Students Of Success

I recently had an experience with one of the affiliate programs I *was* involved with. This experience did not surprise me, but did however, disappoint me. It is a sad fact that it did not surprise me and I thought maybe an article on this subject might bring it to our attention.

I did willingly join this program and accept the terms of which I do understand. However, when customers of this online business owner would email me with complaints about the product and the fact that the owner would not answer any emails, I definitely had to think twice about promoting this product and affiliate program.

So having decided this, I wrote the owner and asked if he could send me the small amount owed to me. I informed him I would not be promoting his product or program any longer and would like what was owed to me. His reasoning was, he would not pay me because I joined the program willingly and he had a minimum amount.

This I had to accept while thinking, “Wouldn’t common decency dictate paying the small amount he owed to a former affiliate?” The money itself does not change my life in anyway of course, but the human side of this really bothers me.

I will credit him with being polite and professional in his emails, and I also did not get upset, but thanked him for the learning experience. I also stated that I would in no way run my affiliate program in that way.

Common decency would prohibit me from doing so.

I realize we are running businesses and need to make money, but do we throw away courtesy, decency, respect and consideration to do so? I think not!

I know I am not the only person this has happened to, as a matter of fact, it has happened to me twice. The first time being a much bigger amount. The program owner just dropped out of business and left his affiliates hanging.

As a whole, the people I have been lucky enough to “meet” online have all been wonderful, caring, helpful, respectful and decent. When I first started online, that fact was a wonderfully pleasant discovery! Over time however, I did run into a few people who needed to learn common decency.

So if you run a business/affiliate program, do not let money be your first priority, make people number one and the money will follow. If you owe somebody money/service. etc., pay them. If your affiliate decides to “resign” from your program show them your good faith and common decency. Pay them what you owe, even if the amount does not reach your “minimum”!

Their reasons for “resigning” might be totally false in your eyes, but you still owe them what they did sell for you. Common decency prohibits me from “blabbing” the product/program I had this problem with, but it is no longer on my site and if people ask me about this specific product/program, I will tell them the truth.

I am not out to get this guy, but cannot recommend a product/program that I know does business in this manner.

I usually don’t write this type of “venting” article, but this topic is so very important, I thought I would make an exception.

So let’s think about when we are dealing with customers, subscribers, Newbies, associates, affiliates, etc., we need to keep common decency and respect alive. Do not lose sight of our fellow human beings so we can have a few extra bucks in our pocket!

About The Author

Terri Seymour owns and operates MyOwnEzine.com

You can contact Terri at mailto:ter02@newnorth.net

One of the more popular of the Citizen moon phase eco drive watches, the 8651, can be found online at several sites for under $300 and a few for under $200 with much variation in price. Clearly, it pays to comparison shop for the Citizen moon phase eco drive watches.

The Citizen moon phase eco drive 8651 is a classic among watches. It features three subdials for month, for day and for the phase of the moon. Its hands and marks are luminous and of course, being an eco drive, it is powered by sun or light with a battery that never needs to be replaced. These Citizen moon phase eco drive watches come with five-year manufacturer’s warranties. They can be ordered with a gold, white or blue face and with metal or leather bands.

The Citizen eco drive model AP1000-03L moon phase watch is designed to be worn by a man. Its indicator of the phases of the moon is on one of its three subdials at 7 o’clock. The day of the week displays at 10 o’clock on another subdial, while the third subdial shows the month at 4 o’clock. Its full charge offers a massive power reserve of 180 days. It has a buckle that folds with a push of one button, and an attractive blue leather watch strap.

This Citizen moon phase eco drive watch features an indicator of a low charge and advisory of time reset. It has a case with a screw back, and a mineral crystal that is both non reflective and scratch resistant.

These Citizen moon phase eco drive wrist watches are water resistant to a depth of over 300 feet.

Susan Bradford makes it quick and easy to find the best Citizen mens watches. Read expert information here.

Get the latest subway coupons

About Subway

Subway, a fast food restaurant, is known primarily for its salads and sandwiches. Its founders were Peter Buck and Fred De Luca who opened the store in 1965. The Doctor’s Associates Inc (DAI) is the sole owner of the restaurant.

Till date the company owns around twenty-nine thousand forty five restaurants around eighty six countries all over the world and is one of the fastest growing food chains in the world. The consensus made in march 2008 ranks it as the third largest global range of food restaurants after the first Yum!Brands and second McDonalds. The two have 34,000 and 31,00 stores all over the world consecutively.The main operating office of the company is in a place called Milford that is situated in Connecticut. There are also five regional offices of the company which handle European stores, and these offices are located in Netherlands and Amsterdam. The sales procedures of New Zealand and Australia are handled by offices in Brisbane, that of Middle Eastern locations by offices in Beirut in Lebanon, the Asian locations from Singapore and the Latin locations form Miami in Florida. The company is hoping to expand its reach in the UK and Ireland by opening two thousand and ten restaurants by the year two thousand and ten.

The main reason for such a huge popularity of the restaurant is the growing concern about health by the restaurant goers. The company actually has one such customer who survived on a diet of Subway sandwiches and has lost two hundred and forty-five pounds as a result. The customer, Jared Fogle, a student of Indiana University is now the spokesman of Subway and the company uses this story in their marketing campaigns to attract the public. This has furthered the image of Subway as a health conscious restaurant and hence attracts a lot of crowd. All of this happened in 1999 but the campaign carries his story till date.

In 2003 it struck a deal with Coca Cola and Coca-Cola had given every single Subway restaurant in America toaster ovens so that Subway could compete with Quiznos Sub. This made toasted sandwiches a hype. Further, the introduction of toasting in the French style in Australia totally cut off Quiznos Sub from gaining any market at all. The Subway restaurants now use Turbochef microwave ovens or Merrychef convection ovens to serve their customers.

Lowriding began as a cultural element of Chicano Americans, part
of the street culture of the American barrio where Mexican
immigrants maintained a lively urban culture.Lowrider bikes, one
of the most splendid and unique products of this culture, are a
cross between the Harley and the cruiser bike, decorated with
paint and chrome and streamers, found in any all-American
hometown parade.

As you might surmise, lo
wriding bikes hug the ground.The highest points on a
lowrider bike are almost always its two hand grips, just like
you might find on its motorized cousin, the Harley
motorcycle.The seat of a lowrider bike is down at wheel level
and its pedals are sometimes higher than the seat!These bikes
are typically a highly individualized creation.Most of them are
ridden with enormous pride by their creators, although you can
buy some standard models and a few elaborate models in a good
bike store, especially in cities of the American West.

Despite the fact that these bikes originated within the poverty
of the barrio, lowrider bikes are anything but cheap.Makers of
these one-of-a-kind creations regard their bicycles as much as
an artwork and a mechanical marvel as a means of transportation,
though part of the joy of creation has always been parading them
down the street when completed–these are not pieces of art
meant for life in dusty museums, for the most part.Each part is
usually carefully selected for its utility as well as its
beauty, with the resulting bike a breathtaking example of
technical and artistic ingenuity.

Lowrider bikes are becoming a presence in more and more cities,
perhaps made more “respectable” among the affluent bicyclists
who drive the market by the increasing popularity of their
cousin, the recumbent bicycle .As the baby boomer generation ages and
feels increasing twinges of back pain riding on the dropped
handlebars of road bikes, expect to see more and more lowrider
and recumbent bikes alike.

And once you get your first basic lowrider bike, don’t be too
surprised if you find yourself flipping through the real or
online pages of a lowrider parts catalog musing, “Hmm.I wonder
how that golden sprocket would look on my bike?”Lowrider bikes
have a tradition of creative embellishment and technical
improvisation that calls out the artist and the inventor in many
of us.

What, really, could be better to evoke, especially if you’re
already a bike rider?

Creating Link Popularity - Without Getting Banned
by Dan Thies

By now, most webmasters know that link popularity is the single
most important factor in driving top search engine rankings. But
did you know that some some links can actually kill your search
engine rankings?

The importance of links has led to the creation of “links
programs” such as LinksToYou and others. If you’re already in a
links program, hold on to your hat, because I’ve got bad news
for you.

How Links Programs Work:
In a links program, every member of the program uploads a page
or pages to their website. These pages carry links to the other
program participants’ websites.

Why They Don’t Help Search Engine Rankings:
All of the major search engines are aware of these programs, and
most of them use automated processes to weed out “identical”
pages. Even if a search engine recognizes the link, they won’t
give it much weight.

How Links Programs Can Kill Your Business:
The most popular search engine in the world today is Google. In
late 2000, Google began a systematic campaign of permanently
removing links program participants from their index. Altavista
has begun a similar program, although recent problems kept them
from executing it.

Don’t the operators of links programs know all this?
Of course they do, yet they continue to operate and proliferate.
Tobacco companies know cigarettes kill people, yet they continue
to sell them. I’m sure both would tout the “benefits” of their
product as a justification.

What To Do If You’re In A Links Program:
First, immediately remove all of the program’s pages from your
site. Second, remove all the links they had you set up on your
other pages. Third, if possible, cancel your membership… then
get to work creating some legitimate link popularity.

Creating True Link Popularity
If you want your site to have lasting popularity and relevance
with the search engines, you need links from related sites.
Dedicate 10 minutes a day to locating and contacting other
webmasters to swap links, adding your site to directories,
and publishing articles in your area of expertise.

Create Multiple Layers Of Links
For some search engines, links to your home page are good
enough. At least some of your links, though, should be targeted
at your internal pages. For example, if your site sells tools
for gardeners, get some links set up to your “how to” and FAQ
pages too. This will help you get more of your site’s content
into the search engine, and increase referrals significantly.

Get The Links Indexed!
It doesn’t do you any good to set up links if the search engines
never find them. You can submit the pages that link to you, but
most search engines nowadays won’t index them unless there are
other links to those pages somewhere on the web. Consider
adding a “resources” page to your site, linked from your home
page, with links to all the individual pages that link to you.

How To Make Sure Your Links Get Indexed
In order to ensure that the links pointing to your site get
indexed, you really have to take an additional step, and set up
a second domain and website. The gardening website in the above
example might need a partner site like “gardening-resources.com”
with a single page pointing to all the links pages you’ve set
up.

Once you’ve set up the secondary domain, add a link to it from
your main site’s home page, and wait for the search engines to
index it. Don’t forget to link back to your primary site, of
course - not just your home page, but any content pages as well.
You should submit this additional site to the same directories
that you use to list your primary site.

It also helps to ask for an additional link to your secondary
domain when you set up links swaps. Just explain how the
secondary site helps both partners, by adding link popularity
and helping the links pages get indexed. Any sensible webmaster
will gladly add the second link.

What Happens Now?
As the link popularity of both of your sites grows, they begin
to feed on each other. Don’t neglect to track any search engine
referrals to your secondary site - if they grow to a high level,
you may want to turn it into more than just a links page. If
you’ve done a good job of optimizing your primary site, though,
chances are your secondary site will never outrank your primary
site on any search.

If you take these initial steps today, and commit to a program
of link building for ten minutes a day, your site’s traffic will
begin to rise dramatically within just 2-3 months, and it should
only get better if you stick with the program.

I wish you success.

About the Author

Dan Thies has been helping his clients (and friends) promote
their websites since 1996. His latest book, “Search Engine Fast
Start,” is available at http://www.cannedbooks.com

Finally — A Red, Reblooming Daylily!

Everyone loves a daylily. As one of the best performers in the perennial garden, daylilies are known for being hardy, carefree and profuse bloomers. Daylilies are available in a wide range of colors that can brighten any landscape. New daylilies are always being introduced, but many of the new and old daylilies bloom only once a season. There are a handful of new daylilies that are repeat bloomers, allowing you to enjoy their beauty from late spring until well into autumn. ‘Red Hot Returns,’ the first full size repeat-blooming red daylily that is hardy in the north, was introduced in 2005. This is one of the newest creations of master breeder Dr. Darrel Apps, who is also know for other popular repeat-blooming daylilies including ‘Rosy Returns,’ ‘Happy Returns’ and ‘Big Time Happy.’

Red Hot Returns — New and Hard to Find

Red Hot Returns has cherry red blooms with a lemon throat and grass green tonsils. Blooms are large, reaching up to 5 inches across and will repeat in cycles from late spring until the first hard frost. The foliage is deep green with a moderate rate of clump development. Red Hot Returns will reach 24 inches tall, perfect for mid-border planting or for massing in front of shrubbery.

Planting and Care

‘Red Hot Returns’ is easy to grow and care for - returning year after year to brighten your garden.

Click here to view ‘Red Hot Returns’ on the Carroll Gardens website.

A barista is a person who prepares coffee drinks in a coffee house as his or her profession and especially strives to create the perfect espresso. The barista possesses extensive knowledge on different kinds of beans and roasts and has the technical skills required to master the espresso machine.

Baristas consider the extraction of coffee as art and they actually perform in front of their customers each time they prepare an espresso, a cappuccino, a caffe latte or a caffe mocha. However, if they wish for larger audience and consider themselves as really talented they can consider competing in barista competitions. These events take place every year and they are held at local and national levels. The ultimate title to win is the World Barista Champion.

The World Barista Championship was first held in 2000 in Monte Carlo and it became quickly a public event where the best baristas from different countries battled for espresso making supremacy. The World Barista Championship takes place every year in a different country and the competitors are the winners of the national barista competitions.

In the United States the Specialty Coffee Association of America (SCAA) hosts several local barista competitions. There are ten regions, and each state has been assigned to a region. Local competitions are sponsored by businesses, and the winner of each of the local events has the chance to try to impress the jury at the US Barista Championship. There are many barista competitions in Europe and the United Kingdom. Canada, Australia and Central America also have barista competitions at the local, regional and national levels.

In a barista competition the judges have to assess both the contenders and the coffee drinks they make. The criteria based on which they score each barista involve the quality and taste of the beverage, personal presentation, technique and also the presentation of the coffee drink.

The baristas race against the clock as they are only allowed to perform for 15 minutes. They also have 15 minutes before the actual presentation to prepare with every detail for the show - ingredients like syrups, chocolate sprinkles or anything that you can think of except alcohol, cups, trays, blenders, mixers and portable burners. Contenders even roast their own coffee and bring it with them at the competition. After serving their drinks, baristas have 15 minutes to clean their station before they make room for another contestant. The espresso machines used in the competition are key to the taste of the coffee. The machines must be left absolutely clean and free from any impurities.

During the 15 minute performance interval baristas have to prove their skills by preparing 4 espressos, 4 cappuccinos and 4 signature drinks. Four sensory judges that have to decide on the quality of the drinks sample each one of the beverages. While preparing the beverages, the baristas have to present their work, give details about the ingredients they used to the audience and also treat the judges as customers in a coffee shop. One can only imagine the stress.

After the espressos and cappuccinos, which are finished with latte art - complicate designs drawn atop the cup with foamed milk by using the pitcher, the time comes for the signature drink. It is the competitor’s original creation and this is where baristas reveal their creativity and skills combining roasts, syrups, steaming and frothing milk and using all sorts of ingredients and flavours that turn their beverages into savory works of art. The baristas can spend even months to invent this perfect drink that can bring them the victory in a competition.

Here are some examples of drinks that barista champions have invented:

• Troels Poulsen, the 2005 World Barista Championship winner, created a drink called ESB, as in “enhanced sensory balance” by combining melted pepper-gel, espresso and lavender syrup.
• Phuong Tran, the 2005 USA Barista Champion, was inspired by her childhood in creating the Crimson Sage, a drink made of sugar cane juice, white pepper powder and steamed milk infused with sage leaves. She said that as a child she loved drinking sugar cane juice with ice and she always dreamed of using it in a drink.
• Sammy Piccolo, the 2004 Canadian Barista Championship winner, created “Insieme” by using raw sugar, egg yolks, curry, bittersweet chocolate and milk.
• Bronwen Serna, USA Barista Champion of 2004, entitled her signature drink “Sweetness” because the main “secret” ingredient was honey. She also used dark chocolate powder and served it with a dark chocolate square.

Baristas train hard for these competitions, especially if they have the chance to participate in the World Barista Championship. They try to bring to perfection their technique and put together their program as during the competition everything has to work smoothly, no glitches are allowed. They can actually be compared to athletes rehearsing for the Olympic games as some of them even have coaches that sometimes play the role of judges in preparation for the competition.

Barista training

Well, perhaps after reading about the competition requirements it might be wise to brush up a bit on your skills. There are several ways to either get basic skills training as a barista or enhance your existing skills:

• Books and manuals. There are many books or manuals available that take you step by step through the processes of making an espresso, a cappuccino and other specialty coffee drink. The drawback is that you only have still pictures to look at which may make it difficult for beginners to see the details of the methods.
• Videos. These provide both visual modeling as well as commentary on how to produce the perfect cup of espresso.
• Training classes. There are training locations in most areas that offer courses that range from three hours to a full day on learning the secrets of a barista. Many of these programs also deal with how to care for the espresso machine and offer a certificate upon completion.
• Hands-on. Some experienced barista will offer personal training or mentoring for those interested in becoming a barista or in improving their skills.

Whatever you decide to do, if you have a talent for making a great cup of espresso you should consider entering a barista competition. You will meet other people that share your passion for coffee and will certainly get some new ideas to try in your coffee shop.

Jim Cheresly shows you what coffee appliances to use in order to prepare a fine coffee drink at www.madcoffeemaker.com where you’ll find more about coffee roasters, grinders, coffee makers and espresso machines.

Hardens eating guide all started in the early 90’s it was seen that London as an eating city had no Turkish restaurant guidebooks at all. The idea was to come up with something which was handbag sized that clients could use to help them to decide where is a good South African restaurant to eat. More than fifteen years ago the first London Chinese restaurant guide was printed and distributed by hardens and has been a dazzling success ever since.

What makes Hardens so brilliant is that the London Eateries are scored by the buyers, when the 1st ever book was printed the restaurant organizations was just starting to change and with magnificent difficulty Hardens managed to ask a hundred people to take part in the very first London wide survey. Over 600 meals over a nine month period were eaten to make the Hardens Restaurant guide what it is today. Hardens can help with finding Restaurants in London

Hardens have the made available restaurant reviews and now have a brilliant website. The brilliant website is simple to move in and around and will tell one anything you need to know about pretty much any vegatarian restaurant in London and give you recommendations split into segments so it makes it easier for you to narrow down what it is that you are exactly looking for.

The enlightening website itself has lots of bits recommended on it, it is easy to digest and work your way through and this is thanks to the review guides excellent clear arrangement you can check out all the hottest up and coming Thai restaurants and of course reviews on them. This section is called Latest Reviews and is clearly placed on the home page of the site where you can have a look at the massive list of Swiss restaurants which changes every couple of day depending on what restaurant reviews have been written. There is also a section down the right side of the hardens web page where people can look for perhaps a specific Organic restaurant or if you are looking for a restaurant to go to in a specific area such as Manchester and customers want to separate the good ones for the dire restaurants this will do the job perfectly for you.

Do you have a low credit score?

If your credit score is below 700, you may not qualify for some of the best interest rates on credit cards, loans or mortgages. This means that just by having a credit score of 695, instead of 725 (just an example), you may end up paying thousands more in interest on any new credit you are granted, which you can avoid by just taking some simple steps to increase your credit score before applying for a new personal loan, auto loan or mortgage. It is widely believed that a credit score of 720 or higher is ideal.

How to improve a low Credit Score

If you have a recent bankruptcy on file, repossession, foreclosure, missed or late payments… it will take time to bring your credit score back up after such a blow. If you are in this position, in the mean time just be sure to borrow “within your means” (although you may have trouble getting approved for any new credit) and don’t overextend yourself. Keep paying your bills on time, and you will be back on the road to raising your credit score.

If you pay your bills on time, don’t have a recent bankruptcy on your record, and don’t have any missed payments or collections on file, look at your credit card balances. Normally you will want to keep your debt-to-credit limit ratio, on your credit card accounts, below 25%. If you owe more than 25% of your total credit limit on your credit cards, consider paying them down.

Example: if you have a credit card with total credit line of $10,000, and you have a balance of $2,500 on the card, you would owe 25% of your total credit line on that card.

Also keep in mind that even if you pay your credit card balance off each month, it still may be reported to the credit bureaus that you are carrying a balance on that card. It depends on what time of the month your credit card issuer reports to the credit bureaus, they will list whatever your balance is on the day they report it. However, most (if not all) lending institutions are aware of this, so this is generally not something to worry about.

Too many open credit card accounts

Also, too many open credit card accounts can be a bad thing. But, if you already have several open credit card accounts in good standing, don’t cancel them, the added “good” credit history can help your credit score. If you find that you have way too many open credit card accounts and you have decided to cancel some of them, be sure to cancel the most recently opened accounts. Keep the oldest accounts open. Normally the longer your payment history on an account, the better your credit score will be.

Try not to open any new credit card accounts that aren’t necessary. Generally when you open a new credit account, it will lower your credit score slightly, at least for a short period of time.

How you manage your “revolving credit” (credit card accounts) is a big factor in determing your credit score.

Newly Opened Credit Accounts

Usually your credit score will take a slight hit from newly opened credit accounts such as credit cards, auto loans, or mortgages. How many points your score will decrease depends on how many times you have applied for credit in recent months.

However, this decrease is only temporary, your score should rise again after several more months of making your payments on time. Normally this is not something to worry about, unless you have submitted many applications for new credit in a short period of time. That may indicate to credit issuers that you are beginning to overextend yourself (applying for too much credit), or that you are being denied credit and you keep trying other lenders hoping for a different result.

Short Credit History?

If you have a very short credit history (length of time you have been using your credit), that can also be a reason as to why you have a low credit score. Keep paying your bills on time and follow good overall credit management, and rest assured - with time - your score will rise!

No Credit History?

If you have absolutely no credit history, your credit score will most likely be low to start with. You can get started by applying for a credit card in an attempt to establish your credit history, or if you are trying to obtain an auto loan, but haven’t had any luck getting approved because of a short credit history (or no credit history), you can ask someone you trust to help you by co-signing on a loan with you.

These are just 2 of the ways you can start establishing your credit, but probably the 2 most common ways. When you are approved for your first credit account, be sure to pay your bill(s) on time, and you will be on your way to a better credit score!

Jake Rustenhoven is the webmaster of www.freebiecreditreport.com, and the author of many other self-help and finance related articles such as this one.

Traffic is the bread and butter of any website or blog. Without traffic you cannot create a revenue and you will end up being the only person visiting. There are many different ways to build traffic, but what people tend to over look is that any real and legitimate traffic building ways takes time. You normally won’t do something traffic related and see 2000 people show up to your page.

Some of the good ways to advertise includes:

Writing articles
Pay Per Click (PPC) or
Your link or banner on a popular website/blog

On the other hand there are many bad ways to try to get traffic. One of the worst ways is using autosurf traffic exchange. I don’t like to make assumptions on anything so I tried a few of them out. The most I’ve tried all work the same way. You sign up add your website/blog/banner to your account and start surfing.

You have to look at other peoples pages for a set amount of time that varies depending on which autosurf you use. Generally it’s 15-30 seconds you have to look at a page before you get credit. Everytime you look at someone elses page and get credit, that means that let’s say you have 50 credits, then they will show your page to 50 people usually.

This sounds great but what you have to remember is you are there to get free traffic to your page and so is everyone else there. Most are trying to get a sale and unless you have a really great site, no one is staying there any longer than they have to. They will be moving on to the next page to get more credits to advertising their site. And there are two types autosurf and manualsurf.

They both mean exactly that. You have to wait the specified time then manually click to the next webpage. Autosurf you can set it and forget it, literally. You start it up and walk away or minimize the page and continue using your pc. Now think about that. If you are doing that, how many others are doing the same and how many are NOT looking at your website.

The worst I’ve found is one that gave me so much traffic I had to pause my account. Pausing my account means that my credits would keep growing but I wouldn’t get any visitors to my website. Why did I do this? Well I have adsense and this is not real traffic. I put another non-adsense page in my account and had traffic go there. In two hours the account showed I had surfed 500 websites and had gotten 400 visitors. When I went and checked my webpage counter it shoes I had only 50 visitors and they were shown my page over and over.

So the major lists of reasons to stay away from these type of programs is:

1. No one is really paying attention to your site, when there really trying to advertise there own.
2. Using these programs when you have advertisers on your site, such as adsense or affiliate banners, can get you banned from them for fake impressions.
3. Not enough people so your not getting unique visitors each time.
4. Some will send you 100 visitors in a 1 minute. Which can make not only your advertisers ban you, but also get you in trouble with the search engines. This is called exploding your traffic and it’s usually not a good idea. Even reputable places that can get you visitors won’t send a 10,000 to your site in one day.

In all, I think there are much better ways you can spend your time building traffic than falling into this trap. Using autosurf to explode your traffic is a bad idea like I explained above, because traffic is something that naturally climbs. It can go fast if you know what to do or slow to non-existent if you don’t. But it should just explode by jumping from 1 to a 1000 visitors in a few hours. Good Luck with your site and always be careful of the scams.

Written by Marsha James

Please feel free to add my article to your website, forum, blog, newsletters and other ventures if you leave it in full format. If used in a newsletter please send it to me that I may view where my work is going. Thank You.