Hello everyone. First of all, I’d like to apologize for the long lapse in my blog postings due to critical family events that has been happening. I’d also like to highlight that we have moved this blog to a different domain as following Alternative Ways To Make Money.

I will begin to put permanent redirects for all posts in this domain to the same post that is in the new domain which will also have my new posts.

Term For Today: Estate Freeze

An asset management strategy whereby an estate owner aims to transfer assets to his or her beneficiaries without tax consequence. In most estate freezes, the estate owner transfers assets, usually common stock, to a company in exchange for preferred shares. The company issues new common stock to the beneficiaries at a nominal value.

This strategy looks to avoid capital gains tax. When the owner exchanges assets for preferred stock, there will be no capital gains for the exchange. The company will give the beneficiaries new common shares at market value, so that no capital gain exists for the receiving parties. Because preferred shares are non-growth securities, the original owner will not incur future capital gains taxes on these instruments.

Term For Today: Payment Shock

The risk that a loan’s scheduled future periodic payments may increase substantially. Payment shock can be the result of several things, including the expiration of an initial or temporary start interest rate (sometimes known as a teaser rate), the end of a fixed-interest rate period, the end of an interest-only payment period, an increase in an adjustable-rate mortgage’s fully indexed interest rate or the recasting of a payment option ARM.

Many popular mortgage products, such as payment option ARMs, carry a great deal of payment-shock risk. Consumers are drawn to these mortgages because of the initial relatively low monthly payments they offer. All financial decisions, including the choice of a mortgage, should be made by carefully considering the risk versus the reward. Risks must be identified and measured through insightful analysis. When risks, such as payment shock, are recognized and measured, they can be managed or avoided.

Your goal is to target websites with regular traffic flow and large numbers of users and make them referral sources which will send visitors to your website. Naturally, you should try to focus on getting targeted traffic whenever possible.

These short-term strategies will allow you to get traffic very soon after you implement them. They will not only reduce your weekend traffic dip but may get you even more traffic to your website than the weekdays.

1. Network within Social Communities. This includes posting and interacting with other people on relevant forums, social networks like Facebook, news sites like Digg/Reddit as well as blog sites like Blogcatalog or MyBloglog. There will always been people on crowded online communities and you will always get some visitors if you plug your site discreetly in the right places.
2. Create a Weekend Link Bait. Establish the habit of creating and promoting a weekend Link Bait on popular social websites like Digg, Reddit, del.icio.us or StumbleUpon. This is by the far the easiest and most powerful way to get traffic to your site during the weekends.Social news sites usually get less news during the weekend, and it is likely that your bait will be more successful during this time.
3. Comment on Blogs. While many blogs don’t update during the weekend, you can still comment on the ones that do. Focus on those with more traffic and try to be the first few to leave a comment. Make your comment relevant and you’re likely to receive some visitors from others who visit the same blog.
4. Email Pitch Your Website. Write an email to bloggers within your niche to promote your website, business or best article for last week. Give away a product or offer premium access for selected publishers in return for a mention.Some blogs like Daily Blog Tips have a habit of doing weekend speed-linking. Pitch your site to these blogs and you’ll get some traffic if you get a link.
5. Try Blog Traffic Exchanges. Blog traffic exchanges are tools which allow you to get traffic by visiting other blogs. They are more useful for newer blogs and as they require more time and effort on your part, I suggest using them strategically to find new blogs within your niche as well.
6. Use Paid Advertising. This involves spending money on paid advertising in order to get traffic to your website. Pay per click advertising and social media advertising on sites like StumbleUpon can bring in traffic on the weekends. The benefit of this method is that you don’t have to do any work whatsoever.
7. Publish During the Weekend. Publishing during the weekend will get you some traffic, especially if you have many feed subscribers as some of them will visit your site to read the full article or comments. Smaller sites can also benefit as new content will bring in a small amount of long tail search traffic.Future publish your post during the weekend so you don’t have to sit down in front of the computer to write. Asking a question is sometimes the quickest way to put out an extra blog post.

Term For Today: Technical Correction

A decrease in the market price of an asset or entire market after extensive price increases. A technical correction occurs even when there is no evidence that the increasing price trend should cease. It is often caused when investors temporarily
slow down their purchases of securities, which commonly leads to a pullback toward a short-term support level.

A technical correction is a drop in stock or market prices when there is no fundamental reason for a decrease. After a steady increase in value, investors may become more cautious buyers at the higher prices and look to reevaluate the market, resulting in a decrease in purchases. The drop in purchase volume will stop the upward price trend from continuing while the market re-evaluates the short-term direction.

Term For Today: Living Wage

A theoretical wage level that allows the earner to afford adequate shelter, food and the other necessities of life. The living wage should be substantial enough to ensure that no more than 30% of it needs to be spent on housing. The goal of the living wage is to allow employees to earn enough income for a satisfactory standard of living.

There are supporters and critics of the idea of a living wage and its effects on the economy. The critics argue that implementing a living wage establishes a wage floor, which will harm the economy. They believe that companies will choose not to hire the same number of employees at such high levels of pay. This creates higher unemployment, resulting in deadweight loss, as people who would work for less than a living wage are no longer offered employment.

Supporters of the living wage, on the other hand, argue that benefiting employees will also help the company. If employees are more satisfied earning a living wage, there will be less employment turnover. This reduces expensive recruitment and
training costs for the firm. They also argue that the higher wage will boost morale. Employees with high morale are expected to have higher productivity, allowing the company to benefit from increased worker output.

Term For Today: Subprime Lender

A type of lender which specializes in lending to borrowers with a tainted or limited credit history. Subprime lending is more concentrated in a fewer number of large lenders than is prime lending. The subprime loan market is more tiere compared to the prime loan market where terms and rates vary little between borrowers.

Subprime lenders use a risk-based pricing system to calculate the terms of loans, including the interest rate, which they offer borrowers with varying credit histories. The securities issued by subprime lenders tends to carry more credit risk, but less interest rate risk than do securities backed by prime loans. This is because subprime borrowers tend to have a shorter time horizon and fewer opportunities to refinance when interest rates fall.

Search engine marketing may sound like Greek to the uninitiated, and can get quite complicated even for those that know what they are doing. However, by breaking it down you can expose the information that you need and turn it to a powerful marketing tool.

Keywords and search terms are what people use when they use a search engine to look for a topic on the internet. By using these, you can help direct your target audience to your site. However, in order to use them effectively, you really must have the knowledge on your target audience and what words and phrases they are using. If you and your target audience are not on the same page, you will have great difficulty finding each other.

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Term For Today: Agflation

An increase in the price of food that occurs as a result of increased demand from human consumption and use as an alternative energy resource. While the competitive nature of retail supermarkets allows some of the effects of agflation to be absorbed, the price increases that agflation causes are largely passed on to the end consumer. The term is derived from a combination of the words ‘agriculture’ and ‘inflation’.

Interest in alternative energies contributes to agflation. In order to produce biofuel (such as biodiesel and ethanol), manufacturers need to use food products such soybeans and corn. This creates more demand for these products, which causes their prices to increase.

Unfortunately, these price increases spread to other non-fuel related grains (such as rice and wheat) as consumers switch to less expensive substitutes for consumption. Furthermore, agflation will also affect non-vegetative foods (eggs, meat and dairy) as the price increases for grain will make livestock feed more expensive as well.

Term For Today: Godfather Offer

An irrefutable takeover offer made to a target company by an acquiring company. Typically, the acquisition price’s premium is extemely generous compared to the prevailing market price. Therefore, if the target company’s management refuses the offer, shareholders may initiate lawsuits or other forms of revolt against the target company for not performing their fidiciary duty of looking out for the best interests of the shareholders.

The offer is even harder for the target company’s management to refuse when its stock price has been flat or declining for an extended period of time, as long-time investors would jump at the opportunity to cash out at an elevated price.

Similar to the famous Godfather in the trilogy of movies, the bidding company is essentially making an offer the target company cannot afford to refuse.