Teen charged with murdering Memphis principal

(AP) ? Memphis authorities have charged a 17-year-old student with first-degree murder in the fatal stabbing of a Christian school principal on the third day of classes.

Memphis police said Eduardo Marmolejo (mar-moh-LEH'-ho) stabbed 49-year-old Suzette York multiple times Wednesday at Memphis Junior Academy, a Seventh Day Adventist school of about 100 students. State law allows police to release of names of juveniles charged with first-degree murder.

Police said Marmolejo told investigators he planned to kill York because he did not like her and that she had made him angry. Police say Marmolejo told authorities he knew that he was going to be alone with York in a classroom, giving him the opportunity to kill her.

Online records do not indicate if he has a lawyer.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/386c25518f464186bf7a2ac026580ce7/Article_2011-08-11-Tennessee%20Principal%20Killed/id-19074b1793964edda4e3d5c5867ddcaa

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Beginner Internet Business Podcast Show, a Wealth of Info ? How to ...

Beginner Internet Business Podcast ShowThe Beginner Internet Business Podcast Show is a warehouse of information related to all things internet and podcast. Everyone is familiar with the internet, but ?podcast? can be one of those foreign or fuzzy terms to some (even me). My basic understanding is that it?s a combination of words, ?broadcast? and ?iPod,? a syndicated webcast anyone can subscribe and listen to live on the site or download (even without an iPod).

The important thing to understand for Indie authors and others, is that it?s a great place to learn about some of those other fuzzy internet terms or just discover new info and keep up to date on certain subjects. A small list of podcast ?shows? you?ll find at the BIB site covers topics like creating DVD?s for sale, affiliate marketing, interviews with all types of writers,? podcasting tips, SEO tips, retirement plans, and even a show on How to Market and Sell Ebooks All for Free. Imagine that.

BIB is run by Jonathan Taylor and Russell Portwood. From their website:

Jonathan Taylor has done marketing consulting work for years and has helped numerous small, medium and large businesses establish and implement successful marketing plans. He is the organizer of two Knoxville TN MeetUp groups:
Knoxville Small Business Marketing Group http://www.knoxvillemarketingmeetup.com/ and
The Internet Marketing For Beginners Meetup

Russell Portwood has been active in internet marketing since the 90?s. (Long ago in internet time!) His expertise ranges from information sites and sales of digital goods to complete catalog sites and physical item marketing. He originated Internet Marketing Toolz http://beginnerinternetbusiness.com/go/toolz and the popular Internet Marketing Newz site http://internetmarketingnewz.com/

Give them a check and discover valuable knowledge from other experts. And if you?re an expert on any of these subjects, they might be interested in using you as a guest, which is both a good time and great publicity. They also have a Facebook Group ? http://www.facebook.com/bibpodcast.
?
Subscribe to this blog for updates on whatever I learn for those who want to sell ebooks.

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Source: http://ebooksuccess4free.wordpress.com/2011/08/10/beginner-internet-business-podcast-show-a-wealth-of-info/

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Need An Affordable Ecommerce Solution? Selling On The Internet ...

Selling On The Internet Made Easy

Building Niche Websites and Stores


Looking for an affordable ecommerce solution for building an online store?
Perhaps you already have a brick and mortar store and are looking to expand you business online or you might be looking to start an ecommerce store as a home based business. Regardless of the reasons why there are some common errors that are made by newbies everyday.

Building an online store is now easier than ever however getting traffic to your store sadly is not.

The shocking statistic of 98% of new ecommerce stores that have failed is a testament as to why you need to be prepared to build your online store with the right knowledge of how to to also build traffic. After all no traffic means no business not to mention the disappointment.

Traffic building requires much more than simply submitting your ecommerce store website to the search engines like MSN, Google and Yahoo. Due to lack of knowledge many people truly expect to see their website ranking high simply because they took the time to submit their site.


Search engines provide a source of free traffic for your online business when you know how to use them properly however the competition for an ecommerce storefrount is fierce!

Paid traffic can be extremely costly and is not an affordable ecommerce solution to most new owners. Worse than that is that the big names like Amazon, E-Bay and Yahoo spent literally millions to build their online reputation and people who are shopping online are very familiar with these types of stores as opposed to knowing your ecommerce store name and finding your store!

Unlike your local business in your town or city surfers can?t just drive by your store, nor do they know your name....so how do you get your store found?

The truth is you probably won't!
New owners tend to submit their sites to the search engines using keywords like? "shopping" or "online store" or ?their store name?.? Lack of knowledge on keywords and proper selection and usage leaves them virtually unsearchable.


Another serious mistake is building an ecommerce storefrount that is ?hard core sales? The search engines recognise the surfers interest in quality content information and therefore reward the online stores who provide this information by higher rankings.

Hard core sales sites are becoming a thing of the past and one now needs to recognise that Content Is King!? Of course if you're prepared to spend millions of dollars in advertising every month then certainly the traffic will come also but most of us just don?t have the financial resources for that and there fore need to find an affordable ecommerce solution.

The majority of online shoppers will go to their favourite retailer websites. Generally they don?t do a search for a particular product unless they are looking for a very specific type of product that they have not been able to find at the top retail stores.

With this knowledge you now can begin to understand how difficult it?? is going to be for your ecommerce storefrount to compete with these popular retail giants.
What Is The Affordable Ecommerce Solution?? Build A Niche Store!


What is a Niche Website and a Niche Store?

When selling on the internet in order to be competitive you need to understand the concept of a niche. A niche is a website that focuses on a particular product or topic. Within any particular niches there are many sub niches which are similar or related. For example if you own a camera store you would specialize in your chosen products but also have related sub niches such as camera accessories etc.

Research needs to be done on your niche before you start to build your store to determine if your topic is too broad (difficult to compete with the giants) or too narrow (probably won?t attract too many buyers due to low volume demand).

By researching and determining a niche that will be profitable before you begin you will have a good start to building a successful online store instead of trying to build a shopping site that sells an enormous amount of different products.

When you are selling on the internet it is always wise to start out small and really capitalize on a niche or product that you are already familiar and knowledgeable about.

Let's say you make custom jewellery as a hobby from your home. It would be much easier to drive traffic to a store that sells a specific type of jewellery than to try to open a store that sells all types of jewellery like Amazon.com or other popular jewellery stores. That way you can benefit from the people searching for very specific keywords about the type of jewellery you make.


Why Is A Niche Store An Affordable Ecommerce Solution?

Niche websites have much less competition due to the fact of the type of product that they specialize in. You can test this out yourself by doing a Google search comparing the results when you type in "online shopping for jewellery" versus ?handcrafted jewellery "."Online shopping for jewellery" is a much more popular searched term, but you're competing with so many other webmasters who have top websites and lots of them will be giants in the industry with a large advertising budget as well.

One of the keys when selling on the internet without breaking the bank is getting free traffic from Google by writing keyword rich quality content and continuing to write more content.??


If your niche store is on a hobby or particular type of topic or product you can write multiple pages of content on this subject to help funnel in even more targeted traffic.

The more keyword focused pages you have on your site, the greater chance the search engines will find your site, thus bringing you more visitors and customers

Your keyword rich content you provide is pleasing to both the search engines and your human visitors. By pre selling as opposed to hard core sales you develop a relationship with your traffic and convert them into warm willing buyers.

When selling on the internet creating an information site first and then linking it to your ecommerce storefrount is an effective way to build trust and convert visitors into buyers.

More traffic will hopefully mean more sales for you in the long-run.
You will notice when you go a niche website that they offer much more than just shopping. The best ones satisfy both the engines and the human visitors by providing numerous articles and information about their particular niche.


The keyword rich content pages play a very important role because they are able to generate free traffic from the search engines. So instead of just promoting an online store which simply shows the products, these content pages do the marketing for you by providing the information first?? and then linking to the actual store where the sales are made.

One of the leading niche websites in the world is http://www.jugglenow.com which was built about the sport of juggling. It will be well worth your time to navigate over and see how Jim has created one of the most profitable websites on the net using an affordable ecommerce solution.

You can do the same with the product/ topic/niche of your choice.
Jim and thousands of other entrepreneurs started their online businesses with a web host called Site Build It!

Site Build It is far more than a web host they are an affordable ecommerce solution and they are recognised worldwide as the leading webhost for online business.

SBI is an affordable ecommerce solution that provides you with everything you need to build a profitable business, in fact the Action Guide leads you step by step through the building process and is further supported by all the tools required so you can concentrate simply on your business and not worry about the technical stuff.

Site Build It even provides a tool called Brainstorm It! Which helps you select the right niche/? topic to create your website? which will generate traffic and then sales from your linked online store.


Site Build It offers too many other traffic building tools to mention here but before you begin compare web hosts to see the value and benefits of using their system and tools.

Follow this link to for proof of their ?SBIERS? online business success stories.
The key to selling on the internet by making your store popular and profitable is to build your main site first and using it as the gateway to your online store

Stand alone stores are very difficult to get high rankings on. In fact, most search engines won't even add your store to their index by itself, but they will list your main website that links to your store.? So that's why you need to focus on that main site first.

Site Build It! Offers an affordable ecommerce solution with the proper education and tools that are needed to gradually build a profitable business step by step.
Build your store on your content site or link it to a free online store.

Another excellent affordable ecommerce solution which offers an all in one niche store that? earns revenue by affiliating with eBay that I highly recommend is called BANS (Build A Niche Store)


.If you are new to building a website, I strongly recommend you either consider???? Site Build It! or Build A Niche Store

Both have generated a solid reputation online for helping people make money with a store and they give new webmasters the guidance and tools they need to get started properly and succeed.

My final advice to you is to take your time and do your homework first.Make sure you find an affordable ecommerce solution that suit both your budget and your online business needs.

Return to Business Sense Website Builder Home Page from Affordable Ecommerce Solution


Source: http://www.business-sense-websitebuilder.com/affordableecommercesolution.html

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Recession Real Estate Investing ? Growth vs. Cashflow | Ways 4 Wealth

Recession Real Estate Investing ? Growth vs. Cashflow

Over the next few weeks I would like to look at a number of ?conventional wisdoms? of real estate that influenced investors worldwide, and explore whether they still hold up in the current environment.

Let?s first look at one of the easy targets.

Investing for Capital Growth

This mantra arguably lost more money for investors than any other over the last five years. During the boom time, the bubble pushed yields so low that it was difficult not to jump on the bandwagon.

Like with any stock market boom, the value investor is pushed to one side in favour of the stampede to be like all your ?property millionaire? friends? who became rich in 3 years from flipping and taking capital gains. Of course, ignoring the value means that when markets inevitably find their real value ? which meant over the last three years most of the ?gold rushers? were left exposed with assets they could not service, and who?s value was substantially lower than the bank loan, so they couldn?t sell either.

So where does that leave us in the current scenario? The values have fallen substantially in some areas, especially in previous ?buy for growth? boomtowns like Florida, Nevada, Spanish coasts, the swathes of new apartments in British Inner Cities. Does that mean they are cheap?

Let?s first look at the fundamental economic outlook to answer that question.

Supply and Demand

In areas where buy-for-growth was touted the most, these were characterized by enormous building booms. This led to a large oversupply of both buy to let and normal apartments, which has exacerbated price and rental drops. The issue with buying here right now is that, although prices have fallen back to possibly below pre boom levels, if there are simply too many properties for the market, then prices and rents will remain depressed until that overhang is taken up.

Inflation and Deflation

There are strong arguments for the market going in either direction here. If we have a long period of deflation, like what happened in Japan since 1990 (land prices are still 23% lower than 1990), then prices will continue to stagnate, bank lending will continue to contract, and slowly money will slowly drain out of the sector. If we have an inflationary scenario, interest rates will have to jump up to manage and the investor will need a strong cashflow to survive from the jump in the cost of borrowing. Either way, the real values are likely to erode without proper economic growth.

Bank Lending

There is of course a direct correlation between the amount of money invested in a sector and the growth of that sector ? real estate houses prices boomed party because of a boom in bank lending to that sector. Now that lending has contracted sharply, there is a net movement out of the sector, reflected in houses prices. This also adversely affects the banks of course, since in reality, with gearing they have been the biggest real estate investor of all.

Since it is unlikely that we will see another boom in bank lending any time soon, while the banks lick their wounds and unwind positions, then money will continue to leave the sector. This is one of the most compelling arguments against buying for future potential capital growth.

What should we be looking for then? If it is unlikely that capital values will recover any time soon, then buy-for-growth is dead. Can you still make money from cashflow though?

Let us take an example of a market where right now investors are buying for recovering capital growth, for example Florida, and compare it with a market where investors are buying for cashflow, say Buffalo, New York. With ,000 to invest, you could buy either:

1. A foreclosed Condo in Orlando, Florida.
For 7,000, previously sold in 2007 for 0,000. It may be possible to borrow for 20 years, 60% Loan to Value at 5% interest rate. Rent could be typically 0 a month. The utilities and outgoings here would be 0 per month.

2. Two double unit houses in Riverside, Buffalo.
Price ,000 each. The price has not moved for ten years. The only finance available would be a 5 year loan, 50% Loan to Value at 10% interest rate. Rent could typically be 0 per unit per month, i.e. ,400 a month. Utilities and other outgoings here would be 0 per month per unit, 0 per month.

In a scenario without capital growth, the Orlando option would put you ahead by 8 per month, and the Buffalo by 8 per month. However, in 5 years you would own Buffalo outright.

But let us take a recovery play idea ? let?s say the market recovers fully over the next ten years and the Orlando condo returns to peak levels of 2007, and that Buffalo grows at 3% per annum. And let?s assume no change in rents.

In this scenario Orlando would have given you the gain of 3,000 (assuming you find a buyer) and rental income of 8 x 120 ? totaling up to 9,560 plus ten years of amortization, ,500. Total uplift of 8,060 profit in ten years.

Buffalo would give you rent of 8 x 5 years, then the full ,000 a month income. Hobbling growth at 3% per annum, it compounds up to 6,000 value. ,000 capital growth only, but this is more than compensated by the rent income which totals to ,280 plus 0,000. So the total profit would be ,000 from the sale plus 6,280 from the rent. 2,280 profit in ten years.

In other words, even in a positive capital growth scenario, the cashflow investment still returns 25% more than the ?growth? investment. If the market does not recover (I don?t believe it will, for the reasons outlined above) then the cashflow investment would return more than ten times more profit (i.e. based solely on the incomes above).

Alan Findlay is a?long term veteran of cash flow oriented investing, in both USA and across Europe and Asia.

Article from articlesbase.com

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A 401k Hardship Distribution | China Venus

Growing numbers of people in these difficult economic times make a 401k hardship distribution; they liquidate their qualified retirement savings. Sometimes they decide to take a portion of their savings to invest in a house or in their education. Other times however, they are forced to use their tax-favored retirement plan as an alternative source of money to pay bills when faced with a job layoff, a medical emergency, or some other unexpected personal situation rather than face extreme choices like declaring personal bankruptcy.

A 401k hardship distribution should be your financial option of last resort.

There are several specific ways the savings you have accumulated in a qualified retirement program like a 401k plan can be withdrawn. One way to liquidate funds is through a draw down of money (called a qualified distribution) when you have reached the plans retirement age like, for example, 59 1/2 years of age. A second way, the temporary borrowing of funds, depends on provisions written into the retirement plan agreement. The last way to draw down money from a qualified retirement plan is to seek what is known as a 401k hardship distribution.

What is a 401k Hardship Distribution?

A 401k hardship distribution has serious consequences and should only be made when few other options are available to resolve your financial situation. The distribution cannot exceed a participants total elective contributions and earnings. Details permitting a 401k hardship like a plan loan must be provided for in the plan documentation. In fact, Congress passed the Pension Protection Act of 2006 regulating the use of a 401k hardship distribution that relate to medical issues, tuition costs, and funeral expenses for the primary beneficiary of a plan account just like that of the account holder.

What are qualifying expenses for a 401k hardship distribution?

Various types of expenses have been categorized as qualified reasons for a 401k hardship distribution including:

medical expenses that exceed 7.5% of the taxpayers adjusted gross income (AGI)
first-time home buyer purchases up to $10,000
qualified higher education expenses
a medically-determinable disability that can interferes with gainful employment, is expected to result in death, or could continue for an indefinite period
expenses that would prevent foreclosure of a principal residence
expenses related to the repair of major damages (casualty) to the principle residence
Is a hardship distribution taxable in the current year?

The distribution of funds from a retirement savings plan like a 401k or traditional IRA is never tax-free; the distribution is taxed along with other income at the marginal tax rate in the tax year the distribution takes place. Qualified distributions typically occur after the age of retirement when theoretically a taxpayer no longer receives regular wages and pays higher marginal income tax rates. Non-qualified distributions such as early or premature distributions typically happen before the plans retirement age; they are subject to both the income tax rate and to a 10% penalty. A 401k hardship distribution does not avoid any additional income taxes owed but, when allowed, is exempt from the 10% penalty.

How do I claim a 401k hardship distribution exemption?

Seek professional tax advice when you receive an IRS Form 1099-R, Distribution From Pensions, Annuities, Retirement or Profit-Sharing Plans, IRAs, Insurance Contracts, etc. The Distribution code(s) that appears in Box 7 on the income document describes circumstances that relate to the distribution. An adjacent area can be checked if the plan is IRA, SEP, or SIMPLE. A code 7 in the box indicates a normal or qualified distribution; distribution code 2 signifies an early distribution where exceptions apply such as a Roth IRA conversion, results of an IRS levy, etc. or other circumstances not related to Code 1 early distribution, Code 3 disability, or Code 4 death. Your tax professional interpret these codes and, where appropriate, complete additional tax forms supporting your claim for a 401k hardship distribution exempted from the 10% tax penalty.

401k Hardship Distribution

Source: http://china-venus.com/finance/a-401k-hardship-distribution/

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Food And Drink ? It Truly Is Absolutely Unattainable To Run An ...

It truly is absolutely unattainable to run an effective restaurant without having exceptional customer support. The most effective dining establishments while in the globe have risen towards the top of their business by delivering their consumers with excellent meals, sophisticated and stylish environments and most importantly, incredible client support.

This is a well-documented truth, that if a guest incorporates a constructive knowledge in a restaurant they?ll inform in between 40% and 60% of the folks they meet about that expertise. Conversely, a visitor that has a damaging expertise will notify nearly 95% with the folks they meet and can typically explain the event in a lot more detail. There is no easy method to determine just simply how much profits is in fact misplaced by poor, ?word-of-mouth? promoting, nevertheless it fees an average of 35% far more money to attract new buyers to some restaurant than it does to attract prior friends.

Even though the good quality from the meals as well as the cleanliness in the restaurant are equally incredibly critical to friends, the stage of services provided has the strongest influence around the guest?s perception on whether they?ve got had a optimistic or negative experience.

Many people will return to a facility that gives mediocre foods and wonderful services, but will seldom return into a restaurant that supplies mediocre services and excellent food.

The guest?s dining expertise commences outdoors the restaurant together with the appearance from the facility. A thoroughly clean and well-lit parking great deal with obvious signage will signal a restauranteur who takes pride within their establishment.

Your customer?s encounter continues on the entrance door with how the host or hostess welcomes them for the restaurant. Instead of forcing the guest to converse 1st, a welcoming and hospitable host will welcome your friends to your restaurant having a smile and nice greeting.

From there an attentive and charming server sustains the hospitable local weather and starts to introduce the menu as well as the concept from the restaurant. A good server can offer recommendations, reveal menu substances and in the end impact their guest?s decisions.

Up-selling is actually a straightforward method of selling extra items or increasing the appeal of things bought. A great server can offer the guest which has a unique eating expertise and increase the verify by twenty ? 30%.

As soon as the order has been received, it really is time for your server to be a project supervisor. Timing the arrival of appetizers, drinks and meals can be an extreme juggling act, but is essential into a excellent visitor experience.

Often things don?t go as planned and there may be delays and problems that will impact the guest?s meals or drinks. Guaranteeing the guest is completely informed concerning the progress of their dinner is the best strategy to clean any ?wrinkles? and prevent any escalation.

It really is equally as important to make a constructive affect if the visitor is on their way out of the restaurant as it was about the way in. Every staff member should be trained to desire each and every guest a superb night time and also to thank them for coming to your restaurant. It supplies a very potent perception of gratitude and welcome when 10 folks desire you a superb night when you head for your door.

One of the far more well-known, but hardly ever practiced factors of outstanding visitor service is staff support. Crew Services indicates that ?the part of every man or woman inside a restaurant is to make sure that each visitor has a wonderful expertise.? In practice, each and every server features a ?section? but is accountable to maintain the service level in the entire restaurant. Essentially rather of having one particular server, every single table is serviced through the total crew.

The greatest goal of any restaurant is always to offer good quality food within a inventive atmosphere, presented with sincerity by way of extraordinary services. The more a consumer support system ?anticipates? the wants of its visitors, the better equipped it?s to deliver an exceptional eating experience every time. By consistently providing outstanding buyer service, a restaurant nearly assures its personal achievement.

In an ever-changing and continuously-evolving sector, a single continual remains. The better the level of service you provide for your guests, the more probably it?s they, and anyone they know, will continue to return.

Source: http://food-and-drink.us/1336/it-truly-is-absolutely-unattainable-to-run-an-effective-restaurant-without-having-exceptional-customer-support-the-most-effective-dining-establishments/

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Male Health : Orthopedic And Sports Physical Therapy Magazines ...

Are you a skilled sports player or athlete? Are you somebody who is very specific about your health and fitness? Maybe you're that person who is inquisitive about what's happening in the sector of sports drugs and therapy and would like to read all you'll about it. For the complete news happening in the sector of sports physical therapy you'll notice during a single magazine called the Journal of orthopedic and Sports Physical Therapy. This magazine that has been handling all that has been happening in the sphere of sports drugs and physical therapy has been in circulation for over 28 years. This magazine has unbelievable amount of knowledge and content in all its pages. It is also commonly known as JOSPT among its readers and its pages are filled with tons of exciting news regarding the most recent in clinical and analysis cases. Here are some smart reasons why you ought to think about probing this excellent magazine therefore that you'll know what to expect from it.
This magazine offers its readers the latest info on what is happening in the sector of sports medication, orthopedics and physical therapy. The reader will expect to search out data regarding unusual clinical cases and their treatments. How these cases were treated beneath numerous situations and their success rates. Here analysis papers on patients with varied issues referring to their muscle and skeletal health were restrained and the way they recuperated and were finally relieved of their problems are mentioned in length within the magazine. Lots of knowledge on what is the latest within the fields of biomechanics, orthopedics and sports medication is given in detail for the reader to benefit. The magazine makes it a purpose to produce the numerous methods of treatments which are obtainable for the treatment of patients who have had physical injuries on their body or illness so that the patients can recuperate and their strength restored.
It's not solely the detailed types of treatments which are on the market to patients which are discussed in detail here in the magazine which warrants for its proof of its popularity however additionally the reader can notice that many important organizations the planet over rely on this magazine for the newest in sports medication and physical therapy. This journal is available within the electronic form also. Many organizations like Sports Physiotherapy Australia, The Canadian Physiotherapy Association and also the Irish Society of Chartered Physiotherapists are ardent well wishers of this magazine.
If you wish to know what's happening in the sector of sports and physical therapy, then it will surely be worthwhile if you subscribe to the current journal. For a physical therapist in the sphere of sports, this journal return particularly handy as it offers all the news of the latest technologies and procedures which are being used to treat patients thus that you too can adopt them for your treatments. If you are patient who is fascinated by knowing about the treatment that you're going to take for your injuries then reading this magazine is definitely going to provide you with all the knowledge tat you will need. This one journal that is highly rated and recognized by several professional and patients as being the most effective magazine which is currently providing all the newest data in the sector of sports and physical therapy.
Gerald Bush has been writing articles online for nearly 2 years now. Not only does this author specialize in phobias, you can also check out his latest website about: Lavender Wedding Bouquet Which reviews and lists the best. Flower Bouquet

Source: http://www.didarticles.com/Orthopedic-And-Sports-Physical-Therapy-Magazines-Advantages-Of-Reading-Them-158749.html

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