Author: Blanch Harper

I operate three web pages right now and I am trying to figure out what I need to do to generate a significant amount of passive income. In fact I am not really interested in turning it into a full time job, not unless I come up with something that looks like hitting the jackpot. That does not really seem like much of a likelihood to me. If I look at my affiliate income report right now it comes up with something which you can not dismiss out of hand, but which is not going to change the way that you live your life very much. Instead this is a sum which would pay my cell phone bill and a fair part of my cable TV bill. That is not something you can turn your nose up to, but I am looking for a way to generate enough money to both increase the number of web pages that I have and to pay off all of my obligations. More web pages would obviously mean more work and you are not going to generate much money unless you are putting work into the process. People have to have something to keep their interest up. They are not going to keep coming back to see the exact same thing. The way that best serves that purpose is to have an interactive element to the sites. You want to engage the viewers in a discussion and perhaps you add some sort of competition to the web page. That is what I have been trying to do lately, although some of my ideas have not worked as well as I might have hoped that they would. You have to keep trying to get a bigger audience though. That is how you are going to generate the income.

Read More

A Short Sale Saved Us

Posted by September 7, 2015

When my husband lost his job, we did not think it would take long to get a new one. Well, it didn’t, but it was also located nearly 300 miles from where we live. He went there to take it, and he rented a small apartment. We had taken on too much though, and we knew we could not afford two households. We were not able to sell our house, and we fell behind on our mortgage payments. A friend told me to look up information on short sales in NYC because it could possibly help us.

I was mostly worried about the house being foreclosed on, and then our credit rating would take a huge hit. We are struggling as it is, and I knew that the struggle would be even greater should we have a foreclosure on our credit score. I was at my wit’s end, not knowing what to do, so my friend’s suggestion really helped me out. I did research everything about short sales, and I realized that it was probably the only thing that could help us at that point. The best thing that happened while I was researching all of this was finding a company in New York City that helps people like us.

I was able to get a consultation with them, and they could definitely sympathize with our situation. Even better, they were able to provide valuable help and advice to us. We did end up going with the short sale since that was not going to affect us as much as a foreclosure would, and it was such a relief to finally be able to put that house behind us. This taught us a very valuable lesson too, and we no longer take on more than we can chew, which is what got us in that mess in the first place.

Read More

Of course I say that, but there is a caveat obviously. Want to get the very fastest Internet, but like any other person I want to get the best deal that I can get. If I could some how find a way to save on fiber internet that is definitely what I would like to do. Of course the problem is that it is going to be really expensive to get the sort of thing that I would wish for. I know these three guys who share this place near the campus and they have fiber internet. It really moves at a brisk pace, especially compared to the speed of a normal cable broadband connection. I start to have really big problems with my connection to congestion. That is not uncommon obviously. When you think about it the cable company is not really interested in how to give you the world’s best internet. Instead they are out there trying to make as much money off of their services as they are able.

So you can be sure they are selling a lot of the same thing you are getting to all of the people in the homes up and down the street you live on. At prime time each night you can be sure that nearly all of those people are at home and awake and they are going to be using the internet. I am using watching a movie on Netflix at that time. I am guessing that I am not the only guy who is doing that and there will be people downloading stuff and so forth. It causes the network to clog up and you can be sure that the movie you are watching is going to bog down. Of course you have to download the movie if you do not like it.

Read More

Cable TV is a must have these days, there are so many shows out there that even if you just blindly pick a few to watch you will likely be able to get something that you enjoy. There are other options to cable, but lets be honest nothing beats watching it the night of release, even if you have to watch a few ads, we all tune in to watch it as soon as possible. If you don’t have cable yet and you’re looking into it, try out this link It can help you find some cable in your area, trust me when I tell you that you wont regret picking up cable. Even if you tried it years ago and didn’t like it, I suggest you go ahead and give it another shot, the way that we watch tv and the types of shows out there have changed drastically over the years.

I watch quite a few shows that are on cable right now, one that I specifically love to watch right when it comes on is the walking dead, it is a wonderful show that has so much going on that it’s pretty great to watch it the day of and then you can chat with your friends about it the next day. If I were to lose that ability I think it would sort of ruin the show for me, especially if someone spoiled it for me before I got the chance to watch it. So for that reason I always make sure to watch it either right when it airs or the rebroadcast a few hours later. There’s no way I could wait for it to show up on some kind of VOD service that would make me wait and miss out on that valuable bonding time with my friends.

Read More

The other morning I got an email which did not get caught up in my spam filter, although I suspect that it should have. It was an ad from a guy who did a great job of looking like an investment professional. He said that he represented the best binary option broker with great awards winning trading platform. I had no clue what any of that meant, but I was busy and I did not really have time to worry about it. Then I looked in my email later on and I decided that perhaps I should figur out just out of curiosity. After I did I got to wondering what sort of person would think it was a good idea to put their money in this sort of thing, because when you look at it there are only two possible outcomes to one of these things. That is what the binary thing means. In essence you will be placing a wager on some thing, which could be the price of a commodity for example, or it could be virtually anything.

If you win the wager, well you make money. I am not quite sure whether or not you double your investment or what. I suppose it depends on the terms of the option you take out. If you lose your wager, that is the end of it all. It is the end of the money that you put in it as well. It is not like buying a stock, where it is very unlikely that the value of the initial investment will ever totally vanish. At least if you buys something like GE or AT & T it is going to go up and down, but it will remain something of value. Perhaps you could buy some oddball stock where the value would vanish.

Read More

I started thinking about this as a practical matter more than anything. I have gotten far enough in Med school that I can start thinking about specializing and it seems obvious to me that you can do stuff that is a lot more riskier than other things. Surgery is where a lot of the hot shots want to go, but I am thinking it is a messy business. Aside those guys never see any solution other than to cut you open. I am thinking about the opposite approach. At a clinic I visited, they did fillers for nose jobs. That is what you call non invasive rhinoplasty. I was thinking that the idea behind it was pretty solid, and more to the point it fits in with that thing Hippocrates is supposed to have said, First do no harm.

Obviously if you have a cancer, then cutting it out may well be the only real choice. Then you still need to kill anything you miss with chemo or radiation of some sort. In the future I believe we shall probably determine alternatives to the last part. I would guess that they will be able to find just the right type of radiation that will target exactly what needs to be targeted and do no harm to the rest of the body. It is obvious that elective surgical procedures should be replaced by something less hazardous to the patient where it is possible. Botox injections are not something that you have to have, people have them done because they think it will make them look younger. If they look younger then they will feel as though they are younger and this will increase their happiness. In theory that would be good for their health, but it is better if they actually are healthier.

Read More

This thing here came about pretty quick and we had to bust tail to get it done. The place is a long way from perfect, but it is very inexpensive and it is not that far out of the way for us. The big thing was getting the down payment together, but my Dad and Emma’s grand dad lent us the extra bit that we needed. It is about twenty minutes to work for me, but less for her and that is not much worse than the apartment was. The rent was more too. Looking at TV deals from Directv at the moment and trying to figure out if we can afford that at the moment. I am thinking that we are going to just do with none of that for a bit. The whole thing was a bit of a stretch and we want to save up some money for emergency situations. Like for example last year the the transmission on Emma’s car froze up on her and it cost us fifteen hundred dollars to replace it. You need money in case you run into that sort of bad luck.

It is not that unusual to have a big car repair bill or all sorts of other stuff and I always like to have some money saved up. I got to get the Internet hooked up, that is something I have to have for work and because I have the usual sort of internet dependency that you find with a lot of people these day. Of course I could probably do a lot of stuff on my phone, but that would not be a practical or cost effective solution to the issue in my opinion. It is pretty tough to find a good internet connection at good rate though.

Read More

... cookies privacy loading personal and home home insurance buildingsA couple of years ago, I had to take out a claim on my homeowner’s insurance, and ever since then, my homeowners insurance has been at a significantly higher rate than it was previously. I though that the premiums would go back down by now, but they have not, and that is very frustrating to me. I hope that I can find a better deal though, because I am tired of waiting for my premiums to go back down, and I think that I would like to find a better company to get my insurance from.

I am going to look for companies in the area, that have good rates for their home insurance. If I am able to save maybe 20 percent on what I am paying rate now, then I would consider that a personal victory. However, as long as I am able to save money, I will be fairly happy.

Read More

It was a hard a decision, but I have decided to open up an office in Singapore in the near future. We already do a lot of business with companies based in Singapore, but we should be able to do a lot more business, with an actual physical presence in the company. And that is my reasoning for finding an office in the country. I am looking for deals on office space for rent in singapore. I am going to try to find a good deal on office space, because the less money we have to spend on starting up this Singapore office location, the better off we will be.

I am optimistic about this entire venture, and it should help improve some of our business relations, with other companies that are based on Singapore. I am hoping that I will be able to figure out a way make the transition go as smoothly as possible. I think that I might actually have to take a trip to the country, to help oversee things, even though I was not initially planning to do any traveling.

I would like to inspect the offices though, before we rent them out. Because, I want to make sure that they will make for a good working space for my employee. I am not planning on hiring any more employees for this venture, but it might be necessary to hire at least one more person. I have not made a final decision yet though, and I have some more to think about, before I reach a decision. It might really be helpful to have an employee that is actually from Singapore, and it could do a lot to improve business relations with other companies that are based in the country. I think I might do it.

Read More

I do not know much about air conditioning systems, or how they work. But I know enough to realize that there is not any coolant left in the system at my house. The coolant was recharged not that long ago, so I am guessing that a fairly serious leak developed at some point in the last few months. I do not want to speculate as to what could have happened, but I need to look into ac repair in morris county nj as I would like to get this problem taken care of quickly.

Right now, the temperature is not too hot outside. However, it is still 78 degrees in the house. That is not dreadfully hot, but it is hotter than I would like it for me. The problem is not so much with my comfort, but with the comfort of my mother. She is quite elderly, and does not handle the heat well. She has been staying in the basement, since I discovered that the air conditioning was not working. It is a good bit cooler down there, but if the air stays off long enough, then there will be no place to hide from the heat.

One of the biggest problems that not having air conditioning presents, is that it pretty much precludes the possibility of cooking in the house. If I were to cook food right now, then it would definitely heat the house up above 80 degrees. As such, I have been eating cold food, and buying food from restaurants. It is not ideal, but I have food in the fridge that needs to be cooked. So hopefully, I will be able to get the air turned back on within the next couple of days, before food starts to go bad, and I have to throw away things.

Read More

I am going to want to hire a maid in the near future, because my oldest daughter just moved out of my house, and I do not have anyone to clean for me anymore. Of course, I am going to miss my daughter, for a lot more reasons, than just her cleaning. But it still leaves me with a problem. I am not going to clean my own house, because I do not like cleaning. I am looking into maid agencies in singapore and I want to find the top rated maid company in the area, to hire a maid from.

I am a bit worried about hiring a maid, because it is not something that I have ever done in the past. It makes me a bit nervous, and I hope that I am able to get a very good maid for the job. I would like a maid that is very enthusiastic about the job, and able to complete all of the tasks that will be necessary, in a short amount of time. I just value my privacy, and do not want to have the maid sticking around the house, longer than necessary. It is nothing personal towards the maid, of course.

Anyway, it makes a lot of sense to go through a maid agency, instead of trying to hire a maid on my own. Hopefully, all of the maids from an agency, have received proper training, and understand how to rigorously clean a house from top to bottom. My daughter did a great job cleaning the house, and I think she took pride in keeping the house clean. Hopefully, I will be able to hire a maid that can meet those same standards of excellence. Otherwise, I am probably not going to be very satisfied with the maid.

Read More

I guess that I am just about ready to move into the cabin part time. I just got the satellite dish hooked up and now I am looking for the best deal on some programming. If you click here you will see what I am looking at right now. It is not as though you can get any other sort of TV here, not even from an antenna. There is not any cable here, in fact there is hardly a good road to this place and the easiest way to get there is to drive to Indian Point and get the boat in the water. It would take about forty minutes to get there from the marina by car, but it’s only about ten minutes by boat.

Of course this is a bit of a problem if there is a storm and I think that I am going to need to buy an old truck to leave up at the cabin. That way I can just have a vehicle at both the cabin if needed and usually I can leave the truck at the marina. That is what makes the most sense unless the weather is so bad you do not want to be in a boat. We are out on the lake a lot, but I do not like that when it is a lot of lightning and such. I am not afraid of the rain, but I am not foolish enough to want to be out in the middle of a lake while there is a lot of lightning. It probably will not strike you, but the odds are a lot more on your side if you do not press your luck. It is for sure that you will get struck by lightning far less often if you are not a fool.

Read More

With prices rising across the board for many goods and services, many are looking for ways to lower their bills anyway possible. This is especially true since incomes have not risen at the same rates so it’s essential to budget for these increasing costs on the same salary. One area that should be explored for potential savings is on your energy bill. With energy deregulation in many states, it is possible to shop around for a retail energy supplier such as ambit energy that can offer competitive rates that help to lower your monthly bill.

Although it was widely publicized when it first happened, many customers have a hard time understanding energy deregulation and how it can offer monthly savings on their bills. Electricity is something everyone needs but for so long there was no option for where you got your energy, you were just stuck with the options that your public utility offered even if they seemed too high. For so long also, because of the lack of competition, rates were not necessarily as competitive as they could have been because there was no need to worry about customers leaving given the importance of having electricity. The way the new system works after deregulation is that you keep your same public utility and get the same reliable service you’ve come to expect but the energy supplier changes and their rate is used to calculate your monthly bill.

This new approach is a win win for customers since they are able to not worry about the servicing of their energy but shop around for more competitive rates that can really lower their bills. It is like shopping for other services at that point. Similar to looking for a new cell phone or internet plan, it is a good idea to look at a variety of companies like Ambit Energy that are retail suppliers in your state and compare the rates that they offer. Make certain you pay special attention to the terms of the contract before signing up as the rates may be variable, able to change from month to month, or a fixed rate, that locks you into a certain rate for a period of one or two years.

Read More

Stocks You Can Do on Your Own

Posted by February 22, 2014

842b371f7beff668e59b6704526695df.jpgIn fact, unless you are an expert with stocks, it is not recommended that you go and play the market unless you know exactly what you are doing. I wanted to make sure that I was going to be able to speak with someone about the fact that penny stock egghead may have been a good stock program to get involved with but I wanted to make sure that I understood what I was going to be getting myself into before I actually put some money down. Not being able to do things with the stock market was not feeling too good and I thought that I might actually go and have a good time with them. I do not want to give my money to a broker that will take a lot of my profits so to learn how to do the stock market on my own was a goal on my bucket list that I had to do.

We were talking about all of the things that we were looking forward to doing with our vacation money via our tax return but we were not able to do that until we were ready to go out and do it. My friends and family told me that they were really happy about going out and being able to do a few things here and there and I thought that it might be fun but I had no idea what I was up against. My friends told me that they would not feel comfortable getting me involved in their stock programs and that this egghead program would be a good thing for me as it would be new and I would be able to tell them about it and that would be really educational thing for them as well and it will be good.

Read More

When I made the decision to build my own home, I was committed to it. I wanted to install everything myself, from the piping to the electrical wiring – I couldn’t hook it up myself, I knew, but I could at least lay out the infrastructure to be connected. I realized too late that I should have called my electrician in westchester ny instead of trying to do it myself or at the very least I could have allowed him to monitor my work! You see, I had built the house. I had wired everything, laid everything out in the appropriate fashion which I had been taught. I put the pipes in. The dry wall. The paint. I put a plate over each socket. Everything that it takes to build a house, I did it – not alone, not all the time anyways, but I did it. I have never felt so accomplished before as it was the first time in my life that I was able to fulfill such a long standing and challenging goal. It nearly killed me in the end – after checking the hook up after the electrician came out, I discovered a problem.

Read More

For years I have struggled with acne; even going into adulthood I have begun to suffer from adult acne for reasons thatI have been unable to pin point. Very little about my diet has actually changed in the last few years but without remorse the acne has been worse now than it has ever been, even when I was a teenager. It wasn’t until I discovered the best facial toner for 2013 that I actually started to see differences in the way that my skin looked and felt! I started to use the toner every day on my face, morning and night, and within a week or so I started to see dramatic improvements to the quality of my skin! Anyone who has suffered from acne knows how much anxiety and how much pain it cause; you feel as if you might be the ugliest person around, that everyone is staring at your acne without noticing anything else about you. It’s difficult to struggle with!

Even when I was a teenager, having acne was bad but it didn’t feel as bad as having acne as an adult. I’ve always had oily skin but for the most part I was able to keep it under control by keeping my hair up and off my face. As an adult, it’s just another thing to stress out about. We have so much to deal with in our busy day to day lives that being forced to handle your acne and spend more money on skin care is enough to stress anyone out! After trying dozens of products without any noticeable results, I was surprised that a toner was the thing that was able to bring me relief. I hadn’t realized just how oily my skin had become as I’ve grown older, something this toner helps mitigate.

Read More

I am going to need to find a electricity provider in the state of Texas pretty soon. I am excited to announce that I have bought a house in Texas, and I am going to be moving there soon. I never thought that this would happen, but I received a job offer from a very prestigious company. I could not turn down the offer, and that is why I have purchased a house for my family to live in. I found a site,, and I hope that it will lead me to some energy providers in the state that have very good prices on their electricity.

I am hoping to pay the lowest possible price for my electricity, and I am not sure how low the prices are. I know that they are cheaper than other parts of the country, such as the state that I used to reside in. I am looking forward to paying less for my utilities than I used to. I believe that the area that I am moving to has a substantially lower cost of living than where I am from. I am excited about that fact.

I am going to try to get all of my different utilities for the cheapest prices that I can. I am not sure how long it is going to take me to find the cheapest electricity price that is out there. I am going to keep searching the Internet until I am convinced that I have found the cheapest price out there. I am hoping that will not take all that much work though, and that I will be able to find what I need to know from the site that I am currently on. That would be the easiest solution to my need to find an electricity provider.

Read More

I started a new Instagram account to show others what I was going to be doing on the new company web site. It was going to be really great for me to get new followers and I could not wait to work with them. The people that I was talking to about free internet marketing told me that I could buy instagram followers to get other people to catch on but I did not want to do that because it was kind of cheating. I thought that it was going to be a lot of fun and it was going to be interesting to see how many followers I could get on my own. I had my daughter and all of her friends like the store and then like sheep to follow, they were very happy to like my web page and then I started to get a lot of orders for custom graphics.

I did some shirts for my daughter and her friends and put their favorite bands on them and then they posted the shirts.

Read More

Secret for a perfect relationship2 Secret for a perfect relationshipEstablishing a healthy foundation in which you can build a relationship upon is a challenging endeavor that many of us struggle with. Finding a balance where we can grow as individuals, together, in the context of a relationship is a complex undertaking. Even harder is when knowing to recognize that a relationship is over. In my person experience, it has been harder to end a relationship than it has to begin one. Knowing how to act after breaking up is awkward at best, too. Do you text your ex back when they’ve contacted you? Is it better to remain distance in order to process your emotions or do you try to bridge the emotional gap that has grown between you and them. I have struggled with the idea of trying to be friends with those that I have been in a relationship with. There is a reason that we were in a relationship in the first place.

Read More

My husband came from a home where his parents did not own a dryer. Not that they could not afford it but they hung all of their clothes and it drove me crazy when I went there to visit them because their towels were really hard from hang drying them and I could not stand the fact that there were so many different things of lint on them. When you dried off you would get the lint all over your body, it was really disgusting. The bath towels that we have are really nice and I told my husband to wash them that he should not use fabric softener or a dryer sheet as that would coat the towel and it would not be as absorbent for us when we got out of the shower. There are a lot of people that told me this so I stopped doing it but now he wanted to help with the laundry.

The people in the store told me that I was not going to be able to use the towels as well if I were going to have a lot of fabric softener on them and I had never thought of it that way before. I spent some time talking to my husband about the visit that we were going to have with his family this upcoming weekend and I told him that it was important that we were going to be able to go and be comfortable that is why I thought we were going to have to bring our own towels. I did not want to go and see what they were going to say but he told his mom that we liked our own towels and we did not want to dirty any of their own laundry while we were there.

Read More

It Only Takes a Pill

Posted by January 11, 2014

Balanitis can occur in any age, but it is more common in uncircumcised ...I was thinking about my friend in college who told me that she had been diagnosed with the herpes virus and I was scared for her. I wanted to know what the herpes treatment was and how it would affect her. One of my friends told me that they were going to try to go to the internet and look up information to see if there was something that we would be able to do to support her while she was going for treatment. I did not feel uncomfortable asking her about her problems because she was really open and honest with me and while my friends did not think of asking her what they could do for her, I knew that we were close enough to start that dialog with her. We have been friends since we were kids nad she was always open and honest with me about everything, that is why she told me first.

I wanted her to know that I was going to support her no matter what and that it did not matter to me how she got the virus.

Read More

APPLE 13You like everyone else is probably looking for cyber monday laptop deals and sales. As the day gets closer and closer we realize that we have not yet got the ads so we don’t know if we should wait it out or just go ahead and buy it. I for one have always been a huge advocate of just going all in and buying something. Even if it drops in value by ten dollars a week later that was a week that you had to go without whatever the item was. So unless you don’t plan on using it for a few weeks I definitely suggest you just splurge now and get the item. of course time is a very important commodity to me so I value the fifteen hours you would have to wait outside of a store way more than I value the fifty dollars that I may or may not save on a laptop. People that black friday shop are fairly insane and I have always lived under the motto of no amount of money is worth dying over.

Read More

cars-car-picture-Tatra-87-Berlin-extranoise.jpgMy grandmother died last month, and she left us a house full of stuff in her house. I like save money and my mom grew up in the generation that came from the depression so I understood why she was like that. We would call and get several different car insurance rates each year when it was time to renew her auto insurance. I felt like it was worth the time to call because the only thing that I was losing was time. I stayed home to take care of my mom after she broke her hip and her health started to go down hill. There was nothing more sad than having to try to explain to her that not all things could be reusable or safe. She loved to save all of the plastic water bottles that were handed out when we went to a race to watch my son run in one of them.

Read More