“Seven Habits of Highly Effective People:

1)  Proactivity
2)  Begin with the end in mind.
3)  Put first things first.
4)  Seek Win Win.
5)  Let me listen to you first… seek to understand.
6)  Create new options.
7)  Self renewal.”

We all know the economy is injured thanks to crooked banks and politicians. I couldn’t be happier seeing people leaving their corporate banks and finding local or at least smaller ones. BofA has miles of real reports of them simply stealing, lying, and hiding fees that will get you every time. Actually huge banks make more money off penalty fees then the accounts themselves. Wells Fargo added more fees then people should of got on mortgages. The list goes on but that is neither here or there.

The banks faults are not the point of this post, this is more about how to fix the damaged economy these banks too for granted and selfishly tanked.

All numbers are estimated based on 5 years and are based on wika data.

1. Lighten all law enforcement. Simply put we have way too many police and highway patrol. The reason is because it’s a business writing tickets and arresting people. But now more then ever the government needs to quit stealing from it’s people. Driving 55 does not save lives, it’s just gives cops a reason to ticket people driving a realistic highway speed.

Amount put back into peoples pockets: $56 billion

2. Shutdown NASA. I think putting our starship dreams on hold is not going to end our dreams as a country. Privatize space travel with subsidiaries and focus on telescopes and scientific computations. NASA is by far the least sacrifice for saving billions of dollars as a country.

Amount put back into the government and new business: $260 billion

3. Tax the richest 1%. Needless to say the rich would not be there without us. This is a luxury that needs to be compensated at least on a 5-10% scale beyond taxes (that they hardly pay).  It should be a special tax that goes completely into a fund for starting and growing new small businesses. Free commercials for each business would be a great idea to help small businesses.

Amount out back into new business: $230 billion

4. Stop the war.

Need I say more? We need to focus on defense as a nation. All able men should get basic training in case of a major war.

Amount put back into the economy: $520 billion

5. Pull out of foreign relations and limit importing.

What bothers me is everything is trying to come up with a  permanent solution when really we need to work on repairing the economy for now and once it’s back to normal we can be more flexible. Lock down imports with strict regulations and subsidize local business. We export almost nothing yet 80% of our economy is bases from other countries products. We will lose nothing and gain billions by supporting local business.

Amount put back into the economy: $600 billion

If we can make the bold moves needed in less then 5 years we will be stronger and smarter then ever as a nation.

You might be asking yourself, what is this 1% hype all about lately? It spawned the protests/riots in Wall Street and many other cities around the US in the last couple weeks and it has economists and pseudo geniuses like myself seriously worried about the future of our society.

I am sure you are well aware of communism and the slippery slope it can be for societies. I fear from the lack of proper regulation and action our capitalist system will soon have the same stigma or worse. The main reasons that communism is bad is that it overlooks the human nature of greed and chain of command which in turn inevitably causes chaos. Meaning at some point someone or one’s is going to want more and if they cannot earn it they will find other ways to get it, like violence and thievery.

On the other hand, allowing people to take as much as they want in a purely capitalist society has even more detrimental effects in the long run as we are seeing now. There is a huge myth that banks ruined our economy by bad lending, this is not true. The money is still here in fact there is a lot more now. What really happened is the ultra rich found a way to get almost all the money and will not spend it. This was allowed because the people that make the rules for our society are getting paid by the ultra rich. These people are the ones that really run the country and ultimately sway policy with lobbyist, bribes, and special interest groups.

These “ultra rich” people are the 1%. This small percentage of the US that has and makes more money then the other 99% combined.

Why is crime on the rise and morals lowering? The answer is simple, lack of opportunity. These ultra rich people that make over 2.2 million a year can easily make a business better then a struggling entrepreneur and these 1% can easily influence the market in their favor through stocks and investments. The old saying you have to have money to make money is becoming more true.

The only hope for low capital starting entrepreneurs is the internet, this tool helps level the playing the field and helps market a business for free with the right knowledge and hard work. We need to fight for the security of a free market on the internet, it is our last hope.

Even with the internet, business is in a huge wreck.  Our capitally ideas are now becoming worse then a communist country, the US is heading for havoc and violence at our current course. If you could not feed your children then a less ethical more potentially violent person will arise to do what is needed to survive. This is nature, not a moral encompass. We have a 9.1% unemployment rate right now, that is almost 10% of our country that cannot find work and most likely will not survive off of what the government gives them much longer. People making 80k a year will now have to live off of 40k this progression is growing as the 1% rich get richer and the middle class gets lower.

Ultimately our society is heading to a 1/99 split with an ultra rich class and a huge struggling massive majority with fleeting family values.

Do you think 300 million people are going to just let 7 million live off of their work and tears? I think it safe to say at any point the system will fail miserably and violence will follow shortly after.

So what is the solution? Simple Communism and Simple Capitalism does not work, so what can we do to have a civilized safe society and stay proactive? The answers are easy, it’s applying them that is hard.

1. Tax the rich (the around 2 mill a year or more class) enough to offset the class spread and bring it back closer together. Then use that money to help small businesses and industry that is ran and made here in America.

2. Regulate the fed and banks, letting them run free to steal billions a year from the people is ridiculous and is decremental to our economy. We need slowly work our way back tot he gold standard.

3. STOP importing everything we buy in the US! Remember when buying American meant something, well people are making less money so now they have to buy cheap foreign stuff. We have been forced to buy foreign products as a result of our disintegrating economy ultimately lowering our moral structure as a society.

4. Provide ultra cheap housing and food for people struggling to even survive. This will help keep crime down and as a society the moral code growing. Keep in mind this would cost less then 10% of Wall Marts profits to do for the entire country.

Ultimately this is a  hybrid of Capitalism with some communist tweaks and it happens to be the only way we will ever get our dream of US opportunity back to where it was when we set the pace for the world as a respected culture and nation.

I was about 19, I had a pretty good job as a manager at the Sears store in Napa. Over 4 years the store went through three owners. They where all great people that taught me a lot and allowed me to be myself. After starting  junior college and working my way through a wine making program with Napa and Davis I decided maybe I should bring in other options considering the importance of this time in my life. I love Napa and wine but I knew I would need more for a full life.

After poking around I asked a family member their opinion on what I should do. She simple asked “what are the three things you like most in life”. At the moment it was music, computers, and small business, this led me to considering these as my new career focuses.

It was quick that I realized Music was a crap shoot and I never was very good at gambling. Shortly after removing music from the equation the other two shortly became my target. Luckily I had a strong work ethic and with the mission to follow my passion I don’t think anything could of stopped me.

I have always love Wine and my home town of Napa but looking back I couldn’t imagine not having my own businesses throughout the years.

Following what you love isn’t always an easy decision, it’s just an important one.

I realize if you cannot follow what you love you should love what you have, this is probably more important. That is why it helps to start early so you have a cushion in case the failures stack up to high and trust me they almost always will.

I knew that the IP of the account was not a factor when Google decided if your domain is going to move up the SEO ranks. But according to this Article by the Google filter guy himself the Hostname is a factor. I am sure it’s not black and white but…

A host with thousands of accounts on one server like hostgator, godaddy, and I have heard dreamhost mean if another website on your server is in on the front page of Google you are very much less likely to get on there after. Also because these hosts have unlimited domains people tend to think it’s good to create a bunch of websites and cross link them. This can actually flag your server and once again effect your ability to rank high in Google.

Here is the excerpt from Google.

“Seven of the top 10 results all came from one domain, and the urls look a little… well, let’s say fishy. In 1999 and early 2000, search engines would often return 50 results from the same domain in the search results. One nice change that Google introduced in February 2000 was “host crowding,” which only showed two results from each hostname (here’s what a hostname is). Suddenly, Google’s search results were much cleaner and more diverse! It was a really nice win–we even got email fan letters. Unfortunately, just a few months later people were creating multiple subdomains to get around host crowding, as the results above show. Google later added more robust code to prevent that sort of subdomain abuse and to ensure better diversity. That’s why it’s pretty much a wash now when deciding whether to use subdomains vs. subdirectories.”

Why am I telling you this?

lol Basically this is another great reason to use a premium host like DWHS Website Hosting We limit our servers to about 300 accounts this is almost a thousand less then these cheap bulk hosts do. We also do not have unlimited domains and monitor our servers for customers trying to use black hat search engine tricks. We have thousands of first page Google listed customers (like we are) that will stay on the first page in Google because of the extra effort we keep as a premium web host.

“I know the lure of unlimited sounds good but trust me if you actually start to use a lot of resource you will have major issues and in most cases you won’t even know other then less sales dropping from disgruntled site surfers.”

With the many more reasons to choose a premium host like DWHS why use a cheap bulk hosting service?

It’s not the money, our plans start at just $3 a month. Web Hosting Plans
It’s the not the performance, we are more then 3 times faster then Hostgator.

It’s not the tools, wee have more tools that are rated higher.
It’s definably not the customer service, our highly trained staff have been here for a decade!

My guess is good marketing, but to be honest I would rather put my money into our advanced hosting technology and grow moderatly then to grow too fast by offering host crowding and false claims to the masses.

I have said this hundreds of times.. “it’s NOT the idea as much as how you APPLY it. The best ideas in the world are wasted because whoever had them simply didn’t know how to apply them well. Typically there are thinkers and doers, it is very rare to be able to do both. So next time you have that big idea find someone to help you apply it, or if you are frustrating that people do not work hard enough with all these great ideas floating around then you should find some idea people and make it happen!

If you want to sell toilet paper then you could start a toilet paper business right now online and if you truly kicked butt at it you could make a living. My point is it’s not what you sell as much as you believing that it will work, work hard, and work very smart to make it happen.

Here is 100 ideas that have proven to work and can make any person a living if applied right.

1. Ad Network
2. Apartment Locator
3. Art Supply Store
4. Association Management
5. Auction Site
6. Auto Advice
7. Banner Ad Designer
8. Beauty Products
9. Blog Software/Blog Directory
10. Bookstore
11. Business Opportunity Center
12. Business Broker
13. Business Plan Writing Service
14. Cartoon/Joke Writer
15. Classified Ads
16. Collector Store—Rare Books and Records Finder
17. Commercial Cleaning
18. Community Events Web Site
19. Concierge Service
20. Cookbooks and Recipes
21. Copy Writing
22. Coupon Site
23. Craft Store
24. Custom-Made Calendars
25. Custom-Printed Products
26. Cybermall Owner/Operator
27. Desktop Imagery
28. Dining Guide
29. Direct Marketing/Direct Mail
30. Do-It-Yourself Site
31. E-Books
32. Educational Products
33. Electronics Store
34. E-Mail Reminder Service
35. Employment Agency
36. Event and Meeting Planning
37. E-Zines (Online Magazines)
38. Fund Raiser
39. Genealogy Research
40. Gift Baskets
41. Gift Registry (Online Wish List)
42. Graphic Designer
43. Health Guide
44. Hobby Store
45. Hotel Guide
46. Hunting and Fishing Supplies
47. Image Consultant
48. Information Broker
49. Interior Design
50. Mail List Service
51. Map and Tourist Information
52. Market Research
53. Monogramming
54. Movie Review Site
55. Music Center
56. Newsletter Developer
57. Online Coach
58. Online Flower Store
59. Online Modeling Agency
60. Online Promotion Company
61. Online Resort Directory
62. Party Planning and Supplies
63. Photo Display Site
64. Podcasts and Podcast Directory
65. Photography
66. Press Release Developer
67. Press Release Distribution Service
68. Printing Service
69. Private Investigator/People Finder
70. Professional Organizer
71. Public Relations Specialist
72. Real Estate Site
73. Resume Writing Service
74. Rubber Stamp Business
75. Search Engine Optimization Service
76. Search Engine Submission and Monitoring Service
77. Seminars Online
78. Senior Services
79. Sign-Making Service
80. Small Business Resource Center
81. Software Download Site
82. Sports Equipment, New and Used
83. Survey Service
84. Tourist Information Center
85. Trade Show Directory
86. Training/Speaking
87. Transcript Service
88. Translation Services
89. Travel Consultant
90. T-Shirt Design
91. Tutoring Services
92. Used Computer Sales
93. Virtual Assistant
94. Virtual Makeover
95. Web Design
96. Web Master
97. Web Radio
98. Web Site Review
99. Wedding Products
100. Weight Loss Service
101. Who’s Who Directory

If you need help applying them then let us know, that’s our job!

Thank you,

Charles Yarbrough
www.dwhs.net
www.charlesyarbrough.com

Granted, debt can lead to big problems for individuals as well as countries, witness Greece’s woes. But that doesn’t mean that everyone has a realistic shot at living a debt-free life, or that they should even aspire to do so.

Take me, for example. I’m particularly leery about taking on debt, but I have a mortgage that I’m still paying off. I took out loans to pay for college too, but I paid those off many years ago.

In both instances, I think it made perfect sense to borrow. In the case of my mortgage, my wife and I decided after the birth of our son that we’d rather raise him in a house with a yard than in the cramped apartment in New York City.
We paid cash for our million-dollar home

Without a mortgage, it would have taken us many years to scrape together enough dough to pay cash for a house. So for the improvement in quality of life alone, taking on a mortgage was a good move.

As for the school loans, it would have been impossible for me to get through college without them. From a purely financial point of view, the loans were a bargain, as they allowed me to get an education that has helped me earn more than I would have been able to otherwise. That education has helped me in lots of other ways, too.

So when it comes to debt, I don’t think total abstinence is a smart way to go. Rather, you should evaluate your finances and your goals and then decide whether borrowing is sensible and practical in a particular situation.

Among the questions you should ask yourself:

Why are you taking on the debt?
Is it for something you truly need or will it make your life significantly better?
Can you get what you want without the debt or without inflicting undue hardship on you and your family?
Will borrowing restrict your ability to maneuver financially in the future?
How much debt can you handle without jeopardizing your financial security?

I think most people who give those questions serious thought can distinguish between when it pays to borrow and when it doesn’t.

If you decide to borrow in order to own a home, fine. But that doesn’t mean you should buy more house than you can really afford by taking on more debt than you can manage or by opting for a mortgage with a teaser rate that could bust your budget when the rate resets.

No credit card, no 401(k), no problem?

The same goes for a car. Borrowing to buy a car that makes it easier to commute to work is reasonable. Buying a luxury-mobile with a loan so huge that the crushing payments force you to forego or skimp on 401(k) contributions, well, that’s not so smart.

Of course, just because people are capable of making these distinctions doesn’t mean they always do. In reality, people find all sorts of ways to rationalize questionable borrowing. Sometimes they confuse “need” with “want.” I may want that new 70-inch LED LCD TV.

But do I actually need it?

Or they justify borrowing on investment grounds. A few years ago when it seemed home prices were only going up, I warned about the practice of “equity maximization,” or borrowing against home equity for the purpose of investing the loan proceeds.

Other times, the deals seem so good they may not even realize they’re headed for trouble. That’s often the case with credit cards, where a combination of easy borrowing, teaser rates and low minimum payments makes it all too easy for people to suddenly find themselves in over their heads.

It seems to me, though, that the right reaction isn’t to avoid all debt at all times because it might lead to financial perdition. Rather, a more rational response is to be prudent about when to take on debt.

Speaking of prudence, there is one time when I think people should seriously consider ridding themselves of debt, if not entirely — at least mostly. And that’s when they’re in or entering retirement.

How to get out of debt quickly

Without a regular paycheck coming in and the opportunity for your income to grow, it’s that much harder to manage debt — and easier to get overwhelmed by it.

But even in retirement there may be times when debt could be helpful. If someone is struggling to get by but has substantial home equity, a reverse mortgage may be a way to improve his or her standard of living.

So I recommend taking a nuanced view that allows for the fact that debt can be good, bad or something in between, depending on the situation and how carefully you handle it.