Since mid 2011 companies just getting into online shopping have been doing market surveys to decide what are people buying online already and what are people buying at the mall that could be purchased online easily.

In fact the in store pickup is turning online shopping and shopping at the mall into the same thing, without as much hassle. It gets harder all the time to tell if a store is both an online merchant and brick and mortar store or just sells online.

Online Buying Downside

One of the benefits that previously belonged to online sales is freedom from sales tax. Online retailers now charge you sales tax according to the zip code for the address attached to your bankcard. Soon every state will require sales tax be collected and paid into their coffers. While not a good thing, this will make shopping online even more attractive as choosing home delivery means no gas expended to travel to the mall.

That covers the down side of online shopping. That really was a short list when you think about it. Here are our pick for online shopping trends for 2012.

Online Buying Highlights for 2012

Increase use of in store pickup. I have read that some stores have drive up windows where you can get your items, if you do not require assistance. That is a nice touch and shows what competition does to service related parts of a sale.

For smaller companies without a wide geographical spread of stores there are plans for generic pickup depots. That may work but only if it eliminates the freight charges.

The biggest selling item online at the end of 2011 was smart phone apps. This trend will continue for 2012 at least and perhaps beyond.

Technology efforts to provide virtual dressing rooms still exist. They have not gone over in 2011 as well as hoped by retailers. Fair return policies have not helped these unnecessary features.

Social networking is tying into online shopping even if the platforms are not doing the merchandizing and selling themselves. Look for more discounts from retailers for reasons like a high percentage of your followers liking a particular retail store. Marketing mechanics are going to increase to the benefit of shoppers in 2012.

Flash sales as loss leaders on great items will continue to draw buyers to the malls for inexpensive to medium cost quality good of all types.

Some fell that buying online from retailers in other countries will pickup but it did not even make statistics reports in 2011 and there is no reason for it to do better in 2012.

Virtually any existing employee ID badge can now be used to securely access corporate networks. Power LogOn works with your existing magnetic stripe, RFID, contact- and contactless-smartcard technologies. Here is just a list of just some of the card technologies Access Smart supports:

• Magnetic stripe (HiCo 3-track stripes)
• Contact memory smartcards (SLE4442, Gemalto’s GemClub, Cryptomemory, etc.)
• Microcontroller contact smartcards (Java, JCOB, Multos, MOST, etc.)
• Crypto controller contact smartcards (Java, PIV, PIV-I, CAC, SafeNet, etc.)
• RFID 125kHz Prox (XceedID, Indala®, HID®, etc.)
• Contacltess smartcard (Mifare®, DES-Fire®, EV1, iClass®, etc)

Image the cost saving of not having to rebadge all your employees or install a new credentialing system when you want to expand the badge’s functionality. By eliminating rebadging, offering employee self-enrollment and no backend server modifications, Power LogOn saves 40-60% off the cost of other multi-factor network security implementations. Finally, because Power LogOn licenses require no annual renewal/subscription fees and existing licenses are transferable to address employee turnover, the cost savings are even greater throughout the life of the project.

Information security (InfoSec) experts all agree that passwords are going to be around for years but they also need to be more secure. The problem with most company’s password security policies is that they are too cumbersome to manage: Longer password, More complex passwords, & Frequently changing passwords to list a few. InfoSec also point out that security increases with the addition of multi-factor authentication (something have, know and are). However, companies face the problem of how to pay for re-badging or issuing higher priced credential.

Access Smart addresses this problem by taking a complete systems approach by integrating credentials, encryption, biometrics, computers and servers to offer the greatest flexibility by leveraging off each component’s strengths. Why replace when you can extend. Since passwords are not going away, why not implement a solution that addresses security, low cost-of-ownership and ease-of-use. Here are just some of the cost savings you’ll realize with Power LogOn:

• No replacement, call-backs or re-issuance of the current installed card base
• No additional back-end server hardware modifications or purchases
• No annual subscription or renewal fees on licenses
• No expiration on licenses
• No need to purchase new licenses every time there is employee turnover.

If you are looking to extend the functionality of your current ID badges and don’t want to have to replace your current system, please contact Dovell Bonnett, Founders and CEO of Access Smart at 949-218-8754 for a no obligation free consultation to learn more.

Water leaks the way to stay away from inside your modern Bathroom designs pictures This could be everyone’s nightmare; at the very least it really is mine. You commit days designing your modern dream rest room then you obtain the contractors in to redesign your bathroom for you. When it truly is accomplished it looks excellent. It is all that you just frequently needed so you are so pleased which you nonetheless overpay the contractors. Very first time you use the shower you discover drinking water operating down the walls from the rest room area under. You might have the h2o leak! This has transpired to me and to a lot of individuals I understand and it spoils all since it is normally a lot far more hard to put proper problems that explanation the drinking water leaks compare to it would are already to disregard these inside the actually very first area. Bathroom tile design ideas Pictures Take a look at as a lot of photos when you can, in order to have ideal tips of what type of bathroom you will need for yourself. Actually, many sources around the world wide web have some models of all sorts for you to look at and you can choose that type within the resting of the house with out acquiring the necessity to pay a visit to anyplace. You’ll be able to even now get yourself a peek in towards the households of the mates who’ve got their Bathroom Showrooms remodeled lately. Every one of these alternatives will help you to seek out the best style on your bathroom that fulfills your needs. When the fitting is comprehensive, you will want to acquire add-ons that match. Glass mirror cabinets are good choice of vanity in modern bathrooms, because they are valuable and beautiful on the related time. Be sure to select bins and toilet brushes that coordinate also the decoration or your fittings and fixtures, to make sure the finishing touches are correct.

Foreclosure attorneys are the attorneys that the banks hire to complete foreclosure proceedings against a homeowner who has defaulted on their loan.

In most states if a house is going to be sold off at an auction, the foreclosure attorney must publish this information in a public location, such as a newspaper. You can use this law to your advantage to help you to generate highly motivated homeowners that you can potentially purchase their properties.

The first step is to purchase some of the major newspapers in your area. The reason why is because this is typically where foreclosure attorneys will publish ads to comply with the law in that homes that are to be sold off have a public notice.

Look in the newspaper for the ads and listings that have the properties that are scheduled to be sold at auction. Generally the ads should appear in some of the larger newspapers in your area. The reason why is because most states have a law stating that you have to advertise the property in what is considered a “general distribution” newspaper.

Of course you may want to also check some of the smaller newspapers in your area as well. The reason why is because some attorneys may advertise in the smaller papers to save on advertising costs. If the state that they are practicing in isn’t aggressive in making sure that they advertise in the larger papers, you can find a number of great deals in these smaller papers as well.

Once you locate the foreclosure notices, look for the names of the attorneys that are doing the advertising. In many states, you will notice the same attorney’s name being listed over and over again. What this means is that this attorney has done a good job at getting the large majority of the banks and lending institutions as clients for their foreclosure practices.

If you see a particular attorney listed on a lot of the notices, you should do a search and see if you can locate that attorney’s website. Many foreclosure attorney’s post all of the properties that they have a scheduled sale date directly on their website. If you are able to find that attorney’s website, you will be able to have a listing of a number of properties that are currently in foreclosure that are scheduled to go to sale at a public auction.

For example, in the state of New York, one of the main foreclosure attorney’s is Steven J Baum. His website is located at http://mbaum.com.

If you visit his website, you can pull a listing of the sales schedule. This is a list of all of the properties that are scheduled to go to sale at a foreclosure auction. It displays the date that the property is going to sale. It also shows the time, the location of the auction and the property address.

Keep in mind that this information isn’t guaranteed to be completely accurate. The reason why is because foreclosure sales for a particular property can be cancelled at the very last minute for a wide variety of different reasons.

For instance, if the homeowner files bankruptcy, attempts some type of loss mitigation effort, or there is litigation filed by the homeowner against the foreclosing proceedings, the sale can very well be postponed and not take place on the date that is scheduled in the newspaper or the foreclosing attorney’s web site. Therefore, you don’t want to assume that every property advertised is going to be auctioned on the date that is listed.

When you find a property with a sale date, the next step is to contact the homeowner. To do this, you will need to look up the owner information for the property. You have the property address. With this information you can locate the name of the owner of the property. Ownership information for properties is public record.

There are several ways to find out who is the owner of the property. With the address of the property, you should be able to find out what county and town the property is located at. You then want to contact the town and find the number to the tax office. If you call the tax office, you should be able to find the owner’s name and address as the tax office bills the owner for taxes due and sends out tax notifications.

If the owner’s name and address is the same as the property address, you know that the owner probably occupies the home. If the owner has a different address, that means that the home is either vacant or is currently occupied by somebody else (in most cases a tenant).

Now that you have the owner’s name and address, you can now contact the homeowner and see if you can work out a deal. If the property is worth more than the mortgage balance, you can propose buying the property from the homeowner. If the property is worth less than the mortgage balance, you can propose doing a short sale on the homeowner’s behalf.

There are several ways you can contact the homeowner. If the homeowner still lives at the house, you can go by the house and knock on the door. You can also look up the homeowner’s phone number online or in a phone book. You can also mail out a direct mail piece letting the homeowner know that their property is being sold and offering your assistance.

Using this simple strategy, you can have a number of free foreclosure leads that you can work for your investing efforts. If you are doing this in a large city or suburb, you can literally have more than enough leads for you to make a significant amount of income from in your real estate investing business.

by: Mike Warren

Multiple Income Streams University is an online site which will teach you on how to get money in 24 hours and never worry about losing any deal again. Visit www.misuniversity.com and know the secrets of building your real state fortune.

Well, Google + is finally available for everyone. Great news for social network junkies and for identity thieves.

It is interesting how the information requested in setting up your profile is some of the very same information asked by some companies to verify the user. Have you ever been asked those security questions like” What’s your high school?” “What’s your favorite pet’s name?”, etc.? Of course you have. What you need to be aware of that once you give those answers to your credit card company, mortgage or bank, those answers are stored and if any of these companies are hacked, which seems to be just a matter of time these days, then that information is out there and sold over and over again. If you are answering these typical questions the same way every time, you may find yourself wondering just why in the world thieves find it so easy to hack into your accounts.

So, if you are compelled to place all sorts of personal information into these social network profiles be sure you don’t use the same answers that you have used on other sites when setting up and answering security questions.

What I often do is use the answer for another question to answer the selected question. For example I might answer the model of my first car with that of my favorite pet. Keep your information safe by mixing it up from site to site. It is very easy to keep a spreadsheet with your answers but it is far from easy to restore your financial identify once it has been stolen.

Internet security or the lack there of, has made users suspicious and distrustful to all unsolicited emails. Let’s first take the argument from the personal perspective. We all have been hit with spam in our email accounts. We may have also experiences are own email address being hijacked by email spoofers. All with the intent to get the recipient to click a link or open a file to start the process of identity theft.

Attacks have gotten worst and more lascivious with the phishing and pharming emails that look like they are coming from Amazon.com, USPS, FedEx, eBay, Apple, Microsoft, and other respected companies only to discover that the links are to sites that grab your personal information, inject virus and/or to be the first step to breaking into your personal computer. One can’t even “unsubscribe” for fear that the link is bogus.

Sure, the “security experts” will tell you to buy their anti-virus and anti-spam software. Install a firewall on your computer. Keep all you programs updated with the latest patch. Give sage advice about not opening emails from people you don’t know. However, I am beginning to think these “experts” like all the attacks and breaches since it sells more of their products and services. Now I am not saying that you shouldn’t get security software and a firewall, but after all these years where users are bombarded with new attacks one has to wonder, who’s in control and do the software companies really care?

So, back to my point about email marketing. If you hate these emails and have become as suspicious as I have, why would you as a business owner utilize cold contact email campaigns in your own marketing plan and budget? The buying of email lists, monthly service fees, generating newsletters, and other old style self promotions is not worth the money. The very people you are trying to contact will delete all your messages. If you didn’t know yourself, would you ever open the marketing emails you send out?

Today, business marketing is more about people coming to your site or blog to read and learn about you and your products. People want to build a trust and rapport with you, and not be sold a product. The day’s of TV pitchmen may be going away.

People will trust sites that their friends know so the social networking campaign is important. You also want to develop RSS feeds, eZines, Twitter feeds, etc. The time and effort to integrate all this together requires a new type of marketing person. Be sure you get someone who knows what they are doing and not just repeating the buzz words.

Next, having a customer subscriber to an email newsletter to get the latest promotions and information may also become a waste of time and money. Instead, have a “member’s only” area that they sign up for where discounts and promotions are determined by the frequency of their visits.

As a security expert who constantly reviews different products, I review I’m still amazed at how software companies disregard the protection of a user’s data and personal information by treating it as an afterthought. Furthermore, as our internet usage moves more to a cloud based system, security of both the back end and front end has to Job 1.

In conclusion, instead of Caveat Emptor (let the buyer beware) or Caveat Venditor (let the seller beware) today’s phrase is “Caveat Computis Usor” (let the computer user beware).

You are not alone. We all go through periods like this at some point. The good news is that we can do something about it. Here are some tips to help break out of the rut and feel excited about life again:

1) Take a “Time Out” – Prolonged stress can wear us down and zap any enthusiasm we once had. Before doing anything else, take a few minutes to breathe and just BE. Empty your mind of all stress and worry. This takes practice, but don’t give up! As thoughts come into your mind, gently push them back out and continue to keep your mind empty and calm. Take slow, deep breaths and let all of your muscles relax. Sit quietly and recharge your batteries. Try to do this daily, or even twice daily (morning and night). We need quiet time as much as we need anything else in life. Give yourself the gift of inner peace.

2) Get Inspired – Read something motivational, inspirational or uplifting. Look at some beautiful nature photos, or read something humorous. Consciously move your thoughts to a more positive place. Focusing on nothing but work and our daily tasks in life can leave us feeling pretty uninspired. It’s easy to turn it around if we want to. We just have to seek out things that will lift our spirits and our moods. Make it a point to laugh, be happy, joyful and lighthearted each day. Don’t wait for inspiration to come knocking on your door, go out and find it, or create it. Conjure up some funny or touching memories. Write them in a journal so you can go back and read them when you’re feeling down.

3) Get Excited – Think about the things you have planned for the day, and rekindle the enthusiasm you once felt for them. When we first begin a new project, or start a new job, we are excited about the possibilities and eager to get moving! Over time, we can lose that enthusiasm for a variety of reasons. Travel back in time for a moment, and think about what got you so excited at the beginning. What made your heart beat a little faster? Recapture that feeling and hang onto it! Even if your tasks aren’t anything to be really excited about, at least think of some positive benefits to doing them. For example, list the ways they will benefit your children, your spouse, yourself, your job or your home. Identify the payoff, and focus on that. Even mundane tasks have some benefits. Sometimes it’s just a matter of switching our mindset to see the positive side.

4) Baby Steps – Sometimes the hardest part is actually getting started. A project seems so monstrous that we cringe at the thought of all that time and energy we’ll have to expend. Instead of overwhelming yourself, start small. Set a timer for 15 minutes and just start working on it. Allow yourself to stop after 15 minutes if you really want to. But most often, once we actually start working on something, we won’t want to stop. Don’t focus on the big picture, look at the smaller details and take them on one at a time. Any large task seems manageable once we break it down into smaller steps.

5) Care of the Body – Sometimes our feelings of fatigue are caused by physical deficiencies, not mental. Be sure you are getting enough rest, eating food that nourishes your body, drinking enough water, getting enough exercise, etc. Especially when we’re very busy, we tend to grab the quickest, easiest meals, which aren’t always the best choice for our bodies. Eating a lot of highly processed foods and sugar is like putting watered-down gasoline into our cars. In order for our cars to run smoothly, we need to maintain them properly, and so it is with our bodies also. Remember, the body is the vehicle for the mind and soul!

Finally, remember to reward yourself from time to time, and be gentle with yourself! There will always be things that “need” to be done. But some of us take on way more than we can handle, and our lives turn into a pit of drudgery because of it. Try to eliminate the things that truly don’t bring you joy, or at least minimize the time you spend on them. Do what you can, and let the rest go. Or ask for help. Don’t feel you have to do everything yourself.

Remember that motivation, just like happiness, is something we CHOOSE. We may need to give ourselves a little push at the beginning, but once we get into the right mindset, it’s simple to stay there if we choose to.

The missing link according to some of the online and offline businesses is in personal development, the motivation to identify, set and to systemically follow up your goals.

It’s said that everyday we choose what to do with our time. And that every little action that we are involved in, will produce results, whether desirable or otherwise. However, this is not news for most of the people who have been and are still trying to get out of the rat race by investing their time and money in businesses.

Most of us have been to seminars, have taken notes and have books and audios by the ‘gurus’ of self-improvement, all this without any long lasting favored outcomes. And we keep stacking up more ad more of the personal development materials as we continue to ‘buy hope’ that one day we will find the right program for us.  

We also look for that business which promises us all the right products, the right tools, support and a chance to make a quick buck without lifting a finger. And then it all happens again. Nothing works and we jump to another ‘ground floor’ business opportunity.
So what is missing here, what happens to the inspirational buzz we get when we attend a motivational seminar? The possibilities, the vision we attain when we listen to that goal setting CD. Why procrastinating again?

Well, I will tell you what is missing. The one ingredient, the catalyst that you must have if you are to succeed is a daily dose of continuous motivation to enable you to consistently replenish your inspiration and vision.

For beginners it is important that you get this daily dose until you become disciplined or habituated enough to go on an autopilot. The only challenge is; this continuous kick on the back side does not come cheap.

However, there are ways to achieve this daily dose without coasting you an arm and a leg. You can have a coach who will give you a weekly coaching session and get a friend to do the daily butt kicking. The ‘best’ friend to do this for you is the loud mouthed one, who can embarrass you in front of everyone if you haven’t done what you said you would do.

Another way is to have a personal improvement program which is monitored by a group of people who have one goal in common. This way everybody mentors and inspire everybody else.  This ‘co-mentoring’ can became unbelievably effective if there is an appropriate platform for this co-mentoring to happen.

The platform should consist of long and short term courses to maintain continuity and systematic personal-growth. The internet can provide such a platform whereas materials can be easily obtainable and individuals can communicate daily without breaking the bank. Wishing you all the BEST on your online business ventures.

Sal Al-Rawahi
To learn more visit http://personal-growth.successuniversity.com

Is it possible to teach confidence? Well, yes. Anything is possible!

Take drinking for example. Drinking is of course  a way of releaving stress but really in turn most of the time creates more…much more…? who would tend to agreee with me?  Like you had a long week or exams or life just isn’t getting you places or your life is too hard and seems like there is no way out or how about Asia. Everybody is just so damn busy and has no time for families or friends so when they do get the chance they want to drink it away. Then once the drinking begins. The talk starts of changing lives and big hopes and money and next minute. Heads are huge if they weren’t already before.

Guess what you wake up no closer to your dreams but have a nasty head ache and are probaby tired or else have wasted half of your day sleeping!Confidence you gain when your drinking isn’t really yours. If you get layed or get a hot date well don’t thank yourself but rather the poison sitting next to you or in your stomach. When the poison wears off you are still the same chicken that you were the night before. How long will this go on for?

So if you don’t get your confidence from drinking where does it come from then?  well 1st of all lets clear our heads and think straight here. hope you didn’t drink last night! Well everybody has to discover their own confidence and some people may discover theirs quicker and some people may never quite find all of it. well just listen to your heart and block out the stuff that isn’t bringing you in the right direction

I’ve grown up with my fair shair of love but know people who haven’t and all I can say is that I belive in you even if you don’t yet! Have you seen the “Conte of Monte Cristo”? Well God belives in you as well even if you don’t believe or have faith in him! Change can be hard but the hardest thing I thing would be too look back on a life of regret or chances that we didn’t take:

<i>”The only real regrets we’ll have when its all said and done is the chances that we didn’t take”</i>

<i>”We’ll never truly know what were capable of until we go to far” or “dreams are the limits of our success”</i>

Never give up. It’s never to late for anything!!!

If we want to improve our lives, we must first improve our thoughts. Harnessing the power of thought in a positive way has the ability to create great change in our lives, including our financial well-being and prosperity. But how? How do we take something as intangible as thoughts, and manifest them into a physical reality?

We must first understand that being prosperous is more than having a lot of money. Prosperity is a mindset, a way of interacting in our lives, and a way of thinking. Mastering this train of thought is not easy, but it is simple enough if we keep working on it consistently.

Following are some ideas to help you improve your thoughts, and ultimately attract more prosperity into your life:

Be grateful for the blessings in your life right now. Take a few minutes each day to express heartfelt gratitude for the good things in your life. Even more powerful, write a few of these blessings down each day. This helps to put your focus in the right direction — on abundance, not lack.

Use positive affirmations to begin training yourself to think positively. Use “I am” statements such as “I am worthy of all that is good.” Write the statements down and repeat them nightly before bed. Over time, this will implant these thoughts into your subconscious mind, and you will begin to naturally believe them.

Creative visualization can help you achieve prosperity by determining what it is you wish to achieve, and then thoroughly creating that image in your mind. This works in the same way affirmations do. Our subconscious will fill with images of prosperity, and eventually these subconscious “truths” will manifest in the physical. “See” yourself as being prosperous, and you will become so.

Encourage yourself with the belief that you can achieve great things. This could also be one of your affirmations, but expand on it. If you know you can earn a certain salary, tell yourself you can earn more. Allow yourself to believe all things are possible, and you will gain the confidence needed to reach higher than you ever imagined you could. If you believe you can do it, you are more likely to take the risks associated with people who are highly successful. Prosperity and success go hand in hand, so take risks and aim higher.

Start a savings account. As strange as it sounds, think about this: Like Attracts Like. Even if you can only afford to put a few dollars into your account every month, it will begin to build up and attract more money.

Finally, believe you are already wealthy. The creative ability of our thoughts is such that we lend more power and energy to whatever we consistently focus on. Focusing on lack will create more lack. Focusing on wealth and prosperity will create . . . guess what?

Remember that this is a process. You likely won’t change your circumstances in one day. But over time, with consistent focus, your thoughts will begin to attract what you want. Once you master this power of thought, there are truly no limits to what you can create!