Monday, January 7, 2008

Low Cost Advertising for Your Horse Business

As an ezine publisher I have discovered several methods to target "The Horse Industry" market. Through trial and error
this is what I have come up with. It worked for me and I know it will work for you too!

Ezines or newsletters are simply- electronic newsletters delivered by email. Chances are you've subscribed to a ton
of them yourself. They're quick info blasts usually containing articles or some other relevant information pertaining
to the subject of the email. For instance, if you're interested in homeopathic remedies you might subscribe yourself to
a Homeopathic ezine or a free newsletter offered by one of the thousands of Homeopathic sites online.


Ezines purpose is? For the reader, it gives them information relevant to their interests. In our case that would
be The Horse Industry. For the company, it builds an opt-in base of potential customers who are interested in what
they have to say.

Ezines or newsletters are a great way to get the word out about your interests, business or products which you want
to share or sell with others.. Why are they so great? Because they went out of their ownway to subscribe themselves to
a particular ezine. They actually eagerly await each issue. Now imagine what they could mean if they saw your message
or advertisement.

So here's what I did...and you can do it too!


First I compiled a list of ways I could advertise in a particular ezine. Methods such as:


- Placing a classified or sponsorship ad in a newsletter:


I discovered many ways to advertise (Free in some cases) or very inexpensively in others using text ads
in relevant ezines.
This was the perfect way to reach my targeted audience and test my ads to see how good each one pulled in
potential customers, without spending a fortune.

- Promoting using solo advertisements

This, by far, has to be the best paid advertising I have ever done. I found that a lot of my targeted
customers were subscribed to ezines that would allow me to run a full-page sponsorship advertisement
introducing my own products. My response was phenomenal. I could get as many as 700 or more unique or
targeted visitors and at least 15-20 orders a visit with some of the bigger lists. If I sold a $40 product
and the ad cost me $100, I made at least $400 each time. What's more, once I used the ad and got such a
tremendous response I knew the ad was a winner and I could use it over and over.

- Ad swaps:

This is a great way to advertise if you are on a tight budget and these days, who isn't. I simply wrote
to several ezine publishers and requested an ad swap, my ad for their ad. My response was tremendous and
it was a great way to get my ads out to a targeted audience! Who wouldn’t want free advertising with
their targeted audience! This way I could reach allot
more potential targeted customers and it is totally FREE advertising.


Learn the Secret of Low Cost Advertising for Your Horse Busi

As a ezine publisher I have discovered several methods to target "The Horse Industry" market. Through trial and error this is what I have come up with. It worked for me and I know it will work for you too!

Ezines or newsletters are simply- electronic newsletters delivered by email. Chances are you've subscribed to a ton of them yourself. They're quick info blasts usually containing articles or some other relevant information pertaining to the subject of the email. For instance, if you're interested in homeopathic remedies you might subscribe yourself to a Homeopathic ezine or a free newsletter offered by one of the thousands of Homeopathic sites online.

Ezines purpose is? For the reader, it gives them information relevant to their interests. In our case that would be The Horse Industry. For the company, it builds an opt-in base of potential customers who are interested in what they have to say.

Ezines or newsletters are a great way to get the word out about your interests, business or products which you want to share or sell with others.. Why are they so great? Because they went out of their ownway to subscribe themselves to a particular ezine. They actually eagerly await each issue. Now imagine what they could mean if they saw your message or advertisement.

So here's what I did...and you can do it too!

First I compiled a list of ways I could advertise in a particular ezine. Methods such as:

- Placing a classified or sponsorship ad in a newsletter:

I discovered many ways to advertise (Free in some cases) or very inexpensively in others using text ads in relevant ezines.
This was the perfect way to reach my targeted audience and test my ads to see how good each one pulled in potential customers, without spending a fortune.

- Promoting using solo advertisements

This, by far, has to be the best paid advertising I have ever done. I found that a lot of my targeted customers were subscribed to ezines that would allow me to run a full-page sponsorship advertisement introducing my own products. My response was phenomenal. I could get as many as 700 or more unique or targeted visitors and at least 15-20 orders a visit with some of the bigger lists. If I sold a $40 product and the ad cost me $100, I made at least $400 each time. What's more, once I used the ad and got such a tremendous response I knew the ad was a winner and I could use it over and over.

- Ad swaps:

This is a great way to advertise if you are on a tight budget and these days, who isn't. I simply wrote to several ezine publishers and requested an ad swap, my ad for their ad. My response was tremendous and it was a great way to get my ads out to a targeted audience! Who wouldn’t want free advertising with
their targeted audience! This way I could reach allot
more potential targeted customers and it is totally FREE advertising.


Local Business Advertising & Google Adwords


"I don't need the Internet to advertise - I'm a local business!"

Okay...

If you could spend £0.04 (or $0.05 in the US) and have a new customer - what would you do with your local business advertising budget?

I hope you would spend that money again and again!

Granted this is the ideal example and you are likely to pay much more then £0.04 per customer you acquire, BUT - herein lies the rub for local businesses:

An internet presence announces your business to the world.

When you are online, you have little control about where traffic is coming to you from (if you are not actively driving traffic that is), but what if you could make sure that people who lived in your area, who buy your goods and would make ideal customers could be targeted!

Google Adwords can help you target local people, not people from New Zealand if you live in the UK - but people close to you.

Pinpoint geographic targeting of prospects is an optimum use of your local business advertising budget.

Is it 100% foolproof?

Alas no, but it's a good start.

How do I do it?

Well the easiest way to do this is as follows:

Create a national campaign with your search terms and your location terms - eg: If you're a plumber in Poole then "plumber poole" would be a good keyword.

Create a geo-targeted campaign (this can be done in a couple of ways - I'll leave the nitty gritty details out for now) which means your ads are served to local people when they search for your keywords.

So in the plumber example if a local person types in "plumber" and doesn't mention anything else, your advert will be shown.

So goes the theory anyway.

Does it work all the time?

Like I said - Not always very well.

This is because Google uses IP addresses to determine location and this method is somewhat of a cleaver when a scalpel is required.

It all depends how diligent ISP's are when allocating IP addresses to their customers, the only way you can know is through empirical means.

What if the regional targeting is producing no results?

If this is the case then a national campaign with location terms included (as mentioned above) is your best bet.

If you were to run a national campaign on the same keywords without the location terms, you will be competing with other players who have a national presence for your particular product/service which could prove very expensive.

Your local business advertising budget spend should at the very least give Adwords and PPC advertising in general a tryout. Remember there are an infinite number of keywords in any target market.

Just because the big boys may have a stranglehold on the 'obvious' terms does not mean your market is saturated.


Local Business Advertising & Google Adwords


"I don't need the Internet to advertise - I'm a local business!"

Okay...

If you could spend £0.04 (or $0.05 in the US) and have a new customer - what would you do with your local business advertising budget?

I hope you would spend that money again and again!

Granted this is the ideal example and you are likely to pay much more then £0.04 per customer you acquire, BUT - herein lies the rub for local businesses:

An internet presence announces your business to the world.

When you are online, you have little control about where traffic is coming to you from (if you are not actively driving traffic that is), but what if you could make sure that people who lived in your area, who buy your goods and would make ideal customers could be targeted!

Google Adwords can help you target local people, not people from New Zealand if you live in the UK - but people close to you.

Pinpoint geographic targeting of prospects is an optimum use of your local business advertising budget.

Is it 100% foolproof?

Alas no, but it's a good start.

How do I do it?

Well the easiest way to do this is as follows:

Create a national campaign with your search terms and your location terms - eg: If you're a plumber in Poole then "plumber poole" would be a good keyword.

Create a geo-targeted campaign (this can be done in a couple of ways - I'll leave the nitty gritty details out for now) which means your ads are served to local people when they search for your keywords.

So in the plumber example if a local person types in "plumber" and doesn't mention anything else, your advert will be shown.

So goes the theory anyway.

Does it work all the time?

Like I said - Not always very well.

This is because Google uses IP addresses to determine location and this method is somewhat of a cleaver when a scalpel is required.

It all depends how diligent ISP's are when allocating IP addresses to their customers, the only way you can know is through empirical means.

What if the regional targeting is producing no results?

If this is the case then a national campaign with location terms included (as mentioned above) is your best bet.

If you were to run a national campaign on the same keywords without the location terms, you will be competing with other players who have a national presence for your particular product/service which could prove very expensive.

Your local business advertising budget spend should at the very least give Adwords and PPC advertising in general a tryout. Remember there are an infinite number of keywords in any target market.

Just because the big boys may have a stranglehold on the 'obvious' terms does not mean your market is saturated.


You may have seen or heard people, claiming websites to be indexed within 48 hrs. Believe it or not, it is not miracle and this can be accomplished by some marketing tactics.

What should not be done?

Search engines provides the url where a website can be submitted for indexing. Do not waste your time in submitting your site there. According to their statement they may take up to 6 weeks for a website to be indexed. It's just a long time and wastage of your effort.

Before you know the way for a website to be listed within 48 hrs, you need to know how search engines find websites.

Search engine visits a website that is already indexed. On that site it will find all the links and follows it. Now search engine will move to next website from that list and will find further links. This is termed as crawling. By this way new websites can be included in search engine.

Now where the link of new website can be placed? For this you need to find websites that is already indexed by search engines.

1) Go to a search engine and search the keywords you are using for your website. Note down the websites whose page rank is 5 or above. Once enough links are found, try to get their contact information. Write down an email and send it. In your mail ask them to link their websites in return give them a back link to their websites. They should get good reasons to add your link in their websites. If you can manage 1 PR5 website have a link of your website, the website can be indexed within 5 days. If you get 1 PR6, your website can be indexed within 3 days. If you get 1 PR7 website, your website can be indexed within 48 hrs.

Sometimes persuading the higher rank website owner is tough. So you can purchase link from higher rank website.

2) If you have lower budget for marketing a brand new website our recommendation is go for another way which is absolutely free. With little effort and without any expense you can get lots of one way back links. All you need to do is write an article related to your website. If your website is doing job related to painting, sculptures and artists, you should write an article related to that. Once an article is written search for popular article directory and submit your article. When the article is submitted and approved, search engine will follow all the links in that website. The more articles are submitted more the website will have links pointing to your website and the more times the search engine will crawl your website.

This way you will be able to manage your website to be indexed within 48 hrs.



Is banner advertising dead?



There was once a time when banners were the most important forms of printing for information, educational, and advertising purposes. People see them everywhere during that time, big and small. Anywhere one looks, banners are displayed, showcasing different businesses and companies. Banners were put into websites in the internet age. These times, with graphic designs and colors that added a certain style into these things. That was before.
What people do not know about is that banner advertising is considered a dead business in the internet nowadays. This is according to the marketing experts of the internet. This is based from the fact that banners are expensive. According to studies, the number of people visiting and clicking through them are less and that the success rate is minimal. Chances are, people using banners would end up losing more money than the cost they have paid for them. The same people who were investing their money on banner business before were the first ones pulling out of this kind of advertising and turning to other sources.
What had caused the death of banner advertising?
Many banners are put in with so many graphics designs in them that people could not anymore understand what the banner is about. While incorporating more colors and graphics design made the banner look attractive enough, the essence of what is about gets lost in all these mixtures. Although the advertisers’ purpose of getting attention made its mark, the content is lost in the purpose. People get to admire them but after that, they tend to forget what they were admiring about. Designs, yes, but what else?
Graphic designs take up more of the space that could have been for the things to exemplify the banner further. Most of the time, the graphics that were used were not essential for what the banner is about. It should be kept in mind that the graphic designs and the banner should co-exist and not go over the other. People has the tendency to look more on the colors and pictures and forget what they were there for and what was it about. Banners should not go over with the graphics to avoid being swallowed by them.
Another reason is the long-winding details and explanations, along with all the graphics. As not all people have the patience to go through the long intervals and additional, it is better to get to the point. Banners are not TV commercials that need introductions and interruptions. It is best to give it to them straight on.
Did good-looking banners do more effectively than those not-so-good looking ones? Think about it.

For comments and inquiries about the article visit http://www.uprinting.com


Getting noticed on the Internet - Digital Marketing for Small Business

The Internet has grown from a small network of academics needing a way to trade research into a world spanning, ubiquitous marketplace and repository for nearly every possible kind of information and knowledge. How does a small business avoid being washed away in the constant tide of buying, selling and marketers hawking every conceivable item (and some difficult to conceive...)?

The Internet provides advantages for both customer and proprietor in that one can search for exactly what is desired, without the bother of endless phone calls, driving to malls, or poring over mail-order catalogs. A quick keyword or 3, and hundreds of results vie for attention on the screen. Making sure your company is one of those results near the top is a combination of factors: specificity in product offerings, Search Engine Optimization of web content and linking to and from related topics and sites.

The only way to get noticed on the Internet is to have a listing or presence, whether a dedicated website, ads on relevant sites, or by word-of-mouth. Oftentimes ads on online journals, informative sites, or e-zines (online magazines) are cheaper than space in a print publication, as well as being available to a wider audience than a dedicated website may be. Rates are often available for daily, weekly, or monthly terms, increasing flexibility and allowing a tight budget more leeway. Word-of-mouth advertising can be very cheap, but the returns may be difficult to quantify. Sponsoring web shows such as podcasts or webcasts can be a great and cheap way to gain word-of-mouth exposure. Many times, a podcaster will be so thrilled to gain sponsorship that rates can be negotiated for very little, but make sure to approach a podcaster that has a show related somehow to your business. Don't overlook resources like Google's Adwords either, as they can be slightly pricier than similar options like banner ads, but they are shown to be far more effective than pop-ups, banners, or pay-per-click ads due to their specific targeting.

When a potential customer decides to look up a product that you sell, is he or she going to find your site or listing? Being specific in the terms used on your site or listing is key, as keywords are what drive the search engines like Google and Yahoo. If your company sells shoes, it's not enough to put the word 'shoes' on your site--it has to be anticipatory to the searches that potential customers are doing. Most customers have an idea of what they are looking for when doing a search, so instead of 'shoes,' a customer will search for 'imported Italian leather shoes.' Specific focusing of terminology and product listings are involved in Search Engine Optimization (SEO), as SEO is driven by specific keywords and their repetition or location on a page. If the term 'Italian Leather Shoes' is used 15 times on a website, it will pop up higher on the rating listings than one with the same words, but only as a page heading or title. It would be easy to go overboard on this if it were the only criteria, but it is only one of many different methods search engines use to list websites by relevance. Our article on Search Engine Optimization, located here, is a great reference to optimizing your site for maximum Search Engine Performance.

With a clear idea of where you want to go with Internet marketing, it can be a valuable tool to expand your business into the digital realm, but be careful not to go overboard, as all marketing eventually crosses into the zone of limited return. Customers are looking for what they want--it's up to you to make sure they run into you, and the only way they will is for you to make sure your business is at the places they are going to go.




Selling your Business – Step by Step Process

So finally the time has come to sell the business. After investing years of your time and uncounted thousands of dollars, it has become successful, providing for your needs and wants, and it's time to enjoy the fruits of your labor. Where do you start?

A good time to start thinking about selling a business is right after startup, when it shows signs of beginning to succeed and become self-sustaining. Even if you are planning on bequeathing it to your progeny or a partner, it's never too early to think about what will happen afterwards.

The first step is to take your time--selling a business is a complex process and you will only do it once. Confidentiality is a necessity at this point, as word of an impending sale can cause repercussions among employees and business partners (suppliers, customers, etc.) alike.

Your position in the business is also a point to consider. If you are the sole proprietor, the decision is yours alone. However, if you are a partner or board member, selling your part of the business will involve more considerations.

Finding a good broker is worth any amount of time needed to locate one you are comfortable with. Check the Better Business Bureau for any investigation history, and get referrals from fellow business owners or from industry associations like the International Business Brokers Association (IBBA). This is a non-profit 'trade association of business brokers providing education, conferences, professional designations and networking opportunities' (IBBA), as well as professional certifications and boasts over 1300 members.

Next, a professional appraiser should be consulted, as just like selling a home, a professional appraisal will give a fair value to begin negotiations with. Keep in mind though, an appraisal is an estimate of the fair value of a business' hard assets, and the market value of the business may be higher or lower, as a business is only worth what someone else is willing to pay.

Determining major terms and price are issues that you are going to have to work out with your broker, but a few basic factors come into play: what do you want to get out of the sale? Continuing salary? Lump sum? Stock options? This is a step often overlooked until late in the negotiations, often to the detriment of the seller.

Financing the sale is usually about 90% left to the seller. If you can't or won't be willing to cover the costs of the sale, it may not be a good time to sell.

Once you and your broker have located a buyer and agreed on a price, a Letter of Intent is drafted. This letter outlines the terms and tentative price in a non-binding document and allows the buyer time to thoroughly investigate the business. This process is subject to Due Diligence, as the onus of discovery is placed upon the buyer and buyer's agent.

After the discovery process is completed to both parties' satisfaction, the Purchase Agreement is drafted. This set of paperwork creates a formal agreement between buyer and seller regarding purchase price, terms, and other legal details. Once the respective lawyers have finalized the details and complied with state law requirements regarding the sale, the Purchase Agreement is signed, closing documents finalized, and the sale is complete. If everything has gone well, it's time to breathe a sigh of relief and start planning what to do with all that free time!


Data Entry Jobs Uncovered The Truth about Data Entry

Traditional data entry requires one to either copy-paste certain text over and over again, continue to fill out simple forms, or something along those lines. It requires simple work that does not require much thinking, but rather a lot of repetitive tasks. You usually will not be asked for your opinions as you are in surveys or asked to "Tell Us What You Think". Data Entry jobs are plain and simple manual labor jobs. Hence, there are some people who will not mind doing them and can earn a lot of money quickly, while others will be miserable doing data entry. It is not for everyone.

New Trend in Click Bank Product Data Entry Jobs

Recently, there has been a growing trend in using click bank to find and advertise data entry programs. These programs say that they will teach people how to make money through data entry, and as a result, many people visit these web sites looking to learn more about the business. Those new to data entry are especially likely to visit and even purchase the products advertised.

Click Bank Data Entry Truth

Click Bank data entry jobs are usually e-Books or other materials that tell you how you can make money using AdWords and selling affiliate links to Click Bank products. Not only are these programs misleading as you actually do not make money for the data entry, you only get money if you sell a product, these programs are also fraud and contain false information. They claim that after purchasing the e-Books there are no more expenses; however, you will have to pay AdWords hundreds or thousands of dollars to advertise. Hence it is recommended to stay away from Click Bank data entry jobs.

Finding a Reliable Data Entry Job

The key is to find an honest and reliable freelancing or part time / full time data entry job. This will take some time but we will outline some of the best ways to secure long term high paying data entry jobs and where they can be found.

Webmaster forums are a great place to look for online data entry jobs. Many webmasters are constantly looking to save time by hiring other people to do manual labor so they can focus and advertising and updating their web site. Hence, there is a huge demand for data entry and freelancing jobs for webmasters and many are able to make thousands each month through data entry for webmasters alone. It can be difficult to track down webmasters, so visiting webmaster forums with large marketplaces can help you find jobs and advertise your services. Some of the largest and most popular forums with active marketplaces are Digital Point and Site Point. Note: There is a charge of $10 to $20 to advertise your Service at the Site Point forums. Digital Point Forums, which are equally active, are free.

Craig's List is also a great place to find data entry job. Craig's List has grown to become the largest online classified web site on the Internet and although they focus and buying and selling goods in every state and many countries world wide, they also have a section for "Writing Gigs" where a few people are always looking for someone to do a data entry job. Other job sites such as Yahoo! Hot Jobs or Monster are also good places to find a data entry job in your area.

Finally, there are some organizations that need a lot of data entry done and you can visit their web sites and sign up for their programs to have a constant stream of work and revenue. These are usually the most stable way to make money through data entry jobs, but to be successful with these programs you need to insure that you are signing up with a reliable program so that you do not get scammed.

How You Can Protect Yourself from Scammers

Many people who purchase the click bank data entry product fail and give up with data entry jobs. It takes some time to realize that they were actually scammed and lost their time and money. Do not let this happen to you. There are scammers in every industry so it is important that you do your research and stay away from scam programs.

Search Engines are the best way to protect yourself from scammers. There are billions of web sites on the Internet today and thousands of them contain unbiased reviews of data entry programs. You can use search engines to find this information quickly to insure that you are not being scammed and to find the program that is best for you based on real user views and experiences.

Forums are also a great place to find this information. Finally, to be sure that your information is unbiased and accurate, be sure to double check the program you selected with the BBB or Better Business Bureau that has official information and customer praise/complaints about most businesses.

There is a lot of potential to earn a high income using data entry jobs. There are always people who are looking for data entry services, the key is to finding jobs and making sure that the jobs you find are not run by scammers so you won't waste your time and money. This article contains a lot of useful information that should assist you greatly in making money online and being successful through data entry jobs. Be sure to visit some of the web sites that were mentioned as they contain a lot of very useful information and can help you earn a lot more money.

Data entry is one of the best ways to make money from home online, but like everything else, be sure to do your homework and put in the effort required.



Genuine Work At Home Opportunities So You Can Quit Your Day Job

Although, many may be skeptical about how one can make money online, there are a few options that one looking to work online can choose from।


Freelancing as a writer or programmer and designer can often earn one tens of thousands of dollars annually, especially if you are well trained and have the skills and the marketing "know how" so that you can constantly find clients.

Affiliate programs where you are paid to promote the products of many companies are also another great way to earn money online. Obviously, if you can create your own product and promote it, that would be the ideal situation as you would be able to keep all revenue that you earn rather than just 10% or 20% of the total sale value.

Still, the most popular way that those who work online are earning a stable income is through the creation of web sites and the sale of advertisement space and the use of programs such as Google AdSense or the Yahoo Publisher network.

CONTEXT FREELANCING

For those who have worked to hone their skills in writing or web site design and creation, freelancing is probably the best online job opportunity. It allows them to run all aspects of their business from finding clients, completing the work, and/or subcontracting the work. Although this may be more work than if you worked in a team with a group of people, as a solo freelancer, you keep all of the money you make, rather than splitting it among the members/employees of your company. There are a numbers of freelance opportunities available today.

Content Writing
If you love to write and have strong writing skills, you should seriously consider offering a content writing service where you provide articles for magazines and web sites to publish.

Forum Posting
Forum posting is also another option. It involves contacting the owner of a new forum and to see if they are willing to pay for posts to help get their forum off the ground and boost activity. The best way to get a steady job forum posting is to visit webmaster forums where many of these owners are often searching for posters.

Webmaster forums are also a great place to find content writing jobs, but there are many other web sites that offer an up to date list of the latest content writing opportunities and thus these sites should be utilized as well. A content writer or forum poster who puts the time required to be successful into working can earn up to six figures annually.

Article Submission Service
Article Submission and Directory Submission is also a way that many freelancers can earn some extra money on the side. It involves submitting a web site to numerous web directories or submitting an article to many article directories. The purpose of this service is to help webmasters gain links to their web site.

Link Building Service
Direct link building is a great way that those who either own a large network of web sites or know someone who does can earn thousands online. Link building requires one to obtain back links to their client's web sites on other 3rd part sites. Link builders are usually paid at a flat rate per link that they secure and payment can range from $2-$10 a link and beyond.

Web design and Programming
Finally, for those who are familiar with web site design and programming, freelancers in the web site creation industry can get paid anywhere from $500 to $10,000 and more for a project depending on the amount of work required. This is one of the most lucrative online opportunities available, but to be successful, you will need to get the proper training so that clients are satisfied with your work and you are hired to take on larger, better compensating projects.

AFFILIATE MARKETING

Affiliate programs are another very popular way to make money online. One can create a web site and put utilize space on their web site by advertising a certain product. The advertisement will be a link to an eStore where the product is being sold, and if an affiliate is able to drive a customer to the eStore, the owner of the eStore will pay the affiliate a certain percentage of the sale. Many major companies, such as eBay, Sears, Wal-Mart, and hundreds of others that sell products online have affiliate programs.

To sign up for one of these programs, you should visit and sign up with Click Bank and Commission Junction. These are the two web sites that most companies who have affiliate programs use to keep track of earnings, and to be able to participate in affiliate programs, you will have to be a member of one of these two web sites. Recently, many affiliates are using pay per click advertising program such as Google AdWords where they pay a certain amount of money for each visitor who clicks on the advertisement. The advertisement is an affiliate link so if the one clicks on the link makes a purchase, you can earn money through affiliate programs without even creating a web site.

RUNNING WEBSITES

Finally, we reach the most popular way of making money online, running web sites. The key to building a successful web site is coming up with a new fresh idea so that you will draw traffic.

Once you have got an idea, the first thing you need to do is secure hosting at a popular and reliable web host, such as GoDaddy or BlueHost. You can sign up for an account and pay for a certain hosting plan. The more you pay, the larger a web site you can create and the larger your bandwidth is. If you are unsure about all the technical aspects of running and hosting a web site, you should check with your web hosting provider what plan is best for you and your needs. Your host will also help you get a domain and transfer all files to get your site up and running.

Once you have a site live on the Internet and you are marketing it and drawing traffic, it is time to think about monetization. With a web site, you can either sell your own products that customers can purchase online or create a website for a service, such as the ones mentioned above. Those who may not have as much time, often opt to create a web site, get traffic, and use a program such as Google AdSense where they are paid each time a visitor clicks on an advertisement. Webmasters may also sell links to advertisers directly to earn more revenue from their web site.

There are a lot of great online opportunities available on the Internet, and if you are willing to put in the time and effort requires, you can make enough to quit your regular full time job and work from home online.



Student Loans

Taking out a loan is a serious commitment with long term consequences, especially if you choose a secured loan deal, and so it's important that you only deal with reputable loan providers and brokers. But how can you tell if a particular site is trustworthy? While it's impossible to be 100% sure, the following pointers will give you a very good idea of whether you should proceed with an application or look elsewhere.

Firstly, you should never be asked to pay a fee up front, merely for making an application. These kind of loan sites are often scams, promising more than they can deliver, and you may well find that you pay the fee and get either nothing in return, or an offer of a loan that's so expensive that it's pointless taking it out. You might however be charged an arrangement fee once your loan has been agreed and you've signed on the dotted line - this is perfectly okay and normal, especially where there's an element of bad credit or self certification involved.

You should also avoid dealing with sites who insist on you telephoning a premium rate number as part of the application process. In these cases, it's very likely that you'll be kept hanging around listening to pointless but official sounding messages, all the while racking up a hefty bill. If you need to phone the loan arranger, it should ideally be on a freephone number, or at least a standard rate one.



Paid Surveys Tips to Work From Home and Make Secondary Income

Paid Surveys - Make Secondary Income

Participate in paid surveys and earn secondary or primary income with minimal effort and without leaving your house. It's amazing how much money you can make and also the prizes you can win by filling out simple surveys. Of course when something is too good to be true there is a risk. We have been doing research on Internet fraud for three years and found out there are a lot of scam survey and work at home providers. A lot of survey websites offer people a database with a fee for paid surveys which turns out to be scam surveys. Also, survey sites offer free access to their survey database but require you to register with their site. Again, this is a scam. They keep your information and sell it to third party companies.

Why should you take online surveys?

  • Influence the development of new products and services
  • Make money....Easily be paid from $1 to $100 for 20 minutes of your time
  • Work from the comfort of your home
  • It's free to join, No cost what so ever
  • It's are fun and interesting...you learn a lot about current product and product in the near future
  • It's Easy....all you need is a computer
  • Earn great rewards and prizes...some survey companies send product to keep and only ask for feedback
  • You make a difference by expressing your opinion

Sample Questions: (95% are multiple choice questions)

  • What cereal do you prefer? A) Raisin Brand B) Frosted Flakes C) Chex
  • Have you heard of the Tom-Tom Navigation System? A) Yes B) No
  • What vacation destination would your prefer? A) Beach B) Mountains C) City
  • What airline do you prefer? A) Delta B) American Airlines C) Air Tran

Survey Tips:

  • Register only with online survey panels that list a privacy policy on their website
  • Look for panels approved by the Better Business Bureau (BBB) and that have privacy policies reviewed by eTRUST or features the WebTrust for Online Privacy Seal of Assurance.
  • Beware of 'survey websites' asking you to receive information for special offers and other survey panels during registration - these websites may sell your name and information to other companies that will send you spam.
  • Always set up a separate e-mail account exclusively for survey invitations. This will make it easier for you to see how many surveys you have received, and will avoid spam being sent to your personal e-mail address, should you make a mistake and register with an unreputable surveys website.
  • Beware of 'survey websites' that ask for overtly personal information such as your bank account information, credit card numbers, full names of family members, etc. A real online market research company would never ask you to provide this type of information.
  • Be cautious of 'get rich quick' websites. You cannot get rich taking online surveys. However, you can make a decent amount of cash on the side participating in surveys.
  • Legitimate online survey e-mail invitations will provide information on the type of study being conducted, the survey length, and the incentive for completion. Do not respond or click on e-mail 'survey invitations' that feature ads to win products, cash, etc. These e-mails are not coming from legitimate market research companies!
  • Some research companies will ask you to download software after registration. This software usually tracks your web browsing habits and the information is then sent to marketers. It is ok to download this software if you can verify a legitimate market research firm is running the site - do your homework to make sure that this is indeed the case.
  • Look for mentions of marketing association memberships on survey panel websites. Reputable associations include CASRO (Council of American Survey Research Organizations) and the AAPOR (American Association for Public Opinion Research).
  • Your opinion counts! Marketers truly are interested in what you think, enough to reward you with cash and prizes just for sharing your thoughts. Stay cautious when registering with online survey panels, but when you've found a reputable panel - have fun and reap the rewards of being a panelist!




Totally Money is a popular financial comparison site that provides you with a comprehensive tool that will help you to save time and hassle. This website has the most up-to-date information and news regarding lenders based in the United Kingdom, so it’s a great resource to use to find out everything you need to know about obtaining a secured loan in the UK. After you fill out a short, simple form requesting information about one of the many loan comparisons available on the site, Totally Money will perform its own research among the UK lending market and pass the information and comparisons on to you. This process helps to ensure that you get the best and least-expensive loan possible for your particular financial background. That’s not all, though. This company will also connect you with an independent specialist for a separate, parallel quote so that you’re sure to have all of your bases covered. This way, you’re armed with all of the necessary information and can make your decisions wisely.

Totally Money is able to provide you with comparisons between Black Horse and all other UK lenders. Black Horse Loans specialize in affordable unsecured loans that are geared towards those with no or bad credit. Black Horse Loan’s products are geared towards those who have had issues with their credit in the past. While other loan companies can be stringent regarding a history of defaults, Black Horse Loan has a more flexible attitude. The best way for you to keep your loan rate low is by applying for a secured Black Horse Loan. This is especially true if you have bad credit. However, if you don’t want to risk losing your home or whatever personal asset you secure the loan against, you may want to consider a Black Horse unsecured . With Black Horse unsecured loans, your repayments will not change for the duration of the loan. If you’re thinking about applying for a loan through Black Horse Loans, go to Totally Money and get a free comparison today.



Endowmax Review - Information about Endowmax Herbal Male Enhancement

Men have often wondered if it is possible to increase the size of the penis naturally. Thousands of men are using natural male enhancers, and their answer is yes. Natural male enhancers do lead to better performance, increased self confidence and greater satisfaction of both partners.

easy and safe with Endowmax, a unique formula approved by doctors. Endowmax users have experienced improved sexual performance, sex drive and erection size. Most men have reported a 28% increase in erection size and firmness.

Endowmax is an herbal supplement, totally natural, safe, and recommended by doctors everywhere; it has been used by thousands of men with a high success rate.

The most important ingredient used is L-Arginine, a natural amino acid; it has been scientifically tested to increase genital blood flow and improve sexual performance. The discovery of L-Arginine in connection to penile blood flow represents a break through in sexual enhancement research. Endowmax uses this ingredient along with other advanced ingredients and powerful herbs which has made it one of the most effective products of its kind available.

How does it work? Endowmaxs formula stimulates blood flow into the erectile chambers of the penis at the time of arousal. With time, this large increase in blood flow causes the erectile chambers to expand, which creates larger and stronger erections that last longer.

Although it takes about three months of usage for Endowmax to produce full results, many users have experienced more powerful erections within a few days. Others have seen an increase in penis size within a few weeks. They have also reported greater sexual desire and stamina.

Endowmax may take from three months up to six months at the longest, to produce the desired results. After this period, the chambers in the penis that hold blood, called corpora cavernosa, become expanded and create stronger erections. It is not necessary to continue taking the product after this period.

With Endowmax natural male enhancer, you do not have to bother with time consuming exercises, painful pumps or risky and expensive surgery. It is totally safe and risk free; moreover, the company offers a full money back guarantee if a consumer is not satisfied with the penis enlargement pills for some reason.

Moreover, the quality of erection declines as a result of stress, age and other ailments. Endowmax natural male enhancer addresses these shortcomings in an effective and convenient way.


A Guide For Planning Memorable Wedding Details, Your Own Way

Congrats to you, beautiful bride! Are you ready for the big day? Of course you're not - you just got engaged last weekend and you've only slightly recovered from the excitement of showing off that new princess-cut rock on your hand. You've stumbled across this article because you're overwhelmed and you don't know where to begin. You're thinking, "I'm not a bridezilla! I want my to be happy!" but at the same time, you want everything to be perfect, unique, and memorable.

The details of a wedding are what make its guests think back on it for years to come. Some particular details like save-the-date cards, engagement party/wedding shower/bridal shower invitations, Wedding invita, and thank you cards are particular items that can set your wedding apart from all the others that your friends are planning, regardless of the budget.

Save the date cards: These charming little reminders should be sent out in the mail approximately 4 months before your wedding, if not sooner. They are important if you are planning a destination wedding, if your wedding date is near a holiday, or if you are expecting many people to travel in order to get to your wedding. Save the dates are a convenient, advanced-notice option, and are much classier than an e-mail or a phone call.

Engagement party/wedding shower/bridal shower invitation: The first invitation that will go out is typically for the engagement party (if your family chooses to have one for you). This is usually a simple invitation, chosen by someone other than the bride or groom. Similarly, any wedding shower or bridal shower that might be thrown before the wedding might be entirely planned by someone other than the bride.

Look down at your pretty ring and take a deep breath - no one is going to judge you on your mom's tacky decorations, or your best friend's choice of appetizer. If you can't seem to get your input into the planning of one of your other parties, there is no need to worry about a foiled wedding. The big day is still under your control. If you're truly afraid of what might be planned for you, make sure the planner agrees with you on invitation and party guidelines because although the party may be a surprise, it is still a celebration of your upcoming wedding.

Wedding invitations: The invitation to your actual wedding is going to be a classy yet eye-catching number that allows your personality and the strength of your and your fiance's relationship to shine through, right? Easier said than done. Some people match the colors of their invitations to the color theme of their wedding, while others chose to stay classic with all white or ivory invitations despite the fact that their upcoming wedding might include a rainbow of color coordinates. With invitations, it's easy to keep it simple yet unique - there are hundreds of options available for backgrounds, and once that has been chosen, the font and wording that you pick will complete your distinctive invitation. When choosing an invitation, keep in mind that it will be hanging on the refrigerators of your guests homes for 2 months before the big date - what would you want on your fridge?

Thank you cards: It is proper etiquette to send a thank you card to anyone who attended the wedding, sent you a gift, or both. Also, you don't want to wait very long before writing and sending them. How long did it take you to cash their checks? You've got plenty of time to get away on that honeymoon and relax post-wedding, but when you come home and start ravaging the cards and gifts, be sure to keep track of everything. Standard rule is that you have three months to write and mail those thank you cards with your gifts and guest list fresh in your mind.

Well Bridezilla, I hope these tips helped to calm your nerves a bit. Planning a wedding can be a very lengthy process, but the details that you have full control over happen to be the most fun to shop for and personalize. Throughout your wedding process, there will likely be between 3 and 5 invitations or notifications sent out in the mail to select guests, and these tailored items are what they will look at the most before and after your tasteful and elegantly prepared soiree. Once dates and locations have been chosen, it will take a weight off your shoulders if you order all the invitations and stationary in advance. Plus, you've got more important things to worry about bride-to-be. Good luck in your planning!



Death of the California Suites

An evening walk down the filthy hallways of the Death of the California Suites, a rough and ready SRO housing AIDS patients on 111th Street on the Upper West Side, shows shattered sheetrock piled in the empty rooms and floors ripped up revealing unstable and dangerous subflooring. The remaining 10 tenants out of the original 100 stay locked inside listening to blaring televisions and ignoring knocks on their doors.
The hotel is being gutted and rehabbed, with the remaining residents being forced out, bought out for tiny sums or mercilessly harassed, charged a tenant still in the hotel.
"Presently, strong-arm tactics are being used to harass the remaining tenants," said David Frank, a five-year resident of the hotel. "The fire exits have been locked. Construction debris blocks the lobby and the regular garbage hasn't been picked up for weeks." Frank has filed a six-page affidavit with the SRO Law Project, an Upper West Side advocacy group, charging a repeated pattern of abuse by management, including assault and destruction of his personal property. He as also accused the managers of barring client advocates from visiting the building.
Through the 1990s, the California housed clients from the Division of AIDS Services and Income Support [DASIS] in brutal circumstances. Two years ago, garbage was piled in the halls, menacing drug dealers roamed the stairways and the rooms were filthy, all with the knowledge of the indifferent owners, who collected up to $1100 per month for each single room.
Last year, however, DASIS stopped referring new clients to the hotel after it was established by the Law Project that the eventual owner of the California was Jay Pedalsky, an infamous SRO slumlord who owns at least five brutal hotels all over the West Side.
In mid-February, the California night manager expelled a City Limits reporter and photographer who were visiting a legal resident in the hotel. Another resident had told the managers that the reporter had visited the hotel previously.
"Refusal to allow guests of legal residents into the building can amount to harassment," said Adrian Di Lollo a community liaison for the SRO Law Project.
California Suites has often run afoul of city government. In 1996, the Hotel got in trouble for illegally subdividing its 84 rooms into 99 units. Last November, the hotel received 52 violations of the building maintenance code for illegal construction from inspectors from the city's Department of Housing, Preservation and Development.
HPD is responsible for monitoring potential harassment in the city's SROs. Any plans for major construction by SRO owners must receive "Certification of No Harassment" by the HPD before Department of Building work permits will be issued. After an investigation, HPD issued the California such a certificate on December 26, 1996. The DOB issued construction permits in November 1997. Major construction in the hotel had begun three months before then.
HPD is now investigating charges of harassment at the California. "The agency is aware of recent allegations of harassment at 610 W. 111th St., "said a staement from HPD. "The SRO unit will closely monitor the situation and take appropriate action, including revocation the Certification of No Harassment, if necessary."
Revocation of the certificate could be disastrous for the California owners. The construction permits would be revoked, and the Dept. of Buildings could stop some or all construction in the hotel.
Di Lollo said that he filed Frank's affidavit with the HPD to encourage them to investigate strong evidence of harassment at the hotel. His view of what could be done was pessimistic. "In 14 or 15 years the law project has existed, we are not aware of a Certificate of No Harassment being rescinded from an SRO."
The two managers, Amir Mohammed and Ali Mohammed, gave conflicting stories on the future of the hotel. "We will probably give the building back to Columbia," aid Ali Mohammed, saying that it would be used as a dorm.
"Our real estate manager has heard this before," said Anne Canty, a Columbia spokeswoman of the California conversion, "but this not something that Columbia is doing."
"There are no residents for you to interview," said Amir Mohammed. "Come back in three months and there will be one hundred residents -- the same ones who lived here before."
Reality has not proved Amir Mohammed's statements true. A non-profit worker familiar with the California said that its residents had wound up in other SRO, apartments or "had gotten lost in the system. The remaining tenants have been offered other places to go, but there leaving is based in their willingness and capability to do so." All the remaining tenants are DASIS clients, the worker added.
Frank, however, is no passive victim. "I called the Fire Department about the locked fire exits and broken sprinklers," he said. "Ali Mohammed then called my cable company, told them I'd died two day before, and they turned off my cable."
"Ali Mohammed has given the keys of empty rooms to several nasty drunks, former tenants who harass the present ones. There is drug dealing and prostitution going on in here."
Ali Mohammed vehemently denies any harassment. "Nobody actually gets harassed," he yelled at City Limits. "Conditions have improved. What people told you this?" he demanded to know.
Recently, Frank faced down the two Mohammeds and brought the same City Limits reporter into the hotel. "I know my rights," he told them flippantly. "You can only bar people who are a danger to me, themselves or to the hotel. I will walk him out myself."
In his affidavit, Frank said that Ali Mohammed offered him $250 to move out. He also told Frank that DASIS had ordered him to move out in 48 hours, which turned out to be untrue."
Two thirds of the hotel had been gutted and renovated. Frank gave a tour of the new room he has been moved to. The bathroom was tiled in cheap fake marble, but there were exposed wires all over the room and construction dust on the floor.
Despite the hardships of the California, Frank plans to stay. "This is A great neighborhood. I've lived here for 15 years and all my friends are here. At this time in my life, I don't want to start over."




3 Types Of Espresso Coffee Machines

There are a number of different that you can buy today. These include the manual, semi automatic and the full or super automatic. Below I will be taking a closer look at just what each of these machines are capable of doing.

1. Manual Espresso Coffee Machine

This type of machine requires the person using it to carry out all the various procedures involved in order to brew a great cup of espresso coffee. You will need to add both the water and the coffee grinds as well as controlling the frother if you are making cappuccinos

2. Semi Automatic Espresso Coffee Machine

With this particular machine you will need to start the process by turning the machine on and then pressing a button. Then once the espresso has been made, you will then need to turn the machine off. However with this machine you will be required to ensure that they water reservoir is filled and that there is sufficient beans within the grinder (as some models come with an internal coffee grinder).

3. Full or Super Automatic Espresso Coffee Machine

This machine will produce a great espresso coffee without you having to participate in the process at all. These types of machines come with a fully integrated water system (which is attached directly to a water supply) and a grinder for grinding the beans. With this particular machine all you need to do now is push a button and then the machine takes over and at the end will produce a great cup of espresso coffee. During each process, once the beans have been ground and used they will then be ejected and placed in an internal bin which can then be taken out and the contents removed.

When it comes time for you to find the perfect espresso coffee machine, you will need to determine just how convenient you want it to be. So if you are someone who wants to be involved in every process of making your own great cups of Coffee, then the manual espresso coffee machine is the ideal choice for you.

However if you are someone who just wants to sit back and relax before they start drinking a great cup of coffee then the semi or super automatic espresso coffee machines may be your preferred choice. Also you will need to take into consideration the cost, unfortunately both the semi and super automatic machines can be quite expensive, plus they are quite large as well so may take up more space than you have available.

A great way of learning more about these various types of espresso coffee machines is by going online. There are lots of sites that can offer you reviews as well as offering great discounts on some of the more well known brands available today.


Powers of Examples; An Interview with Pearl Johnson

In the morning of our interview, Pearl Johnson canceled on me because of a family emergency of the best kind. "I can't meet you today," she said. "My daughter is going into labor right now." So, early last month, Johnson's third grandson entered this world crying and healthy. "The baby smelled sweet," she said.
"I'm blind, so I had to feel his features. He was strong and not as tiny as my first grandson. "When I first tested positive," said Johnson, "there was not a lot of hope. I didn't think I'd see my kids get old enough to have their own kids. Now I hope to see my grandchildren grow up."
Johnson, 41, has moved on from her brutal experiences as a battered spouse, has battled substance abuse and has weathered an HIV diagnosis. She has changed her life on her own terms and is beginning work as a peer counselor, hoping to educate adolescents in AIDS prevention.
In Johnson's comfortable apartment in Canarsie, the walls are covered with pictures of her eldest grandson Yakim, who lives there with his mother. "He's the man of the house, all bubbly," she said with a chuckle, flashing a bright smile.
Johnson grew up in Greenpoint and raised her two daughters. "I was in an abusive marriage," she said. "It was a blow from my husband that cost me my eyesight." She was completely blind by the time she was 26. In 1992, after years of drug use, Johnson tested positive at a methadone clinic. "At the time, I felt it was a death sentence. The post-test counselor told me I had maybe two years to live." It is now five years later, and Johnson has much more hope.
"What saved me was that I'd started seeking recovery through a 12-step program. Before I'd tested, I heard people share about being HIV-positive. After my diagnosis, I continued with the program, and that helped me." Johnson started using Body Positive for its support groups. "I still use Body Positive for its socials." Now she attends a support group sponsored by the People With AIDS Coalition (PWAC) called Sister To Sister. "We are women of color living with HIV," she said. Johnson also acts as a facilitator of another Sister To Sister group, which meets in East New York.
Johnson volunteers four hours a week at the PWAC hotline. "We get a lot of people calling about their family members and also adolescents calling for information on HIV. Many people also want information on the new drugs - the protease inhibitors. Everybody wants the cure and they get their hopes up."
Johnson noted that now the doctors are giving people the drug cocktails when they first test positive. "After they start taking the medications, they call us up with questions. People learn that they have time and can make choices. Working on the hotline is rewarding, but can sometimes be stressful. We get people who call from other states, from out in 'the sticks,' where they don't know the services available to them, or there are no services at all. Sometimes, [the hotline] is all they have."
As a visually impaired person with HIV, Johnson noted that there is a shortage of up-to-date recorded materials about AIDS. She receives the newest information from friends at the various AIDS groups. After her diagnosis, Johnson made major changes in her personal life. "Before, I did not handle anything well. I now live life to the fullest. I changed how I handle my anger. I stopped smoking, got into therapy, and learned how to get support from my friends." Johnson found that at the time she had to break up with a lover who refused to change some dangerous practices in his own life.
When Johnson is not volunteering, her hobbies are many and varied. "I love going to plays and movies, and going dancing and swimming. Like a kid, I still love jumping rope and going on rides, like the Cyclone at Coney Island."
This month, Johnson starts a new job as a peer counselor teaching safe sex and AIDS prevention for the Brooklyn Project of Hope, which will work in shelters, drug programs, and homes for pregnant teens. "I am scared and excited," admitted Johnson. "It is a new program, so our ideas are being accepted and put into the program. My hopes are to reach more young people, adolescents, and people who have not tested yet. I want to do prevention before people test positive."


A Support Group Thrives in Brooklyn

"If I wasn't in the group, I would be having fights on the street," said Lydia, a fresh-faced 12-year-old who belongs to Project Hope, a Brooklyn support group for teenagers whose parents have HIV. "I was getting arrested all the time. People would step up to me and I would have to fight."
Project Hope is part of the supportive counseling services of the Special Treatment and Research [STAR] Program, an HIV clinical and research project run out of the State University of New York at Downstate in Flatbush. The program runs 10 support groups, serving 250 Brooklyn residents living with HIV, as well as adolescents who have family members with HIV. These HIV support groups are the main source of HIV groups in north and central Brooklyn, including East New York, Bushwick and Brownsville.
The support groups have been funded by federal Ryan White Title I monies totaling $240,000 a year for the past eight years. Along with 24 other Brooklyn AIDS projects, the project was told in November that they would not be refunded, effectively shutting down all 10 support groups.
The prospect of the groups being shut down was a shock to its members. Clients signed petitions in support of the program, wrote their local politicians and spoke at hearings on Ryan White funding. The threats to end the funding brought the group members face to face with what their support groups meant to them, as well as the value of their fellow members in their newly formed communities.
Fortunately, an additional $5 million in Ryan White Title I funds were found in late January. Out of this money, Project Hope and the Brooklyn Group Support Project, the adult support program, were refunded. Though the crisis has passed, the men, women and teenagers who make up the program had a lot to say about their support groups. This is their story.
"When I found out I had HIV 18 months ago, I thought I was going to die soon, I thought I should take a lot of drugs and call it a day," said Altamease Whetstone, a plain-spoken woman in her 40s. "This group is my home away form home. We can talk about stress and depression. We love our group - it is a safe haven."
In a roundtable discussion in a nondescript conference room at SUNY Downstate, Altamease and four other members of the Tuesday co-ed support group bared their feelings. In turns serious and humorous, the members explained how they survive HIV and gain strength from each other.
"I look to the future positively after being in this group," said Simon, a former property manager of Indian descent. Simon tested positive in July 1996, and lost his lover of 10 years several months later. "If I wasn't here, I'd be staring at two walls in my apartment," he said with a faint smile.
"I was very naive when I found out I had HIV in 1991," said Gracie. "I was visiting my boyfriend in the hospital, he had TB. Somebody said to me, 'You know, this is an AIDS ward.' I never went back.
"When I was diagnosed, I was still getting high," said Gracie. "Now I don't drink, I don't get high. Here I can express my feelings. Nobody in my family has HIV."
"My five brothers died of AIDS," said Altamease matter-of-factly. With horrifying effect, her brothers all died in the early 1990s.
"I distrusted people," said Sidney, a quiet man with a dry wit, after he found out his status. Sidney said that a deacon in his church was jealous ofthe fact Sidney could speak in tongues, so he told other parishioners that Sidney had HIV.
"I agreed to come to group," said Sidney, "and I get to know a bit about each person. I still don't talk that much in group, but I've been sober for four months now."

Railing against HIV Stereotypes

Sidney railed against the stereotypes that people with HIV come in contact with everyday. "I eat at my family's house and I wash my own dishes. Then they wash them over again. It hurts when your own mother does that." Sidney said that he was able to bring that pain to group, discuss it, then resolve the issue with his family. "It is sort of like Narcotics Anonymous," referring to the 12-step program, "but it is our own group."
"I haven't disclosed to my family yet," said Nefertiti, a young woman who wore a stylish hat and kept her sunglasses on indoors. A four-year veteran of the group, Nefertiti didn't say much, but kept a watchful eye on the conversation.
Very often, the group's collective wisdom about living with HIV and dealing with the social service bureaucracy is priceless. "The people in this group gave me good information on housing," said Gracie, who is presently staying at a women's shelter while she looks for permanent place to live. Recently, one advocacy group was offering apartments. "The members told me that I had to show up at 7 a.m. and that only 13 people were taken a day," she said. They gave me the information that I needed."
"Margo and Cathy are good for information too," said Altamease of the two staff members who run the group. "If they don't know something, they will find it and relay the information. Many people don't take the time to do that."
"You know, it's not all problems," said Simon. "We have fun here, too." Simon recounted how he didn't know what common gynecological problem, pelvic inflammatory disease [P.I.D.], was, and how with much humor the group educated him.

Honorary Cross-Dressing Man

Margo St. John, a facilitator for the group, also is the target of barbs. "I run both the men's and the women's groups," she said. "The men accept me, but they tell me that I am an 'honorary cross-dressing man.'" The members broke out laughing at Margo's comment.
The group also addresses issues like sexuality. "At first, I was not comfortable coming out as a gay man to the other members," said Simon. "Now I feel accepted sexually."
"In the group, everybody respects each other," said Gracie. "I learned about gays from Simon and I am more tolerant, and Simon accepts me as a female."
At one point, Altamease addressed her old heroin habit. "I'd made myself a pin cushion long enough, so I went on methadone maintenance." Several years ago, she kicked her heroin habit and kicked out her drug-using boyfriend when he wouldn't quit.
"I look at the world differently now... I want to do something constructive." Old associates still invite Altamease to get high, but she has no time for them. "I spend time watching my grandchildren...I've got 15 of them and I love them all. I don't consider myself sick," she said of her HIV. "Sick is lying in a hospital bed."
"A lot of people here would have problems going to support groups in Manhattan," said Sidney, of the possibility that the group was going to be shut down. "There are mothers and grandmothers here that have to pick up kids. There are sick people who can't handle the stress of the trains."
For Sidney, the sheer size of other support groups was a turn off. "I went to this one group, you see. They said to me, 'Hey, sit over here.' We were in a circle of 200 people."
"For me with a new group, I would have to start all over," said Sidney. "I don't think I would open up again. I think that if our group shut down, some members would start getting high again." Many of the adults in the support groups have battled drug and alcohol addiction.

"Only Crazy People Need Therapists"

Margo is also the assistant coordinator of the adult support programs. She said that when the groups seemed doomed in the fall, she scrambled to make a list of alternative programs for people with HIV in Brooklyn and Manhattan. Margo found that most other support groups were connected to a larger program or were for very specific populations.
"At other groups, there services are often linked -- you might have to see the program's therapist. Our program is just group support -- you don't have to commit to a clinic or to other parts of a program."
In the list of other programs that Margo compiled, there are specific HIV support groups for gays and lesbians, ex-offenders and Latinos. Very few support groups seemed to meet the broader needs of the Brooklyn African Americans and West Indians that make up the STAR Program.
Margo, a native of Grenada, has noticed that there are some cultural differences in the way West Indians and African Americans address their HIV status. "I find West Indians to be more trusting and there is more shame when it comes to looking for help -- they think they are begging. They tend not to seek proper services because they think they are not entitled." West Indians also have problems with therapy and counseling. "The idea is that only a crazy person would see a therapist.
"There is a lot of shame --West Indians tend not to tell there family members. HIV is a total secret. Their main release becomes the group."
Amanda is from a small African country that has been torn apart by civil war. She showed up at the office with her two-year-old son in tow. She handed him an apple and sat down to be interviewed. The boy was beautiful, with shining brown eyes and a winning smile that he has gotten from his mother. Amanda and her boy were dressed in their Sunday best.
"I've been in the women's group for two years," she said. "It really keeps me going on with my life. I know I am not alone."

Fighting Isolation and Finding Strength

Amanda came to the United States four years ago with her year-old first child to be with her husband, who is from the same country. She found out then she was HIV positive. Her life is made very difficult by constant strife with her husband. Amanda is isolated outside the group because she has no family here and there very few people from her home country in Brooklyn.
"I've been admitted to the hospital twice. Both times I had nothing, but people from my group came with necessities like underwear and a toothbrush," said Amanda.
"Mom!" said her son suddenly. He handed her the apple, she turned it over and he started chewing on the other side. "In my group," said Amanda, briefly showing her brilliant smile, "sometimes we are happy and sometimes we are crying. Other times everyone is confused if someone is in pain.
"When you sit in the house with nothing to do, you don't know where you are going. When you go back to group, it makes you feel strong."
By going to the group in the hospital, Amanda has been able to coordinate medical visits there as well. In the support program, she has also discussed her options of who will care for her two children if she can't.
"I don't feel comfortable in Brooklyn," she said. "I feel most comfortable in the Star Program and at this hospital."
Sheila Crandles is the social worker who supervises both the adult and adolescent support group programs that are under the STAR Project. "The support groups started in 1988, with a group for the caregivers of children with HIV," said Crandles. More groups were added as needed, including two groups in Creole, men's and women's groups, a co-ed group and Project Hope, the program for teenagers.
"The best thing about the group being refunded was that the members helped do it themselves -- they traveled long distances to hearings in Harlem, the wrote letters," said Crandles. The loobying of wo Brooklyn politicians -- Congressman Ed Townes and State Assemblyman Vito Lopez - were essential in restoring funding to the support groups.
Project Hope consists of three different afternoon programs-Teen Talk, Art Therapy and the Homework Group and has core group of 12 adolescent members. "We meet in the student lounge of the [ Downstate] medical school, so there is no stigma on the kids," said Marianne Gunther, a licensed art therapist and the program coordinator of Project Hope.
"Art therapy provides the kids with another medium to express their emotions," she said.
Recently, using shadow puppet techniques, the kids in art therapy made a video, a kind of "Star Wars" tale, where a young man was fighting evil. "In the end, it turns out that the boy's mother is sick," said Marianne.
The Homework Program consists of help with homework and games for kids nine to 17. "We do some homework, if we are lucky," chuckled Marianne.

Rough Banter and Feelings

On a recent Tuesday, seven teenagers got together for Teen Talk with two adult facilitators. The kids range in age from 12 to 18 years old. Cookies and juice were passed around and the conversation started flying. Topics range from a parent's health to music to dating.
"In this group, I can talk about how my father gets on my nerves," said Taline, a 13-year-old who often comes to group with her sister. "I am glad to get that off my chest."
"I don't feel alone with Teen Talk," said Aaron, a tall, sensitive 16-year-old from Bushwick. Both his parents are HIV positive and he has been attending the group for three years. He talked of the frustration he has with his mother, "She's always in bed and she doesn't have any energy."
The group picks up speed and gets more animated. Mike, a teenager with his hat turned backwards, talked of the group's social element. "We take trips to Great Adventure and have parties."
Mike smiled. "What we talk about depends on how honest SOME people are," shooting a look at Verne, an 18-year-old girl who is the group elder.
Verne took his jab in stride. "We talk about music, fashion, AIDS."
"Or racism and discrimination," said Taline.
"We talk a lot about killing and fighting people," said Richard, a gangly youth wearing a wool hat.
"Some of us EXAGGERATE, and we know who they are," said Mike. The laughter was good-natured.
"Verne is like a sister to me," said 12-year-old Darnell. "Sometimes she chases me."
Aaron asked one of the most important questions of the end of the 20th century: should he continue to pay for his girlfriend on dates, even if he is now broke? His parents gave him some money, but he has spent it all on her.
"Well," said Verne, "sometimes I want to pay for myself," talking of her own dating. "Other times, he better pay."
Teenagers relate better to other teenagers," said Gillian Williams, one of the adult facilitators of Teen Talk. "I'm a combination of a referee and a mediator. I keep the group going."
"The group has really grown together in the past two years," she said. "There is a definite pecking order, though, with the older members commanding more respect." Gillian said that she and the other counselors follow up on individual teenagers who may be in crisis.
"In our group, there are real extremes -- there are kids with psychiatric diagnoses and some pretty well-adjusted kids." Gillian said that one kid was thrown out of junior high school for hitting a teacher, while another kid goes to a prestigious Brooklyn high school.
The family situation of the teenagers is on a case-by-case basis, said Gillian. "About half have no other relatives they can live with." The counselors have talked to some of the parents about permanency planning, what happens if the parent dies. "Some parents have not told their families they have HIV," she said.
For Lydia, Project Hope keeps her off the rough streets of Cypress Hill, where she lives. She usually shows up to all three days of the teen groups, and sometimes she shows up on the other days to talk to the counselors. "My friends say they understand, but they don't. Their parents are not sick."
"For two years before I came to group, I told no one about my problems," said Aaron. "I think if I wasn't here, I would have committed suicide. I know my life doesn't suck. I don't feel like my life is cursed anymore."



Prostitution, AIDS, Social Evils, Ho Chi Minh City

Vietnam appears to be on the edge of a devastating AIDS epidemic. The official figure for the number of HIV-positive people, 3,706 (with 148 deaths since the first case was recorded in 1990), is almost certainly underestimated by several orders of magnitude. Aid workers from non-governmental organizations say that estimates by the World Health Organization of 100,000 HIV-positive people in Vietnam are much closer to reality. More ominous are WHO reports that estimate 500,000 people in Vietnam will be HIV positive by 1998 unless massive education efforts slow the epidemic.
Vietnam still has time to prevent becoming another Thailand, with its one million HIV-positive citizens. Vietnam's only hope is through decisive and aggressive action: it must not only educate prostitutes and drug users--traditional sources for AIDS infection-- but must also create massive, active education and outreach programs directed at the mainstream population. The Vietnamese government has decided to fight the epidemic through an extensive if passive AIDS prevention campaign using television and billboards that explain HIV transmission, and by urging morality and monogamy.
The government is also setting up small programs for high-risk groups using the "harm-reduction" model of AIDS education, a hands-on method that uses outreach workers. Harm-reduction education teaches sex workers to use condoms and to avoid high-risk sexual activity. Intravenous drug users are also taught to use clean hypodermic needles and not to share injection paraphernalia with other users. Government AIDS policy also focuses on educating government employees like police officers and medical workers about HIV transmission. There is some education in the schools, but it is only on HIV and AIDS transmission; no sex education courses exist. Moreover, there are no special hospitals for AIDS patients. In the destitute Vietnamese medical system, where a patient's family must go to the black market to buy medicine, the AIDS drug AZT is given only to pregnant women.
In Ho Chi Minh City (formerly Saigon), the government and Save the Children both run similar programs using peer outreach workers, employing former sex workers to teach safe sex to prostitutes, and using former intravenous drug users to educate present drug users on how to avoid AIDS. Although the programs have the same goal--to stop the spread of HIV and AIDS--the way that they are run says a lot about the attitudes toward the sex workers and drug users whom they attempt to help.
The Vietnamese government has set up pilot syringe-exchange programs in Hanoi and Ho Chi Minh City. Save the Children has created pilot AIDS education and outreach programs with the hope that locally supported versions will eventually be run in other provinces in Vietnam. The government is now hopeful that more nongovernmental organizations will come into Vietnam to set up more projects.
Ho Chi Minh City is the epicenter of Vietnam's AIDS epidemic, with half the reported HIV cases coming from the city. Police figures estimate 33,000 prostitutes and 150 brothels there, though these figures are at least three years old. An estimated 10,000 IV drug users and 30,000 children live alone or with their families in the streets. In the past five years, more than a million people have come to Ho Chi Minh City to try to escape the crippling poverty of the countryside. Some women from the provinces inevitably wind up working as prostitutes.
Dr. Thue Vinh is a member of the District One AIDS Committee in Ho Chi Minh City. "When we first set the program up, in 1993, we had some resistance from the police officials. They did not understand why we gave condoms to sex workers; they said we were helping them to be prostitutes," Vinh explained. Attitudes are better, according to Vinh, because of the massive government AIDS education campaign. Among the general population, the knowledge about HIV transmission is high.
But the government campaign has some big holes. "We have classes in the schools on how HIV is transmitted," said Vinh, "but no sex education programs." Efforts to reach prostitutes who work in hotels are hampered by the hotels' refusal to accept free government condoms. Accepting the free condoms, the hotel managers reason, is the equivalent of pleading guilty to charges of promoting prostitution. They fear the police will shut them down.
Last February the AIDS committee also restarted their needle exchange, shut down two years ago because of conflicts with the police. The exchange has 87 clients out of the 500 users in the district. Estimates for IV drug users are bleak--the HIV infection rate may be as high as 80 percent. According to Aaron Peak, an American AIDS policy consultant in Vietnam, the addicts of Ho Chi Minh City frequent "shooting galleries," where they buy the opium they shoot and where one person injects all the clients, often with the same needle.
The District One Women's Union runs the government's peer outreach program to sex workers. At a recent meeting, eight former sex workers were gathered around a long table. The meeting was led by Hoa Hong, a Women's Union official who has never worked as a prostitute, and the mood was very serious. Hong asked each woman to make a report. Several women said the new law against social evils, known as Local Law 87, has forced prostitutes off the street because it is easier for the police to arrest them for vagrancy. Many of the sex workers now work inside, and some have resorted to having an accomplice drive them around on a scooter, allowing for quicker propositions with less danger of being arrested. Local Law 87, which cracks down on gambling, prostitution, and drug use, was passed last winter to appease Communist Party hard-liners in preparation for June's Party conference. It has put a damper on safe-sex education and condom distribution.
At Save the Children, the atmosphere was much more relaxed. The offices were in a large house and the sex workers' meeting was held on the floor, with the half-dozen women volunteers, all present and former sex workers, sitting and discussing their work while exchanging lively banter.
Truong is a former sex worker and staff member. Although more than 100,000 Saigon bar girls and prostitutes were sent to communist "reeducation" camps in 1975, that's when Truong's career as a sex worker started. Her father, who had worked with Americans in Vietnam, was sent to a reeducation camp where he spent 11 years. To support her mother and brother, Truong sold her virginity at the age of 21 and spent 16 years as a prostitute. She stopped after she was recruited to do outreach for Save The Children four years ago.
"I'd say about 70 percent of the commercial sex workers start because of poverty," Truong said. "Most come from the provinces and are very poor; they have a low education level and no stable job. The Women's Union hates commercial sex workers. They don't try to determine the reasons why women sell themselves. They just say it is a social evil without knowing the reasons why."
Harm-reduction education has to be done without moral judgment, to actively address the needs of high-risk groups while appealing to their ability to take care of themselves. This flies in the face of abstinence models of HIV-prevention: don't have sex until you are married, don't have sex outside of marriage, don't do drugs ever.
Harm reduction is still controversial in the United States because it involves teaching members of groups at high risk for HIV infection how to protect themselves from AIDS, and to prevent those who are already infected from spreading the disease. Giving out needles and condoms acknowledges that drug addicts and prostitutes exist and are a part of society in Vietnam (as well as in just about every country); they cannot be simply disposed of by arresting them and sending them off to prison or reeducation camps.
Most AIDS education outreach efforts in Ho Chi Minh City are directed at high-risk populations. Besides drug users and sex workers, Save the Children also has projects doing HIV-prevention work with street children and gay men. In Vietnam, homosexuality is illegal.
Vietnam should be aware that the country has already entered a crisis. To slow the spread of HIV, the Vietnamese government should not merely wait for increased spending on the part of nongovernment organizations; it should itself increase spending on HIV prevention. For example, with new joint ventures between the government and foreign corporations being formed every week, the government could impose a small corporate tax to pay for increased AIDS spending.
The Save the Children program is small, with a staff of just 24 in addition to its 50 outreach workers, but it is vital. By approaching the sex workers with respect, they gain their confidence and give them tools with which to protect themselves. Though some sex workers still have unprotected sex despite knowing about AIDS, the outreach workers have changed attitudes, raised self-esteem, and helped sex workers convince their clients to use condoms.
As a first step, the Vietnamese government should expand the education and outreach toward high-risk populations. For example, the needle-exchange program in Ho Chi Minh City should be expanded to include all addicts interested, not just the five percent now involved. These education and outreach programs should also be set up on a smaller scale in the capital of each province: as affluence spreads through the country, attendant social problems such as prostitution will also become an issue in the smaller cities and town.
The European nongovernmental organization Medicins Du Monde has set up a "Condom Coffee Shop" in the city's youth center to educate young people about HIV and AIDS. "We are targeting the heterosexual population with education, trying to get to them before HIV spreads even further to the general population," said Martine David, the 23-year-old Canadian who runs the program. The coffee shop is staffed with young volunteers trained to discuss HIV and AIDS prevention with their teenage and young adult clientele. They stage puppet shows and dramas that address HIV and AIDS and distribute free condoms with names like Trust and OK. David said they hope to start inviting high school classes to the coffee shop. "There is no condom education in the schools," she said. "Mainly, the teachers are too shy."
"The government does a good job on AIDS education with TV and radio, but the attitudes don't change," said David. "People tell me 'I go out with good girls,' or 'I'm a university student.' They see AIDS as a problem for prostitutes and drug users."
Programs like the Condom Coffee Shop, though minuscule, are effective because they appeal to people's intelligence, as well as to their fear of AIDS. Programs like these need to be expanded and set up in different areas of Vietnamese society, such as bars catering to businessmen or farmers.
Government billboards and television announcements that warn of the risks of HIV and AIDS are necessary, but this passive form of education is not as effective as the more active, individual education that changes attitudes. In Ho Chi Minh City, a married man who has unprotected sex with a prostitute may read a billboard on his way home urging him to be faithful to his wife to avoid AIDS. But it is only by changing sexual practices and ways of drug use that AIDS in Vietnam will be curtailed.
While the first part of Vietnam's AIDS strategy should address high-risk populations, the second phase should deal with mainstream society. A comprehensive sex education program should be set up for high school and university students. If the teachers are too shy to teach it, specially trained instructors should be used. Outreach programs promoting discussions of safe sex should then be developed and used with groups such as labor unions and other professional bodies.
It is essential that the control of these programs not be limited to "official mass organizations" such as the Women's Unions and the Youth Union. There must be mass participation on a local level to promote active education, not just the passive education from billboards and television. It is as necessary to reach the farmer in the countryside with AIDS education as it is to reach the doctor or government clerk in the city.
Although cultural practices that prevent the candid discussion of sex and AIDS remain strong in Vietnam, it is necessary to try to change these traditions; it's also best if these changes are done by the Vietnamese themselves and not by foreign nongovernmental organizations. Unfortunately for Vietnam, HIV and AIDS do not respect cultural traditions.