How to go Bankrupt

I came across this book in Amazon. "How to go Bankrupt - A simple guide to going bankrupt in the UK"  It's a really useful guide and explains how you go about bankruptcy in the UK. I have to say, it's not something I plan to do, but at least I know what to do about it, if I get into that area.

Yahoo Terms and Conditions - YUK

Well here is a warning.

I used to have a Yahoo marketing account for creating ppc ads on their network.

When I signed up I had to read and sign up to their terms and conditions, which I did, but fleetingly, and upload some money to the account before I could create any campaigns. I used the account a bit but haven't really used it at all in the last 18 months to 2 years. I had £57 credit in the account.

Then today I received an email from Yahoo with a statement for the account, which I couldn't understand. It showed an opening balance of £57 (credit), no transactions over the month, then a curious 'adjustment' of -£57, with a final balance on the account of zero!

Normally, I would expect to see a credit of +£57 at the end of the month, if nothing had been spent. Wouldn't you?

I didn't understand. I telephoned Yahoo and a sweet person on the end of the line kindly explained to me that:

"Yahoo have closed your account because it hasn't been used for xxx months" I can't remember whether this was 2 years or 18 months or..what?

I said "Does that mean the money has gone back into my bank account?"

She replied "No, the money has been absorbed by Yahoo."

"Why?", I asked.

"It says that in the Terms and Conditions which you signed when you opened your account"

I was shocked...and exploded, uttering "!*!*!*%£"&^£&****" or words to that effect.

SO, it was my fault. I read Yahoos t&cs! I was a fool because I didn't read the T&Cs thoroughly enough to see that they had written in a very shoddy business practise - entitlement to STEAL my money.

I don't see that it's my fault for not reading Yahoo's Terms and Conditions - Would you really expect Yahoo to adopt such outrageous business practises? I thought they were better than this!

If you have a bank account and you don't use your account for a couple of years, would you expect your bank to empty the account because you failed to use it for two years? No! Nor me.

I rang my bank to check their terms and conditions. I was assured that they would not do that. The money would still be mine.

I confess, I did not read Yahoo's Terms & Conditions thoroughly. My personal omission. But if I read all the terms and conditions of every website I have signed up to, and every business I have done business with, and every service I used, I would never have had time to use any of them, or indeed, sign up. Almost all T&Cs are turgid documents or impenetrable dreary legal nonsense designed to make you expire before the end. I could count the ones I have read on one hand, and those I haven't, including my bank, credit card, mortgage, bank loan, internet provider, shoe manufacturer, egg supplier, butter maker, pharmacy,....too many to list.

But at the end of it all, you expect reasonable business practise.

I class Yahoo's practise as THEFT. Yahoo took £57 from me and claim legal right to do it! It's not a huge amount of money but it is still NOT acceptable.

I will not use Yahoo again. I will never encourage anyone to use Yahoo and will do everything to discourage anyone from using Yahoo. Avoid them! Of course, the choice is yours but I hope you will not be as stupid as me. I admit I was stupid. I didn't expect them to practise such sleight of hand. I expected them to be better than that.

I will be taking a complaint to the Office of Fair Trading.
I won't use Yahoo again unless they reimburse me and change their T&C wording for a pracise which is more honest and honorable, and won't encourage anyone else to use Yahoo either.

My advice - Read their crooked T&Cs and be warned.

Wordpress Plugin - Headway 3 Launches

If you haven't come across it, Headway is about the best plugin available for Wordress blogging platform in that it not only facilitates all the flexibility of Wordpress, but gives you unrivalled control of design and look perfect for the non technical, and the natural website designer. I use it all the time for everything.

You can take full control of your website's design with Headway for WordPress and its intuitive drag and drop layout creator.

At present the developer version comes included in the price which allows you to design sites for clients for no additional cost. but it's being upgraded to Headway 3.0 which will be availble from November 25th.

With the release of Headway 3.0, upgrading to a developer license (if you don't already have one), will cost more.  Plus, those who do not already own Headway will pay an annual renewal fee. 

This does not apply to those who already own Headway at the time 3.0 is released.  They will always get free upgrades and support.

Since their prices are going up and since they are moving to an annual renewal fee, NOW is a great time to buy Headway Themes.  If you buy now, you get Headway at its current price. Plus, and this is the best part, you get free upgrades and support. 

If you wait until Headway 3.0 is release, you pay more and will pay an annual renewal fee for updates and support. 

My advice is, don't wait BUY HEADWAY NOW!

Make money building Sqeeze Pages in just a few clicks

FBResponse lauched at the World Internet Summit
The World Internet Summit UK 2011 just ended in London last night at the end of the World Internet Challenge. One lucky woman left the Summit with around $30,000 in prize money - the lucky winner of the World Internet Challenge London 2011. The challenge this year was created by Steven Essa.

Steven Essa created and launched a unique piece of online squeeze page creation software called FBResponse that builds a list really quick. As all Internet marketers knows, 'the money is in the list'. Your list enables you to earn cash day after day, and even while you sleep. Ordinary business can learn massively from these techniques but few of them understand. This is not just a technique for Internet businesses.

When was FBResponse released?
FBResponse  was released on Thursday night at the start of the Summit, with delegates encouraged to promote it. Accumulated sales were announced every day and over the course of the event, sales amounted to around $29k and still rising. That's $ 29 earned over just 4 days! One lucky attendee wins the total income from the challenge over the four days of the event.


And what is FBResponse?
If you are struggling to make a list because your sqeeze page sucks,  FBResponse will get you out of the pit. FBResponse is a staggering piece of software that builds squeeze pages for you in just a few clicks! And I'm serious. If, like me, you also get people entering fictitious email addresses, or a secondary email address that they never read, then this cracks that too.

Not only does it build great squeeze pages but when a visitor lands on your squeeze page, all they have to do is click one button and the software automatically loads their details for you, their full name, and their email address. It's a stunning bit of 'must have' kit.


FBResponse Squeeze Page Builder Benefits

This software has three big benefits for you:

• It make the process of opting into your list extremely easy. Why? Because instead of having to type in their name and email address manually, the information is automatically populated thanks to Facebook.
• On top of building your list extremely easily, FbResponse ensures you get your subscribers primary email address because it pulls it from your subscribers Facebook profile.
• And to make the process super easy, FbResponse integrates with the popular autoresponders like Aweber and Get Response. But if you don't have an autoresponder, when you purchas the software, the even give you a free autoresponder that you can use.

I was at the summit and didn't have a chance to look at the software until it was over and now I've seen it I can understand what all the excitement is about. One person in the audience sent it to her 15 year old nephew to try out and discover what he could do with it. This kid had never tried to make money online before and didn't know what an a squeeze page was but this bright little entrepreneur earned $800 in less than an hour offering to build squeeze pages because he discovered how easy it was.


This 15 year old kid earned $800 in less than an hour through Facebook! 

This kit builds squeeze pages in minutes. There is a market for this to earn money! 


He was supposed to be doing his homework!


If you want to make money online and suck at making squeeze pages, you should check it out now before the price goes up. Go to FbResponse.

5 reasons to buy Master Resale Rights products and set up a home business

It can be hard work and very frustrating, searching for the right home business but there is one way that cuts through the difficulties. Buying master resale rights products can be a great way for people to start their own business online, and work from home.

Here are 5 good reasons why you might think of buying Master Resale Rights products to start your own business, in a world wide marketplace:

1. You can start your own business without the need to create your own product. Creating your own product can be onerous and requires a good understanding how to assess internet demand and competition. You need a clear understanding of your niche and you need to understand what people want. There is always the option to create products of your own at a later date, when you understand your business better.

2. When you buy the Master Resale Rights of a product, this gives you the ability to benefit imediately, from someone else's effort at a very small cost. This gives you powerful leverage. The designer of the product has given you the right to sell this product as many times as you like, and keep 100% of the profits. You have paid for the product once, but you can sell it thousands of times and normally, the price you charge is up to you.This is different from an ordinary high street business, where a retailer sells the same product again and again, but is only able to keep a small percentage. With many products (depending on the resale rights agreement) you can modify the graphics, and you can even claim authorship of the product. So for a small fee, you can claim the product is yours.

3. If you are buying digital products with master rights of resale, there is no physical storage or warehousing involved. When you sell digital products online, you only store one copy of the product. There are no transport or physical delivery issues as the product is delivered online.

4. There is a huge range of digital resale rights products available for sale covering every conceivable niche. You can find master resale rights products in almost all of them. If you buy the resale rights of a product, you can test the niche without committing any major expenditure and if it doesn't work for you, you can change your niche and try again. It doesn't cose you much to experiment. What you need more than anything, is commitment and determination to learn, and succeed.

5. Selling resale rights products online is relatively simple. It can be onerous setting up a home business but because these are digital products which can make it quite simple. With digital products you don't need to manage stock inventory, there are no logistic problems. All you need to do, is make them available through your website, through email link, and focus on marketing. With many resale rights products in the Internet marketing niche, there is also considerable opportunity to learn the skills required to build a successful online business.
If you are searching for a really profitable way to begin earning money online, then master resale rights products can provide an excellent solution requiring minimum risk, and financial investment.

With Master Resale Rights products, you buy them once and they are yours free to sell as many times as you like.

10 Tiips to avoid make money from home scams

There are loads of Internet marketing systems that persuade you instant cash, some are pure make money from home scams. Some of these give you a product and a website of your own, and promises of a substantial income. The cost of buying into a program be considerable too; some may be just a few dollars and others can cost you hundred, and even thousands. The one thing they have in common is that they are extremely seductive.  But what can you do to protect yourself from a “make money from home scam”?

There are hundreds and thousands of desperate people who are looking for ways to make money from home, and the number grows in periods of economic misery when people are loosing their jobs. Even though times are hard, there are also lots of people who are eager to help desperate people out of their last buck with enpty promises.

So what can you do to protect yourself from the clutches of these people. How can you prevent yourself from losing money in a fruitless make money from home scam? How do you be sure you are being offered a genuine helping hand?

Although it seems a bit cynical, I think you can be certain that if someone comes to you offering an opportunity for quick riches, they are probably looking after themselves more than they are thinking of you. I imagine that their own income will be seriously increased if you, and others like you, take up of their offer. So be on your guard.

I have been conned in the past myself and paid out hundreds of dollars to take part in fruitless schemes in the home of making money when I needed it and would advise you to think more carefully about the costs and benefits for you, of any work from home system you are tempted by.

It is possible to make money online, and there are some worthwhile systems, but there are also some real scams. You need to take care.

I have are 10 tips - questions you can ask yourself to help you hold onto your cashe and not get your fingers burnt:

1. How much are they asking for my initial investment?
2. Are they asking for a regular subscription?
3. Can I afford to lose this money?
4. What are the potential gains?
5. If I am not successful, can I accept the loss or will I or my family be harmed by it?
6. How much time do I need to commit to this program? Can I set aside the time that’s necessary?
7. Is there a guarantee period during which I can get a refund? 
8.  Is there a minimum time I need to belong, or pay my subscription?   
9. Can I leave at any time?  
10.  If I stop paying and leave the program, do I stand to gain enough benefit for the money I have paid?

In asking yourself these questions you can measure your attitude to risk. at the same time as assess the impact of the loss of money against the potential benefit. Good sales letters only want you to focus on the benefits and as you absorb those, you become sucked into to paying for the program. 

When you ask yourself these questions, they will help you get a better understanding of whether your current position can be improved, or made worse by participating in a program.

There is no doubt that you can make money from on the internet, and from home, but it's not a one-click event, and you are unlikely to get rich overnight. 

So, what if you don’t? Is everything resting on your success or failure at the program?

If this is the case, stay away. That's a bad way to start. Don’t risk it because your mental situation will not be in the right place to succeed anyway.

If the initial investment is high, there is no certainty that you will achieve the results they claim. Success comes from within, and you need to focus and commitment to succeed, as well as the system that works. You cannot succeed just by paying for a program.

There are programs that work, but they are unlikely to be instant cash machines for your benefit. The only instant cash machine is the one feeding the person who is selling you the program. Take the tour, keep hold of your purse, and make sure you get to keep 100% of the money.

My simple advice is invest small amounts and  commit your energy to learning and to your eductation but know also what you want to get out of the course or program. Go for real products and resources, and stay away from fantasies amd pictures of yaghts and fast cars. There is lots of useful free information on the internet can use that too.

There is no such think as instant success or one-click results. Success takes effort. To achieve results you do need the tools, so do not be afraid to spend money on the right tools.

In summary – to avoid the scams:

Tip 1         Do they a ask for a big payment or subscription?

Take care – how much can you afford to lose? Can you afford simply to give that money to someone else and see no return? If there is no guarantee – avoid it.

Tip 2         Will they pay your way in?

Not many offer this but there is an advantage for you if you are not taking much of a risk.

Tip 3         Do they pay out?

Where is the evidence? –  your success will still depend on your efforts.

If you are tempted into a program where you can get paid from home, take care and go for minimum investment. Make sure you get to keep 100% of the money and that they have a record of achievement. Take the tour to make sure their program is right for you.

Read noBS reviews of home business opportunities

How to register a domain yourself

Registering a domain is simple process and nothing to be frightened of. There are loads of domain registrar sites on the Internet where you can register your domain, and you may have heard of some of them: Godaddy, 123reg, 1and1, and Whois are just a tiny sample, and there are hundreds of others.

Mostly I use Godaddy because most of the pros seem to use them and they are well priced, its easy and secure.

The system for registering a domain is pretty straightforward and similar whichever registration site you pitch for and there are lots of videos on YouTube that show you how to register if you get stuck. Most of the sites have comprehensive instructions too.

The only things that differentiates one domain registrar from another, in my experience, is price, and the speed at which your domain name becomes available - but that may be out of their hands, I am not sure. However, some domain register sites are cheaper than others.

One point you may not be aware of: when you register a domain, it becomes available for your exclusive use only up to the renewal date. If you fail to renew then the domain goes back into the pool and can be used by someone else. For this reason, it's important to keep on top of renewals, if the domain is important to you.

The steps are largely the same and as follows:
Enter the domain site and find the search box where you can check whether your domain is available.

Enter the domain name that you are thinking of registering into the search box, and the extension (ie .com, .co.uk or other extension), and click search. The registration site will go off and search the database to find out if the domain is free.

Frequently search results are returned that show your chosen domain name is available with different extensions. Some sites give you a range of similar names to choose from if the one you are looking for, is taken already. These results can be a great help if your preferred domain name is not available.

Select the domain you want, then proceed to the check out. Most registrars will try to get you to pay for web hosting as well, but you don't need to do this and may host your domain wherever you choose. Follow this link to find out more about how to register a domain, and web hosting.

TIP – it doesn’t seem to matter which website you register your domain at, or which country the registrar is based in, once you pay for your domain, it becomes your exclusive property to use, until your lease has expired.

Although you may find that some sites may not offer every domain ending, you will find one that does. Just go to another as there are so many to choose from. I have used all of the above at one time or another and I have no idea where they are located, but they all seemed to work without any problem. I am based in the UK, and all these sites are ok if I want to register a domain name uk or if I want to register a .com domain.

There are two elements to registering a domain though: registering the name, and deciding where to host it.

Most registrars will try and sell you hosting as well but you may not want that. Hosting describes the actual location of the computer that your website is stored on. The hosting computer can be with the registrar your domain, or it can be anywhere else you choose. Once you have registered your domain, you can change the settings for the webhost if you need to.

You might wonder about the cost to register a domain name. Registering a domain name is generally quite cheap. For example, depending upon where you go, a .com is around $9.88; .net at $9.88; .tv at $34.88; .co.uk at $6.88. All these prices are per year.

Once you have purchased (leased) a domain name, you then need to pay for hosting. The price of hosting also varies alot and can range from aroun $4 per month to much more. I only use hostgator now because their technical support is just brilliant and since I'm not very technical, it's been really helpful for me.

The basic hostgator web hosing plan starts at $3.96 per month at the moment and offers unlimited disk space and bandwidth. Currently, you can get a good discount by quoting this Coupon code: IHL28JUL11 when you open a hosting account with them. I have been really pleased with hostgator, and wouldn't use anyone else.

Follow this link to find out more about web hosting, and how to register a domain and other hosting questions.