Going Organic With Bono

by Rick london

Around 992, I was just another “corporate policy wonk” in Washington, D.C. I had been working in media and corporate relations for over a decade before I decided to strike out on my own and “build my own empire”. It was more like “The Empire Strikes My Back Side”. I was quickly becoming, or had become, a workaholic, which would serve me well later when becoming a cartoonist and e-tailer; purveyor of funny gifts and collectibles online, the business I am in now, but I would “pay some dues” before affording that luxury.

When burnout happens from corporate monotony and abuse in within the Beltway, or any other location i imagine, a person has to get away. And the further the better. I chose Hawaii. There was no Expedia, Orbitz, or Priceline, so i visited my friendly neighborhood travel agency. They recommended three islands, Oahu, Maui, and Kauai. Oahu is mandatory as that is where the plane lands. Air Hawaii was still in operation then, and I immediately took off to Maui and rented a convertible jeep. This story is not about “my summer vacation”, but about Bono of U2, a coincidental meeting with him, and later a business association.

I remember being so tired when I arrived in Maui, even the sheer beauty of it all did not perk me up. I spent most the time laying on the beach, went whale-watching a few times, sight-seeing etc. My most “exciting” part was the end of the day when I could crawl into bed and sleep with no noise, murders, heavy traffic, and the like, that was so prevalent inside the Beltway.

It had to be about two or three in the morning when i was suddenly awakened. I heard a loud crash, some laughing, and guitar playing in the room next to me. I figured it would go away soon but an hour later it was still in progress. I politely knocked on the door and told them I was there to rest and to please hold it down. It was a group of men and giggling young attractive women. The man answering the door looked a bit familiar and introduced himself as “Paul” The men had Irish accents, were very friendly and invited me to join them.

I politely opted-out and asked them again to be a bit quieter. They didn’t so I finally called the front desk to complain. He seemed a bit nervous. He explained to me that he would do his best, but the group in the room was a band that had just done a concert on the Island, and it might be a bit difficult but he would do his best. I told him if he couldn’t, to find me another room, but the hotel was full. It turned out he couldn’t, so an hour later I knocked again.

The party had gotten louder and I was invited in. I figured if I made friends with “these nuts”, stayed a few minutes, they would get the message and quiet down. Paul introduced me to his band “U2” and said “and most call me Bono, but you can call me Paul”. I had not heard of Bono, but thought, what the heck, seems like a nice group, I’ll play along. One asked me if I played any instrument (they all had guitars), and i said that i do. (I play the guitar). I was handed one and jammed with a few of them for about 15 minutes and we were having fun and I felt my long lost “mojo” returning.

Their league, I learned within moments, was way above mine in the musical arena. They were playing guitar riffs I could not perform, much less of which I’d seen others do. I figured, “This U2 must be a popular band and might even be a bit famous”. I thanked them for inviting me in and the hospitality and, they did finally get to sleep around seven in the morning. I later read in the paper the next day they were the biggest thing in America and doing a world tour. Oddly, their hit song “One” became one of my favorite tunes, before I even knew Paul wrote and sang it.

Fast forward another 15 years and the story gets odder. I am a cartoonist with a number of funny gift and collectible Internet shops. I had wanted for years to be the first cartoonist to “go green” with my funny tee offerings but buying the 100% organic cotton from the manufacturers was totally out of the question, given my budget. I would have had to stockpile/inventory it and buy the printers, and do all the labor, including shipping. No thanks.

Suddenly I read an article that Bono (Paul) and his wife Ali had opened a 100% organic textile plant with offices in Dublin and New York called Edun Live aka Edun Online, and was offering a for artists and cartoonists to “go green” without having to invest a huge sum of dollars. They had figured out a manufacturing and distribution and drop-shipping method that was within my budget. I took the bait, and I’m glad I did. I did, in fact accomplish that goal, thanks to Paul/Bono, and continue to be the first and only cartoonist to have a totally 100% organic cotton t-shirt shop for men and women.

Final Note: I have totally forgiven him and the band for the late night in Maui, and even stay in touch with their offices in Dublin. Also, it turns out Bono had not scheduled a concert in Hawaii at that time. They were resting as well, in between gigs. It was one of those situations where someone asked them if they wanted to play, and they did so on a whim, in a high school football stadium. Bono, even then, obviously had the “to thine own self be true” philosophy. He was not doing this to make money. He was doing it to make music. By the way, Paul’s wife Ali has created her own line at Edun Online as well, not cartoons, but high-fashion and worth seeing.

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Must Have Tips for Reservationless Conference Calls

by J. Falk

Reservationless conference calls are a quick and easy way to get many people connected to one another without having to get them all in the same place. Only short notice, and sometimes none at all, is required to schedule a reservationless conference call. Costing only about $0.10 per minute, reservationless conference calls are one of the cheaper teleconferencing options.

When you sign up with a provider you’ll get a telephone number that connects you to the call bridge and an access code that lets you access your ‘conference room’. These numbers are to be distributed to and used by all the participants in your call.

Since most conference call systems are fully automated, about the only equipment you would need is a telephone.

Some teleconferencing providers do offer free conference calls, but to use these services you must often incur long distance telephone charges. In comparison, most paid services provide a toll free call in number. When choosing a conference calling provider you should look into which plan is most cost effective for your intended use and be on the lookout for hidden fees as well.

Ease use, the increase in remote employees and the fact that there is no special equipment to buy are all factors in the increase in popularity of the reservationless conferencing system. More and more businesses discover this model everyday and some are even beginning to use reservationless conference calling as their primary teleconferencing solution. Able to connect people from anywhere in the world, reservationless conference calls are fast becoming the worlds premiere cheap conferencing tool.

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Using Private Money for Funding

by Dan Gibson

Whether you are reading magazines or watching the television, all financing discussions center on the banking industry. Taking it in, one would imagine your only option is to work banks for loans

This generalized notion of finance has been cracked this year. As banks start to fall apart, many are shocked to see the paper thin nature of the finance market. If you think this is bad, 2009 is shaping up to be much worse.

Lending institutions do something very interesting when they start feeling financial pain. They stop lending money. While they are happy to take in deposits, the hold on to it in an effort to balance out their books.

As we all know, money makes the world go around. When banks stop lending, borrowers look around for other sources. One of the popular choices is the private money lenders.

Private money is pretty much what it sounds like. It usually consists of a collection of wealthy individuals pooling their money in anticipation of loaning it to companies for profitable purposes.

Banks are creatures of habit. They only deal with certain loans that fit their comfort level. If a loan requires them to be creative at all, they will not write it. Fortunately, private money lenders will.

Remember, private money is not a bank. That means creative financing situations are not a problem. In fact, they are usually welcomed because they tend to mean more profits.

You might think the individuals who make up a private money lender might be a bit shady. They are not. They typically are a collection of high net worth individuals such as physicians, CEOs and so on.

Ah, but what is this going to cost me? The answer is entirely dependent on what you are trying to get financed. The private money lenders are in it for a profit. Sometimes the cost is the same as normal loans and sometimes more.

The early part of this decade saw a period of easy money lending, but that has changed. Getting a loan now can be brutal. Banks are being very tight, so look around. Private money is as viable an option as any these days.

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Affordable Entertainment Is TV On Your PC

by Elizabeth Clark

Entertainment and technology are growing at a phenomenal rate. Major corporations are presently conducting research on newer more savvier looking computer systems.

Streamlining computers with wireless keyboards that conform to the design of your home are the future of the industry. Voice activation along with color monitors are currently on the assembly line.

No matter how you slice it my friend, sophisticated chic looking computers with MP3 compressed file technology are here permanently. Your computer can make happen just about anything you can imagine.

Major computer corporations like Dell, Hewlett-Packard, Gateway, and HP are designing futuristic computers that are economically affordable. A question to consider is? Why spend $2000 and up on a TV when computer technology like TV on PC gives you so much more and is economically affordable.

For those of you who are unaware of what TV on PC is, I’ll briefly explain. Its software that you can download to your computer that will allow you to watch TV on your PC.

Now remember, this is your computer and you want it to run smoothly so be aware of those freebies, you know, those free offers or downloads. You get what you pay for!

Now understand this, the best TV on PC companies offer a 60 Day Money back guarantee. The best companies also offer a one-time flat payment, usually from $40 to around $99. But you will never have to pay anything else again.

The ability to watch live TV on PC using multiple windows; paying your bills or e-mailing a friend yet keeping current with the latest news and sports at the same time.

You must understand that the cable TV companies are happy to know when all television goes digital in February of 2009, consumers will be dependent on the cable and satellite companies.

So what do you think will eventually happen to the price of cable and satellite TV? Yes, prepare yourself or higher prices (at the pump) if I might add. A reminder of dependency on gasoline which lead to higher prices should never be forgotten.

If you do decide to download TV on PC you must first consider the speed of your Internet connection. The quality of your picture will be better with a faster Internet connection.

Unless you’re running a DSL connection or faster forget about downloading TV on PC. Here are just a few reasons I believe watching TV on PC is a enjoyable experience.

It’s like picture in a picture on (steroids)! You can watch your favorite movies, news or sports all at the same time! The multiple windows are there for your convenience.

Here is all you get for a one time low payment FOREVER, not free, stay away from free. Your benefits include thousands of channels worldwide.

The download is easy to install. Also live tv on pc cannot be effected by bad weather! You receive immediate access the same moment your payment is processed.

You also get timely support, not necessary, unless your computer is already running bad. This is all the more reason to stay away from free satellite tv on pc! You wouldn’t put dirty oil in your car, would you? So why cut corners with free satelite tv.

Remember the average monthly cable bill is around $90 if you multiply this by 10, that’s $900 you could buy a small television or computer for that price.

Satellite TV on PC is the way of the future, so why not save money while the price is still affordable? The future of quality television programming is here!

You can also transfer your viewing experience from your computer to your television set. Awesome! This can be done easily to better entertain friends and family.

This can be done easily with out messy wires, in a matter of minutes. From my own personal experience I know this technology is simple and works!

Believe me, I don’t get paid a penny for revealing this awesome information. But when something is good, word of mouth, is the best advertisement.

Go to: http://www.x10.com/homepage.htm

“At the top of the website” click on (wireless video sender platinum). With this product you can start watching television from your computer to your big screen.

Now let me reiterate future facts, the analog to digital conversion of American television sets will start in February of 2009. Some Americans will choose the $40 rebate on converter boxes given from the government. Many Americans will become dependent on cable television.

Yet for the same price of TV on PC you can receive 3000 plus TV channels. So even with the above scenario you still come out ahead choosing TV on PC. So why not avoid the monopoly of the future cable companies?

Its your choice, I’m sure you are aware of this. I’m just making clear that TV on PC is a far better solution. If a gallon of gasoline cost the same amount as a full tank, which would you prefer?

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Make Extra Money

by M Taylor

An extra income opportunity is a home based business which allows you to have the opportunity to make more money on your own terms. People get into extra income opportunities for a number of different reasons.

1. There are a lot of us who find ourselves in an intractable battle to make a balance between work in family, both in terms of money and in time. If you are always working just to make the bare necessities and never even get to see your family, is it worth working so hard?

2. A strong desire to achieve financial and personal independence by bringing in some extra income for their households with work from home opportunities.

These are the reasons why work from home opportunities have become so popular. These businesses give people the ability to work on their own schedules, spend more time wit their families and of course there is the added income.

So how can you find the right extra income job for your needs? Consider the following:

1. Think about what your strongest skills are. Is it writing, programming, marketing, or something else?

2. Think about what your family and friends think of as your strong suits, as well as your biggest weaknesses.

3. Think about how your current job and the skills it requires fits in with the work from home opportunity you are considering.

4. Think about the kind of job satisfaction you have now against the job satisfaction you could have with a well suited extra income opportunity added.

5. Think about the skills you have which you do not get to use in your regular work; could you make them a part of a home based business opportunity?

After thinking about all of the above, talk to some people who have already gotten into extra income opportunities and get their insight. You can also use the internet to do some research on the opportunities out there. Write down the opportunities which appeal to you and make a top five list of them.

Take just a small step as first and spend about an hour a day working on your new extra income opportunity. This way you can try out an extra income job without committing too much time or effort to it. After one or two months, sit down and evaluate how much money you are making from this opportunity and how well suited the work is for you. If you like the work and the money is good, then start putting more time and effort into it. If not, try out the next extra income opportunity on your list. Remember that these opportunities are real businesses and you should treat them that way; you can’t put in the barest minimum of effort and expect to become wealthy. You can take advantage of these opportunities and if you are willing to work hard, you can make a lot of money doing what you like to do.

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Buying Domestic Helper Insurance

by Alice Sy

Buying domestic helper insurance is a necessity nowadays. Domestic helper insurance caters to the needs of both maids and employers. Thus, different packages are available to suit their increasing demand for protection in case of accidents and untoward events.

Domestic helper insurance offers different packages containing various policies. It is very important to carefully consider which package is right for you and your maids. And with all these fast emerging insurance companies, making a choice can be confusing. In this regard, the credibility of the insurance company matters a lot.

Many big insurance companies are in the field of customer service for years already. Their credibility foundation is strong not only because they have wider network, but more importantly, they know how to implement their policies effectively and to take care of their clients. In choosing domestic helper insurance company, look for credibility.

Policies are the most important thing to look for in buying domestic helper insurance. The policies contain which items are covered by the domestic helper insurance. Attractive packages that suit everyone’s needs are available. Standard domestic helper insurance covers medical and hospitalization fee. Check which domestic helper insurance plan is right for you.

Some policies cover just the medical insurance of the domestic helper, while some include the dental insurance. There are policies which cover all types of accidents, oftentimes called full protection, and there are some which clearly indicates exclusions from the plan coverage. Other details like repatriation expense, service allowance insurance, etc. in favor of the domestic helper vary from one insurance policy to another.

Protection of employers from theft and fraud are also covered by domestic helper insurance. The employer can complain unauthorized use of International Direct Dialing system and can recover any loss from the insurance company. Premiums can also be included in case his domestic helper is repatriated or suffers illnesses and accidents.

Buy a domestic helper insurance which is cost efficient. The insurance should attend to the basic need of both domestic helper and employer for protection in case something happens. And the cost should also be affordable and reasonable depending on the status of the employer-domestic helper relationship. Some domestic helper work full-time while some part-time. There is always the right domestic helper insurance package for everyone.

The conditions and terms of agreement before buying domestic helper insurance should be understood. It is very important that both parties know their rightful claims in case something occurs. This is the very purpose of having domestic helper insurance.

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Private Money Lenders for Bad Credit Borrowers

by Dan Gibson

We are measured by our credit from a financial perspective. If you have bad credit, it can be a real deal killer when apply for personal loans. Ah, but what about in the commercial loan industry? Well, there is some good news for people with poor credit.

Unlike a traditional lender, a private lender will not look at your credit report. Additionally, a private lender will not look at your monthly income. What they will look at is the project that you are proposing and the worth of the property.

Assets are one thing private money lenders will ask about. They are trying to minimize risk, so they will want security interests in any valuable things you own. This means you have something on the line which makes them more comfortable giving you money.

One of the frustrating things about traditional banks is waiting for something to happen with your loan. Private lenders are completely different. You usually have a decision in 48 hours. If you get the loan, money will be disbursed in 72 hours or so.

Any discussion of a loan has to involve interest rates. You are going to pay more with private money. How much depends on your situation. That being said, at least you will get the loan whereas a traditional lender would just reject you.

Those that are able to pay off a private loan on time often find that they are also able to build back their credit. Not only will you have the money that you need right away, you will also be able to re-establish your credit thanks to the loan itself. In most cases, this is a win-win situation.

As mentioned previously, the private loan process is a quick one. Make sure you fully understand everything about the loan. Read the terms and confer with a lawyer if you have any questions. Do not take a loan you cannot really afford.

Been rejected by a bank on a loan application? Why should you give up on your dreams just because the bank said no? Do not take no for an answer. Go for a private loan instead.

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FHA Seller Assisted Down Payment Programs Should Be Saved

by Carl Pruitt

On Sept. 16, 2008 HR 6694 is being considered by the House Financial Services Committee. The Committee should be encouraged to move the bill out of committee to be voted on by the entire House of Representatives.

Lobbying groups representing wealthy rental property owners have issued press releases in opposition to HR 6694, the bill which would once again allow the use of seller assisted down payment programs like Nehemiah with FHA mortgages.

Of course rental property owners would love to see the opportunity to own a home taken away from potential home buyers who can prove the ability to pay but are unable to save for a down payment. To justify their opposition, these organizations use the same flawed and faulty data used by HUD which has already been dismissed as inaccurate by the courts when it has been challenged.

U.S. housing markets are already under fire from every direction, yet government officials are taking no action to protect the interests of the average citizen. Officials are putting all their efforts into programs designed to protect the interests of wealthy mortgage banking firms and real estate investors while giving only lip service to the troubles of average citizens.

HUD data has been proven unreliable. Data available directly from the lenders actually originating and servicing the loans indicates that stricter underwriting and better fraud control would essentially get rid of the gap in foreclosure rates between borrowers using down payment assistance and those making nearly meaningless 3% down payments.

Contact your Representative and Senators as soon as possible. Every possible effort should be exerted to save these beneficial down payment assistance programs.

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The Office: Chairs for David Brent

by Fabian Toulouse

The character of David Brent has managed to become a cultural icon. Played distinctly by Ricky Gervais, Brent is the general manager of the Slough Branch of Wernham-Hogg paper merchants. He is self-promoting, hypocritical, idiosyncratic and self-delusional. Brent wants to be everyone’s friend and mentor. He thinks everyone finds him funny, loves being near him, and looks up to him as a father figure. Of course, nothing could be further from the truth.

Brent longs to be celebrated and lauded as a Renaissance man. He indulges his every whim, musing out loud about his artistic endeavors. He claims to be a soulful writer of lyrics and poetry. He believes he is an exceptional stand-up comedian, singer, and potential actor.

Though he identifies himself as a informed, politically-correct supervisor, his actions reveal him to be nothing more than an offensive oaf. However insulting or awkward he may seem, Brent is never malicious. He is simply ignorant, and when he tries to make amends, ends up making the situation that much worse.

He is desperate to be seen as a “friend first, and a boss second.” When a long overdue restructuring leaves Brent with a promotion to a corporate job, he willingly accepts. What he never bothered to consider was how his promotion would spell the end of his Slough branch, leaving his employees without a job. He is surprised to find out no one is happy for him.

Brent argues that the camera crew has painted him as a bad boss. Swiveling in his office chair, smug as ever, he is a hard character to like and an easy one to laugh at. When he comes face to face to being unemployed, it is hard not to enjoy his discomfort, and his bumbling shock. It’s a just dessert for someone like David Brent.

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The Making of Business Barons: Strategic Planning

by Fabian Toulouse

Strategic planning is necessary if you want it to succeed in business. By planning ahead, typically one to five years ahead, you can steer your business decisions accordingly. This type of planning can also be utilized in your personal life, helping you manage your time and finances. While there are many plans to abide by, the elements of strategic planning remain the same.

The first step is to classify your mission and objectives. This is your starting point for determining a plan to make money. You have to know what you hope to gain and how you will obtain the goals. This is where environmental scanning may be important. This technique requires you to research your competition and the fluctuations of the market place.

Taking the process one step further is strategy formulation. This is where you will address the goals you have based on your business weaknesses ands strengths. Budgets, costs, contracts must all pass the muster. Your environment may factor in considerably. If the land you want to develop has a specific zoning or restriction it may be rejected. Are all the construction costs accounted for as well? This is a critical step.

The next series of steps often combine into one another. The actual implementation of your revamped business strategy will be measured by a careful process of evaluation and control. Adjustments will indeed have to be made as the plan is corrected to address the demands and short-falls of the market. This is a sensitive process and many would-be business barons are made or broken during this phase.

Strategic planning, as a methodology, allows a company to make money based on a number of metrics. The variations of the market, how well your competitors are performing, the cost of raw materials, the cot of production, and new innovations are all essential to understanding the growth of and challenges to your business. It is not only the strategic planning that is critical. Successful implementation and monitoring will ultimately make or break your business model.

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