So what we have are five areas that we must market effectively if we want to spark an initial attraction from women. After that, it’s up to you to show what a great guy you are: let her know you’re special, unique, one of a kind. That’s what makes you…a best-seller!

1. Ambition

From an evolutionary stand-point, this one makes complete sense. Think cavemen and cave women in the Stone Age, with some of the weaker cavemen seeking a higher station in the tribe. Who do you think the cave women went for? The men who hobbled along meekly in the bottom of the order…or the men who strived for more and sought a higher place in the pack? Much of a woman’s desire to be with a man who is ambitious and seeks success, is based simply on survival: The more powerful the man, the more likely she’ll survive and live well. Logically, going for a guy who has no ambition means she’s likely to live in poverty and struggle. Not very appealing, is it?

So you have to present yourself as a guy who’s not satisfied with his station in life. This is good for both you and her. If you’re making $6 an hour at McDonald’s and are content to stay there, not many women are going to be attracted to you. But if you’re making $6 an hour and working your ass off to own your own franchise, taking business classes at night so you can learn how to run a business: well, suddenly you’re not so bad-looking!
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Believe me, women will give men a chance, they want to give men a chance–as long as they see potential. Know that quote, “Behind every great man is an even greater woman”? Show you’ve got potential and direction, and you’ll get that great woman.

2. Status

Again, evolutionary instincts of survival make women naturally attracted to men of high status. High status=good living for herself and her children. Fortunately, projecting high status does not have to be difficult; according to Roberts, “Wearing the right clothes, especially nice shoes, can go a long way toward portraying wealth. Taking on the unshaken or unworried attitude of wealthy men can project affluence. Hesitant, irresolute, bland men come across as having lower incomes and being less reliable.” Got that? You don’t have to be a powerful, articulate man yourself-you just have to project similar qualities.

Some of these qualities include:

* Not putting yourself down. Without being a braggart, talk positively about your accomplishments, job position, and possessions-even if they’re not much. If you treat things as a big deal, other people will, too. Conversely, if you downplay your accomplishments and character, women will, too. Your attitude is contagious, so make sure it’s an enthusiastic, enlivening one that people enjoy.

* Act like you deserve good women. Don’t let women assume a higher status than you. Show them that YOU are the one with higher status. You can do this in a number of ways, including not acting impressed by a woman’s beauty or career (say, she’s a model); teasing her about her clothes or makeup; and asking her to buy you a drink. Chances are she won’t, but just by acting like you deserve it, you raise your status! She’s not such an untouchable goddess in the end.

Remember, as well, that women want to EARN a man; they relish the challenge of luring in a winning catch. So play hard to get: talk to other girls, say you’ve got to be leaving just when things are going well, don’t immediately ask for her phone number. If you act like a man who can have his pick of women, then chances are, you will!

* Knowing people of high status. This is a great one. Get to know the people of power: the club owners, bartenders, maitres’d. Position yourself as a sociable person who’s in the know. When a woman sees you getting special treatment and chatting with high-status people, she’ll see right away that you’re someone of importance. It will also reduce the importance of the other factors, such as height, money, and ambition; immediately you’ve proven yourself valuable.

* Social proof/Female acquaintances. Hey, nothing says, “This guy’s attractive” than having females around him. Of course, the hotter they are, the hotter you look, but even just having average-looking female company can only help: it shows women that other women are interested in you. Do your best to get your female friends and family (sisters, cousins) to come out with you. It’s social proof, and it works!

* Wearing nice clothes. “When a man is well dressed,” writes communications expert, Leil Lowndes, “it signifies his ability to provide for her offspring.” You don’t have to be rich and powerful to wear nice clothes. You just have to show that you’re a man of quality, a man headed towards somewhere who pays attention to dress (something women cna never get enough of). Formal clothes, such as a suit, convey that you are serious about success; you desire good things. So just by wearing a nice sports jacket, dress shirt, and slacks, you let a woman know you’re a man with status. You’re a man who could provide for her and her children.

The colors you wear are vital: Studies show that red, burgundy, and black clothes convey high status. So get yourself some slick black suits or formal wear, a red shirt, and one of my favorites (and girls’!), a sleek burgundy button-down shirt. They all convey regality and strength.

In the case of red, you have the added bonus of sexuality, power, and dominance: definitely good qualities to portray! Go and purchase a nice red polo shirt, or red tie for your suit.

If you enjoy white clothes-the color of purity and cleanliness-then make sure you work on your TAN. White clothes against a dark backdrop make you look exotic, sexy, and well-travelled. You don’t have to be an jet-setting playboy, to look like one!

* Winning body language. Women judge men by the way they move and position themselves; it’s part of their superior communication skills to know what a man is thinking or feeling based on his body language. So, position yourself in the right way: don’t slouch, sit upright, gaze at her knowingly, lean into her to initiate intimacy. I’ve got a great column on body language that will teach you the right ways-and the wrong ways-to project high status.

3. Financial Resources According to Matthew Fitzgerald, “Studies with college coeds show that when shown photographs of men dressed in high-status uniforms, ties, expensive watches, etc.) and low-status uniforms, these women would be significantly more willing to enter into relationships with the more expensively-attired males regardless of the man’s physical appearance. To a woman, attraction is simple: green is very good-looking.”

Okay, so not every guy has money for expensive suits and watches, and materialism may not be part of your game. However, if you want to impress women, one of the fastest ways is by wearing snazzy clothes, sporting nice shoes (girls LOVE shoes!), and driving an expensive car. Especially when it comes to designer brands, women are VERY keen at spotting high-quality products. It’s just part of their nature; with expensive possessions come high status and ambition, and a more comfortable lifestyle. Again, this all comes from their instinctual drive for survival and prosperity for themselves and their children. By owning the best, you become the best. At least on the surface.

Ultimately, if you want true love it’s up to you to find women who share the same goals and values. If money and status aren’t the most important things in life for you, don’t chase the girls who do prioritize those things. Don’t go for the shallow, bitchy types who only judge a man by how much he can spend on her.

4. Educational Level

Knowledge really is power, and on top of that, it’s an aphrodisiac! Gone are the days when being smart was acquainted with being a nerd; now, knowledge and intelligence are your friends. It’s the easiest way to money, and the easiest way to success. So show it off a little. Let her know your TALENTS, your interests, your areas of special knowledge. As Roberts writes, “Women are drawn to experts like the Crocodile Hunter, Bill Gates and Chris Rock because they’re experts in their industries.” None of those guys is particularly good-looking, but they’re good at what they do, and parlay their knowledge into success, which drives women wild.

A guy who’s an expert is one who is clearly successful and of higher status. At the very least, having a special knowledge means you have the TOOLS for success, and can provide intellectual stimulation for a girl (which, unless she’s a bimbo with an IQ of 70, is quite important for women).

Additionally, just being in school is a great way to show off your knowledge: “If you’re in school, not only are there more women available, but you’ve already demonstrated to them that you’re getting educated. Otherwise, it’s up to you to come across as reliable and credible without making her feel dumb.”

5. Physical Aptitude

Physical height alone is an easy way to catch a woman’s attention, but it’s not the only thing. Again, evolutionary mechanics come into play here. A man who is tall, strong, and athletic is more likely to fend off threats to the woman and her children. He is also more likely to have a strong immune system, which will further aid their chances of survival. So, you can’t blame women too much for valuing these things: in the world of female attraction, it really is a survival of the fittest. Those who show women they are in shape and healthy are much more likely to survive the dating game! Ergo, athletes, bouncers, firemen get the girls.

As for height, it’s all a matter of perspective. We’ve all seen short guys with tall beautiful women. Neil Strauss himself, the best of the best pickup artists, is just 5′6″ yet gets more beautiful women than we can imagine. How? By believing in himself. By positioning himself as a man of high status. By not bowing down to women of greater height or beauty. And by being a guy women know is fun and energetic to be around. In short, he’s got INNER GAME, and when you have that down, nothing can stop you. You may even find yourself dating women who are taller than you!

But remember, presenting a man who’s healthy and strong, willing to stand up for himself and the girl in a fight: that’s the kind of guy who women will go for, regardless of height. Did you know that men with strong immune systems give off pheromone scents that women are instinctually attracted to? If you pay attention to what you eat and go to the gym on a regular basis, you’re going to build your immune system up, and attract women without even trying! So do it, and watch the number of dates you get, soar.

In the end, men are like books: women judge them by their covers. But inside is an even greater story. So make your cover captivating, and you’ll become a “best-seller” in no time!

James Brito, Relationship Expert

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This doesn’t appear to be an uncommon occurrence; just Google “cut off his willy” and there are numerous references to this form of revenge.  In fact I did hear that some ladies have taken this one step further, and attached their partners’ manhood to helium balloons so as to ensure that they would not be able to have them sewn back on again. Ouch!

What is the message being conveyed?  Is the aim simply to make sure that they won’t be able to do THAT again?  Or “you hurt me and so I’ll hurt you”, in the spirit of “an eye for an eye and a tooth for a tooth”?  Or is it to expose their actions to the world at large, to embarrass them just as you feel you have been embarrassed? Is it simply a way of lashing out?  All of the above are intertwined, I’m sure.

Not everyone responds in such a dramatic manner.  Have you watched the film “the women”?  It’s an intriguing film, with Meg Ryan (in the most recent version) playing the housewife who thinks everything is running along quite smoothly….until she discovers her husband’s dalliance with the perfume girl in their local upscale store.  This film depicts every type of woman, all ages, shapes, sizes and mentalities – and each has their own take on how the husband should be dealt with.  The mother’s is the voice of reason (and experience) recommending  a stiff upper lip combined with a period of playing hard to get, and letting him know what he is missing.  Sensible woman – this approach was working rather well, until friends added their opinions into the mix!
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But, how do you control your emotions, and turn a blind eye, when your heart is breaking?  And how do you know if your partner is just having a minor dalliance or if they have really fallen in love?  It’s very difficult, if not impossible, to be logical when your emotions are involved.  Logic and emotions are like “oil and water” and rarely do they mix well in these circumstances.  In fact whenever you are confronted with a situation perceived as a threat (and this type of circumstance definitely falls into that category) your higher brain functions are effectively cut off, ensuring that you cannot think logically.  One has to step back and calm down before your logical brain can re-engage.  Your emotions definitely need to be managed in such circumstances. And hypnosis can be invaluable here.

Whether it’s best to lash out or to turn a blind eye is a matter of personal opinion.  Either way, there’s a lot you can do to help yourself to think logically and deal with an undesirable situation in the most effective manner possible.  And if it does end in a permanent rift, it’s massively important to be your own best friend and to make it as easy as possible for you to move on.  There is an art to moving on after a broken relationship, but you can learn it, and apply it.  Hypnosis is extremely useful in all this as in itself it is a state of relaxation, and allows you to take a step back and think logically;  you can rebuild your confidence and see things from a different angle with a few well placed suggestions…and prepare yourself to attract a better partner into your life.

Roseanna Leaton

BSc (Hons)(Psych), DHP, MIAPH

http://www.RoseannaLeaton.com

Roseanna Leaton

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You may be one of the many thousands of prospective Internet marketers out there who are searching for a way to get involved in selling online . If so , you should look into the possibility of adding dropship products to your methodology. Why is this technique so good for beginners? Read on more about kids name brand clothes wholesale. If you simply look at online commerce the same way as any other sort of business, you can see that it is actually not that difficult ; no more so than running a standard brick and mortar store in a physical location. One straightforward way to get started is to acquire a dropship list from a respected product sourcing service. See more about kids name brand clothes wholesale by reading on. What’s this, you ask? It’s simply a service that puts you in contact with sellers and distributors who agree to drop-ship their merchandise.

What’s drop-shipping and how can be of benefit? Drop-shipping basically means you’re selling items you don’t really keep in physical stock – your seller actually ships your orders for you, and bills you as the orders comes in. Learn more about kids name brand clothes wholesale by vising my site. This way you don’t have to keep a physical stock of products.

The best thing about drop shipping is that you can start with no upfront inventory capital cost. That way you can try a line or class of products before you make an enormous investment in time and advertising.

Dropshipping is a particularly profitable way of earning heaps of profits. This business has appeared as a life saver for lots of recession struck folk. As we all know that this recession is the most important after the great depression ; although, almost all of people did not even know about the great depression, before this. Millions of men and women got fired, with enormous businesses filling for bankruptcy. Get full details on kids name brand clothes wholesale by going to my website and viewing the comparisons. Selling dropship products started way back before the internet. See more details about kids name brand clothes wholesale and read on. It works in this way : you sell a product, but do not really have it available in your warehouse. You only pay for items when they sell.

To sell dropship products on the web, just get a hold of one of the various fine product sourcing lists that are available. Join up with your vendor and then start promoting products, either on your own web site, eBay or free web sites like Squidoo. After you see how easy and effective this strategy is, you’ll question why you waited so long to start. Before, you can even think about initiating an internet dropshipping business, it gets actually necessary to identify the most appropriate dropship tools that can help you fulfill your goals. Get full details on kids name brand clothes wholesale by visiting my site. A number of helpful forums and blogs are operational online that will help you identify these tools, and become successful. A dropshipping directory would offer you the most suitable dropship tools that are required for an fantastic great start. The most important thing that you’ll have to look after is searching for the most acceptable dropshipping directory, which can give you all of the mandatory tools, and reliable dropshippers.

You’ll be identifying the products that you can market effectively, and for that matter, you’ll have to contact the supplier that will drop ship the products for you. It’s also important to identify your area of interest, instead of marketing for a completely unknown product, so you can do it simply, and efficiently.
Dropshipping is simpler ; all you need is to identify the most acceptable dropship tools that can help you with your business. Hope you got all the details regarding kids name brand clothes wholesale. Never fall in trap of trick directories, and always go for a true name in the drop shipping business.

Bobbie Underwood

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Your personal theme can be changed, just like you change the theme of your browser or your computer. Your theme is built from partly what you have experienced in your life, partly what you have been taught, and partly from you genetics. These are the recurrent attitudes you approach life with. That’s your theme.

If you are worried constantly, “easy to anger”, take life with a “grain of salt”, are “always optimistic” about what is going to turn up – these are all life themes.

You change them, like any habit, through substituting another habit for them. Yes, attitudes are habits. They are adopted by repetition.

You can control any of your attitudes, and should. Just as you stand out if you are laughing at the wrong point in a theater or crying when everyone is jubilant around you at a football game, you attitudes should be appropriate for what is going on around you. This doesn’t mean you agree with everyone’s reactions – but you can decide whether you want to call attention to yourself.

I covered this point of controlling your attitudes in my book “Go Thunk Yourself(TM)!” Re-programming your habits was covered in my “Go Thunk Yourself, S’more!”.

Of course, I’m doing this for myself as I write this. The re-programming I’ve been doing in my own life has some interesting results so far. The program, as you may recall, is to play “The Secret” DVD several times every day for at least 30 days – and follow the tips and techniques in this DVD. You can also use Earl Nightingale’s “The Strangest Secret”.

I often listen to this as background while I am doing other work. What I’ve found is that my basic core attitudes have been changing. The text of the DVD has been becoming almost subliminal – listening to something like this makes it become nearly learned by rote, you often know the upcoming part and what is going to be said next. This is the exact point. If you can find a single recording which has a complete system on it, playing it over and over enables you to learn this and reprogram your life with it. There aren’t a lot of these recordings, but you will find that many authors such as Wayne Dyer and Earl Nightingale said to constantly play other self-help tapes in your life, to surround you with these articles, books and so on. You are going to reprogram yourself in this fashion.

Oddly, you can do this by simply turning off your radio, TV and reading less newspapers during your day. It’s interesting to see how quiet things are and what thoughts now come into your mind. If you do this, you can see what you are constantly thinking about during the day – what your “theme” is in life. You will see what your attitudes are and how you deal with things around you. Because you aren’t constantly being inundated with stories of the dead, dying, or threatening – you now have time to track your own thoughts. And then you can decide whether you want to change them or not.

Reprogramming is like gradually replacing all the colored clothes with whites or vice-versa. You mostly only can pull out a single item at a time and sometimes you pull out the wrong thing – but it’s ok to drop something back in. Sometimes you don’t have a choice, since a white long-sleeved shirt might be entangled with a pair of jeans. But you simply take out the pair, untangle them, and then put back in the one you want.

As you play an MP3 or DVD daily, you start to give yourself a recurrent line of thought to compare your other thoughts with. What I’ve found is that this method will show up a regular and definite chronic line of thought in your life. With “The Secret” DVD, I’m starting to change any old patterns of self-doubt, anxiety, temper with the positive emotions I really always have cherished. Only now, I can simply keep these positive emotions in my life as a constant theme.

So in your efforts to change your own theme, you are simply changing the world around you. That’s just the way it is. The only way this could fail would be in your keeping all this great stuff to yourself. But then, you’d be surrounded by people with secrets, wouldn’t you? And you would have mysteries constantly appearing in your life, wouldn’t you?

Your world and what you think is entirely up to you. What you experience around you is up to you. If you don’t like the stress in your life, if you don’t like the arguing, if you feel like you don’t control where your life is heading – change it.

I’ve laid out in this article how you can do it. You can change your life to whatever you want it to be. You can travel, become a millionaire, live a rock star’s life – anything you want. For me, I like living on a farm and having the time to do my artwork and write. You might like more action in your life – I cherish solitude. What you want in your life, what your theme is – all of this is up to you to change and sort out for yourself.

Whatever your life’s theme song is – it’s up to you. And only up to you. No one can change your life for you. Get one of the classics, or one of my books, or several – or listen to Dyer’s tapes, or Nightingale’s. Or pick up anyone else’s and play them constantly for yourself, for your own personal good.

And you’ll find your theme changing – so let us find you constantly humming your own theme song.

Dr. Robert C. Worstell, Phd

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Saturday morning arrived and there were activities I needed to get my kids to. They both were still asleep so I first entered my son’s room. I should say just barley entered. His bedroom door would only open an inch. I tried to push my way through as I toppled to the floor. There were clothes, books, dirty dishes amongst other things all over the room that I could not even tell what they were. I woke him up and could feel my blood boiling. Next I went to wake up my daughter and deep inside me I new I would find her room in shambles as well. Needless to say they both did not go to their scheduled activities that day.

They both worked for hours on their rooms but when they were finished they came to me and proclaimed that their rooms left much to be desired. Both rooms had been designed by me when they were younger and they did not feel it expressed who they were. They went on to tell me that their needs and stuff they had acquired over the years had far out grown their rooms. It lacked organization and a place that represented who they were. I listened to them and together we all came up with creative ideas.

This article hopefully will help other families go in the right direction. It should give you the tools and ideas to help make your lives a little more organized and serene. I will begin by laying out the road map that my own family took to reach the goals we set for ourselves.

The most important thing when decorating a teens bedroom walls is to allow the teens input so that the room is a reflection of who they are. Teens live stressful lives just like the rest of us so they need a place to retreat and feel comfortable in. They are still searching for who they are and designing their own bedroom walls provides them an outlet to express themselves creatively.

Teen wall decor decisions will vary depending on the teen in question. There are a number of different ideas for you to explore which will hopefully produce for your teen a room they can enjoy and a look that the parent approves of. Be sure to take in the size of the room, your budget and the practicality of the style. You also need to consider what end of the teenage scale your child is on. Teens taste and sense of self will change considerably between thirteen and eighteen. So be sure to tread lightly with fads and trends that are likely to go out of style. After all you do not want to take on this task again next year.

What we did is we all sat down together with pens and paper. I then asked this question. What are you crazy about and what really gets you excited? I then proceeded to ask them about their hobbies, sports, and a location they love to visit or a topic they want to learn more about. I had them write all these things down. This is the list of ideas they came up with: Dolphins, Birds, Abstract, Flowers, Sports, Space, Fashion, Animals, Music, Numbers, Moon and Sky. I recommended that they choose one idea from the list and making this interest the centerpiece of their room.

We first looked at lots of pictures from books and magazines and spent hours on line at different decorating web sites. We also watched a couple of home decorating shows on television and went to a design center and talked with others to get some ideas. The first thing to realize is not to rush. Take your time since this will be the room that you chill and hang out in.

My daughter decided on fashion as her bedroom theme while my son choice was sports in particular football with the main theme being the Bears. We then gathered in our car and took a drive to the paint store. We browsed through many selections of different colored paint chips until the ones caught their eyes and attention. My daughter picked candy apple green while my son stuck with the Bears colors of navy and orange. All of these being popular colors according to the many hours of research we had tackled.

For one of their walls for each of their rooms we bought a paint that had a faux texture designed that seemed to shimmer and shine. They decided they would keep this wall bare so they could keep adding additional items such as posters from a movie or concert that had seen. In this way they always had space so they had room to grow and develop.

My son had found on line a beautiful hand woven wall tapestry of Soldier Field where the Bears make their home and play their games when in Chicago. He made this the focal point of the room and placed framed artwork of Bears Players all around it. He also hung pennants and his prime passion of an autograph jersey that his favorite player had signed. He is also handy with wood and built shelves along one entire wall. Then with wall paper borders of pictures of footballs went along the edges of the shelves. He was able to use these selves to display his trophies and had space left over for his entertainment system.

Meanwhile fashion was the main theme for my daughter’s room. She had also spent hours on line in search of her perfect design. Like most girls she loves to go shopping and purchase as many shoes and purses imaginable. So I was not at all surprised when I saw her selection for the focal point for her room. It was wall art made up of whimsical purses. It was defiantly cool, hip and certainly prissy. The purses came designed with stripes and swirls of polka dots and matched her candy apple green walls. They had white ribbon and are embellished by a metal snap closure and silver balled feet. This design is definitely unique and personal.

There are three inch letters attached and painted with matching silver. She named her space by hanging each letter of her name over her bed. On the wall opposite the windows she purchased a silver frameless mirror that made the room look double in size. It also came with a pegboard message center and held colorful bins for plenty of storage. We then commissioned a local art teacher from a public school located near our house to hand paint a mural on the wall opposite the display of purses. My daughter is artistically inclined and drew a sketch of abstract designs that the artist successfully copied on to her wall. It truly accomplished the customized look she was going for.

All I can tell you is it has been about a year since we finished making their rooms a place they can call their own. The best part is they have kept their belongings in place and they spend many hours studying, laughing, entertaining their friends and most importantly keeping their rooms neat and tidy. Be patient, creative, listen and if you follow these steps you will also have tranquility in you life.

Barbara Tobiasz

Starch is useful in ironing, but only in limited amounts. Learn about making your own starch and other tips on laundry and clothing care in this free video. Expert: Melody Mooney Bio: Melody Mooney, domestic goddess, is a not just a house cleaner, she is a super house cleaner! She was born in Calgary Alberta, Canada and her first job was as a chamber maid at a travel lodge. Filmmaker: Grady Johnson

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It seems as if everybody else is doing it – shopping online, that is. There’s the co-worker who bought all their Christmas gifts online without ever setting foot in the crowded local mall. Or the friend who won a bundle of like-new, brand-name baby clothes on eBay. Or your son’s college roommate, who paid hundreds of dollars less than your son did for his college textbooks, simply because he ordered them online rather than from the University bookstore.

If you’ve been meaning to learn to shop online – whether at an online retailer like Amazon.com or an auction site such as eBay – it’s time to quit procrastinating, conquer your fear and dive into the waters of cyberspace. You’re not only missing out on good deals, convenience, and worldwide product selection, you’re actually losing money.

1) Good deals: With the growing popularity of price-comparison websites, it’s easier than ever to find a low price on a product you want. I just typed “iPod Nano 8GB MP3 player” into one of these specialized Search Engines, and got 33 results with prices ranging from $229.99 to $292.75 – that’s a $62.76 price difference. The search engine also listed available rebates and factored in shipping costs.

2) Convenience: Not much explanation needed here – you can shop from home at 3 in the morning while wearing your pajamas. You can shop from work during your lunch break. You can shop from the hotel room when you’re stuck overnight in the middle of nowhere. And you don’t have to fight crowds, prowl the parking lot in search of a place to park, or drag screaming kids around.

3) Product Selection: When you shop online, you’re not limited to the stores within driving distance or even the stores you’re familiar with. You can shop just as easily from a home-based artisan as from an exclusive upscale department store like Saks Fifth Avenue.

Odds are, though, that you already know about deals, and convenience, and selection – so why haven’t you started shopping?

Here are two additional reasons that may encourage you to start.

4) Shopping Online is Safer than Shopping Offline: A survey from Paypal UK published in November 2006 found that you’re much more likely to be a victim of physical theft in your home town than to suffer fraud in the digital world.

More than a third of respondents (35%) had been victims of property theft, but only 15% of UK adults surveyed had been victims of online fraud. Similarly, around 71% of Brits know someone who has had their wallet or purse stolen but only 29% know a victim of online fraud.

And despite rumors to the contrary, paying with a credit card at a reputable website is virtually risk-free if you follow commonsense safety precautions. Online merchants know the importance of secure payment systems, and US shoppers are protected by the Fair Credit Billing Act. (You can dispute charges under this law, and even if your credit card is used fraudulently, you generally would be held liable only for the first $50 in charges.) Other payment processors such as Paypal offer their own fraud protection.

It’s at least as safe to buy online as it is to hand your credit card to the waiter at the restaurant, who whisks it out of your sight for several minutes!

5) NOT Shopping Online Can Cost You Money: Besides the savings to be gained by comparing prices, savvy online shoppers have discovered ways to actually get paid to shop. There’s an entire industry devoted to educating online shoppers how to get cash back for purchases, how to earn money or points for shopping and how to get offers for free and sometimes very valuable products online.

Most of these cash-earning, money-making shopping strategies are cumulative – small rebates or points earned add up over time to hefty bonus checks or free gift cards. (I have a $50 gift card in my purse from Pier One Imports that I got absolutely free, and I’ll send for another $100 gift card as soon as I decide whether to get it from Target or Home Depot.)

There’s no better time than today to educate yourself about shopping online – when you’re not in a hurry, can start small, and don’t need to buy ten gazillion presents by next Sunday.

If everybody else can do it, so can you!

Diana Ratliff

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—————

Get Life Skills – Not Student Loans

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Student loans? Who needs them? Take charge of your money for the
rest of your life.

=================

Part I (This article)

Part II Student loan consolidation has big benefits for losers

Part III Idea beats student loan consolidation and creates a
winning mindset.

==================

You’ll never need student loans with these ideas.

1.Grants in place of student loans – no repayments

2. Part time earning decreases student loans

3. Economising (builds life skills) avoids some student loans

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1. Grants – Supreme way to avoid student loans

—————-

A grant is a gift of money that you don’t have to repay. Isn’t a
$50000 grant better than taking out student loans every year for
four or five years? There is a club that keeps its members
abreast of grants that they might use. You can avoid student
loans. These grants aren’t confined to education so you aren’t
confined to avoiding student loans. If you get a grant, save
actively to build a nest egg and the right mindset.

—————–

2. Part Time Earning

—————–

There are lots of ways for you to work your way through college.
What I like is that they encourage an aggressive “go and
get it” mindset. Student loans encourage the “wait for
it to come to me” mindset.

I have details of how a teenage girl made a profitable website.
She’ll never need student loans!

One girl runs dogs. That’s right, she runs for half an hour with
4 dogs that need lots of exercise, then picks up the next 4 dogs.

Don’t lose sight of your target. You want to avoid student
loans, not impress your friends with how much you can spend.

————–

3. Economising

————–

I had a grant for University. Fellow students complained their
student loans or college grants were too small. I saved money
from the grant by economising.

A dollar saved is four dollars earned. You pay back about twice
as much as you borrow, with money from which the IRS has stolen
50%. So each dollar you save avoids earning four.

You can economise on these and have better health.

1. Food

2. Lodgings

3. Health

4. Transport

5. Social life

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1. Food.

——-

Learn to cook. You’re at the mercy of food suppliers until you
can cook. One student got into the news because student loans
only covered tinned dog-food for him to eat. That’s too
expensive! I’m cooking my own food and eating well on about$17
per week.

———-

2.Lodgings

———-

I can only suggest that you shop around. Remember that $20 saved
per week is $1000 saved from your student loans each year even
without interest payments.

——–

3. Health

——–

The damage you do to your body adds up over your lifetime, so
it’s a good idea to stay healthy. What has that to do with
student loans?

It turns out that fast food is bad for your health, and so are
most processed foods, and cooking your own food means that you
can avoid trans-fatty acids, sugar, and all the other things
that cause obesity. Curry, broccoli, tomatoes, garlic, brazil
nuts, and cabbage among other things fight cancer. And they all
make less demands on student loans.

———-

4.Transport

———-

Make enquiries. How much would you save from your student loans
by buying a bike instead of a car? Would public transport be
better? Would walking or running for exercise be even better?
How much would it cramp your style for dating?

Remember, buying a car with a student loan involves not only
repayments, but fuel and oil, repairs, licensing, and
depreciation. I travelled 2 hrs/day on my pushbike getting
exercise and no college loans.

———–

5. Social Life

———–

Look for free pastimes. If your friends aren’t interested in
ways to avoid college loans perhaps you have the wrong friends.

If you finish study at 25 and work till 60 that gives you a
working life of 35 years. So a 25 year student loan takes a big
chunk out of your life, even if you are never unemployed.

And that’s before you take out a mortgage!

———————–

Other ways to economise

———————–

Buy second-hand whenever possible – even your textbooks. Clothes
from the Salvation Army are cheap. Use eBay, but don’t buy
anything you don’t need. My first boss said I’d furnished my
house for less than he spent on his bedroom. Negotiate -
Important for second hand, even more for new goods. When you go
in to buy a new fridge, the attendant waits to see if you’re
stupid enough to pay the price tag, or ask for a discount.

Remember a dollar saved is four dollars in student loans that
you won’t have to pay back.

Ian Mcallister

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