How to build profitable websites- learn from holly cotter

All of us have dreamed about building a home business that is profitable and rewarding. Just think about it, no boss, plenty of time for you and your family and the ability to save money (no gas for that awful commute, no expensive work clothes and fresh hot lunches straight from your kitchen). Now you're thinking, "Okay everybody dreams about it but how do I go about implementing it?" In Holly Cotter's course "Secrets Of Multiple Passive Profit Streams," you will learn exactly how to create your own very profitable home business.

Although the course is not cheap, it was worth every penny to establish my financial freedom and should give me a secure future. Holly details how to build your business with internet websites with every step explained thoroughly. And you do not need extensive computer knowledge. I am technology challenged and Holly's course was easy to follow and use. The course comes on audio and video CD's and work books so you can really study every step involved in building websites that generate profits. Her system allows you to set up websites on the internet that you can walk away from and let the computer do the work. This allows you more time to set up additional websites.

Years ago Holly was a Child Care Worker with little income and struggling to pay bills. Then her husband had a massive heart attack and could not work, leaving Holly to care for him and having her parents to pay the mortgage. It was then she decided to build a home business that would free her from the "hand-to-mouth" syndrome. And, yes she fell for some of the "get rich quick" schemes until she hit on her highly profitable system. All of her research and hard work paid off, she received the Top Business Developer Award in 2000.

Her system takes a truly hands-on-approach that I've never seen in any other Marketing gurus eBooks, courses or seminars. And just like Holly, I've purchased many other systems that just didn't live up to what they advertised. With "Secrets of Multiple Passive Profit Streams" you can build your first website in about a day and it gets easier and takes less time with each one you create.

It will take a little time to learn all of the intricacies of building your website but once you "get it" you'll be building websites and profit streams quickly and easily.

In her course Holly asserts that anyone, regardless of their business or profession can use this proven system to build their own Passive Profit Streams. When I first read about this course I was skeptical because of my limited computer knowledge. After going through the CD's and work books however, Holly's claim that anyone can be successful with this system is 100% right on.

The only thing I felt that would make this course even better is a few more hints on finding specific markets to pursue.

I feel totally comfortable telling you that "Secrets of Multiple Passive Profit Streams" fulfilled the promises it made to me in the sales literature with nothing left unanswered.

If you are serious about breaking free from the 9 to 5 rat race, Holly's course is a "must get" . If you want to quickly learn how to build profitable websites, than I give "Secrets of Multiple Passive Profit Streams my highest recommendation and a 9 on a scale of 1 to 10.

In addition to this valuable course you get one full year of monthly coaching calls from Holly and further access to her on the student forum and help desk. This is a very fair and impressive package. Holly sincerely wants everyone to be successful. Holly continues to teach various ways of building passive profits and strategies to her students.

Copyright © Mary Hanna All Rights Reserved.

This article may be distributed freely on your website and in your ezines, as long as this entire article, copyright notice, links and the resource box are unchanged.

Cutting prescription drug costs

There are a number of ways to cut prescription drug costs-without sacrificing safety or effectiveness. Try these tips:

• What's In A Name?-Finding generic versions of name-brand drugs can cut costs by a significant percentage. For instance, people who take one of the more popular cholesterol-lowering drugs could save about $175 per prescription if they stuck to the generic versions.

• Finding Generics-Your pharmacist or doctor can tell you if the generic version of a drug is readily available in the U. S. You can also check with groups such as 1-800-USAVERX. The company gets drugs from FDA and World Health Organization (WHO)-approved facilities overseas. These markets do not have the same pricing regulations and patent laws as those found in the U. S. As a result, the company can offer generic versions of name-brand drugs-even if those generic versions are not available in U. S. pharmacies-at lower prices. Additionally, it offers name-brand drugs at significant discounts (about 60 percent) compared to U. S. prices.

For instance, Nexium is sold in the U. S. at a price of about $420 per 100 pills. The company offers the same pills for about $320. The generic version of the drug sells for about $200. Similarly, those taking a name-brand arthritis drug that sells for about $260 in the U. S. could get the same drug for about $180 from the company. The generic version would cost about $105. In addition, people can visit the site for discounts on Lipitor, Plavix and Fosamax.

The site also carries lower-priced versions of brand-name HIV/AIDS drugs as well as generic versions of the drugs that are not available in the U. S. The site gets its HIV/AIDS drugs from the same companies that sell the drugs to the Clinton Foundation's AIDS project.

All the drugs offered on the site are priced lower than they are on the Medicare prescription drug plan and it offers the most popular medications for your pets as well.

• Safe Alternatives-The company deals only with drug facilities that are approved by the FDA and the WHO, meaning the safety and efficacy of its drugs are strictly regulated. Additionally, the brand names it offers are identical to the brand names available in the U. S. Also, the company only deals with people who have prescriptions from doctors.

• An Ounce Of Prevention-Taking steps to control your health may also help control your drug costs. Talk to your doctor about ways to manage your condition or to prevent health problems from happening in the first place. Simple things, such as exercising regularly and eating a balanced, lower-fat diet, could help keep you and your wallet in shape.

Cheap credit cards help to leave fees behind

Low interest credit cards are cards that provide significant purchasing power for consumers while minimizing their overall debt load. The term may seem ‘bargain basement’, but it is making sense to more and more consumers.

You should consider all fees while searching for a low interest credit card featuring, including annual fees, balance transfers, and any extra applicable fees.

Extra Fees

Credit card fees can often be avoided, but still require a thorough understanding. When these fees are all present in a credit card offer it may be wise to avoid the offer altogether. Some fees will be unavoidable, but others are completely avoidable.

Various extra fees include:

-Late payment fees

-Set-up fees

-"Over-the-credit-limit" fees

-Return items fees

-Fees for orders made by telephone

Balance Transfer Fees

Low Interest credit cards are often used in transferring balances from a higher interest rate credit card to a new lower interest rate card. Be sure to check if there are fees attached to any balance transfer. The best cards will offer no transfer fees or exceptionally low introductory annual percentage rates (APR). If transfer checks are included, make sure you understand if a fee is attached to the use of those checks.

Annual Fees

Credit card offers will generally list the amount required as an annual fee. Many cheap credit card offers have eliminated this fee in "general use" cards, but may still require them for their respective rewards programs. Make sure to understand what annual fee is being charged and if it makes financial sense for your situation.

If you are a consumer who pays your credit card off each month then it is important for you to make sure you find a card with the fewest fees. Cheap credit cards come in a variety of configurations and quick paying consumers can be penalized for accepting a card that contains fees that can be assessed even when the card is not being used.

Are These Fees Hidden?

Credit card companies must list all fees associated with your card preference when you apply. Reading the offer in its entirety is the only way to assure you have the knowledge needed to make wise use of the credit card.

Overview

Cheap credit cards are often defined by their lower interest rates and fewer added features such as extravagant rewards programs. In fact, several cheap credit cards have rewards programs, but the rewards may be fewer or less expensive.

The credit card marketplace is highly competitive, which has resulted in a wide variety of choice in the arena of consumer credit. By understanding the various aspects of consumer credit, you have the power to select a card that best fits your lifestyle and spending habits.

An online search of the credit card offers that match your needs is a beneficial way to compare the variety of facets of a credit card offer. When a consumer is successfully matched with the best credit card for their situation, it reflects a sense of consumer empowerment that is growing with every online credit card comparison.

Reducing your credit card debt one day at a time

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Debt reduction, a lofty goal, is also extremely difficult to carry out. As long as swiping your card feels easier than paying cash, you’ll find yourself stuck in a downward spiral of credit card debt. Continued use combined with high interest charges means your credit card debt will just keep growing over time. A good offense is the best defense; stop the cycle now and take steps to free yourself of consumer credit card debt.

Here are some credit repair tips that can help you dig out from under a mound of debt:

• The first, most important step - reduce your spending. Before you embark on a plan to pay off your debt, you have to commit to not accumulating any more. Get rid of all but one credit card; keep this card for use in emergencies only. Make sure the card you keep has a low credit limit and a low interest rate.



• Transfer your existing balances onto a card that offers a limited-time 0% interest rate on balance transfers. During that period, maximize your payments; your money is going entirely to pay down the principle because there is no interest accumulating. You can transfer your balance more than once if necessary; jut watch the mail for offers from your credit card companies. If you don’t have a card that offers a 0% rate, then transfer your balances onto the card with the lowest rate. Reducing your interest even slightly can have a dramatic effect on your balance; the more you owe, the more this transfer will save you money.



• Set up an automatic payment with your bank. Automatic payments ensure your payment is made in full and on time every month, which will help you with your credit repair. Some credit cards will agree to lower your interest rate if you are making automatic payments so talk to your customer service associate to see if you can negotiate.



• Consider a debt consolidation loan. By consolidating your debt, you can reduce your monthly payments and cut your interest payments. These loans usually charge with a much lower interest rate than do your credit cards so you will save money in the long term. Because you will only have one bill a month to pay, you are much less likely to send it in late or to forget to send it.

Christmas cookie recipe chocolatey church windows

When it comes to the holiday season, there are just certain things we can’t live without. Or at least, there are certain things we think we can’t live without. One of those items for me is a family Christmas cookie recipe that has been handed down for at least three generations. It’s called Church Windows.

Now, this nifty little cookie gets its name because it resembles a stained glass “church” window. The chocolate will form the frame and the marshmallows are the colored “glass” inside. Take my word for it, because if you see a plate of these cookies go by, grab one. I’ve never seen anyone sit and study the design, only devour the cookie.

Even though this cookie doesn’t have any decoration on it that resembles Christmas, like a tree or Santa Claus, it is only made near the holidays. Why? I’ll never know, nor will I ever make it during a “non-holiday” time of year! Family tradition says so!

So, what makes this little cookie so great, you ask. First, it is simple to make. The kids can play a large role in making them, however they need supervision since it involves use of the stove. Second, they are very colorful and brighten up any holiday dessert table. Last, they have chocolate in them! What else needs to be said? Without further ado, here is the recipe for Church Windows.

Church Windows

1 package semi-sweet chocolate chips (milk chocolate won’t work, I’ve tried)

1 stick margarine (NOT butter)

Ѕ c walnuts, optional

1 10 oz bag of colored marshmallows

2 c coconut

Wax paper

In a large saucepan, melt the margarine and the chocolate chips over medium heat. Stir often and watch closely so the chocolate does not scorch. When the mixture is completely smooth, set aside to cool slightly, for about five to ten minutes.

While you are waiting, prepare the wax paper. Tear off two sheets that are both approximately 18” in length. Lay on a flat surface. Cover each sheet evenly with 1 cup of the coconut.

When the chocolate mixture is slightly cooled, stir in the walnuts and the marshmallows just until coated. Stirring too long will make the marshmallows melt (and that’s bad!)

Pour half of the mixture on the prepared wax paper lengthwise, in order to form a log. Pour the second half on the second sheet of wax paper. Using the extra coconut on the wax paper, cover the top of the chocolate mixture. The coconut will prevent the wax paper from sticking in the future. Take one side and roll over the mix, and keep rolling to form a log. Shape it so it makes a nice circle. Twist the edges so they are secure and to keep coconut from escaping! Immediately place in the fridge or freezer until they harden, at least 6 hours. When hardened, slice off Ѕ to 1” thick slices.

Church Windows can be stored in the refrigerator or the freezer one month. Keep in an air-tight container or bag to keep it from drying out.

The power of thought

Look around you. Perhaps you see a chair. This chair is real and exists in time and space. Yet before it came into being, it first existed as a thought. In fact, everything in the room existed as a thought at some point in someone’s mind. Who you are today and the reality you have created are a result of your thoughts - your thoughts about what is possible and what’s not. These thoughts are influenced by your spirituality – your purpose - who you see yourself being, and your beliefs and values.

It is said that a person has over 60,000 thoughts every day. That’s over forty thoughts a minute! Yet, of the 60,000 thoughts you have today, ninety percent of these are the same as the 60,000 you had yesterday and the day before, leaving little room for new thoughts. No wonder life can seem tedious at times. Unless you start to think differently, you are destined to continue to create and repeat the same old reality every day. Is it not time to change your thoughts, live your dreams and let reality catch up?

Most of our thoughts and actions are habits, and we go through the same motions each day, with little change in our behaviors or outlook. What would happen if you challenged these habits or customs? If you were to step out of your comfort zone and explore new ideas or new ways of doing things? Would your life not change as a result?

Often our thoughts are about not measuring up, being incapable or inadequate, avoiding failure or beating ourselves up because we did not say or do the right thing. Just as thought preceded the creation of the chair, your thoughts precede the reality that you create for yourself.

The future lies ahead of you, determined by your current thoughts. These are the only thoughts over which you have any control. What thoughts will you choose for yourself that will be the cause of a different future for you?

Thought is a form of energy. Does this energy propel you forward or hold you back? You have a choice about the thoughts you think. How many times in the past have you chosen to disregard your positive thoughts and focus on your negative thoughts? At this moment, if you were to be at cause and to focus on your positive thoughts while discounting your negative thoughts, how would your life change?

“You become what you think about.”

– Earl Nightingale

To realize your dreams, pay attention to what is happening around you. Be curious. Notice how your thoughts about yourself, your thoughts about others and your thoughts about what others may be thinking of you influence what you are able to achieve. Start to think, see and experience things, people, places and events in new ways. Recognize what happens when you begin to think differently about yourself and what you are capable of achieving.

Compact flash memory and data recovery

Flash memory gets its name due to its microchip arrangement in such a way, that its section of memory cells gets erased in a single action or "Flash".

Both NOR and NAND Flash memory were invented by Dr. Fujio Masuoka from Toshiba in 1984.The name 'Flash' was suggested because the erasure process of the memory contents reminds a flash of a camera, and it's name was coined to express how much faster it could be erased "in a flash". Dr. Masuoka presented the invention at the International Electron Devices Meeting (IEDM) held in San Jose, California in 1984 and Intel recognizes the potentiality of the invention and introduced the first commercial NOR type flash chip in 1988, with long erase and write times.

Flash memory is a form of non-volatile memory that can be electrically erased and rewrite, which means that it does not need power to maintain the data stored in the chip. In addition, flash memory offers fast read access times and better shock resistance than hard disks. These characteristics explain the popularity of flash memory for applications such as storage on battery-powered devices.

Flash memory is advance from of EEPROM (Electrically-Erasable Programmable Read-Only Memory) that allows multiple memory locations to be erased or written in one programming operation. Unlike an EPROM (Electrically Programmable Read-Only Memory) an EEPROM can be programmed and erased multiple times electrically. Normal EEPROM only allows one location at a time to be erased or written, meaning that flash can operate at higher effective speeds when the systems using; it read and write to different locations at the same time.

Referring to the type of logic gate used in each storage cell, Flash memory is built in two varieties and named as, NOR flash and NAND flash.

Flash memory stores one bit of information in an array of transistors, called "cells", however recent flash memory devices referred as multi-level cell devices, can store more than 1 bit per cell depending on amount of electrons placed on the Floating Gate of a cell. NOR flash cell looks similar to semiconductor device like transistors, but it has two gates. First one is the control gate (CG) and the second one is a floating gate (FG) that is shield or insulated all around by an oxide layer. Because the FG is secluded by its shield oxide layer, electrons placed on it get trapped and data is stored within. On the other hand NAND Flash uses tunnel injection for writing and tunnel release for erasing.

NOR flash that was developed by Intel in 1988 with unique feature of long erase and write times and its endurance of erase cycles ranges from 10,000 to 100,000 makes it suitable for storage of program code that needs to be infrequently updated, like in digital camera and PDAs. Though, later cards demand moved towards the cheaper NAND flash; NOR-based flash is hitherto the source of all the removable media.

Followed in 1989 Samsung and Toshiba form NAND flash with higher density, lower cost per bit then NOR Flash with faster erase and write times, but it only allows sequence data access, not random like NOR Flash, which makes NAND Flash suitable for mass storage device such as memory cards. SmartMedia was first NAND-based removable media and numerous others are behind like MMC, Secure Digital, xD-Picture Cards and Memory Stick. Flash memory is frequently used to hold control code such as the basic input/output system (BIOS) in a computer. When BIOS needs to be changed (rewritten), the flash memory can be written to in block rather than byte sizes, making it simple to update.

On the other hand, flash memory is not practical to random access memory (RAM) as RAM needs to be addressable at the byte (not the block) level. Thus, it is used more as a hard drive than as a RAM. Because of this particular uniqueness, it is utilized with specifically-designed file systems which extend writes over the media and deal with the long erase times of NOR flash blocks. JFFS was the first file systems, outdated by JFFS2. Then YAFFS was released in 2003, dealing specifically with NAND flash, and JFFS2 was updated to support NAND flash too. Still, in practice most follows old FAT file system for compatibility purposes.

Although it can be read or write a byte at a time in a random access fashion, limitation of flash memory is, it must be erased a "block" at a time. Starting with a freshly erased block, any byte within that block can be programmed. However, once a byte has been programmed, it cannot be changed again until the entire block is erased. In other words, flash memory (specifically NOR flash) offers random-access read and programming operations, but cannot offer random-access rewrite or erase operations.

This effect is partially offset by some chip firmware or file system drivers by counting the writes and dynamically remapping the blocks in order to spread the write operations between the sectors, or by write verification and remapping to spare sectors in case of write failure.

Due to wear and tear on the insulating oxide layer around the charge storage mechanism, all types of flash memory erode after a certain number of erase functions ranging from 100,000 to 1,000,000, but it can be read an unlimited number of times. Flash Card is easily rewritable memory and overwrites without warning with a high probability of data being overwritten and hence lost.

In spite of all these clear advantages, worse may occur due to system failure, battery failure, accidental erasure, re-format, power surges, faulty electronics and corruption caused by hardware breakdown or software malfunctions; as a result your data could be lost and damaged.

Flash Memory Data Recovery is the process of restoring data from primary storage media when it cannot be accessed normally. Flash memory data recovery is a flash memory file recovery service that restores all corrupted and deleted photographs even if a memory card was re-formatted. This can be due to physical damage or logical damage to the storage device. Data even from damage flash memory can be recovered, and more than 90% of lost data can be restored.