Tuesday, November 29, 2011
Google PPC: Content or Search?
When advertising with pay per click Google gives the advertiser two broad options. Advertising in search results, advertising in websites content or indeed many choose to do both. Advertising in search means that results are displayed in Google under searches, and in its distributors search results. Google content advertising applies to those websites who choose to incorporate “Adsense” into their websites. As adsense rapidly expands, it is now viewable on millions of web pages throughout the web. However, many advertisers are shunning this in favor of merely advertising in search results.
There are several reasons for this, and the first is trust. This has been a result of smaller websites, through to adsense empires choosing to embark on Click Fraud. Although this issue occurs in search it is far less dominant. Those who commit Click Fraud on search are those trying to weaken a competitor’s ROI. With Adsense the same applies, along with the website owner trying to increase his revenues using similar tactics.
Another reason why website owners are choosing to market out with content is the motivation of the buyer when he is on a website. Someone who is on a different website, other than the advertisers might be there for entirely different reasons. For example a website discussing the disadvantages of Adsense, would actually return adverts for those selling “Adsense Websites” for example. People may click on it, but they are unlikely to buy after reading a negative review. The other reason could be that the person on the adsense website was actually looking for what is the best color palette to use. The person therefore would not find the advert relevant, but might click on the advert in a care free manner.
Adsense websites are also often rejected by the advertiser because they feel it involves more administration. Checking through websites to see how relevant they are, and editing their bids to ensure they still appear on a page. With some words having a network of over 500 websites, it is surely a tedious and expensive task. Although this is the case, many also find that their Adwords account returns websites, that don’t even appear to be trying to support their keywords. The example which is ripe, are those advertising under legal phrases who appear on adsense websites “terms and conditions” and “privacy policy” pages.
Although many are rejecting content advertising, there are still those who feel it provides a similar ROI to search. A reason for this can be found through in the fact that more and more advertisers are only choosing search. As this occurs the advertiser has less competition so the price of the word reduces. Advertisers are also finding a good ROI from publisher’s websites who decide to actively promote the advertiser’s services within their content. An example of this can be realized from when someone is discussing printing services, and actually directly recommends the advertiser’s services. This is a positive move for both the publisher and the advertiser, and a good way for publishers to move forward. Despite this, publishers still have to remember, to not be too obvious in doing this, or savvy buyers will definitely calculate the publisher’s intention.
Another reason why advertisers are opting for content is to increase their scale, however this can also be done across other search engines. The fact however still exists that those who choose content advertising should choose the Google Adsense network. It is regulated far and above yahoo’s and others equivalents whilst its superior network of publishers means the advertisers will benefit from being able to spread their message through a diverse range of websites.
Despite Adsense being the best PPC content distributor, it certainly doesn’t compare to search for the advertiser. On search the leads are more qualified, more regulated, and less fraudulent. This has seen advertisers consistently choose search over content. Despite this advertiser’s should always test adsense and see if it can provide the ROI they are looking for. Some advertisers say that content provides a better return for their business than search. This varies, however in general search remains King for PPC advertisers.
Getting Started With Adsense
Getting Started With Adsense
A very important element in the rapid adoption of AdSense is that it has been very easy for publishers to get the ads on their site as quickly as possible.
Integrating AdSense in your website takes only a few minutes, and you can be on your way with one or more nicely integrated AdSense ads.
The first thing you need to do is navigate to http://www.google.com/adsense and either apply or log in with your existing account and password. What follows is a page presenting the Google AdSense Terms and Conditions which you must agree to in order to proceed.
You are presented with a report page which you can use to get a detailed status on how your AdSense advertising is doing. This allows you to improve your site's contents and layout to maximize your AdSense earnings.
On the top of your page you also have link to the setup section where you can generate the code that will need to be pasted on your website in order to have AdSense banners on your page.
You can use AdSense for text (the said ads), using a search box or with referrals. Your choice among these options depends on how users will navigate your site.
Finally, there is a "My Account" tab which allows you to set up details concerning your account, payment and tax information.
To add a text ad on your site, go back to the "AdSense Setup" tab and click the "AdSense for content" link. Make sure you have cookies enabled in your browser.
You can make a choice between ad units and link units. The former contain text and or images concerning a certain site for each unit, most with a detailed description, the latter only contain links to certain types.
Of course, it's a bit hard to know which type you should use so you should probably experiment with both for a while before you decide.
You can also view an example of how the unit will look to the right of your page. However, you may only use three ad units and one link unit on any given page. This is believed to be a step which Google takes for quality control.
The next step is to choose your add format and colors. You can basically select any color palette you choose with Google offering some of its own if you don't have the time or skill to create one. You can constantly view how the palette will look through the aid of an example. The one that works best in terms of appearance and revenues will vary with the look, feel and content of a website.
However, your ad formats are limited to a choice of eleven formats. There's an "Ad Formats" link which takes you to a page that lets you see all even of these in action so you can decide best which one suits your site. Sometimes the most intrusive, doesn’t work best however again, this can vary from website to website.
After you finish with customization, you can click "Continue" from the bottom of the page.
You are now presented with a section entitled "AdSense for Content". You can click anywhere in the text and that shows the JavaScript required to get AdSense running. This will automatically select the text in the box.
You can then copy it and paste it into your pages directly. If you use dynamic pages, you should paste this code within your template so as to ensure that it gets displayed on any page of your website. Some advertisers choose not to display Adsense on every page, and this is understandable. An example of this is a company that has adsense, may also have terms and condition which would inevitably provide legal resources which would probably be deemed inappropriate.
What is then left for you to do is get content on your page (provided you didn't have any already). Google AdSense crawlers will soon visit your site, making sure that the ads displayed are relevant to your site's content.
And you're all done. For a simple page this should indeed be a matter of a few minutes, which is precisely what makes AdSense the choice for so many. Although it is quick, its mass appeal also makes it the best. Through being the most popular, advertisers and publishers alike see Adsense and Adwords as their natural first choice.
A very important element in the rapid adoption of AdSense is that it has been very easy for publishers to get the ads on their site as quickly as possible.
Integrating AdSense in your website takes only a few minutes, and you can be on your way with one or more nicely integrated AdSense ads.
The first thing you need to do is navigate to http://www.google.com/adsense and either apply or log in with your existing account and password. What follows is a page presenting the Google AdSense Terms and Conditions which you must agree to in order to proceed.
You are presented with a report page which you can use to get a detailed status on how your AdSense advertising is doing. This allows you to improve your site's contents and layout to maximize your AdSense earnings.
On the top of your page you also have link to the setup section where you can generate the code that will need to be pasted on your website in order to have AdSense banners on your page.
You can use AdSense for text (the said ads), using a search box or with referrals. Your choice among these options depends on how users will navigate your site.
Finally, there is a "My Account" tab which allows you to set up details concerning your account, payment and tax information.
To add a text ad on your site, go back to the "AdSense Setup" tab and click the "AdSense for content" link. Make sure you have cookies enabled in your browser.
You can make a choice between ad units and link units. The former contain text and or images concerning a certain site for each unit, most with a detailed description, the latter only contain links to certain types.
Of course, it's a bit hard to know which type you should use so you should probably experiment with both for a while before you decide.
You can also view an example of how the unit will look to the right of your page. However, you may only use three ad units and one link unit on any given page. This is believed to be a step which Google takes for quality control.
The next step is to choose your add format and colors. You can basically select any color palette you choose with Google offering some of its own if you don't have the time or skill to create one. You can constantly view how the palette will look through the aid of an example. The one that works best in terms of appearance and revenues will vary with the look, feel and content of a website.
However, your ad formats are limited to a choice of eleven formats. There's an "Ad Formats" link which takes you to a page that lets you see all even of these in action so you can decide best which one suits your site. Sometimes the most intrusive, doesn’t work best however again, this can vary from website to website.
After you finish with customization, you can click "Continue" from the bottom of the page.
You are now presented with a section entitled "AdSense for Content". You can click anywhere in the text and that shows the JavaScript required to get AdSense running. This will automatically select the text in the box.
You can then copy it and paste it into your pages directly. If you use dynamic pages, you should paste this code within your template so as to ensure that it gets displayed on any page of your website. Some advertisers choose not to display Adsense on every page, and this is understandable. An example of this is a company that has adsense, may also have terms and condition which would inevitably provide legal resources which would probably be deemed inappropriate.
What is then left for you to do is get content on your page (provided you didn't have any already). Google AdSense crawlers will soon visit your site, making sure that the ads displayed are relevant to your site's content.
And you're all done. For a simple page this should indeed be a matter of a few minutes, which is precisely what makes AdSense the choice for so many. Although it is quick, its mass appeal also makes it the best. Through being the most popular, advertisers and publishers alike see Adsense and Adwords as their natural first choice.
Click Fraud
Click Fraud
If you're using AdWords or AdSense you must have heard about an emerging practice in the underworld of computing called "click fraud". But what exactly is click fraud and how is it accomplished?
Well AdSense uses a payment mechanism that awards a certain amount of money to a publisher (someone who holds an AdSense banner on their page) every time a person clicks on the said banner. So click fraud is the attempt to have people clicking the ads just so that they can earn a greater income.
There are people setting up sites for the sole purpose of fraudulently generating revenue through Google's AdSense program. These users achieve an incredible number of clicks through many methods, some complex and sophisticated and some rudimentary and simple.
One of the most complex is through the use of so called "hitbots". These are automated programs who emulate clicking the links in AdSense banners (there are some that actually click the banners as well).
Google's AdSense protection scheme is by no means perfect and nearly anyone can find the details of surmounting the protection mechanism, ironically just by doing a Google search.
Another, more rudimentary method is to hire a lot of people in a poor country to click the links on your site. This means these people will actually sit all day and just click links so you can earn a fortune. They come from very poor countries like India, and they're prepared to do so for just $0.50 an hour.
Of course, there's a problem with this mechanism. Once Google receives a large number of clicks from a single address, the address and the site that had the AdSense banner will be banned, and the illicit behavior might even get the fraudster sued.
To prevent this from happening, many people use a large number of proxy servers for the purpose of clicking. These are basically trojans, located on computers throughout the world (though mostly in the US). What's even more daunting is that these clicks will appear to originate from an actual computer so such scams are really hard to detect.
And don't think this happens only in isolated instances. There is a great deal of illegal activity in this domain.
In fact there's so much that if search engine companies don't increase their security with such programs as AdSense, such criminal behavior could become more become even more damaging.
Google has a very strict policy regarding click fraud, and it has sued those employing such techniques in the past. But while the search engine giant tries its best to minimize the risk of click fraud there's certainly room for a lot of improvement.
It is estimated that more then 20% of the clicks that follow an AdSense link are just done in order to get money from the person paying for the ad. Some people believe the number of fraudulent clicks to be even twice as large.
There are a great deal more schemes involving click fraud, such as groups of AdSense publishers clicking each other's links (which is referred to as "clicking rings", or spamming people so that they click such links.
Despite Google still holding click fraud on a leash, the phenomenon is certainly raising concerns for the advertisers on AdWords, but despite this advertising with Google's AdSense still remains more profitable for the advertiser, as opposed to traditional untargeted advertising schemes.
There are some means of protection against such schemes and all advertisers should be savvy enough to employ them. Many advertisers choose to avoid the content network all together for fear of click fraud.
You need to have optimized niche website templates for best results.
If you're using AdWords or AdSense you must have heard about an emerging practice in the underworld of computing called "click fraud". But what exactly is click fraud and how is it accomplished?
Well AdSense uses a payment mechanism that awards a certain amount of money to a publisher (someone who holds an AdSense banner on their page) every time a person clicks on the said banner. So click fraud is the attempt to have people clicking the ads just so that they can earn a greater income.
There are people setting up sites for the sole purpose of fraudulently generating revenue through Google's AdSense program. These users achieve an incredible number of clicks through many methods, some complex and sophisticated and some rudimentary and simple.
One of the most complex is through the use of so called "hitbots". These are automated programs who emulate clicking the links in AdSense banners (there are some that actually click the banners as well).
Google's AdSense protection scheme is by no means perfect and nearly anyone can find the details of surmounting the protection mechanism, ironically just by doing a Google search.
Another, more rudimentary method is to hire a lot of people in a poor country to click the links on your site. This means these people will actually sit all day and just click links so you can earn a fortune. They come from very poor countries like India, and they're prepared to do so for just $0.50 an hour.
Of course, there's a problem with this mechanism. Once Google receives a large number of clicks from a single address, the address and the site that had the AdSense banner will be banned, and the illicit behavior might even get the fraudster sued.
To prevent this from happening, many people use a large number of proxy servers for the purpose of clicking. These are basically trojans, located on computers throughout the world (though mostly in the US). What's even more daunting is that these clicks will appear to originate from an actual computer so such scams are really hard to detect.
And don't think this happens only in isolated instances. There is a great deal of illegal activity in this domain.
In fact there's so much that if search engine companies don't increase their security with such programs as AdSense, such criminal behavior could become more become even more damaging.
Google has a very strict policy regarding click fraud, and it has sued those employing such techniques in the past. But while the search engine giant tries its best to minimize the risk of click fraud there's certainly room for a lot of improvement.
It is estimated that more then 20% of the clicks that follow an AdSense link are just done in order to get money from the person paying for the ad. Some people believe the number of fraudulent clicks to be even twice as large.
There are a great deal more schemes involving click fraud, such as groups of AdSense publishers clicking each other's links (which is referred to as "clicking rings", or spamming people so that they click such links.
Despite Google still holding click fraud on a leash, the phenomenon is certainly raising concerns for the advertisers on AdWords, but despite this advertising with Google's AdSense still remains more profitable for the advertiser, as opposed to traditional untargeted advertising schemes.
There are some means of protection against such schemes and all advertisers should be savvy enough to employ them. Many advertisers choose to avoid the content network all together for fear of click fraud.
You need to have optimized niche website templates for best results.
Why Should I Make a Budget?
Why Should I Make a Budget?
You say you know where your money goes and you don’t need it all written down to keep up with it? I issue you this challenge. Keep track of every penny you spend for one month and I do mean every penny.
You will be shocked at what the itty-bitty expenses add up to. Take the total you spent on just one unnecessary item for the month, multiply it by 12 for months in a year and multiply the result by 5 to represent 5 years.
That is how much you could have saved AND drawn interest on in just five years. That, my friend, is the very reason all of us need a budget.
If we can get control of the small expenses that really don’t matter to the overall scheme of our lives, we can enjoy financial success.
The little things really do count. Cutting what you spend on lunch from five dollars a day to three dollars a day on every work day in a five day work week saves $10 a week… $40 a month… $480 a year… $2400 in five years….plus interest.
See what I mean… it really IS the little things and you still eat lunch everyday AND that was only one place to save money in your daily living without doing without one thing you really need. There are a lot of places to cut expenses if you look for them.
Set some specific long term and short term goals. There are no wrong answers here. If it’s important to you, then it’s important period.
If you want to be able to make a down payment on a house, start a college fund for your kids, buy a sports car, take a vacation to Aruba… anything… then that is your goal and your reason to get a handle on your financial situation now.
You say you know where your money goes and you don’t need it all written down to keep up with it? I issue you this challenge. Keep track of every penny you spend for one month and I do mean every penny.
You will be shocked at what the itty-bitty expenses add up to. Take the total you spent on just one unnecessary item for the month, multiply it by 12 for months in a year and multiply the result by 5 to represent 5 years.
That is how much you could have saved AND drawn interest on in just five years. That, my friend, is the very reason all of us need a budget.
If we can get control of the small expenses that really don’t matter to the overall scheme of our lives, we can enjoy financial success.
The little things really do count. Cutting what you spend on lunch from five dollars a day to three dollars a day on every work day in a five day work week saves $10 a week… $40 a month… $480 a year… $2400 in five years….plus interest.
See what I mean… it really IS the little things and you still eat lunch everyday AND that was only one place to save money in your daily living without doing without one thing you really need. There are a lot of places to cut expenses if you look for them.
Set some specific long term and short term goals. There are no wrong answers here. If it’s important to you, then it’s important period.
If you want to be able to make a down payment on a house, start a college fund for your kids, buy a sports car, take a vacation to Aruba… anything… then that is your goal and your reason to get a handle on your financial situation now.
The Budget – The Ultimate Financial Management Tool
A carpenter uses a set of house plans to build a house. If he didn’t the bathroom might get overlooked altogether.
Rocket Scientists would never begin construction on a new booster rocket without a detailed set of design specifications. Yet most of us go blindly out into the world without an inkling of an idea about finances and without any plan at all.
Not very smart of us, is it?
A money plan is called a budget and it is crucial to get us to our desired financial goals.
Without a plan we will drift without direction and end up marooned on a distant financial reef.
If you have a spouse or a significant other, you should make this budget together. Sit down and figure out what your joint financial goals are…long term and short term.
Then plan your route to get to those goals. Every journey begins with one step and the first step to attaining your goals is to make a realistic budget that both of you can live with.
A budget should never be a financial starvation diet. That won’t work for the long haul. Make reasonable allocations for food, clothing, shelter, utilities and insurance and set aside a reasonable amount for entertainment and the occasional luxury item. Savings should always come first before any spending.
Even a small amount saved will help you reach your long term and short term financial goals. You can find many budget forms on the internet. Just use any search engine you choose and type in “free budget forms”.
You’ll get lots of hits. Print one out and work on it with your spouse or significant other. Both of you will need to be happy with the final result and feel like it’s something you can stick to.
A carpenter uses a set of house plans to build a house. If he didn’t the bathroom might get overlooked altogether.
Rocket Scientists would never begin construction on a new booster rocket without a detailed set of design specifications. Yet most of us go blindly out into the world without an inkling of an idea about finances and without any plan at all.
Not very smart of us, is it?
A money plan is called a budget and it is crucial to get us to our desired financial goals.
Without a plan we will drift without direction and end up marooned on a distant financial reef.
If you have a spouse or a significant other, you should make this budget together. Sit down and figure out what your joint financial goals are…long term and short term.
Then plan your route to get to those goals. Every journey begins with one step and the first step to attaining your goals is to make a realistic budget that both of you can live with.
A budget should never be a financial starvation diet. That won’t work for the long haul. Make reasonable allocations for food, clothing, shelter, utilities and insurance and set aside a reasonable amount for entertainment and the occasional luxury item. Savings should always come first before any spending.
Even a small amount saved will help you reach your long term and short term financial goals. You can find many budget forms on the internet. Just use any search engine you choose and type in “free budget forms”.
You’ll get lots of hits. Print one out and work on it with your spouse or significant other. Both of you will need to be happy with the final result and feel like it’s something you can stick to.
Spend Wisely to Save Money
Spend Wisely to Save Money
Have you ever noticed that the things you buy every week at the grocery and hardware stores go up a few cents between shopping trips? Not by much…just by a little each week but they continue to creep up and up.
All it takes for the price to jump up by a lot is a little hiccup in the world wide market, note the price of gasoline as it relates to world affairs.
There is a way that we can keep these price increases from impacting our personal finances so much and that is by buying in quantity and finding the best possible prices for the things we use and will continue to use everyday… things that will keep just as well on the shelves in our homes as it does on the shelves at the grocery store or hardware store.
For instance, dog food and cat food costs about 10% less when bought by the case than it does when bought at the single can price and if you wait for close out prices you save a lot more than that.
Set aside some space in your home and make a list of things that you use regularly which will not spoil. Any grain or grain products will need to be stored in airtight containers that rats can’t get into so keep that in mind.
Then set out to find the best prices you can get on quantity purchases of such things as bathroom items and dry and canned food.
You will be surprised at how much you can save by buying a twenty pound bag of rice as opposed to a one pound bag but don’t forget that it must be kept in a rat proof container.
You can buy some clothing items such as men’s socks and underwear because those styles don’t change, avoid buying children’s and women’s clothing, those styles change and sizes change too drastically.
Try to acquire and keep a two year supply of these items and you can save hundreds of dollars.
Brought to you by Modestox.info
Have you ever noticed that the things you buy every week at the grocery and hardware stores go up a few cents between shopping trips? Not by much…just by a little each week but they continue to creep up and up.
All it takes for the price to jump up by a lot is a little hiccup in the world wide market, note the price of gasoline as it relates to world affairs.
There is a way that we can keep these price increases from impacting our personal finances so much and that is by buying in quantity and finding the best possible prices for the things we use and will continue to use everyday… things that will keep just as well on the shelves in our homes as it does on the shelves at the grocery store or hardware store.
For instance, dog food and cat food costs about 10% less when bought by the case than it does when bought at the single can price and if you wait for close out prices you save a lot more than that.
Set aside some space in your home and make a list of things that you use regularly which will not spoil. Any grain or grain products will need to be stored in airtight containers that rats can’t get into so keep that in mind.
Then set out to find the best prices you can get on quantity purchases of such things as bathroom items and dry and canned food.
You will be surprised at how much you can save by buying a twenty pound bag of rice as opposed to a one pound bag but don’t forget that it must be kept in a rat proof container.
You can buy some clothing items such as men’s socks and underwear because those styles don’t change, avoid buying children’s and women’s clothing, those styles change and sizes change too drastically.
Try to acquire and keep a two year supply of these items and you can save hundreds of dollars.
Brought to you by Modestox.info
Rebates – Reward or Rip Off?
Rebates – Reward or Rip Off?
Rebates have become increasingly popular in the last few years on a lot of items and certainly on electronic items and computers. Rebates of $20, $50 or $100 are not uncommon.
I’ve even seen items advertised as “free after rebate”. Do these rebates come under the heading of “too good to be true”? Some of them do and there are “catches” to watch out for but if you are careful, rebates can help you get some really good deals.
The way a rebate works is that you pay the listed price for an item then mail in a form and the bar code to the manufacturer and they send you a refund thus reducing the price of what you paid for the item except with a time delay of several weeks.
Rule #1. Rebates from reputable companies are usually just fine.
You can be pretty sure you will get the promised rebate from Best Buy, Amazon or Dell but you should probably not count on getting one from a company you’ve never heard of. If you really want the product and are OK with paying the price listed then buy it but don’t count on actually getting the refund.
Rule #2. Check rebate expiration dates.
Many times products will stay on the shelf of a retailer after the date for sending in the rebate offer has expired so check that date carefully.
Rule #3. Be sure you have all the forms required to file for the rebate before you leave the store.
Rebates will almost always require a form to be filled out, a receipt for the purchase and a bar code.
Rule #4. Back up your rebate claim.
Make copies of everything you send in to get your rebate including the bar code. Stuff gets lost in the mail all the time and if the rebate is for $50 it’s worth the trouble to back up your claim.
Rebates have become increasingly popular in the last few years on a lot of items and certainly on electronic items and computers. Rebates of $20, $50 or $100 are not uncommon.
I’ve even seen items advertised as “free after rebate”. Do these rebates come under the heading of “too good to be true”? Some of them do and there are “catches” to watch out for but if you are careful, rebates can help you get some really good deals.
The way a rebate works is that you pay the listed price for an item then mail in a form and the bar code to the manufacturer and they send you a refund thus reducing the price of what you paid for the item except with a time delay of several weeks.
Rule #1. Rebates from reputable companies are usually just fine.
You can be pretty sure you will get the promised rebate from Best Buy, Amazon or Dell but you should probably not count on getting one from a company you’ve never heard of. If you really want the product and are OK with paying the price listed then buy it but don’t count on actually getting the refund.
Rule #2. Check rebate expiration dates.
Many times products will stay on the shelf of a retailer after the date for sending in the rebate offer has expired so check that date carefully.
Rule #3. Be sure you have all the forms required to file for the rebate before you leave the store.
Rebates will almost always require a form to be filled out, a receipt for the purchase and a bar code.
Rule #4. Back up your rebate claim.
Make copies of everything you send in to get your rebate including the bar code. Stuff gets lost in the mail all the time and if the rebate is for $50 it’s worth the trouble to back up your claim.
Avoiding Impulse Spending
Avoiding Impulse Spending
Answer these questions truthfully:
1.) Does your spouse or partner complain that you spend too much money?
2.) Are you surprised each month when your credit card bill arrives at how much more you charged than you thought you had?
3.) Do you have more shoes and clothes in your closet than you could ever possibly wear?
4.) Do you own every new gadget before it has time to collect dust on a retailer’s shelf?
5.) Do you buy things you didn’t know you wanted until you saw them on display in a store?
If you answered “yes” to any two of the above questions, you are an impulse spender and indulge yourself in retail therapy.
This is not a good thing. It will prevent you from saving for the important things like a house, a new car, a vacation or retirement. You must set some financial goals and resist spending money on items that really don’t matter in the long run.
Impulse spending will not only put a strain on your finances but your relationships, as well. To overcome the problem, the first thing to do is learn to separate your needs from your wants.
Advertisers blitz us hawking their products at us 24/7. The trick is to give yourself a cooling-off period before you buy anything that you have not planned for.
When you go shopping, make a list and take only enough cash to pay for what you have planned to buy. Leave your credit cards at home.
If you see something you think you really need, give yourself two weeks to decide if it is really something you need or something you can easily do without. By following this simple solution, you will mend your financial fences and your relationships.
Answer these questions truthfully:
1.) Does your spouse or partner complain that you spend too much money?
2.) Are you surprised each month when your credit card bill arrives at how much more you charged than you thought you had?
3.) Do you have more shoes and clothes in your closet than you could ever possibly wear?
4.) Do you own every new gadget before it has time to collect dust on a retailer’s shelf?
5.) Do you buy things you didn’t know you wanted until you saw them on display in a store?
If you answered “yes” to any two of the above questions, you are an impulse spender and indulge yourself in retail therapy.
This is not a good thing. It will prevent you from saving for the important things like a house, a new car, a vacation or retirement. You must set some financial goals and resist spending money on items that really don’t matter in the long run.
Impulse spending will not only put a strain on your finances but your relationships, as well. To overcome the problem, the first thing to do is learn to separate your needs from your wants.
Advertisers blitz us hawking their products at us 24/7. The trick is to give yourself a cooling-off period before you buy anything that you have not planned for.
When you go shopping, make a list and take only enough cash to pay for what you have planned to buy. Leave your credit cards at home.
If you see something you think you really need, give yourself two weeks to decide if it is really something you need or something you can easily do without. By following this simple solution, you will mend your financial fences and your relationships.
The “Quick Weight Loss Diet” Trend Disadvantage
The “Quick Weight Loss Diet” Trend Disadvantage
If you wear a size 14 and you blow a bundle on designer size 8 dresses as motivation, you will probably end up feeling guilty, frustrated, and angry if you are not slinking around in it a month later.
In reality, you will do much better setting smaller, achievable targets for yourself. If you must try the new-clothes strategy, go down a size at a time, and do not buy anything you have to take out a second mortgage to pay for.
Because, if you continue to remorse on losing weight fast, you will end up incorporating fad diets or those that offer quick weight loss.
For most people who are not aware of this fact, there are no such things as quick weight loss diets and there is no nippy weight loss for people who want to be slimmer than what their body can provide.
The problem with most people is that they tend to opt for nippy fixes wherein fact these things are not effective at all.
What Does Not Work
Today, there are plenty of weight-loss strategies that are guaranteed to backfire. This is because these nippy fixes instilled on certain diet plans are, in reality, not efficient because it does not employ the right principle and the right attitude in losing weight.
These quick weight loss diet plans are known as fad diets because that is exactly what they are, just a fad. In time, when fashion is over and popularity wanes down, people will realize that the diet they have depended on is not reliable at all.
To know more about these fad diets that are selling like hotcakes in the market today, here is a list of some telltale signs that would tell you not to try it even once.
Here they are:
1. Skipping meals
Does your diet plan require you to skip meals? If it does, then, it is a fad diet.
Abstain from food completely is not a healthy habit. It may even cause some serious complications or problems especially for people who are sick with diabetes.
Skipping meals will only cause a hypoglycemia, or the condition wherein your blood sugar is really low, and will probably only be effective in making you eat twice as much at the next meal.
2. Dieting without exercise, or vice versa
Exercise is crucial to the human body. It is important in the proper blood circulation and other activities of the human body system.
Therefore, diet plans that do not require you to exercise are nuisances. People are born to move.
But then again, exercise alone is not sufficient. Hence, it would be better if diet and exercise will go hand-in-hand.
3. Continuous dawdling
There is no better time to start losing weight. If you want to really lose those excess fats, you have to lose weight now.
Delaying tactics will not get you anywhere and will only make the problem worse. So, if your diet plan suggests a certain timeframe for you start losing weight, chances are, you are following the trend of fad diets.
Boiled down, it is best to rely more on the way you feel than the tale of the tape. This means that if the weighing scale tells you that you are losing weight even if it is slower than you would like, but you are feeling energetic and positive about your weight-loss efforts, then, you are just doing fine.
As mentioned and is worth mentioning all over again, weight loss is not a quick process.
If you wear a size 14 and you blow a bundle on designer size 8 dresses as motivation, you will probably end up feeling guilty, frustrated, and angry if you are not slinking around in it a month later.
In reality, you will do much better setting smaller, achievable targets for yourself. If you must try the new-clothes strategy, go down a size at a time, and do not buy anything you have to take out a second mortgage to pay for.
Because, if you continue to remorse on losing weight fast, you will end up incorporating fad diets or those that offer quick weight loss.
For most people who are not aware of this fact, there are no such things as quick weight loss diets and there is no nippy weight loss for people who want to be slimmer than what their body can provide.
The problem with most people is that they tend to opt for nippy fixes wherein fact these things are not effective at all.
What Does Not Work
Today, there are plenty of weight-loss strategies that are guaranteed to backfire. This is because these nippy fixes instilled on certain diet plans are, in reality, not efficient because it does not employ the right principle and the right attitude in losing weight.
These quick weight loss diet plans are known as fad diets because that is exactly what they are, just a fad. In time, when fashion is over and popularity wanes down, people will realize that the diet they have depended on is not reliable at all.
To know more about these fad diets that are selling like hotcakes in the market today, here is a list of some telltale signs that would tell you not to try it even once.
Here they are:
1. Skipping meals
Does your diet plan require you to skip meals? If it does, then, it is a fad diet.
Abstain from food completely is not a healthy habit. It may even cause some serious complications or problems especially for people who are sick with diabetes.
Skipping meals will only cause a hypoglycemia, or the condition wherein your blood sugar is really low, and will probably only be effective in making you eat twice as much at the next meal.
2. Dieting without exercise, or vice versa
Exercise is crucial to the human body. It is important in the proper blood circulation and other activities of the human body system.
Therefore, diet plans that do not require you to exercise are nuisances. People are born to move.
But then again, exercise alone is not sufficient. Hence, it would be better if diet and exercise will go hand-in-hand.
3. Continuous dawdling
There is no better time to start losing weight. If you want to really lose those excess fats, you have to lose weight now.
Delaying tactics will not get you anywhere and will only make the problem worse. So, if your diet plan suggests a certain timeframe for you start losing weight, chances are, you are following the trend of fad diets.
Boiled down, it is best to rely more on the way you feel than the tale of the tape. This means that if the weighing scale tells you that you are losing weight even if it is slower than you would like, but you are feeling energetic and positive about your weight-loss efforts, then, you are just doing fine.
As mentioned and is worth mentioning all over again, weight loss is not a quick process.
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