Rich Jerk Review

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Stop Wasting Your Money on Useless eBooks Including the Rich Jerk's eBook!

It's not your fault you haven't become successful online yet...

The so called "Gurus" blatantly lie to you so that you will 

continue to buy their re-hashed eBooks & Programs!

Seriously think about this for a moment, do you really expect that you can just plunk down a few lousy dollars on some Re-Hashed eBook and begin raking in hordes of cash with your new found knowledge? That's like thinking that you can become a World Class Chef by simply reading a Cook Book... Not Gonna Happen... You Need In-depth Personal Training!

Click Here to See How I Learned to Make 

$400-$500/Day and You Can Too... 100% Free!

I bought the Rich Jerk's book and was very disappointed, here's why...

I first came across the Rich Jerk's website back in 2004 while I was searching for ways to make money online and as much as I hate to admit it, I fell for it Hook Line and Sinker! ( or should I say... STINKER! ).

I plunked down my Money, downloaded his ebook and spent most of the weekend devouring

all the information. He told me how I could make a fortune by using just a few of his amazing strategies and how after a few months I’d be sitting pool-side counting my Mountain of Cash. 

Well guess what?... I eagerly began to implement his strategies and slowly found myself forking out more and more money until I had coughed up over $500.00 in marketing expenses, and yet I never made a dime.

The problem with the Rich Jerk ebook (and every other ebook I have read), is that they only provide you with a very basic understanding of Internet Marketing but never really take you Step-by-Step through the maze of obstacles that you will inevitably encounter and so you end up losing a pile of money like I did.

Here's what's inside the Rich Jerk's book...

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• 10 techniques to create an affiliate website (this was written for the seriously advanced marketer,  a Newbie would be totally lost!)

• How to make money generating leads for dozens of other online companies (More techniques for advanced marketers only)

• Why your sales letters suck and how to make them convert like his do (It's all about putting a new slant on the typical sales letter, such as INSULTING people like he does)

• How to beat the competition on Adwords, and pay less than them (This section is seriously outdated and completely useless, adwords has changed their rules since then)

• How to make sure your Adsense Ads receive a 20% clickthrough rate (This is Very basic information, Google gives you this info for free in your adsense account)

• How to earn an average of $1.00 or more from every person that visits your websites (He's telling you to place other peoples banner ads on your site and charge them for it, but unless your website is getting THOUSANDS of visitors per day, nobody will pay you to advertise on it... Period!)

• How to convince visitors to join your mailing list (Be prepared to spend money on this strategy, you will need to sign up to an auto-responder service)

• How to attain and maintain a # 1 listing in the search engines (Nobody can make this guarantee... This chapter is absolutely DEAD WRONG!)

• How to get massive link popularity with very little effort (link popularity such as what he teaches here is now completely useless when it comes to Google and it will get your website banned... I can't believe that he would even suggest this strategy)

• How to use BLACK HAT search engine optimization strategies to your advantage (Very, Very Risky... Once again, you will eventually get your website banned)

• How to make  your very own profitable e-products in only 2 days (The only way to accomplish this would be to out-source the work, which would be very costly)

• How to get those all important "super affiliates" to start promoting your site above all the others (You better have one hell of a product if you ever expect this to happen)

• How to create instant, search engine friendly content about subjects you are unfamiliar with (More sneaky and risky strategies, he suggests that you steal content from other websites... This is totally unethical and will definitely get your site banned)

• How to start and operate your very own eBay Powerseller business.  (He makes this sound much easier than it really is, I worked on this for over 6 months and never made it happen)

• Where to buy wholesale products that are "Red hot" for the lowest possible price. List of his  own personal sources not found anywhere else. You can resell on eBay, drop-shipping available. (I shutter to think that some people might actually take his advise on this... This is a very dangerous game to play and could cost you your life's savings)

• Websites you can create immediately that can instantly generate profits (The search engines have all gotten wise to these software generated websites and therefore they no longer rank well... Totally useless)

• Examples of his current and former websites that have supposedly made him millions(This was the only Interesting part of the book... assuming it was true!) 

• Free ebook updates for the rest of your life (I've owned it for many years and have never had a single update... which goes to prove how outdated his material is)

• Access to a private members only forum, exclusively for Rich Jerk users to share their ideas. (You will quickly get banned like I did, if you say anything negative about his eBook)

• The Rich Jerk's staff will create a website for you, already optimized to make you money(He makes the exact same website for everyone, the chances of a "COOKIE CUTTER WEBSITE" ever ranking well on the search engines are a BIG FAT ZERO! Plus you will be forced to pay HOSTING FEES through the Rich Jerk's Hosting Partner... That's how he makes more money from you!) 

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Estimates say that 100 to 150 million people are now online. That's quite a customer base that you can access from your home with a few taps on your mouse. If you had your own online business, that is.

It's easy for anyone to have a global presence today thanks to the Internet. You can have a small start-up company and be accessed as easily as IBM or Sprint. Many feel the Internet is the greatest invention of the 20th century because it has the capacity to link all of us around the world. It's a force that we all can use and benefit from in our personal and professional lives.

Experts predict that online commerce or electronic commerce--e-Commerce, for short--will become a $3.2 trillion industry by the year 2004. It's a figure that is no longer unfathomable when we consider that right now Dell Computers makes $7 million a day from online sales!

Thanks to the Internet and a neat commodity called the "website" anyone can have an "electronic storefront." Retailing is referred to a "e-tailing" on the Internet. We normally think of stores and shopping malls constructed of "brick and mortar." Internet jargon calls these electronic storefronts "click and mortar" businesses.

If you are tired of hearing about all the Ernie and Ernestine Entrepreneurs making a million dollars from home with an online business and you're frustrated because you don't know how to get started, look no further.

There are many ways you can make money online. You can sell a product or service from your website, you can set-up net affiliations and make commissions from sales on the products of others, you can become a service provider, you can offer special services to online businesses and customers, you can create an online ad agency, you can...well, the possibilities are limitless and we'll introduce you to tried and true opportunities.

Want to start an online business but have no idea where to begin?!? We offer this crash course on the Internet. This feature will help demystify the Internet for you and take you on a step-by-step journey of how to establish an online enterprise. (You'll even learn how to make $1000 a month while you sleep!)

After reading this feature you'll know how to purchase a computer, get online, start a business, take credit card orders and click your way to a hopeful fortune.

When Jeff Bezos conceptualized what to sell online to create Amazon.com, he figured he should sell something that is easy to pack and ship. Books were his ticket. Thanks to the success of his online enterprise, more and more individuals are learning they can do it, too. They might not duplicate the victories of Amazon.com, but they are learning ways to pocket an extra $1000 to $50,000 a month with an online venture.

If you plan to sell a product online, look for something that is simple to pack and inexpensive to ship. Products such as hardware, jewelry, even apparel, might not be as easy to sell online as they are in a brick and mortar shop where customers can touch, feel and try them on for size.

How It All Began

It was the U.S. Department of Defense that is responsible for creating "the Internet." In the early seventies, the Advanced Research Project Agency (ARPA) was responsible for creating an information network to transport data. First known as ARPANET, the goal was to enable different computer systems to share information and data. Because of security concerns, the U.S. Department of Defense wanted no central hub so that if one part of the system was destroyed, the network would continue to transport data and info.



Research facilities began to use ARPANET to send messages (e-mail) to communicate ideas and resources. These early messages contained no graphics or color. There was no graphical user interface. Eventually, Mosaic was created by the National Center for Supercomputing Applications and the World Wide Web was born. The World Wide Web, also referred to as the Web, is a graphical interface for the Internet that is composed of hyperlinks. These hyperlinks are graphics or different-colored text that contain programming instructions that provide the connection to the next site.

The Internet and the World Wide Web are not synonymous. The Web is only a portion of the Internet. According to web expert, D.A. Smith-Hemphill author of CyberAssistant (AMACOM, $19.95), "Think of the Web as a large group of filing cabinets with drawers full of documents. Imagine that you go to the cabinet, pull out a document, and start to read it. In the first sentence you see a word you need defined, so you put down the piece of paper and start to look around for a dictionary. When you find the dictionary, you open it, search for the word, and finally get the definition.

"Scientists were able to put a 'tag' of text within your document so that when you got to that word, you could click on it and the dictionary would be brought to you with the page open and the correct definition highlighted.

"The Web is made up of documents that are connected by these tags. By using a Web browser, you see the tags as hyperlinks and make use of their connections," explains Smith-Hemphill.

We click and bounce along the Web thanks to these hyperlinks. When clicked with a mouse they automatically open another file for viewing. The Web is made up of millions of documents written in Hypertext Markup Language (HTML).

When information is sent along the Internet, there is not a direct link between its users. When a message is sent, it is split into small pieces called "packets." Each of these packets contains a small portion of the entire message, as well as information about the person who sent the message as well as the recipient, and the message as well.

The small packets might even take different routes. When the packets get to their destinations, they re-group and become a single message once again. This is in keeping with the guidelines established by the Department of Defense so that messages could not be read or deciphered.

When messages are sent over the Internet they are encrypted and de-encrypted when they arrive at their destination. That is why so many consumers find it perfectly safe to shop over the net and offer sensitive information such as credit card numbers, addresses and phone numbers.

Thanks to advances in the 1990s--inexpensive PCs, higher speed modems, browsers like Microsoft Explorer and Netscape, and easy-to-remember web domain names, the Internet is accessible and affordable to many. It is possible for start-up entrepreneurs to have a huge web presence to sell products and services and get their name around the globe. The size and the location of your small business is irrelevant thanks to the Internet.

Step 1: Get A Computer

You need a computer to start your online business. Should you buy an Apple or a PC? Many find the Apple's operating system easier to use than a Personal Computer. An Apple or a Mac is compatible with a smaller base of computers. Mac users also have a smaller selection of software from which to choose. More than 80% of corporate America relies on the PC so that could influence your buying decision.

The PC is used by more people and has a greater selection of software. Consult with your friends and ask them if you can try their Mac or PC. Visit dealers. Hewlett-Packard, SONY, Dell, Compaq, IBM are all PC brands. Macintosh and Apple are viewed as one in the same.

You can purchase a computer in a store or through mail order or the Internet. You can buy systems today for less than $1000 but they often are attached to rebates, Internet service provider offers and the lower priced models deliver less in terms of memory and modem speed. Call Dell (800-999-3355) and Gateway (800-846-4208) and request their mail order catalogs to familiarize yourself with technology and deals. Visit computer stores in your area and attempt to pick the brains of the staff.

When PC shopping, many computers are referred to by their processor's part number, such as 386 or a 486. Then the Pentium chip came along and many feature the Pentium, Pentium II or Pentium III. Some computer users today are still relying on a 486, but most have upgraded to a Pentium chip. One of Intel's Pentium versions is called "Celeron" and it is just an excellent option for your net needs.

You'll be buying Windows 98 if you purchase a PC and you'll think of it as your main software. You'll also need a monitor, a keyboard and a printer. Most PCs today come with built-in (internal) modems and CD-ROM drives.

Memory and Speed are two words to remember when computer shopping. You'll want to buy as much memory as you can afford. You should look for 128MB (mega-bytes) of Random access memory (RAM). This should be adequate, but buy more if your budget permits.

To become connected to the Internet you'll need a modem that will connect you. The modem enables you to "talk" to the Internet. Modem speed is measured in bits per second (bps) or the number of units of data that pass a certain point in one second of time. The fastest modem around are advertised as "56K" or 56,000bps. Another option is an Integrated Services Digital Network (ISDN) adapter, which is a kind of a digital modem. ISDN service might be available from your local phone company, but it will cost more. In some regions of the U.S. computer owners can use a TV cable system or a satellite hookup but it is costly.

Step # 2: Select An Internet Service Provider/Online Service

Now that you have a computer, you'll need to select an Internet Service Provider or subscribe to an online service to get access to the Internet.

An Internet Service Provider (ISP) will offer you Internet access in exchange for a monthly or hourly usage fee. They often will give you a discount if you pay your fee in one annual installment. Fees vary greatly from one ISP to another. Make sure you investigate the options and that you have ISP access with a local phone call. Otherwise, you will be paying costly long distance rates just to get online access. The company will send you software, that you'll load in your CD-ROM to get set up with their service. They often provide telephone help lines, too.

Online Services try and make the Internet more user-friendly. They are CompuServe, Prodigy and America Online (AOL). The process is simple and it basically installs itself. Online services charge a fee just like the ISP and that fee will include access to special content such as AOL bulletin boards, forums and discussion groups.

Many beginners choose online services because they receive a free software package and a free trial service run. Whichever you choose, ask the following questions: How long have you been in business (ISPs) ? Do you offer additional services such as e-mail or a personal web page? What are the dialing charges? What speed connection is available with your service? Do you offer a help line? Are there any additional charges?

Whichever you choose, guard your password and change it frequently if you feel its privacy has been jeopardized.

Step # 3: Choose A Web Browser

A browser is your personal limousine. You tell it where you want to go and it will take you there. The two most popular browsers are Netscape Navigator and Microsoft Internet Explorer. You can download the browser you are not using to compare features. Visit www.microsoft.com/ie for Internet Explorer andwww.netscape.com/download for Navigator.

Your browser can help you organize your navigation of the net, too. For example, if you have Netscape Navigator you will have access to "Bookmarks." These bookmarks "mark" your favorite site and store them in a menu. It is therefore very easy to access your favorite websites at a click.

In Internet Explorer, the marking feature is referred to as "Favorites."

For more information on their browser services, visit www.netscape.com for Navigator and visitwww.microsoft.com for info on Internet Explorer.


Step #4: Get An E-Mail Address

Both Microsoft Internet Explorer and the Netscape Communicator browser suites include e-mail programs. Microsoft's program is called Outlook Express and Netscape's is called Messenger. If you have America Online as your online service, you will receive an e-mail address. If you leave AOL your e-mail address will change, because it is fashioned after their "my-email" address program.

There are a number of Internet-based e-mail services that can easily help you generate an e-mail address that will allow you to send and receive e-mail from any computer with access to the Web. If you're traveling, it will be a cinch to check in with your e-mail.

The big ones that offer this e-mail service are:

www.bigfoot.com
mail.yahoo.com
www.hotmail.com (owned by Microsoft)
www.juno.com
www.usa.net

Step # 5: Find What You Need

You'll be using "search engines" to locate the information and specific documents you need. You just type in your query and you'll be given a list of sites to check out and explore. Often it is appropriate to conduct more than one search, using several different search engines. This referencing several options will ensure that you'll find the most information on the topic you need to research.

The search engine is made up of a large database that organizes the content of web pages; the engine is software that uses the keywords you provide to find and match results. The search engine sends software robots affectionately known as worms, spiders, webcrawlers and wanderers out on the Web to find new things and bring them back into the search engine database.

Here are some of the most popular search engines. Some are more sophisticated, specific, limiting or in-depth than others. They are:

www.altavista.com
www.excite.com
www.hotbot.com
www.infoseek.com
www.lycos.com
www.yahoo.com

Directories will also help you locate information you need. They work similar to organized phone directories such as the Yellow Pages. You type in the topic you are interested in finding more about, and a list of relevant sites will appear.

The largest Internet directory is Yahoo! By the way it doesn't mean "Golly gee, Yahoo, I finally found it!" It means "Yet Another Hierarchical Officious Oracle." Go to www.yahoo.com and you'll discover lots of humor and information.

Other directories are:

www.netguide.com
www.einet.net
www.webcrawler.com
www.magellan.excite.com
www.excite.com
www.windweaver.com

To find people, try the following phone/address books:

www.bigyellow.com
www.bigbook.com
www.switchboard.com
www.yellow.com
www.worldpages.com
www.infospace.com
www.theultimates.com/white/


You can search for e-mail addresses via these directories:

www.four11.com
www.whowhere.com
www.bigfoot.com
www.iaf.net

Step #6:Map Out Your Website:

There are so many ways to get your website up and running. You can design it yourself with the help of one of the many hundreds of website design software programs, you can hire a web designer/developer to create and/or maintain your site, or you can take advantage of some of the many free website packages out there (with these, you might have to include a banner ad from a company that is in effect running advertisements all over your website).

Many businesses choose to hire a web designer/developer to create the look and feel of a Fortune 500 website. If you do work with a web designer, check their references to make sure they can provide what they promise. Make sure you maintain ownership of your website and that they won't try and draw a commission from the products/services you sell on your website. Read the fine print and get recommendations from non-competitive companies who have websites that you like. Write a contract for the web designer and use the words "work made for hire." This will ensure that you are hiring the web designer to create work for you and that you own whatever is created in the process.

It is also important to determine whether or not the web designer you've hired will maintain and update your site. Make sure you understand the particulars such as timing and frequency of updates. Termination, confidentiality and pricing schedules should all be spelled out before any work begins or ideas are exchanged.

If you are a do-it-yourselfer, don't be dismayed. Check out software programs and do investigate free websites such as the one from www.websiteforfree.com. See what these companies have to offer.

If you have Netscape Navigator, visit their Site Maker section for assistance on creating your own customized website for your small business.

Website Hosting:

Where will your website be placed? A hosting service will make sure your website is connected to the Internet so that potential customers can find and access your site.

The website hosting service will charge you a monthly, quarterly or annual fee and should offer great customer service and a fast connection to the Internet in the process.

The hosting services will charge you a one time fee (about $50-$100) to set up your service and a monthly fee ranging from $20 to $50 to keep the website out there. In exchange for this they will sell you about 50-60 megabytes of storage space and that is enough for a basic website. That's more than 8500 pages of text.

You can visit www.webhostlist.com for a comprehensive directory of site hosting services that range from your basic one-man operation website to the websites of mega-giant conglomerates.

Here are a few others you can consider:

www.digiweb.com
www.hiway.com
www.hospro.com

Ask if the hosting service will provide you with an account of weekly or monthly tracking data of your customers and visitors. Also, determine how difficult it will be to make changes on your site, once it is up and running. You'll want to make sure your connections are fast and that your potential customers don't have to wait too long for information on your website to be accessed. Ask your potential hosting service about bandwidth, the size of the electronic pipeline through which information flows in and out of your website. The higher the bandwidth, the faster your site will operate and sustain viewer interest.

Discuss termination policies, too, in case you want to change your hosting service.

Lastly, talk to your potential hosting service about security. User data and credit card numbers must be kept secure. Make sure the hosting service you are considering has a policy of respecting and protecting your data.

Step # 7: Choosing A Domain Name For Your Site:

A domain name is the text version of the IP (Internet Protocol) numerical addresses that are assigned to every computer hooked up to the Internet. Domain names are useful as they are usually very easy to remember. For example, the domain name for Small Business Opportunities magazine is www.sbomag.com.

You can use your company name, product or special attribute in your domain name to keep it catchy and memorable for the consumer.

Network Solutions is the company that registers the domain name and you'll need to do this to finalize your agreement with the hosting service you've selected. It cost about $70 for the first two-year period and $35 a year after that. Your hosting service should do this as part of your agreement, but if you have negotiated that you will handle it yourself, visit www.networkssolutions.com and do-it-yourself.

You can choose either the ".com" at the end of your domain name or the ".net"; organizations take ".org" and there are some companies that have their domain name registered with all three endings.

Choose a name that you will like because you are going to be using it a lot on stationery, letterhead, business cards, your car or van, pens, caps and t-shirts.

Just as you should be careful to choose a name that can grow with your business, choose a domain name that won't limit you to the one product that you sell at this point in time. Yes, you sell evergreens through your website, but what if you decide to add groundcovers? Rather than trying to use www.evergreens.com try something that incorporates avidgardener.com. With a domain name that can be stretched, you can incorporate more products in the future.

Choose a name that is very easy to spell or it can be very frustrating for your customers to find you. Keep it short and simple. Try not to use a lot of dashes, hyphens, and slashes as it makes the domain name harder to read.

Choose a name for today and tomorrow and you'll be a happier online entrepreneur. Once your company is established, it is virtually impossible to change your domain name. If you can't come up with a good domain name (or so you think), visit www.unclaimeddomains.com and they will offer you a list of at least 250,000 unclaimed names for about $30.

Step #8: Review Website Design Software:

If you are going to design your own website, you'll need to purchase some website design software. Don't panic. You won't need to learn HTML (Hypertext Markup Language) to create your own website. You won't need to learn any programming. There are four features in the website design software you'll want to have:

1. Universal CompatibilityThis means your page(s) will be able to work with anyone's browser.
   
2. Visual Page DesignOften called WYSIWYG (What You See Is What You Get), which signals that whatever you see on your screen is exactly what a visitor will see on their computer monitor. This is also referred to as pixel-point accuracy.
   
3. Design TemplatesThese are professionally designed helpers consisting of banners, buttons and other "bells and whistles" to give your site a good look instantly.
   
4. Site ManagementThis tool makes it simpler to you to organize your website and view it like a company's organizational chart if you so desire. It will help you put your homepage first and keep the subsequent material/pages looking neat and organized.

You can purchase good website design software for less than $300 and the prices are dropping all the time. Consider what the following have to offer in terms of software programs:

www.macromedia.com/software/dreamweaver
www.adobe.com/prodindex/golive/main.html
www.netobjects.com/products.html/nf4.html

After you have created your new website you will copy the file and transfer it to your hosting service using FTP programs (File Transfer Protocol). With the programs mentioned above, FTP is built right into your design software. You just push a button to copy and transfer your site.


Step #9: Design Your Site:

In starting to design your site, visit some experts and professionals who make a living out of website design. The Site For Site Builders is www.builder.com. Builder.com contains a lot of good information on what you should include to help you develop a great site. It also contains tutorial information for the novice web designer.

Also review the information and graphics at www.developer.com. It contains lots of technical information and even has a lot of tools you can download. It is more of a techie self-help site.

Upbeat and fun is www.hotwired.com/webmonkey.

Another place to stop and view is www.sitelaunch.net. Sitelaunch will help you develop a checklist to get your website designed and launched. The website offers free add-ons, too.

If you want to review some up-to-the-minute splashy sites, visit webdesign.about.com. Updated regularly, it will help you get going, too.

You might have heard of Dmitry Kirsanow, the Russian website designer. Visit www.webreference.com/dlab. for the latest from St. Petersburg.

For users of NetObjects Fusion design software there is www.efuse.com that features the latest screens from Fusion software.

The website for webmasters, www.brainfind.com, might inspire you in creating your website.

There are plenty of free clipart services available if you should want to include bullets, balls, lines, buttons and more. One such site is www.aaaclipart.com. We advise against using these standardized graphics, however, as you never know where else you will see the images.

It's important to spend time surfing to view as many websites as you can before you start creating your own. Map it out on paper. Make it simple, accessible, quick, bright and easy to use. This is the way to keep customers coming back to your website.

Including FAQ

Include a section on Frequently Asked Questions about your small business. This will help you deflect e-mails on a wide variety of topics. Visit other websites to see how companies handle their FAQ section.

If you want to add free features to your site, go to the following websites that will let you download free trivia games, special effects and other features:

www.uproar.com/webdevelopers/intro.htmlwww.dynamicdrive.comwww.pollit.com
If you would like assistance on fine-tuning your website, you can visit several websites that will help you tune up your own web presence. GIF Lube tool will visit your site and compress your graphics once a month. This will create faster download time so your customers won't get bored trying to access your site. It costs $10. See www.websitegarage.com.

NetMechanic will check out your website and clean up your graphics. Visit www.netmechanic.com for more information.


Step # 10: Making Money From Net Affiliations:

This is a neat concept. You establish a website and provide "links" to other websites. Every time an online user visits your site and then jumps to another website because of your link, and then purchases a product from that link, you receive a commission. This is how to make $1000 a month while you sleep!

Believe it or not, there are individuals out there who have established websites that only consists of links to other websites. We know of one individuals who makes $250,000 from the linked website concept. He basically makes money while doing absolutely nothing (except maintaining his site and keeping it lively).

These are called "online affiliate programs" or "partner programs" or "associate programs." Even if you have a website where you are selling your own goods, consider adding a few links that could keep you in the green while waiting for your own products to sell.

The beauty of the online affiliate program is that you don't need to actually take the orders, you don't have to collect payment, track inventory or ship anything. You don't even need a customer service department. Just sit back and the commission will be sent to you.
The commissions range from 5% to 25% and you are paid on a monthly basis.

If this idea excites you, visit the companies that are eager to have you create a link to their website:

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, it’s not doom and gloom but I believe a reality , I’m a business to business telecoms broker I’m seeing every type of business imaginable and can’t find any of them that are not happy or on the verge of going bust not my imagination but a reality the real rot is yet to come from the credit crunch and I think it’s going to be worse than it was initially as it was mostly the banks & finance that got   hit in the first wave , don’t I know it as I was a bad credit mortgage broker . Now it’s going to hit everyone else the banks are on their way up with our money and a lending policy like steel. The one to watch out for is the UK property market I’ve been saying to my Mrs since the crash prices would reset to pre boom over 12 years ago , they need to get to 3.5 times average income to stabilize so average house price currently greater London 3 bed 165-180 is , my theory would mean £105 average property price. Currently most people or no one would take that for their property unless they were absolutely desperate to and there lies the issue, I know 8 people selling their house even had the Sold sign on the board 8 months later no completion, chain collapsed due to finance issue somewhere in Chain usually the first time buyer end . First time buyer needs 25 percent plus deposit not easy for a first time buyer , then they have to have credit history like the virgin Mary , not just good credit but perfect credit voters role etc etc , history of other facilities etc and some luck to boot . How do I know this you say? Well as a mortgage broker previously I know a lot of mortgage brokers, I know some that were big and worth millions and some that are small. Other than the ones who dealt with the city high-flyers, not one of them is making any money, I mean no money, and one guy I know was making 100k a month profit he is struggling to do £1500. What everyone else sees is house prices holding, if you are a seller or a mortgage broker you see the truth a false market, you want £200k as it was worth in the boom, you will get offered 30-40k less from a serious buyer with funds or get your price from a buyer who needs to mortgage their property up to the hilt. Take the serious buyer with funds at least you’ve sold your property , take the one who needs to get the mortgage or has someone in the chain who needs a big mortgage and  unless you get lucky you get the problem 8 months chain collapses .

factor in the Muppets who got carried away at the top of the boom who cannot sell less than top of the boom prices and you have stalemate some ones got to lose to break the cycle , currently no one’s going to put there selves forward .

Okay I hope I’m wrong as it not going to be good but I’m totally convinced this will happen along with 75% of the economists who deal in this. So summery don’t invest in property now unless you can shave of 40% of the asking price minimum

But leave it alone only the seriously rich win in this market, Alan Sugar having it off doing large property deals at silly prices, the power of liquid wealth.

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Teen Sexting Law May Bypass Porn Charges

New York lawmakers are proposing a law that would treat teens who send sexually explicit images as misinformed rather than criminal, in an effort to undo unintended consequences of anti-child pornography laws.

The law would give judges discretion to send teen sexters to an “educational reform program” if prosecutors determine that the sender didn’t intend to commit a crime. It’s meant as an escape valve for kids caught up in legal proceedings designed to punish child pornographers and sexual predators.

Under current laws in many states, a girl who sends a topless photo of herself to her boyfriend could be prosecuted for making and distributing child pornography. She could also be listed in sex offender databases. In 2009, six Pennsylvania teens were prosecuted on child porn charges for sexting.

"There are too many kids who are getting themselves into serious trouble for adolescent behavior," said Alan Maisel, a Democratic state assemblyman and co-sponsor of the bill. "I don't know if they should be tainted with this evil brush for the rest of their lives."

The educational program defined by the law would outline both the potential legal consequences and the social pitfalls of sharing sexually explicit images.

A number of other states have passed or are considering similar legislation, perhaps an acknowledgment that laws have not been able to keep up with the increasing social complexities of mobile technology.

A 2009 survey conducted by Cox Communications found that one in five teens have sent, received or forwarded explicit images of peers. Sixty percent of those surveyed said they’d sent the photos to a boyfriend or girlfriend.

How to Make Money with Free Online Surveys , how to work hard and make nothing

You can make a little extra cash in your spare time by taking online surveys. Companies who want to know what’s on the minds of their customers are willing to pay for your opinion. Online surveys won’t make you rich, and won’t allow you to quit your day job, but you can make a little extra cash while engaging in a fun hobby.




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Fill out the screener surveys. Many survey companies offer screener surveys when you register, which usually don't pay. But it's worth the little extra time it takes to fill these surveys out, because the more demographic information the market research companies have about you, the more targeted surveys they can send you.

Check your email for survey opportunities. The companies you signed up with in step 1 will send you survey requests – some more often than others.






Check your email for survey opportunities. The companies you signed up with in step 1 will send you survey requests – some more often than others.

Earn a little extra money. When you take the surveys, the company will specify what you’ll receive as payment. Many companies pay in cash. Some offer prizes or products. Many companies let you accrue points which you can trade in for cash or prizes.

PANTY STORY # 1

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My real weakness is seeing and touching a woman wearing full cut, white nylon panties. It goes back to when I was just a kid, when I was in the hospital for a short stay with the flu. Late one evening when I had been asleep for hours, a very pretty young nurse came into my room to check on me and my roomate. She didn't realize that I woke up because I kept my eyes closed most of the way, and got to see her slip out of her dress and give herself a quick sponge bath. She was wearing beautiful white nylon briefs over her basic white garter belt. She slipped her thumbs into the waistband and skinned them down and off, she wiped her brown pubis with the washrag and dried herself with the panties, dropping them behind her on the floor.
Out of the pocket of her uniform she pulled out another pair of white panties and pulled them on over the garterbelt and seamed white stockings, carefully adjusting the elastic bands so they would be flat. Over her head came the uniform, and she carefully closed it and put on her cap. (I'm dating myself here for sure!)
Just then the door opened and another heavier, older nurse came in and told her she was needed down the hall, and that she would finish checking on us here. At the young nurses feet was the slightly damp pair of panties, and she quickly kicked them backward along the smooth tile floor where they came to rest under the visitor's chair in the corner.
Nurse #2 looked at our charts, covered us up and went off to other chores. I realized that I had grown the largest hardon of my life after having seen my first naked woman. The sight of her lifting up her uniform and standing in the dim light wearing white stockings, bra and nylon briefs was burned deeply into my brain where it remains to this day as a regular fantasy.
After some time passed, I got up to go to the bathroom and saw white under the chair. Stooping down, I grabbed the nylon panties and quickly stuffed them into my shorts, went into the bathroom on shakey legs and closed the door for privacy.
I examined the panties carefully in the full light of the bathroom, touching the smooth fabric, rubbing it against my cheek, and reading the label along the side seam. I still remember it to this day; "Van Raalte - Sheerios, size six." Later I would find out that they were quite expensive, not like the cheap ones I'd later take from the local Woolworth's downtown.
The nylon fabric covered the elastic waistband, and there was a small band of see through lace at the front of the leg openings. The fabric was very fine, soft white nylon, but not the cheap course see-through stuff I'd grow to dislike later on; I could make out my hand through it in the bathroom light.
The double fabric of the crotch panel (gusset I'd learn later on) was only nylon, as adding cotton on the inside would come some years later. It was vaguely damp on my cheek, and I passed the panties under my flaired nostrils to test them.
Her perfume was mingled with a much more basic, scent which caused my penis to rise instantly to attention. Amazed at the response, I looked more carefully at the inside of the gusset, realizing that her pussy had been cradled against the smooth fabric and had left its unique mark there.
In that strong light, I could see a faint yellowish stain and further back on the gusset the dampness started. No color here and a slightly astringant smell, different from that one in front. [Later on, I'd begin to figure out more about this; that my nurse had probably slipped away with someone (doctor, tech?) earlier for a quickie, and after becoming uncomfortable with his leakage, popped into my room to clean up and change her panties.]
My hardon was raging now and instinctively I reached down to releive it, forgetting I had the panties in my right hand too. The touch of cool, smooth nylon against my frenulum caused a bolt of electricity to course down my spine. I softly rubbed the panties against my whole shaft and quickly came on the floor in front of the toilet. Confused by this new experience, I cleaned up the floor, flushed and went back to my bed; panties pushed into the front of my shorts. When I woke up, I realized that I had another erection, and went into the bathroom to pee. Reaching into my shorts, I felt the nylon panties, and examined them again. The crotch where it had been damp was crusty and firm where my nurse's leaking semen had dried.
I had to releive myself again with the panties, and thus started a life-long love affair with full cut, white nylon panties. I did see my nurse later that next night, my last at the hospital, and she took care of things in my room with cool professionalism. I on the other hand had a hardon the entire time she was in the room, and when she bent over to tuck in the sheets on my roommate's bed, I grew faint at the sight of her stocking tops attached to garter clips.
When she came to my bed, I flushed with embarrassment that she could see the tent I made in the bedding. Probably not noticing, she tidied up my bed, put a cool hand on my forhead to test my temperature and made some notes on my clipboard. As she stood with her back towards me at the end of the bed, I could make out the faint outline of her panties against her thighs and ass.
I could see the ridge where the double crotch fabric met the back of the panties, and I fantisized about how they looked against her pale skin last night. As she turned to leave, I caught her glancing toward the chair in the corner, and she even bent down a bit to check for the trophy I'd claimed earlier.
A slight shrug, and she left my life forever, but not my fantasies.
I know many men have a thing for nurses, and I do understand that, but my fantasy has a basis in fact. My fetish was born in a hospital; brought to life by a most beautiful healthcare worker, and is maintained by occasional sightings of white dresses, or white stockings or most of all full cut, white nylon panties.
Since then, I have bought them, "borrowed" them from hampers, taken them from dryers in the laundromat, and as a kid, stolen them from the store. None have ever been as sweet as the first pair. I have searched stores everywhere for the brand to no avail. Sadly they have probably gone out of business or been bought out by a competitor. But Vanity Fair stills makes a very high quality nylon brief, but the waist band does not go up as far onto the belly as the older style panties used to. The nylon still feels almost as good as it used to, and I still get hard seeing a pretty nurse wearing a uniform dress.

Do It Yourself! Amateur Porn Stars Make Bank

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Antoinette is 25 years old. She is an interior designer from Baltimore with a boyfriend and a degree. She describes herself as "a pretty normal woman."

But twice a month she sets up a camera, takes off her clothes and with her boyfriend makes amateur pornography movies under the name Sexy Secret. For what she describes as about 20 minutes worth of "work" she makes $500 to $600 a month.

"I'm not a porn star. I don't want to be a porn star," she said. "I'm a pretty normal woman. I don't wear makeup that often. I'm 5'6 and 140 pounds. I'd say I'm nice looking, sure, but otherwise I'm pretty average."

Despite not being a porn star, Antoinette's films are explicit displays of hardcore intercourse that if released in cinemas would earn a "XXX" billing.

While plenty of amateur pornographers or exhibitionists have posted their work online for free, some do-it-yourself pornographers are now posting videos to a new section of the video-sharing site XTube.com — and making money on it.

With so much free media available on the Internet, sites have long struggled with how to get users to pay for content, whether it is Facebook, the Wall Street Journal or the band Radiohead.

As it has in the past, the porn industry is showing others how to make the Internet profitable.

XTube, which also offers thousands of free videos, thinks it has solved the problem of getting people to pay for porn by offering users something different.

"Everybody has got free porn," said Justin Arilan, XTube's sales and support manager. "How you keep users on your site and how you monetize the site is the real challenge. We think we've done that here."

Xtube's business model hopes to harness popular Web 2.0 innovations like wikis and social networking. People who typically view free porn will be more willing to pay, the company believes, if they can get to know the models, form relationships and play a role in directing the action filmmakers produce.

The audience pays 50 cents to $2.50 to view the short homemade porn flicks.

Those who post the videos receive 60 percent of the revenue after processing fees. Beginning next month, posters will receive 50 percent of revenues.

"I get lots of comments and compliments," said Antoinette who asked that we use her middle name for this article and who said she usually shields her face in her porn videos. "We get lots of suggestions from people for things they want to see, things they want me to do."

Arilan says the Web site earns $140,000 to $160,000 a month, most of which comes from sales of studio-produced video-on-demand movies. But about 40 percent comes from the amateur section. The site receives about 56 million page views a day, he said.

XTube is making lots of money, but most of the amateurs posting videos probably can't yet quit their day jobs, said Stephen Yagielowicz, senior editor of XBiz, an adult industry trade magazine.

"These people are not porn stars in the traditional sense. They're actual folks that are trying to make a supplemental income. They're just trying to earn a few hundred bucks a month. There are lots of voyeurs and lots of exhibitionists out there. People have been using the Internet to fill those needs since its beginning, now it is giving them a way to make money," Yagielowicz said.

That is true for Antoinette, who said that making the films fulfills a voyeuristic fantasy, but that the money doesn't hurt either.

It started out as a voyeurism thing and that was the fun part. At first we were skeptical that it would really work out, but then we got our first check and realized this is real, we're really making money," she said.

Online porn is estimated to be as large as a $14 billion industry, and the studios that have long controlled content are already feeling the pinch of the homemade competition.

"There is no doubt that there is real money in user-generated and user-shared content," Yagielowicz said.

But the term "amateur" has long been co-opted by the studios. When the first true amateurs began posting images of themselves online in the early days of the Internet, porn companies found they could create similarly stripped down Web sites that looked like they had been created by the girl next door but that were really produced by the companies


."Many so-called amateurs are not real amateurs. Most young voyeurs these days are posting their pictures on places like their blogs and MySpace. The studios have already figured out how to dress up real porn stars like the girl next door on single-model, subscription-based sites, so I would expect they'll do the same on user-generated, revenue-sharing sites," said Yagielowicz.

Joseph Jaffe, a media consultant and author of "Join the Conversation," a book about social media, said that porn companies have always been technology vanguards.

"From an innovation standpoint, porn, like gambling, has always been ahead of the curve. They're always forced to adopt new practices and ways of monetizing. Whatever the porn industry is doing today, that's where everyone else will be in five years," he said