The most stunning banner ads are usually the hand made ones. Anyone with computer knowledge can learn how to make a very basic banner ad. To code the banner, simply combine the HTML tag for a link with the HTML tag for an image. You can create the necessary graphics using a simple computer art program, like Paint Shop Pro. Keep in mind that you don't need to animate this banner. In fact the less animation the better or the search engine spider may read the banner as a frame containing blank space which is poor SEO.

Basis banner ads are so easy to make you can make sores of them for your site in less than an hour. Do-it-yourself banner ad sites work really well for most people, but if you like you can also hire a professional ad designer. You can get a professional banner ad for $50 on a place like or or you can spend upwards of $1,000 depending on what kind of designer you hire to work with.

Still it seems silly to hire someone when it is possible to get good results for free. There are hundreds of Web sites that offer tools for free banner ad creation. These automated sites provide you with all the mechanisms that you need to make your own banner ad, such as backgrounds and fonts. Some of these sites will simply generate a banner for you. Some require that you do a banner exchange with them in return for using their services.

本文出自 Mr.J ....
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Have the proper mindset

It is crucial that you have set your mind to set aside a part of your salary for your retirement. This can be in the form of a bank savings account, a 401k plan, etc. It does not matter how small or how large an amount you will save as long as you set it aside. You can eventually increase the amount that you save whenever you have extra money, you get a salary raise, or you have finished your payments.

Know what you will need

Retirement will be expensive. According to estimates done by experts, you will need 70% of your income before retirement to sustain your standard of living after you have stopped working. You should look into the benefits that you will receive from Social Security. About 40% of your pre-retirement earnings are to be paid back by Social Security.

Your employer's pension or retirement plan

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BARSTOW Barstow College Foundation will be hosting its 10th annual Festival of Lights and Learning Tuesday - a tradition that brightens the campus not only with lights, but also with scholarships.

The festival begins at 4 p.m. in the plaza outside of the campus’s Learning Resource Center and will continue until 7 p.m. The lighting ceremony will begin at 5 p.m.

The Barstow College Foundation raises money for scholarships by collecting donations for a strand of lights to be hung in their honor. So far the foundation has raised more than $10,000, but hopes to raise more than last year’s $12,000 by the end of the festival.

The money will go toward scholarships for high school seniors transitioning to Barstow Community College.

"This event helps to go toward the more than 100 scholarships given to students by the foundation," said the college’s spokesperson Maureen Stokes. "It’s a collective effort. We try to raise money any way we can."

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David Heath
Thursday, 15 December 2011 13:43

Business IT - Security

Commonwealth Bank is blaming a "network outage" for last night's 4 hour disruption to banking services.

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Opportunity Dock is a new website that provides people with everything they need to start making money online. Along with guidance and support from the website's team, Opportunity Dock provides access to a thriving community for sharing ideas and expertise on how to earn an income through the internet. It's not a 'get rich quick' site, but for people who are prepared to put in the hard work and gain the rewards they deserve.

Schenectady, NY (PRWEB) October 19, 2010

There are many hype filled websites offering to turn people into internet millionaires, seemingly overnight. Opportunity Dock, however, is not a ‘get rich quick' site. It's a website for people who are prepared to put in the effort and discover how honest, hard work will reward them with the results they deserve. Three years in the making, Opportunity Dock makes it easy and inexpensive for anybody to start working from home, and gain a much needed boost to their income.

Along with guidance and support from the website's team, Opportunity Dock provides members with access to a thriving community of people already making money online. Members can share ideas, pool their expertise and support each other in discovering how to earn an additional income stream through the internet.

"Earning money online isn't the impossible dream many people might think," said Opportunity Dock's founder Paul Birch, "I created Opportunity Dock to help other people get started and to benefit from some of the techniques I've learned over the last 10 years. I also wanted to create a community in which people could share ideas and help each other reach their online income goals. We've been delighted with the community we've built already on Opportunity Dock, and look forward to welcoming many new members in the coming months and years."

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Nekose Wills offers an iconoclastic account of being a black woman at Penn State, the football powerhouse hit by child sex-abuse allegations. She can't share the widespread lament for a community that never made her feel welcome or even safe.

(WOMENSENEWS)-At a certain point in the days after the Penn State sexual abuse scandal blew up in the media, I reached my breaking point with all the shock and disbelief about how such things could happen in "Happy Valley."

I am a Penn State alumnus.

One thing going to Penn State taught me was that any institution of learning willing to concede its entire identity to its sports teams has dropped the ball and missed the goal. Curiosity, openness, skepticism, criticism are all basics of intellectual life but these values run contrary to being a football powerhouse school, where domination and celebration of the status quo are rewarded. I learned and experienced this lesson very well at Penn State.

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T.J. Holmes , the affable CNN weekend anchor who told colleagues on Sunday he was leaving the network, is heading for Black Entertainment Television, according to a source familiar with Holmes' situation.

BET plans to build a show around Holmes, 34, the source said. Neither Holmes nor spokeswomen for BET were available for comment.

BET made the announcement official later Wednesday.

"BET Networks has inked a multi-platform talent agreement with award-winning journalist and television personality T.J. Holmes, as announced Wednesday", it said. "The deal with Holmes includes a new show on BET as well as content on BET.com in which he can bring his many talents to some of what BET says it regards as 'the most important and interesting stories' for their audience.

"We are simply ecstatic to have T.J. Holmes coming to our fold. He’s been an outstanding news anchor and we look forward to working with him in a variety of new ways on BET,' said Stephen G. Hill , President of Music Programming and Specials at BET Networks. 'It’s now upon us to develop vehicles that capture his intelligence, curiosity about the world, warmth, humor and compassion. It’s a challenge that we are happy to have.' "

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Bank of Queensland (BOQ) has become the first bank to cut its interest rates after the central bank cut the cash rate to 4.25 per cent.

BOQ said it would reduce the interest rate on its standard variable rate home loans by 25 basis points to 7.36 per cent.

Chief executive Stuart Grimshaw said passing on the full cut was the right thing to do by customers.

The Reserve Bank of Australia (RBA) cut the cash rate to 4.25 per cent from 4.5 per cent at its December board meeting.

It was the second consecutive month that that the RBA had cut the rate.本文出自 Mr.J ....
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Just about the time the congressional "supercommittee" declared failure, our national debt clock rolled past $15 trillion. Even as the discussions, co-chaired by Sen. Patty Murray, D-Wash., ground to a halt and Congress left the Capitol for Thanksgiving, the debt clock kept ticking.

That means each taxpayer's portion of our debt is now $133,687.

Where will this all stop? Are we headed for another partisan meltdown over raising our debt ceiling? Will we see another downgrading of our nation's credit rating?

It is no wonder investors are keeping their money in their pockets. Credit analysts are beginning to question our nation's ability to repay what we have borrowed, and the financial markets are rising and plunging like the cars on a roller coaster.

It is time to look north and take some valuable lessons from our Canadian friends.

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Did you know that insurance companies typically consider yourcredit history, whether positive or negative, when you apply forauto or homeowners insurance? Insurers may use your creditinformation when deciding whether to approve your insuranceapplication and when determining the premium you'll pay.

Why does your credit history matter when you apply forinsurance?

Studies by independent researchers and insurance industry actuarieshave convinced insurance companies that a strong correlation existsbetween your credit history and the likelihood that you'll file aninsurance claim. Using information contained in your credit record,an insurer calculates your insurance score. If your insurance scoreis low, the insurer may consider you to be less of a risk than ifyour insurance score is high.

How is your insurance score determined?

Although methods vary, an insurance company typically calculatesyour insurance score by applying a mathematical formula tostatistically significant factors on your credit record. Thesefactors may include the amount of debt you have outstanding,whether you have serious blemishes on your credit report (such aspast-due amounts, collection actions, and bankruptcies), and thenumber of times you've applied for credit within the pastyear.

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TAMPA, FL--(Marketwire -12/05/11)- Stephfan Nurse, a loan modification expert and CEO of Consumer Education ( www.consumereducationonline.com ), understands applying for one is a stressful, confusing process that can take several months.

This could explain why, according to the Treasury Department, only about 700,000 homeowners sought aid from Home Affordable Modification Program (HAMP) through the third quarter of 2011. When the Obama administration rolled out HAMP in 2009, officials estimated 3 to 4 million borrowers would seek relief from their mortgages through the program amidst the worst recession and housing market collapse in decades.

Nurse says he founded ConsumerEducationOnline.com to get homeowners the information needed to navigate the process. It includes a free pre-qualifier, where homeowners can input their figures and determine for which modification program they qualify. His "Mortgage Reduction" software uses the same guidelines as lenders and helps ensure that financial statements are complete and ready for lender approval.

Among Nurse's need-to-know items are:

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Gold and silver started the week with very sharp losses; many commodities prices, stock indexes and forex exchange rates also sharply declined yesterday. This reaction was probably prompted by the markets' disappointment from the recent EU Summit. Moody's announcement to reconsider all EU countries credit rating may have also helped push down the financial markets. Today, the FOMC meeting will be held, U.S. retail sales report will be published and GB's CPI will be reported.

Gold sharply declined on Monday by 2.83% to $1,668.2 ; silver also declined by 3.88% to $31.00. The chart below shows the development of gold and silver in December.

EU Summit Dragged the Markets Down - Moody's May Revise Credit Rating

The market didn't react well to the agreement struck among many EU countries; the agreement was reached over the weekend in the recent EU summit.

Moody's also reacted to this agreement and stated that it will review all the EU's countries credit rating and may revise it down. This news was probably also among the factors to drive the commodities markets down including precious metals market.

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