Monday, 26 December 2011

Making Money Ideas


I’m on the road with the StartupBus Europe trip to LeWeb. When you left us yesterday, the ‘buspreneurs’ were busy forming teams around the ideas they had pitched.


As we sped down the autobahns of north Germany, the product ideas were honed and many ideas were sketched out on paper, and even on the bus’ windows.


 


 


Following a short ferry trip to Denmark, we rolled into Copenhagen – one of Europe’s most exciting startup cities. Our host for the evening was Startup Bootcamp, where the 2011 group of startups left last week but things are far from quiet as the accelerator franchise plans for a busy 2012 around Europe.


The StartupBus Europe teams pitched their initial concepts:


LocaFoo: For iPhone and Android, this location-based game will see you picking up virtual items around you to attack and defend against your friends. Brands will be encouraged to get involved. Perhaps you could throw a Starbucks coffee or a McDonalds hamburger at your opponents.The app will have Foursquare and Facebook integration.

BUT: Will brands want their products used as weapons?


Buybone (working title): Imagine a version of eBay where you list your needs and customers bid to sell your their products. Whether the seller is down the road or on the other side of the world, this will be a safe way of buying without being ripped off, with Buybone acting as an escrow service.

BUT: Will the team have their wireframes ready by the time we get to Berlin in a few hours time?


YoBro: – This is instant mobile group audio chat for shared interests. The service links people with shared interests. Type in an interest and the app will link you with others who have entered the same text. A natural link here is to gather around Twitter trending topics. To prevent rooms getting too noisy, each will be limited in size before a new room is automatically generated.

BUT: Do people want to group audio chat with strangers? And where’s the money?


Wander: – Trips and travel are fun, and planning should be too – that’s the premise behind Wander. It will allow you to create a personal travel guide. It will be available when mobile, with timeline and map for exploring. It will emphasise spontaneity – as you explore a location, it will tell you when a point of interest you want to visit is nearby. There will be an offline mode for when you don’t have access to mobile data.

BUT: Who is the specific target market?


Invoi: – The aim here is to disrupt voicemail, by making it interactive. The team is building a service that uses voice recognition, translating voicemail to tasks and events. The user will be able to set conditions – so, for example, when certain words are said in voicemail messages, you can get the service to call someone else, make a to-do list and more.

BUT: Can the team get a working demo completed in time?


After a short sleep in a Copenhagen hostel, we’re on the road again, bound for Berlin. After a brief stop there we’ll be moving again as we head for today’s final destination of Zurich. We’ll keep you posted on the teams’ progress as we make our way towards our ultimate destination in Paris tomorrow evening.


In the meantime, you can invest virtual cash in your favourite idea on the StartupBus Stock Exchange game. You can also join us in Berlin at an event this afternoon. Click here for more details.


Now that it's nearing the end of the year, there are some money chores you need to take care of, such as making sure you've spent the money in your Flexible Spending Account because it will expire before the New Year. You're actually allowed to file an extension if you haven't used up all your FSA dollars, but you need to check your company policy to see if they allow that. Don't fret if you can't extend, here are some last-minute ideas to use your FSA money:


 



  •     Over-the-counter items: We're not allowed to spend our FSA dollars on over-the-counter medicines without prescriptions but there are plenty of non medicinal products that we can still use the FSA money for. For example, band aids, crutches, first aid kits, and rubbing alcohol.

  •     Acupuncture: Acupuncture is covered by your FSA, so if you have a condition such as pain, consider acupuncture.

  •     Chiropractic: Your FSA also covers chiropractic visits, so now may be the time to schedule an appointment with your chiropractor.

  •     Birth control: Contraceptives are covered by the FSA, although some require prescription.

  •     Glasses and contact lens: Schedule a vision exam and use your FSA dollars to buy a new pair of glasses or supplies of contact lenses.

  •     Prescription medicine: Buy prescription medicine if it makes sense for you to do so.

  •     Doctor's visit: Your FSA will cover the copay so if you're due for a doctor's visit, try to go before the end of the year.

  •     Medical monitoring and testing devices: If you need a gadget to measure and monitor your blood pressure or ovulation, perhaps it's time to buy one now. Pregnancy and glucose test kits also qualify.


FSA is best used when it covers items that your health insurance doesn't generally pay for. Remember to use them or you'll lose them before the year's up!


This post originally appeared in SavvySugar.




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Tuesday, 20 December 2011

Making Money Scam


Renee with her $50 Vindale check by VindalePhotos



Online transactions company PayPal is taking heat from critics after forcing Regretsy to refund all donations for its holiday charity efforts, while keeping the initial transaction fees.


Regretsy is a blog that features odd and/or strange items that are for sale through arts and crafts online marketplace Etsy, while also raising money for various charities. For its Secret Santa charity, Regretsy owner Helen Killer accidentally selected the “donate” button — rather than “Buy Now” or “Shopping Cart” buttons — when setting up options for people to make a donation.


Because the money from these donations isn’t going directly to the charity (meaning, donation money goes through Regretsy first before going to the charity), PayPal is making the site refund hundreds of $2 donations. Had Killer selected the “Buy Now” option, none of this would be an issue.


“Because I used the wrong button, they have made me send them everything from bank statements to Articles of Incorporation to affidavits and notarized statements, even though I have been a verified business customer of theirs for 10 years,” wrote Killer in a blog post about the incident.


While PayPal’s policy was put in place to prevent scam artists from taking donations under the guise of being a charitable organization, it doesn’t excuse the company for pocketing the transaction fees.


What do you think about this situation? Should PayPal forfeit the fees?


Update: A PayPal spokesperson just sent us the following statement regarding Regretsy’s donation button incident:


We can’t comment specifically on the Regretsy.com account due to our privacy policy. However, we can confirm that the funds have been released and we are working directly with the account holder on this matter. We are also working with Regretsy to make a donation to help families in need this holiday season.  We’re very sorry this occurred.


For reference, we have clear guidelines for any business who uses PayPal to accept donations. For example, we require certain documentation to prevent misuse of the donated funds and, if the recipient claims charitable status, to determine whether they are properly registered.  As a regulated payment service, we’re also required by law to follow these guidelines.


We appreciate that this can be an inconvenience, but we have a responsibility to all our customers – both donors and recipients; or buyers and sellers. In this instance, we recognized our error and moved as swiftly as possible to fix it.


[via The Consumerist]


If you're drowning in debt, chances are you're desperate enough to try anything


That includes so-called "Debt Relief" services.


These bogus businesses hit radio airwaves and late-night infomercials to pose as knights in shining armor for consumers reaching the end of their money rope.  


Don't worry, they say, pledging to slay the Big Bad Wolf (i.e.: your creditors) and help you live Happily Ever After – for a fee. 


Here's a wake up call: This is a probably a lie. 


The Federal Trade Commission just revamped regulations surrounding debt relief services, making it more difficult for them to dupe unwitting consumers into forking over cash for services they have no intention of rendering. 


But it's still all-too possible to get tricked, so here are some red flags to look for: 


Upfront fees. By law, debt relief companies can't collect fees until you've gotten what you intend to pay for. If they try to feed you a line of bull about down payments or holding fees, don't stick around to hear the rest of their sales pitch. 


Shady timelines. The firm has to tell you how long you'll have to wait to see results, according to the FTC. If they're playing coy, they're probably up to something fishy.


Unclear pay scale. They're required by law to tell you how much their services cost upfront.


Fairytales. If they're painting a rosy picture of all the magical benefits you'll glean from their service without telling you the potential negative side effects, they're in the wrong. The new FTC rule makes it illegal to tell you the pros without the cons. 


Now see 11 tips to help your credit score skyrocket >



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Monday, 19 December 2011

Tips about discovering the best option carpet cleaning business enterprise on your location.


Robie House and The Graduate School of Business, Chicago, IL by Grufnik


Industrial carpet cleaner can be a most useful thing to utilize within the offices to clean floor coverings. In higher targeted traffic places, where carpets are densely dirty, cleansing gets even more complicated; as a result, most cleaning companies purchase a industrial carpet cleaner.




Office properties, making use of their a huge selection of rectangular toes of carpeted area, create special difficulties with regard to washing companies. Washing businesses must clear floor coverings inside of business office properties within as little moment as you can in order to avoid disrupting everyday operations. Within high targeted traffic places, exactly where carpets tend to be densely soiled, cleaning gets even more complicated. Therefore, most installers purchase a business carpet cleaner made to offer superlative, effective cleansing with regard to industrial areas for instance business office processes.




Lower conclusion carpet cleaning equipment may help you save money initially, but repeated breakdowns, wear and tear, and also bad function quality will definitely cost a lot more ultimately. These types of lower capability devices are usually intended for use in your own home or perhaps inside smaller areas. They can not work hour right after hour without a crack, as industrial carpet cleaning requires. Additionally, they're not really resilient enough to be able to stand up to the corrosive chemicals as well as dirt that the business carpet cleaner is confronted with. Therefore, you should research the actual stock for a dealer that provides industrial carpet cleaner and also pick the best merchandise.




A industrial carpet cleaner has increased stress amounts and also heat options as compared to home equipment, permitting quicker, far better washing. Some manufacturers associated with industrial carpet cleaning machines might attain temps as high as 210° F. They could have strain ranges different up to 500 psi, which is often modified based on the cleansing needs.




Just about the most important requirements with regard to carpet cleaning products is uninterrupted procedure. Consequently, high end commercial carpet cleaner is actually installed together with higher ability remedy and also recuperation tanks. A number of these equipment have remedy tanks because big in capability as seventeen gallons. Furthermore, to prevent the requirement to stop the machine until the water heats, a couple of heat elements are provided rather than a single, which reduces heating system time to about 5 moments. Several carpet shampooers have automatic refilling and getting rid of components so your owner does not find yourself throwing away effective moment completing and also emptying out fresh as well as filthy drinking water.




Floor covering extractors should be low movement, regardless of what ailments an individual work under. Although you may never face drinking water deficiency, all organizations of the character must utilize drinking water moderately. Furthermore, if you need to work on the patient's website, then you can have to be more cautious regarding h2o make use of, specifically since moist worksites are hardly ever valued. Carpet cleaning that make use of less drinking water help in faster carpet blow drying, therefore eliminating conditions in which lead to mold as well as insect infestation.




Higher ability floor covering shampooers have got one more function. Also, they are useful for cleaning rugs and also upholstery. Make sure you buy area rug cleansers with the appropriate wands. Upholstery wands are usually smaller compared to floor covering wands; they may be employed for cleaning couch addresses, sofas, child car seats, drapes, as well as carpets. Ideally, these kinds of wands are made of stainless steel for extra toughness as well as corrosion opposition.




Check the particular garden hose duration and quality as well. The actual hose pipe needs to be durable as well as break resistant and should be long enough to be able to very easily achieve the area necessary without having regular shifting. High quality floor covering extractors possess tubes that can be modified according to the dimensions with the carpet.




The best carpet cleaners are an essential element of the carpet cleaning enterprise and offer decades regarding support and also 1000s of dollars in increased efficiency. Daimer Sectors is a top dealer associated with carpet cleaning products. Daimer supplies a total array of best carpet cleaning including carpeting extractors, carpet cleansers, floor covering shampooers and much more.




Increasingly more carpet cleaning businesses are becoming established together with each moving day using the sole goal of providing expert carpet cleaning providers to people who demand them.




More and more carpet cleaning companies are getting set up together with each transferring day time using the single aim of providing professional carpet cleaning providers in order to people who demand them. The necessity for specialist carpet cleaning may vary from one individual to another. While some require such services since they can have simply no free time to complete the washing themselves, others will believe that they don't hold the correct expertise to accomplish the particular cleansing; other folks may well not feel motivated to wash the carpets, especially if they're huge.




Most of the people which choose to do the particular cleansing by themselves often ponder how to get exactly the same stunning final results as the experts. The good news is that can be done using the right equipment, the best cleaning items and the proper methods used in carpet cleaning. http://carpetcleaningatlanta1.info The very first thing you need to do will be decide the proper goods with regard to the sort of unsightly stains or perhaps places usually available on your floor covering. The proper products will surely complete the job carefully and safely.




Second is to realize the particular forms of products you'll need for the career. You can find all sorts of washing gear on the market, a number of which can be very costly. Nonetheless, you'll be able to get the right gear at an affordable rate simply by performing basic online research. Once you've determined the strategy you need to utilize to clean your carpet, it will be easier to find the right application because of it.




Lastly, it's important to master the best cleaning processes to get your specific form of carpeting thoroughly clean. Lots of people are inside situations where they have the best cleaning agents and the right resources yet don't know the right processes to perform a great job. The internet is a great application to utilize for studying the right carpet cleaning techniques in the professionals themselves.




With your three things in place, it really is very easily achievable to wash your carpet just like the specialists. Should you be not necessarily also certain about the capabilities, always require specialist as it is quite inexpensive. Asian Area rug Care THE BIG APPLE, a NEW YORK CITY carpet cleaning company, has been supplying skilled as well as reliable carpet cleaning companies to New york before 2 full decades. Having the highest, A+, ranking using the BBB, Asian Rug Treatment NY had situated itself like a extremely professional and reputable Nyc carpet cleaning company. Get a FREE Online Quotation or perhaps Phone Right now with regard to more information regarding our own carpet cleaning support.




It really is crucial that you understand that if you are looking for a good carpet cleaning support, be sure to confirm their reputation. Discover what various other preceding customers need to point out regarding these. Head to: http://carpetcleaningatlanta1.info for more information concerning finding an existing carpet cleaning Atlanta. or just study through the use of carpet cleaning Altlanta ga. Once you've the website, check out their particular system locations to discover should they possess insurance plan where your home is situated. After that call the quantity for the area along with plan a meeting.

Thursday, 15 December 2011

just what to look for when engaging a competent appliance repair company Appliance Repair Chicago


Robie House and The Graduate School of Business, Chicago, IL by Grufnik




Tips on hiring an appliance repair service



1. For virtually every selections involving deciding on a major appliance repair corporation, get suggestions to begin various appliance repair companies by individuals as their opinions you believe in, such as the relatives along with friends who've acquired encounters within selecting appliance repair providers prior to
.


2. Consider when it is additional cost-effective to help simply useless the appliance to get a completely new just one compared to to possess the idea remedied by a skilled. Free quotations can even be given by several appliance repair chicago
on the internet or higher the phone. That way, you do not ought to guide a proper service call for a specialist immediately and obtain recharged inflated service fees for any basic restoration that you could also accomplish by yourself. Here, you possibly can pre-judge whether or not you must restore or perhaps replace this wrong machine
.


3. A different element that can assist you to contemplate if you ought to hire a specialist appliance repair technician could be the usual life span of the appliance. Execute a tiny investigating online to uncover if the kitchen appliance can be far too aged of course, if correcting it will eventually you need to be a new spend regarding income in addition to time
.


4. In a few older types of dishwashers, washing machines, and refrigerators, many people generally have a much better high quality with regards to their particular inside parts in comparison to existing low-end versions. Globalization features resulted to using a number of modest aspects of numerous home appliances to be stated in large in most places in the world; this brought on the output connected with low cost, fairly low-quality inner elements. There are several excellent and very sturdy old-model devices that could be really worth mending
.


5. An easy work involving unplugging then inserting again an electronic kitchen appliance can occasionally distinct the situation pertaining to minor electronic digital malfunctions on washers
.


6. Before you decide to search for a skilled appliance repair tech in to the future around along with conduct your fix available for you, you might like to examine search engines like google pertaining to appliance repair manuals that might summarize the condition along with current common do-it-yourself repairs. Online kitchen appliance manuals tend to be free of charge and could give you full precisely how to complete trivial vehicle repairs with regard to unique models of appliances for the home
.


7. For those who have the actual knack because of it along with choose to complete technological house maintenance on your own, you should work like an experienced and wear basic safety a pair of glasses along with steel-toed safe practices sneakers. It is usually sound judgment to help unplug the applying initial before you begin unscrewing something. Razor-sharp perimeters exist interior dryers and that means you have to be careful when focusing on 1
.




Why you should hire a professional appliance repair service?


Using the services of an experienced to do a great appliance repair could keep anyone through squandering your efforts tinkering with this ins and outs of an house equipment you do not understand. Attempting to fix it all on your own might give you additional damage on the appliance. You will find countless affordable appliance repair companies currently being publicised on the net or even on the phonebook. You can generally contact the right choice who are able to correct what ever deterioration kitchen appliance you may have at your home
.



A number of household kitchen appliance objects that may be additional cost-effective to correct compared to to replace. Microwaves, refrigerators, freezers, cookers, dryers, ovens, for example. strengthen our daily lifestyles; many of us sometimes actually find comfort and ease by utilizing them. When they find cracked as well as are amiss effectively, doing away with all of them straight away for a new one particular will not be economically sound. You will find a great number of cases where the actual not working is very small, and only some small corrections or even simple maintenance could make the item become as well as completely new once more
.



Pros that present house fix providers can be found on the internet or even within the phonebook, and quite a few are prepared to come around as well as consult a person around the telephone to provide totally free rates in achievable rates pertaining to repairing some property equipment
.



What to look for when hiring a professional appliance repair service?


Consult via family members along with buddies very first for tips. People in whose thoughts anyone have confidence in tend to be the very best way to obtain facts about different property appliance repair providers they've already tried using ahead of.



If you are using both a online appliance repair forum or the on the internet advertising campaign of an commercial appliance repair company, then you certainly need to ensure who's says “licensed and insured” so that you can make sure that you'll be getting the companies at a skilled that has underwent a new formal appliance repair training. The particular company’s express license should also always be one more thing you'll want to watch out for. Your license range really needs to be valid and also the insurance coverage has to be updated. In addition, you need to research about how precisely precisely very long that will appliance repair firm has been doing small business along with on which locations the item performs; a corporation using a substantial amount of neighborhood history is frequently more reliable since it goes by means of a number of lengths to keep it is specialized reputation in the profession. A different important thing to prevent neglect while looking for a great appliance repair service is set up corporation will be detailed within major world wide web directories such as yellow-colored webpages, Yahoo routes, Aol community, and so on. The idea must be stated someplace; a very unknown one particular could just be the new startup or perhaps a rip-off. You must in addition keep in mind that appliance repair chicago
which usually market intensely may possibly fee a great deal above individuals small nearby ones that depend less on marketing although heavy for the word-of-mouth spread of the good mend companies.



For those who have finally determined that appliance repair business to visit with, chances are you'll find out pointedly in regards to the brand of the technician that will end up being providing an individual and also promptly request for you to consult with them 1st. At this point, it's advocated that you simply inquire your technician how much time they has been restoring home equipment. Provide the tech the main points from the problem. Offer each of the signs so that she or he can imagine probable reasons for the appliance malfunction. Your technical assistant will in all probability provide many probable brings about for the equipment problems even prior to he / she possesses the opportunity to appear in excess of to your residence. Finally, ask for a great appraisal in the restoration price tag after getting defined the issue. A professional technical assistant is usually prepared to provide just one



It’s vital that you remember that when you are searching for an appliance repair organization, make sure to check their reputation. Uncover what some other earlier clients have to state about them. Go to: www.aaaasc.com to find out more regarding locating an established appliance repair in Chicago or just lookup by using appliance repair Chicago. Once you have the website, take a look at their program places to see should they have got protection exactly where your home is situated. After that contact the number for the region and schedule a consultation.

Friday, 2 December 2011

foreclosure search


New inspiration: Black and White House With Front And Rear Facades of Glass by New Inspiration Home Design


Buying foreclosures generally is a big money machine in terms of real estate trading niches. Whilst investing in foreclosures ends up with large revenue after you choose the right residence, there are a lot involving some other factors to consider.



For example, there are laws that will vary from condition to convey and local in order to county which rul foreclosures in case an individual violate those people legal guidelines, unintentionally as well as actively, considerable outcomes follows.



Much of the household review training as well as infomercial " experts " guide getting a foreclosure after which booking the property returning to the home-owner with the expectation that they're going to repurchase it at a better price in the near future. One of several best risks an investor might take will be permitting the last manager return and claim back their property given that they confusing whatever you received agreed upon.



Besides, do you really want a new renter as part of your house that features a history as being a credit ratings legal that will not pay their charges? Of course people might not. On the other hand, newbie and also quite a few knowledgeable foreclosure shareholders do this identical thing daily along with fork out a top price with regard to the process, oftentimes losing their expenditure entirely each time a judge expresses which the deal seemed to be in fact any usurious mortgage rather than an alternative in order to repurchase.



In the course of different phases connected with foreclosure, you can create a new package happen among an individual along with the home-owner throughout default, hold out and buying in the retail, obtain following the sell or perhaps several much more advanced approaches. In case you want to obtain a residence in the open public public sale, realize that in certain says, the law models a specific time frame with regard to foreclosures being finalized commonly often called a new payoff time.



For anyone who is taking into consideration paying for foreclosures, it can be remarkably wise for you to determine in the event as well as how this legislation likely affects the actual ownership along with ownership on the home in your local area. It may seem you use the home, while actually you happen to be any short-term caretaker for the established time period.



You could discover by yourself committing to foreclosures, positioning dollars into these individuals, simply to shed every one of the income people imagined you'd visiting you.



Any foreclosure occurs if your manager foreclosures about the house loan. Your banker has to begin the method connected with using the exact property that has been pledged since protection to the homeowner's loan. In the event the property owner cannot therapy the situation by simply paying out the lending company any money which is after that owed, the property will more than likely make it is way to open sell where will probably be sold for the top bidder at a sheriff's or even trustee's sale made.



A lot of real estate investment shareholders check out committing to foreclosures like a confident bet to increase his or her wealth along with or perhaps portfolio nevertheless are not able to know the particular possible issues in which wait for these individuals. Realizing what direction to go together with what exactly to not accomplish can save you a bunch of dollars and problems because you advance into your arena connected with purchasing foreclosures.



When you're purchasing a foreclosure, step one is to know what you are carrying out using the property. Can you anticipate tossing this to get a income? Will you hold it as being a leasing? This will determine what region it is best to look in whenever looking what sort of foreclosure components you're interested in subsequent.



Any time buying foreclosures, almost everything often your earnings. A great guideline to follow along with is just think about choosing a foreclosure when you endure to generate a minimum of the 30% revenue regardless of transpires. This way, you will never should fret whether you must make a work or even not.



Several foreclosures may bring a new better benefit. Some identifying variables are the location, beyond revenue, industry benefit on the town, current condition with the property as well as the selling price. Once you understand basic principles of foreclosure committing to your unique location along with property ideals, mend expenses, discussion fundamentals, and so forth, the success rate in addition to income potential will certainly significantly increase.



Once you understand your local current market with regard to buying foreclosures, you can find your self keeping an eye on which in turn components are on course to be able to foreclosure as well as the way to possibly help to make perhaps high revenue deals transpire regularly. Additionally, you will start off web 2 . 0 as well as turning into accustomed to additional traders locally as you trade achievable leads that match each other's purchasing conditions.






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Making Money Internet


Yulia Sobol and Vladimir Naydyuk, Business Link by Business Link


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