Want your own coffee shop?

September 24th, 2009

Owning your own business a great way to take control of your financial future. For those without a lot of business experience a franchise is a way to start a business without all of the hassles. A franchise can provide you with an almost turnkey solution that covers supplies, marketing and training.

The other main advantage to paying the franchise fees and royalties is to be part of a known brand. This alone can help aquire customers who have previously purchased from another franchisee.

A coffee shop franchise is an simpler way of having a coffee business with a known and trusted brand. The success of Starbucks shows how effective this is. There are always a lot of more local franchise options too.

Max Mastermind Team Launches

September 2nd, 2009

At first Steven Scott wasn’t interested in marketing a supplement. However after further investigations and then trying the product for himself he realised this was unlike anything else. Max International was born to market the product MaxGXL. The worlds first glutathione accelerator has been making waves with its unparalled effectiveness for a nutritional product. The rapid and sometimes lifechanging results have driven the strong growth with Max International as more testimonials come in. Try it yourself to see what Max can do for you.

Max International coming to Australia?

July 20th, 2009

Max International is launching in the Philippines this week which marks their first expansion outside of North America. This will be a stepping stone to other countries in the area and hopefully it won’t be too long before we see maxgxl in australia.

MaxGXL is an amazing health product that has a lot of benefits so it will be great to see it here down under along with NFuze and the MaxWLX weight loss product.

maxgxl review or scam

July 5th, 2009

Steven K Scott and the principals of Guthy-Renker have brought us maxgxl a revolutionary new supplement that dramatically raises the body’s level of glutathione, the master antioxidant.  Developed by Dr Robert Keller as a way to improve to quality of life of the sick patients he was working with, his patented formula MaxGXL is now available to every to experience the health benefits and quality of life improvements.  Get your max today and start living life to the max.

Will the United States Collapse?

June 2nd, 2009

[This post is written and copyrighted by FIRE Finance (http://firefinance.blogspot.com).]

We, Americans, are going through hard times. Several thousands of us have lost our jobs, the economy is in recession, the market is down and no one knows when things are going to look up. Amidst all these events, a Russian academic, Igor Panarin, has been predicting the U.S. will fall apart in 2010. Well earlier when things were okay no one believed him. But now people are taking notice. Check out his map which shows a disintegrated America.

[Please click on the image to Zoom In]
He based the forecast on classified data supplied to him by FAPSI analysts, he says. He predicts that economic, financial and demographic trends will provoke a political and social crisis in the U.S. When the going gets tough, he says, wealthier states will withhold funds from the federal government and effectively secede from the union. Social unrest up to and including a civil war will follow. The U.S. will then split along ethnic lines, and foreign powers will move in.

California will form the nucleus of what he calls “The Californian Republic,” and will be part of China or under Chinese influence. Texas will be the heart of “The Texas Republic,” a cluster of states that will go to Mexico or fall under Mexican influence. Washington, D.C., and New York will be part of an “Atlantic America” that may join the European Union. Canada will grab a group of Northern states Prof. Panarin calls “The Central North American Republic.” Hawaii, he suggests, will be a protectorate of Japan or China, and Alaska will be subsumed into Russia.

“It would be reasonable for Russia to lay claim to Alaska; it was part of the Russian Empire for a long time.” A framed satellite image of the Bering Strait that separates Alaska from Russia like a thread hangs from his office wall. “It’s not there for no reason,” he says with a sly grin.

Prof. Panarin, 50 years old, is a former KGB analyst and dean of the Russian Foreign Ministry’s academy for future diplomats. He appears in the media as an expert on U.S.A.- Russia relations.

We’ll keep our fingers crossed and hope that such a situation never arises. Meanwhile we were wondering what were Russia’s chances of standing united if America disintegrated? In today’s global economy things are poised like a pack of dominoes cards, if one falls, can the others maintain their balance for long?

What are your opinions and feedback? Drop a line. And here is a toast to a strong and integrated U.S.A. :) .

Reference(s):

  1. Osborn, Andrew – As if Things Weren’t Bad Enough, Russian Professor Predicts End of U.S. – The Wall Street Journal

Free 7 Paid Sick Days Mandatory Says Gov’t

June 1st, 2009

There’s a move afoot by US lawmakers to make it mandatory that employers provide employees with at least 7 paid sick days per year. The legislation called the Healthy Families Act, which would enable certain workers to earn one hour of paid sick time for every 30 hours worked, for up to seven days a year. Workers could use this time to care for themselves or family members. With a catchy and fuzzy name like that, who could debate it, right? I understand the rationale for the push and I realize there are lousy employers out there who don’t take care of employees who are in a time of need, but I thought that was what FMLA was for. The examples of justification for the proposal I’ve seen in the media reports reflect the hardships that employees have been enduring when their budgets don’t allow for the time off unpaid. Not that they’re being fired for being sick, but that they don’t have it in their budget. If what equates to say, a 3% pay cut (7 days unpaid) in a given year pushes your family over the edge, perhaps Congress should be focusing more on a family budgeting and personal responsibility act over this “Healthy Families” Act which actually does nothing for keep families healthier, yet saps business further in the middle of an economic downturn.

I don’t understand why an employer now has to be responsible for an employee’s lack of ability to budget. Look, if someone has a serious illness and they need some time off, I get that. I’d hope my employer would give me some support if I or one of my family members had a debilitating disease that required some time off to recover. I just wouldn’t anticipate that on an annual basis, I now essentially get an extra 7 vacation days each year. Let’s face it, that’s what this is going to turn into.


I’ve seen the FMLA abuses first hand by people who take advantage of the system (i.e. the same people tend to require extended FMLA absences once per year, [often around summer time!]) and the doctors that write some of the bogus justifications are no better. What’s in it for them? Just the continued visits and reputation for other would-be FMLA abusers to visit for some easy documentation. If Dr. X doesn’t write up that note for my “asthma condition” that allows me to take off whenever I want, I’ll go to a doctor who will. Now, this sick day allowance – it’s essentially a government-mandated additional 7 vacation days.


Sick Days = Free Vacation Days. Yaaah!

The reality from the people I know that get “sick days” that accrue each year, is they don’t actually use them when they’re sick. They use them for vacation, for running errands or they are compensated for not using them at the end of the year. I don’t begrudge them per se, because everyone else in their company (or government job) is doing the same thing and it’s the norm rather than the exception. I don’t know, maybe if I were a government worker now, I’d do the same thing and I’m just cranky. In my company, we have unlimited sick days, but I’ve never used a sick day in my career. Nor have I ever missed a day since I was working as a teenager. I guess I’ve been lucky, or I stay healthy or whatever and I realize it’s not the same for everyone. However, what will really end up happening here is that people will take these 7 days, use them for different purposes as I stated above and when they actually ARE sick – they come to work anyway!!! Why? Because they feel like they’re wasting a vacation day or money they could bundle up later. This ill concieved law will not actually help people, but rather, just continue the abuses by a sizeable portion of employees that continually look to get one over on their employers any chance they get.

This is another one of the laws of unintended consequences in my opinion – not to mention government meddling. You’re going to increase employer costs, which in turn doesn’t help profitability or job creation, while you reward the abusers and punish the people who play by the rules – all while not even addressing the underlying issue – which is the fact that some people can’t keep a 7 day emergency fund on hand for unintended expenses.


Your Thoughts?

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Free 7 Paid Sick Days Mandatory Says Gov’t

maxgxl fatigue

May 31st, 2009

At 64 years young, Wayne Lloy is grateful for the introduction of Maxgxl into his program, “my training and energy went thought the roof. For the first time in my life I was able to train twice a day with equal intensity and less fatigue, my recovery times were considerable shorter and I actually trained 7 days a week. My knee problem which prevented me from running was gone I was now running intervals with 8 minute miles. I have not run in over 20 years and had surgery on one knee. A problem I had called white hand… woke me up every night to get the blood flow back to my hands was gone.”

Wayne Lloy found Maxgxl at a health and wellness show in Winnipeg. I took the product faithfully and have reaped the benefits as my body has a tool it always needed and produced naturally and that was already in ever cell increasing it to levels that I had in my 20’s. When my new friend Thomas McKee approached me about sharing this with others and wanted to show me the business end I said that I didn’t need the money. He said to me then do it to help people this was why you got into natural medicine in the first place and this is as natural as it gets you are giving the body the first ever compound patented Glutathione Accelerator in history. Now I just want to share Dr. Keller’s message and the Max products with everyone.

Max International Australia

May 31st, 2009

Max International is starting it international expansion opening in the Phillipines shortly in July. For those in waiting for MaxGXL in Australia there is a longer wait to see if Max will officially open here.

However this provides an excellent opportunity for those who want to prepare for the official launch here. Learning about the products and how to market online will help you get off to a racing start when it opens here.

MaxGXL, NFuze and MaxWLX are 3 amazing products that are getting outstanding results with the people that have been using them. MaxGXL is the first Glutathione accelerator with a composition patent because of its unique effect and efficacy,

Search Engine Optimisation is how to get good rankings in the search engine. If you are wanting to markteing online then you would want to start promoting your personal business site now as it takes time to see results.  Contact us at HotFrog to receive free coaching on SEO and Internet Marketing today.

Top 100 Personal Finance Blogs – Ranked By Traffic

May 30th, 2009

[This post is written and copyrighted by FIRE Finance (http://firefinance.blogspot.com).]

Note: Please do not be misguided by this post’s date i.e. Sep 2007. We’ve published May 2009’s rankings at the same url as Sep 2007’s rankings. This will benefit those who had linked to this post since fresh monthly rankings will be available at the same url. Unfortunately Blogger does not allow static pages, so the past date (url) of this post will stay. But the content will be updated every month.

Updated on May 29, 2009: Welcome back to our rankings of personal finance (pf) blogs for May 2009 based on traffic data of April 2009. It requires a lot of hard and smart work to figure among the best personal finance blogs. Heartiest congratulations to all those who made it to our list of “Top 100 Personal Finance Blogs.” Our next ranking of PF Blogs will be released in August 2009.

As you may have noticed, there are some discrepancies in Quantcast and Compete’s results. This may be due to the fact that many sites have not implemented requisite trackers and plugins (details are here). It makes sense to go through with the implementations to make this game an even playing field.

The following tables show traffic rankings of individual and group personal finance blogs respectively based on monthly traffic data (Apr 2009) from corresponding sources.

TABLE’s LEGEND
» FIRE RANK: Overall Traffic Rank of a site
» BLOG: Name of the blog being ranked
» CHANGE: Change in FIRE RANK of a blog wrt previous month’s position
» SITEMETER: Traffic rank based on Sitemeter’s data
» QUANTCAST: Traffic rank based on Quantcast’s data
» COMPETE: Traffic rank based on Compete’s data
» SCORE: Average Traffic rank (Sitemeter, Quantcast, Compete)
» PAGE RANK: Google’s page rank for the blog
Rankings Methodology Raw Traffic Data Master List Notes
INDIVIDUAL PF BLOGS – RANKED

Last updated on Sun May 17 2009 05:49 PM EDT

FIRE RANK BLOG CHANGE SITEMETER QUANTCAST COMPETE SCORE PAGE RANK
1 MoneySavingMom - 1 1 1 1.0 5
2 GetRichSlowly - 3 2 2 2.3 6
3 TheSimpleDollar - 2 3 3 2.7 6
4 DealSeekingMom New 4 4 4.0 4
5 BluePrintForFinancialPros 1 6 5 5.5 3
6 CommonSenseWithMoney 6 5 7 9 7.0 5
6 MyMoneyBlog 2 8 6 7.0 5
7 FiveCentNickel 2 9 8 8.5 3
8 CouponCravings 4 4 16 7 9.0 5
9 MoneyBlueBook 3 10 10 10.0 5
10 BankDeals 3 5 17 11.0 3
11 FreeMoneyFinance 1 11 15 13.0 6
12 TheDigeratiLife 1 14 12 13.0 2
13 CashMoneyLife 4 13 14 13.5 3
14 MomAdvice - 19 11 15.0 3
15 SavingToInvest 8 15 16 15.5 4
16 ChristianPF 4 12 19 15.5 3
17 FrugalDad - 6 23 18 15.7 3
18 BeingFrugal - 7 21 22 16.7 3
19 TheSun’sFinancialDiary 3 17 20 18.5 3
20 GenerationXFinance 3 18 21 19.5 3
21 MoneyNing 5 12 30 26 22.7 4
22 AskMrCreditCard 6 10 39 24.5 4
23 MyTwoDollars 2 11 31 33 25.0 2
24 MoneySmartLife 9 24 28 26.0 2
25 MyDollarPlan 4 29 25 27.0 3
26 TheDoughRoller 3 26 29 27.5 3
27 BeingFrugalIsFabulous 11 15 32 37 28.0 3
28 LazyManAndMoney 6 25 34 29.5 3
29 DebtKid 3 37 23 30.0 4
30 MoneyMatter&MoreMusings - 20 40 30.0 3
30 Moolanomy 11 33 27 30.0 3
30 NotMadeOfMoney 10 28 32 30.0 3
30 PaidTwice 3 14 38 38 30.0 3
31 DividendGrowthInvestor 16 22 39 30.5 3
32 NoCreditNeeded 8 18 35 44 32.3 5
33 TheFinanceBuff 2 9 36 52 32.3 3
34 GatherLittleByLittle 7 16 46 42 34.7 3
35 FrugalUpstate 11 21 44 41 35.3 4
36 IWillTeachYouToBeRich 3 58 13 35.5 3
37 KeepingKingdomFirst 18 13 74 24 37.0 4
38 MoneyUnder30 3 41 35 38.0 5
39 EngineerADebtFreeLife 20 40 36 38.0 0
40 BloggingAwayDebt 8 34 43 38.5 3
40 MillionDollarJourney 3 27 50 38.5 3
41 BibleMoneyMatters 7 48 30 39.0 3
42 PTMoney 19 23 45 49 39.0 2
43 SingleGuyMoney - 41 41.0 4
44 FreeFromBroke 8 29 52 45 42.0 3
45 DontMessWithTaxes - 25 60 51 45.3 6
46 MyOpenWallet 3 24 43 70 45.7 3
47 LittlePeopleWealth 11 33 53 54 46.7 3
48 CleverDude 4 20 64 57 47.0 3
48 FrugalLawStudent 6 17 66 58 47.0 3
49 PunnyMoney 14 27 55 59 47.0 0
50 StopBuyingCrap 2 49 46 47.5 5
51 TheHappyRock 6 32 54 65 50.3 0
52 BargainBabe New 19 78 56 51.0 4
53 MrsMicah 7 50 55 52.5 2
54 SenseToSave 3 35 59 66 53.3 2
55 ThePiggyBanker 24 47 60 53.5 4
56 GiveMeBackMyFiveBucks 5 26 42 93 53.7 3
57 TheFrugalDuchess 22 37 72 54.5 5
58 ItsJustMoney 11 28 82 55.0 0
59 FIREFinance 6 34 65 67 55.3 3
59 GoodFinancialCents 6 22 81 63 55.3 3
60 PoorerThanYou 14 39 73 56.0 2
61 NoDebtPlan 3 30 62 77 56.3 2
62 MightyBargainHunter - 69 47 58.0 3
62 MyPersonalFinanceJourney 16 45 71 58.0 3
63 ExperimentsInFinance 5 8 108 64 60.0 3
64 ManVsDebt New 48 56 76 60.0 0
65 MoneyMusings 11 76 48 62.0 0
66 WellHeeled 6 63 63.0 5
67 HowISaveMoney 1 61 69 65.0 2
68 2millionBlog 12 70 62 66.0 3
69 UltimateMoneyBlog New 44 88 66.0 0
70 ThriftyFloridaMama 6 36 99 68 67.7 3
71 YetAnotherBlogAboutMoney 4 68 68.0 4
72 Pecuniarities 4 43 71 90 68.0 3
73 BudgetsAre$exy 23 31 113 61 68.3 4
74 TightFistedMiser 7 50 72 85 69.0 0
75 TheWanderingTaxPro 8 38 101 69.5 5
76 Neville’sFinancialBlog 5 67 75 71.0 3
77 Jim’sFinanceandInvestment 3 71 71.0 0
78 AlmostFrugal 8 90 53 71.5 3
79 TheFinanceJourney 15 42 75 100 72.3 0
80 MillionaireMommyNextDoor New 73 74 73.5 4
81 TheWisdomJournal 9 116 31 73.5 3
82 SavingsToolbox 12 58 91 83 77.3 3
83 Mapgirl’sFiscalChallenge 3 52 85 96 77.7 2
84 MoneyCrashers 52 78 78.0 3
85 BankBonuses 1 53 88 94 78.3 0
86 DinksFinance 13 68 89 78.5 6
87 MyFinancialJourney 6 40 118 79.0 0
88 MoneyEnergy New 80 80.0 2
89 ERollOver New 80 81 80.5 4
90 FinallyFrugal 4 61 100 80.5 3
91 AFrugalLivingBlog - 83 83.0 4
92 GettingFinancesDone - 59 107 83.0 0
93 TheBaglady 8 55 112 83.5 0
94 OneFrugalGirl 4 56 92 103 83.7 0
95 MakeLoveNotDebt 4 84 84 84.0 3
96 Caveman’sFinJourney New 54 57 142 84.3 0
97 TheFinancialBlogger 9 93 79 86.0 3
98 RetirementThink New 86 86.0 -1
99 FrugalHomemakerPlus 12 87 87.0 4
100 My1stMillionAt33 New 87 87.0 3

GROUP PF BLOGS – RANKED
Last updated on Sun May 17 2009 12:28 PM EDT

FIRE RANK BLOG CHANGE SITEMETER QUANTCAST COMPETE SCORE PAGE RANK
1 WiseBread - 1 1 1 1.0 4
2 FourPillars 2 2 3 2.5 2
3 ConsumerismCommentary - 4 2 3.0 5
4 PersonalFinanceAdvice 2 3 3.0 3
5 AllFinancialMaters - 5 4 4.5 5
6 Queercents - 2 6 8 5.3 3
7 SoundMoneyTips 4 8 6 7.0 5
8 AmericanConsumerNews - 9 5 7.0 3
8 DebtFree 1 3 11 7.0 3
9 SmartMoneyDaily 1 7 9 8.0 0
10 CreditBloggers 1 10 7 8.5 5
11 TheDiv-Net 1 4 12 10 8.7 3

Request
If your blog is not listed, please check if it’s in the master list of all PF blogs. Your site’s presence in the master list means that it has been considered for the rankings. However if your blog pertains solely to investing then it will be listed in a separate set of rankings for investing blogs. Else, please leave a comment or email us with the following:
  • blog url
  • google page rank
  • sitemeter traffic url (if any)
  • your contact email id (so that we may notify you when this list is updated)

If you provide us with proper information, we will include your blog in our next publication of rankings. Provided that your blog’s traffic data (Quantcast/Sitemeter/Compete) exists, and is 2000 or more. Please do not feel sad if your site did not make it to this month’s rankings. This set of rankings will be updated regularly. So new blogs will get an opportunity to be ranked every month.

Already in the master list?
To help us serve you more efficiently, for those of you who are already in the master list please let us know if any of the following takes place:

  • you have added a new tracker (Sitemeter/Quantcast/Compete)
  • you have removed one of the trackers (Sitemeter/Quantcast/Compete)
  • you have made your sitemeter data public (from private).
If our site interests you, please extend your support by subscribing to our feed. This will help us deliver our stories to your feed reader where you can read it with pleasure in your own sweet leisure.

We hope you enjoyed this post. Our heartfelt thanks to the pf blogosphere’s active community for their honest feedback. We will continue to improve the rankings with your participation. This list belongs to the community and will help us all improve, one creative post at a time. So joyfully we bid adieu till the next update!

Previous Rankings:

  • 2009 – Mar, Feb, Jan
  • 2008 – Oct, Sep, Jul, May, Apr, Mar , Feb , Jan
  • 2007 – Nov, Oct, Sep

Image Source(s): iStockPhoto

Best of May 2009 and Random Information

May 28th, 2009

One of the best ways of keeping track of content at Everyday Finance is through RSS subscription. By subscribing to the EverydayFinance RSS with feed-reading software such as Google Reader or aggregators such as My Yahoo/iGoogle, you’ll get immediate feeds you can view in a large window just like this:



You can also follow my new blog for sophisticated investors and market commentary at via RSS at Darwin’s Finance.

Best of May

Here are my Top 10 Most Popular Articles from the month to help you save money, make better investments or just vent!

40 Year Mortgages – No Wait, 50 and 60 year as well!

The Riskiest ETFs on Earth – 3X Sector ETF Short/Long

10 Ways to be Annoying at Work and Ruin your Career

Start Investing Today: An Amazing Comparison of 25 vs 35 Year Old Starters

Start an Investment Club: How To, Rules and Reality Checks

4 Triple Digit Return Small Caps to Watch

Savings Tips Consumer Reports Style

New Discover Current Card – Like Spying on Your Kids?

Sucker’s Rally: For 34% since March, Call Me a Sucker!

How to Save Money with a Contractor – Patio Example

What Else is New?

Make sure to stop by and visit the latest sponsor Short-Stocks.com. In this market, having some short positions is certainly a great way to soften the blow. While I’m net long, I always employ some similar approaches myself to the real time trades Short-Stocks is offering.

Performance at both blogs continues to be great. Traffic is steadily increasing at Darwin’s Finance especially and the opportunities for collaboration and new ideas are endless. Unfortunately, I’m limited by time primarily, so the growth rate in new content and ideas is a bit more restrained than I’d desire.


Any feedback on either site, ideas for future posts or anything else on your mind is much appreciated; leave a comment!

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Best of May 2009 and Random Information