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Anyone in the world By [http://ezinearticles.com/?expert=Steve_C_Clark]Steve C Clark Obtaining an unsecured loan was a problem till a few years ago. This placed the non homeowners and people who did not possess a property in a disadvantaged situation. The ground realities have changed today and it is easy to obtain an unsecured loan today. The rates may be slightly higher than that of the secured counterpart but it is worth paying slightly higher for it and getting out of an unfortunate situation or planning the finances with the bigger picture in the mind. Unsecured personal loans are the loans which do not require a collateral. Unsecured personal loans are available to everybody and can be obtained with a limited flexibility for one of the several heads. You may avail an unsecured loan for amounts varying between 500 to 25,000. The period of repayment varies between 6 months and 10 years. The period and amount may depend on the purpose for which the loan is takes such as loans for holidays should normally be paid back within 2 years. Since these loans do not require a collateral, sometimes these get processed faster than the secured loans. There is less of verification that is required and the resulting documentation is also less. The drawback of these loans is that the interest rate is slightly higher mostly above 10%. This is understandable from the lender's perspective since the money of the lender is at a higher risk here than in the secured loan. The interest for these loans vary to large extremes, so borrowers need to be aware of it and should be willing to invest time to read the fine prints of all loan documents. The rates are quoted beforehand by the lenders and these rates are advertised around they are known as the APR annual percentage rate. APR acts as a rule of thumb guideline to compare different products and lenders. These APR's might not be the rates at which you would be offered the loan. They are simply representative rates at which an average of 50% borrowers would get the money. The exact rate would normally depend upon the amount of risk that the lender perceives in you which in turn depends on your employment status, your repayment capacity, your credit history among others. It would also vary based on the amount of loan and the term being requested. All personal loans including the unsecured personal loans are to be repaid monthly. Based on the contract, the lender may allow you to overpay and try and finish the loan earlier than normal. However, the lender normally charge a penalty for earlier repayment which is mostly up to 2 months of interest. However it is worthwhile to check all the documents before starting with or agreeing on any terms. Payment breaks and repayment holidays are also provided by some lenders and if these are important to you, you may insist to have these in the contract. Since the options are diverse here and the flexibility limits of different lenders an products are different, it is best to compare and think well before going for such a loan. The APR gives a basic idea, but it is far more important to dig in a few of the shortlisted agencies to find which one is the exact match for you. Steve Clark can tell you how to look better, live better and breathe better by giving you tips to improve your finances.He writes on loans. His ideas can help you rejuvenate your money.To find Personal loan UK,secured loans,unsecured loans visit http://www.ezpersonalloansuk.co.uk Article Source: http://EzineArticles.com/?expert=Steve_C_Clark http://EzineArticles.com/?Unsecured-Personal-Loans-for-UK-citizens&id=264567 florida payday rules
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Anyone in the world By Denton Lesslie I was schooled, as many of you were, about mowing lawns, that each time you mow the lawn the next time you rotate 90 degrees. If you are extra anal you go for the 45 degree rotation. I was never that anal so I just cut on the 90 and things went well. The people that "schooled me" said that it would make groves in my yard where I ran the mover. And, I believed it. Until I moved into my new house, and I followed suit and started my 90 degree rotation. Well we live on a slope becase of 1. the view and 2. the water drainage problem we had in out previous home (that is another story.) I mowed the lawn three times. Twice up and down and once side to side. It was
amazing how much easier going across the slope, than going up and down. I spent
the rest of the summer going across the slope. Along with the proper fertilization
and watering. I kept the blade on the mover sharp and What a Beautiful Lawn. The
kids had a ball barefoot and happy. I am a proponent of push mowers. I think that they mow a better lawn and provide
and provide a chance to get the blood flowing in between exercise sessions.
Working behind a computer as much as I do, that is much needed. I also feel that
they give you more control of the mower than a riding mowers. Not to mention that
they are safer. It also really hacks me off to see some one terribly over weight
mowing a 1/4 acre lot with a riding mower. That is ridiculous! Anyway off my soap
box. After I am done, if there is any "clumps" I take the leaf blower and disapate them
into the grass. I hate to say it but the more regularly that you mow the less clumps
you will have. Blah, Blah, Blah! All and all a beautiful lawn is not that difficult. Just some ideas to help you save
some energy for other projects. Just thinking of you. Just a few options. Denton Lesslie is the president of
http://www.greathomeimprovements.com
and a consultant for Department of Energy's Building America Division for the
last 6 years. There are many articles about your
garage. Article Source: http://EzineArticles.com/?expert=Denton_Lesslie http://EzineArticles.com/?Mow-A-Better-Lawn,-The-Easy-Way&id=107156 christmas guaranteed no fax payday loan
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Anyone in the world By Chris Robertson Every woman can think back to her childhood and reminisce about her favorite baby dolls. Perhaps her most treasured dolls were popular dolls with ever-changing outfits and accessories, dolls that had long tresses that could be brushed, or collectible porcelain dolls handed down for generations and displayed in a special case or on a special shelf. These treasured memories are the reason that collectible dolls are so popular today.
Today's collectible dolls aren't necessarily antique dolls; more often, they're contemporary dolls that are, in essence, artist dolls - collectible dolls in limited editions that are carefully crafted by artists. Some of the most popular and treasured collectible dolls today are made by the following companies and artisans:
Adora Doll Company: The Adora Doll Company makes two types of baby dolls, those that are affordable and therefore accessible to many collectors, and limited editions that appeal to serious upscale collectors. Adora baby dolls are available in all races, eye colors, and hair colors, making them welcome additions for any doll collection.
Lee Middleton: Although the company's namesake passed away in 1997, this popular and award-winning company continues to produce baby dolls that have amazingly realistic and unique facial expressions.
Robert Tonner: Robert Tonner, known throughout the world for his award winning dolls and fashions, began his career as a head designer for Bill Blass after graduating from the Parsons School of Design. Robert Tonner has many lines of popular collectible dolls, including Mary Englebreit dolls, Betsy McCall dolls, and Tiny Betsy McCall dolls.
Zawieruszynski: Polish-born Zofia and Henry Zawieruszynski have won many awards, such as Dolls of Excellence and DOTY, for their collectible porcelain dolls that have hand-painted faces and human hair. These high-end collectible dolls are signed and are accompanied by a certificate of authenticity.
Uta Brauser: Each of Uta Brauser's collectible porcelain dolls are one-of-a-kind and are so unique that they're often found in art galleries.
Nancy Latham: Nancy Pedroso Latham was born in Havana, Cuba and came to the United States in the early 1960s. Her collectible dolls, "The Wistful Children," are inspired by antique photographs of children. The dolls are costumed to represent these children, and accompanying some of the dolls are photographs of the children they portray. The dolls' bodies are made of cotton, while the faces are structured and covered with cloth, and then hand-painted.
Collectible dolls are a wonderful way to recapture the joys of childhood, while at the same time building a foundation that can be passed on to future generations. Chris Robertson is an author of Majon International, one of the worlds MOST popular internet marketing companies on the web.
Learn more about Collectible Dolls Inspire Passion or Majon's Crafts and Hobbies directory. Article Source: http://EzineArticles.com/?expert=Chris_Robertson http://EzineArticles.com/?Collectible-Dolls-Combine-Passion-and-Nostalgia&id=233455 real payday advances
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Anyone in the world By Mary Gardner My son Jeremy will almost be six years old next week. For the first 5 years of his life, putting his shoes and socks and clothes on was a struggle. It isnt anymore. Weve come across a miracle cure!!! Jeremy was diagnosed this past year with Sensory Integration Disorder. He started having problems in school and so we were referred to a place called Lifeskills, in Winter Park, FL. They work with many kids with challenges and specialize in Sensory issues. The problems we encountered at home were on a daily basis. Getting him out of bed was a struggle, finding the right breakfast and ultimately, we dreaded getting him dressed every day. Socks and shoes were constantly being pulled off and tossed. Clothes were never soft enough and the tags all had to go. I spent hundreds of dollars finding clothes and shoes that hed keep on his body. Once, Jeremy struggled so hard with pulling off his coat, he slipped and fell, and bumped his head on a chair. That little incident cost him 15 stitches in his head. When we entered therapy we outlined the laundry list of issues Jeremy had. The big one for us was getting him dressed. Once the therapist gave us the occupational therapy brush and showed us how to brush his arms and legs up and down and his feet, and then to do joint compressions. This brushing is actually a deep pressure massage with a surgical brush and is followed by joint compressions. An occupational therapist can train you once and youll use it at home. (You can find an OT by going through the school counselor or through your family doctor). It was only 2 -3 of days of brushing Jeremy a few times a day before Jeremy was able to adjust quickly to his shoes when we put them on in the morning. Its been like a miracle! Jeremy can now wear clothes and will put on socks and keep them there! He still prefers silky clothes like football jerseys but he will put on socks now and not scream and cry. Before we learned of this type of massage it must have felt like he was putting a wool sweater on during the middle of August. Learning this technique and others at occupational therapy has been a God send in our lives. We used to dread every morning getting Jeremy up and ready for school. We were late nearly every day depending upon what clothes I could find that would feel comfortable. Now, Jeremy dresses himself on most days and our greatest concern is what to make him for breakfast. We still struggle occasionally getting him out of bed, but from what I understand, THAT could be a struggle well into his teen years. And as long as we dont to dress him then, I think well be fine with that! Mary Gardner is an executive Communications Consultant and coach. She is parenting a child with SID and is constantly learning and sharing with other moms who are struggling with the same issues. Please feel free to contact mary at mary@marygardner.com if you would like to share your story. Article Source: http://EzineArticles.com/?expert=Mary_Gardner http://EzineArticles.com/?The-Miracle-Cure-for-Wearing-Clothes-and-Shoes-for-a-Finicky-Kid&id=155081 what is the amount of taxes taken out of your paycheck in iowa
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Anyone in the world By Nic Haffner Deciding where you will go to college is one of the greatest times of your life. You are planning where you will spend then next four years and get some of the most valuable experiences in your life. College location is very important and it makes the decision even more exciting. It is an opportunity for you to move to a new place. Here are some popular destinations! Pepperdine University is an elite and reputable school where you can get high quality education. Another great thing with this school is its spitting distance from Malibu Beach! Pepperdine offers the dual advantage of being a gread school in a nice place. Boston is the biggest and one of the coolest university towns in the country. Every one who attends Boston College end up falling in love with the town by the time they graduate. Vanderbilt is one of the top rated schools in the country, and is located in the south, where you can experience southern hospitality and culture at its best. If you are into sports as well as academics, the University of Tennessee might be of special interest for you, because it has both. It is one of the most highly regarded state universities in the United States. If you really want to aim high, how about Duke University? One of the highest rated schools, Duke provides a quality education, a valuable degree and good memories to all its graduates. For a good women college in a nice, fun town, you might look into Stephens College. Stephens is located in the town of Columbia, Missouri, a nice, small university town located in a pretty area. Virginia Tech is a great university on the east coast. Its an old, historic town with many scenic places. The school has excellent academics and a great football team. If you'd like to live on the west coast, USC is a good, well-respected school where you can get a quality education. If you are an artist and would like to find a job right out of school, you might look into attending a Fashion Institute. There are many all over the country. You may also want to study graphic design to make you job ready when you graduate. The University Miami has great academics, and everybody wants to live in Miami! The school is also recognized for its outstanding sports programs and extracurricular activities. Harvards reputation often overshadows its excellent academics. Life at Harvard is stressful, but if you are up for the challenge, it is a great school to attend. Its still as good as its always been. Yale, too, has maintained its reputation as a great school. These two Ivy League colleges, Harvard and Yale, are old rivals, so picking which one youd like to attend is a hard choice. If you are interested in studying business and getting an MBA, Columbia University is still the right choice. Business leaders are looking for young recruits with Columbia University MBAs! There are almost too many choices out there for prospective students. The list above covers only a few. Our preferences are different, you can choose to live in any part of the country. If you prefer being close to the beach, or the mountains, you can let that help you decide on your school. You can pick Ivy League schools, or schools custom tailored to your genuine interests. Before you decide on a school, you should think carefully about what kind of thing you would like to study and where you would like to live. The possibilities are almost endless! Nic Haffner is a publisher of College Information Resources. You can go to The Best Colleges for more. Article Source: http://EzineArticles.com/?expert=Nic_Haffner http://EzineArticles.com/?Choosing-Your-College-Location&id=300284 cash advance 1 hour
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Anyone in the world By [http://ezinearticles.com/?expert=Scarlette_Riley]Scarlette Riley Arent you fed up of running from lenders to lenders for paying your personal loans? So if you are in such deep financial problem here is your aid as a debt consolidation loan. It is an efficient and popular way to pay all of your loans from multiple sources and reduce the rate of interest reasonably. So now just relax as you will be dealing with single creditor per month and pay a single payment each month. Now if you use this loan efficiently you can solve your all problems regarding debt, but this loan requires a proper homework so that it is tapped at its full potential... DEBT CONSOLIDATION LOAN: LOAN AMOUNT AND INTEREST Since it is obvious that you are taking this loan to manage your multiple debt sources so a sufficient amount is lent as a loan. You can borrow an amount between 3000 to 50000. But all loans you take are secured on your property. The rate of interest is fixed and is 7.9% for secured loans else it is typically 10.9%. However due to the greater influx of lending institutions you are better placed to negotiate. You can pay the loan over the period of 5 to 25 years through the monthly installments. The lenders try their best to make the payment as soon as possible. Once your details confirmation is done you can receive your loan over 14 days. DEBT CONSOLIDATION LOAN: USES You can use this loan as per your convenience for any reason. You can take advantage of its low rate of interest and just handle all other loans. Paying a single loan at a fixed rate comes out to be economical instead of paying too many loans at varying high rates. You can use this loan to clear your credit card or overdrafts. Infact these loans can also be used for the personal works such as renovating house or purchasing a new car or going to exotic places for vacation So it seems that your all financial problems are solved and you are now again taking command over your money business. But still this is to remind you that this is not the universal solution. If you are in a mood of using your credit card unconsciously or change your life style whatever you may fall in deep crises again. You should be aware that this is a secured type of loan against assets such as house so you should show some prudence in its utilization. Scarlette started on a horse back and had a few falls herself. Therefore, she knows. Financial decisions are to be made after considerable thought and backed by good financial understanding. Her articles might introduce you to financial sense without any falls. She suffers from no injuries now. To find all types of loans for unemployed UK Residents Please visit http://www.loansforunemployed.co.uk Article Source: http://EzineArticles.com/?expert=Scarlette_Riley http://EzineArticles.com/?Debt-Consolidation-Loan-UK&id=283465 bad credit debt consolidation loan
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Anyone in the world By Thomas Von Ohlen Have you heard that there is an herbal compound called Black Salve, touted as a natural cure for skin cancer? I first heard about this compound 8 years ago but it has been around for a very long time. We will get to more of that in a moment, but first, did you know that there is an epidemic of skin cancer in the US? The United States is in the midst of a of skin cancer epidemic, according to a report in from the Mayo Clinic. The report goes on to state, One in five Americans will develop skin cancer, and a person's risk of the disease doubles if that person has had five or more sunburns, according to the Mayo statistics. Basal and squamous cell carcinomas, the most common and treatable types of skin cancers, had long been considered a problem only for people over 50, according to the report. But Mayo researchers report that percentage of women under 40 with the more common type, basal cell, tripled between 1976 and 2003, while the rate of squamous cell cancers increased 400 percent. The standard procedure for skin cancer treatment in US hospitals is surgery, chemotherapy, and even radiation, with no significant cure rate! Getting back to black salve, while there are many variations of this herbal compound, the man who first spread the word about and healing from black salve was a man named Harry Hoxsey, founder of the "Hoxsey Method". Hoxsey is the great-grandson of John Hoxsey, an American physician who discovered a remarkably effective cancer cure in 1840 after watching horses with cancer cure themselves by grazing on specific herbs they instinctually searched out. Harry Hoxsey had no formal medical training, but began promoting his great-grandfather's original cancer formula which contained the herbs, bloodroot, burdock, red clover, pokeroot, barberry root, buckthorn, prickly ash, stillingia root and cascara. This black salve formulation was stunningly effective on cancer, and it wasnt long before word of his cancer treatments spread across the US. Along with his success came the scrutiny of the FDA and Big Pharma who saw his cure rate as a huge threat to their personal financial interests. Though Hoxsey never claimed to be a doctor, he was arrested hundreds of times, mostly for practicing medicine without a license! Just a few years ago, another man names Greg Caton developed a similar product, sold it on the internet, and before to long was also arrested. One of his employees described the situation as follows, Yes, Greg was forced/railroaded into pleading guilty for defrauding customers (something even the judge could clearly see that Greg did not want to plea to since he NEVER defrauded ANYONE). But - I guess the threat of arresting your wife, sending your son to foster care and arresting 3 employees as accomplices in the so called "conspiracy to defraud" could drive a person to admit to just about anything. The FDA NEVER ordered us to stop selling anything...we NEVER got a warning letter, a phone call, anything. We were simply raided on September 17th, 2003 at 9:10 am like crack-cocaine dealers. They came in guns drawn (some on full body armor) and demanded that everyone get on the floor (I along with 2 other employees refused). They can not and did not order us to stop selling the products, the only thing they can demand is that our products have no claims, what-so-ever. However, the products were stolen from us by the FDA, therefore we have no products to sell. There was never a single validated complaint to the FDA about any of the variations of the formula sold under any name to this date! This article was written for the purpose of educating you the people about the TRUTH regarding health care choices! Do your own research and you will find a wealth of valid research information on the topic of herbal and other natural remedies for cancer and other major diseases. Until next time, keep searching for the truth! Thomas Von Ohlen, MS is a clinical nutritionist and developer of Plasma Pro software for doctors. In his 15 years in private practice he has helped thousands of people, from all over the world, achieve their health goals through education and product recommendations. His favorite holistic cancer information site is http://www.blacksalveinfo.com Article Source: http://EzineArticles.com/?expert=Thomas_Von_Ohlen http://EzineArticles.com/?Black-Salve,-the-Natural-Treatment-for-Skin-Cancer&id=319477 jacksonville online car loan application
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Anyone in the world By Jerome Spector In Anatomy of Love, Helen Fisher observed that people who meet and are attracted toward each other tend to mirror each other. She said that researchers in societies all over the world observed the same thing. When one would lean forward to sip a drink, the other would lean forward to sip a drink. When one sat back, the other sat back. Fisher said it was like a dance, and when she saw two singles mirroring each others moves, chances are they would be leaving together. It works the other way as well. If you mirror and match your dates, they will come to feel more attracted to you. The more they perceive that you are like them, unconsciously, the more they will like you. It has to be subtle, though. You cant be obviously about it. Fisher said she used mirroring and matching in a meeting with her publisher. The relationship was strained, and the meeting could make or break her book deal. She ordered the same thing he ordered. When he sipped his wine, she sipped her wine. When he salted his food, she salted her food, and so on and so forth. She said it turned the relationship around and led to a publishing deal. Ive used the techniques successfully in business meetings, too. Ive used it in counseling, and in dating situations.
Heres what I do.
I slow or speed up my speech to match the others rhythm.
I take the same kind of posture, but not necessarily exactly the same. For example, if she crossed her arms, I may cross my legs. Thats close enough.
I also try to use the same kinds of words and phrases. If she says, yall Im going to refrain from using, youse guys.
Whats more, when Im using the mirroring and matching techniques, Im especially cautious about expressing differences. If shes a vegetarian, I dont go on and on about my smoked brisket recipe. I find ways to agree with her. One study found that if you express three differences on a first date, a second date is unlikely.
The neuro-linguistic programming (NLP) folks have made mirroring and matching into a science. Instant Rapport by Michael Brooks is a good first book for anyone interested in learning more. Jerome M. Spector is a writer and licensed professional counselor. Jerrys background includes more than two decades enhancing relationships: business relationships (JMSDM Direct Marketing), therapeutic relationships (Relationship Counseling Associates, Childrens Center for Behavioral Development), and intimate relationships (The Relationship Centers). For a wealth of practical information on match-dating, dating and relationship skills, visit http://www.Match-Dating-Online.com. Article Source: http://EzineArticles.com/?expert=Jerome_Spector http://EzineArticles.com/?How-To-Make-A-Better-First-Impression&id=154777 fax payday loan no faxing payday loan payday loans
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Anyone in the world By [http://ezinearticles.com/?expert=Kirthy_Shetty]Kirthy Shetty Mans personal needs are unlimited, to satisfy them all is a difficult task. But now loan companies have made even this difficult task easier. Whatever be the need for personal loans be it purchase of home or a car, cruise to a fantasy land or home improvement, to consolidate credit card bill or to pay of earlier mortgages all of these are possible through online personal loans. Today, a borrower with poor credit history is also eligible for a personal loan under the banner bad credit personal loan. Whatever be his situation for adverse credit be it CCJ(County Court Judgement), IVA(Individual Voluntary Arrangement), defaults of earlier loan payment he would still be able to raise additional finance to realize his dreams or to pay back high rated loans. Its advisable to apply for a cheap personal loan to pay off high rate loans. A good equity in the form of house, or real estate can serve a win-win situation to a borrower. When a borrower has a sound collateral which is of a higher market value then he enjoys an edge over his counterparts. He secures a good personal loan deal with a larger loan amount, lesser APR(Annual Percentage Rate) and flexible repayment terms. Quick and easy online application process has cut down on time and efforts of a borrower. The tedious procedures have been completely lifted; the paperless loan approval has now become the order of the day. Kirthy Shetty, content developer of Finance loans. Get tips on how to obtain cheap personal loan online from [http://www.homeowner-loans-uk.co.uk title=homeowner loans] homeowner loans and [http://www.personal-loan-center.co.uk title=guaranteed personal loans with bad credit]guaranteed personal loans with bad credit. For more information on personal loans visit http://www.guaranteed-personal-loan.co.uk/ Article Source: http://EzineArticles.com/?expert=Kirthy_Shetty http://EzineArticles.com/?Look-into-the-Benefits-of-Guaranteed-Personal-Loans&id=225017 default on a payday loan in texas
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Anyone in the world By Sean Wilder Niche marketing is a very exciting place to be these days. It has not only given new life and excitement to internet marketing, it has also provided a very viable business to budding internet entrepreneurs with a unique product to sell. Starting with what you have
If you are a new internet marketer and want to build a niche market, you can start with your current list. If you have kept a careful record of your clients which includes their particular interests, you already have a pretty good idea of who and how many would be interested in your niche product. However, if you're a newbie niche marketer, you will have to start from scratch. Back to the old drawing board
If you want very important information about your potential market, what do you do? Research, of course. No, it isnt just for scientists and students, it's for niche marketing as well. Every great idea in the world actually worked because of research. Edison did his fair share and became a huge success because of it and you could learn a lot from him. Ask around, do a survey, read magazines, newsletters and newspapers. Do a keyword research online to see what exactly most people are looking for. Read what you can about these products and the companies that make them. What makes them special? What makes them stand out from the crowd? Observe people's buying habits and preferences and take note of the amount and frequency of their need for a particular product. Ask questions: What are their usual reactions? What do they think the product needs for further improvement? What do they not like? What do they wish were included in the product? How much are they willing to pay for a product that addresses all these needs? If you have the proper information about what people need and how your product meets these needs, you would be better able to get positive reaction once you send out to your mailing list. Blog it
You can't hope to build a mailing list for your niche marketing if you have no website. Build one that has the right kind of look to appeal to your targeted audience. Utilize blogging to attract visitors. You have a choice between integrating your blog into your business website or having a separate site with which to blog from. Use a single theme on your blog and use only articles, photos, ads and links that are related to your product. Adding irrelevant topics will bore your visitors and make them suspicious. One-themed blogs are excellent for attracting a particular group. You can be sure that your site visitors are those who have a real interest in what you have to say and will more likely participate and interact with you to actually join your mailing list. Offer a free newsletter to your visitors. If they sign up, then you have a captured market that you can sell to with more likelihood of success. Write about it
Article writing is sometimes underestimated by niche marketers, but when used properly, it can be a very powerful tool, especially if it's published through a high traffic ezine or website. If you write convincingly about your product, you are more likely to attract the right kind of audience those with an interest on your product and who would be more inclined to buy. Give for free
Freebies are always irresistible, especially if your targeted market finds them useful and provocative. If it works for them or if they find it stimulating, they will come back for more. Lure your target audience in with offers of free e-books and reports. Offer to give them more freebies for referrals to encourage more readership and exposure. Free reports and e-books are very effective in capturing the attention of your intended audience. If they are interested enough, they will sign up for download. Otherwise, they will merely ignore your offer, which means they are not the kind of audience that would actually do business with you. Building a mailing list for your niche market is a painstaking and time consuming process. However, when done correctly, its rewards are plenty. If your campaign is highly targeted, you will not have to waste time and effort trying to attract an audience that does not find your product attractive or useful. You can focus your efforts on a market which has better use of your product and can actually help you build a niche market that has value and sustainability. ATTENTION: "Test-drive my 3-step money-making formula today and
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