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If you have a great credit rating and no debt, then you could be in line to make some money. And you can do it using the tools that credit card tarts have been using for years.

The Credit Card Tart System

Credit card tarts have used the incentives offered by lenders to their advantage for quite a long time. These incentives often consist of 0% interest on balance transfers for a fixed period of up to 12 months. Borrowers who have a debt apply for a new 0% credit card and transfer that debt to the new card. They make repayments as they normally would, but the balance owed is reduced since no interest is being charged.

When the incentive period is due to end, credit card tarts look around for a new 0% deal. They apply for the new card at least six weeks before the expiry of the old 0% deal, so they have plenty of time to transfer the outstanding balance onto their new 0% card.

This serial card switching allows borrowers to clear debt without paying any interest. Lenders have begun to fight back as they are losing hundreds of thousands of pounds' worth of interest. Many of them now charge a balance transfer fee of about 2%. However, there are still some fee free balance transfers available, which is good news fro debt-free consumers looking to use the system to make some money.

How To Earn Money On A 0% Card

To make money from a 0% balance transfer card, it is necessary to have a good credit rating and to get two new credit cards. One credit card has a 0% balance transfer rate. This must be a card that does not charge a balance transfer fee. The second allows credit card cheques at no additional charge.

The borrower can use the balance transfer card to transfer a sum of money onto the card that allows credit card cheques. The borrower can then write a cheque for that amount and pay it into a high interest savings account. This strategy only works if the interest earned is more than the amount being paid. Borrowers can use the same technique to get a low interest loan. Long term balance transfer rates are lower than standard interest rates on loans.

But Is It Legal?

There is nothing to prevent borrowers from using their cards in this way. As long as they make repayments on time and in full, there are unlikely to be complaints. It is also essential to keep credit card applications to a minimum so there are no red flags on the borrower's credit report. There's no reason why borrowers who stick to these rules and make payments on time shouldn't make a bit of money from their credit cards. And while they're shopping around for the perfect credit cards, it's worth checking out the other incentives as well.

Joe Kenny writes for the personal finance sites http://www.cardguide.co.uk and also http://www.ukpersonalloanstore.co.uk.

Infallable? The Pope does not sin?

Many Protestants do not understand Catholic terminology (many Catholics don't either!) Suffice to say, some of them believe that Catholics profess the Pope to be without sin. ImageThis idea is of course inconsistent with Scripture (Romans 3:23). As such, this is certainly not the position of the Catholic Church. Infallibility refers to his teaching, not his conduct. Infallibility does not mean impecability.

Simply put, the Catholic term "infallability" refers only to the official teachings of the Pope when the following conditions are met:

* he is teaching to the universal Church
* it is an issue regarding faith and morals (not merely customs and discipline)
* he specifically intends to profess such a teaching

The personal opinion of the Pope about the Middle Eastern conflict, while perhaps valuable for all mankind to consider, would not fall under the doctrine of infallability. Nor would his hope for a certain soccer team to win the World Cup. Finally, it should be noted that the use of this ultimate authority is very rare, having taken place only a few times in history.
Where is it in the Bible?

Simply communicating, with charity, to Protestants what Catholics actually believe about the Pope and his authority, is the first step in discussing this topic. The next step is to demonstrate from Scripture that the Catholic position is in fact the position taught within its pages.

* First, Christ appointed the first Pope, Peter. (Matthew 16:18)
* Christ gave specific authority to Peter, alone. (Matthew 16:19)
* Peter confirms the Catholic interpretation of Matthew 16:18-19 when he exercised authority during one of the earliest disputes mentioned in Scripture. (Acts 15)
* Peter was often mentioned first when the other Apostles were named. In other cases, Scripture just names Peter, and then mentions the others who "were with him". (Matt. 10:1-4, Mark 3:16-19, Luke 6:14-16, Acts 1:13 Luke 9:32)
* Peter was so important to the early believers that even Peter's shadow brought about miraculous healings. (Acts 5:15)
* As the leader of the Church founded by Christ (Matthew 16:18-19), Christ promised the assistance of the Holy Spirit to his Church, and promised he would be with it forever. (John 14:8-17)
* Paul wanted complete unity among all believers regarding their doctrines and belief (1 Corinthians 1:10)

The above passages demonstate that the Holy Spirit never lies, and as such, the Catholic Church, when invoking the assistance of the Holy Spirit, speaks without error. This is the ultimate meaning of infalliblity.

Sometimes Scripture is not Enough for Protestants.

Non-Catholics may debate the interpretations of the above verses. You may be prepared to answer their objects verse by verse, or you may not. The following is a line of logic for the absolute "need" for Papal authority:

In the United States we have a master document that guides much of our lives: the Constitution. For Christians, they have a master document as well: the Bible.

The Founding Fathers of the United States realized that if everyone were able to interpret the Constitution as they saw fit, that there would complete chaos and anarchy. As a result, they instituted an ultimate authority, the Supreme Court, to interpret the Constitution for us.

In a similar way, the Founding Father of Christianity realized that if people were able to interpret the Scriptures on their own, that complete anarchy and division would persist within Christianity. As such, he instituted an ultimate authority, the Catholic Church, to interpret the Bible for us.

Protestantism has demonstrated Scripture to be true. This is why they have over 30,000 denominations and divisons. This division is counter biblical. According to Scripture, unity and truth are lost when individuals take it upon themselves to privately interpret Scripture. They do this, according to the Bible, "to their own destruction." (2nd. Peter 3:15-18) Fortunately for the majority of Christians in the world --- who happen to be Catholic --- they have the successor of Peter, to whom the assistance of the Holy Spirit was guaranteed, to guide them on issues of Scripture interpretation, faith and morals. And following his guidance is something in keeping with the Bible, which they do to their own benefit. Indeed, the infallibility of the Pope does make the Catholic Church a Church with a lifetime guarantee.

Lee Anderson is the developer of http://CatholicLibrary.com, a Catholic website featuring more than 11, 000 articles in the Catholic Encyclopedia LIVE!

For the absolute novice the foray into creating a money making online business can be quite daunting. Most don't know where to start let alone know what to do or how to do it. The one common theme, no matter what their circumstance, is "I want to make money!"

The key to having an online money making business is a change of mindset from employee to business owner or entrepreneur.

The employee clocks in every day, does the required tasks, clocks out again and spends their pay check; sometimes years in advance if they have accumulated credit debt.

The business owner however takes a wider view. He or she has a business plan, sets goals and initiates strategies to achieve them. The business owner forecasts their income in advance.

One of the first things to do, to avoid information overload, is to sit down with pencil and paper and plan your business.

Begin by defining what sort of business you want:

1. Physical products

This could be based on something as simple as your favourite craft or hobby. My teenage daughter, for example, loves making her own jewellery; so much so that our home is literally littered with her "creations". Therefore I built a website for her to sell it.

2. Electronic Products

If "making" a physical product to sell seems like too much work, how about creating a "How To" ebook about all you know on your favourite hobby, craft or area of expertise. Electronic products are very popular with those who want information but don't have the time to do all the research. Gather all your knowledge up in one package and sell your efforts again and again and again.

3. Affiliate Program Products

If you are really stuck for an idea of a product to sell, affiliate marketing is a good place to start. Affiliate marketing is selling someone else's product for a percentage of the sale. The secret to this kind of business is find products that you really love; it will be easier to succeed if your heart and soul is in your business.

There's no reason why you can't do all three - eventually - but for a start choose just one. Once you have decided, plan out ways to implement this new business. Break the plan into smaller, easy to achieve tasks. For each stage of implementing your money making business work on bite size pieces.

For example: "I need a website" can be refined into:

- Registering a Domain Name
- Find a web host
- Find an Auto-responder service
- Find a web designer or for the do-it-your-selfer, lessons on website building
- Find a payment processor

A certain amount of single-mindedness is required as it is easy to become distracted. You might find ideas popping into your head as you are working away. Great! Write them down in your ideas vault and get back to business. They can always be developed later when you have finished the task at hand

All good business owners work within time-frames. Use this to measure your effectiveness and productivity. Schedule time for your tasks, set a completion date, review your progress, and then adapt to make improvements.

While overseeing your business as a whole and focusing on the tasks required, your online money making business will take form and you'll find you will make money.

Dee-Dee MacLeod-Wilson (http://www.wanttoworkfromhome4life.com) is a Kiwi work from home mom with a holistic approach to helping like minded parents become successful work from home families.

As pressure is being put on the White House by foreign banks and heads of state to release the $4.5 trillion Wanta money, Michael C. Cottrell, the treasurer of the company formed to distribute the money for the benefit of the American people, remains "highly optimistic the trillions will soon be released.

"Yes, we are encouraged we will get the money released soon," said Cottrell in a Wednesday telephone conversation. "There is a lot of pressure from around the world being put on the White House. The heat is being turned up and I just found out the Chinese have taken $5 trillion of the $32 trillion they are owed from the U.S. government. They are backing Ambassador Wanta and pushing for the release of his money."

Cottrell added that one of his inside sources in Washington D.C. recently notified him that officials in the White House said the following in response to Cottrell and Ambassador Wanta's request for the money:

"We will do it when we are G** damn ready!"

Wanta and Cottrell, who together formed AmeriTrust Groupe, Inc. to oversee proper distribution of the massive amount of money, were hoping the money would be released by the end of the business day on Sept. 7, the same day the Chinese were also to be paid trillions by the U.S. government for prior investment gains.

However, the deadline passed without the Wanta $4.5 trillion being paid and still being illegally withheld in a Clearing House Interbank Payment System credit account (CHIPS), an account credited to Goldman Sachs and Co. at Citibank.

In what has become known in international financial circles as one of the most important and explosive stories in the history of modern banking, the Wanta settlement has been the subject of a Bush administration cover-up ever since Ambassador Wanta entered into an official written agreement in November 2005 to repatriate money for the betterment of the American economy.

Further, in May Wanta verbally agreed to the distribution of the $4.5 trillion with President Bush along with the assistance of one Foreign Intelligence Surveillance Court (FISA) court judge and two U.S. Supreme Court Justices.

The settlement, also negotiated with the help of two major U.S. law firms, represents only a portion of the $27.5 trillion offshore fund established at the end of the Cold War, which is now under the legal control of Ambassador Wanta, as duly appointed trustor, a position given to him by former President Ronald Reagan.

In other financial ramifications concerning the failure of U.S. authorities to release the Wanta money, Christopher Story, editor of the International Currency Review in London, recently reported:

"Chinese interests, acting independently of Ambassador Leo Wanta and his business colleague Michael C. Cottrell, M.S., have 'pulled' five or six 'CHIPS' already. The Chinese are using the British pound for oil payments purposes. The pound is therefore likely to appreciate over the weeks ahead.

"Can someone please explain to the Editor of International Currency Review why it is that, seven weeks after we first published this information (also published in the Arctic Beacon), which anyone could check for themselves, the U.S. Treasury implemented the fantastic carousel financing arrangements that were described in the Editor's Posting dated 2nd September 2006 [subsequently updated], which use the 'assets' of some GSEs as collateral? It is as though Mr. Paulson (Sec. of U.S. Treasury) went to the cupboard, opened it, found it not only to be bare, but without walls and a floor, slammed the cupboard shut, and then represented to the world that the cupboard is full of food so that we can all eat and be merry for years to come.

"Nor is the phrase 'scraping the bottom of the barrel' appropriate, since the barrel has no bottom to scrape. No wonder the Chinese are using the pound for oil payments."

Cottrell recently said in a recent Arctic Beacon article that in lieu of nonpayment, Ambassador Wanta "has already lowered the hammer," notifying the major banks in Europe, save Deutsche Bank, who have all agreed to put "stop orders" on any transactions with the U.S. government of $100 million or more.

"Most of the major banks in Europe other than Deutsche Bank have already agreed to the stop orders based on the failure to pay Ambassador Wanta," said Cottrell, including Credit Swiss and UBS. "We have asked the Chinese but I have not heard confirmation that they will go ahead and pull the $32 trillion owed in CHIPS. However, given that President Bush and Paulson cut a deal with Viet Nam and Taiwan whether the Chinese pull the CHIPS is irrelevant because they now have a cash flow through the system that allows them to stash more money away.

"What is most aggravating to me is that the President of the United States and the Secretary of the Treasury have made a deal with a communist country to circumvent an American company from paying taxes. That is what makes me angry because these guys go over and strike a deal to circumvent the American people. They essentially would rather cut a deal in Hanoi then allow us to pay the $1.6 trillion in taxes and use the rest of the money for the betterment of the American economy."

"Besides alerting European banks about nonpayment, Cottrell said he didn't want to "tip his hand" on future plans to secure release of the $4.5 trillion, saying he fears the U.S. government would use this information to circumvent their plans.

See also:
http://www.worldreports.org/news/24_chinese_using_pound_
http://www.worldreports.org/news/25_wanta_default_trigge

Greg Szymanski

Most of the population allow their dogs to live indoors and relax on the couch and sleep in their owners bed. If you are interested in building a dog house for your dog then follow these simple tips when starting this project.

1. Start building your dog house by finding out how big you need to make the house so when your animal reach their full adult size they will still fit in it. We like having a couple of feet of air above us so we dont feel claustrophobic. Your dog will appreciate having that much room, as well. 1/3 of our standing height is where our comfort zone is. Take out a tape measure and measure your dog to find out how much room your dog will need. To figure this out measure your dog while standing up, sitting on his haunches and in his most relaxed position of lying completely stretched out. Whether your pet is standing up or sitting he should be able to see out the front entrance. The dog should not have to bend down and let his stomach touch the ground to see out. Measure the width of the widest point of your dogs shoulders while standing above him.

2. The dog house should be raised a few inches off the ground to let air and water go underneath it. Ventilation is important because it discourages pets to bother you dog in its house and keeps your pet healthier. Under the eaves you should have several small holes in the walls. Inside the house put in a wind block so your dog can warm up the house using its own body heat. Adding a partial wall to the dog house will allow him to get away from the cold and windy weather. This allows the dog to choose whether he wants to sleep in the entryway or in the other section of the house. Providing a pillow or bed would probably make your animal very happy and a lot more comfortable.

3. Build the floor so it is a bit slanted so it stops rain from coming inside the dog house. Also, build the roof at a bit of a slant for the same reason. If you want your dog house to be insulated well then do not paint on the inside.

4. Storms typically come from the south and west in the U.S. so making sure your dog house faces a different direction would make the most sense. Having the door of the dog house face to the east is highly suggested so the cold air cannot come through the door so easily.

5. By putting hinges on the top of the dog house it makes it easier for you to clean your dogs living space. Every time you give your pet a bath it is suggested that you clean the dog house at the same time.

Every dog really should have a warm, safe and comfortable living space where they are safe from severe weather. Follow these tips to help you build a great house for your dog.

Robert Michael is a writer for De Pets which is an excellent place to find pets links, resources and articles. For more information go to: http://www.depets.com

If you are in Internet marketing or have been reading the ads all over the Internet about how to make money from your website you can't have missed all the talk of AdSense. This is one of Google's main revenue generators and over the few years it has been around has made quite a few early adopters a lot of money.

Google makes a percentage of the cost of the ads and the website owner where the ads show up makes the remaining percentage. The AdSense ads are actually the ads placed through Google's AdWords Pay Per Click (PPC) advertising program.

Unfortunately as with all good things it seems, the money making potential seems to have diminished for the majority of those trying to make a go of AdSense as a viable money maker. That is not to say you can't make money off the AdSense program, it's just not as easy as it apparently was. Unfortunately I was not one of those who made good money off AdSense ads.

Regardless of all the ads promoting really big money from AdSense and the fact that there are still people collecting big profits from it, let's look at it through the eyes of someone just getting into the program in earnest. Someone like many of us that do not have a large source of traffic, or maybe even no traffic to sites we want to add AdSense to. In many cases we might have sites made specifically to be monetized with AdSense. Is it worthwhile to have sites specifically designed to make its income from AdSense ads? I say sites because it is not logical to think someone with a site that does not yet have a huge amount of traffic to believe they can make lots of money from a single site with AdSense on it.

Not going into details, the Google AdSense program is where a website owner has joined the AdSense program and allows Google to place AdSense ads on their website. When a visitor to the website clicks on an AdSense ad the website owner makes a few cents to many dollars from that click. How much you make is dependent on several factors such as the market the ad is trying to capture clicks from, the efficiency of the ad, the keywords the ad is focusing on and other factors. Certain types of ads almost always pay more per click than others. Insurance, loans, and finance ads pay a lot more than an ad for garden tools or gift baskets or paper plates, etc. would pay.

Real Life Example

I decided to give AdSense a try and see if I could make an average of $5 a day from a site designed to be monetized with AdSense ads. The sites are essentially sites with articles on them based on the theme of the site. I wrote some of the articles but purchased most of them. Articles to be added to the sites in the future will be mostly purchased due to lack of time to write articles myself. They are the content of the sites. The sites are mostly written in html, although I do have a few that are php coded sites.

On the pages with the articles are the AdSense ads, usually three blocks of ads on a page. The sites are small with most being about nine to 15 pages total. Adding articles on a regular basis will slowly build up the sites over time which is what the search engines want to see. I started with twenty new AdSense sites and three older blog sites I already had, plus two new portal sites that had no traffic going to them. All sites were monetized with AdSense.

The AdSense sites cost nothing, but the few articles on each site cost about eight dollars each. Articles can cost from about twenty-five cents to fifteen dollars or more depending on the source and quality. The lower cost articles require considerable rewriting so as not to cause your article to be considered a duplicate article and incur a so-called duplicate content penalty.

Allowing for placing five articles a month on a site plus some miscellaneous costs like hosting, domain name, software, and potential maintenance costs, a fifty dollar monthly cost per site is incurred. Yes you could write all or most of the articles yourself, but that is not practical if you have many sites and is very time consuming. So I am discounting that solution as impractical if you have many sites. So to break even on these types of AdSense sites each site needs to make about $50 a month. Thats an average of $1.70 a day.

A measly $1.70 a day, that should be easy for a site to make. Maybe it is, but it is heavily dependent on the traffic to the site and the corresponding clicks on the AdSense ads that result from it. To put things in perspective, look at the results of my twenty AdSense sites, three blogs, and two portal sites. All sites except the three older sites have been up slightly over three months. I started getting a few links to each site just this past month.

Real Life Terrible Results

Only last month did I start getting links to any of the sites. I am averaging about $1 a day from all twenty-five sites together. Thats about $25 a month total, far less than break even cost. I just checked today and have made $50.55 for this current month, month four for most sites. That's about one twenty-fifth of what I need to break even for the sites. Half the money came from the twenty AdSense sites, with the rest from the other five sites. There are still two more days left in this month.

I believe the results will continue to improve as long as I add articles and get links to the sites. It is a long way to go until the sites break even, if they ever do, so I am not holding my breath. Although these results are terrible, in my opinion, it must be mentioned that I am doing this part-time and only recently has there been an effort to get links to the sites. If it had been a full-time effort (and it could easily have been) then the results would seem even worse. I have totally ignored the effort (which has been considerable) in getting the sites up and working properly, correcting and adding the articles and revising the links for each new article I added to the site.

I do have software that would easily generate such sites, but decided not to use it due to leaving footprints and having the sites considered spam sites by Google or the other two top search engines. From the looks of it right now it's too early to make an accurate judgment as to whether the sites will be worthwhile. I tend to think the effort is too great the way my sites are set up now and the cost of the articles too high to make a decent long term profit. I figure I need to revise how the articles are added and probably get the cost of the articles down a lot more, to less than half what I am paying now to have a fair chance to break even, let along make a profit.

Is AdSense Worthwhile for Beginners?

So the question, can beginners make money with AdSense sites cannot be answered yet with any accuracy from my results so far. On the surface it appears the answer is no, not if following my route. Only if extraordinary amounts of traffic can be obtained does it look like my sites will make any decent money from AdSense. Probably another, a better approach, will be necessary and a lot more pages with AdSense ads on it will be required to be able to make any significant money. I suspect I will need at least 50 to 100, or more, articles per site to have a fair chance of creating a small part-time equivalent income from the sites.

If you consider an average cost of six dollars for an article, and that is a very low cost for a new article, and still the same five articles a month, with just half the estimated ten dollars monthly miscellaneous costs being only five dollars, the thirty-five dollar monthly cost per site still is difficult to conceive making even that much from the poor results experienced so far. Only time will tell whether the effort will be worthwhile.

I am already changing my html sites so they will be easier and faster to add the new articles. Unfortunately that may cause me to effectively start over with my AdSense earnings since the links will be different and any pages already indexed will have to be re-indexed again since I am changing the sites little by little to php sites. I did something similar several months ago to a single larger site and even months later over 500 of those original pages were still indexed even though they had been off the site for many months.

If you agree it's difficult for a beginner to make money with AdSense or if you have made a worthwhile AdSense profit in a short time period please enter your opinion on www.cackel.com if you would like to share your success or failure. I would like to see other views on this topic, especially those who have made a decent return on non-directory type AdSense sites within a reasonably short period of time.

Copyright © 2007 Charles Harmon

Charles Harmon is a software developer and also writes articles for websites. One of his favorite interests is reading your opinions which you can enter on http://cackel.com. Another is Internet marketing - visit www.internetmarketingpath.com. If you have gripes or bad experiences you can voice them at his PootoYou site.