LayZ Daisy

This is a follow-up article on the the last article I wrote on July 28, 2008. This is part of the "Is your money safe?" series. With the crash of the stock market, as everyone knows there are even more banks introuble.

Banks are supposed to be (FDIC) insured by the federal government, Credit Unions are also insure (NCUA). 90 bank watch list as published by The Bank Implode Meter, these are banks that have all been audited and written up for something. This list keeps getting longer. The government with the current bailout plan proposed will not be able to save all of these banks in trouble.

Level 3 watch Bank List.

1. Fifth Third Bankcorp 9-30-08 (crashing)
2. National City 9-29-08 (crashing, waiting on implosion)
3. Morgan Stanley 9-26-08
4. Bank of America 8-14-08
5. Merryl Lynch 9-15-08
6. HBOS PLC 9-19-08
7. National City 9-04-08
8. Bank of America 8-14-08
9. Citigroup 8-07-08
10. Sun Trust 7-22-08
11. JP Morgan Chase (near level 3)
12. Goldman Sachs (near level 3, may still come out alive)

1. Watchovia Bank 9-29-08
2. Washington Mutual (WaMu) 9-24-08
3. Ameribank, Inc., WV 9-19-08
4. Interfaith Federal Credit Union 9-17-08
5. Lehman Brothers 9-11-08
6. Silver State Bank 9-5-08
7. Integrity Bank, GA  8-29-08
8. Columbian Bank and Trust, KS 8-24-08
9. First Priority Bank, KS 8-1-08
10. First National Bank of Nevada 7-26-08
11. First Heritage Bank N.A. 7-26-08
12. Indy Mac Bank Corp 7-11-08
13. First Integrity Bank 5-31-08
14. ANB Financial 5-09-08
15. Carnation Bank 5-09-08
16. St. Luke Baptist Federal Credit Union 5-07-08
17. Hume Bank of Hume, MO 3-10-08
18. Douglas National Bank 1-28-08
19. Huron River Credit Union 1-19-08
20. Green Tree Federal Credit Union 1-19-08
21. Metropolitan Savings Bank 1-19-08
22. Miami Valley Bank 1-19-08
23. Net Bank 1-19-08
24. Sharebuilders Federal Credit Union 1-19-08
25. Freemont General
26. Bear Stearns
27. Northern Rock PLC
28. Coast Bank

Tuesday, September 30, 2008 at 10:47 AM Posted by LayZDaisy.

NATIONAL HEADLINE NEWS>

♦ Bailout a done deal, So what happens now?  Who the Government is bailing out and what will most likely happen next. Article by Henry Bloget, The Huffington Post.

♦ Don't Touch the Stock Market  The stock market is ugly and will take some time to be good again. A word of advice for investors. Article by Diane Francis, The Huffington Post.

♦ Government Bailouts: What's it all about?  In crisis mode, government simply reacts, and there is no sign just now of a systemic consideration of the balance between government as a backstop or watchdog and the unfettered free market.

♦ How safe is your money, and how to protect it.  Massive bank failures are rare, but not unheard of. Here's what you need to know about your money if it happens to you.

♦ Wall Street's Meltdown
Economic crisis, a summary of what happened on Wall Street. Article by David Fiderer, The Huffington Post.

Contributed by Rex Hudson, EWI Vice President Mentoring Services

The news of the day is filled with stories of the huge amounts of money the Federal Reserve is proposing to inject into the financial system as a solution to the credit crisis resulting from mortgage defaults.

Their answer to the economic breakdown is to sink new money into the economy to stabilize the US dollar; invest billions to rescue AIG; billions to buy defaulting mortgages, and billions more to save failing banks. Estimates currently suggest that the combined total cost of the bail-outs will exceed 5 trillion dollars (that's 5,000 billion dollars), and those estimates are predicted to increase. Where will the Federal Reserve get all that money?

Regardless of what you think of the current financial system, it does have one strength (if you can call it strength): Our financial system can never run out of money, because they have the power to create (print) more at will. The issue is that all the new money dilutes the value of existing money, a phenomenon called inflation.

While we haven't worried too much about inflation for many years, it has been steadily increasing at a rate of 2 to 3 percent per year, which is apparently acceptable to the Federal Reserve. In the 1980's, it was galloping along at double-digit rates during a previous mortgage crisis involving the Savings and Loan industry. The government stepped in to buy all the bad loans, only to announce a few years later that the losses were not nearly as bad as originally anticipated. What happened? Inflation!

Inflation increases the prices of goods, all goods: Food, gas, cars, and eventually real estate. In conjunction with those increases, it also triggers increases in wages and salaries. The only expenditures which remain the same are preset obligations and payments, like mortgages. Let's consider the following example:

A classic over-priced California home was purchased two years ago for $500,000 with a $400,000 mortgage; a seemingly safe loan with $100,000 equity.

In just two years, the value of that home has dropped to $350,000, and the outstanding loan is still $400,000. The owner's equity is now a negative factor. If you multiply this scenario by over a million homes, you will understand the core of the crisis.

Now, let's forecast the inflationary effect of the Federal Reserve actions on this same property two years into the future. The $350,000 home, at some point, will have inflated to $700,000; the balance on the mortgage loan is still $400,000 plus unpaid interest; but, because the loan has remained constant, the property owner now has a positive equity of approximately $250,000. Crisis solved!

So, by injecting hundreds of billions of dollars into the current economy, the Federal Reserve is actually initiating the process of solving the credit crisis, which could involve trillions. Have you determined what all this means to us as investors? Owners of leveraged real estate will realize an eventual windfall profit of trillions of dollars. http://www.ewiezine.com/ezine/articles/FFF070808.htm

Tuesday, September 30, 2008 at 9:29 AM Posted by LayZDaisy. Financial Freedom Forum

1. Washington Mutual 7-27-08 (waiting on implosion)
2. National City 7-24-08
3. Fifth Third Bankcorp 7-22-08
4. Watchovia 7-22-08 (waiting on implosion)
5. Bank of America 7-21-08
6. Merryl Lynch 7-11-08
7. Lehman Brothers 7-11-08
8. Bank of America 7-08-08
9. Citigroup 6-28-08
10. US Bancorp (near level 3)
11. National City (near level 3)
12. JP Morgan Chase (near level 3)
13. Wells Fargo (near level 3, May still come out alive, but not in the clear.)

1. First National Bank of Nevada 7-26-08
2. First Heritage Bank N.A. 7-26-08
3. Indy Mac Bank Corp 7-11-08
4. First Integrity Bank 5-31-08
5. ANB Financial 5-09-08
6. Carnation Bank 5-09-08
7. St. Luke Baptist Federal Credit Union 5-07-08
8. Hume Bank of Hume, MO 3-10-08
9. Douglas National Bank 1-28-08
10. Huron River Credit Union 1-19-08
11. Green Tree Federal Credit Union 1-19-08
12. Metropolitan Savings Bank 1-19-08
13. Miami Valley Bank 1-19-08
14. Net Bank 1-19-08
15. Sharebuilders Federal Credit Union 1-19-08
16. Freemont General
17. Bear Stearns
18. Northern Rock PLC
19. Coast Bank

Monday, July 28, 2008 at 10:47 AM Posted by LayZDaisy.

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I thought I would have a little fun with this site. I have many experiences in the print and advertising industry that I would like to share, as well as different types businesses I have owned or worked in. The last two years I have been successful in working for myself. As a number one rule, I have found that when I do freelance work for a company or individual that a contract is necessary to protect yourself as well as the buyer. This should stipulate how much is required as a down payment, which is always wise to ask for something upfront because this shows that the buyer is serious about your services. Your contract should also indicate when additional payments are due and what will need to happen if additional charges are added. In my experience with printing and advertising, a contract is necessary and if there is any changes, then a "Change Order" is required to complete the job. A "Change order" states exactly what the additional work is and how much it will cost.

I have had many people ask me to check out some of the online businesses to see if they are legitimate. Here is what I found out. 90% of the "Work for Home" business offers on the internet are scams. This would include taking surveys and you have to buy some things to receive the product, which generally is not worth it because it will take you 45 minutes or longer to get through the survey and you will end up with allot of junk mail and your information will be sold to other companies. Have you seen the sites typing for dollars? This is also a scam. Anytime you have to pay any money up front to get money or get work in return it is a scam. Typing for dollars or Blog for dollars etc, take a long time to actually see any results. When you pay their fee what happens is they email you a list of "Potential Companies" that you might possible be able to get work with. This is no better than looking in the news paper for a job. The odds are very high that you will not make any money at all, and once again a company like this sells your information to other companies.

If you are truly interested on becoming a freelance agent you can sign up for Elance. It is free to sign up with this company. They can pay you via direct deposit or PayPal. You choose the type of work you want, they carry the contracts, its easy to get work. You can take on as little or as much work as you want. This company also has additional services that you can pay for, this is optional and I wouldn't do it until you start to make money on this site. Here are some of the different types of work that you can find...typing, writing, editing, telemarketing, web design, web programing, graphic design, legal, engineering etc. Stay tuned and I will feature more companies out there in the freelance world.

Monday, May 19, 2008 at 08:10AM Posted by LayZDaisy.

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• A positive attitude and the determination to make your business work. Start by making a simple goal for yourself, a statement about where you want to be in 6 months from now. For coaching on how to do this get the book “The 9 Steps to Financial Freedom” by Suze Orman.

• Decide what type of website and/or business you would like to create. Do extensive research about the type of business you want to create.

• Start you own website, make a list of items you want to include on that website and create a plan of how you will make money and accomplish your goals.

• Develop a Marketing and Advertising plan, and decide what markets you will target. Research how you will market your company.

Once you have done these things there is more you can do. If you don’t know how to create a website, I recommend starting with company's such as "Homestead" or “Free Webs”. It is free to get started, the only thing you will have to pay for is your domain name. If you have questions on starting your own business, please email me or post your blog to my site. I will be posting more entries to this subject.

Friday, May 16, 2008 at 04:15PM Posted by LayZDaisy.

RECENT ARTICLES>

♦ A word of advice
The must read article if your planing on doing Freelance work.

♦ Advertising your site for FREE
Tips on free advertising for your website.

♦ Saving money in today's economy  Money saving tips.

♦ Making your money work for you!
You could be making money while you sleep.

♦ What is Adsense?
Google Adsense how it can make you money.

♦ Creating your website
Tips on how to get your website up and running.

♦ Legitimate online freelance jobs
Your guide on where to find the work.

♦ Technorati is cool!
A great tool for your website.

♦ Protect yourself from the high cost of gasoline  Financial  Freedom Forum: Contributed by J.J. Childers, EWI Master Instructor and Attorney at Law.

Here is some information I am going to give you that is FREE. I am going to tell you about FREE ADVERTISING. Once you have set up your FREE Website, there are 100's of ways to advertise for FREE and start making income on your site.

The first thing you do is post an ad with your web hosting company announcing your new website. Some web hosting companies will give you free advertising by allowing them to use your site as an example of what type of site other users can build.

You can sign up for affiliate programs to sell things on your site. These programs that you apply to will give you a commission. It is free to sign up. I Love Commission Junction because they do direct deposit in my account every month for affiliate advertising. How it works is you place a link such as a banner or text ad anywhere on your site. These are commission sales.

There is another type of advertising called adsense. These are words that are double underlined that you allow the advertisers to have pop up windows to adversise on your site. These are pay per click ads.

Which ever method you use, all can be very profitable when used together. Check with people you know that are willing to place a link on their site to yours. The more places you are at once, the better your traffic will get.

Friday, May 23, 2008 at 11:12PM Posted by LayZDaisy.

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Today's economy is truly sad across the country. The US dollar is now worth 1/2 of the Euro, which one year ago the Euro was only .35 cents more than the US dollar. Gas prices have more than doubled in the last 3 years. Good paying jobs are hard to find, wages have not gone up enough to compensate for our much higher cost of living. No wonder there are so many people in our country living in poverty and neck deep in debt.

I am going to give you some tips on saving some money. It may be pennies but over time this will add up and hopefully become a good habit.

Start at home. Keep your thermostat down to at least 2 degrees cooler that you usually have it in the winter, 2 degrees warmer in the summer. Replace all of your current light bulbs in your home to fluorescent or energy efficient halogen bulbs. This is a good investment that will lower your electric bill as well as your budget for your home. Did you know these light bulbs will last up to 5 years? Also keep up on home repairs such as water leaking, sealing your home. For more tips on saving energy in your home, visit Rob's Home Tips. Make less trips to the grocery store, always shop with a list. Print off coupons from the web or, clip coupons from Sunday's paper. Cut eating out down to once a week, or at least one less per month.

With your budget at home always pay your bills on time. If you can, pay your bills as soon as you get them. If you have credit card debt, pay at least $5 more than the minimum balance on every card, and on the one with the highest interest, pay as much extra as you can until it is payed off, then repeat the same thing with the next card until your debt is eliminated.  With the money you save every month, you should put it in a savings account or invest it. I found that credit unions typically have a better interest rate on savings accounts than banks. To find out more about investing your money and managing your debt, click here.

There was a time when I thought I would never get out of debt my debt exceeded my income. At the time I felt I was in despair because I didn't know what to do. Little by little I started to make some progress. I started with the coupons, then I found the money I was saving could go towards paying off my debt. I then started giving 10% of my income to charity. What I didn't know saved my life. I found that giving 10% to charity actually created a cash flow for me. I know this sounds funny but its true! If you ask all of the big millionaires, billionaires, they will tell you to do the same thing. By giving money to charity you are open more doors for yourself to receive money. This is called the law of attraction. "To every action there is a reaction". I hope everyone who reads this applies this one thing if nothing else. Giving is the most important thing you can do. If you do it willingly, I promise more doors will open for you that were not expected. Also with today's economy this is why I started this website. I want everyone to be empowered as I am to be debt free. To sum it all up...take control of your life, have respect for yourself and your money. This site is proof that I can make money at home! Stay tuned and I will share even more.

Tuesday, May 27, 2008 at 9:58PM Posted by LayZDaisy.

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I've been blogging about how to save money, how to advertise your business or website, and how to get out of debt. I think these are very important keys to success. It is important that you understand how cash flow works. There is a balance of managing your money and reinvesting the money you make that is the important key to making your money work for you. You start having respect for your money by keeping your debts paid and not over spending. Then to make money work for you you should do a little research to see how your money will best work for you. What I mean by this term is investing your money in a way that you will have positive cash flow with out do much with it. Here are some examples: Today you can invest your money in CD account at the moment these have higher interest rates than money market. If you do your research some banks will give you FREE money just for signing up with a savings account with them. I have found that Credit Unions typically have better interest rates than regular banks. Stock markets can be invested in but right now can be risky. You should ask a financial adviser for the best investments.

You could be making money while you sleep. What I am going to tell you is how you can use your money to invest your website or business. Although affiliate advertising works great, the best way to maximize the money you make is the traffic to your website. There are several different ways to get traffic to your site. The best way is to have several websites that have a link to your site. There are also free traffic builders that will direct traffic to your site. I have used these, but they don't always work to produce you any real revenue. These are great to generate traffic right at first until your site becomes more recognized with return visitors. Search engines is an excellent way to direct traffic to your site. With search engines it's important to have the right key words in there so that your site will come up. I found that Traffic Blazer is one of the most economical use of search engines. Typically you pay not more than $29.95 and you are registered for a whole year, you are listed in the top searches with search engines such as Google, Yahoo etc. When you list your site with search engines, this will help in building your return visitors. When you start to see in increase in traffic and commissions, you can then pay for advertising by listing your site on high traffic websites that will generate the real traffic for you. You should do a little research to see what types of websites will be best to advertise on. Here is a website you can go to for more information on the different types of web advertising. http://www.rubiconproject.com

Friday, May 30, 2008 at 11:58 AM Posted by LayZDaisy.

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OK, now you have an idea of what you want to create for your website. The first thing you will need to do is have a name for your website. Check on the web to see if your name is available. You can start by clicking on Host Rocket. Type in your desired website name and see if it's available. This company is great if you don't want to actually do the web design yourself.  Host Rocket is a great full service web design and web hosting company. If you only want to register your domain name there you can do that too and just transfer your domain name to any service provider you decide. If you want to design a website of your own with a template, check out these websites FreeWebs is rated the highest because you can customize the background images as well as upload your own designed art, is user friendly and absolutely FREE to sign up, the only down side is there is no phone support. If you want EXCELENT phone support I recommend Homestead, they have the most editing capabilities with their templates and have more variety than any other that I know. Homestead however you do pay for their package plans are minimal. My third choice of web builder sites is Weebly.  With Weebly you can create a professional looking site for free, they have the most user friendly templates, just drag and drop. The down side is they have the least amount of editing capabilities.

After you have decided which web hosting company to use, you will need to make a plan on how you will lay out your website and what type of content you will have on your pages. When you have set up your website, you will now be ready to direct traffic to your site. Before you do this, try it out on some friends and take suggestions on what you should have and what will make them want to return to your site.

When your site is created sign up for Google AdSense to get traffic and other services added to your website. The best part about signing up with them is it's FREE. Google has tones of services that they offer as part of the plan to help you with your website. It will take a while to learn their program and how to use their site. By adding this program as well as affiliate advertisers, you can start to make money on your website. See my other reference columns on other tips for your website. Good Luck.

Thursday, June 5, 2008 at 8:57 PM Posted by LayZDaisy.

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There have been allot of questions regarding Google AdSense. Google AdSense is an ad serving program run by Google. Website owners can enroll in this program to enable text, image and, more recently, video advertisements on their sites. These ads are administered by Google and generate revenue on either a per-click or per-thousand-impressions basis. Google is also currently beta-testing a cost-per-action based service. This is one of Google's free advertising programs you can join that will specifically target text or banner ads that are relevant to your site. I found it is also a complex program to use. I am still learning it and it may take me a couple of years to master it. There are also many other programs that Google also offers, such as Google AdWords, for those wanting to advertise with Google's targeted ad system.

I want to introduce you to my friend Joel Comm. He is the author of The New York Times Best seller, The AdSense Code" and the Host & Executive Producer of  "The Next Internet Millionaire" reality show, Joel continues to produce top-quality resources and training materials that have helped thousands of people increase their online income. Well, Joel is thankful for the support he has received over the years, and he is doing something truly amazing to say "thank you".

It's been over two years since Joel last released an pdated version of his best selling "Google AdSense secrets" ebook.  This book is the definitive guide to making money with AdSense and it is the only book you ever need to master AdSense.
Joel regularly sells this book for $97.00.  It's worth every penny. But what is doing now is going to send shockwaves through the industry! Joel has completely revised and extended AdSense Secrets 4.0 for 2008 to include all the latest AdSense cash-sucking strategies and techniques that allow him to continue earning over $500/day in passive AdSense income! So how is Joel saying "thank you" by offering this book? It's the price! Are you sitting down? You are going to think I am toying with you, but this is the honest truth...For a limited time, Joel is offering AdSense Secrets v4.0
to you for just $9.95! Yes, you heard me right! That's just $9.95!

http://www.1shoppingcart.com/app/?Clk=2474771

Ok, I don't need to go on and on about this. Welcome to the biggest no-brainer of the year. Go pick up a copy of AdSense Secrets 4.0 right NOW while it is still priced at this amazing bargain of $9.95.  You'll be able to instantly download your copy and begin implementing the same strategies and techniques that Joel and his customers have used to generate incredible passive income! Honestly, I don't know how long Joel will make the book available at this price, so I reccommend you hurry and download it NOW!  http://www.1shoppingcart.com/app/?Clk=2474771

I hope you have great success with this. This is a great opportunity to train you how you can start making some real money with AdSense.

Saturday, July 5, 2008 at 10:44 AM Posted by LayZDaisy

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