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    About Chat Rooms – The term chat room, or chatroom, is used to describe forms of online synchronous conferencing, occasionally even asynchronous conferencing. The term can thus mean any technology ranging from real-time online chat by using freely available instant messaging services and online discussion boards to fully immersive graphical social environments.

    Online chatting and social networking is one of the main areas that the Internet is used for today. Chat rooms allow you to engage in live, real-time conversations with people around the block (local chat) or around the world at the same time. The majority of todays online live chat rooms can give people a wonderful opportunity to make new friends anywhere in the world, and keep in touch with loved ones.

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    Home owners invest in quality material and designs. For these homeowners, a house isn’t just a living space. Iit’s an expression of who they are and they take pride in having a beautiful home. Attractive walls and pavement lend an air of elegance to, as well as add to the overall resale value of a home. Decorative brick laying involves laying the bricks in patterns or complex designs. A combination of different bricks, stones and paving material combine to create a finished worl of art that is practical, functional, yet pleasing to the eye.

    This money making idea is just the thing for the energetic person who knows the intricasies of brick laying and is creative to boot. He takes brick laying to another level, making his brick laying projects a work of art. As you start out, you’ll want to market your skills. The best way to do this is to start compiling a portfolio of your work. After each project, take a couple of photos of your work and put them into an album. Then, you could start placing ads in home owner magazines or your local daily. You could leave your calling card or flyer in newly completed homes. That way, new owners who want to enhance their homes can give you a call. Then it’s all about selling your skills and your work. This is where your portfolio comes in. Every finished project builds on your reputation, so make each job count!

    Christmas trees

    Christmas trees. As a kid, I used to lie down beside our Christmas tree with my family and just enjoy looking at the lights and ornaments – the presents too of course. Now my kids love to do the same. Not everyone has the space or budget for a Christmas tree in their home or office though. So what can you do about this? Why space-saving Mini Christmas trees of course.

    Mini Christmas trees are great because they can be set up anywhere you want including your desk. They can range anywhere from six to eighteen inches high. They’re really fun and brighten up your work place. The make a great conversation piece too. If you’re planning on using natural material, then you’ve got to source for discarded bits of trees that can be turned into your Mini Christmas trees. If that’s not possible, then making your own trees out of plastic or recycled material is also an option. You’ve got to dress up the tree with mini ornaments and trimmings. The good thing about Mini Christmas trees is that you don’t need to use loads of decoration and lights and they’re non-perishable, so you can keep unsold stock for next year. It’s also a great way for businesses to market their brand. You could contact companies who might want to give their clients a unique gift for Christmas – and what’s more unique than a mini Christmas tree? If their products are small, you could even use them as the ornaments on their tree! Keep in mind you want your trees to look nice so don’t go overboard. This is a great money maker for the creatively inclined!

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    Believe it or not, there was a report in the local daily recently about thieves who broke into a golf course and stole the metal linings in the putting holes! Apparently, these could be sold as scrap metal and what’s even more surprising is that if you have enough of them, you could make quite a nice profit! A scrap metal dealer in the report said that they paid very little to the people who brought in these scrap metal items compared to the price they got when they sold their loads of scrap metal to the metal companies to be re-cycled or processed into metal sheets. Reading this, I finally realized why I have two highly educated friends who are in this business when they could easily be sitting in a comfy, air conditioned office!

    This money maker isn’t for you if you’re afraid of hard or dirty work. You need to be comfortable working with junk (scrap metal). You will need a large area to store scrap metal that you collect from your many sources. I trust that you will be careful to avoid getting your scrap metal from suspicious sources lest you be accused of buying stolen merchandise. You will probably have to invest in a truck to ferry your scrap metal to the metal factories and you will need to employ workers to help you out. At the rate that consumers seems to be throwing things out, it doesn’t seem likely that there will be any shortage of scrap metal for you. It seems one man’s junk is another man’s money!

    Ten Tips for Raising Money in Today’s Market

    Day after day, companies are cutting jobs or warning investors to expect lower earnings. Venture capitalists are overly cautious and angel investors are folding their wings.
    Things might seem bad right now, but market uncertainty does have some positive effects. In fact, this is a good time to look for funding. That may sound counterintuitive, but a more conservative approach from the investment community simply means they’re looking more closely for that “relatively rare” company that can succeed – your company. Remember: Investors are always looking for the next BIG idea – your idea.

    Solid companies have a better chance of standing out now. With the hype gone, current market conditions force entrepreneurs to know their customers, curb expenses and develop businesses that make money. Here are 10 tips to make your company shine in today’s market.

    1. Put Together a Strong Management Team: In today’s market, the scales have tipped toward experience in the proven fundamentals of business. The more you have, the more likely you will be able to succeed.
    What makes a good team? For starters, members should have a track record in the industry you’re targeting or have started and run other companies. Ideally, teams should have industry connections, sales and marketing experience, technology expertise and financial skills. Investors will also be looking at the team’s commitment in terms of cash investment, as well as its “sweat” equity.

    Corporate and advisory board members can help enhance the expertise and experience of a start-up’s managers. Choosing well-respected professional resources such as accountants and lawyers will not only expand your network, but also increase your credibility.

    2. Have the Best Tools: You need an elevator pitch; a 1-3 page executive summary; a 12-15 slide presentation; and a 20-30 page business plan. Along with these, credible financials have taken on paramount importance. Make sure your materials cover:
    • the management team;
    • the idea and how it fills a “must-have” need;
    • the market opportunity (which must be big);
    • the competitive landscape;
    • and the clear competitive advantage your product has over others.
    Investors will also want to know what barriers to entry will keep competitors from being in the exact same business. Examples might include patents, trade secrets and proprietary processes.

    3. Focus on the Fundamentals: Investors are interested in seeing early indicators of success, such as lead customers or a prototype that is being beta-tested. But be warned: They’ll want to know whether customers are paying for the service or just enjoying a free trial. They’ll ask whether your customers will buy at the end of the trial or buy more of what they’re already paying for. In other words, if you can show revenue growth and a list of blue-chip customers, so much the better.
    In today’s market, what matters isn’t whether you’re a B2C or B2B. What counts is whether your P2P (path-to-profitability) is clear. For example, just building a concept or a brand is unlikely to prove attractive, whereas developing a tangible product with a clear revenue stream and a convincing route to a successful exit will prove compelling.

    4. Bootstrap it: No matter how much money is raised, keep cash balances high and your burn rate low. Forget big-budget tactics such as network TV ad campaigns. Use cost-efficient tools such as PR and viral marketing.
    5. Adapt Quickly: Thoughtfully and Strategically: Investors understand that early-stage businesses may well fail to hit their numbers in the first year. Problems arise for a variety of reasons, usually due to overly optimistic sales projections.
    So, they’ll want to know what strategies you have in place to cope with this slippage. You may have to think about strategic alliances, different marketing strategies or slashing costs. It is also recognized that even the most promising start-up may need more investment to reach cash break-even.

    6. Make Connections: To get an angel’s attention, get a referral. While some investors read plans that come over the transom, those referred to them by a trusted source – a business associate, lawyer, accountant or banker – get far more attention. These professionals can open the most doors, because they’re usually the best connected. Other ways to meet people with deep pockets are to present at or attend a venture capital conference or angel club meeting. Network to find out about these opportunities.
    7. Choose Investors Carefully: Entrepreneurs should be choosy about from whom they take money. Knowledgeable investors with good connections can jump-start a company and keep it thriving. Well-connected investors can even make it easier to get additional rounds of financing. Keep in touch with investors, and let them know how the company is doing by sending out a monthly summary and/or calling periodically. An informed investor is more likely to be a happy investor.
    8. Never Stop Looking for Money: Raise more money than you think you need and get it while you can. Until all checks have cleared, keep looking. Deals do fall through.
    9. Don’t Haggle Over Terms: Greed is not good. Don’t worry about dilution. Efforts to hoard stock and inflate valuations will make the company less attractive to suitors.
    Valuation is clearly very important, but don’t be penny-wise and pound-foolish. The entrepreneur must give credit to the value-add of the angel or professional investor. By understanding this, everyone can get a piece of a much larger pie than would otherwise be the case. Let experienced professionals such as lawyers and accountants handle terms and valuations. Heed their advice.
    10. Be Passionate, Persistent and Patient: Be prepared for a lengthy process. Last year it typically took three to six months to find funding. It is now more likely to take nine. In this post-purge economy, new business leaders must be committed, passionate and thick-skinned. The process can be grueling.

    Money Saving Tips

    For Car Buyers: First, do your homework. Learn all you can about dealer tricks because they can quickly erase any discounts or other savings that you think you’re getting. Car dealers spend millions of dollars training their salespeople to get more money out of customers, and if you don’t know the tricks they use, you could be overcharged by thousands of dollars. Find out the dealer’s real cost on the car (it’s typically less than invoice) and the prices that smart shoppers are paying for that car, then research any other items you might want (loans, extended warranties, car alarms, etc.). Shop around for competitive auto loan (or lease) rates at banks, credit unions and lenders on the Web. When you find a great interest rate, get pre-approved at that lender before you start negotiating with dealers. If a dealer can beat the rate you found, let him finance the car — on a “simple interest” contract only. Otherwise, stick with your pre-approved loan.

    When your homework is done and you’re ready to buy, you start the negotiating process — where dealers quote prices and you make counter-offers. If you’ve done your homework properly, this process should result in less haggling — and lower prices. To make dealers compete (and drive the price down), use the Internet to get at least 6 price quotes before you start negotiating with any dealers. When you get to the contract stage, make sure the dealer doesn’t slip any hidden charges into your loan or lease. (This is known as “payment packing.”) To avoid this common rip-off, calculate your own monthly payments first. Finally, always negotiate the price of the car, not the monthly payment.