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business idea Google Internet Money

WordAds vs Adsense – How to Maximise Revenue from Your Blog?

wordads vs adsense

Wordads by Automattic (the creators of WordPress) is an advertising system like Google Adsense to monetise your blog or website. If you’re confused about the two and wondering which one to use for your website, get this right:

  1. You CANNOT run WordAds on a non WordPress.com website! Not even on self hosted WordPress websites.
  2. You CANNOT run Google Adsense on a WordPress.com hosted website – whether it’s free, premium or business.

So may I request everyone who does not have a WordPress.com hosted site to stop worrying about Wordads and focus on getting more traffic and optimising Adsense ads please? If you have a non-wordpress.com hosted website, you have 10 seconds to close this page and stop worrying about all this Wordads hype.

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Okay and now for the 0.01% of you left, who have a wordpress.com hosted blog/website, please note the following:

  1. Even if you have a wordpress.com hosted blog, you can’t run Wordads on the classic yourblog.wordpress.com type URL.
  2. Your blog must be upgraded to one of the three plans to qualify for WordAds.
  3. You do not auto-qualify to run WordAds. Your website must have a certain minimum traffic threshold.
  4. You need to have a certain level of user engagement, no thin content, no auto-generated traffic!
  5. You need to apply and wait for them to approve you for Wordads.

Now, for the 0.01% of the 0.01%  that tick all the points above: you can apply for Wordads here. Many news sites and reputable blogs have claimed that with Wordads you can make more money than Google Adsense but to be honest I don’t believe that. An honest comparision can’t be made between Google Adsense and Automattic WordAds because a lot depends on your Adsense ad placements and how good you are with it. With Wordads you don’t have control over where to display ads, they have their fixed pre-decided areas where they’ll place ads (mostly flash based good quality ads).

This is also a wordpress.com hosted website and I’ve applied for Wordads today. Since there is no mention of the minimum traffic requirements, I’m not sure if cafearjun.com will qualify. If it does, I’ll update this post with the kind of earnings you can expect with WordAds.

Until then, keep well.

Update – 6 hours after applying for WordAds – Got Approved! 🙂

Awesomeness happened and I got an email saying that cafearjun.com has been approved for WordAds! I’ll share some stats on the traffic on this blog to give you an idea of what you are looking at in terms of traffic.

Traffic in the Last few Days

Wordpress.com site Traffic in the last few days

Traffic in the Last few Months

Wordpress.com site Traffic in the last few months

Traffic History (This blog used to be a superhit a few years ago)

Historic Traffic

How Much Can You Expect to Earn From WordAds?

I’ve been reading about this on the web for sometime now and it seems you can forget about making any decent money unless your users come primarily from the US or Europe.

  • Mark Madrona report from the Filipino Tribe reports his earnings to $104 from apprx 75000 impressions. That is a CPM of 0.13 USD or 1/10th of a cent per impression. His audience is primarily from the Philippines. And if you’re a blogger, you’ll know how hard it is to generate 75000 impressions. I see of lot of other ads on Mark’s site now, he’s probably moved to WordPress self hosted now. Would be interesting to know how he is doing now in terms of revenue.
  • Prannay Jha who writes mostly for an Indian audience on his blog Subtle Words has reported figures that would even disappoint Not for Profits. I love his writing style and probably because of the Indian target, he can’t rely on Blogging for a livelihood for sure.
  • Dennis who writes about technology and is a really positive guy reports in his post an earning of 133 USD for 67000 ad impressions. This is way better than Mark and Prannay’s earnings possibly because Dennis gets US traffic.

I get 70% US traffic and 20% Indian traffic, let me complete a month and I’ll update how much I earn 🙂 exciting times! Thank you WordAds!

Update 26th December 2015

Earnings are $4.55 for this month. That’ll just about buy me a Starbucks coffee.

Considering that in the period between 20th November and 20th December the blog got just under 7000 unique users, I don’t understand why the impressions are just 4427 – maybe because I run the ad only at the bottom of the page and not everyone scrolls right to the bottom of the post.

My earnings in terms of impressions vs dollars made are on the lines that other bloggers are making.

I’ll try changing the layout to something that allows ads at the start and end and see how that impacts the earnings.

Will keep you all  posted, see you next month.

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a man's struggle business idea Google inspiration Internet Money reviews

Make Serious Money From a Legitimate Online Business from Home

If you’re a “stay at home Mom” or someone really unhappy with your job (planning to quit and start something on your own), or maybe in a country where you don’t have a work-permit, or a retired person looking to start something online, or someone who’s bed-ridden and therefore looking to make good use of your time or a fresh graduate not sure about what to do career-wise, let me tell you this:

  • You Can Make Money Online from Home
  • You Can Build a Serious Legitimate Business Online With the Right Coaching. It is NOT ROCKET SCIENCE!
  • Without a Huge Start-Up Investment – under $500
  • Not 25 – 50 dollars a Month – You Can Make Much More Money Online! Amounts Much Greater Than What People Typically Make in 9-5 Jobs.
  • You Don’t Need to Lie  or Cheat Anyone to Make Money Online! Do It Legitimately and Legally.
  • You Don’t Need to Sell Stuff That You Don’t Like or Don’t Endorse
  • You CAN Be a Complete Newbie/Beginner/Layman And Still Make Money
  • You Can Make Money Without Completing Surveys and Without Watching Stupid Ad Videos and Without Reviewing Businesses You Don’t Know
  • You Will Need a Website – It’s Simple and I’ll Teach You It in 5 Easy Steps!
  • You Don’t Need to Gamble to Make Money Online – No Stocks, No Betting, No Online Casinos or Quick Rich Schemes – Just Genuine Hard-work Like Any Other Job.
  • You Don’t Need Technical Knowledge, You’ll Learn On The Job!
  • You WILL Need Savings to Help You Get By in The Initial Months
  • It’s Not A Job, You Will Build Your Own Home Business That Grows In Value With Each passing Month!
  • Your Online Business If Done Ethically Can Give You Earnings and Returns For Lifetime!

making money online is no magic

Why read this article? Who Am I?

I’m Arjun, have run 800+ websites in parallel, made money from those using every possible strategy there is. I started in 2004 and it took me 3 years of learning to start making money online in 2007 and I’ve never looked back since. Of all these ventures, the most money I’ve made is in projects that don’t really need any technical know-how, don’t require any upfront investment and don’t require lying or cheating or conning anyone. These kind of online businesses are not only the most fun to run but also are the longest lasting. There are hundreds of people out there that will teach you a step-by-step method of making money. Yes they do work, but they come with an expiry date – think – if there’s a short cut technique for making money, sooner or later it will be exposed to way too many people for it to be effective anymore. Don’t go for that or you’ll never have a reliable online business ever.

In this Blog post, I will explain a way of creating an online property that will require you to put in hard-work, use your brains, and create a website that will help thousands but at the same time will never go out of fashion and will continue growing in value with each passing month. I will be very direct and strict and put numbers in place that you will need to follow – provided you do exactly as I say, you WILL build an online property (website) that will make you money and will be a superb asset in the long term.

An Online Business Can Be Built Only With Ethics

To Make Things Clear – First I’ll Answer Some Basic Questions

  1. Who is this system for? 
    • This system is for someone who is disciplined, has a decent IQ, believes in honesty and in the act of giving and has the capability to self-motivate. It is not easy sitting in a quiet room working toward a goal for months on end. People tend to give up, they can’t follow through, get demotivated or attracted to other schemes that promise more riches quicker. If you are one of those people, then don’t waste your time starting this activity because while I promise you that this will make you money, a lot of it and it is a stable business to be in, I can also tell you that it won’t be easy, will require hard work and it won’t happen overnight.
  2. How long before I start making money online? 
    • Your first dollars will start coming in, in 3-6 months, but it will take a minimum of 9 months to start making money that’ll justify you quitting your job. Some can start making a lot of money very quickly, whilst some can take slightly longer, but money you will make and you will ENJOY the process and the highs and lows that come with it.
  3. How much money can I make online?
    • In 2 years time your business will be worth 100,000 dollars plus and should be generating USD 5000 plus monthly in profit for you. I say this because with my technique, the average businesses I’ve seen have been valued at over USD 100,000 in 2 years’ time, hence this is a safe estimate figure to go by. After 9 months you can expect to be making enough money to sustain yourself comfortably. Just like any aspect of life, there will be some of you making a lot of money and some not so much. That will depend on the decisions you make and the smart work and hard work you put in.
  4. How much investment will I need?
    • About $350.
  5. What skills do I need?
    • Superb written English is necessary if you have a low budget. If you have money to invest, then you can hire top-class writers and they will write for you. The figure of $350 above is valid if you’re capable and willing to write yourself.
    • General street smartness.
    • Some business acumen will be handy, but not necessary.
    • Flare to read.
  6. How much time do I need to invest?
    • It’s an alternate career and at the start it requires as much time as any other profession – so I would say 8 hours a day to start with. Later when the business starts to make money, a lot of it is going to be on auto-pilot and at that time you can reduce that 8 hours a day to 5 hours a day or even move out completely by recruiting and training people to manage the business. You can also start it part-time along with a day job, but that would increase your gestation period by many months depending on the number of hours you put in per week.
  7. What technical skills do I need?
    • None, you just need to be a savvy Internet user.
  8. It’s an intangible business, can it evaporate overnight?
    • The business we’re talking about relies on people who visit your website. The search engines are a brilliant way to get users on your website, but if Search Engine Optimisation is done wrongly, then Google, Bing and other search engines can remove your website from their listings. If you follow Google Webmaster Guidelines and do stuff honestly without the intention of manipulating search rankings, then you have nothing to worry about and just like big businesses like Walmart, your business will not go anywhere. It will grow bigger and better with each passing month as you continue working on it.
  9. Will I need to recruit people?
    • Initially no, after a few years, maybe.

Let’s Get Started – Here’s a Summary of My Online Business Technique

Arjun's 3 Phase Online Money Making

Phase 1: Creating a web property worth $100,000 in the next 2 years with average monthly profit of $5000 per month.

You will create a new Brand in the business sector or niche of your choice by identifying:

  1. Product topics where there’s little or no information on the Internet. Product problems that are yet unsolved but are affecting hundreds or thousands of people every month. I will teach you how to identify keywords where there is interest but where little help is available. Here’s an example: People buy baby carriers in the US and UK all the time but new parents in the hiking community have been looking for baby carriers that would be ideal for hiking. There was no such information available online until I created a website on that topic. Another example in the same niche – baby carriers for parents with bad backs – there was no information available until we addressed it. Long story short, we addressed these problems, identified products after thorough study that would suit each customer group and suggested what people should buy. Monthly profit after this activity and 6 months of constant legitimate hard-work – $1000 per month 100% legally, ethically and honestly in a way that genuinely benefits people.
  2. Content marketing and Affiliate marketing will be used by us to monetise your business.

This will enable you to create a Brand in 9 months to 2 years that you will own 100% and that will be worth many thousands of dollars.

Phase 2: Taking that web property to the big league by expanding the brand and launching self-branded products to touch $200,000 to $1,000,000 (1 million US dollars) in sales.

You will reach this phase in 9 months to 3 years depending on how much time, energy and effort you put into your online business. I can’t say when you’ll reach this phase but I can promise that you WILL if you continue on the path I show you. In this phase you will develop your brand into a household name and will use all the experience and knowledge that you’ve acquired during content research. In this phase you will learn to source products from China, put your own branding on them and start selling on popular e-commerce websites like Amazon. This will give your business a whole new revenue stream.

Phase 3: Using your product and niche knowledge to create products that are better than anything available in the market. You will go on to make a multi-million dollar business in 5 years.

In this phase you will start innovating products, start filing your own patents and produce products in your own little niche that would be better than anything else in the market. In this phase I will teach you how to turn your very profitable Brand into a multi-million dollar business.

The Details, Getting Started and My Fee:

What you’ve read above is a very brief overview of my foolproof method of creating a genuine business online that makes serious money and genuinely helps the online community. This technique of making money online will stand the test of time and with the right leader go on to become a multi-million dollar business. I charge $200 for sending you Phase 1 of my course which is spread over 6 months and 12 emails full of content, audio and video. Of 100 people who join my course’s phase 1, only 12 go on to join Phase 2 because as I mentioned in this article, 88% people don’t have the patience, will-power, discipline or self-motivation to do this. IT IS NOT EASY! If you choose to go through to phase 2, I charge $3000 for the next 3 months as all material is sent to you over the next 3 months. This material contains everything you need to know to set up a process to import products from China into the US, making the brand bigger, the regulations, the customer service, returns, and profit margins. Of all businesses that complete Phase 2, I personally get involved to take businesses through to phase 3 where I contribute in the innovation of your products and help take your business into the big league.

What’s next:

My course is opening again soon and if you want to be a part of it, please leave your name and email in the form below and we’ll inform you when that happens.

Further reading – Be Inspired!

There are innumerable entrepreneurs making hundreds of thousands of dollars per month from their online businesses – some from Podcasts, videos, amazon, affiliate marketing, adsense, fiverr, ebay, advertising, clickbank and what not, but they all have the following in common: their primary objective is to make their user happy and to satisfy the user’s demands, they’re all honest entrepreneurs who work hard and run processes that are legit and legal and finally they’re in it for the long haul not into the “make money fast” or “get rich quick” schemes.

Here are my favourites:
Learn how Entrepreneur on Fire made a profit of nearly $200,000 last month or how Pat Flynn made a profit of over $100,000 last month. Amy can teach you a thing or two about becoming your own boss. Finally here’s the ultimate inspiration – 50 top earning blogs with their earnings.

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Internet Money reviews

Mobility Aids and Rollators

When do you require a mobility aid?

There are many reasons why mobility devices like walkers rollators are needed. They’re a combination of age-specific and ailment specific reasons. Here are the top 3:

  • The body-weight bearing ability of a person may decrease due to conditions like arthritis, fracture, surgery etc. in which case support may be required.
  • Respiratory problems, aging or prolonged illness can result in fatigue.
  • Dizziness or neurological problems can lead to poor balance.

It’s difficult, both physically and mentally not being able to walk independently without external help. However, the use of rollators can make you feel independent and self-reliant. Rollators ensure safety of the user by reducing the risk of falling, making it easy to get around and even providing extras like a seat, cup holder, tray and/or basket to carry stuff around.

What Is A Rollator?

A rollator is basically a rolling walker or a walker with wheels. It has wheels and brakes to make movement easy and smooth and to provide control during walking pauses. Most good ones have brakes that lock, so users can lean on the rollator slightly or even sit if the rollator has one built in. Rollators with big wheels do well with slightly uneven surfaces. Many people use rollators both indoors and outdoors. Unlike the traditional walker which needs to be lifted with every step you take, a rollator just moves with you as you only have to push it forward in order to move. Rollators are the perfect mobility aid for those who want to remain active and move quickly. 

Difference between Rollator and Walker

Both rollator and walker are for those who have difficulty in mobility. However, there are a few differences between both.

  • The first difference is that the walker has four legs and the rollator has either three or four wheels attached to the legs.
  • In order to move forward the user has to lift and set down the walker with each step, on the other hand the rollator have wheels to move forward and a brake system to control the speed.
  • Walkers are suitable for those people who are mobile enough but are not able to bear weight on one or both legs for any reason such as some sort of surgery. Rollators are suitable for those who have balance and stability issues.

Reasons to Choose Rollators

There are many reasons to choose a rollator for your mobility aid. People, who want to remain active despite of their mobility challenges, should best use a rollator. Those who travel a lot or those who want to spend time outdoors should consider buying a rollator.

  • A rollator is more stable than a walking cane and provides greater support.
  • A rollator is more convenient to use than a walker and provides greater mobility.
  • It provides better support to those who have less endurance and cannot stand for a longer period of time.
  • It is suitable for those who have weak arms or cannot lift weight.
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a man's struggle Achievement business idea Finance Money reviews UK

VentureGiant.com’s Rishi Anand and Tim Lancaster made my day!

This is a little true incident that made my day and possibly, will help my business in a big way, going forward.

I have been planning to set up my own online business and have been inundated with ideas over a long time. Nothing seemed to strike the right balance until I decided to go full throttle with this idea I call Z.  Times are bad, and because of recession (especially in the UK), I have been struggling to find work for my company. I thought this was the best time to actually give my business idea Z a good shot.

One fine day, I decided to look for some help for my idea online so went on and Googled for “Entrepreneur support in London”. VentureGiant.com came up. I found a brilliant web site focused on finding investors for entrepreneurs – a unique platform where investors and entrepreneurs meet, entrepreneurs pitch with details of their business or business idea, investment required, return and other details like time required to break even, projections, industry etc and the facility to upload a video explaining the idea.

I immediately signed up and uploaded details of Z – my business idea that I knew will do amazingly well. I uploaded cash projections, investment required and other details that I thought were important to attract angel investors.

A couple of days later, I got my first enquiry from an Investor. But this was where I was stuck. VentureGiant.com demanded I pay 100GBP to view investor details and to be able to contact the investor. At this stage I wrote an email to VentureGiant.com explaining my cash situation. With hardly any money in the account, it was impossible to shell out that 100 quid for a “possible” enquiry.

Mr Tim Lancaster, Business Development Manager from VentureGiant.com replied back with a supportive email. I explained the scenario and proposed to pay if I find a suitable investor. The call to action was forwarded by Tim to Managing Director Mr Rishi Anand. Tim emailed me back saying “Mr Rishi Anand” will pay for you. “Wow! ” I thought, these guys are serious about finding me an investor.

I was quite surprised to be honest. Most of the other websites are hardly useful, and are aimed at making money, but VentureGiant.com is one site that actually believes in and tries hard to connect Entrepreneurs and Investors.

Although that particular enquiry didn’t convert into an investor, there was incredible knowledge gained.

I am very impressed with the team at VentureGiant.com – Mr Rishi Anand, Mr Tim Lancaster and others who are working to make the two ends meet. I wish them good luck with their venture. Thanks again guys, if you ever come to read this..

Venture Giant - Rishi Anand and Tim Lancaster - Helping investors meet entrepreneurs
VentureGiant.com – People like Rishi Anand (MD) and Tim Lancaster (Business Development Manager) at Venture Giant are working hard to help investors meet entrepreneurs

Have a business idea that you think Rocks?
Is the only thing holding you back money or investment?
Are you willing to share a pie of your business in return for cash to start or run your business?

All Yes’ ?
Go to VentureGiant.com from UK/US or VentureGiant.co.in from India.All the best!

Follow Venture Giant on Twiiter

Article keywords: Rishi Anand, Tim Lancaster, Venture Giant, VentureGiant, VentureGiant.com, Venture Giant UK, Venture Giant India
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Internet Money News

Online Gambling laws in India. Are online casinos, poker and slots allowed in India?

Good question. I did some research on it for quite a bit today and found the following answer: NO! Laws don’t permit online gambling in India.

The only casinos in India reside in the state/city of Goa. These are on yachts that take passengers (gamblers) from the shore, then cruise to International waters to start gambling. News has it that 3 new companies are starting Gambling cruise liners. Result: Indians who go out to neighboring country Nepal to gamble, now need not. They can go to Goa instead. However, these yachts (or ships) charge heavily for their cruises to encourage more foreigners and to keep petty local gamblers off. The Casino Goa (first and only yacht where gambling is legal in India) is owned part by an Australian investor and part by the yacht making company – some Advani.

The Indian 1867 Gambling Act prohibits gambling anywhere on Indian soil except lottery and horse racing. No wonder people flock in their thousands to bet at polo grounds in Delhi. The lottery on the other hand is state controlled.

Some argue that the Indian Gambling act of 1867 doesn’t say anything about online gambling or betting, obviously because the Internet didn’t exist then. But on some law sites experts claim that the same act can be used to prohibit online gambling. There are fines for anyone providing a place to gamble and for gamblers in order of a few hundred dollars or a few months’ prison.

Fact is, India needs a new, clearer, updated Gambling law. It doesn’t make sense for India to allow gambling because of Poverty, but if there are regulations on the amount of money that can be spent per day or per week, per person, then I guess it can become a massive industry in India. Some international companies including Jackpotcity.co.in are flocking to India to test the online casino waters. Time will tell whether they succeed or fail. My personal experience says it will be a success, considering over 30% of all online gamblers are from Asian countries.

Related links:

http://ezinearticles.com/?Online-Gambling&id=1223920

http://answers.google.com/answers/threadview/id/8021.html

http://forums.digitalpoint.com/showthread.php?t=247861

Feel free to post your views: Should gambling be allowed in India? Why?

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business idea Internet Money News

Misspelled keywords costitute 1% of the all market. Reddif? No damnit, it’s Rediff.com

Hillary Clinton speaking - Check the spelling of tomorrow in the background! ;)
Hillary Clinton speaking – Check the spelling of tomorrow in the background! 😉

Misspelled words – keywords, keyphrases market a whopping 1%!

On coming across some top searches today, I saw “reddif.com”, which is a common misspelling of the popular site rediff.com. The other day I attended an internet marketing seminar. They talked about the importance of optimising a site for misspelt keywords. It is estimated that the misspelled keywords’ market is approximately 0.9% to 1%.

Now image, if you start a business, where all you do is, get the top 1000 most searched keywords or keyphrases world-wide, do your research on what are the most obvious and most recurring misspelt versions of those keyphrases are, and create different web sites or blogs dedicated to those mis-spelt (well, it’s misspelled in the US, misspelt in the UK, just so you know I’m not misspelling it 😉 ) keywords. According to our estimate in the seminar, you’ll target about 1% of the entire top 1000 most keywords or keyphrases’ market. HUGE!

A misspelled road sign
A misspelled road sign

If you do that, and further monetise (UK) or monetize (US) it using Google Adsense or any other ads, you’ll be a millionaire in less than 6 months! Now how’s that for a business eh?

There is a catch! – With almost 80% people using Google, and Google becoming more and more intelligent by the day, if you do search for a commonly misspelled word, you’ll be most often shown results with the correct spelling. I hope everyone knows about domain squatting? That’s when mean people book and keep every possible spelling permutation & combination of a popular domain name. How about trying a few combinations for Rediff?

Redif.com – Squatted.
Reddif.com – Squatted, has a page rank 2 (people have linked to the wrong url)
Redifff.com – Squatted, has a PR 1

Can you think of another combination? Go ahead, if it is a possible misspelling, it’ll be squatted. If it isn’t go ahead and squat it. You never know when they come banging on your door, offering you money for that domain, furthermore, by showing relevant ads, you’ll make perennial money anyway.

A common misspelling of facebook.com – FACEBOOOK.com (3 Os) has an alexa rank of under 2000. Thats over a million people every year!!

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Credit Crunch Finance health inspiration Internet Money News reviews US Elections us presidential elections

Barack Obama 30 minute TV ad worth $2 million. A Winner!

3 networks air Obama’s 30 minute commercial simultaneously before World Series baseball.

Barack Obama presidential election campaign short of 2 million dollars.

$2,000,000 well spent? You decide!

Barack Obama 30 minute advertisement
Barack Obama 30 minute advertisement

The infomercial started with soft music, pictures of farms, people waving the US flag and Barack Obama’s voice in the background talking about tough times the US economy has faced in recent times. “Despite the crisis, I still see optimism in American people”: Obama. Seemed like beginning of a classic patriotic movie.

We’ve seen over the last 8 years how decisions by an American president can have a profound effect on history and on American lives. I’ve traveled lengths of this country over the last 20 months. Michelle and I have met so many Americans who are looking for real and lasting change. These are American stories.. I’d like to introduce some of these people tonight.

This followed a case study on Rebecca Johnston – A woman dedicated to her family, with 4 children and a husband who couldn’t afford an operation, only to give their kids better education and cope with rising costs. How they manage within the limited resource, how they try to make ends meet, pay bills.. All this wasn’t a problem at one time, Rebecca Johnston recalls.. when mortgage rates were lower and perhaps also inflation. 

We measure the strength of our economy, not by the number of billionaires we have, or the profits of the fortune 500. Whether someone with a good idea can start a new business.. whether a waitress who sustains a living on tips can take a day off without the risk of losing her job. An economy the honours the dignity of work. 8 years of failed policy resulted in the worst state of ecomony since the great depression.

 Here’s what I’ll do as president (Part 1 – Economy plan):

  • Cut taxes for every family making less than $200,000.
  • Give businesses tax credit for every new employee they hire in the US over the next 2 years.
  • Eliminate tax breaks for companies that ship jobs overseas. (Major impact on outsourcing)
  • Help home owners to pay their mortgages by freezing foreclosures for 90 days.
  • Provide low-cost loans to small businesses to hire more workers and keep their doors open.

Case Study 2: This again follows a clip where a gentleman who should’ve received 1500 dollars, ended up being paid just $379 per month when the company closed down. “Americans who are willing to work should be able to find a job that pays them enough to make a living, and retire respectfully with a decent pension” Barack Obama said.

Ohio governor Red Strickland, Kathleen Sebelius (Kansas governor), Deval Patrick (Massachussets governor) supported Barack’s tax cut, anti outsourcing policies.

Case Study 3: Larry Store and his wife Onida from Sardinia, Ohio, a couple with 6 children who owned their own house, looked forward to retirement, but Onida’s growing medical costs forced them to get a loan against their house. Larry, 72, despite retirement, had to start working again.

Here’s what I’ll do as president (part 2 – Energy Plan):

  • Invest 15 Billion dollars a year on energy efficiency, renewable sources of energy.
  • Create 5 million clean energy jobs in the next decade.
  • Create fuel efficient cars in America.
  • Give tax credit to buy fuel efficient cars.
  • Expand production of gas, coal and oil in the US to reduce dependence on Middle East.

Eric Schmidt (CEO – Google), Tim Kaine (Governor of Virginia) started off by endorsing Obama’s ideas as teh best for America.

Case Study 4: Juliana Sanchez is a widow with 2 children and a mortgage who has dedicated her life to giving good education to her children. With a day that starts very early, Juliana works 2 jobs and undergoes teacher training. All, just to provide good education to her 2 kids.

Every parent in America wants the same thing – Good education for their child. Responsibility for our children’s success doesn’t start in Washington, it starts in our homes. No education policy can replace a parent who’s involved in his child’s education from day 1, who makes sure children reach on time, helps with the child’s homework and attends the parent-teacher conferences. No government program can turn off the TV set, put away the video games or read to your children.

To show he personally understood and has faced similar hardships, there was a clip where Barack Obama said “I had met my father only once when I was 10. My mother used work fulltime, she used to wake me up 4:30am and we used to go through my lessons”. 

Here’s what I’ll do as president (part 3 – Education & Healthcare):

  • Tax credit to cover tuition at public colleges and universities in exchange for serving their community or country.
  • Improve Information technology for use in healthcare.
  • Provide coverage for preventive care and pre-existing conditions.
  • Lower healthcare costs for families at just $2500 a year.

Talking of healthcare, he talked about how his mother died of cancer so suddenly and how big a shock that was. Add to that video clips showed Obama with his two daughters and how he read all Harry Potters with them.

Dick Burbin (Senator Illinois), Claire McCaskill (senator Missouri), Joe Biden (senator Delaware) talked about Obama’s leadership skills.

Barack Obama then moved on to talking about Joe Biden. He has the best foreign policy experience, father lost his job, we share the sense of where the country needs to go. (Things we’ve heard before.)

Case Study 5: Mark and Melinda, who were both sacked from their jobs due to the economic crisis are struggling to make ends meet..

“I learnt from a very early age from my grand parents how important it is to defend liberty. ” Obama

Here’s what I’ll do as president (part 4 – Military and Defence):

  • Rebuild military to meet 21st century challenges.
  • Implement tough direct diplomacy to prevent Iran from obtaining nuclear weapons, curb Russian aggression.
  • Focus on finishing the fight against Al Qaeda and the Taliban in Afganistan.

John Adams, retired Brig. Gen. US Army supported Barack Obama’s presidency saying he has the capability to be tough and sensitive to the constitution and people at the same time.

Watch the entire 30 minutes of infomercial here :

(Cannot download on this site online. This can be downloaded only using Realplayer and going to Youtube at youtube.com)

Part 1

Part 2

Part 3

Part 4
 

 Overall

In the 30 minute informercial, almost all case studies revolved around education, mortgages, retirement pension, and the war. As much as I liked and enjoyed those 30 minutes, I’ll have to say that the commercial could have covered much more. Rather than tax rebates to people for cars, small businesses, recruitment in the US, clean energy, I think what we need is tax free “private” education, which is expensive and the root cause of every modern middle class person’s financial struggle.

Overall, a very well planned and executed 30 minute infomercial that will have a big impact on his campiagn. Without naming Mccain, Palin or any opposition (to the contrary, there was a statement where Obama was quoted saying “We’re not republicans or democrats, we’re Americans”), Barack Obama has thrown a winner just days before the D day!

Categories
Credit Crunch Finance Money News

Icesave is saved: British investors getting money back! I’m saved!

I heard on the grapevine that an ex-senior employee of the FSAcommented at a gathering last week that investors with money in Icesave would not be seeing their cash until February. I, having moved all my ISAs (i.e. my life savings) to the fab guaranteed interest rate ISAs offered by Icesave, in the last week of May 2008 was not impressed. What luck! Moneysavingexpert.com’s Martin had been singing the praises of Icesave and telling “moneysavers” (as he calls the readers) what the (low) risks were for months. I had done his money makeover: got the Halifax 0% interest credit card for a year, fixed my electricity rate, lowered my phone bill, switched my current account to Alliance & Leicester (now owned by Santander, one of the biggest banks in the world as they keep telling us in bold red writing for the last week – do they think that means anything after the carnage we’ve seen in the last month?… in fact doesn’t that just make them seem riskier?!) and. Where was I? Oh yes, I had moved three years worth of ISAs to Icesave. Only the sheer convenience of having my regular savings at hand in a Plussaver account attached to my Premier Direct Alliance and Leicester current account had stopped me from handing my life’s sweat and blood over to Icesave. Who’d have thought that the economy of Icelandic bank Icesave, infact Iceland as a whole, was not as solid as ice?

Thankfully I was in the U.S watching the Dow Jones nose dive when the collapse of Icesave was announced. And, having had enough of hearing about the beginning of the end of the world as we know it, I tuned out of the news for a few days on my return. So I didn’t find out about what had happened to Icesave until the British Government announced that it would be backing all British savers’ investments in the collapsed Icelandic bank and moving things forward to retrieve the funds as soon as possible. Of course, no doubt, this was helped heavily by the fact that a number of local councils had their cash stashed with Icesave, as did many charities. Which reminds me, can anyone tell me why a cat charity should have £50 million in savings? How many old cat loving spinsters did they have to knock off to build that stash?!

Anyway, harmony has been restored to my world (or savings at least) by the announcement on Friday 24th October that Icesave, the Icelandic Government (of bankrupt Iceland, which has been lent $2.5 billion by the IMF) and the British Government had reached agreement on the return of our dosh, and had promised to guarantee return upto £50,000. By 3 November investors will be hearing from the FSA (Financial Services Authority) or was it the Financial Services Compensation Scheme (FSCS) regarding return of retail depositors money. Hopefully it’ll be a quick process involving online application for the return of your savings. For those of you who are thinking “what happens if one doesn’t have internet access?”, well (1) you wouldn’t be reading this if you didn’t and as you are, really, stop worrying about everyone else and (2) Icesave was mainly dealing with internet applications from retail savers so everyone affectedprobably has access. Speedy payout is promised, but what that means is your guess as much as mine. Hopefully with the FSA and FSCS involved it means payout before February, but that rumour I heard is still bothering me. I’m losing tax free interest on my savings as you read this! Good news is that (somehow) it will be ensured that the ISA status of ISAs with Icesave is retained. Sounds like an administrative nightmare to me.

Totally unfair on me and many other ex-Iceland fans that ING purchased Landesbanki and no one wanted Icesave. That’s the last time I’ll be putting my money in a country that melts away at the sign of financial trouble, let alone global warming! I mean, imagine, we could have woken up one day to news that Iceland had melted. What was I thinking back in May 2008, whistling away in the financial bubble?!

For further information go to: icesave.co.uk and http://www.fscs.org.uk/

<special thanks to guest writer CityWannabe on CafeArjun.com>