Using Continuing Education Loans to Help Reach Your Career Goals

If you feel like you’re stuck in a dead-end job, continuing education may be the answer. The high costs associated with advanced training and education, however, prevent many people from seeking the additional education they might need in order to improve their earning power or move into a more desirable field. But with the help of continuing education loans, many working individuals find that they are able to pursue the advanced training or degrees they need to finally achieve their career goals.

Adults seek to further their educations for a variety of reasons. Some are simply finishing their degree programs. Others are looking to enrich their lives with continued learning. Still others are interested in mapping out an entirely new career path. There are even benefits to pursuing continued education if you’re already working in your chosen field. An advanced degree or additional training may put you in a better position for advancement within your own company or may provide you with more leverage when negotiating for a raise.

Opportunities for adults to pursue continued education are everywhere. From night classes to correspondence courses to online degree programs, a variety of options are available to working individuals. Unfortunately, however, pursuing an advanced degree or vocational training in a new area can be an expensive proposition. Online degree programs may help you reduce your costs by eliminating the need for textbooks and transportation, but the credit hours themselves may be just as expensive as they would be at a regular 4-year college. Most people can help to make their costs manageable, however, with the help of continuing education loans.

Available from a variety of sources, continuing education loans exist to help adults manage the costs associated with the pursuit of continued education. Many private lenders offer continuing education loans; and, assuming that you have a good credit history, approval rates for these loans are generally high.

When you apply for a continuing education loan, your lender will let you know how much money you will be able to borrow. This amount may cover a portion of your school fees or you may qualify for the entire cost of your degree program (including books, equipment and other requirements). Some lenders will also allow you to choose whether to begin payments while you’re still in school or to defer your payments until you’ve completed your program. By choosing to defer your payments until you’re finished with school, you may be able to reduce the amount of time you’re currently working, helping you to finish your degree more quickly.

As your new degree begins to open new career doors, it is hoped that the costs associated with a continuing education loan will be far outweighed by your improved earning potential. By helping you to manage the costs associated with furthering your education, continuing education loans may ultimately mean the difference between staying in your current job and finally pursuing the career path you’ve always dreamed about.

How to Find the 10 Best Home Based Business Ideas of 2012

In today’s world, everything revolves around technology. Today’s young executives are moving away from the corporate offices and gravitating towards the option of working online. The Internet allows people to telecommute for any job. From nursing to customer service, you can use the Internet to accomplish any job in today’s world. If you are searching for a great opportunity to get started with working online, look no further! Let’s take a look at how to find the 10 best home based business ideas of 2012.

First, you need to do some research on the current online business trends. There are many options to choose from. You could be a virtual assistant, a freelance writer, or a web designer. Even the top direct sales companies are now making the Internet a central part of their programs. Take some time to read business journals and browse articles outlining the newest businesses to climb the ladder of success online.

Second, talk to people who are working online. If you have a friend or neighbor that is already successfully making an income using the Internet, then you already have the perfect resource! Ask them about their job, what they do, and how they got started. They may be able to give you some great tips to help you break into the industry and find the opportunity that is right for you.

Third, read blogs that are related to internet business. Many blogs will feature the 10 best home based business ideas each year. When you see an opportunity listed on several different blogs, you can be confident that it is a good option to consider. Blogs are also a great place to get the scoop on the latest work from home scams so you can be sure to avoid one of those damaging scenarios.

Once you have a few ideas in mind, start compiling a list of your top choices. Write down anything that interests you or opportunities that others have recommended. Be sure to include any of the 10 best home based business ideas you found while doing your research and reading blogs online. When your list if complete, start doing extensive research on each opportunity. Talk to representatives from each company to ask questions, get references, and learn how the business actually works on a day-to-day basis.

Check scam directories to eliminate any opportunities that made your list that could be associated with scams. Be detailed in your searches and check multiple directories as well as national agencies like the Better Business Bureau. If a company is truly one of the 10 best home based business ideas, it will have a good reputation both online and offline. If it is completely unheard of on popular work at home reviews or forums, you should probably steer clear. In the very least, wait it out to be sure the opportunity is a lasting business rather than another fly by night Internet scam.

Home Based Business Success! Stop Looking For The Easy Way Out!

Most people join a home based business because they want a better life of some kind. They want more money or freedom from their job or just an all around easier lifestyle. And while it is true that a home based business is the key for many people to an easier better life that doesn’t mean that the road to this type of business success is going to be easy. We are a society that likes things fast and easy. So it comes as no surprise to me that we don’t like to wait or work hard for success. However, when it comes to starting your own business you can’t looking for the easy way out.I find it funny whenever people join a home based business and then are shocked when it turns out that they have to work for what they want. A business of this type is just that… a business. And any business is going to take work.Ask anyone who has ever started a traditional business and they will tell you that it cost them money, time, sweat, tears and a whole lot of sacrifice to get their business up and running and a home based business is just the same. However, unlike a traditional business a home based business is a whole lot cheaper to start and a lot more rewarding in the end because it allows you more freedom than any other job on the planet.Still, even with all it’s upsides a home based business still takes work and dedication to get up and running and get you in the position to relax and enjoy your success. So do yourself a favor and put in a lot of work in the beginning because once you do you’ll love the life a home based business can give you.

Get Home Based Business Ideas for 2012

Do you need home based business ideas for 2012 in order to be your own boss? Then l can assure you that you are safe. You are not only going to be your own boss but you are going to earn more than you used to make when you were in your traditional or office job. As you may be aware, the employment situation all over the world is getting worse by the day, for that matter, the only opportunity one has is to develop home based business ideas. This will help you not only to avoid the struggles involved in formal jobs but can allow you to work at the time you please. If you have that desire to be your own boss by developing home based business ideas for 2012 then follow me while we start work.HOME BASED BUSINESS IDEAS FOR 20121. TAKE SURVEYS
Companies all over the world are ready to pay their consumers about their product they use to find out what they think about their product. If the saying that customers are the life or blood of every organization, then you will bare with me that companies would not want their competitors to take their customers from them so they find out what they want in order to meet it. So, you have opportunity here to use a product and rate them for a fee. This can be done both online and offline. So look for paid survey sites and companies and start work.2. NETWORK MARKETING
l can say without a doubt that one of the major home based business ideas for 2012 will be networking or network marketing. On a daily basis we interact with people we know or may not know, we refer them to products, cure one disease or the other. So how can this make you money? First of all register with a network marketing company. After that, begin to talk to people about the companies product, when they agree to sign up or even buy the product, you earn a commission. Its not over, you continue to earn commission on anybody that sign under you. Is this not a great idea? Don’t forget, you don’t have to go around looking for people. You ca use the internet say twitter, face book, etc.3. FORM FILLING AND DATA ENTRY
Today, companies outsource their non core activities to people like you who wants to do home based business. This is in order to concentrate on their core / main activities so that they can be effective, cut down cost to make more profit. It does not take much time to fill a form or do a data entry job, but you can earn huge sums of money at home doing that.4. WRITE
Are you a very good writer, and have you ever used it to make money? If no then l am sorry to say that you have lost huge sums of money, but l am also glad to tell you that it will end today. There are a lot of site owners who need articles from you just to promote their sites. You will not know what you can do until you start.

How to Start Your Own eBay Home Based Business

Have you finally decided to start your own home based eBay business? If yes then you have actually made a great decision which you will soon start reaping the benefits. As you make your plan to start your own eBay home based business, there are some important tips that will serve as a guide that I will reveal to you as far as eBay is concerned.1. Make your Plan to Sell: making the right plan for selling on eBay should be the first thing you should do before attempting to make any money on eBay. You do not have to be a professional to start an eBay home based business or a specialist in something else before you will be qualified to sell on eBay. Also you do not have to have a product of your own before making it on eBay.2. Concentrate on a Particular Niche: note that if you really want to be successful, then you need to concentrate on a particular product especially as you are a new comer starting an eBay home based business. If possible look for a niche that it less competitive and which is not popular. If you do this then it will enable more customers to rely on you for the long term. If you are the type that constantly changes from one product to the other then you will not get loyal customers with your eBay home based business.3. Sell Things you can buy: when you are contemplating on what to sell on eBay home based business, it will be very wise to think about those things which you can buy as well. It has been a fact that it becomes easier to sell what you can buy and what you use yourself, because at last it will give you the interest to do proper research on the product online.4. Ask People: when you have employed the above method and they don’t work out, then you can go further by getting advice from people such as friends and family members. You may be lucky that they may have an idea about something you could market with your eBay home based business.5. Sell Rejected Items: you can start making money if you start by selling those things which you no longer need, that is items you have upgraded or you just want to clear clutter. Selling such items online may enable you to realize a reasonable profit within a short period of time.6. No Personal Inventory is required: making money on eBay does not actually require that you must have a product that was produced by you. Most of those who deal on eBay home based business and who are making huge profits do not sell items they produce, but rather they market other people’s products. They make this possible by selling through eBay online stores.I believe anyone that has the desire to take action can make a full time income with their own eBay home based business.

Home Based Business Opportunities: Is A Home Based Business Right For You?

All over the world, people are breaking the chains of the corporate business world and taking control of what they do for work. Home based business opportunity after opportunity is being discovered. Do you desire the personal and financial freedom that can come from owning your own part time home based business? Before we go any further, let’s look at a few pros and cons that can help you to decide if starting a home based business is a good option for you.Pros:
• Make your own hours
• Do something that you enjoy
• Work from home
• Financial freedom
• Be your own bossCons:
• Must be self motivated
• Need to be able to deal with setbacks
• May take some time to build up a new businessIf you’re still with me, let’s talk about the type of person that you need to be in order for your home based business to succeed. First of all, you do need to be self motivated. There’s no clock to punch. There’s no boss to yell at you if you miss a deadline. It’s just you, your product or service, and your reputation. You need to be able to get the job done. You also need the ability to market your business, take care of the accounts (including taxes, keeping track of expenses, etc), and provide quality customer service. You may be able to afford to pay an accountant to take care of your taxes, but you’ll still need your paperwork in order, so organization skills are a must.Before taking advantage of any home based business opportunity, you will want the answers to some frequently asked questions that may help you in your decision.1. What training and support is available? – Don’t get sucked into a work from home business that doesn’t provide you any training or support. You should be able to contact someone at anytime. The best digital home based business will be one that is easy to learn and maintain.2. Does the company have a good track record? – How long have they been in business? Are there many success stories of people who gained financial and personal freedom through this business opportunity? Search for the company online and learn everything that you can about them to ensure they offer a legit home based business before making a decision.3. How does the compensation plan pay out? – Will you have to wait to get your money once a month? Are you making a commission? Will you have to earn a certain amount before you see anything? Make sure that the pay out will occur in a way that is convenient for you, and doesn’t require immediate success, since home businesses often take time to start up.

How to Get Financing For Your Small Business

In today’s hostile economic environment, access to capital is the primary differentiating factor between those businesses which have been able to expand and gain market share versus those that have experienced enormous drops in revenue. The reason many small businesses have seen their sales and cash flow drop dramatically, many to the point of closing their doors, while many large U.S. corporations have managed to increase sales, open new retail operations, and grow earnings per share is that a small business almost always relies exclusively on traditional commercial bank financing, such as SBA loans and unsecured lines of credit, while large publicly traded corporations have access to the public markets, such as the stock market or bond market, for access to capital.Prior to the onset of the financial crises of 2008 and the ensuing Great Recession, many of the largest U.S. commercial banks were engaging in an easy money policy and openly lending to small businesses, whose owners had good credit scores and some industry experience. Many of these business loans consisted of unsecured commercial lines of credit and installment loans that required no collateral. These loans were almost always exclusively backed by a personal guaranty from the business owner. This is why good personal credit was all that was required to virtually guarantee a business loan approval.During this period, thousands of small business owners used these business loans and lines of credit to access the capital they needed to fund working capital needs that included payroll expenses, equipment purchases, maintenance, repairs, marketing, tax obligations, and expansion opportunities. Easy access to these capital resources allowed many small businesses to flourish and to manage cash flow needs as they arose. Yet, many business owners grew overly optimistic and many made aggressive growth forecasts and took on increasingly risky bets.As a result, many ambitious business owners began to expand their business operations and borrowed heavily from small business loans and lines of credit, with the anticipation of being able to pay back these heavy debt loads through future growth and increased profits. As long as banks maintained this ‘easy money’ policy, asset values continued to rise, consumers continued to spend, and business owners continued to expand through the use of increased leverage. But, eventually, this party, would come to an abrupt ending.When the financial crisis of 2008 began with the sudden collapse of Lehman Brothers, one of the oldest and most renowned banking institutions on Wall Street, a financial panic and contagion spread throughout the credit markets. The ensuing freeze of the credit markets caused the gears of the U.S. financial system to come to a grinding halt. Banks stopped lending overnight and the sudden lack of easy money which had caused asset values, especially home prices, to increase in recent years, now cause those very same asset values to plummet. As asset values imploded, commercial bank balance sheets deteriorated and stock prices collapsed. The days of easy money had ended. The party was officially over.In the aftermath of the financial crisis, the Great Recession that followed created a vacuum in the capital markets. The very same commercial banks that had freely and easily lent money to small businesses and small business owners, now suffered from a lack of capital on their balance sheets – one that threatened their very own existence. Almost overnight, many commercial banks closed off further access to business lines of credit and called due the outstanding balances on business loans. Small businesses, which relied on the working capital from these business lines of credit, could no longer meet their cash flow needs and debt obligations. Unable to cope with a sudden and dramatic drop in sales and revenue, many small businesses failed.Since many of these same small businesses were responsible for having created millions of jobs, every time one of these enterprises failed the unemployment rate increased. As the financial crisis deepened, commercial banks went into a tailspin that eventually threatened the collapse of the entire financial system. Although Congress and Federal Reserve Bank led a tax payer funded bailout of the entire banking system, the damage had been done. Hundreds of billions of dollars were injected into the banking system to prop up the balance sheets of what were effectively defunct institutions. Yet, during this process, no provision was ever made that required these banks to loan money out to consumers or private businesses.Instead of using a portion of these taxpayer funds to support small businesses and avert unnecessary business failures and increased unemployment, commercial banks chose to continue to deny access to capital to thousands of small businesses and small business owners. Even after receiving a historic taxpayer funded bailout, the commercial banks embraced an ‘every man for himself’ attitude and continue to cut off access to business lines of credit and commercial loans, regardless of the credit history or timely payments on such lines and loans. Small business bankruptcies skyrocketed and high unemployment persisted.During this same period, when small businesses were being choked into non-existence, as a result of the lack of capital which was created by commercial banks, large publicly-traded corporations managed to survive and even grow their businesses. They were mainly able to do so by issuing debt, through the bond markets, or raising equity, by issuing shares through the equity markets. While large public companies were raising hundreds of millions of dollars in fresh capital, thousands of small businesses were being put under by banks that closed off existing commercial lines of credit and refused to issue new small business loans.Even now, in mid 2012, more than four years since the onset of the financial crisis, the vast majority of small businesses have no means of access to capital. Commercial banks continue to refuse to lend on an unsecured basis to almost all small businesses. To even have a minute chance of being approved for a small business loan or business line of credit, a small business must possess tangible collateral that a bank could easily sell for an amount equal to the value of the business loan or line of credit. Any small business without collateral has virtually no chance at attaining a loan approval, even through the SBA, without significant collateral such as equipment or inventory.When a small business cannot demonstrate collateral to provide security for the small business loan, the commercial bank will ask for the small business owner to secure the loan with his or her own personal assets or equity, such as equity in a house or cash in a checking, savings, or retirement account, such as a 401k or IRA. This latter situation places the personal assets of the owner at risk in the event of a small business failure. Additionally, virtually all small business loans will require the business owner to have excellent personal credit and FICO scores, as well as require a personal guaranty. Finally, multiple years of financial statements, including tax returns for the business, demonstrated sustained profitability will be required in just about every small business loan application.A failure or lack of ability to provide any of these stringent requirements will often result in an immediate denial in the application for almost all small business loans or commercial lines of credit. In many instances, denials for business loans are being issued to applicants which have provided each of these requirements. Therefore, being able to qualify with good personal credit, collateral, and strong financial statements and tax returns still does not guarantee approval of a business loan request in the post financial crisis economic climate. Access to capital for small businesses and small business owners is more difficult than ever.As a result of this persistent capital vacuum, small businesses and small business owners have begun to seek out alternative sources of business capital and business loans. Many small business owners seeking cash flow for existing business operations or funds to finance expansion have discovered alternative business financing through the use of merchant credit card cash advance loans and small business installment loans offered by private investors. These merchant cash advance loans offer significant advantages to small businesses and small business owners when compared to traditional commercial bank loans.Merchant cash advance loans, sometimes referred to as factoring loans, are based on the amount of average credit card volume a merchant or retail outlet, processes over a three to six month period. Any merchant or retail operator that accepts credit cards as payment from customers, including Visa, MasterCard, American Express, or Discover, is virtually guaranteed an approval for a merchant credit card advance. The total amount of cash advance that a merchant qualifies for is determined by this three to six month average and the funds are generally deposited in the business checking account of the small business within a seven to ten day period from the time of approval.A set repayment amount is fixed and the repayment of the cash advance plus interest is predetermined at the time the advance is approved by the lender. For instance, if a merchant or retailer processes approximately $1,000 per day in credit cards from its customers, the monthly average of total credit cards processed equals $30,000. If the merchant qualifies for $30,000 for a cash advance and the factoring rate is 1.20, the total that would need to be repaid is $30,000 – plus 20% of $30,000 which equals $6,000 – for a total repayment amount of $36,000. Therefore, the merchant would receive a lump sum of $30,000 cash, deposited in the business checking account, and a total of $36,000 would need to be repaid.The repayment is made by automatically deducting a pre-determined amount of each of the merchant’s daily future credit card sales – usually at a rate of 20% of total daily credit cards processed. Thus, the merchant does not have to write checks or send payments. The fixed percent is simply deducted from future credit sales until the total sum due of $36,000 is paid off. The advantage to this type of financing versus a commercial bank loan is that a merchant cash advance is not reported on the personal credit report of the business owner. This effectively separates the personal financial affairs of the small business owner from the financial affairs of the small business entity.A second advantage to a merchant credit card cash advance is that an approval does not require a personal guaranty from the business owner. If the business is unable to repay the merchant cash advance loan in full, the business owner is not held personally responsible and cannot be forced to post personal collateral as security for the merchant advance. The owner removes the financial consequences that often accompany a commercial bank business loan that requires a personal guaranty and often forces business owners into personal bankruptcy in the even that their business venture fails and cannot repay the outstanding loan balance.A third, and distinct advantage, is that a merchant credit card cash advance loan does not require any collateral as additional security for the loan. The future credit card receivables are the security for the cash advance repayment, thus no additional collateral requirements exist. Since the majority of small businesses do not have physical equipment or inventory that can be posted as collateral for a traditional bank loan, this type of financing is a phenomenal alternative for thousands of retail businesses, merchants, sole proprietorships, and online stores seeking access to capital. Such businesses would be denied automatically for a traditional business loan simply because of the lack of collateral to serve as added security for the bank or lender.Finally, a merchant credit card advance loan approval does not depend upon the strong or perfect personal credit of the business owner. In fact, the business owner’s personal credit can be quite poor and have a low FICO score, and this will not disqualify the business from being approved for the cash advance. The business owner’s personal credit is usually checked only for the purpose of helping to determine that factoring rate at which the total loan repayment will be made. However, even a business owner with a recently discharged personal bankruptcy can qualify for a merchant credit card cash advance loan.Since the cash funds being lent on merchant credit card advances is provided by a network of private investors, these lenders are not regulated or affected by the new capital requirements that have placed a constraint on the commercial banking industry. The merchant cash advance approvals are determined by internal underwriting guidelines developed by the private lenders in the network. Each loan application is reviewed and processed on a case-by-case basis and approvals are issued within 24 to 48 hours from receipt of a complete application, including the previous three to six months of merchant credit statements.The merchant credit card advance industry is growing at a pace that is exponential as it fills a void once occupied by commercial banks. Merchant advance loans are the industry of the future in small business lending and private lenders and business owners alike are flocking to this still virtually unknown market. For more information on merchant credit card advance loans and business installment loans, go to http://www.MerchantMoneyMarket.com.

What The Heck Is Attraction Marketing Anyway?

In today’s fast-paced, high-tech world of Internet marketing, there are many techniques from which you can choose that will benefit your business by increasing your reach, boosting your online presence and bolstering your sales. And while there is a large debate about which method is best, there is certainly no denying that attraction marketing has become one of the biggest and most successful online marketing strategies to date, by and large. But what makes this a little bit confusing is that attraction marketing in and of itself is a little confusing to define. That’s because so many people have different interpretations of attraction marketing, mostly because of its versatility.

Attraction marketing can be tailored to just about any business and business model you can think of, adapting its core values to help individuals and corporations attain their marketing goals. From multi-level marketing strategies (MLM) to inbound marketing campaigns, attraction marketing is defined so differently because it is used so differently. Still, there are a few basic tenets of attraction marketing that we can use to help define its essence, if not pin down its exactness.

The Many Faces of Attraction Marketing

To start off with, it should be noted that attraction marketing is not a new concept. Overall, the basis of attraction marketing is to reach new customers and leads through the demonstration of value through affiliates and spokesmen. Perhaps one of the most classic-and successful-examples of attraction marketing would be a company hiring a celebrity to endorse their product or service. To this day, this marketing strategy is still used, though mostly in print and television.

But with the integration of online marketing strategies, companies have refined their techniques and thus, redefined attraction marketing. While the message of value is still at the underlying core of the strategy, it is now done in a manner that is far more cost-effective, utilizing the viral capabilities of the internet instead. In a nutshell, the social aspect of the internet has taken the cost-and the celebrity-out of attraction marketing and replaced them with webpages and sales representatives.

Inbound Marketing versus Outbound Marketing-The New Attraction Marketing

Still, the ultimate goal of attracting leads to your business or website rather than going out and actively recruiting them is the main focus of modern day attraction marketing on the internet. For example, rather than cold-calling customers or sending out individual emails (or even email blasts), it has become far more prevalent to create content that attracts leads to your site. This can be accomplished in any number of ways.

For example, affiliate marketing is a great way to leverage the work of others to boost traffic to your site. Essentially, you provide your affiliate partners with personalized links to your site and when they drive traffic to your site that results in a conversion, you pay them a commission. The affiliate partners will then go create their own sites, content and social media pages which increase not only your perceived value, but also your reach. In a nutshell, your attraction rating is instantly extended by extension of your affiliate sites.

Overall, the point here is that your marketing dollar is going to be better served by inbound marketing than outbound marketing. Given that internet searches mainly bring in your targeted audience (thanks to search engine algorithms that promote relevancy over bulk traffic), it’s generally accepted that spending money on attraction marketing is going to spend your marketing dollar on your targeted audience, rather than say a print ad which would reach more people, but not necessarily more potential leads that are high-conversion customers.

Becoming a Thought Leader and Authority Figure in your Industry

Another method of attraction marketing is establishing yourself as an industry leader in your particular niche. Once again, there are many ways to go about this, but some of the most popular are blogging and social media sites. Both are equally effective when utilized correctly, but for some businesses, blogging fits better than social media-and vice versa-for establishing authority. In the end, it really comes down to tailoring your message across multiple mediums to get your brand across in the manner that you want it to.

With blogging, there are many goals, all of which are served simply by creating keyword-centric blogs that provide value, interesting and fresh viewpoints, and are consistently churned out. When this happens:

You rank higher in search engine result pages (SERPs) thanks to increased keyword reach and fresh, relevant content. This means more incoming traffic and higher perceived value because of ranking position on the SERPs.
Your content has a higher chance of going viral because of value and viewpoint, thus further increasing your reach and attraction fact.
With social media marketing, your attraction factor is spread through organic and paid reach, giving you a better chance to not only recruit potential customers, but also establish stronger bonds with your current ones. Social media is all about interaction and engagement, both of which serve to give you a chance to get your value-based message out there to your potential leads and current customers. This is integral to attraction marketing. Plus, when you engage your fans, followers, etc., you also show up on their friends and family’s social media sites, further increasing your reach. Because they are closely related to your target audience, there’s a good chance they are part of your target audience as well.

How to Get Started

As you can see, it’s hard to pinpoint the exact definition and usage of attraction marketing because it is so fluid and wide-ranging a concept. No matter what your business is, what your goal is or what your current online marketing strategy is, attraction marketing can fit right in, helping you to boost sales and achieve all of your current and future goals.

Attract Sponsors and Advertisers

This article examines sponsorships and advertising as methods for making cost breakthroughs and generating extra revenues. Let’s start with sponsorships.

What do I mean by a sponsorship? It is any way to combine recognition with providing access to desirable prospects and customers for someone who, or an organization that, makes a payment or otherwise subsidizes an activity. Sponsorships are more important than ever because they help marketers avoid being lost in advertising clutter by providing higher visibility and prestige to the sponsor. When a sponsor pays you, that’s income to offset costs you cannot otherwise reduce. The effect is similar to simply reducing costs.

As the primary benefit, sponsors are usually looking for access to attractive prospects for their offerings. In many cases, your prospects and customers are also highly appealing for other companies and nonprofit organizations, making them interested in sponsoring your activities.

You may have observed some of the ways such access is provided while attending a sponsored conference or seminar. Typically, the sponsors have a chance to speak briefly to the assembled group and to have lots of marketing people present for mingling during meals and breaks. There may also be banners on the walls and notices in the printed program carrying sponsors’ names and logos. On the event invitations, there are probably mentions of the sponsors. Publicity for the activity probably includes listing sponsors by name, as well.

Under such circumstances, it’s not unusual for the sponsors’ fees to cover more than the total costs of the conference or seminar so that all attendance fees contribute profits for the conference or seminar organizer.

You may not be holding conferences or seminars. How, then, can sponsorships cover some or all of your costs? Well, you can provide online services or material that can be downloaded for little or no cost from the Internet. Such an online site can also have sponsors whose identities are prominently displayed.

You can also develop offerings that sponsors purchase. As an example, a sponsor might provide your offering as a gift to those who buy their products or services. During times of high gasoline prices, for instance, some dealers in the United States have offered hundreds of gallons of free gas for people who bought new vehicles that didn’t get very good mileage.

A sponsor might also provide marketing access for other organizations. In our community, some charities play this role by selling inexpensive books of discount coupons. The charities keep the proceeds from the book sales, after obtaining the books for free from the publishers. The companies providing the coupons pay the publisher to appear in the book. Those who buy the books save lots of money by using the discount coupons. Through the coupons, coupon providers introduce new prospects to their offerings and bring some customers back more often.

In other cases, almost all offerings will be sold to sponsors who, in turn, directly provide the offerings to their prospects and customers. For instance, golf tournaments are often staged to provide funds for charity. Sponsors are given access to special venues at the tournaments and provided with most of the tickets for the events to distribute to customers and prospects. Sponsors also receive lots of visibility in the event’s promotions. The prestige of sponsorship is increased over the company conducting such an event just for itself by improving the quality of the competing golfers, the amount of media coverage, and the number of attendees.

In another variation, a sponsor may be a supplier seeking recognition that provides a lower price for its offerings in exchange for the sponsorship. An example can be found on the computer I am using to prepare this lesson. The machine has a seal on it that says “Intel Core™ Duo inside™,” indicating what brand and kind of microprocessor I have. In exchange for this recognition, Intel slices its microprocessor prices by about 5 percent to its computer-manufacturer customers.

Another way sponsorships are structured is through paying for “objective” measurements and rankings. Those who want to be evaluated pay a fee, which pays for the ranking process. The organization making the rankings distributes awards among those who sponsored the contest. The winners use the results to tout their superiority over competitors in press releases, interviews, and advertising.

You may not have thought much about how your marketing activities and offerings could benefit from encouraging sponsorships. Now is a good time to remove such blinders. Companies are more interested than ever before in sponsorships to replace more expensive and less productive marketing programs. You can cash in to make cost breakthroughs when you help such organizations to meet their needs through helpful sponsorships of your high-quality activities and offerings.

Now, how is advertising different from a sponsorship? Where a sponsor obtains recognition for making an activity or offering possible along with privileged access to prospects and customers in exchange for a payment, advertisers are solely purchasing the right to put their commercial messages in front of prospects through some form of media that you provide.

We’ve all seen television advertising. At regular intervals in the regular programming, short commercial messages are inserted. Companies pay large fees for such time slots in addition to covering their own costs for producing the messages. The fee paid relates to the number of people who will see the message and their potential value as customers for the advertiser.

The same concept generally applies to magazines and newspapers. All or part of a printed page offers the opportunity to attract the eyes of readers. Because the whole publication may not be read, the assumed benefit is considered to be less than the overall readership. In addition, television advertising provides the opportunity to create more emotion… which, in turn, can be translated into making a bigger and more lasting impression with more people.

Advertising is also sold for placement on commercial vehicles such as taxis and trucks. More recently, some companies have been paying to display advertising on personal vehicles. Such exposure is often cheaper than renting billboard space and may offend fewer people who are concerned about cluttering the sides of roads.

With the advent of the Internet, advertising possibilities expanded. Initially, advertisers were encouraged to buy so-called banner ads that took up a big space near the top of the screen and said little. Most advertisers found that such ads weren’t worth much in terms of adding profitable sales.

Yahoo, Google, and others found that carrying commercial messages with some relevance to those reading the online page worked better for encouraging purchases from advertisers. Rather than advertisers paying to reach people who merely see the ad, payments for such ads are tied to how many people click on the ad to reach a site where there is a more extensive commercial message or an offering can be purchased. This media approach was intended to be similar to paying for attracting someone to a store where he or she could buy an offering. Accomplishing the latter was worth quite a lot more than simply exposing the name and offering of the advertiser to more eyeballs.

Through Web 2.0, Web sites can become communities where people spend many hours a day. On such sites, the advertising revenues can be a vast multiple of the cost of providing the site… assuming that enough visitors are attracted who post and view videos and photos, exchange opinions, share ideas, and interact in other ways. As an example, a student of mine developed a very sophisticated social networking site of this sort for families at a software cost of less than $3,000, yet the advertising potential of her site was several million dollars a year.

If you don’t have such a site now, you can inexpensively develop one that can become a major source of cost-reducing advertising revenue by using software designers and programmers who are based where pay rates are inexpensive. While working on the site, you can speak with your developers at no cost over Skype or another Voice-over-Internet-Protocol service. Naturally, you can have as many sites as you want… as long as each one serves a different purpose and attracts enough visitors to more than cover its costs through advertising revenues.

If you hold gatherings of customers and prospects and don’t have sponsors for such gatherings, you can also sell advertising to place on the materials that you share with attendees. In many cases, your advertisers will also market your gathering to their prospects and customers, and you may attract a lot more potential customers to attend. When that happens, you gain direct cost savings for your marketing in addition to the advertising subsidy.

You can provide videos on your Web site as well and sell time slots on such videos to advertisers. Such online advertising opportunities have become popular with truck and automobile manufacturers.

You can also put advertising on your buildings, your packages, and anyplace else where customers and prospects may see the messages. Your suppliers, for instance, may want to be recognized on your final offering in some way (even placing their logos on a Web page may be of interest) as Intel does with its “Intel inside™” stickers on personal computers and laptops.

The sky’s the limit for attracting advertisers. You should realize that when print media were more popular, publishers regularly earned a profit on their entire operations just from the advertising revenues. The subscription revenues, by comparison, were usually quite small… just a tiny fraction of total profits.

Can you provide both sponsorships and advertising? Yes, as long as you keep them separate. A sponsored event usually shouldn’t include advertising from those who aren’t sponsors, but Web sites can offer a combination of sponsor recognition and pay-per-click ads from organizations that don’t compete with sponsors. Some magazines have been following this dual course for a long time. Fortune, BusinessWeek, and Forbes, for instance, carry lots of ads for offerings and sell sponsorships to gatherings that senior executives pay to attend. Such gatherings are potentially quite profitable.

What’s the key cost-reducing point about sponsorships and advertising? You can use zero-based analysis to create 2,000 percent cost-reduction solutions that allow you to gain new sources of revenue from sponsorships and advertising to support the minimum core offering by offsetting costs for you and your stakeholders in ways that will almost instantly expand profits after implementation to help reduce costs by more than 96 percent or increase social benefits by more than twenty times what you will be spending.

The Finer Points of Internet Auctions

WHAT IS A PENNY AUCTION?

Penny auctions have exploded in popularity with the massive growth of the internet. However, few people know the true origins of penny auctions.Beginnings actually stretch back to the Great Depression. Those were hard times for everyone, but even harder for farmers. Farmers struggled to bring in steady income because of droughts and crops not selling as well as they had previously. As a result, the banks would foreclose on the farmers who couldn’t keep up with their mortgage payments.

The banks weren’t satisfied with just repossessing the house, they wanted to raise as much capital as possible, so they resorted to selling off the possessions of the owners of the repossessed houses. There was not much the farmers could do about it so they began bidding ridiculously low prices, pennies, on the items while threatening others who dared to bid higher than a few pennies.

The auctions of today hardly resemble their tremulous beginnings. Being part of a penny auction today is exhilarating, fun, and addictive. It combines the selling format of auctioning with a little bit of chance factored in.Auctions are a game of strategy but also a game of luck.

The premise behind penny auctions is giving people the chance to win an item at a drastically reduced price.Auctions make that possible by spreading out the cost of the product among multiple bidders. In order for a person to take part in an auction, they must pay a set price for each bid. For example, if a person wanted to bid on a fifty dollar Amazon gift card then he would spend a dollar for each time a bid placed. If he ended up winning the gift card, then he would only have spent a few dollars for a fifty dollar gift card. Usually penny auctions sell bids in packages.

HOW PENNY AUCTIONS WORK!

The main foundation of penny auctions is the pay-per-bid format. It is the key that allows bidders to win items at the fraction of their retail value and allows the auction owners to keep their site profitable. Most y auction sites run on the same premise: people pay a set amount for each bid, whenever a person places a bid within the closing seconds of the auction time will be added, the last person left with a unique bid after the clocks runs out will win the item. There are a large variety of items that can be won, but they tend to be popular electronics or gift cards to popular stores.

There are two types of auctions: lowest unique bid auction and highest unique bid auction. Lowest unique auction sounds confusing but it is actually quite simple. A unique bid is when only one person has a bid at a certain price. Bids usually start at one penny, a bidder can then place a bid at two pennies. Until another bidder places a higher bid, the most recent bidder will be the lowest unique bid because that was the only bid at two cents and nobody bid higher. However, penny auctions generally don’t stop at one penny. It is not uncommon to find auctions that end up at a couple hundred dollars based on the popularity of the item being auctioned. However, the same principles apply for those auctions. Highest unique bid auctions follow the more traditional auction format such as eBay. The person with the highest bid at the end of the auction wins the item.

Auction site owners turn a profit by selling bids. Say twenty people are bidding on a ten dollar gift card at one dollar per bid, at the end of the auction if there were twenty bids placed in total then the site owner would have made twenty dollars with a ten dollar profit.Auctions do seem like a win-win situation:The site owner makes money while the bidder gets an item for dirt cheap. However, not everyone wins in penny auctions. The people who paid one dollar each bid but left with nothing to show for their investments will not be so happy.

HOW TO WIN!

Penny auction has a lot of chance mixed into it, but one can incorporate strategy that will help raise the chances of winning. Playing smart can make all the difference between gambling and auctioning.

The first crucial tip to winning penny auctions is to know how to manage your bids. Your goal should be to win as much as possible without spending a ton of money buying bids. Managing your bids means that you should already know how much you are willing to risk in order to win an item. The amount of capital you are willing to risk will determine how many bids you can use. Once you know how many bids you have to spend on an item, then you will be better able to manage how and when you place a bid. That will keep you from blowing away all of your bids in the first few seconds of the auction.

The next tip is to practice time management. When fighting in the trenches of penny auctions, you have two enemies: other bidders and time. Knowing when to bid is a must if you want to have success. Placing a bid when there is a lot of time left on the clock is never a good idea. You have to remember that the key to winning a penny auction is being the last one standing when the clock runs out and that each bid increases the amount of time left. It would be a good practice to wait until the last few minutes of the auction before you begin to bid.

The final tip for successful auctioning is to keep your emotions under control.Auctions have a lot of similarities to gambling, and just like gambling, your spending can get out of control. If you keep your emotions level, it will keep you from making rash decisions and blowing loads of cash. Keep your mind clear so that you can gage the behavior of the other bidders and outsmart them.

HOW TO AVOID SCAM SITES!

Penny auctions are a great addition to the web whether you want to win an item that otherwise you wouldn’t be able to afford or if you simply enjoy the thrill that comes with bidding in auctions. Unfortunately, scam sites have tarnished the reputation of the legitimate penny auction sites. However, there are ways that you can protect yourself from scamers and enjoy your auctioning without having to worry about losing your money due to dishonesty.

Checking the reputation of the auction site before you start spending your hard earned money is always a good idea. Chances are other people have tried the site before you and some of them have left reviews. The reviews are your way to gage whether a auction site is trustworthy or not. If a site is getting overwhelmingly negative reviews, then that is a clear indication that you should steer your business elsewhere.

Another tool you can use to protect yourself is checking the Alexia ranks of the auction sites. Alexia rank will give a solid view of how much traffic the auction is getting. If you see a huge difference in the amount of traffic Alexia is projecting and the amount of active bidders on the site, then warning signals should be ringing in your head. Some auction sites have been known to set up robots that automatically bid on projects in order to keep the auction going and inflate the price. That is known as shill bidding. You can sniff out those sites by comparing the traffic the site should be getting to the amount of users using this site.

CONCLUSION!

New legislation may come out later down the road that will officially make penny auctions gambling, but until then, it is a fun, exciting auction that allows one to win the item they’ve always wanted but couldn’t afford.Auctions are also quite lucrative for the site owners because of the pay-per-bid strategy they’ve incorporated. Penny auctions had humble beginnings with farmers who just wanted to get back at the banks who kicked them out of their house. More recently, auctions have enjoyed an explosion in popularity with the rise of the internet.

There are two main formats fora auctions, lowest and highest unique auction, however they both run on the same premise where the last unique bid wins the item. Winning a penny auction will require a certain amount of mental tactic and a bit of luck. However, you can increase your odds of winning by practicing certain techniques such as managing your bids wisely, learning how to work with the time, and keeping a level head and your emotions under control. When you combine those three strategies to your bidding plan, you will find that you win a lot more often.

It is important that you do your due diligence to protect yourself when participating in auctions. Not every auction is run by honest and trustworthy people. There are people out there who just want to take your money. You can protect yourself by ensuring that you only bid on sites that already have a very positive reputation from real users.


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turtles.us travels.us benaras.us ipalace.us iamheal.us ogwithin.us intevents.us cedexte.us arteepr.us esente.us klakina.us ahlustore.us bireland.us jamesebe.us moling.us cardcoun.us mootings.us thespa.us messo.us myrcons.us truction.us therichp.us moorint.us fellstra.us ilrace.us jestjest.us agastory.us gelancha.us cottagen.us bricio.us muulina.us veref.us mourn.us iofk.info aviajes.info myfah.info mypha.info nginside.info kuatc.info luhana.info luzde.info manhthu.info mboxw.info moodt.info adoboo.info pychel.info okenchin.info contebria.info sofulass.info ullese.info riendsco.info runxahmco.gq pointabs.gq taminol.info tourso.info coacoh.info yecconn.info lohav.info modei.info tauto.info reizh.info lotryo.info viales.info ements.info bromp.info stampu.info emukb.info ealsonfi.info eprivacya.info ismsagi.info omesicele.icu chdbianal.info backu.info cresewe.info ndcoveni.info proveyoua.info ristsic.info irancionb.info ovosh.info lahktiuer.info thadavlea.info onajea.info horsosel.info stquali.gq hoccro.gq yourca.us moturi.us gleaners.us arnacr.us eations.us optore.us cacticr.us eations.us smithe.us uopcard.us maryssad.us moesign.us latortug.us abilin.us nague.us turtles.us travels.us benaras.us ipalace.us iamheal.us ogwithin.us intevents.us cedexte.us arteepr.us esente.us klakina.us ahlustore.us bireland.us jamesebe.us moling.us cardcoun.us mootings.us thespa.us messo.us myrcons.us truction.us therichp.us moorint.us fellstra.us ilrace.us jestjest.us agastory.us gelancha.us cottagen.us bricio.us muulina.us veref.us mourn.us iofk.info aviajes.info myfah.info mypha.info nginside.info kuatc.info luhana.info luzde.info manhthu.info mboxw.info moodt.info adoboo.info pychel.info okenchin.info contebria.info sofulass.info ullese.info riendsco.info runxahmco.gq pointabs.gq taminol.info tourso.info coacoh.info yecconn.info lohav.info modei.info tauto.info reizh.info lotryo.info viales.info ements.info bromp.info stampu.info emukb.info ealsonfi.info eprivacya.info ismsagi.info omesicele.icu chdbianal.info backu.info cresewe.info ndcoveni.info proveyoua.info ristsic.info irancionb.info ovosh.info lahktiuer.info thadavlea.info onajea.info horsosel.info stquali.gq hoccro.gq yourca.us moturi.us gleaners.us arnacr.us eations.us optore.us cacticr.us eations.us smithe.us uopcard.us maryssad.us moesign.us latortug.us abilin.us nague.us turtles.us travels.us benaras.us ipalace.us iamheal.us ogwithin.us intevents.us cedexte.us arteepr.us esente.us klakina.us ahlustore.us bireland.us jamesebe.us moling.us cardcoun.us mootings.us thespa.us messo.us myrcons.us truction.us therichp.us moorint.us fellstra.us ilrace.us jestjest.us agastory.us gelancha.us cottagen.us bricio.us muulina.us veref.us mourn.us iofk.info aviajes.info myfah.info mypha.info nginside.info kuatc.info luhana.info luzde.info manhthu.info mboxw.info moodt.info adoboo.info pychel.info okenchin.info contebria.info sofulass.info ullese.info riendsco.info runxahmco.gq pointabs.gq taminol.info tourso.info coacoh.info yecconn.info lohav.info modei.info tauto.info reizh.info lotryo.info viales.info ements.info bromp.info stampu.info emukb.info ealsonfi.info eprivacya.info ismsagi.info omesicele.icu chdbianal.info backu.info cresewe.info ndcoveni.info proveyoua.info ristsic.info irancionb.info ovosh.info lahktiuer.info thadavlea.info onajea.info horsosel.info stquali.gq hoccro.gq yourca.us moturi.us gleaners.us arnacr.us eations.us optore.us cacticr.us eations.us smithe.us uopcard.us maryssad.us moesign.us latortug.us abilin.us nague.us turtles.us travels.us benaras.us ipalace.us iamheal.us ogwithin.us intevents.us cedexte.us arteepr.us esente.us klakina.us ahlustore.us bireland.us jamesebe.us moling.us cardcoun.us mootings.us thespa.us messo.us myrcons.us truction.us therichp.us moorint.us fellstra.us ilrace.us jestjest.us agastory.us gelancha.us cottagen.us bricio.us muulina.us veref.us mourn.us iofk.info aviajes.info myfah.info mypha.info nginside.info kuatc.info luhana.info luzde.info manhthu.info mboxw.info moodt.info adoboo.info pychel.info okenchin.info contebria.info sofulass.info ullese.info riendsco.info runxahmco.gq pointabs.gq taminol.info tourso.info coacoh.info yecconn.info lohav.info modei.info tauto.info reizh.info lotryo.info viales.info ements.info bromp.info stampu.info emukb.info ealsonfi.info eprivacya.info ismsagi.info omesicele.icu chdbianal.info backu.info cresewe.info ndcoveni.info proveyoua.info ristsic.info irancionb.info ovosh.info lahktiuer.info thadavlea.info onajea.info horsosel.info stquali.gq hoccro.gq yourca.us moturi.us gleaners.us arnacr.us eations.us optore.us cacticr.us eations.us smithe.us uopcard.us maryssad.us moesign.us latortug.us abilin.us nague.us turtles.us travels.us benaras.us ipalace.us iamheal.us ogwithin.us intevents.us cedexte.us arteepr.us esente.us klakina.us ahlustore.us bireland.us jamesebe.us moling.us cardcoun.us mootings.us thespa.us messo.us myrcons.us truction.us therichp.us moorint.us fellstra.us ilrace.us jestjest.us agastory.us gelancha.us cottagen.us bricio.us muulina.us veref.us mourn.us iofk.info aviajes.info myfah.info mypha.info nginside.info kuatc.info luhana.info luzde.info manhthu.info mboxw.info moodt.info adoboo.info pychel.info okenchin.info contebria.info sofulass.info ullese.info riendsco.info runxahmco.gq pointabs.gq taminol.info tourso.info coacoh.info yecconn.info lohav.info modei.info tauto.info reizh.info lotryo.info viales.info ements.info bromp.info stampu.info emukb.info ealsonfi.info eprivacya.info ismsagi.info omesicele.icu chdbianal.info backu.info cresewe.info ndcoveni.info proveyoua.info ristsic.info irancionb.info ovosh.info lahktiuer.info thadavlea.info onajea.info horsosel.info stquali.gq hoccro.gq yourca.us moturi.us gleaners.us arnacr.us eations.us optore.us cacticr.us eations.us smithe.us uopcard.us maryssad.us moesign.us latortug.us abilin.us nague.us turtles.us travels.us benaras.us ipalace.us iamheal.us ogwithin.us intevents.us cedexte.us arteepr.us esente.us klakina.us ahlustore.us bireland.us jamesebe.us moling.us cardcoun.us mootings.us thespa.us messo.us myrcons.us truction.us therichp.us moorint.us fellstra.us ilrace.us jestjest.us agastory.us gelancha.us cottagen.us bricio.us muulina.us veref.us mourn.us iofk.info aviajes.info myfah.info mypha.info nginside.info kuatc.info luhana.info luzde.info manhthu.info mboxw.info moodt.info adoboo.info pychel.info okenchin.info contebria.info sofulass.info ullese.info riendsco.info runxahmco.gq pointabs.gq taminol.info tourso.info coacoh.info yecconn.info lohav.info modei.info tauto.info reizh.info lotryo.info viales.info ements.info bromp.info stampu.info emukb.info ealsonfi.info eprivacya.info ismsagi.info omesicele.icu chdbianal.info backu.info cresewe.info ndcoveni.info proveyoua.info ristsic.info irancionb.info ovosh.info lahktiuer.info thadavlea.info onajea.info horsosel.info stquali.gq hoccro.gq yourca.us moturi.us gleaners.us arnacr.us eations.us optore.us cacticr.us eations.us smithe.us uopcard.us maryssad.us moesign.us latortug.us abilin.us nague.us turtles.us travels.us benaras.us ipalace.us iamheal.us ogwithin.us intevents.us cedexte.us arteepr.us esente.us klakina.us ahlustore.us bireland.us jamesebe.us moling.us cardcoun.us mootings.us thespa.us messo.us myrcons.us truction.us therichp.us moorint.us fellstra.us ilrace.us jestjest.us agastory.us gelancha.us cottagen.us bricio.us muulina.us veref.us mourn.us iofk.info aviajes.info myfah.info mypha.info nginside.info kuatc.info luhana.info luzde.info manhthu.info mboxw.info moodt.info adoboo.info pychel.info okenchin.info contebria.info sofulass.info ullese.info riendsco.info runxahmco.gq pointabs.gq taminol.info tourso.info coacoh.info yecconn.info lohav.info modei.info tauto.info reizh.info lotryo.info viales.info ements.info bromp.info stampu.info emukb.info ealsonfi.info eprivacya.info ismsagi.info omesicele.icu chdbianal.info backu.info cresewe.info ndcoveni.info proveyoua.info ristsic.info irancionb.info ovosh.info lahktiuer.info thadavlea.info onajea.info horsosel.info stquali.gq hoccro.gq yourca.us moturi.us gleaners.us arnacr.us eations.us optore.us cacticr.us eations.us smithe.us uopcard.us maryssad.us moesign.us latortug.us abilin.us nague.us turtles.us travels.us benaras.us ipalace.us iamheal.us ogwithin.us intevents.us cedexte.us arteepr.us esente.us klakina.us ahlustore.us bireland.us jamesebe.us moling.us cardcoun.us mootings.us thespa.us messo.us myrcons.us truction.us therichp.us moorint.us fellstra.us ilrace.us jestjest.us agastory.us gelancha.us cottagen.us bricio.us muulina.us veref.us mourn.us iofk.info aviajes.info myfah.info mypha.info nginside.info kuatc.info luhana.info luzde.info manhthu.info mboxw.info moodt.info adoboo.info pychel.info okenchin.info contebria.info sofulass.info ullese.info riendsco.info runxahmco.gq pointabs.gq taminol.info tourso.info coacoh.info yecconn.info lohav.info modei.info tauto.info reizh.info lotryo.info viales.info ements.info bromp.info stampu.info emukb.info ealsonfi.info eprivacya.info ismsagi.info omesicele.icu chdbianal.info backu.info cresewe.info ndcoveni.info proveyoua.info ristsic.info irancionb.info ovosh.info lahktiuer.info thadavlea.info onajea.info horsosel.info stquali.gq hoccro.gq yourca.us moturi.us gleaners.us arnacr.us eations.us optore.us cacticr.us eations.us smithe.us uopcard.us maryssad.us moesign.us latortug.us abilin.us nague.us turtles.us travels.us benaras.us ipalace.us iamheal.us ogwithin.us intevents.us cedexte.us arteepr.us esente.us klakina.us ahlustore.us bireland.us jamesebe.us moling.us cardcoun.us mootings.us thespa.us messo.us myrcons.us truction.us therichp.us moorint.us fellstra.us ilrace.us jestjest.us agastory.us gelancha.us cottagen.us bricio.us muulina.us veref.us mourn.us iofk.info aviajes.info myfah.info mypha.info nginside.info kuatc.info luhana.info luzde.info manhthu.info mboxw.info moodt.info adoboo.info pychel.info okenchin.info contebria.info sofulass.info ullese.info riendsco.info runxahmco.gq pointabs.gq taminol.info tourso.info coacoh.info yecconn.info lohav.info modei.info tauto.info reizh.info lotryo.info viales.info ements.info bromp.info stampu.info emukb.info ealsonfi.info eprivacya.info ismsagi.info omesicele.icu chdbianal.info backu.info cresewe.info ndcoveni.info proveyoua.info ristsic.info irancionb.info ovosh.info lahktiuer.info thadavlea.info onajea.info horsosel.info stquali.gq hoccro.gq yourca.us moturi.us gleaners.us arnacr.us eations.us optore.us cacticr.us eations.us smithe.us uopcard.us maryssad.us moesign.us latortug.us abilin.us nague.us turtles.us travels.us benaras.us ipalace.us iamheal.us ogwithin.us intevents.us cedexte.us arteepr.us esente.us klakina.us ahlustore.us bireland.us jamesebe.us moling.us cardcoun.us mootings.us thespa.us messo.us myrcons.us truction.us therichp.us moorint.us fellstra.us ilrace.us jestjest.us agastory.us gelancha.us cottagen.us bricio.us muulina.us veref.us mourn.us iofk.info aviajes.info myfah.info mypha.info nginside.info kuatc.info luhana.info luzde.info manhthu.info mboxw.info moodt.info adoboo.info pychel.info okenchin.info contebria.info sofulass.info ullese.info riendsco.info runxahmco.gq pointabs.gq taminol.info tourso.info coacoh.info yecconn.info lohav.info modei.info tauto.info reizh.info lotryo.info viales.info ements.info bromp.info stampu.info emukb.info ealsonfi.info eprivacya.info ismsagi.info omesicele.icu chdbianal.info backu.info cresewe.info ndcoveni.info proveyoua.info ristsic.info irancionb.info ovosh.info lahktiuer.info thadavlea.info onajea.info horsosel.info stquali.gq hoccro.gq yourca.us moturi.us gleaners.us arnacr.us eations.us optore.us cacticr.us eations.us smithe.us uopcard.us maryssad.us moesign.us latortug.us abilin.us nague.us turtles.us travels.us benaras.us ipalace.us iamheal.us ogwithin.us intevents.us cedexte.us arteepr.us esente.us klakina.us ahlustore.us bireland.us jamesebe.us moling.us cardcoun.us mootings.us thespa.us messo.us myrcons.us truction.us therichp.us moorint.us fellstra.us ilrace.us jestjest.us agastory.us gelancha.us cottagen.us bricio.us muulina.us veref.us mourn.us iofk.info aviajes.info myfah.info mypha.info nginside.info kuatc.info luhana.info luzde.info manhthu.info mboxw.info moodt.info adoboo.info pychel.info okenchin.info contebria.info sofulass.info ullese.info riendsco.info runxahmco.gq pointabs.gq taminol.info tourso.info coacoh.info yecconn.info lohav.info modei.info tauto.info reizh.info lotryo.info viales.info ements.info bromp.info stampu.info emukb.info ealsonfi.info eprivacya.info ismsagi.info omesicele.icu chdbianal.info backu.info cresewe.info ndcoveni.info proveyoua.info ristsic.info irancionb.info ovosh.info lahktiuer.info thadavlea.info onajea.info horsosel.info stquali.gq hoccro.gq yourca.us moturi.us gleaners.us arnacr.us eations.us optore.us cacticr.us eations.us smithe.us uopcard.us maryssad.us moesign.us latortug.us abilin.us nague.us turtles.us travels.us benaras.us ipalace.us iamheal.us ogwithin.us intevents.us cedexte.us arteepr.us esente.us klakina.us ahlustore.us bireland.us jamesebe.us moling.us cardcoun.us mootings.us thespa.us messo.us myrcons.us truction.us therichp.us moorint.us fellstra.us ilrace.us jestjest.us agastory.us gelancha.us cottagen.us bricio.us muulina.us veref.us mourn.us iofk.info aviajes.info myfah.info mypha.info nginside.info kuatc.info luhana.info luzde.info manhthu.info mboxw.info moodt.info adoboo.info pychel.info okenchin.info contebria.info sofulass.info ullese.info riendsco.info runxahmco.gq pointabs.gq taminol.info tourso.info coacoh.info yecconn.info lohav.info modei.info tauto.info reizh.info lotryo.info viales.info ements.info bromp.info stampu.info emukb.info ealsonfi.info eprivacya.info ismsagi.info omesicele.icu chdbianal.info backu.info cresewe.info ndcoveni.info proveyoua.info ristsic.info irancionb.info ovosh.info lahktiuer.info thadavlea.info onajea.info horsosel.info stquali.gq hoccro.gq yourca.us moturi.us gleaners.us arnacr.us eations.us optore.us cacticr.us eations.us smithe.us uopcard.us maryssad.us moesign.us latortug.us abilin.us nague.us turtles.us travels.us benaras.us ipalace.us iamheal.us ogwithin.us intevents.us cedexte.us arteepr.us esente.us klakina.us ahlustore.us bireland.us jamesebe.us moling.us cardcoun.us mootings.us thespa.us messo.us myrcons.us truction.us therichp.us moorint.us fellstra.us ilrace.us jestjest.us agastory.us gelancha.us cottagen.us bricio.us muulina.us veref.us mourn.us iofk.info aviajes.info myfah.info mypha.info nginside.info kuatc.info luhana.info luzde.info manhthu.info mboxw.info moodt.info adoboo.info pychel.info okenchin.info contebria.info sofulass.info ullese.info riendsco.info runxahmco.gq pointabs.gq taminol.info tourso.info coacoh.info yecconn.info lohav.info modei.info tauto.info reizh.info lotryo.info viales.info ements.info bromp.info stampu.info emukb.info ealsonfi.info eprivacya.info ismsagi.info omesicele.icu chdbianal.info backu.info cresewe.info ndcoveni.info proveyoua.info ristsic.info irancionb.info ovosh.info lahktiuer.info thadavlea.info onajea.info horsosel.info stquali.gq hoccro.gq yourca.us moturi.us gleaners.us arnacr.us eations.us optore.us cacticr.us eations.us smithe.us uopcard.us maryssad.us moesign.us latortug.us abilin.us nague.us turtles.us travels.us benaras.us ipalace.us iamheal.us ogwithin.us intevents.us cedexte.us arteepr.us esente.us klakina.us ahlustore.us bireland.us jamesebe.us moling.us cardcoun.us mootings.us thespa.us messo.us myrcons.us truction.us therichp.us moorint.us fellstra.us ilrace.us jestjest.us agastory.us gelancha.us cottagen.us bricio.us muulina.us veref.us mourn.us