We can all make it out of this recession, but we all must do our part to get out of it. George Clason wrote in the foreword of his book “The richest man in Babylon”: “Our prosperity as a nation depends upon the personal financial prosperity of each of us as individuals.”

It is easy to point the finger to everyone about the economy, but are we doing what needs to be done in our own yard? We hear expert telling us to save money for the future and others telling us to spend for the economy. Who is right? In my opinion, they both are. The problem is not that we save too much or spend too much. The problem is that we don’t save or spend at the right places.

Out of 100 people, only one will be rich at retirement, 4 will be financial free and the others will either be dead of struggling. We need to work on our financial IQ and increase those odds. 1 out of 5 people surviving without any financial stress at retirement is not good. Here are 7 rules to great personal finances:  Read more...

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There are more than 105 million of them in the United States. Worldwide, there could be at least 250 million of them. Them, according to statistics from the Nielsen/Net Ratings service, is the number of active Web surfers. 250 million in the whole world? The figure is more than the populations of Canada, Australia, Great Britain, and a few non-English speaking countries combined. That’s a lot of them!

With so many active surfers around, you would think Webmasters and site owners have an easy time attracting them. Actually, they face an uphill battle to bring visitors and, more importantly, consumers to their Web sites. And a Web site without traffic is like a store built in the middle of the desert. You could have the greatest products and most attractive Web design around, but they’re worthless if no one visits them.

There is one way, however, to turn your Web site into an oasis of business, a way to drive as much traffic to your site as your server can handle: a classified ad.  Read more...

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