Google Advertising - The Basic Landscape of AdWords

Google makes the vast majority of it's money through advertising revenues. More specifically Google generates advertising revenue through there advertising program known as AdWords.

How to Change Servers (DNS) for Domains Hosted with

This is a simple step by step "how to" article describing how to change your domain name servers hosted in your hosting account.

Credit Websites for US Consumers

There are three official websites that a US consumer can visit and access their free annual credit report. These three sites belong to (one each) the three major credit bureaus. I have listed the 3 credit bureaus below.

Keeping Up with Your Credit Reports? - You are Not the Only One

Many consumers like to keep an eye on their credit. Monitoring your credit report and credit score is a healthy habit of the financially savvy. It is a sign of smart personal finance and debt management habits. This is no secret.

What many folks don't know is that they are not the only ones looking at their credit reports, credit history, and their credit scores.

Creditors are Willing to Eliminate Debt - Find Out Why

It often comes as a shocking surprise to people when they learn just how much folks typically save through debt settlement.

People often do not expect lenders to be willing to eliminating tens of thousands in credit card debt for people who are in financial hardship. None the less it is true.

Business Basics - Understanding Risk and the Certainty of Uncertainty

Anyone who has been responsible for a business for some amount of time knows or quickly finds out that one of the biggest mistakes a business operator can make is not expecting to make a mistake. It can even get worst at times. Sometimes disaster will strike with no notice and no fault. This potential disaster, this uncertainty, this certainty of uncertainty is known as risk.

This post will outline some potential risks of doing business and more specifically the typical horizons of which risk tends to rise.

Budget Bucket Saving

As the economy continues to struggle consumers and homeowners a like are starting to see the importance of increasing their savings and their savings rate.

I have taken the time to post some simple steps you can take to save more through a strategy known as budget bucket saving. This is a great personal finance tip.

Amidst the Ash of Subprime

A New Borrowing Era - Post Subprime

Following the subprime mortgage crisis, and the political and economic changes that it has caused, will you be able to rely on your mortgage broker?

Home Buyer Considerations

Mortgage lending has been the catalyst and factor allowing most of today's homeowners to own their home. Depending on your personal finances you also may one day take out a mortgage. In which case there are several factors that home buyers should consider before buying a home and taking out a mortgage. This article contains essential mortgage questions home buyers should consider when obtaining a mortgage.

Debt Settlement Basics

Debt Settlement

Debt settlement can be defined as resolving distressed loans and debt through a pay off agreement between both creditor and borrower. Typically the debt to be payed is drastically reduced and the new reduced amount is paid immediately in one large payment.

DIY Credit Card Debt Settlement

Borrowers who are amidst a financial hardship and can not make timely monthly payments on their credit card debt can benefit from debt settlement. Distressed borrowers are able to avoid bankruptcy as well as reduce the total amount owed by successfully negotiating a settlement with their creditors.

This post discuses how consumers of credit card debt can obtain debt help and a debt settlement offer on their own.

Cash For keys

Foreclosure sales are at all time highs.

Homeowners are losing their homes everywhere. Many people who lose their home to foreclosure have to move, and thus incur significant expenses and moving costs. This is a financial hardship in itself but is often endured while the former residents are already amidst a current financial hardship which has caused them to default on their mortgage payments and fall victim to foreclosure in the first place.

A program called Cash for Keys was developed to address this homeowner difficulty.

Chapter 13 Bankruptcy

Borrowers with overwhelming financial obligations can obtain debt help through a chapter 13 bankruptcy given the borrower has income and is able to make good on their financial obligations through a feasible and fair compromise with the existing creditors.

Chapter 11 Bankruptcy

Chapter 11 bankruptcy allows businesses to obtain debt relief by restructuring the existing financial obligations of the distressed business. This type of bankruptcy is ideal for businesses that would be profitable if not for unmanageable levels of debt.

Chapter 7 Bankruptcy

Chapter 7 bankruptcy is a legal process which exists, and was created, as a debt solution for those who are overwhelmed with debt, and further, this chapter of bankruptcy is intended to help borrowers who have no feasible way of complying with the terms of the debt in it's current form. 

This chapter is able to provide consumers help with debt and financial hardship.

Bankruptcy Basics

This post will discuss the fundamentals of bankruptcy.

Small Business Marketing - A Warning to Small Business Owners

As you may or may not know there are many outlets for dentist, family physicians, lawyers, and any other common local business owners to obtain professional help with advertising, marketing, and related efforts and needs.

What you may not know is that there is most likely no other consumer with in the marketing and advertising industry that is more sought out by marketing firms then this target market.

The reasons behind this is simple.

Articles of Organizaton - LLC

In the wake of the economy and the correlating loss of employment that has effected many Americans more and more professionals are taking matters into their own hands. Folks are going into business on their own and many of these folks plan on starting a LLC to work under.

This is generally a smart decision as a LLC provides some legal protection and limits exposure to both legal and financial liability.

To form a LLC one must first write and file the Articles of Organization.

Warren Buffett - Talking Plain Sense to the Plain Dumb

This is a interview with Warren Buffett.

He has made numerous pleas, public appearances, self-less efforts, a rich man's challenge that has gone unanswered, and campaigned tirelessly to no avail.

Shame on us.

Please allow me to explain.

Hang On... (This is Going to Be Fun)

It just hit me that it has been a while since I posted anything fun or playful.

Long Term Decline in Manufacturing Jobs

There has been a long term trend of declining manufacturing jobs in the United States. This article will discuss the downward trending track of US manufacturing jobs.

Basic Types of Business Operations

List of Catagory and Type of Business Operations with Business Examples

Creating Value through Business Operations

This post discusses creating value through process and operations of businesses.

Challenges of Managing Services

Managing a service based business is complicated through a variety operational characteristics. In this post, I wanted to discuss why and how managing services is challenging.

Business Operations - Productivity

Business Productivity

This article discusses operations productivity and measuring business productivity.

The founder of is famous for saying that anything watched and measured tends to go up. Keeping track of company productivity is essential to running a successful business venture.

Competitiveness, Strategy, and Productivity

Organizational Strategy Formulation Explained

Businesses compete using operations and more importantly their operational strategy. This article discusses strategy and operations planning.

Operations Management

Core Fundamentals of Operations Management 

This article will discuss the basics of operations management as it pertains to business.

Cash, Credit, or Cell?

"Hey can you cover me I left my charger at work?"

This is how you will sucker your friend in to paying for your night out in a year or two.


Yeah... you, Master Card, Visa, and American Express too.

US Unemployment Checks - Two Million Say Good Bye

Today two million unemployed Americans say goodbye to their unemployment checks.

I have never been good at saying goodbye. For the purposes of this post that really does not matter.

I have never received unemployment benefits. So I will not be one of the two million US citizens who will have to say goodbye to their unemployment checks today.