moneywealthinfo

WRONG SIDE OF THE LAW!

2012-01-24T04:39:00.000-08:00

FARGO, N.D. – He was unemployed and receiving welfare, but Adekunle Adetiloye was somehow living lavishly, complete with a Range Rover, extended trips to England and an expensive condominium.

* Adekunle Adetiloye was sentenced Jan. 23, 2012, for his role in what authorities call one of the largest credit card fraud schemes in U.S. history.

Cass County, N.D./AP

Adekunle Adetiloye was sentenced Jan. 23, 2012, for his role in what authorities call one of the largest credit card fraud schemes in U.S. history.

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Cass County, N.D./AP

Adekunle Adetiloye was sentenced Jan. 23, 2012, for his role in what authorities call one of the largest credit card fraud schemes in U.S. history.
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That alone piqued authorities' interest, but then there were two credit cards tucked away in his wallet that seemed to confirm suspicions that Adetiloye, a Nigerian-born Canadian citizen, was up to something nefarious. The cards each bore different names — Donald Douglas and Vincent Andriole — and helped authorities prosecute a case they describe as one of the largest high-tech bank robberies in U.S. history.

"Characterizing this fraud scheme as massive, if anything, is an understatement," Assistant U.S. Attorney Nick Chase of North Dakota said in court documents.

Adetiloye, 30, was sentenced Monday to nearly 18 years in prison on fraud charges. He was convicted of mail fraud, but authorities believe he masterminded a scheme to open nearly 600 fraudulent bank accounts and bilk 22 major banks out of hundreds of thousands of dollars.

Federal prosecutor Nick Chase said during the sentencing hearing in North Dakota that Adetiloye had an "insatiable hunger for other people's money."

U.S. District Judge Ralph Erickson handed down a 214-month prison term and scheduled a Feb. 15 hearing to discuss returning the nearly $1.5 million in losses to credit card companies and banks.

Defense attorney Richard Henderson had asked for a sentence of fewer than 16 years. Henderson said any prison time for his client is more difficult than it would be for American citizens because he has no family in the United States.

Investigators' efforts to deconstruct the complicated case are laid out in nearly 12,000 pages of court documents filed by lawyers in federal court.

Greg Krier, lead credit card fraud investigator for U.S. Bank, testified that it was the most complex case he had ever seen. His company, which has its own fraud unit, launched special training sessions focusing on the case in hopes of catching the culprits.

The case wound up in North Dakota after U.S. Bank's customer service center in Fargo intercepted calls by Adetiloye and others. The scheme, which took five years to investigate and litigate, was highlighted in a sentencing phase that lasted nearly a year and included numerous hearings and briefings.

The lead investigator, one of 25 people who worked on the case, put in 2,000 hours, authorities said.

Defense attorneys argued that their client, the only person charged, was a "marginal and minimal participant" whose role was to handle mail and withdraw money from ATMs. The government and the judge have said otherwise.

Erickson, the federal judge, said in court documents ahead of the sentencing that the evidence "indisputably demonstrates" that Adetiloye was a leader or organizer of the scheme. The judge calculated losses to banks at about $1.5 million, but said it could have been as high as $5 million if credit limits had been maxed out.

The trauma cannot be measured, Erickson said.

"The non-monetary harm to the victims was substantial," the judge wrote. "They lost sleep, they lost time with their families, they lost time at work, and they lost their sense of security. Some victims spent hours trying to reclaim their credit record and their identities."

Investigators said the operation accessed personal information of nearly 16,000 people, about 500 of whom had their identities stolen for the purpose of obtaining credit cards. It's alleged that more than 100 commercial mailboxes were opened under false or stolen identities.

The government said Adetiloye went so far as to mask his handwriting after a judge ordered a test of his calligraphy

Court documents show that U.S. Bank suffered the most tainted accounts, at 130, for a total loss of about $76,000. The companies alleged to have lost the most money were Citibank, at about $271,000, and Discover, at about $248,000.

Brett Bogan, security investigations manager at Reed Elsevier, the parent company of LexisNexis and ChoicePoint, told the court that data breaches of this type are extremely rare and he knew of only one other case like it. He said the company sent notices to more than 32,000 people whose personal information was compromised by the scheme.

"With their combined extensive and nationwide perspective, those entities place this fraud scheme at or near the top of their historical lists in terms of size and complexity," Chase said in court documents.

BAD CUSTOMER SERVICE

2012-01-22T01:46:00.000-08:00

"Kicked Out of a Bar Because I Didn't Want My Burger Split. Really?"

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Here is a BAD customer service story that is just too good not to share. This happened a few days ago to Art Sobczak of businessbyphone.com
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I wouldn't fault you if you don't believe what you're about to read. It is such an outrageous and bizarre example of customer treatment--I can't even call it "service"--that I might not have believed it myself. Except I experienced it last Saturday.

First, some background.

Zipps is a local, popular chain of sports bars in the Phoenix/Scottsdale area. I have visited several of their locations regularly over the past few years, including their original place, Goldie's. Their food is a notch above typical sports bar fare, they have lots of TV's, and a fun atmosphere. My friends and I watch plenty of sports, we enjoy the beverages sports fan typically consume, and have spent a nice amount with them on food and drinks over the years.

Not anymore.

Last Saturday afternoon a friend and I stopped at the Zipps on Via de Ventura road in Scottsdale. We ordered a couple of drinks and chicken wings. We played some shuffleboard, then decided to get a burger. Just one, since neither of us wanted a whole one. I told the bartender/waitress that we were just going to split a burger. She said,

"OK, there will be a split charge, and you get another side. "

I told her that we didn't want another side. In fact we didn't even care for a single side, and that they didn't need to split the burger.

Now, call me crazy, but it seems that a reasonable service person would have said, "No problem." Done deal. End of story. Thanks for the order.

I've eaten at some of the nicest, most expensive restaurants in the country. Some have split charges, some don't. When they do charge, typically they nicely divide and plate one dinner into two, often giving larger portions than if you had just ordered one dinner. I don't have a problem with that. That's a value-add, and if they want to charge for it, and the customer is agreeable to buying it, so be it. And if Zipps wants to charge for cutting a burger in half, and adding fries or slaw, that's fair. But if a customer doesn't want to buy that option, they shouldn't have to, right?

I just wanted the single burger, no sides. She insisted that she had to assess the split charge. It was "policy," and she had to follow the rules. I replied again that I just wanted one burger, one plate, not cut, no sides. She was adamant: she had to charge me since we were splitting it.

I couldn't believe what I was hearing. Trying to reason with her, I again said, "OK then, no other person will touch my burger. I,personally will just order one hamburger. I will not share it."

She told me she couldn't do that.

Again, flabbergasted, but in control and not acting rude or raising my voice in any way, I said, almost in a begging tone, "You won't sell me a single hamburger?"
"You already said you are splitting it."

Are you following the absurdity of all this so far? I am trying TO ORDER A HAMBURGER FROM A PLACE THAT SELLS HAMBURGERS and not be charged extra for something I do not want!

I then attempted to put things in perspective for her: I asked what happens when someone orders a takeout burger... does she demand to know how many people will be eating it when they get home, and then assess an extra charge? I wondered aloud if she was going to charge extra because TWO of us ate the chicken wings. What if an entire table gets one order of onion rings? Apparently that logic was a bit too much for her to process. She reluctantly put the order in for the burger.

Laughing off the entire experience, we then passed more time at the shuffleboard table. Minutes later, a guy who identified himself as the manager came up to us and said, "Excuse me, I understand you have an issue with our split charge policy."

A bit shocked that it actually escalated to this level, I smiled and said, "Well, fundamentally I do have a problem with a split charge if I do not want the burger split regardless of what I decide to do with it after I get it, and don't want the extra sides."

"That's policy. That's what she's instructed to do."

"I think it's stupid, and the fact that the bartender would take it so far is horrible customer service, and that you now are even talking to me about it raises it to an entirely new level of outrageousness."

He proceeded to defend their policy, mentioned something about their food costs (like that is something I really care about?), and was essentially treating me like I was a difficult, unreasonable customer. Please understand, in my business I deal with more bad service than the typical consumer because of the number of flights I take, and hotels, car rental companies, and restaurants I have done business with over the past 28 years. My "policy" is to always give the service provider the benefit of the doubt, and let most things slide. However, in this case, I was now pushed to a place that I rarely enter:

"Look, this is ridiculous. I'm going to talk to your CEO and discuss your policy and the treatment we're getting."

He handed me his card and said the corporate address was on there.

No, I told him I needed the name of the CEO.

He refused.

I persisted. "What? You don't know it, or you won't give it to me?"

"I won't do that."

This was getting more bizarre.

"You're telling me that you won't give me the name of your CEO? I can find it in a few minutes on my iPhone if I need to. How will he or she react when I say you would not give a customer his or her name?"

He finally relented, gave me the name, and walked away.

As you might imagine, my friend and I are now having one of those "That really didn't just happen?" discussions. A guy sitting at the bar within earshot of the interaction with the manager said, "Wow, that was weird. What was that about?" I explained what happened with the burger. He couldn't believe it either. Again, I was calm and quiet, actually laughing at the inanity of the entire situation.

The manager reappeared and interrupted. "Sir, if you talk badly about us to other customers I am going to have to ask you to leave."

Now I REALLY couldn't comprehend what was happening.

It was becoming a bit more difficult to maintain composure, but thankfully I did. "What?! You are now threatening to kick me out of here, FOR TALKING TO A GUY AT THE BAR?"

"I can't have you badmouthing us to customers."

I replied, "He asked me a question, I answered, we talked. Can you please tell me what I said to badmouth you?"

He had nothing.

"Is repeating your own 'policy' badmouthing you?"

He walked away.

At this point, the hamburger--that's hamburGER. One. Singular. Not halved--arrived at our spot at the bar. We sat down. I began eating it. Alone. A knife was conspicuously absent.

Given the surreal situation up to this point, I am now thinking that I had some great material for an article and blog post. I wanted more background. I was curious about the bartender's thought process and what really motivated her to make this an issue to begin with.

"Excuse me, just wondering, I have to ask you... why did you go to the manager with this little split charge thing?"

She responded, "It's policy. I could lose my job."

"Seriously? You're trained to agitate customers with something as small as this?"

Brace yourself for this one. You might even want to grab a chair. She said, a bit indignantly,

"Yeah, we're on to the little games customers play. We know how they try to get around things."

For one of the few times in my life, I was actually speechless. That couldn't possibly be part of their culture, could it? This chain won Sports Bar of the Year in 2011 from the local paper. I mean, really, what would training look like for that?

"Ok, class, now for the lesson on how you need to keep an eye on those diabolical, sneaky customers. They will try to rip you off at every opportunity."

A woman sitting just to the right of me at the bar witnessed this brief interaction. She leaned over and whispered, "You know, that's pretty typical here. They are so cheap. I refused to come here for two years. I sent my salad back one time and they made me feel like a fool."

I asked why she was there now. "I really like the food." She spoke in a low voice, as if she was afraid SHE would be kicked out. Reminded me of the Soup Nazi episode from Seinfeld. She obviously had experience with the way they treat customers who talk amongst themselves.

Did I mention you might not believe what I'm writing? But wait. There's more.

The manager interrupted my brief conversation with my barstool neighbor.

"I'm sorry sir..." Ahh, finally he had come to his senses and wanted to apologize.

"... I am going to ask you to pay your bill and leave."

I kid you not. "You're not serious, right?"

"I am asking you to pay your tab and leave."

"Really? Why?"

"I already told you I can't have you talking badly about us to our customers."

Apparently it is OK for THEM to abuse and insult a customer. But the thought or perception that said customer could actually tell another customer/victim about it before THEY get to them, themselves, well, that crosses the line.

I knew he could not have possibly heard my conversation with this woman. Plus, I was LISTENING to her. I said, "Can you please tell me exactly what I said that you interpreted as talking badly about you?"

He was now visibly shaken by the entire interaction. "I am not going to go there with you. I am asking you to leave."

Please note that I am still reasonably calm, and definitely not speaking more loudly than I normally would to someone on the other side of a bar. (Not that I didn't feel like screaming out what an idiot I thought he was.) "Let me be sure I'm correct here. This all started with me wanting a single hamburger, and not being forced to pay extra for something I do not want. Then you confronted me about it, unnecessarily in my opinion. In front of another customer, I might add. Then you threatened to, and now actually are kicking me out for talking to two customers who initiated conversation with me. But, you can't tell me anything I said that violates your rules. Do I have that right?"

He said, "We reserve the right to refuse service for whatever reason we choose."

Got it. Now THERE's a customer-oriented policy. I should remind you, this is a bar. It is usually common for people to talk there. In most places, to each other. You should be able to do so without the fear of being asked to leave, right?

Still trying to give this guy a shot to redeem himself, I said, "Seriously, you are kicking me out?"

"I am asking you to pay your bill and leave."

He obviously was skilled at memorizing phrases and repeating them. As for thinking for himself, well, that's another story. (An Enterprise Rental Car commercial running right now focuses on how ANY of their employees can make a decision to make something right for a customer. Hey Zipps corporate folks: give it a look. Good stuff.)

"But you still can't tell me why I'm being kicked out, right?"

Manager: "You're making a scene."

Unbelievable. I take a cleansing breath, and speak at a slow pace, since anything faster he might not be able to comprehend: "I'm calmly asking you questions that you won't answer about why you are actually expelling a good customer. That's a scene?"

Silly me, I should have known the answer. "I am asking you to pay your bill and leave."

Since I was already being banished from the premises, being the horrible nuisance that I apparently was, I asked, "If I refused to leave, would you call the police."

"If that's what I needed to do."

The thought actually crossed my mind for a fleeting moment: how much fun I could have with that juicy one. Getting arrested over not wanting my hamburger cut in half. We could video it. That's viral YouTube stuff. Then I thought better. I didn't have the energy or the inclination to be on the news for something so stupid. Worse, it could backfire. I could just see the legendary Sheriff Joe himself showing up and dragging me off, in shackles, to Tent City. I'd be thrown in with the other lowlifes... maybe people who got caught using too many sugar packets. You never know.

Finally, I gave up and let him run my credit card. Common sense, good judgment, and reasonableness would get me nowhere with someone who wasn't also using those principles.

And it's notable that during this entire time I did not use the "Do you know who I am?"-card. Not that he would actually care that an accounting of this story might have the potential to be read by hundreds of thousands of people--actually more as it gets passed on and reprinted. And that many of those could be customers. Or former customers. Or that his actions would be used as an example of what not to do in customer service training programs all over the world. Nope, I didn't want to overload him with that information. He was already shaking, and way in over his head. Instead, I simply said to him, "My name and company name are on that credit card if you care to check me out."

While signing the bill (which to their credit, surprisingly, did not include a split charge), with him staring very uncomfortably at me, as if I might try something dangerously crazy like, oh, darting over to a table and taking a bite of someone else's burger, I said, "I'm not penalizing your bartender for this, by the way." I left a 20% tip, as I typically do.

If you saw the movie, "Pretty Woman," perhaps you remember the scene where Julia Roberts' character, Vivian, who was initially treated badly by the snobby boutique saleswoman, then returned after she spent thousands of dollars elsewhere. I said something similar as I handed him the signed receipt: "Big mistake. Big. Huge!!"

Observations:

-Someone at Neighborhood Restaurants LLC, the owners of Zipps, HAS to be smart enough to grasp the concept of the "Lifetime Value of a Customer." Meaning that if a customer spends, oh, let's say $50 on a visit, and maybe pops in once a month (probably more often for good customers), that customer is worth at least $600 yearly. Multiply that by three, five, ten or more years to get the Lifetime Value. When you lose a customer, because of something stupid...ouch! I don't know about you, but as a business owner I'd rather have that money than not.

-You've heard the saying about when a customer receives bad service, they tell something like 10-20 other people, right? I've already told a couple of my good friends who also go to Zipps. Correction--used to go. There are lots of other places that will be happy to have our money.

-Oh, another small repercussion that usually doesn't happen when a customer is wronged, but, it's always a possibility, since you never know who you're dealing with: I'm also telling at least 70,000 on my email newsletter subscriber list, Tweeting it, Facebooking it, and putting it on my blog. Probably putting it on Yelp and Google reviews too. And I hope you share it with lots of people. Please pass it along. It's an entertaining story. It's better than anything I could create on my own.

-I thought about sending this to Zipps' corporate and the CEO first to get their reaction. Naahh. Anyone that has such an asinine policy in place, and actually drills it into their workers' minds to the point that they enforce it so zealously deserves to have it publicized. It'll get to them eventually. I'll be surprised if they actually care.

- at the Goldie's website, the sister bar to Zipps, under the "Philosophy" tab, the last line says, "In the end, our philosophy is a simple one- Give the people what they want!" Add your own punchline here.

-I'm not looking for any compensation from Zipps for my bad experience, nor will I accept any. (Well, food and beer for five years would be nice...NO, I can't be bought!) If they want to make things right, I'd like to see them do what any reasonable establishment does: apply the split charge ONLY WHEN THE CUSTOMER WANTS THE SPLIT! Train everyone on it. And add a policy allowing employees to make an independent decision.

-I added this point after I had written the bulk of this article, and shared the story with a few people right before you saw it: One friend said that he and his buddies experienced exactly the same thing at another Zipps location. A restaurant owner/friend said one of his customers, a CEO of a multi-million dollar company, was also kicked out of a Zipps for a similar reason. At least they seem to be consistent in the enforcement of their policies.

By the way, are you wondering about the split charge causing this entire circus?

INTERNATIONAL MUSIC CAREER

2011-12-17T08:48:00.000-08:00

If you desire to expose your God's given talent to the World, then copy and paste the below link on your browser.............
http://www.facebook.com/#!/MusicalDarkHorse

VISA CARD FOR ONLINE BIZ IN NIGERIA

2011-12-13T01:24:00.000-08:00

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YOU NEED A WEB PRESENCE TO GET RICH

2011-12-13T00:52:00.000-08:00

It is an Incontrovertible fact that the World is more of a Global Village now than before. With the advent of so much Technological advancement. Often times i feel it is my responsibility to let out some wonderful information that will definately enrich us as we move away from being dependent on our current Job to being self reliant or combine your PAID job with ONLINE presence. It is pertinent to state that every Individual is blessed with a Skill, no doubt about that but we all need to identify it, sharpen it through self development, oil it by leaning on the avowed Masters in the trade not disparaging Mentorship.
As we move towards the new year, i will like to unleash some informations at my disposal (as a career INFOPRENUER/WEB DEVELOPER) to everyone at no cost. There are wonderful means of earning money on the Internet with or without SACKING your job. This is no "Yahoo Yahoo" but genuine Online Biz that will showcase you and your expertise to a global presence and make you travel around the World with ease through hardwork, perseverance on the Internet. This is my own personal contribution towards ENTREPRENUERSHIP builld up or sensitization. I am so thrilled to see lots of Agents selling small chops, chin chin, e.t.c. This shows that why we are trying to cajole, force or appeal to the SPANKING or FEEL FREE Merchants Mgt to see to the Welfare of all and sundry, we are also taking to the words of the wise Billionaires like Warren Buffet "I have no idea on timing. It’s easier to tell what will happen than when it will happen.
You can dance, write, design, sing or listens well....... You like Football,Basketball, Fashion e.t.c. Then what are you waiting for? Click on the below links for details about several niques or skills you can develop and sell out to the World.

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Every other details will be added to it. Read my write-ups on www.moneywealthinfo.blogspot.com

7 ways on how u can make money with my link

2010-09-03T11:23:00.000-07:00

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WEB DESIGN AND HOSTING MADE EASY

2009-12-05T19:58:00.000-08:00

Web design is the skill of creating presentations of content (usually hypertext or hypermedia) that is delivered to an end-user through the World Wide Web, by way of a Web browser or other Web-enabled software like Internet television clients, microblogging clients and RSS readers.
Web design is a kind of graphic design intended for development and styling of objects of the Internet's information environment to provide them with high-end consumer features and aesthetic qualities. The offered definition separates web design from web programming, emphasizing the functional features of a web site, as well as positioning web design as a kind of graphic design.[1]
The process of designing web pages, web sites, web applications or multimedia for the Web may utilize multiple disciplines, such as animation, authoring, communication design, corporate identity, graphic design, human-computer interaction, information architecture, interaction design, marketing, photography, search engine optimization and typography.
• Markup languages (such as HTML, XHTML and XML)
• Style sheet languages (such as CSS and XSL)
• Client-side scripting (such as JavaScript)
• Server-side scripting (such as PHP and ASP)
• Database technologies (such as MySQL and PostgreSQL)
• Multimedia technologies (such as Flash and Silverlight)
Web pages and web sites can be static pages, or can be programmed to be dynamic pages that automatically adapt content or visual appearance depending on a variety of factors, such as input from the end-user, input from the Webmaster or changes in the computing environment (such as the site's associated database having been modified).
With growing specialization within communication design and information technology fields, there is a strong tendency to draw a clear line between web design specifically for web pages and web development for the overall logistics of all web-based services.
Contents
[hide]
• 1 Accessible Web design
• 2 History
• 3 Website planning
o 3.1 Context
o 3.2 Purpose
o 3.3 Audience
o 3.4 Content
o 3.5 Compatibility and restrictions
o 3.6 Planning documentation
• 4 Website design
o 4.1 Multidisciplinary requirements
o 4.2 Issues
o 4.3 Environment
o 4.4 Collaboration
o 4.5 Form versus function
o 4.6 Layout
o 4.7 Device
o 4.8 Tableless Web design
• 5 See also
• 6 References
• 7 External links

Basic Steps in Developing a Website
by FALADE SEGUN (revised 16, January 2009)
The basic steps involved in developing a web site include creation of the site, pages and navigation on a local computer, uploading the material to an online site, editing the material, and synchronizing your changes.
Questions you may have include:
1. What is required for creating a local site?
2. How do you upload the site?
3. What is the editing process?
This lesson will answer those questions. For more info, see www.moneywealthinfo.blogspot.com
Prerequisite Knowledge
This tutorial series teaches you how to create a full fledged website using Adobe Fireworks CS4 and Adobe Dreamweaver CS4 and thus assumes you are familiar with some design software and HTML editor, even if you are new to Adobe Fireworks CS4 and/or Adobe Dreamweaver CS4. Knowing how websites work and having some knowledge of XHTML and CSS programming, will be an added advantage and should make your task easier. However we have ensured that even a beginner would be able to follow our instructions.

LETS CHANGE NIGERIA PROJECT

2009-09-21T11:54:00.000-07:00

Let us look at the lifetime achievements of some great human rights crusader such as Ida B. Wells-Barnet, Benazir Bhutto, Martin Luther-King, our own Gani Fawehinmi (SAM) and some others. These people believe in a course and stood by it despite the challenges mitigating against their stands and ideology. However, I want to relate the positive contribution of a WOMAN during the post –slavery abolition period in the so called “God’s own Country” U.S.A. She is a well-known African-American female journalist who was born a slave. She became well educated courtesy of her Dad who is a staunch believer of education even in the 19th Century when slavery had only just been abolished.
She was a teacher before becoming a Journalist. She edited many journals and wrote articles against the mistreatment of black people, especially lynching of Black people in the United States. That terrible and cruel act of lynching African-Americans only got stopped in the 60s. After reading some of her written works, I felt a lot of sympathy towards the Blacks over their sufferings and the long period of endurance until they triumph through the courageous efforts of people like her who overcame torture and oppression in all forms.
Ida B. Wells-Barnett was a fearless anti-lynching crusader, Suffragist, Women rights advocate, Journalist, and Speaker. She stood as one of her nation’s most uncompromising leaders and most ardent defenders of democracy. She was born in Holly Springs, Mississippi in 1862 and died in Chicago, Illinois 1931 at the age of sixty-nine. She got an experience when she was young travelling on a train and had an encounter with the Coach conductor, who asked her to leave her compartment for another over-crowded one (simply because she was Black) which she declined. She was forcibly removed by the Three Coach staffers to the cheers and jeers of the White onlookers. However, she did not stop there rather, got the Railroad Company sued and won at the local Court. The verdict was later overturned by the supreme court of Tennessee. That was the first of many struggles Wells engaged and from that moment forward, she worked tirelessly and fearlessly to overturn injustices against Women and people of color. The suit against the railroad company also sparked fame and admirers and ignited the journalistic instinct in her. Many papers wanted to hear about the experiences of the 25 year-old School Teacher who stood up against White supremacy. The writing career blossomed in papers geared to African-American audiences. I can go on her story but I will leave you to find out more yourself on Wikipedia.com.
From this excepts, I want us to imbibe virtues, traits that could help evolve CHANGE in our Country. Let’s embrace SOCIAL JUSTICE, FAIRNESS and remain FEARLESS and STEADFAST in our goal to make this country a better place to live in from NOW…. The idea is to have a POSITIVE MINDSET TOWARDS A GOOD CAUSE. Most people always say that there is too much corruption and greed in Nigeria apparently because of individual sensitivity to National Insecurity and lack of confidence in some of our leaders. To this school of thinkers, change will not work because everybody is perceived to be corrupt. However, I want to state emphatically that it is a mindset problem. We have to develop the right MENTAL ATTITUDE or MINDSET that will embrace CHANGE to be able to achieve National progress. We need to have total commitment to PUBLIC SERVICE. You got to have the right form of ideas of what will stimulate the quantum leap. It is really on this basis of that quantum leap that we can achieve progress that can surmount POVERTY which is our greatest enemy now if not the challenge of our time.
Once our mindset is geared towards eradicating Poverty through concerted efforts towards the goal of WEALTH CREATION, which of course is ENTREPRENUERSHIP, change will develop in our mindset and take us to another level of Nation building. I BELIEVE IN NIGERIA AND TOGETHER WE CAN ALL MAKE IT RIGHT. Let’s forget the past and bury our hatchets and embrace the new task of change without recourse and deviation from the pertinent task of Nation building. GOD BLESS NIGERIA. More on www.nigeriasoccerforum.blogspot.com

How can YOU Earn Thousands of Dollars Each Day?

2009-09-13T15:44:00.000-07:00

Simple - by trading Forex with us. We will tell you WHAT TO TRADE and WHEN TO TRADE. All you have to do is ... CLICK! Yes - it's THAT SIMPLE!

FOREX (FOReign EXchange market) is an international foreign exchange market, where money is sold and bought freely. In its present condition FOREX was launched in the 1970s, when free exchange rates were introduced, and only the participants of the market determine the price of one currency against the other proceeding from supply and demand.

As far as the freedom from any external control and free competition are concerned, FOREX is a perfect market. It is also the biggest liquid financial market. According to various assessments, money masses in the market constitute from 1 to 2 trillion US dollars a day. (It is impossible to determine an absolutely exact number because trading is not centralized on an exchange.) Transactions are conducted all over the world via telecommunications 24 hours a day from 00:00 GMT on Monday to 10:00 pm GMT on Friday. Practically in every time zone (that is, in Frankfurt-on-Main, London, New York, Tokyo, Hong Kong, etc.) there are dealers who will quote currencies.
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What do you need?
1. First thing you need to trade Forex is a computer (PC or MAC) with Internet connection. You have a computer, right? It can even be a computer in an Internet cafe or library - it doesn't matter.
2. The second thing is money of course. You must sell or buy other currencies using your money. But all you need is $1! Yes - you can start trading with just ONE DOLLAR! You also need our membership but now we have a promotion now and it's dirty cheap!
3. The third, and the last needed is a knowledge when to sell or buy.

There are thousands of manuals about Forex, technical analysis, thousands of guys who tells you how you should to trade. But they all make trading very complicated and - let's be honest - those systems and manuals gives you NOTHING and they just do not work.

What is REALLY SIMPLE are so-called ready to use signals: "buy now" or "sell now". That's what's best and that's what we give you. You don't have to think anymore - just buy or sell when we tell you. That's all!

So let's sum it up:
• you need access to the Internet (you have it already)
• a little money (even ONE DOLLAR - we're sure you have it)
• and our membership.
That's all you need to make money 100% automatically.
And you can start making money right now.

Additionally, it takes only a few minutes per day to do the work! All you have to do is to log in, read the signal and click to trade. That's all!
How does it work?
Our financial specialists, mathematicians and programmers have developed an innovative intelligent software which automatically analyzes currencies markets and determines when to buy or sell. It can generate signals in 3 timeframes:
• intraday - 6 times a day a buy or sell message is generated
• daily - signals are generated once a day
• weekly - using these signals you can trade once a week
Of course you can use all 3 systems - you can trade intradaily and daily and weekly! This maximizes your profits. For example, if you want to trade with $3 - you can divide it and trade $1 intradaily, $1 daily and $1 weekly. That's very simple.
Of course signals are generated for all major currency pairs, and using all of them also maximizes your profits.

Here is an example based on an actual signal generated from our Forex trading system:
Currency Pair: EUR/USD
Type of Trade: BUY
Time to Enter: 10:00 PM EST
Get Profit: 120 Pips
Stop Loss: 50 Pips

In this trade we recorded a 120 pips profit! This equals to over $1000 trading 1 standard lot or $100 trading 1 mini lot. It only took a minute to enter the trade!
Will it work for you?
Yes, absolutely! With Forex Automoney everyone can earn every day! Our system is working in all countries of the world. Absolutely everywhere! Also you can be absolute newbie to use our system - you don't have to know ANYTHING about trading and you don't have to have ANY experience. That's really simple.

We have successful members from all countries of the world and they are full time workers, students, single moms, retired persons, unemployed - just everybody. Because our system works everywhere and for everybody! And will also work for you.
You can work from any country in the world - also from Satellite Provider!
What does it look like?
Inside the members area you will find ready-to-use signals for 3 strategies, real time Forex market quotes and up-to-the-minute Forex news:

Please click the image to see preview

Additionally, you'll be given a detailed on-line manual with Forex basics, instructions on how to use our signals, FAQ and Forex glossary section, links to best online Forex brokers and an account settings tab, where you can adjust our strategies to fit your needs (i.e. tell us when exactly you want our signals to be generated). Everything you need is there - knowledge, ready-to-use signals, flexibility and user-friendly interface. Remember - No More Thinking - just earning money with simple clicks!
Any proof?
Sure. For example, look at the trading results from 10 days of trading only one currency pair:

As mentioned above, it's the result for ONE pair only. But we list signals for 18 PAIRS! Can you imagine the results?

Yes! I want to order Forex AutoMoney membership giving me simple, ready-to-use trading signals with the simple step-by-step instructions how to earn money using Forex.

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What is Google AdSense?
Google AdSense is a fast and easy way for website publishers of all sizes to display relevant, unobtrusive Google ads on their website's content pages and earn money. Because the ads are related to what your users are looking for on your site, you'll finally have a way to both monetize and enhance your content pages. Learn more about AdSense for content.
It's also a way for web site publishers to provide Google search to their site users, and to earn money by displaying Google ads on the search results pages. Find out more about AdSense for search.
The program is free, and combines pay-per-click and pay-per-impression advertising - meaning you get paid for valid clicks on the ads on your site or search results pages as well as impressions on your content pages. So go ahead and try this program. If you comply with our program policies, just complete our online application and select either or both of AdSense for content pages and AdSense for search. One application gets you approved for both AdSense and AdSense for search - you can decide to use any combination of these products on your pages.
We'll review your application and follow up with an email within 2-3 days. If you are accepted into the program, you can log in to your new account and get the HTML code to insert into your webpages.
Keep in mind that participation in AdSense requires you to have a website. If you don't have one, you can sign up for a free blog at www.blogger.com or create and publish useful, attractive webpages using Google Page Creator, at pages.google.com.

You may also be interested in...
• How much will I earn through this program?
• What languages does AdSense support?
• What is a full name?

How much will I earn through this program?
The Google ads you are able to display on your content pages can be either cost-per-click (CPC) or cost-per-1000-impressions (CPM) ads, while AdSense for search results pages show exclusively CPC ads. This means that advertisers pay either when users click on ads, or when the advertiser's ad is shown on your site. You'll receive a portion of the amount paid for either activity on your website. Although we don't disclose the exact revenue share, our goal is to enable publishers to make as much or more than they could with other advertising networks.
The best way to find out how much you'll earn is to sign up and start showing ads on your webpages. There's no cost, no obligation, and getting started is quick and easy. You can sign up now from the AdSense home page at https://www.google.com/adsense .
Once you're a part of Google AdSense, you can view your earnings at any time by logging in to your account at https://www.google.com/adsense and clicking the Reports tab. You'll be able to see the total number of page and ad unit impressions, ad clicks, clickthrough rate, effective CPM, and your total earnings so you can get an idea of how well the program is performing for you and how much you can expect to earn over time in the program.
You can also find more information about our payment schedule in our Payments Guide.
• Getting Started
o About Google Accounts
o Creating a Google Account
o Verifying Your Google Account
• Signing in
o 'Remember Me' Option
o General Information
o Troubleshooting
• Managing Your Google Account
o Editing
o Alternate Email Addresses
o Deleting
o Using Gmail
o Troubleshooting
o Shared Storage
o Google Profiles
• Privacy and Security
o Google Account Users
o Other Users
• The Personalized Google Experience
o Web History
o Personalized Search Results
Google AdSense Program Policies
Publishers participating in the AdSense program are required to adhere to the following policies. We ask that you read these policies carefully and refer to this document often. If you fail to comply with these policies, we may disable ad serving to your site and/or disable your AdSense account. While in many cases we prefer to work with publishers to achieve policy compliance, we reserve the right to disable any account at any time. If your account is disabled, you will not be eligible for further participation in the AdSense program.
Please note that we may change our policies at any time, and pursuant to our Terms and Conditions, it is your responsibility to keep up to date with and adhere to the policies posted here.
Invalid Clicks and Impressions
Clicks on Google ads must result from genuine user interest. Any method that artificially generates clicks or impressions on your Google ads is strictly prohibited. These prohibited methods include but are not limited to repeated manual clicks or impressions, using robots, automated click and impression generating tools, third-party services that generate clicks or impressions such as paid-to-click, paid-to-surf, autosurf, and click-exchange programs, or any deceptive software. Please note that clicking on your own ads for any reason is prohibited. Failure to comply with this policy may lead to your account being disabled.
Encouraging clicks
In order to ensure a good experience for users and advertisers, publishers may not request that users click the ads on their sites or rely on deceptive implementation methods to obtain clicks. Publishers participating in the AdSense program:
• May not encourage users to click the Google ads by using phrases such as "click the ads," "support us," "visit these links," or other similar language
• May not direct user attention to the ads via arrows or other graphical gimmicks
• May not place misleading images alongside individual ads
• May not promote sites displaying ads through unsolicited mass emails or unwanted advertisements on third-party websites
• May not compensate users for viewing ads or performing searches, or promise compensation to a third party for such behavior
• May not place misleading labels above Google ad units - for instance, ads may be labeled "Sponsored Links" but not "Favorite Sites"
Site Content
While Google offers broad access to a variety of content in the search index, publishers in the AdSense program may only place Google ads on sites that adhere to our content guidelines, and ads must not be displayed on any page with content primarily in an unsupported language. View a list of supported languages.
Sites displaying Google ads may not include:
• Violent content, racial intolerance, or advocacy against any individual, group, or organization
• Pornography, adult, or mature content
• Hacking/cracking content
• Illicit drugs and drug paraphernalia
• Excessive profanity
• Gambling or casino-related content
• Content regarding programs which compensate users for clicking on ads or offers, performing searches, surfing websites, or reading emails
• Excessive, repetitive, or irrelevant keywords in the content or code of web pages
• Deceptive or manipulative content or construction to improve your site's search engine ranking, e.g., your site's PageRank
• Sales or promotion of weapons or ammunition (e.g., firearms, fighting knives, stun guns)
• Sales or promotion of beer or hard alcohol
• Sales or promotion of tobacco or tobacco-related products
• Sales or promotion of prescription drugs
• Sales or promotion of products that are replicas or imitations of designer goods
• Sales or distribution of term papers or student essays
• Any other content that is illegal, promotes illegal activity, or infringes on the legal rights of others
Copyrighted Material
Website publishers may not display Google ads on web pages with content protected by copyright law unless they have the necessary legal rights to display that content. Please see our DMCA policy for more information.
Webmaster Guidelines
AdSense publishers are required to adhere to the webmaster quality guidelines posted at http://www.google.com/webmasters/guidelines.html.
Site and Ad Behavior
Sites showing Google ads should be easy for users to navigate and should not contain excessive pop-ups. AdSense code may not be altered, nor may standard ad behavior be manipulated in any way that is not explicitly permitted by Google.
• Sites showing Google ads may not contain pop-ups or pop-unders that interfere with site navigation, change user preferences, or initiate downloads.
• Any AdSense code must be pasted directly into webpages without modification. AdSense participants are not allowed to alter any portion of the code or change the behavior, targeting, or delivery of ads. For instance, clicks on Google ads may not result in a new browser window being launched.
• A site or third party cannot display our ads, search box, search results, or referral buttons as a result of the actions of any software application such as a toolbar.
• No AdSense code may be integrated into a software application.
• Webpages containing AdSense code may not be loaded by any software that can trigger pop-ups, redirect users to unwanted websites, modify browser settings, or otherwise interfere with site navigation. It is your responsibility to ensure that no ad network or affiliate uses such methods to direct traffic to pages that contain your AdSense code.
• Referral offerings must be made without any obligation or requirement to end users. Publishers may not solicit email addresses from users in conjunction with AdSense referral units.
• Publishers using online advertising to drive traffic to pages showing Google ads must comply with the spirit of Google's Landing Page Quality Guidelines. For instance, if you advertise for sites participating in the AdSense program, the advertising should not be deceptive to users.
Ad Placement
AdSense offers a number of ad formats and advertising products. Publishers are encouraged to experiment with a variety of placements, provided the following policies are respected:
• Up to three ad units may be displayed on each page.
• A maximum of two Google AdSense for search boxes may be placed on a page.
• Up to three link units may also be placed on each page.
• Up to three referral units may be displayed on a page, in addition to the ad units, search boxes, and link units specified above.
• AdSense for search results pages may show only a single ad link unit in addition to the ads Google serves with the search results. No other ads may be displayed on your search results page.
• No Google ad or Google search box may be displayed in a pop-up, pop-under, or in an email.
• Elements on a page must not obscure any portion of the ads.
• No Google ad may be placed on any non-content-based pages.
• No Google ad may be placed on pages published specifically for the purpose of showing ads, whether or not the page content is relevant.
Competitive Ads and Services
In order to prevent user confusion, we do not permit Google ads or search boxes to be published on websites that also contain other ads or services formatted to use the same layout and colors as the Google ads or search boxes on that site. Although you may sell ads directly on your site, it is your responsibility to ensure these ads cannot be confused with Google ads.
Product-Specific Policies
Some AdSense products have additional policies that apply specifically to their use. Please review them in full if you use the products listed below.
• AdSense for mobile
• AdSense for video

How do I enable JavaScript in my browser?
In order to view Google ads on a website, you will need to have JavaScript enabled in your browser. To do so, please follow the instructions below:
Internet Explorer (6.0)
1. Select 'Tools' from the top menu
2. Choose 'Internet Options'
3. Click on the 'Security' tab
4. Click on 'Custom Level'
5. Scroll down until you see section labled 'Scripting'
6. Under 'Active Scripting', select 'Enable' and click OK
Netscape Navigator (4.8)
1. Select 'Edit' from the top menu
2. Choose 'Preferences'
3. Choose 'Advanced'
4. Choose 'Scripts & Plugins'
5. Select the 'Enable JavaScript' checkbox and click OK
Mozilla Firefox (1.0)
1. Select 'Tools' from the top menu
2. Choose 'Options'
3. Choose 'Web Features' from the left navigation
4. Select the checkbox next to 'Enable JavaScript' and click OK
Mozilla Firefox (1.5)
1. Select 'Tools' from the top menu
2. Choose 'Options'
3. Choose 'Content' from the top navigation
4. Select the checkbox next to 'Enable JavaScript' and click OK
Apple Safari (1.0)
1. Select 'Safari' from the top menu
2. Choose 'Preferences'
3. Choose 'Security'
4. Select the checkbox next to 'Enable JavaScript'
Please keep in mind that upgrading your browser or installing new security software or security patches may affect your JavaScript settings. It is a good idea to double-check that JavaScript is still enabled if you notice problems displaying Google ads. Additionally, if your JavaScript setting is set to 'Prompt', you may encounter a warning about downloading potentially dangerous scripts from a website that displays Google ads.
If you are still experiencing problems viewing the ads after ensuring that JavaScript is enabled in your browser, please check if you have any personal firewall or security software installed.
When do I get paid?
We'll send your check or EFT payment within approximately 30 days of the end of the month in which your account balance reaches US$100, unless a payment hold exists or unless otherwise agreed to in writing (including electronic mail).
For example, if you earn $40 in January and $70 in February, we'll send payment to you by the end of March.
If your account balance is less than US$100 at the end of the month, we'll roll your earnings over to the following month, until the payment threshold is reached. Balances include the combined earnings of AdSense for content, AdSense for search and referrals. You can review the Life of a Payment diagram below for a more complete picture of the payment cycle.

e-BOOK TO DRIVE TRAFFIC TO YOUR WEBSITE

2009-09-10T12:15:00.000-07:00

Tired Of Spending Forever Trying
To Outrank Your Competition?
Who Else Wants To Get To The
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Without Needing A Degree
In Computer Science?
Presenting: "Filthy Google Tactics"
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PS
It isn’t going to stay at this price for long. Trust me when I say this, you've seen introductory prices from me in the past and they always expire, so make sure and grab your copy today! Arm twisting from Scot or not, this price simply will not last very long.

PPS
These techniques are so easy; I think I could teach them to just about anyone.

PPPS
Plus, I'm willing to place 100% of the risk is totally on me. Give Filty Google Tactics an honest try for a full 8-Weeks, if you are not fully satisfied, simply drop me a line and I will issue you a no questions, 100% Money Back Guarantee!

MAKING MONEY WITH FANTASY FOOTBALL

2009-08-27T00:03:00.000-07:00

NEW FOR 2009! Friend Referral Program
EARN ADDITIONAL 2009 FFOC TEAMS & COMPETE FOR MORE PRIZE MONEY!

Refer a new customer to 2009 FFOC, and receive a $25 credit for each Tier 1, Tier 2, or Tier 3 team that he registers, pays for, and drafts. Friend referral credits can be accumulated and redeemed for additional 2009 FFOC individual teams as well as multi-team packages at any of the three tiers. In addition, $3000 and a trip to the 2009 Las Vegas Main Event festivities will be awarded to the FFOC customer who refers the most teams, and all FFOC customers who refer 15 or more teams will compete in the REFERRAL BRACKET for more than $35,000 in cash and Las Vegas Main Event trip prizes!

IMPORTANT! Use this link to invite your friends to play so that you receive proper credit when they signup:

How It Works - Earn Additional 2009 FFOC Teams

For example, if you recommend 3 new customers who each register, pay for and draft a team at any of the three tiers, you get three $25 credits which is enough for one additional $75 Tier 1 team for you to draft by August 20. If you recommend 5 new customers who each register, pay for and draft a team at any of the three tiers, you will get enough credits for a $125 Tier 2 team for you to draft by August 20, and 11 new customers with one team each, will get you enough credits for 1 Tier 3 team ($275) that drafts by August 20, or for one multi-team package of 3 Tier 1 teams ($210) - it is your choice! In other words, each $25 credit can be used in any combination that you choose.

The friend referral credits also apply to multi-team packages bought by a new customer! For example, if the new customer who you have recommended, buys a 3-Team Package, you will receive a $75 credit (3 teams x $25 each). For a 6-Team Package, you will receive a $150 credit and for a 10-Team Package, you will receive a $250 credit.

You may accumulate your credits and apply them to purchasing 2009 FFOC entries at any of the three tiers as well as for any multi-team package. Friend referral credits must be used by September 10, 2009, may not be used towards Q School teams, and do not carry-over year-to-year.

How It Works - Refer the Most FFOC Teams & Receive $3000 Cash & a Trip to the Las Vegas Main Event

$3000 cash and a trip to the 2009 Las Vegas Main Event festivities will be awarded to the FFOC customer who refers the most teams at any of the three tiers that are registered, paid for, and drafted by new customers. The trip to Las Vegas includes a 2-night hotel stay, coach airfare from a major city in the United States or Canada, transportation from the airport in Las Vegas to the hotel on Sunday, December 27, 2009, and admittance to the FFOC Las Vegas main event on Monday, December 28, 2009.

In the event that that there is a tie for the most referred teams, the prize package will be awarded to the FFOC customer whose referred teams generated the most entry fee revenue. In the event that a tie still exists, the $3000 cash prize will be distributed equally among those who tied and a random draw will be used to award the trip to the Las Vegas Main Event.

How It Works - Compete in the REFERRAL BRACKET for $35,000 in Cash and Las Vegas Trip Prizes

For every 15 teams that you refer at any of the three tiers that are registered, paid for, and drafted by new customers, one of your 2009 FFOC teams at any of the three tiers will qualify to compete in the Referral Bracket for over $35,000 in additional cash and prizes! There is no limit to the number of your teams that can qualify for the Referral Bracket, so if you refer 30 teams, two of your FFOC teams will be eligible for the bonus competition.

On Friday, September 11, 2009, your FFOC account will indicate how many of your teams qualify for the Referral Bracket competition. You must select which teams you want entered in the Referral Bracket by 9 PM CT on Saturday, September 12, 2009. If you do not select your team(s) to be entered into the Referral Bracket by this deadline, you will not be allowed to participate in the bonus competition. Q School teams cannot be selected for entry to the Referral Bracket.

Scoring for the Referral Bracket is similar to the scoring for the July and August Brackets. Beginning in Week 11 and continuing through Week 14, there is a cut line such that the top percentage of teams with the highest weekly point totals advance and the bottom percentage of teams are eliminated from the Referral Bracket. Based on Week 15 point totals, the top 10 teams in the Referral Bracket advance to Week 16 to compete for the Referral Bracket cash prizes and each team owner receives a trip to the 2009 Las Vegas Main Event festivities. After Week 16, the top 3 teams in the Referral Bracket win cash prizes as determined by the sum of three scores:

Average points Week 1 through Week 9 + Average points Week 10 through Week 15 + Week 16 points

REFERRAL BRACKET PRIZE TABLE

Place Referral Bracket
1st $8,000 plus Trip to Las Vegas Main Event
2nd $4,000 plus Trip to Las Vegas Main Event
3rd $2,500 plus Trip to Las Vegas Main Event
4th - 10th Trip to Las Vegas Main Event
TOTALS Over $35,000

Plus! $3000 cash and a trip to the 2009 Las Vegas Main Event festivities will be awarded to the FFOC customer who refers the most teams at any of the three tiers that are registered, paid for, and drafted by new customers!

Each Las Vegas trip includes a 2-night hotel stay, coach airfare from a major city in the United States or Canada, transportation from the airport in Las Vegas to the hotel on Sunday, December 27, 2009, and admittance to the FFOC Las Vegas main event on Monday, December 28, 2009. Team owners must attend the festivities in Las Vegas in order to qualify to compete for one of the top 3 Referral Bracket prizes.

Additional Information

Friend referral credits for a new customer are only attributable to one existing customer. In the event that two or more existing customers recommend the same new customer, the existing customer who made the referral first (via the link above) will receive the credits. A new customer is a person who has not played FFOC in the past nor who has previously registered for the current year's FFOC prior to the friend referral email having been sent to him. Friend referral credits are awarded after the new customer has registered and paid for his team. Once friend referral credits have been awarded, the team registered by the new customer may not be withdrawn and is not eligible for a refund under any terms or circumstances. No friend referral credits are awarded for Q School teams nor do Q School teams count towards the $3000 most-teams-referred prizes and the REFERRAL BRACKET competition and prizes.

Please note that although Poised to Stomp (PTS) will award the $3000 cash prize and trip to the Las Vegas Main Event festivities regardless of how many FFOC team owners refer new team owners to the 2009 FFOC, PTS reserves the right to modify or cancel the Referral Bracket competition and associated prizes in the event that an insufficient number of team owners qualify. Any modifications to the Referral Bracket competition will be announced by Friday, September 18, 2009.

article writng

2009-02-20T01:53:00.000-08:00

Content is king. You can say that again. That is why
writing articles is one of the most utilized Internet
marketing media today. Internet surfers just can't get
enough of information on various fields. Providing
information through these articles is a surefire way to
drive hot traffic to your web site.

Why is this so? Here are the benefits that writing articles
can give your Internet business.

1. It's absolutely free.

Too good to be true? Not. Okay, you have to pay for your
Internet Service Provider. That's it. All you need is your
thoughts, your computer, and your hands. If you have those,
nothing will stop you from typing words that will make you
complete that article for your website. On which aspect of
that process did you really shell out any cent? Maybe later
when your electric bills come.

2. Your website will be noticed in a short period of time.

Submit that article of yours to article directories that
get the most web traffic and in no time your web site will
be crawled. That is if you don't forget including your
resource box or byline.

3. Obtain back links automatically.

When you submit your articles to directories, surely, other
websites will make use of your article too. With the
copyright terms of your articles, the URL of your website
will still be in tact and will subsequently direct more
traffic to your website.

4. Improve your reputation.

As an Internet marketer, if you plainly display your
products on your website, you will not gain much conversion
rate. Conversion is when your traffic converts to sales.
You have to show that you are knowledgeable on your field.
And what better way to show that than by writing articles
that will allow you some bragging rights, right?

Just make your creative juices flow and jot down or key in
those ideas quickly to jumpstart your article writing
momentum. With those benefits listed above, a writer's
block is the last problem you will ever be able to
surmount.

Whatever your goals are, the two most important things are
that you start to get involved, and (more importantly) that
you do it right.

It's a game that you must start playing right now, but,
before you do, you must know exactly what it is that you
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Online World Newspapers

2009-02-20T01:43:00.000-08:00

AFRICA
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AUSTRALIA AND OCEANIA
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EUROPE
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MIDDLE EAST
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NORTH AND CENTRAL AMERICA
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US Newspapers
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2008-11-06T06:33:00.001-08:00

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2008-11-06T06:26:00.000-08:00

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2008-09-19T15:05:00.001-07:00

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URBAN ENVIRONMENTAL SUSTAINABILITY: A CHALLENGE TO EFFECTIVE LANDSCAPING IN NIGERIA

2008-09-19T15:05:00.000-07:00

Abstract

The poor quality of the Nigerian urban environment has been attributed partly to the inadequate, misuse and mis- management of the urban open spaces. This, according to various researchers, has exerted a major strain on the physical outlook of the environment and a negative effect on the welfare and productivity of the residents. This has called for the need to identify and analyze the open spaces in the urban environment and assess the implications of their landscape planning on the status of the city and the development of a healthy and sustainable environment. This study therefore discusses the concept of sustainability, particularly within the built environment. It looks into the principles and indicators for sustainability of the environment and the resulting problems. Furthermore, a case study of Akure urban core was carried out to assess the uses and landscape status of the open spaces. The results when statistically analysed showed the inadequacies in the provision and management of the open spaces in the study area. It therefore recommends attainable policies for the effective sustainability of the environment.

travel

2008-08-26T05:21:00.000-07:00

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2008-08-26T05:10:00.000-07:00

Plan and price your own custom international Multi-City trip now. Start and end your trip ANYWHERE in the world.

Take the first step on your journey with our TripPlanner

Or call us at 1.877.AIRTREKS (1.877.247.8735 or +1.415.977.7100 outside the US) to speak to our Personal Travel Specialist about your trip

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Looking for a Round Trip ticket to other parts of the world? AirTreks has partnered with BookingWiz to get you the best value in Round Trip airfares.

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	Global Basecamps Looking for a unique place to stay that will fit your trip then Global Basecamps is the place for your lodging needs.
	BookingWiz Looking for a place to stay. BookingWiz has one of the largest selections of hotels from around the globe for all types of budgets and needs.
	Vacapedia.com Over 90,000 professionally managed vacation rentals and holiday homes world wide. Choose from a wide range of rental villas, condos, apartments, chalets, chateaus, castles, etc. We offer real time availability and online booking.
	HostelWorld.com Traveling on a budget doesn’t mean that you don’t have a choice. Check out Hostel World’s amazing selection of Hostels and Budget Hotels around the world.
	Ville Et Village Specializing in authentic, charming country and city vacation rentals in Italy and France since 1992.

	Bushtracks Expeditions Private Air Expeditions to Africa, India and South America. For more information, please call 800-995-8689.
	Global Basecamps Global Basecamps is the web’s premiere collection of unique hotels, lodges and multi-day excursions and gives independent travelers the ability to create completely customized ground itineraries online. Build out your perfect trip by booking hotels and lodging where you need it, excursions when you want to get off the grid and transportation by ship, train, riverboat, camel, horse or jeep to get you to the next stage of your trip. Global Basecamps…exploration made easy.
	Volcanoes Safaris With unrivaled expertise and knowledge of mountain gorilla safaris, Volcanoes Safaris is the No. 1 gorilla safari company in the world.
	My Serengeti Safari A boutique Safari company in East Africa who has partnered with Airtreks to offer our mutual customers the best value in Safari travel in Tanzania. Packages include Serengeti, Ngorongoro Crater, Lake Manyara, Masai Mara and Kilimanjaro. Click here or call 1-888-50-SIMBA to request your free customized Safari proposal.
	GeoPassage Let GeoPassage take you on the journey of a lifetime! Plan and create the vacation of your dreams, whether you select one of our unique package tours, or create a custom itinerary with one of our expert travel consultants. Share your travel experiences with our growing community of worldwide travelers in the GeoBlog and Forum, or simply research destinations across the globe. We invite you to explore the world - on your own terms, at your own pace, creating your own path. Welcome to the world of GeoPassage!
	Canadian Himalayan Expeditions Canadian Himalayan Expeditions Ltd. has been organizing everything from complex mountain climbing trips to the simplest hikes for over 20 years. Whether you want to trek to Everest or Annapurna Base Camp, drive the Silk Road in Ladakh, or climb Kilimanjaro, we’re the experts who do it right!

	Insurance You don't want to think that anything will go wrong while on the road, but being prepared can make those unpleasant situations more bearable. We have selected from some of the best insurance products for your AirTrek.
	AirTreks Travel Gift Certificates Give the gift of travel with a Gift Certificate good for Around the World Airfare with AirTreks. Place your order now.
	Travel Services Need help with your Passport and Visa’s, Rail Passes or getting your gear there? Then this is the place for you. Our service providers will be able to help with your travel needs.
	Communications From Cell Phones and Calling Cards to Online Journals, you can easily stay in touch while on the road. We have selected some great partners that will give you all the communications tools for your travels.
	Gear, Guides, and Maps Having the right gear can make your trip a pleasure and having the information you need will make your travels a snap. AirTreks has selected some of the best providers for you. Make your trip easier with our selection of Gear, Guides and Maps.

GETTING STARTED

Take the first steps to your journey. AirTreks is here to help you every step of the way.

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PLANNING YOUR TRIP

Figuring out all the things that you need to know and do before you depart can be overwhelming, but our planning guides will help make your journey easier.

Start planning your trip now.

AirTreks named one of Travel and Leisure Magazine's “25 Travel Web Sites You Should Know About.”

AIR FARE

2008-08-26T05:04:00.000-07:00

Beijing is an elegant and graceful city, bustling with life and rich in tradition. The Chinese capital offers the visitor some of the world's best-known and most breathtaking historical sites, such as The Forbidden City and The Great Wall of China, but at the same time, caters to international taste. More About the City

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2008-08-26T04:55:00.000-07:00

In Home & Garden
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Landscaping Design

2008-07-31T09:04:00.000-07:00

Landscaping Design

Landscaping design holds many possibilities. It can be quite a feat to mix and match the various types of elements to create the perfect design. There are some excellent tips you can follow for do it yourself landscaping design. Following these tips will make the job easier, less expensive, and you can avoid mistakes.

One of the key factors of a successful landscaping design in the element of unity. All of the materials you use in the design need to come together. Consistency is very important if you are creating any type of pattern. Creating a theme is a great way to ensure unity. Keeping the landscaping design simple will also help the unity flow with ease.

Balance is also another important factor for quality landscaping design. Symmetrical design involves both sides of the garden being a complete reflection of the other. This is much easier to achieve then asymmetrical designs. If your attempt at an asymmetrical design doesn’t work, your landscaping will not flow well or be appealing visually.

Color is an important element of landscaping design. With so many great plants, trees, and flowers to choose from, you should be able to come up with a combination that is very pleasing. Bright colors are an easy way to make your landscaping area seem larger. One of the most difficult parts of landscaping design is getting the different elements to flow well. Colors can help this transition take place easier. You don’t want the eye to see an abrupt change but a subtle one.

Landscaping design is a very fun way to fix your area up any way you want. However, it is important to take all of these factors into consideration so that your landscaping design will be eye appealing rather than overwhelming. If possible, use landscaping software to see how your idea is going to look prior to committing to anything. This type of software allows you to make changes on the computer rather than once you have completed your landscaping and realize something just isn’t working.

VISIT moneywealthinfo.blogspot.com

HOW TO BUILD A RETAINING WALL

2008-07-31T08:48:00.000-07:00

HOW TO BUILD A RETAINING WALL

Retaining walls are a common need. Many properties have sloping or uneven yards. Those frequent issues can create a practical need for retaining wall construction. They also provide opportunities to use retaining walls as an aesthetic landscaping effort.

There are many types of retaining walls. Every situation is different, and the unique contours of the property in question and one’s personal needs will dictate the best possible style and construction in each case.

One popular retaining wall plan is wood-based and can be a perfect choice for smaller needs. A wooden retaining wall may not be suited if one needs a particularly tall wall, the method we’ll discuss is best suited for walls less than three feet in height. Additionally, it may not be a preferred solution for those who want to “do it and forget it” indefinitely because even treated lumber has functional lifespan far shorter than stone or concrete alternatives. In many situations, however, this wooden system will meet one’s needs splendidly.

The first step in building a retaining wall involves creating the “cut.” This refers to the ditch-like outline that will serve as a roadmap for building the wall itself. One can use a shovel to create the cut.

After determining the desired height for the wall, one should cut 4” x 4” posts to the desired length. When cutting the posts, it is important to remember to consider the depth at which they will be planted into the ground. Sufficient depth is necessary to provide stability for the wall. Optimal depths will vary based upon the height of the retaining wall and the nature of the property. Often, building codes will dictate the necessary planting depth.

Following the cut, one then digs the holes for the posts for the wall. Support posts will be placed along the cut in 4’ intervals. After the holes are ready, the posts are placed within them and concrete is poured around them until the area is filled to the surface level. It is important to make sure the posts are “true” and that they run straight. Crooked posts can affect both the appearance and durability of the retaining wall.

After the concrete is poured and leveled, one should allow it to sit, undisturbed, for several days. This allows the concrete to “cure” and produces a durable, rigid framework for the retaining wall.

Once the concrete is cured, one fastens boards to the outside of the post frame. Often, retaining wall builders rely upon 2” x 6” or 2” x 12” boards for this purpose. It is important to make sure the boards are cut in lengths that correspond to the framework formed by the 4” x 4” posts. The boards should be bolted to the posts using large carriage bolts small bolts or nails are inadequate for the job.

At this point, the wall itself is built. However, there is more work to do. One should dig out a series of small tunnels under the wall. These will serve as drainage ports and should be filled with small rocks or gravel. The area behind the wall should then be filled. One should begin by filling the cut with at least 6” of small rocks or gravel before adding fill dirt and soil to level off the construction.

This simple retaining wall plan will work wonderfully for smaller jobs. If you need a larger retaining wall, however, you may want to consider stone or concrete alternatives. The earth behind a retaining wall does exert a great deal of pressure, and larger walls necessitate the sturdiest possible construction.

There are many reasons to consider building a retaining wall. It may be a matter of necessity, or it could be an attractive means of implementing a planting or landscaping plan. In any case, the process doesn’t need to be difficult. Building a wooden retaining wall will require some effort, but the process is not complicated and shouldn’t be overwhelming to most property owners.

visit moneywealthinfo@blogspot.com

LANDSCAPING THE EASY WAY

2008-07-31T08:20:00.000-07:00

"The definition of insanity is doing the same thing
over and over and expecting different results."

Albert Einstein

Retaining Walls

Retaining walls can help turn "ordinary" landscaping into amazing works of art. And surprisingly, retaining walls are easy to build. All you need is the right knowledge and tips to get you going in the right direction.

In this retaining wall section of landscaping ideas online, you will find everything you need to know about retaining walls.

You can find retaining wall pictures as well as informative articles on how to build a retaining wall. If you can't find the pictures you want in the main section, you can try our other retaining wall picture gallery.

Also, we'll discuss the various types of retaining walls available to you, and which brand names you may want to consider. Before you get started, read this article full of tips on retaining walls. You can find contactors for your landscaping project as well.

Retaining Walls - Tips For A Great Retaining Wall

There are many situations where homes require retaining walls. That does not mean walls to retain the kids, or your wife or husband, when you want some peace and quiet! The term here applies to walls to retain your garden or backyard!

Many homes have been built on sloped ground, and while the home itself is level, the gardens or yards have been left on the sloped ground. In this situation many owners prefer to have the slope levelled off into sections to provide, for example, flat play areas for the kids, barbecue areas and flat flower and vegetable beds, with steps leading down to each area. If the garden is large enough, even a pool may be required, and a sloped pool is ‘against the laws of physics’, as Mr. Spock would say.

This is done using retaining walls. Retaining walls have to be able not only to hold the weight of earth behind and above them, but also to allow drainage in the event of a storm. The home-owner, on the other hand, wants retaining walls to look good; to fit in with the landscape design of the garden. So what basics are required in retaining walls to ensure that they are safe, before the aesthetics you may be looking for should be considered?

Strength for a start. That’s a no brainer. Retaining walls must be built on a proper concrete foundation, or they will be eventually swept away as the earth below softens as it rains. If there is not a concrete footing, the wall might sink or be simply swept away – it is on a slope - remember? Also, wet soil is very heavy, and exerts pressure against the wall. If there is nothing to relieve that pressure, the wall could fail. Drainage pipes within the retaining walls to allow water and soil slurry to escape and relieve some of that pressure.

The drainage pipe should be running from an area of small stones that filter the water from the slurry, or the drainage pipes themselves would be blocked. A diameter of 3 – 4 inches round the exit pipe should comprise small pebbles. The drainage pipes should be connected to the domestic drains to facilitate removal of the water rather than pass it to the next step, and so compound the problem with the other retaining walls.

Materials of construction used for retaining walls are also very important. Many are made from heavy timber planks, bricks and even concrete. However, consensus is that segmented retaining wall systems (SRW) are the safest. This is generally the professionals’ choice, though your decision will be based on the height of the retaining walls involved and how high your retained steps are.

If they are a foot or two, then any material would do, and you hardly need a foundation. Some means of allowing water run-off would be useful, but otherwise any construction will do. Above that height and you are advised to use a good foundation, an SWR system or poured concrete and draining pipes running to a drainage system rather than straight through the retaining walls.

Bearing in mind that retaining walls can be several feet high, the correct construction must be used. Would you be happy having your child stand beneath a wall retaining tons of mud and earth just after a heavy thunderstorm, when young children like to run out and look at all the water? Retaining walls must be constructed correctly and by professionals.

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URBAN ENVIRONMENTAL SUSTAINABILITY: A CHALLENGE TO EFFECTIVE LANDSCAPING IN NIGERIA

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Landscaping Design

Landscaping Design

HOW TO BUILD A RETAINING WALL

HOW TO BUILD A RETAINING WALL

LANDSCAPING THE EASY WAY

Retaining Walls

Retaining Walls - Tips For A Great Retaining Wall

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