are easy to achieve. It is very easy to get started but as I learned
it takes a lot of effort to increase your earnings. I got really
downhearted whenever I would log in to my account to see that
I had only made a few dollars. And that’s when I decided to spend
months and months of my time learning everything I could about
AdSense.

I basically buried myself
away and devoured every single piece of AdSense information I
could find. I ran thousands of AdSense tests and started to see
a dramatic effect on my click through ratio and therefore on my
earnings.

This is why I’d decided
to record the videos - because I knew that it would help people
who were in my position to also increase their earnings. I’ve
read an absolute ton of AdSense e-book’s but they take so long
to go through and always seem to keep information back.

With AdSense Videos I
knew that I had to tell the story exactly as it is and actually
show people and lead them by the hand through the exact techniques
that I use to generate large earnings from AdSense.

Q. In your videos
you show people how to increase their AdSense earnings - can you
give us a taster of this advice?

A. I
don’t want to give away my biggest secrets as you can understand!
But some of the more basic things that you can do to increase
your revenues include using ads that blend in rather than stand
out from your content. Flat out the worst thing you can do with
an AdSense ad is make it look like the standard Google ad. What
you need to realise is that you will get more clicks if your ad
actually appears part of your site rather than something that’s
just been dropped into the page.

Q. What would
you recommend that someone do right now to increase their AdSense
earnings?

A. I’ve
created a totally free AdSense minicourse that people can go through
to learn some of my techniques. It takes you through the four
cornerstone principles that I’ve used to build up my AdSense empire.
You can check it out, as well as all the AdSense Videos, here:

AdSense-Videos

Click Here!


New Free eBook Download Box in-place

Well, I noted a week or 2 ago after we got back online that we were adding a block for eBook downloads. Its been up for 2-3 days now. There are several eBooks available at this time.

Please take the opportunity to check some of them out. What we have listed at this time are free for download in zip file. Enjoy, these are many helpful books to read.

We will be continually adding ebooks for Free Downloads, so please return and check out what else is available often.

I hope you can take advantage of these. There are always some great ideas and most are based on the many categories we have listed here on CashBulge.com

Once you click over to the download page and register you will be able to select your eBook of choice. Each visit after that, just sign in on the download page.

Enjoy !


Bush vetoes $10bn increase in health/education budget, signs $40bn increase in Pentagon budget

Bush vetoes $10bn increase in health/education budget, signs $40bn increase in Pentagon budget
by John Aravosis (DC)

Bush is vetoing bills that would add money to health and education, claiming America just can’t afford to spend the money, but he has no problem signing bills that spend four times as much money on the Pentagon. Bush just asked for another $200 billion for his wars in Iraq and Afghanistan, but he can’t/won’t spend another $10 billion on health and education programs for Americans since, according to him, $10 billion spent on Americans is an obscenely high figure. I just refuse to believe that this kind of thing polls well for the Republicans at all. People are sick of this war, and for Bush to outright refuse to help Americans while shoveling the money to foreigners, I mean, wow.

From AP:

President Bush, escalating his budget battle with Congress, on Tuesday vetoed a spending measure for health and education programs prized by congressional Democrats.

He also signed a big increase in the Pentagon’s non-war budget….

Since winning re-election, Bush has sought to cut the labor, health and education measure below the prior year level. But lawmakers have rejected the cuts. The budget that Bush presented in February sought almost $4 billion in cuts to this year’s bill.

Democrats responded by adding $10 billion to Bush’s request for the 2008 bill. Democrats say spending increases for domestic programs are small compared with Bush’s pending war request totaling almost $200 billion.

The $471 billion defense budget gives the Pentagon a 9 percent, $40 billion budget increase….

Huge procurement costs are driving the Pentagon budget ever upward. Once war costs are added in, the total defense budget will be significantly higher than during the typical Cold War year, even after adjusting for inflation.

My Current Income Venture - Proxy Sites

About 2 weeks ago i jumped into getting some proxy sites developed. I dont know how to buy one domain name and just try it, so i leap, and i pickup 10 domains. Well we get those put together, up and running, and i see a dollar, so i go for about 10 more domains. Now they’re up, and and we’ve got 20 domains for proxy sites. In the meantime, i pick up about 15 more domains, not yet developed. But After optimizing and submissions, and of course posting to groups several times a day, I watch. And today is the highest revenue so far, for only google adsense. And i am up to $15.00 $20.00 a day now. Doesn’t sound like much, but i haven’t really earned anything on adsense in the past.

So if i can keep that growing, maybe add the other 15 domains i purchased, hell i can live with $20 + a day coming from one little source. Thats $600 a month in my eyes. And if i can keep that steady, i can look at a dedicated server not to far down the road.

I also went into myspace, i figured that would also be an ideal place for pushing proxy sites. I got over 30 subscribers/friends on the first night, and its growing. I never really knew anything about proxy sites, but i’m learning and its another income source for me.

The way i see it, for all these domains i have, they will never go down in value. I’ll eventually weed out the junk. But in the meantime, i’m gonna have fun developing them.

I really have to much fun going in forums and buying up domains.

I’ve got an inventory of over 1500 domains, kinda like a druggy gettin there fix. All categories, Adult to Wholesaling. Must be that compulsive disorder i’ve got, lol. I have some junk and some good domains. I am really just in the process of sorting thru my 2 year buying binge and starting to get some of these developed. I try slowing down, but different circumstances are always encouraging me to pick up on other ideas(domains). I really have no intent on selling my domains, but hey, if i get the right offer, who knows. Hell, i’m still learning how to develope sites.

I guess not for nothing, if the income from proxy sites can help me pay for domain renewals(amounts to about $500 a month average) and a dedicated server, i’d be real happy right now. Although i do look forward to adding some personal income so i can eat regularly, lol. So far, revenue from some of the ads posted on this sight have been pretty descent.

SUPER FAST PROXY… START SURFING ANONYMOUSLY….

Some fast and reliable proxy sites that can help you to surf anonymously and unblock the internet…

  • 3xit.com
  • AgencyProxy.com
  • BuffetProxy.com
  • eFreeSurf.com
  • EggsIt.net
  • iFreeSurf.com
  • iSurfFree.com
  • Prox-Zee.com
  • Prox3.net/proxy
  • ProxyBaffle.com
  • ProxyBuffet.com
  • ProxyHush.com
  • ProxySkate.com
  • ProxyTakeCover.com
  • PRX3.com
  • PRXE.net
  • PulsateProxy.com
  • ShroudProxy.com
  • TakeCoverProxy.com
  • ThrashProxy.com

  • Enjoy and share with your friends…





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    Online Business Ideas

    Online Business Ideas
    By Sam Silverman

    Looking for some low cost online business ideas? I will share some with you that I know others or myself have had great success in.

    Drop Shipping is becoming huge. To be honest, all I know about it is there can be a great deal of money to be made, and there is a very slim chance of losing any money. But, because I haven’t tried it, only heard about its growth and success, I can not guarantee anything for it.

    Another business is domain buying and selling. I happen to be in this business. It’s quite simple. You go to either godaddy.com (That’s what I use) or another domain provider, register a domain or buy one from someone else for a cheap price that you think others would be interested in (Try to stay between $10-$20), and you go on domain selling sites like Sedo.com and sell them for a higher price than you bought them for.

    A different business that you could get into online at a low cost is building a website on some sort of subject of a variety of subjects. Then put affiliates or google adsence on your site and all you need to do is keep adding content, and then you sit back and hope the money starts flowing. If you want an example of a site with a variety of subjects that does this, visit www.WebsterContent.com or if you want an example of a site on one subject that does this, visit www.Rubiks-Cube-Solutions.com.

    My last low cost online business idea that I will tell you about is quite simple. Look around your house for some stuff of yours that you don’t want and you think others would, and sell the item on eBay. Try to remember back to when you bought and what you bought it for, and sell it for more on eBay. I have done this before with a lot of the items in my basement that I didn’t want anymore and got quite a lot of cash.

    I hope my ideas were helpful. Please comment and tell me what you thought and if you’re going to use any of my ideas. Thanks!

    (We are not responsible for any of your success of failure in any of these businesses.)

    Entreprenuer Makes a Killing Online with his Automated Analytical Forex Software.

    DID YOU KNOW THAT:

    50% the people that trade forex loose, even in the long run? For many of the people trading equals gambling. And here lies the problem. To make money CONSISTENTLY and increase your bank account you need a PROVEN AUTOPILOT NO-GUESSWORK SYSTEM.. No, even better, a proven software that does the thinking, eliminating the “human error” factor.

    What we came up with is unlike anything else available on the internet today.


    Forex Killer Features:

    - used by professionals & beginners alike with no experience whatsoever
    - You can start with as little as 500 usd on a real forex account or learn the ropes on a demo account without risking any real money at all.
    - Works with all trading plattforms, it is an independent program. You just have to feed it with market data and follow its trading advices.
    - Developed by a mathematics professor, a behavioural psychologist and an experienced forex trader
    - Works in any country with every broker you like
    - Highly profitable system that let`s you earn thousands of dollars every day
    - Applies to each and every currency pair and any financial market
    - Reliable and consistent. Stand-alone software!
    - Can be tested without risking any trading capital!
    - Can be used at any time anywhere as the market is always open!
    - Breathtakingly simple. Easily and quickly understood by the average independent trader 6 newbies alike!


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    Technorati Profile

    “People should be investing furiously between the ages of 15 and 65″ says Jim Cramer

    kramer7.jpgWhether you love him, hate him, or never even heard of the guy, Jim Cramer is one of the most influential figures on Wall Street. He is most famous for his television show Mad Money, as well as being the co-founder of TheStreet.com. He has made his living in the stock market and has also written a handful of financial books about investing and finance.

    Recently, I was reading an article featuring Jim Cramer in Maxim Magazine. The article was entitled, “Are Our Financial Prospects Bright?”

    Of course being the host of a hit stock market television show he strongly supported investments in stocks throughout the interview. But Cramer touched on some points about the young and their investments, and the desires he has for people to get into playing the stock market.

    Cramer’s take…

    “I am advocating that stocks are great- I mean Multi-year great. I see many years of tremendous opportunities to make money outside of your paycheck..I want to emphasize that people should be investing furiously from when they’re 15 to when they’re 65.”

    Cramer is then asked about the easiness of getting into the stock market through the use of the internet. And about the Google generation we live in, and is all for it, stating: Youth plus Google equals “I know what people are buying in the real world, and I can go buy their stocks and make money”

    With that statement in mind Cramer lastly touches on the youth and what their investment strategy should be:“Play your hunches. Buy the wildest stock. If you’re wrong you have the rest of your life to make the money back. But you could also hit the proverbial home run and be set for life. These aren’t lottery tickets. There’s not one winner. There are alot of winners. If this were the NCAA Tournament, you’d be taking a chance on the 16th seed.”

    My thoughts…

    I am currently in the process of getting my portfolio set up, but I have almost saved up $3000 on the side to buy some stocks, when I reach that mark. But, looking past my inexperience in the market, I too, agree with Cramer.

    A while back I wrote an article entitled “Is Time More Valuable then Money” and quoted an unknown source’s line which stated: ” waste money but never time, money comes back to you but minutes are hard to find.” This definitely is the philosophy of investing for the young in my opinion. Like Cramer said as the young investor we definitely have more time to make up our losses, so it is ok to chase whims and gamble on certain stocks. I encourage people to get started as soon as they can, investing on whatever they think can make them money, before it’s to late.

    Cramer also hit the nail on the head about the Google generation, with Google and the technology that is available to our generation, we are more capable of investing and doing research now more than ever.

    It should not be that hard to pick a good stock if you know how to use the internet, there are even sites that rate stocks such as TheStreet.com, to give the investing newbie an head start on finding a good stock.

    If your a young investor, use your knowledge of pop culture to make you money by using Google, don’t underestimate yourself about knowledge of the economy. You are the consumer and you know what people want and need, so use that knowledge to buy a good stock.

    So gamble a little bit, it is the only way you will have a chance to make money, and who knows it may pay off

    As far as investing furiously up to the age 65, I do not agree with that, as you get older obviously your risk taking needs to get lower and lower to secure your future, but definitely gamble away until your mid forties in my opinion :-)

    What do you think? Should we gamble away while we are young? Is it as easy as Cramer says to find a good stock by using the internet? What is your investment strategy right now?


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