Here’s just a sample of what you will discover from the “Laws Of Prosperity – 92 Tips For Living Simple Abundance Techniques For Wealth Creation”… Tip #2 : While affirmations work for many things they don’t often work very well for manifesting money and that is because of the ______ __________ ______ that most people have about it. Tip #5 : Everyone successful in manifesting great wealth lives by “__ ____ ___ ____ ____ _____ ____ ______.” Tip #23 : One of the laws of manifesta

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The team at Loiselle Insurance Agency knows that it has been a relatively mild New England winter thus far. While Massachusetts and Rhode Island have experienced little snow and few freezing days, many residents are still paying high heating costs. The team at Loiselle Insurance Agency knows that with home heating costs so high, many local residents may be looking for ways to cut their expenses. When it comes to homeowners insurance, RI residents should be aware that poor heating habits could results in claims. In order to help local residents stay warm safely and affordably for the remainder of the winter, the experts at Loiselle Insurance Agency would like to offer the following home heating tips:

When using the home furnace, lower the thermostat 3-5 degrees ? unless it would have a negative impact on the residents? health ? and turn it off when not home. This can help save up to 30 percent on heating costs.
Homeowners should check furnace filters every month during the heating season and clean or replace the filter when necessary in order to reduce the risk of overheating or igniting a fire.
With homeowners insurance, RI residents do not have to worry about the financial implications of a home heating disaster, but they should still take steps to avoid such situations by refraining from blocking heating outlets with furniture or other objects.
Avoid using space heaters. If these must be utilized, ensure that there is a 3-foot clearance around the devices so that they do not ignite drapes or other fabrics.
Open the drapes or blinds during the day and let the sun help warm the home. Close drapes or blinds at night to keep the warmth inside.

As experts in the homeowners insurance RI residents need, the agents at Loiselle Insurance Agency want to ensure that local residents stay safe and are able to save their hard-earned money instead of putting it toward their home heating bills. Of course, taking steps to avoid a heating-related accident could also save people money in the sense that they will not have to pay those insurance deductibles!

About Loiselle Insurance Agency:

As a full-lines insurance agency committed to service, knowledge and integrity, Loiselle Insurance Agency brings together well-qualified individuals to advise and counsel its clients on all types of insurance. Bob Loiselle, Melanie Loiselle-Mongeon and Brenda Loiselle-DuClos represent the third and fourth generations of their family in the insurance profession. With over 65 years of service, the agency is now insuring several generations of the same client families. Loiselle Insurance Agency prides itself on its reputation for professionalism and recognizing its clients? needs. In order to provide the broadest range of coverages, the agents at Loiselle represent many major insurance companies, which allows them to offer their clients the right policies at the right price.

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Many people already spend 12 hours a day getting to work, working, getting home from work. Here’s some good news: thanks to advances in technology, acceptance of outsourcing, the trend towards corporate flextime, and other factors, working from home is easier than ever.

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Introducing a two-tiered solution for individuals and home based businesses that are looking to overcome their financial difficulties by supplementing their income with creative ways to make money working from home. The websites that demonstrate these two tiers are http://www.onlinepowermarketingresources.com and http://www.businessgrowthsolutions.com .

It comes as no surprise that tough economic times are impacting most everyone. Living expenses are on the rise. Moms need cash to cover the additional expense of buying groceries and transporting their kids to school and extracurricular activities. Retired people are hit hard by the increased cost of heating their home. Employee contribution to health insurance benefits continue to rise as businesses can no longer afford to cover rising employee insurance costs. College students are experiencing increases in tuition, room and board, school supplies, and general living expenses. In general, expenses are much higher and incomes have risen very little, if at all.

There are limits as to how far expenses can be cut and many have already made these cuts. There is a need for creative ways to make extra income. The stock market is very volatile and doesn’t offer an acceptable solution. Taking on a second job away from home is difficult because persons strapped financially can hardly afford the additional cost of driving to a second job. Many are receptive to the idea of taking on additional work at home but lack the knowledge and confidence required to pursue that option. Let’s not forget the rising cost of going to college: tuition, room and board, travel, school supplies, etc. Many college students are looking for creative ways to make money in college.

M. A. Richards and Company LLC has chosen to provide work at home solutions to individuals and home based businesses on two tiers. On the first tier is for the person that has little or no experience in starting an online business. The second tier is for the person that has started an online business and is in need of new products they can begin to sell quickly in order to make online money now. The good news is that these solutions also work for the college student that is looking for creative ways to make money in college. Furthermore, once a person establishes themselves on the first tier, they can benefit from the products available on the second tier.

The first tier is addressed by the site http://www.onlinepowermarketingresources.com . The person that lacks experience in starting an online business also lacks confidence in their ability to succeed with an online business. This site provides them with information on how to go about starting an online business, how to select a product, how to select a market, and how to promote their product. With a combination of training and creativity, the “newbie” should gain confidence in their ability to succeed in generating homebiz profits online in a reasonably short amount of time.

The second tier is addressed by the site http://www.businessgrowthsolutions.com . With experience starting an online home based business comes the know-how to directly or indirectly create a website. However, there is always a need to develop or acquire hot new products that can be brought to market quickly. Developing new products is expensive and time consuming. This site offers a large number of information products that come with private label rights. Most of the work has been done in creating the product, generating the graphics, and in writing the sales letter. A person that takes advantage of this site can have their own new products online within a matter of days and begin to see online profits shortly thereafter.

With step-by-step guidance in how to start a home based business and with products ready to sell, it is the desire of the management of M. A. Richards and Company LLC that these creative ways to make money at home will help individuals and families to meet the challenge of today’s economy.

About M. A. Richards and Company, LLC:

Since its start in early 2004, M. A. Richards and Company, LLC has been developing and marketing products and services that can improve the success of small and home-based businesses and individuals looking to make online money now.

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With Punxsutawney Phil predicting six more weeks of winter and the rising costs of energy, CreditDonkey.com, a credit card comparison and consumer financial education website, released a new infographic to help consumers save money on their electricity bill.

Infographic: http://www.creditdonkey.com/energy-cost.html

According to a CreditDonkey.com analysis of recent U.S. Department of Commerce data, 6% of annual consumer spending is spent on communication services and utilities, such as cable or satellite television, cell phones, water, electricity, and natural gas.

“With so much of our household budget allocated just for basic needs such as electricity, we put together an infographic illustrating the rising cost of energy,” says Charles Tran, founder of CreditDonkey.com. “We also illustrate tips to help families save money, such as by paying utility bills with the best credit card rewards to earn cash back.”

Visit CreditDonkey.com to view the full infographic to Stay Afloat When Energy Costs Are on the Rise.

The full infographic includes:

Household Heating Costs Trends
Electricity Price Trends
Energy Source Projections
Household Appliance Average Wattage Breakdown
Environmental Impact
Tips to Save Money

Consumers can visit CreditDonkey.com to compare credit card deals. CreditDonkey.com publishes credit card reviews, deals and tips to help Americans make informed credit decisions. They can search, compare and apply online, finding the best credit cards for their individual needs.

Media Contact:

Charles Tran

charles(at)creditdonkey(dot)com

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[Publisher’s Note: Oli Hille is an Amazon #1 Bestselling author.]

This is a Step by Step Guide to using the Internet for Income, Influence, and Impact – and therefore allowing you to:

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This is a practical, 43 page book that gets straight to the point.

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There is so much information out there now on how dominate the online business world if you just follow yet another so called “Guru’s” tricks. What they don’t tell you though is that supporting your offline business promotions is just as important if not more so.

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Make Money Blogging not only provides the foundational background information every newbie blogger should know, it also provides tips, tricks and insider information with plenty of links to more online resources for further development as a blogger.

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(Updated for 2011) – All indications are that the economy is going to get more and more hostile over the next couple of years and since there is a credit crisis, a mortgage crisis and a gas crisis, we decided to counter all that and give people real tools that they can use to help bring in the extra money they need right now to help them through their crisis. This book outlines, in detail, seven ways to make extra money which will not interfere with any job you have or any business you’re runnin

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Popular online divorce form website ?MyDivorceDocuments.com? released statistical data from its website and facebook page giving an interesting look into the demographical break down of users seeking information and divorce form downloads to start the divorce process.

Women were far more likely to visit and befriend the online divorce documents facebook page by a near 2 to 1 margin over men; with women aged 35-44 leading the way among females with an overwhelming 18%. Women aged 25-34 were a close second of all facebook users.

Officials cited women’s interest in Child Support and Custody issues for the gap between genders. Men made up only 28% of all users, with the age bracket of 35-44 having the highest user ratio. The 35-44 year old age bracket, though highest among men, was only 9.8% of total likes earned for the online divorce form website?s facebook page.

Also revealed among the findings was that Texas and California had the highest usage rate for utilizing the unique websites downloadable divorce form platform in the data taken from December 2011 to January 2012. ?Those looking for Texas Divorce Forms made up nearly 15% of all users with those looking for California Divorce Forms making up an additional 10% of users by state,? Website owner Jason McClain said.

The website known for its easy to use platform offering online documents for divorce and attorney authored guides designed to guide consumers through the divorce process released the data in an effort to show how more are choosing online divorce as a tangible alternative to high cost, high profile divorce cases.

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Urge? announced today the worldwide release of their first application on iTunes for the iPhone, iPad, and iPod Touch. The application allows consumers to instantly transfer money from their checking to a savings account at their bank with a few taps via smart phone technology. Urge was locally developed and launched with the support of Jumpstart Foundry and the Entrepreneur Center. Beta customers are already using Urge in the US, UK, Canada, Japan, Switzerland, Italy, Malaysia, Australia and several other countries.

?Will Clark and I watched people spend $ 3-4 every morning at coffee houses and thought there must be a way to help them save some money by foregoing these unnecessary purchases. It’s not the big expenses that get us in trouble: it’s the nickel and diming we do to ourselves and end up broke at the end of the month,? said Salil Shibad, Co-Founder of Urge. “We faced the same problem. So, we created Urge- an app that allows the consumer to take control of their personal financial situation by allowing them to save toward more meaningful goals. These goals could be to pay off credit card debt, home loan, save toward kids’ 529 plans, contribute to 401k plans, give to charity, or simply save up for that vacation at the end of the year.”

Urge is offered in two versions, one that allows consumers to forego the urge to spend, another that allows them to instantly transfer money from their checking to a savings account at over 200 banks. Urge is also in the process of partnering with banks, local charitable organizations, and financial advisors.

“Similar to our grandparents’ discipline of a savings jar, you?ll be pleasantly surprised by how quickly the savings add up.” said Shibad. The start of a new year is one of the best times to make a personal impact on your financial health for the entire year by making smart decisions about everyday shopping.

?Urge was one of those ideas that when we heard it, we knew we had to be involved,? said Vic Gatto, Partner, Solidus and Founder of Jumpstart Foundry. ?Urge was our first investment at Jumpstart Foundry and we continue to be excited about the company?s future.?

?Nashville?s entrepreneur community continues to amaze me with the talent and ideas being generated from Jumpstart Foundry and the Entrepreneur Center.? said J. Tod Fetherling, Chairman/Co-Founder of Stratasan, former CEO of the Nashville Technology Council and current Jumpstart Foundry mentor. ?Urge is the application all of us need to help save money by making a very small change in our spending behavior.?

Urge? is a Jumpstart Foundry company launched in March 2010. Urge? provides consumers with the ability to save money by foregoing the urge to spend on impulse purchases and is available exclusively on iTunes in over one hundred countries. To download the application, visit the iTunes App Store at http://www.itunes.com/apps/urge.

Contact: ????

Salil Shibad

Press@MyUrge.com | http://myurge.com

# # #

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Local agents recently discussed the current conditions of the Tampa, FL real estate market with Homes.org, a fast growing real estate search portal. It’s no secret that the real estate industry in Florida was hit hard by the recession, and Tampa is no exception.

“It is very much a buyer’s market,” says Karyn Anjali Glubis a Tampa Broker with 10 years experience and an MBA in Finance and Marketing. “Buyers are scare and homes are taking much longer than average to sell. You can get a great deal still – you just have to be patient waiting through the short sale process.”

During the real estate boom “everyone, from teachers to true investors, wanted to come to an area that was developing, get a great deal and turn it into rental properties,” Glubis explained. “People came from all over the US and Internationally (I have clients from Germany, Turkey and India) to invest at the height of the boom. They had no problem renting the homes out and were initially making money. Now the market has failed as those ARM loans are adjusting. We have a glut of inventory on the market.”

The misfortune of the investors has now left homebuyers with prices that were unimaginable just a few years ago. The average price is down by nearly $ 100,000 compared to sales in 2007 and haven’t went up much since last year. However, there are signs of stabilization and a significant increase in the number of homes sold compared to last year.

Glubis is certain about one thing, “there are deals to be had everywhere. Homes less than 10 years old with 3 bedrooms, 2 baths at 2000 square feet selling at $ 120,000 in areas with A rated schools.” With low interest rates and home prices Tampa’s real estate market could be finally steadying itself.

Tampa, FL Real Estate Market October Information and Statistics

County: Hillsborough

Zip Codes in the City: 33601-33626, 33629-33631, 33633-33635, 33637, 33647, 33650-33651, 33655, 33660-33664, 33672-33675, 33677, 33679-33682, 33684-33690, 33694, 33697

Population: 335,709 (2.7 million in the Urban Area)

Total Households: 136,328

Median Home Value (2005-2009): $ 202,600

Average List Price: $ 160,632

Average Sales Price: $ 151,779

Homes Sales in September: 1,641 homes sold

Foreclosures: 1 in 311 (Hillsborough County)

Renters vs. Owners: 44.5% vs 55.5%

Type of Home:

37% Single Family

11% Condo

52% Other

Popular Neighborhoods Seeing Improvements:

“The best areas with quick sales remains anything on the water – intracoastal and beach front,” says Glubis. Areas that are reporting improved month-over-month and year-over-year improvements include:

????Beach Park
????Belmar Gardens
????Cory Lake Isles
????Culbreath
????Davis Island
????Palma Ceia
????Palma Ceia West
????Parkland Estates
????Sunset Park
????Swann Estates

To learn more about real estate in Tampa, FL, please visit: http://www.Homes.org

About Homes.org

Homes.org is a fast growing real estate search portal that offers users much more than MLS listings. Homes.org gives users access to a rich collection of resources, including but not limited to, real estate listings, home owner finance tools and home service tools. Homes.org brings buyers, sellers and renters important information about the current markets and intelligent tools by partnering with real estate professionals from around the country. Homes.org is a subsidiary of Star Nine Ventures, Inc. headquartered in Austin, TX.

About Star Nine Ventures?

Star Nine Ventures? is an Austin-based, marketing-driven venture creation company targeting a wide range of national business-to-consumer online marketplaces. Star Nine’s core mission is to build businesses that provide exemplary consumer experiences and unparalleled customer service.

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A new course from startup business course creator Shoestring Publishing focuses on the niche of worm farming. “Starting a worm farm may not be on everyone’s mind, but it is a real business opportunity that can make thousands of dollars a month,” says Justin Douglas of Shoestring Publishing. “Anyone can start a worm farm in their own yard this weekend and have a real job and their own business. Fishing worms come from worm farms, and the worm farms are operated by startup owners who run them as a business just like any other business. The teachers who created the course have experience, and they also consulted everyone that we knew who was a success at starting a worm farming business, they read everything available on the subject of worm farms and then added their own personal experiences to develop this system.”

Mr. Douglas explains that the course will save an entrepreneur time and also save them from mistakes: “The teachers of the course are real startup entrepreneurs who have earned literally hundreds of millions of dollars. It is much better to learn from the pros and learn the details of the exact business before you start. By going through this course it is possible for the average person to start a worm farm business by this weekend. We also have included information on accounting, marketing, legal issues and other topics crucial to starting a successful startup business. We cover how to build a worm farm, worm farm plans, worm farming guide and worm farm supplies. It’s all there. Don?t let the size (just 21 pages) fool you. Over 200 hours of research went into this project.”

In addition to the worm farming startup course “How To Start A Worm Farm,” the bonuses include an audio series called “Startup Boot Camp” taught by Perry Belcher who has sold over 100 million dollars of his own products. Other bonuses include the classic business book “Think And Grow Rich” by Napolean Hill.

For more information or to purchase the course, visit the website for “How To Start A Worm Farm.”

About Shoestring Publishing

ShoestringStartups.com is the premier online publisher of “extra income opportunities” that anyone can use to earn additional income. Unlike 99% of the so-called “opportunities” that promise to make millions overnight, the Shoestring Publishing mission is to show legitimate methods to earn a little extra income in a short period of time. Shoestring Publishing brings the very best in business startup courses to the public. They don’t promise to make their students millionaires, but they do promise to show REAL strategies for earning extra cash that don’t involve any special skills or a massive learning curve. All students need is an internet connection, an open mind and a willingness to learn.

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Virtual Phone Systems allow a business owner to advertise a toll free number, a local number or both and stream those calls right to their personal mobile or land-line. With iTeleCenter’s release of its Pro and Premier packages, customers can get a combination of local and toll free numbers that all share the package’s included minutes. This flexibility allows businesses to advertise a toll free number, a New York number, a Los Angeles number, or a local number in any city, and pay one low monthly fee.

When a business has control over their numbers, complete control, it establishes efficiency and organization. A toll free number provides a more powerful sense of professionalism. Customers who view a website or advertisement for a company that has a toll free number, they gain a semblance of trust immediately. The business gains credibility. On the other hand, some consumers prefer to see a local number which instills confidence that the company is local and reliable. With these bundled packages, businesses get the best of both worlds.

With the Call Forwarding feature, the caller dials the advertised number but calls are seamlessly routed right to the business’s land-line or mobile phone. The business owner (or employee) can screen the calls or answer them directly. Unanswered calls go right to iTeleCenter’s voicemail. Message alerts can be sent to the business via text message or email.????

iTeleCenter was built around the concept of helping real estate professionals, direct sales people, virtual companies and home-based businesses gain access to the important benefits that the right phone numbers provide. In addition, it enables business owners and employees to keep their personal numbers private.

About iTeleCenter

iTeleCenter was founded in 1992 by entrepreneur Paul Champaneria who wanted to build a company that catered to the needs of direct salespeople, affiliate marketers, real estate professionals, and all forms of home-based or small businesses. During its twenty year tenure, iTeleCenter has provided some of the most cutting edge communication innovations to businesses that allow them to compete on a regional as well as a national level.

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