Here’s my ten ways to save money when you have kids !

1. Take them to parks instead of shopping malls. If they don’t see the temptations, they don’t want them. If they don’t want them, no temper tantrums to deal with, no fighting with yourself over whether or not to spend the money to keep them quiet etc. Just avoid getting into potential trouble in the first place.

2. Watch DVDs instead of turning on the TV. You get to control what they watch. You don’t have to worry about adult advertisements coming on at the wrong time. You don’t have to worry about commercials telling them what they really need to get you to buy for them.

3. Borrow books from the library instead of buying them. How many times do you really want to read Piggywiggy goes to Space anyway ? Also saves you having to move to a bigger house because you have run out of storage space for the books.

4. Return your DVDs and library books on time ! Don’t waste money on fines !

5. Kids don’t really have to be in branded clothes. The in-house brands are perfectly acceptable. They outgrow them so quickly anyway.

6. For that matter, kids don’t need new clothes all the time. Go to garage sales, learn to shop on e-bay, heck, accept hand-me-downs and be grateful. who knows, you can get some really good branded stuff for less than what you would pay for a new no-brand suit !

7. Get toys with multiple functions. I find blocks, legos or those things that allow kids to link things are great. That way, when they go through a train phase, a gun phase, a car phase, a castle phase, a sea creature phase, or whatever, they just build the toys they want !

8. Be creative ! Kids usually prefer the boxes that their presents came in anyway. Use old boxes, paper, egg cartons, whatever. Make toys with them. They play just as long with them as the train set you spent $100 on.

9. Don’t use toys as bribes or rewards. Think of other things they like. Offer a trip to the zoo, bake a cake with them or something.

10. Put them to work. Mine aren’t old enough to realise the difference between play and work so getting to mop the floor with a real wet mop is a real treat ! They’ve spent hours just with a little bucket and their own cloths wiping up things.

To get the best instant auto insurance on the internet is not difficult but also it is not easy. To get the best online auto insurance on the internet you have to get quotes from as many auto insurance companies as you can and then you choose the best auto insurance company that can give the best auto insurance rates with the best policies. To do this it looks like that it is very easy and not difficult. But if you know the fact, doing that think is not that easy like it looks like.

You need to submit your personal information on each auto insurance companies website. If you want to get quotes from as many auto insurance companies on the internet as you can, then at least you have to submit your personal information 20 times. You will waste much of your time. How ever doing it online is faster than doing it manually (visiting the store or the office of auto insurance companies). But there is still much better way to get quotes from auto insurance companies online, you can visit carinsurancerates.com. On the web site you just need to submit your personal information once. Then the site will automatically search the best auto insurance companies that suits the best with you. This is a better way to get quotes.

There are thousand of people choose a second mortgage loan to save their money with using their home values. With second mortgage loan, people can pay any loan and bills into single payment. People can earn cash up to 80% of the value of the house. And the house is used as the collateral. With this amount of money, the borrower can use the money for several things:

1. If they decide to have a second mortgage loan, then I believe that the borrowers have financial problem and need a huge amount of money so they can survive from the situation at least temporarily.
2. The second benefit is the interest rates of second mortgage loan probably lower than other type of loans. This can make you easier to breathe.
3. The third benefit of second mortgage loan is tax benefits. Getting a second mortgage loan can save tax so you can save your money.
4. The last benefit of second mortgage loan is if the price of you property or house significantly increase then you can save much money.

Above are the advantages of having a second mortgage loan. You can use the money for you second mortgage loan for anything you need. After you finish your financial problem, then you can focus to repay your second mortgage loan.

Many people is wondering about what they are going to do if they are losing their job. However, do you know that there are a lot of ways that you can do to make money outside? As long as you know what you should do.

The technology of internet today is not only offer you the fast information that you need every day but also opportunities to make money from internet. Launch your personal products and advertise it in internet is one of the best solutions; you can sell it to not only local consumer but also the world wide. And to optimize it what you need is the search engine ranking for your website and SEO Software can give all that you need. It is one of the SEO Suggestion Tools that you can use to reach the high pagerank in search engine such as Google or Yahoo. And today you can Get free traffic by SEO. What an ease of life you can download the Traffic Travis software for free.

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Debt consolidation. People must have heard those words so many times. But do you really know what debt consolidation is, and what are the advantages of doing debt consolidation?

Well if you don’t really understand it, first you have to know what debt consolidation is. Debt consolidation is taking out one loan to pay off many others. This is often done to get a lower interest rate, a fixed interest rate, or for the convenience of servicing only one loan.

Debt consolidation loan can help people with their loan because debt consolidation doesn’t damage your credit score. Instead of debt consolidation, you may use debt management service, that also can help you managing your debt payment, but it will hurt your credit score in the future. So, this kind of loan is very useful in your credit card repair.

Debt consolidation helps you to make it easier for you to remember your payment. Consolidating your debt means combine your several debts into a single debt, so it will also make your debt payment simpler. You don’t have to remember due dates of all your debts, because now you only have to pay a single debt.

Debt consolidation can make your interest rates lower. Turning your loans from unsecured one to a secured debt consolidation loan can lower the interest rate that you have to pay.

Buying a small business for sale is a much different purchase than a larger, more complex mergers & acquisition transaction. A small business purchase is based on sound financials but it is also based on the right fit with the buyer. Compatibility with the company for sale is critical to the success of the venture.

This article will explore some of the things to think about if you are considering buying a small business.

Is the business right for you?

Often, buyers of smaller businesses will go through the process of buying a company and be focused on the financials (which are important), the due diligence process and the actual work involved in buying a small business. The first day after the deal closes can be a moment of panic, excitement – or a combination of the two. When you are working with a business broker, looking for a business to buy, please take the time to reflect on what you really want to do. Can you really see yourself working in a business that you own and putting in significant hours as the owner & operator? Running a small business can be quite labour intensive. Oftentimes, a buyer is replacing a job and is looking for an entrepreneurial venture to focus their attention on. Whatever the case may be, please take the time to consider carefully if the business truly is right for you. You’ll be glad that you did.

Does your family support the venture?

When a person buys a small business, it is a major commitment in time, money, energy, and risk. It requires perseverance to succeed. Take the time to have a conversation with your family to get a true sense on what their feelings are about the investment. Buying a small business will affect everyone in the family so please get every member’s input before you make the investment.

Are you comfortable with the risk?

Buying a business does require a level of risk to be assumed by the purchaser. After all of the due diligence is completed and all the identified risks are mitigated as best as possible, there still remains a level of business risk that must be assumed. The final leap of faith when buying a business is difficult for some investors and they get ‘cold feet’ at the last instance. Before you start looking for a business to buy, do an honest assessment to discover if you are ok with the risk involved with business ownership.

How well do you know the market?

Buying a business is a long process that can take several months of searching until the right business opportunity is found. Sometimes, a “right” business is found that is in the right industry but not the right geography. Sometimes this is ok but sometimes extra caution must be taken. For instance, the process of buying a restaurant business in Toronto, Ontario is much different than buying one in other parts of Ontario – even in a relatively large city like Hamilton. A business buyer from the GTA might be searching for small businesses in Toronto but discover one that fits in all ways but is located in Burlington instead. Although the buyer may be familiar with running such a venture, the markets are much different so it is important to do your homework on the area, competition and other local factors. Also, when you buy a business in another city please take into account such factors as the commute, as this could impact your quality of life.

Buying a business is a journey that requires financial prudence but also one that requires some insight into yourself and what you are looking for from the venture. Be honest with yourself and take the time to consider all the variables – not just selling price and the bottom line.

Case Emphasizes Importance of Providing Clear Notice of Change of Online Terms

The US Court of Appeals for the Ninth Circuit recently held that the proposed modification of an online terms of service agreement which was simply posted on the company’s web site, was not effective against a company’s customer who had no notice that the terms had changed (Douglas v.

U.S. District Court for the Central District of California, 9th Cir., No. CV-06-03809, 7/18/07). The recent case questions the common practice of many companies to merely post revised terms on their web sites and emphasizes the importance of taking steps to provide existing customers with clear notice of material changes to online agreements.

Facts of the Underlying Case:
The plaintiff had entered into an agreement with America Online Inc. (”AOL”) for the provision of long distance telephone service. AOL subsequently sold its long distance telephone service to a third company called Talk America Inc. (”Talk America”). Upon purchasing this business, Talk America made several changes to the services agreement that was to be binding upon its customers. Among the significant changes, Talk America imposed additional charges on its customers, required its customers to waive their right to bring any class action against the company, required its customers to assent to an arbitration provision and to agree to a choice-of-law provision that would designate New York law as the governing law of the agreement.

Following the changes to the agreement, the plaintiff continued to use the services of Talk America for a period of four years without any objection. Upon become aware of the additional charges, however, the plaintiff filed a class action lawsuit, claiming various federal and state-law causes of action. Citing the arbitration clause in the revised services agreement, Talk America made a motion to compel arbitration. The lower court granted the motion, and the plaintiff appealed.

Decision and Legal Reasoning:
Before the Ninth Circuit Court of Appeals, the plaintiff contended that Talk America had changed the service contract without notifying him. The lower court dispensed with this argument by observing that Talk America made the service contract available on its Web site which the plaintiff could have accessed and read should he had wished to understood the terms under which he was receiving the services. On appeal, the plaintiff contended that because the monthly charges were charged automatically

to his credit card, he did not have occasion to visit the provider’s web site each month. The lower court did not address this argument of the plaintiff. The Ninth Circuit addressed it, and then dismissed it, contending that even if the plaintiff had visited Talk America’s Web site to pay his monthly bill, he would have had no reason or obligation - to look at the service contract posted there.

The court contended: “Parties to a contract have no obligation to check the terms on a periodic basis to learn whether they have been changed by the other side.”

The court relied upon traditional principles of contract law, contending that a party to a contract cannot unilaterally change the terms of the deal without obtaining the party’s consent to doing so. The court rejected Talk America’s contention that the plaintiff had agreed to the service contract changes by continuing to use Talk America’s services, emphasizing the lack of notice. The court contended that even if continued use of service could be deemed to be assent to the contract changes, as has been held by some courts, such assent could only be inferred after the plaintiff received proper notice of the changes. Unfortunately, the court did not provide detail on what “proper notice” might be.

Lessons Learned
The case really emphasizes the importance of providing users with sufficient notice of changes to services agreements. While the court did not detail the components of proper notice of changes, the court did distinguish two district court opinions that had been relied upon by the lower court. In one of the prior cases, the customer was advised by mail that she could see the new terms online or call the service provider to learn about them and in the other case, the customer received the modified contract in the mail. In addition, each of the distinguished cases involved new customers. This was a key fact in the court’s view, as new customers would be on notice that they were required to assent to contract terms as condition of using the service.

Given that the defendant in this case changed the terms of service contracts that had been put into place by the company from which it had purchased the business, the case also emphasizes the importance of conducting proper and thorough due diligence when purchasing an existing business. Prospective purchasers are advised to review the service agreements of the business that they are purchasing and consider whether the terms of those agreements are acceptable to the purchasing entity. Where the terms are unacceptable, the purchasing entity will need to develop a strategy for revising the terms in a manner that will be enforceable.

Sending jobs offshore is a sensitive subject in the US, but despite the political fallout from outsourcing, many businesses continue to engage in this practice. This is because from a business standpoint, outsourcing helps maximize profitability and provides an avenue for the business to grow.

Outsourcing occurs when a company opts to send business processes to another company, usually overseas, to handle the task.

Many companies perceive this as very beneficial because it is cost effective and allows their staff to focus on core competencies rather than invest time, energy and money into processes another business can easily handle for them because no specialized skill set is required.

One controversial aspect of outsourcing is when a company decides to outsource customer service. While outsourcing is often a pretty feasible idea from a business standpoint, a company should carefully consider which processes they are going to outsource. Customer service is a risky process to outsource for many reasons.

Here are a few of the top reasons why outsourcing customer service is risky and why companies should think twice about outsourcing their customer service systems:

*Quality of Customer Service

A business knows their customers best. Outsourcing customer service to another company, especially one thousands of miles away, is a disservice to customers. Customers want to know the people they are talking to thoroughly understand their needs, wants and requirements.

The best people to offer this kind of customer support are front line employees located within the business, not an outsourced company who has been given prompts to answer questions employees really don’t understand or have experience in. A customer wants to receive direct and excellence in response; this can happen best if answers are given directly from the business who serves them.

*First Point of Contact

A business considering outsourcing customer service should think about who they want on the front line and as a first point of contact to customers.

While outsourced employees are somewhat of a stakeholder in the business, this isn’t their priority because chances are their company handles more than one businesses’ customer service and they are doing a balancing act trying to satisfy all of the businesses, which isn’t necessarily in the best interest of the customer.

On the other hand, onsite employees who work for the business a customer has purchased from have a direct stake in whether or

not the business grows and flourishes.

Who would be the better first point of contact for a customer, someone with a direct interest and knowledge about the company’s operations or someone who has been hired to do a job with preapproved scripts?

*Language Barriers

There are only so many scenarios a business can write prompts for, and chances are more frequently than not customers will ask questions which cannot effectively be addressed by fabricated standardized answers.

Optimum customer service will be able to answer questions on the fly which are unexpected. They’ll also be knowledgeable in how to address them, and if they don’t know the answer, they’ll know where to find out and get back to a customer quickly.

Language barriers can be a hindrance in the customer service process because a customer wants an immediate, or at least relatively quick, answer. They aren’t going to want to go around in circles trying to get answers which can’t effectively be addressed and/or left with unresolved questions.

*Length of Hold Time

Since outsourced customer service entails calls being transferred thousands of miles away, the hold time can be lengthy by the time a customer service representative can answer the call. Many businesses who have outsourced customer service found wait times were often 30 minutes or more and then calls often transferred which entailed more hold time.

This is unacceptable as a norm for a call to be answered and customers will not respond well to this making it a risky practice.

*Poor Connections in Calls

There is also the consideration there may be a poor connection due to distance. This can be frustrating for both the customer and the outsourced employee to have a conversation and to address the customer service issues in a satisfactory manner.

Outsourcing customer service is pretty risky because it can directly lead to loss of customers. Some of the largest US businesses have learned the hard way how damaging outsourcing customer service can be and have begun pulling back outsourcing customer service and allowing this process be one handled in-house.

Customer service should be treated as valuable as other business processes that would never be considered to be sent offshore. Customer resolution to satisfaction should be the primary satisfaction and unless a business can be sure the company handling customer service inquiries can effectively accomplish this, outsourcing customer service is a risky venture and business may suffer because of it.

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Quitting a job is something that should never be taken lightly. While there are probably people that quit jobs every day, there is still some thought that should be employed before making that final decision. After all, leaving a job can have major ramifications on one’s life. People should do everything in their power to make sure that they understand what might occur if they walk away from their current employment situation.

Here are few thoughts on questions that should be asked before quitting one’s day job.

Another job?

A person should ask themselves what the plan is after they walk away. In other words, do they have another job lined up? Do they have prospects on another field of work? When the economy is doing relatively well, people may feel like they can leave a job and get a new one relatively easily. Of course, even when there are jobs available, it may take some time to go through the process of applying, interviewing, and starting a new position. Therefore, a new job may or may not appear in a timely fashion.

Factors

There are other things that people have to consider before walking away. Money is often a factor for people, as they have obligations such as mortgages, car loans, child costs, and general household expenses. If someone walks away from a job, do they have the financial resources to sustain an extended period of unemployment? In addition, there is the issue of health care, which is major concern for many people. Despite the fact that many organizations allow employees to extend their health insurance for a few months if the employee picks up the cost, there is an end date to that benefit. Depending on medical situations, this may be a major issue.

Emotion

The person who is contemplating a departure should ask themselves if they are making an emotional decision. To be sure, emotion is a part of every decision and individuals cannot simply separate their emotion from their thought process. However, there are times when people are feeling more emotionally heightened. In a job situation, this usually manifests itself as anger and frustration. When people get upset, they may feel compelled to make a snap judgment. Depending on the situation, this may result in something that the person later regrets. Therefore, a period of self-assessment may be prudent before making a particular decision.

Perspective

Finally, it may be helpful for someone to evaluate whether they have received any advice. Certainly other people do not know exactly what the person is going through. However, sometimes people can provide a particular type of perspective that the individual cannot clearly see. In those cases there may be wisdom in asking for a bit of analysis from a family member or close friend. Overall, the goal of questioning is to make sure that one understands the ramifications of their decision. There may always be unanswered questions, but at least people have spent some time pondering what comes next.