Lucas

There is nothing quite like the South Pacific

2008-09-18T06:28:00.001-07:00

"You won't remember this but you should," a fellow passenger teases my 1-year-old daughter.

There is truth to his words. My husband, toddler and I are about to set forth on a two-week, 2,000-mile cruise across the South Pacific. Along the way we will anchor in Fiji, Tonga, the Cook Islands and French Polynesia.

Touted as a six-star ship, the Paul Gauguin, part of Regent Seven Seas Cruises, has won numerous awards, including a "Best Small Ships" top 10 ranking in the 2007 Condé Nast Traveler Cruise Poll. At 513 feet long, the vessel easily navigates narrow channels yet still feels spacious and sturdy. No wonder several passengers with whom we cruised have vacationed on the Paul Gauguin more than once.

With a crew-to-guest ratio of 1-to-1.5, service is exceptional.

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MasterCard Unveils World MasterCard(R) for Business

2008-09-17T07:56:00.001-07:00

MasterCard Worldwide today announced the launch of World MasterCard for Business, a premium payment card that provides high-spending small businesses with more spending power, superior customer service and enhanced rewards. The first business payment card to provide access to MasterCard Unique Experiences(TM), World MasterCard for Business rewards small business owners with superior services and experiences that can help them enhance their client relationships, improve their business or simply reward themselves. Chase Card Services, a division of JPMorgan Chase & Co. (NYSE: JPM - News), is the first credit card issuer to introduce MasterCard World for Business cards.

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Going Green Turns Into Sales Opportunity for Business

2008-09-16T07:23:00.001-07:00

There was a time when the only thing that was green was your lawn and for some of us, even that was questionable. However, there is a movement around the globe to go green. Simply put, that means to use devices and practices that are gentle on the environment and conserve energy.

With all of the electronic gadgets on the market out there one has to wonder what happens to them once they are no longer usuable. In steps Customer Service Cos. and there new ecoNEW program. Normally they provide extended warranties for the likes of Best Buy and Wal-mart.

According to Antony Brune of Billboard, "Participating retailers (which have not yet been announced) simply advertise that customers can return any electronics products they own--even if they weren't purchased at the store--to the program and in return receive an in-store credit gift card for a predetermined amount based on the type and condition of the device. EcoNEW handles all the collection and evaluation details and issues the gift cards directly."

Statistics on other similar businesses are showing a 12% conversion rate on rediscovered devices and nearly 70% of all the devices recovered under this type of plan are returned for the agreed upon fee.

Currently there are four companies that handle this type of program. They are Techforward, EcoNEW, Apple and Recycle Reward.

Each have their own specifications on how the buy back works and varying clients so doing a Google search on any of the companies should give you a better understanding of how they work.

For example, Techforward says, "Customers buy the plan at point of purchase for a guaranteed rate, then return the item using the program's free packaging and shipping." As for ecoNEW, "Customers fill out an online survey detailing what devices they want to get rid of and the condition of the product, and ecoNEW provides an estimate for the buyback, as well as free shipping." Apple offers to customers discounts on new products for returning older ones.

These types of buy back programs are wonderful opportunities for everyone to do their part in going green.

About the Author
Mr. Garcia is the electronics editor for http://www.Indocquent.com, an online advertising and social network medium where businesses can advertise their products and services without pay-per-click prices and auction fees.

Don't forget to download Indocquent's free social bookmark utility at http://www.indocquent.com/social_bookmark/social_bookmark_landingpage.html

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Recent discoveries from Americas Slogan Buster

2008-09-15T14:39:00.001-07:00

I WATCH AN AVALANCHE of college and pro football every weekend. Inexplicably, it has taken me all of my adolescence and most of my adulthood to reach a somewhat obvious conclusion:

Boy, there are a lot of commercials.

If you watch enough games on TV, you realize that all we do all day long pretty much is shave, swill beer, buy cars and seek pharmaceutical relief from erectile dysfunction.

Anyway, Couch Slouch is America's Viewer and, thus, America's Commercial Viewer, America's Slogan Buster and America's Product Tester. Here is a sample of my recent findings:

Taco Bell: "Think outside the bun." The new Cheesy Beefy Melt will never be inside or outside my bun.

Burger King: Going to Burger King to get the new Spicy Chik'n Crisp is like going to Boise to surf.

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Property scam retold to court

2008-09-14T21:53:00.001-07:00

It was a property flipping scam that brought together corrupt city officials who accepted payoffs to ignore dangerous housing code violations, a municipal court judge who served as the closing attorney and an unlicensed appraiser who went by the name of "Billy the Kid."

Yesterday, one of the architects of the scheme was in federal court to plead guilty to money laundering involving the fraudulent sale of run-down residential properties that were illegally rented to low-income families on federal assistance -- netting between $1 million to $2.5 million.

Michael Eliasof, 63, of Mahwah, once a top-producing real estate agent for Re/Max Property Center in Paramus, admitted orchestrating the sales of the houses in Paterson using phony paperwork in no-money-down subprime deals that quickly collapsed, leaving lenders holding worthless loans.

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Alibaba.com shares begin listing up 124 pct

2008-09-13T21:24:00.001-07:00

Shares in Chinese online marketplace Alibaba.com opened to huge demand in Hong Kong on Tuesday, rising 124 percent from the initial public offering price in early trading, dealers said.

Stock in the company, which links Chinese manufacturers with buyers across the world, soared from the offer price of 13.5 Hong Kong dollars (1.74 US) to 30.20 dollars, they said.

The sparkling opening comes after demand from institutional and individual investors surpassed allocation 150-fold, underlining the virtually insatiable demand for Chinese equities in the midst of China's economic boom.

The firm raised 1.5 billion US dollars with its IPO, in the process becoming the biggest Internet offering since Google in 2004.

Investors have been attracted by the company's potential to tap both the mainland's thriving manufacturing and Internet sectors.

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Thomas Sowell:

2008-09-12T00:32:00.001-07:00

HIGH school seniors who want to go to a selective college in the fall of 2008 should already be making arrangements to take the tests they will need before they apply ahead of the deadlines for such schools, which are usually in January or February.

One of the consequences of taking these tests is that, if you do well, you may be deluged with literature from colleges and universities all across the country.

Some students may feel flattered that Harvard, Yale or M.I.T. seems to be dying to have them apply. But the brutal reality is that the reason for wanting so many youngsters to apply is so that they can be rejected.

Police beat

2008-09-11T03:20:00.001-07:00

Burglars stole a wallet and loose change between 9:30 p.m. Sept. 18 and 6:30 a.m. Sept. 19 out of an unlocked 2005 Chevrolet van parked at a house on the 26000 block of Elm Tree Road, police said. Value was estimated at $127. According to reports, someone tried to use a credit card in the wallet once at a Fox Lake store and twice at an ATM machine.

Fox Lake

Bear that survived Idaho tornado shot by camper

2008-09-10T00:46:00.001-07:00

Mortgage Glossary of Terms

2008-09-07T01:43:00.001-07:00

A brief list of some of the most common Mortgage terms.

Adverse Credit

The term used if the borrower has a poor credit history. This could include previous mortgage or loan arrears, bankruptcy or CCJ's. Other
terms used to describe an adverse credit mortgage include:

Bad credit mortgage
Poor credit mortgage
Non status mortgage
Credit impaired mortgage
No credit mortgage
Low credit score mortgage

APR (Annual Percentage Rate)

The interest rate reflecting the cost of a mortgage as a yearly rate. The APR provides home buyers with the ability to compare different types of mortgages based on the annual cost of each.

Arrangement Fee

The fee you pay your Lender in return for them providing you with a mortgage. Usually paid on completion or with your application, these fees usually apply when you take out a fixed rate, discount or cashback mortgage.

AST (Assured Shorthold Tenancy)

A form of tenancy that gives the landlord the right to repossess their property after a set amount of time laid out in the tenancy agreement. New tenancies are automatically ASTs unless otherwise stated.

Assured tenancy

The landlord can charge a market rent (the current rate for similar property in that area) and take back the property under certain conditions, as set out in the Housing Acts of 1988 and 1996.

Bridging Loan/Finance

Short term loan to enable the purchase of one property before the sale of another essentially releasing funds that are required for the purchase. You should always consult a professional before considering any bridging
finance as it could be a solution that is worse than the problem.

Brokers Fee

A fee charged by an intermediary or advisor for locating the most appropriate mortgage for the borrower.

Buildings insurance

Insurance you can take out when you buy a property that will cover the
cost of any damage to the house and or contents..

Buy to Let

A mortgage meant for those who wish to purchase a property to rent out to others. The decision on whether you are able to repay this type of mortgage is often based up on the future rental income from the property rather than the personal income of you the borrower.

CCJ (County Court Judgment)

A judgement reached in the County Court generally realted to non payment of a loan, mortgage etc debt in general. If you pay off the debt, the CCJ will be satisfied and a note is put on your records that states this.

Chain

A housing 'chain' made up of a number of buyers and sellers, essentially the line of buyers and sellers involved in each house move.

Charge

Any right or interest, especially with a mortgage, to which a freehold or leasehold property may be held. Basically a charge is the claim the lender has on the property until the mortgage or loan is satisfied.

Completion

The term used when the seller and buyer exchange the finances required
to buy a property through their respective solicitors. At exchange of contracts
a deposit, usually 10%, will have been paid. At this point the buyer
becomes legal owner of the property.

Conveyance

The legal process in which ownership of the property is transferred
from the seller to the buyer. Generally undertaken by a solicitor,
or licensed conveyancer.

Early redemption fee

If you decide that you want to sell your property or remortgage then
you will be redeeming you mortgage early. Most lenders charge a penalty fee,
especially during any period of a fixed, capped or discounted rate. Be sure
you are clear about any potential penalties when you are about to take on a mortgage.

Equity and negative equity

The amount of value in a property that isn't covered by a mortgage - simply take the amount of the mortgage from the valuation to work out the equity. This is where the money you owe on the mortgage is greater than the value of your property.

Exchange of contracts

The contract is a written agreement that lays out the terms between the buyer and the seller. When both parties exchange contracts, usually weeks before completion, the deal becomes legally binding. Often a deposit of around 10%, is paid at this stage.

Fixed Rate

A set interest rate on a mortgage fixed for a period of time. This varies from lender to lender.

Freehold

If you are the property owner outright then your property is freehold.
Most houses are freehold wheres many flats are leasehold, since you are not the
owner of the whole building containing the flats.

Gazumping

If you are in the process of purchasing a property and your offer has
been accepted but the seller gets a better offer, before you complete, and takes
it then, you've just been 'Gazumped'.

Interest Only Mortgage

A mortgage whereby the borrower is only required to pay inerest on the amount borrowed during the mortgage term. It is the borrowers responsibility to ensure that enough funds will exist (either through an investment policyor other means) to repay the full mortgage at the end of the term.

Intermediary

A mortgage broker or advisor who finds the most suitable mortgage for a borrower and arranges the mortgage on their behalf.

Leasehold

If you buy a leasehold property you don't own the property rather the right to live there for a specified period of time, however much time remains on the lease. The owner of the property is called the freeholder or landlord.

Liability

This relates more to commercial mortgages. With a commercial mortgage liability for the repayment of the loan depends on the legal structure of the business:

A sole trader will be personally liable for the mortgage debt. Personal assets could be seized if the business defaults.

Partners are jointly liable for the debts of the partnership and their personal assets are at risk

With a limited-liability partnership and a limited company, the liability falls firstly on the business rather than on the individual partners and directors. The lender may take a floating charge on business assets in general, rather than simply on the current property being purchased.

The lender may also insist on personal guarantees as a condition of granting the loan, in which case the partners and directors may be held personally liable anyway.

Life insurance

If you have a joint mortgage, life insurance can be acquired that will
see the mortgage paid of should one of you pass on.

LTV (Loan to Value)

The size of the mortgage as a percentage of the value of the property i.e. A 90k mortgage on a house valued at 100k would mean an LTV of 90%.

MIG (Mortgage Indemnity Guarantee)

A one off payment made when you set up a mortgage a kind of insurance policy for the lender. This offers them protection against the
value of the home falling to less than the mortgage. It is generally only charged
to borrowers with a less than 10% deposit, but this can
vary.

Mortgage

A loan to buy a property where the property is used as security against you
paying back the loan.

Mortgagee

The company or organisation that lends you the money.

Mortgagor

The person taking out the mortgage.

Non-Status

Where a lender may not require income details from you or may accept
some previous poor credit history i.e. CCJ's or previous mortgage arrears.

Payment Holiday

A period during which the borrower makes no mortgage payments.

Regulated tenancy

A legal right to live in your accommodation for a period of time. Your tenancy might be for a set period such as a year (this is known as a fixed term tenancy) or it might roll on a week-to-week or month-to-month basis (this is known as a periodic tenancy).You are a regulated
tenant if you moved in before 15 January 1989, you pay rent to a private landlord
and your landlord does not live in the same building as you.

Remortgage

The taking on of a second mortgage to pay off the first. The most common reasons for doing this are that another mortgage is available at a better rate or that the value of the property has gone up allowing for the opportunity to borrow more money against the property.

Right to Buy

For example, a tenant in a council owned property may purchase the property at a discount depending on length of their tenancy.

Self Certified

Generally when a borrower applies for a mortgage he or she will be asked to provide pay slips or company accounts to prove their income. If it is difficult or inconvenient for you to provide this evidence, you can choose to self-certify your income. This involves signing a declaration which states your income sources and amounts. Lenders will charge you higher rates than average and offer you a more limited range of mortgages if you choose to self-certifyyour income, in general it's not a good idea to self-certify just to avoid some paperwork.

Stamp Duty

Tax paid by the buyer of a property set at 1% for properties over 60k,
3% for properties over 250k and 4% for properties over 500k.

Structural survey

The most wide ranging check of the structure of a property. This is carried out by professional surveyor and should uncover any defects or faults with the building.

Tenancy

A legal written agreement between a landlord and tenant that sets out
the terms of the rental.

Term

The period of years over which you take the mortgage and repay
it.

Term Assurance

An insurance policy designed to repay the mortgage on the death of the insured person. Level Term Assurance covers a principal sum throughout the policy term and pays out the full amount on death. Reducing Term Assurance is designed to repay the balance outstanding on a repayment type mortgage upon death. Term Assurance may also pay out early on the diagnosis of a terminal illness.

Underwriting

The process of evaluating a loan application to determine the risk involved for the lender. This involves an analysis of the borrower's creditworthinessand the quality of the property itself.

Unencumbered

Where the property is owned outright and no mortgages or loans are secured
against it.

Valuation

A simple check of the property in order to find out how much it is worth and
whether it is suitable to secure a mortgage against.

Valuation Fee

The fee paid by a borrower to cover the cost of the lender checking that the property is suitable security for the mortgage.

Variable Rate

A type of interest rate the lender can charge. It goes up and down and your repayments change accordingly.

Vendor

The person selling the property.

About the Author
Specialists in Bridging Finance and Commercial Mortgage lending Commercial Lifeline. Independent UK based Commercial Finance brokers.

Feel free to reprint and distribute this article as you like. All that we ask is that you do not make any changes, that this resource text is include, and that the link above is intact.

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Got the urge to remodel? Ask yourself these five questions before you start

2008-09-06T14:39:00.001-07:00

I have a friend in Raleigh who is remodeling his kitchen. Every day I get digital photos of granite, hardwood and cabinets. Do you know how hard it is to detect flecks in granite from a digital photograph?

But in trying to be helpful, I realized that my friend had not asked himself some basic questions everyone should consider before they start a remodeling project.

1. Why do you want to do this?

ABCs to ACTs

2008-09-05T12:25:00.001-07:00

The Montgomery County Commission recently issued a resolution designating Oct 21-27 as Character Education Week in Montgomery County.

Blount Elementary: Fifth-grade students in Mrs. Hampton's class will give speeches this week in conjunction with a unit on expository writing.

Booker T. Washington Magnet: Representatives from Montgomery Area Crime Stoppers and the Montgomery Police Department will talk to students at 10:15 a.m. today during assembly. Their topic will focus on ways students can keep their schools and community safe.

Make Your Business Cards Work

2008-09-03T23:36:00.001-07:00

What's the cheapest, most under-used marketing tool you have?

The answer's no secret ... it's your business cards. If you aren't making them work for you, you may be missing an excellent opportunity at leveraging a cost effective marketing tool.

By the time you have read this article, you'll know several ways in which you can increase your profits by wringing every last cent of value from the advertising power of business cards.

Business card content

Everyone knows what a business card contains, so I'll keep this brief and focus on what some people don't have on their cards.

Every possible way to contact you. Don't just give your address and telephone number - give it all; fax, phone, mobile, email, street address, postal address and if you're keen, an after hours contact

Your Internet site URL. If you have one, put it on EVERYTHING
In Australia your Australian Business Number or Australian Company Number (or equivalent elsewhere). People may not deal with you if they think you are not equipped to handle Goods and Services Tax or are too small to have an ABN or ACN

Use the back to advertise. This can change each time you print or you can summarise - in dot point, the services you offer which are not always obvious from your name.

A byline. If you don't want to advertise on the back, think of using a byline, a short statement about what you do, 'Producers of the best hamburgers in Cuba'

Colour and professional design. People like colour. They like attractive design. Make sure your cards have both

Cost effective advertising

The last supply of business cards I bought cost me 0.07 cents Australian per card; the last classified advertisement I lodged cost me $72. While the newspaper advertisement will get much more coverage for a day or two, I have no control over who reads it. Among those who do, thousands will have no personal interest in my offer and still others might never get to the classified advertisements pages. Many will throw out the paper in a day or so and my three line ad will be gone forever from their houses and minds.

With my business cards, however, I can target where and when I leave them or to which individuals I hand them in order to get the greatest advantage. Of course, there is never a guarantee that where I leave them will result in sales, but at least people do keep business cards. The idea is to increase probability ... the probability that the recipient will want my goods or services. Here's an example.

Target marketing

Recently I attended a workshop about Email Marketing which was also attended by about 50 others. As the products I sell include three high capacity email management software systems, this was an opportunity I couldn't miss. I left a card at every place mat on every table.

If the target audience was interested in email marketing, wasn't there a probability they might also be interested in email software? Sure enough, I received 11 enquiries within a few days of the workshop and sold three copies of the software.

Had the workshop been about 'The Metallurgical Use of Sodium Cyanide' how successful do you think I would have been?

When you use target marketing, you may have to offer a financial incentive for someone to distribute - or allow you to distribute - your card. If someone asks for a commission to distribute my business card, I'm happy to oblige, but I also expect to be allowed to leave a brochure. The incentive I offer is this: If you agree for me to leave my sales brochure, I'll use a code within the brochure that lets me identify a sale as coming from your workshop, shop, seminar or whatever. For every sale I'll give you a percentage commission.

If you do this often, you can set up an affiliate program through Clickbank, Sharesale or someone else who provides affiliate management programs. But I don't create affiliates for short-term ventures that may last only a few weeks, it's too much work.

Depending on the goods or services you sell, you can leave your business cards at business offices. For example, when I visit a real estate office I see business cards for insurance brokers. When I go to the insurance brokers, I see cards from real estate businesses. This can be a mutually beneficial arrangement that costs nobody. If you do it though, you must ensure you don't neglect your business card holder ... keep it stocked.

When you get a chance, identify those businesses whose customers may also want your complementary products or services. Talk with the owners/proprietors and see if you can arrange to leave your cards there. Remember, nothing ventured, nothing gained.

Even your friendly Chinese Cafe may be a good place to get some exposure. A cafe I visit every couple of months has a cork wall board bristling with business cards. Every time I go there I leave three or four of mine. They always need replacing, so someone is taking them. And let's face it, they aren't good for much else but reading.

Ask your friends to pass your cards to people they know -their sphere of influence - referral is an excellent method of marketing. Hand them out to people you meet at work - at play - anywhere if you feel they are prospective clients.

At the end of the day, you need to use every conceivable method to keep your firm's name in front of as many people as possible. After all, if they don't know you exist, why will they call you when next they want a new batch of widgets?

The cheap, humble business card can be a very effective marketing tool if you use it wisely. How well are you using yours?

Robin Henry is an educator, human resources specialist and Internet marketer whose firm, Desert Wave Enterprises, helps individuals and businesses improve their performance by using smart processes, smart technology and personal development. He lives at Alice Springs In Central Australia, but his online presence is available worldwide eg, lately he has been assisting US-based firms deal with Australian Government under the US-AUS Fair Trade Agreement.

Visit Desert Wave Enterprises.

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Toss up a quick chopped salad

2008-09-03T13:22:00.001-07:00

Let there be no confusion. A chopped salad is not the same as a tossed salad, though you do cut up ingredients to put in a tossed salad.

And you do toss a chopped salad. But in a chopped salad, everything generally is cut into bits that are roughly the same size. (Obviously some things, such as kernels of fresh corn, or minced garlic or sliced green onion, won't be exactly the size as a cube of smoked turkey.)

.

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My Blog Is A Failure

2008-09-03T01:03:00.001-07:00

I think I'll just go somewhere and put myself out of my misery...having similar thoughts? Maybe I can help.

I've been working at this blogging thing for more than a year and I haven't really made any money and I don't get many visitors and I am a miserable failure. My blog is a failure and I think I'll just go somewhere and put myself out of my misery... Have you ever read a blog post like that? I have, and I've seen very similar ones all over (not quite as bad) from people that were certainly discouraged by their lack of blogging success. That one was about one of the most extreme posts I've read, and that person has pretty much just given up. Have you ever been at the end of your rope with your blog? You're not getting any comments, you don't get many visits, you're not making any money, you don't know what to post about, you're not meeting your goals - maybe you don't even have any goals yet! You are thinking about the success you once dreamed of as a blogger and you're now thinking of yourself as a failure.

That post I read resonated with me because I've been at crossroads like this before myself. Time and time again I was ready to quite because I didn't think I was getting anywhere. In the back of my head I always remembered something Shoemoney wrote on his blog. It was about people having the perception that he was some kind of "overnight sensation" raking in tens of thousands on his site with ringtones. He pointed out that the first two years he tried to make money online me made nothing. Not a single penny. He even got fired from his day job for working on his ringtone site at work (that wasn't making any money yet).

Success is never overnight. Success is a learning process, and with blogging it's "learn as you go". I think of Stevie Ray Vaughan who rose to fame in 1981 with his first album and hit single "Pride and Joy". His success seemed overnight. Most had no idea he was born in 1954 and had been playing since the age of twelve. From 1970-1980 he played, and played, and played, and played on stage some more perfecting his craft. It's not to say that he didn't have true natural talent. But his incessant passion for music and refusal to give up on his dreams and goals drove him to never give up and press on. The fact that he did nothing but eat, sleep, and breathe his craft for more than a decade while practically living as a vagrant made him into the talent that he was.

I'm not saying you need to blog for 10 years without making money or being successful in any way, but you need to be realistic about what it is that you expect. I put this blog online in June 2007. I am thankful for the growth I've had so far in the last 10 months and look forward to the next year. I by no means think that I'm a huge blogger (yet). I do think I'm in a position to tell you about what I've experienced so far, and maybe it will help you.

What to Expect Your First Month of Blogging

If you're brand new to this "blogging" think the first month is where you will have your first challenging time. I think it's honestly where most people quit. They quit because they don't have a plan for blog success. The first challenge you actually have is setting your blog up the first time, getting a theme you like, and learning your way around your blog. The next issue you have is posting content, and create quality consistent content that people will read. My answer to "what to expect" your first month blogging is "a lot of work"! Whatever you get, you get, but dont expect much of anything your first month of blogging in terms of visits or money. Think of it as the first month on the job or first term at school. You're still trying to get acclimated to how things work.

Here's a (very) short list of things to think about the first month:

Does your blog have a (topic) theme?
Did you ask a few friend or fellow bloggers to test it and give you feedback?
Is your blog sluggish, or do the pages load fast?
Did you post a least 2-3 times per week each and every week?
Do you have a contact page and about page?
Are you tracking stats somehow, like Google analytics?
When you type your domain name in Google - do you get results yet?

What to Expect Your First 90 Days of Blogging

After your first 3 months of blogging you should feel like you have a bit of a routine. You should be regularly posting, and even have a few ideas for posts stacked up. If you don't (like I didn't) you need to get more organized. Keep a pen and paper handy and write down all of your ideas as you get them for later use. Also read lots and lots and lots of other blogs - and you will get all sorts of ideas to write about. Make sure spending quality time blogging and not wasting time. Now that you have some content (after the first month), get your blog registered with google, Yahoo!, and MSN. Also learn to track your search engine rankings to figure out where (and if) people are finding your site in search engines. Signup for some of the social blogging networks and reach out to other bloggers. Check out myBlogLog, BlogCatalog, Bumpzee, entreCard, or one of the many other ones out there. You can do this by messaging people, commenting on their blogs, offering to guest post, or advertising on blogs. The more you interact with other bloggers the more exposure you will get.

Explore new wordpress plugins (if you use Wordpress), or figure out ways to creatively expand your site and make it more useful for your visitors with plugins and modules. Regularly vivew your blog stats and learn which google analytics are most important. You should be learning How to do Basic Keyword Research, and How to Build Links. If you're using Wordpress Learn How to Manage Wordpress More Effectively, if you're using another blogging platform - learn more about it, how to hack it, and customize it more to your liking. Also begin to learn How to Monetize Your Blog if you haven't already. Learning how to convert your traffic into a monthly income is possibly one of the most important things you can do - and may (in the future) be the only thing that keeps you from quitting. Nobody wants to blog for free forever.

At the 90 day mark you can expect to have some kind of regular traffic, whether it's 15 visits a day or 100. You should be on a regular posting schedule and have posting ideas backed up. You should know the ins and outs of your blogging software and be comfortable making some custmizations. You should have some type of monetization, and be constantly learning how to promote your site in as many ways as possible. You may or may not be getting regular comments on your posts at this point, and your traffic may not be that great. You might not even have a google pagerank yet or good search engine results, but you are in "build mode" at this point. You should be both reading and writing a lot. Think of this phase as your "blog internship".

The 6 Month Blogging Milestone

This should just about be the turning point for your blog. If you've been posting 2-3 times per week (at least) you should now have more than 50 posts. For me, it just seems like that's the point where things start to get a bit easier. It's like being on the job a year or two or getting halfway through high school or college. You know what to expect, you know what's going on - you seem to have a pretty good handle on things. If you did everything I said to do for the previous two milestones than you should have 50+ articles with a few "pillar" articles being the attraction and the rest contributing a little bit each day. Hopefully you've got 50-100 comments on your posts at least, and 100-300 visitor's per day. You're somewhere "in the mix" out in the blogging community and you have some followers in your own blog community, and other bloggers may know you as part of theirs. You should be used to posting and writing, so it's time to do a few additional things to give you an extra push.

Check Your Sitemap against your SERP's to ensure indexing in the search engines is going well. You should have enough posts now to think about going back and making previous posts more profitable. Now that you have lots of posts stacked up, think about organizing your site using pages. Monetize your Search Results with products or Create your own theme. You could even add content by creating an entire affiliate store from a data feed. Now that you have enough articles you can seriously consider submitting your best content by learning how to do article directory promotion.

Create Your Own Blogging Milestones

If you haven't already realized it, everything you do as a blogger is just a building block. Like a lawyer building a reputation, a pastor building a congregation, a mechanic building a customer base, or a doctor building a base of patients - YOU as a blogger are creating your own milestones. You should be making goals and plans to reach them. Analyze where you are now and where you want to be. What will it take to get there? Make a short, medium, and long term goal. If you have 100 visitors per day now what would it take to get 200? If you make nothing on your blog now, what would it take to make enough to pay for your hosting bill? How many posts and comments do you want by the end of the year? Goals that you achieve will be your own milestones. Do what I did awhile back and analyze what are the habits of successful bloggers.

Your blog is not a failure. It's 5,000 mistakes from success...

John Pratt writes free guides and blog help at JTPratt's Blogging Mistakes. Additional help and resources for this article can be found at My Blog is a Failure. John also reviews gadgets at Used Cell Phone Bargains.