Friday, July 22, 2005

The end of ultra-easy mortgage money

Two weeks ago the interest rate on one-year adjustable rate mortgages broke the ceiling of the fluctuation band it had been in for the last two-and-a-half years. In September 2002 the one-year ARM rate fell below 4.3%, eventually falling as low as 3.36% in March 2004. It began rising sharply after that and occasionally bounced against that 4.3% ceiling as in November 2004 and steadily since March 2005, even peeking through it once in late March before settling into the band again.

This little historical review is context for the dramatic rise in rates on one-year ARMs this summer. The week of July 7 they peeked through the ceiling again, averaging 4.33% nationally. Yet unlike in March, rates didn't fall back again but only kept rising. The week of July 14 rates were 4.39%, and yesterday Freddie Mac reported that last week one-year ARM rates averaged 4.42%. This is 18 basis points higher than just three weeks ago and the highest they have been since August 2002.

The use of ARMs to buy newly-built homes has come off its 2004 boil. Last summer and fall, nearly half of all buyers of newly-built homes were using ARMs; in April and May that figure was down to a third. Thus news that June housing starts were flat should be more common in the months to come.

These interest rate hikes should hit ARM-dependent markets in particular -- and that means California. Sales in the Bay Area are dramatically lower today than this time last year even though prices are still soaring, and the average monthly mortgage payment for a home-buyer is up 8.2% y-o-y. I think we can be certain average monthly income hasn't risen as much. In Southern California, the number of sales is still rising (although San Diego is an outlier, with annual sales -8.8%) and the average monthly mortgage payment up 4.8%.

San Diego and the Bay Area seem the most vulnerable as we start closing out the era of ultra-easy mortgage money.

528 Comments:

At 11:33 AM, Blogger CalculatedRisk said...

The MBA reported 28% of mortgages were ARMs last week. As you point out this is way off from the "boil" of 2004, but I don't understand why anyone would use an ARM today (with the small spread between the ARM starter rate and a fixed rate loan). So I think this is evidence of speculation / desperation to buy.

Best Regards!

 
At 11:36 AM, Blogger calmo said...

So the Fed is happy that the 25bp increases have finally had some effect; that atleast in San Diego, house prices are falling from their crest; that the story will spread to other areas and inflation, real inflation as illustrated by house prices, is getting under control.
And some real estate folks are not so happy.

Maybe. This scenario has been played before and yet the house prices reassert themselves (driving the bears back to the next hill).
But the spread between the prime and the 10yr bonds is not, (so far), collapsing as some feared it might.
As soon as it becomes apparent that house prices can't tolerate this higher 10yr rate, [mortgage volumes fall] I would expect not just a pause in the prime rate increases but some retracing. [Or a collapse in those 10yr rates.]
Much is made of finding this elusive "Natural rate" that is neither loose nor tight based on the official inflation rate and other artifices.
But the sailors know better: the only thing worth watching is the housing model. Should she leave the stage, there will be some mighty unhappy customers.
So "the accommodation" that the Fed never tires of telling us about is about letting the housing market go [as the sailors say].

 
At 11:37 AM, Anonymous Anonymous said...

Depends on the ARM and the length of time the buyer expects to be in the house.

If you are expecting to be in the house for 5 years, a 5 or 7 year ARM might be a cheaper financing vehicle (provding that you make principle payments equal to those on a 30-year fixed).

It all depends on the buyer's financial analysis and use of the loans. Are there any stats on the "paydown" rate of various ARM's?

I'd expect it to be quite low, but guessing isn't the same as having the numbers.

 
At 12:18 PM, Blogger Elaine Supkis said...

You never know when you have to unload a house.

It is spectacularily hard to unload in a bad market, at any price.

 
At 12:29 AM, Anonymous Anonymous said...

We should be prepared for the possibility that the end of ultra-easy mortgage money will come more in the form of stricter lending standards than as higher rates. A glut of supply at prices beyond the means of any but a small minority at current rates may be quite sufficient to start prices sliding downwards. Once they start to slide and foreclosures and bankruptcies begin to generate ugly losses for lenders who have tolerated large loan-to-value ratios, they will increasingly demand (perhaps be forced to demand) larger down payments. Once that happens, the market will seize up even if interest rates fall well below today's levels. And if prices have fallen and a homeowner is upside down on their existing mortgage, there's no way they can swing a move-up buy no matter how low rates and down payment standards are, if they don't have the cash to cover the deficiency. If lenders are demanding a 20% down payment to protect against further declines in prices, so much the worse.

jm

Japan mortgage rates

 
At 2:55 PM, Anonymous Anonymous said...

I suspect that many buyers in the more expensive state use a 80/10/10 option where 80% is financed either thru a 30 yr fixed or 3-7 yr ARM, 10% thru a 1 yr ARM and 10% down (at least first time buyers). The run up in 1 year rates will affect first time home buyers and recent first time home buyers (who need to refinance there 10% every year) first; but this may not be a very big effect.

 
At 10:25 PM, Anonymous JohnHar said...

I just don't get it.

How are Americans going to pay the mortgages at 33%-50% of their incomes on bubble-level mortgage amounts if the labor/wage situation doesn't improve? And how can that happen unless we export more? If they can't pay their mortgages, and savings is so low, how can we avoid systemic bank problems because of foreclosures?

How does the math to the "soft landing" work out in terms of timing and flow? Is the key to the soft landing scenario argument that a weakening dollar increases exports, then jobs, reduces the CAD, etc? The problem is there are no indications the US is getting more competitive, only less.

Have we gotten ourselves into an lose-lose scenario where a strong dollar risks wage stagnation and a continuing weakening of our manufacturing base due to lack of global competiveness, but a substantially weaker dollar leads to inflation, interest rate increases, a housing bubble burst, possible banking crises, etc.?

So I guess I just don't understand, how does the soft landing actually work?

 
At 11:22 PM, Anonymous Alexis said...

Yes, johnhar, talk on thes blogs is about numbers on paper & guesses not real life.
This country is in big trouble as a result of hot air false theories and models. If enough Americans don't demand key changes and I mean demand...

 
At 2:20 AM, Anonymous cm said...

alexis: I thought you didn't want to comment here any more ... not that you shouldn't ...
Just to point out that not everybody who doesn't operate a shovel or a forklift indeed "blows hot air" or shuffles paper ...

 
At 10:00 AM, Blogger calmo said...

cm knocks back at Alexis' hot air theories attack and defender of the shovel. [ok, and the self-molesting 'talk on the blogs' is not about real life.]
No question there is a lot of indefensible 'hot air' coming from the likes of Bernanke on down (I think there is a ceiling here where Bush and even Snow are discounted as banner wavers or marketers rather than informed sources for those looking for guidance. We are making the adjustment now with Bernanke who claims that wage increases are factors in the housing boom.) [We forklift operators see through this. Only the real estate developers/operators have a vested interest in the new Bernanke view, the hot air.]
johnhar summaries the honest feelings about this 'soft landing'. It is an unarticulated hope that we need in the face of growing deficits and an economy that desperately needs to be described as "growing".
So much for the hot air.
There is no market for opinions that are not positive. Marketing abhors a cool collected view in the same fashion that Nature abhors a vacuum.

 
At 3:37 PM, Blogger Mike said...

Thought you would like this. easy way to make money

 
At 8:19 PM, Blogger Mike said...

make money with affiliate program
is easy. make money with affiliate program

 
At 8:45 PM, Blogger lokokid said...

Hi i am totally blown away with the blogs people have created its so much fun to read alot of good info and you have also one of the best blogs !! Have some time check my link to !!Make money using the internet

 
At 9:55 PM, Blogger TS said...

Nice Blog!!!   I thought I'd tell you about a site that will let give you places where
you can make extra cash! I made over $800 last month. Not bad for not doing much. Just put in your
zip code and up will pop up a list of places that are available. I live in a small area and found quite
a few. MAKE MONEY NOW

 
At 12:26 AM, Blogger Natwho said...

www.nwcleasing.com offers the lowest rate financing on poor credit What ever your financial situation, poor credit can help. We even have a special loan program that can put money in your pocket within 1 hour of applying. Apply online today and see just how quickly we can get you approved regardless of your past credit. Rates start as low as 4%, apply today.

 
At 1:23 AM, Blogger cash at home said...

Hello There, My name is Donald you have a great blog here! I'm definitely going to bookmark you! I have a easy way to make money fast
site. It pretty much covers easy way to make money fast
related stuff.

Come and check it out if you get time :-)

 
At 4:15 AM, Blogger Ray said...

I really love your blog!

I've bookmarked it and told my blogger freak friends about it. It's intelligent, sometimes funny and always refreshingly honest. Keep Up The Good Work!

For any of your readers who want to contribute to the Red Cross to aid the many families who have been devastated by Katrina, there is a link to the Red Cross here.

Ray

 
At 6:05 AM, Blogger TS said...

Nice Blog!!!   I thought I'd tell you about a site that will let give you places where
you can make extra cash! I made over $800 last month. Not bad for not doing much. Just put in your
zip code and up will pop up a list of places that are available. I live in a small area and found quite
a few. MAKE MONEY NOW

 
At 6:41 PM, Blogger payday loan said...

What? -the payday loan guy

 
At 7:41 AM, Blogger Frank said...

You have a great blog here.

I have a based business home own start site. It's about based business home own start related stuff.

Feel free to visit and let me know what you think :-)

 
At 4:33 PM, Anonymous Anonymous said...

home school in california
Information => home school in california

 
At 9:38 PM, Anonymous Anonymous said...

To do your marketing for your business you can link internet marketing proshop.com with the ebook at link internet marketing proshop.com Go and check it out.

 
At 5:58 AM, Blogger Audhra said...

Here's the fastest way to get a loan on the internet loan

 
At 6:43 AM, Blogger Get-A-Free-House said...

How would you like to own a custom-built house at a 42% to 100% discount? Find out how today by visiting Get-A-Free-House.com

 
At 10:23 PM, Blogger adsense_cash said...

what's up groovy fat cat.. wanna jazz with the beebop man..lol... cute blog. but wehwre's your adsense? didn't you hear they make money fast online and make money fast online

 
At 10:58 PM, Blogger David said...

For All Your Home Loan Needs Visit Our New home loan Site

 
At 4:41 AM, Blogger Jack Naka said...

Your blog is excellent - keep it up! Don't miss visiting this site about fashion. It pretty much covers fashion related stuff.

 
At 6:34 AM, Blogger Work at home mom said...

I really like your site! Good work!

debt settlement

 
At 9:52 PM, Blogger credit6sec said...

Hey, you have an interesting blog here! I'm definitely going to visit often!
I have a mortgage refinance information site. It pretty much covers mortgage refinance information related stuff.
check it out if you get time :-)

 
At 2:01 AM, Blogger Mommies make money said...

Great site you have here!

home loands

 
At 5:24 AM, Blogger heropoo said...

Hi, I was just blog surfing and found you! If you are interested, go see my home equity loan lowest rate related site. It pretty much covers home equity loan lowest rate stuff. I guess you may find something of interest.

 
At 2:29 PM, Blogger hexadecimals resources said...

I found a good settlement loan site. I am looking into it myself.

 
At 9:57 AM, Blogger luckpoo said...

I've stumbled across your blog when I done some make easy money online research in Google. You're doing a pretty nice job
here, keep up the good work! check out make easy money online

 
At 2:58 PM, Blogger jobs123 said...

Nice blog, keep up the good work!
I have a blog/site toocalifornia goldmedalmortgage.netfirms.com refinance refinance refinancing
It's a free information site on on home equity loans and refinancing. It can help you save money if you are in the market for a loan.
You should check it out if you have the time :-)

 
At 12:58 PM, Anonymous Anonymous said...

I found you while surfing for extra money blogs. I like it, good content. Consider this an invitation for you to visit me for a FREE extra money web portal.

Online success,

Hilda Johnson-Slaton
Risk-Free Money Auto Income Generator
www.riskfreemoney.biz

 
At 5:45 PM, Anonymous Anonymous said...

This is the kind of site I've been looking for. Definitely bookmarkable! If you get a chance, can you check out florida mortgage . I'm fairly new to building websites, and would value any opinions
on my florida mortgage site.

 
At 11:40 PM, Anonymous Anonymous said...

This has got to be one of the top 10 blogs on here. I am adding it as I type. I have a site that pretty much coversmake money online and work from home related stuff. Check it out if you get a chance

 
At 6:12 PM, Blogger 444555 said...

Thanks for allowing me to comment. Please feel free to visit me and do the same if you are interested in home school information

 
At 7:52 PM, Blogger Online Incomes said...

Hi I was just blog surfing and I found You! nice blog!
I have a equity home loan utah site/blog
It's a free information site on home equity loans and financeing
You should check it out if you get chance :-)

 
At 8:51 PM, Anonymous Anonymous said...

So this is where all the mortgage table information is, I thought I did a good job on my site, but I am humbled. Maybe someone can take a look at my site at mortgage table and tell me where I can improve.
Very nice site!!

 
At 8:57 PM, Anonymous Anonymous said...

So this is where all the mortgage table information is, I thought I did a good job on my site, but I am humbled. Maybe someone can take a look at my site at mortgage table and tell me where I can improve.
Very nice site!!

 
At 11:09 PM, Blogger Swingin80 said...

Cool blog you have. I have a from home home successforfreedom.com work work related site. Check it out if you get a chance. The URL is from home home successforfreedom.com work work

 
At 11:58 PM, Blogger blaze said...

Great info about adsense google php I have a lage interest also and have a site about adsense google php please feel free to check it out.

 
At 1:02 PM, Anonymous Anonymous said...

Great blog. This is useful information.money
Really great to get to the heart of this stuff money

 
At 5:51 PM, Anonymous Anonymous said...

Great site folks, been looking for this kind of information. I have a related bad credit delaware mortgage site also. You may want to take a look some time. bad credit delaware mortgage I'll definitely be back.

 
At 6:20 PM, Anonymous Anonymous said...

Hi, I came across a blog pretty similar to yours earlier today. I also have one that pretty much talks about home based work related stuff. You should check it out sometime.

 
At 11:20 PM, Blogger St Louis Cardinals BUFF said...

So many blogs and only 10 numbers to rate them. I'll have to give you a 8 because you have good content.

Free Access To More Information Aboutprinciples of managerial finance

 
At 12:58 AM, Blogger doer said...

Hello, just visited your blog, it's informative. I also have a website related togoogle adsense software. So make sure you visit and hope it's useful.

 
At 1:19 AM, Blogger nope said...

Hi,

I'm sorry for being intrusive in to your blog. But I am Melissa and I am a mother of two that is just trying to get out of an incredible financial debt. See my hubby is away in Iraq trying to protect this great country that we live in, and I am at home with our two kids telling bill collectors please be patiant. When my husband returns from war we will beable to catch up on our payments. We have already had are 2001 Ford repossessed from the bank, and are now down to a 83 buick that is rusted from front to back and the heater don't work, and tire tax is due in November.

I'm not asking for your pitty because we got our ownselfs into this mess but we would love you and thank you in our prayers if you would just keep this link on your blog for others to view.

God Bless You.

Melissa K. W.
To see my family view this page. My Family


Windows registry scanner - scans your Windows registry for errors and suggests solutions.

Paid surveys - Work at home, Get Paid For Your Opinion, paid surveys and online focus groups.

Combine AdWords and ClickBank for Huge Online Profits Words Great With Blogs

 
At 2:40 AM, Anonymous Anonymous said...

Wow, I really like this one. I have a website that talks mostly about make money from home now You should check it out sometime.

 
At 7:44 AM, Blogger mac said...

Just passing thru and I think you have a great blog here! I'm definitely going to put you in my favorites!

I have a affiliate marketing system site/blog. It pretty much covers affiliate marketing systemrelated stuff.

Come and check it out when you have the time and keep up the great work on your site :-)

 
At 11:37 AM, Anonymous Anonymous said...

Good Blog
Please visit

Advanced Business Marketing

and leave a comment.

 
At 1:59 PM, Anonymous Anonymous said...

I discuss this topic daily myself. I also have a website that talks about juice make money xango related things. Go check it out if you get a chance.

 
At 2:04 PM, Blogger The Real Estate Answer Man said...

Investors.........Find Out What The Real Estate "GURUS" Either Don't Know Or Aren't Telling You

Click Here For More Information


Non Owner Occupied

 
At 6:33 PM, Blogger The Real Estate Answer Man said...

Real Estate investors........ Are You Sick Of The "UGLY HOUSE", "Fix And Flip" Or Rental Property Game And All Of The Headaches That Come With It?

Click Here For More
Information


dave del dotto

 
At 4:13 AM, Blogger Smartie said...

I love your information on Easy Money I bookmarked your blog and will be back soon. If you want, check out my blog on Easy Money Exposed - please come by

 
At 9:16 AM, Anonymous Anonymous said...

Hey, you have a great blog here! I'm definitely going to bookmark you!

I have a affiliate marketing course site/blog. It pretty much covers affiliate marketing course related stuff.

Come and check it out if you get time :-)

 
At 12:11 PM, Anonymous Anonymous said...

Earn $1000s From Home!
Get listings of 300+
Work at Home companies!
Assemble products, take surveys,data entry, +more!
Paypal $25 to (telecoms24-workathome@yahoo.com) for Report or email for more info.

 
At 5:52 PM, Blogger The Answer Man said...

Find Out What The Real Estate Investment "GURUS" Either Don't Know Or Aren't Telling You

Click Here For More
Information



carleton h. sheets

 
At 10:59 PM, Anonymous Anonymous said...

Nice site i came here searching for network marketing affiliate program and was looking for other people who are interested in network marketing affiliate program
You might be interested in network marketing affiliate program

 
At 11:16 PM, Blogger FXGUY said...

Does anyone really care what you have to say. Well...yes, I do. I enjoyed my brief visit. If you have an interest in allis chalmers forklift you might be interested in paying a visit to my allis chalmers forkliftsite. In the meantime, keep up the good blogging.

 
At 1:58 AM, Anonymous Anonymous said...

Found you radom Blogging. Blog On.
See The Top Ten For yourself

 
At 3:50 AM, Blogger The Answer Man said...

Learn How The SMART Real Estate Investors Get RICH....And Its' NOT With Rentals, Forclosures Or The "Fix And Flip" Game.....

Click Here For More
Information


foreclosurelistings.com

 
At 4:12 AM, Blogger Askinstoo said...

Nice Blog!!!   I thought I'd tell you about a site that will let give you places where
you can make extra cash! I made over $800 last month. Not bad for not doing much. Just put in your
zip code and up will pop up a list of places that are available. I live in a small area and found quite
a few. MAKE MONEY NOW

 
At 9:01 AM, Anonymous Anonymous said...

Hey came across your site looking for other travel affiliate program related sites, and yours came up. Not bad ranking for the terms "travel affiliate program" anyway i invite you all since im here to join my new forum! Start posting today! Makecash.org

 
At 1:02 PM, Anonymous Anonymous said...

Came here searching for in loan personal uk cause i need a in loan personal uk

Best ive found so far is

in loan personal uk

Nice blog on loans in the UK good for in loan personal uk

 
At 1:44 PM, Anonymous Anonymous said...

Wow, I really like this one. I have a website that talks mostly about central.net ebook from internet make make money money You should check it out sometime.

 
At 2:32 PM, Blogger GS said...

Hey..I found a company that pays you to shop at Wal-Mart or McDonalds. The site incudes topics like a free mystery shopper
Check it out. free mystery shopper

 
At 3:05 PM, Blogger Marco said...

Wow....I really like this post. va loan refinance talks mostly about income locator opportunity.
You should check it out sometime.

 
At 4:49 PM, Anonymous Anonymous said...

Hey i noticed your site is about united kingdom travel to london i found somewhere if your in the UK that allows you to send spoofed sms!

send a TXT "EN SPOOFING 07712345678 Hi i really fancy you" to 69911, Hi i
really fancy you is sent to 07712345678 and the user gets a standard reply.

Changing 07712345678 with the number you want to send too!

The SMS Costs £1.50 per msg but its really good!

I hope you enjoy this :) i did so pass on the word!

Remember its UK Only

 
At 6:49 PM, Anonymous Anonymous said...

Hey i got here searching for dating affiliate program
Your sites not too bad!

You got good rankings for them keywords dating affiliate program

Check out my site
dating affiliate program

 
At 7:10 PM, Anonymous Anonymous said...

Came here searching for consolidation debt loan online uk cause i need a consolidation debt loan online uk

Best ive found so far is

consolidation debt loan online uk

Nice blog on loans in the UK good for consolidation debt loan online uk

 
At 7:52 PM, Blogger blaze said...

I very muck enjoyed your online turnkey business opportunity site. I also have a great interest in online turnkey business opportunity and have set up a site. Please feel free to check it out and let me know what you think

 
At 8:05 PM, Anonymous Anonymous said...

affiliate card credit program is great

i found here searching for the word affiliate card credit program and your site was listed high on the word affiliate card credit program
GOOD JOB

affiliate card credit program

 
At 12:23 AM, Blogger Adult Personals said...

hey i got here searching for quick easy payday loan

You have such a high ranking for that
Top 3 for quick easy payday loan

quick easy payday loan

 
At 5:27 AM, Anonymous Anonymous said...

Hi,

I want to tell you something about making money.

Today I decided that enough is enough. I wanted to get past the scams. Not only for myself, but for anyone who is like me.

Can you make money on the Internet....... Yes, but it won't be easy.
If I say make money I mean enough money to live a comfortable life, I don't mean millions. It is true that people make millions on the internet but do you think after reading one eBook you can too? I'm sorry but that is not going to happen.

If you think my site will show you how to make a million in one month, sorry I can't help you there. If you think ANY web site can show you how to make a million in one month, believe me it's better to take your money to a casino. You WILL have better luck there.

I will tell you what my site is about. My site is about making money together.
I it is easier to make money with a group of people than to do it on your own.
Why? Because you can't know everything. Imagine a group of 100 people with knowledge of the Internet helping you to make money on Internet! Don't you think you have a better chance of making money? If you decide not too join, you will miss out on the best opportunity you had for a long time and for a long time to come.

If you are interested please visit:
http://www.mdb-marketing.com

Let me know what you think about this idea.

Regards,

Michel
PS I hope you don't mind me posting a comment on your Blog.
I want to go past all those scams!

 
At 5:59 AM, Anonymous Anonymous said...

Yo, This blog is pretty neat. You should check out mine sometime. It pretty much covers work from home mlm business opportunity related stuff.

 
At 12:36 PM, Blogger The Real Estate Answer Man said...

This Is The Way SMART Real Estate Investors Make Their Money..... And It's NOT With "UGLY HOUSE" Rhabs Or Foreclosues And Short Sales

Click Here For More
Information


dave del dotto

 
At 2:13 PM, Blogger Johnjon said...

I discuss this topic daily myself. I also have a website that talks about web hosting affiliate related things. Go check it out if you get a chance.

 
At 2:20 PM, Anonymous Anonymous said...

I just bookmarked your blog. I will try to post often.

Do you think gas pricing is ever going to go down? I founds some gas saving tips at surfing background


Keep in touch :)

 
At 5:24 PM, Anonymous Anonymous said...

You are truly blessed to be a blessing!
I just picked up another learn internet marketing technique to use from the posted on your blog. I can wait to get more learn internet marketing techniques.
You are truly a blessing in more ways than you can imagine.

 
At 7:42 PM, Blogger Dr. X said...

Great job! Another decent payday loan site to add to my list! Hope you don't mind I leave mine here,
payday loans

 
At 7:57 PM, Blogger Adult Personals said...

Hey i got here searching for internet marketing affiliate program
Your sites not too bad!

You got good rankings for them keywords internet marketing affiliate program

Check out my site
internet marketing affiliate program

 
At 8:12 PM, Anonymous Anonymous said...

Run your own subscription web site automatically with the Membership Site Manager software tool. Resale rights are also available. Click here: paying customers.

 
At 5:32 AM, Blogger Funclub said...

This blogstuff is great just looking around yours I have one too debt free software I have a website dedicated to gettin people out of debt all free info debt free software

 
At 1:40 AM, Anonymous Anonymous said...

Hey, you have a great blog here! I'm definitely going to bookmark you!

I have a **Make Big Money**blog. It pretty much covers Make Big Money articles related stuff.

Come and check it out if you get time :-)

 
At 10:13 AM, Anonymous Anonymous said...

Great information on your blog!

Are you interested in affiliate internet make money online program? If so, I have a affiliate internet make money online program site.

Feel free to drop by and tell me what you think.

 
At 2:16 PM, Anonymous Anonymous said...

Nice blog.. I'll come back and check it out... As we all like making money i thought i'd tell you about Studiotraffic its the best autosurf around. Over 12 million dollars been paid in so far and people are now earning $8000 per month. No bull check out the forum and sign up today.


Another great site to check out isPaid Response its got to be the second best autosurf around.. Everyone gets paid check out the forum. Thanx for listening.. And i hope you make lots of money..

 
At 2:53 PM, Anonymous Anonymous said...

Great site about small business web development Keep up the good work! website design bathurst

 
At 11:55 PM, Blogger Azhar Hussein said...

Hi :)

You have a great blog! I'll be sure to bookmark it and visit regularly, keep up the great work!

Please visit my site if you get some time: make money fast

 
At 2:58 AM, Anonymous Anonymous said...

Very cool blog you got! I just added you to my bookmarks!

I have a great article resource you might want to check out.

 
At 3:13 PM, Blogger hassan said...

Hi :)

You have a great blog! I'll make sure to bookmark it and visit regularly. Keep up the great work!

Please visit my site if you get some time: Resell Rights eBooks

 
At 3:51 AM, Blogger Charlie said...

Hi,
Do think you could get a banker's desire to force money into your laps?

nyc dept of finance enligtens about nyc dept of finance

 
At 6:05 AM, Blogger Proper Ways said...

Are you wondering why some people (like myself) put comment that is sometime not related to your blog? It's simple... we just want to have a link posted in your blog so that our site will have a good place in search engine.

Please feel free to put comment in my blog as well to increase your blog popularity. But writing a comment one by one might take too long. You can grab the software like mine aswell to speed up the whole process.

I am limiting this offer for only 200 customers and the price is incredible low compared to other sellers.

Check out the Blog Linker Software Generator by clicking here

Regards,
Rezza
Owner of Properways
PS: I have ping your blog to search engines to improve you rangking in SE. This is my way of saying thank you.

 
At 7:44 AM, Anonymous Anonymous said...

After researching about bad credit education loan, I find your site have a good content that inspire me to add related bad credit education loan content at my bad credit education loan site. Thanks a million...

 
At 7:42 PM, Blogger blaze said...

I found your site on credit reporting quite useful. I also have a site about credit reporting that you may find useful also. Please feel free to check it out and let me know what you think

 
At 9:08 PM, Anonymous Anonymous said...

I love your site.

I can help people who plan to move to San Diego save $5,000 to $25,000 on the purchase of their next home by negotiating with the seller. california department of real estate california department of real estate

Come and check my website out if you get time :-)

 
At 12:35 AM, Blogger Hydralisk Den said...

Overdraft Protection
by: make big money

Almost everyone has at one point or another had
an insufficient check. Most banks charge $20 per
returned check, which if not careful with your account,
can quickly add up to a lot of money. If you have a
savings account, consider adding overdraft protection
onto your checking account so if you ever go into a
negative balance, the money would automatically be
covered by your savings. Most banks offer this service
free.

make big money

 
At 4:33 AM, Blogger Johnny said...

Hello, just visited your blog, it's geat. I also have a unsecured personal loan related blog with some useful articles about the topic. Hope that it is helpful to you.

 
At 6:40 AM, Blogger Clickbank Mall said...

Last week I told you about Google Site Targeting -
putting your AdWords ads on specific websites
instead of targeting by keyword, and how this
slices the world in a completely different way.

Now you can pay to have your ad shown, rather
than paying per click, and you can more easily
advertise products that people wouldn't necessarily
think to search for.

Google started out selling this space for $2.00
per thousand impressions ("CPM"). Then they
dropped it to $1.00.

On Monday they just dropped it again, to 25 cents.

(Now we're talking!)

This now puts those clicks in the ~5 cent neighborhood,
and in some cases less. It's a fun thing to play with.
But before you do, though, make sure you:

-Set a low daily budget so you don't make a big mistake

-Track conversion rates (Very important! Without
sales conversion, nothing else matters.)

-Delete sites with horrible Click Thru Rates - Hey, if
you're not getting any clicks, you shouldn't be paying
them for the impressions.

Want to increase the clicks on your adsense ads? Of course you do. This means more money in your pocket.
For FREE Information. That will for sure make you more money by the end of the week.

 
At 7:52 AM, Anonymous Anonymous said...

Wow, I really like this one. I have a website that talks mostly about online income tax return You should check it out sometime.

 
At 8:35 AM, Blogger Danny White said...

Nice blog! I have a free lead guitar lesson site I thought you and your visitors might like.

Click on free lead guitar lesson to check it out. free lead guitar lesson

 
At 12:50 PM, Anonymous Anonymous said...

Found yourr blog looking for ebooks
ebooks
Learn the secrets without paying for them

Free ebooks

 
At 2:05 PM, Anonymous Anonymous said...

I enjoyed your home savings blog. You might like this**free coupon** site also.

 
At 7:47 PM, Blogger Information Revealed said...

Live Within your Means
by: make more money

The quickest way to get in debt is to live beyond your
means. Sure, most people want more than they have but
life is not all about spending money. Be thankful for
what you do have and learn how to enjoy the financial
position you are in. This is where your budget will
help identify the amount of money coming in against
the amount of debt going out.

make more money

 
At 11:02 PM, Blogger Shia Source said...

Hi :)

You have a great blog! Keep up the good work! I'll be sure to visit regularly.

Please visit my site if you get some time: Shia

 
At 11:11 PM, Blogger instant41 said...

An excellent blog on add business home link. Please have a look at add business home link

 
At 2:17 AM, Blogger De Post Man said...

Informative post. Take a look at my credit site ( http://mortgage.27days27gurus.com/ ) f you can. Thanks consumer credit

 
At 5:25 AM, Blogger Protoss said...

Live Within your Means
by: ways for kid to make money

The quickest way to get in debt is to live beyond your
means. Sure, most people want more than they have but
life is not all about spending money. Be thankful for
what you do have and learn how to enjoy the financial
position you are in. This is where your budget will
help identify the amount of money coming in against
the amount of debt going out.

ways for kid to make money

 
At 2:05 PM, Anonymous Anonymous said...

This blog is awesome! If you get a chance you may want to visit this ebook website site, it's pretty awesome too!

 
At 5:48 PM, Anonymous Anonymous said...

Hey i got here searching for earn cash make money online
Your sites not too bad!

You got good rankings for them keywords earn cash make money online

Check out my site
earn cash make money online

 
At 5:59 PM, Blogger GoRichJerk said...

I just came across your blog about **keyword** and wanted to drop you a note telling you this is a great blog. I also have a web site & blog about Internet Marketing called GoRichJerk, so I know what I'm talking about when I say your site is top-notch! Keep up the great work, you are providing a great resource on the Internet here! GoRichJerk is well worth the visit. Check it out.

 
At 8:00 PM, Blogger George said...

Do you always seem to have just too much to do and too little time to do it? Then you need photo .photo

 
At 8:05 PM, Anonymous Anonymous said...

Hey, you have a great blog here! I'm definitely going to bookmark you!
I have found free ebooks site/blog. It pretty much covers free ebooks related stuff.
go and get your free ebooks :-)

 
At 9:10 PM, Blogger Information Revealed said...

Life Satisfaction
by: make money online

Learn how to enjoy life and nature rather than possessions.
The next time you feel like spending money, head to your
local park where you can enjoy the warm sun, green grass,
and towering trees without spending a dime. Being happy
in life is far better than buying item after item. Having
an inner peace is better than having a house filled with
“things.” That does not mean you cannot enjoy some of the
finer things in life it just means learning how to be happy
with yourself and not “things.”

make money online

 
At 10:05 PM, Anonymous Anonymous said...

Yo, This blog is pretty neat. You should check out mine sometime. It pretty much covers email marketing toronto related stuff.

 
At 10:12 PM, Blogger ComSat Station said...

Learn the Virtues of Perseverance
by: new jersey debt consolidation loan

To succeed, you need to have dreams
and aspirations. Be honest with
yourself as to what you want out of
life and what you want to give of
your life. Allow your mind to dream
and think big.

To reach success, you have to persevere.
Even Thomas Edison had to learn this.
When he was creating the incandescent
light bulb, it took him more than 10,000
times to get it right. Keep striving
even when it becomes challenging.

new jersey debt consolidation loan

 
At 11:06 PM, Blogger GoRichJerk said...

I just came across your blog about **keyword** and wanted to drop you a note telling you this is a great blog. I also have a web site & blog about Internet Marketing called Traffnic.com Review of The Rich Jerk, so I know what I'm talking about when I say your site is top-notch! Keep up the great work, you are providing a great resource on the Internet here! Traffnic.com Review of The Rich Jerk is well worth the visit. Check it out.

 
At 11:25 PM, Anonymous Anonymous said...

Hey, you have a great blog here! I'm definitely going to bookmark you!

I have a Loan site/blog. It pretty much covers Loans related information. We provide online applications, business, residential, we do all loans.

Come and check it out if you get time :-)

 
At 1:30 AM, Anonymous Anonymous said...

Very intersting student loan consolidation blog. You might like this student loan consolidation site helpfull : **LoanLearner.com**

 
At 5:37 AM, Blogger Phill said...

I just came across your blog about forex and wanted to drop you a
note telling you how impressed I was with the information you have posted here.
I have a forex site. It pretty much covers forex related stuff.
so I know what I'm talking about when I say your site is top-notch! Keep up the great work, you are providing a great resource
on the Internet here!

Thanks,
Phill

 
At 9:16 AM, Anonymous Anonymous said...

Great Blog! Ilike it.I have Free dating site for singlesTake a look if you have a minute. Thanks and have a good one!

 
At 9:27 AM, Anonymous Anonymous said...

Nice blog.. Just a quick note from me.. As we all like making money i thought i'd tell you about Studiotraffic its the best autosurf around. Over 12 million dollars been paid in so far and people are now earning over $8000 per month for watching 100 websites!!. Check out the forum and sign up today.

Another great site to check out is Paid Response its got to be the second best autosurf around.. Everyone gets paid check out the forum.

Also if your after a few programs for your website check out my mates Website Affiliate Programs some are on sale and the sites coming on strong.. Thanx for listening.. And i hope you make lots of money..

 
At 12:05 PM, Blogger info99 said...

An interesting small business software blog. I have a large small business software article website at small business software Perhaps you may get time to visit it.

 
At 1:05 PM, Blogger Suntyme said...

I just came across your blog about **keyword** and wanted to drop you a note telling you this is a great blog. I also have a web site & blog about Internet Marketing called

HREF="http://www.Traffnic.com">Traffnic.com Review of The Rich Jerk
, so I know what I'm talking about when I say your site is top-notch! Keep up the great work, you are providing a great resource

on the Internet here! Traffnic.com Review of The Rich Jerk is well worth the visit. Check it out.

 
At 3:39 PM, Anonymous Anonymous said...

I enjoyed reading your blog. There is a lot of useful information about seo blog in it. We offer Turnkey Websites and Reliable Hosting. We also provide a blogging service that will help your site get indexed fast and keep the search engines visiting your site. Click here for more information about seo blog.
Thank you
TWP Admin

 
At 6:45 PM, Anonymous Anonymous said...

Are Free hosting company Webhosting Accounts Really Free? - 5 Critical Things to Consider Before Choosing a Free hosting company Web By: Michael Turner Many free web hosting accounts are free to use, however they will cost you a...

 
At 8:28 PM, Anonymous Anonymous said...

Hey, you have a great blog here! I'm definitely going to bookmark you!
I have a info products site. It pretty much covers info selling related stuff.
Come and check it out if you get time :-)

 
At 8:50 PM, Blogger David said...

For All Your Home Loan Needs Visit Our New home equity lender Site

 
At 11:12 PM, Blogger Goji Juice said...

Hello all... are you pro-choice or pro-life? Why not Pro-Free-Life? Promote a healthy life and make big money with Himalayan Goji juice.

 
At 11:51 PM, Anonymous Anonymous said...

San Diego is having a Hot Rod Halloween on Sunday, October 30. If you love car insurance then you will want to be there! All kinds of car insurance will be in attendance. For more information go to car insurance
See Ya There!!

 
At 11:52 PM, Anonymous Anonymous said...

Cool blog.....great info.....I have a fha mortgage loan website that has lots of info about fha mortgage loan....check it out when you get a chance.

 
At 12:51 AM, Blogger freenanoipod said...

get a free digital camera at camera digital free

 
At 1:18 AM, Blogger David said...

Hey, you have a great blog here! I'm definitely going to bookmark you! I have a personal debt consolidation Site. It pretty much covers personal debt consolidation related stuff.

 
At 3:28 AM, Blogger Bob Bastian said...

I've stumbled across your blog when I done some internet
marketing research in Google. You're doing a pretty nice job
here, keep up the good work :-)

Sincerely,

Bob
Webmaster/Publisher
PrivateLabelPublishing.com

 
At 5:44 AM, Blogger ComSat Station said...

Recycle
by: easy ways for kid to make money

Try a different type of recycling that will save you
money. Have you ever received a nice gift that you
like from someone but will never use? Rather than
take it back to the store for an exchange, consider
keeping it to give as a gift to someone else. Another
way to recycle is to look around your home. There are
always things right in your home that can be used to
make nice gift baskets – things you never use. For
example, the next time you purchase shower gel where
you buy one and get one free, keep one for yourself
and set the other one aside for future gift giving.
You will find hundreds of ideas so be creative and
consider things you purchased but have never used.

easy ways for kid to make money

 
At 6:05 AM, Blogger Proper Ways said...

Are you wondering why some people (like myself) put comment that is sometime not related to your blog? It's simple... we just want to have a link posted in your blog so that our site will have a good place in search engine.

Please feel free to put comment in my blog as well to increase your blog popularity. But writing a comment one by one might take too long. You can grab the software like mine aswell to speed up the whole process.

I am limiting this offer for only 200 customers and the price is incredible low compared to other sellers.

Check out the Blog Linker Software Generator by clicking here

Regards,
Rezza
Owner of Properways

 
At 6:43 AM, Blogger Greg said...

This blog is great! If you get a chance you may want to visit this the basics
site, it's

pretty awesome, too!

 
At 6:48 AM, Blogger golfing-girls said...

what up kid? nice blog... kudos :)


are you from the US? cuz if so, check out what me and my friends found ..lol :-)
yahoo online dating

 
At 9:16 AM, Anonymous Anonymous said...

non profit debt consolidation will help you get out of debt forever! non profit debt consolidation non profit debt consolidation

 
At 12:18 PM, Anonymous Anonymous said...

Nice post. Check out my site if you can. personal loan online

 
At 12:24 PM, Anonymous Anonymous said...

Great Blog you have here! I am going to bookmark this one....

If your looking for **free traffic**

**auto-surf**
Check this one out :-)

 
At 12:30 PM, Anonymous Anonymous said...

Just was out looking for how to start a credit repair businessand your blog came up.
I haven't found anything about how to start a credit repair business so I'll add my own link.

 
At 5:47 PM, Anonymous Anonymous said...

This is a good post. I have a site about miami real estate please look at it if you can.

 
At 7:15 PM, Anonymous Anonymous said...

Your site is quite interesting - earn or make online money- Keep up the good work. My domain is earn or make online money. please check it out.

 
At 7:24 PM, Anonymous Anonymous said...

the best place to find free adult married personals in my opinion is free adult married personals

You can find lots of stuff free adult married personals related just click

free adult married personals

 
At 7:37 PM, Anonymous Anonymous said...

I have recently started reading blogs and came across your blog about work at home internet business and wanted to let you know that it must take time and dedication keeping a blog going. I have a website about work at home internet business and it keeps me really busy. Looking at all these blogs I think I may need to start my own blog one day. Keep up the good work. One day blogs may replace TV and newspapers for those of us who spend our time on the internet.

 
At 10:26 PM, Blogger Barbara Hofmeister said...

self image improvement is always fascinating for me. Thank you for your nice blog. If you want to visite mine self image improvement I would really appreciate that.
Thanks
Barbara

 
At 12:39 AM, Anonymous Anonymous said...

Great idea for mortgage leads . Have you triedthese mortgage letters?

 
At 12:46 AM, Blogger Protoss said...

Rebate Programs
by: make money on the net

When you shop, always keep your eyes open for rebate
programs. Although filling out the forms and clipping
the UPC codes from a box is a hassle, the money you save
is worth it. Some rebate items are not listed as offering
a rebate. Check out AsmartShop.com or Rebateplace.com to
see if any of your recent purchases offer a rebate.

make money on the net

 
At 12:51 AM, Anonymous Anonymous said...

Hey, you have a great blog here! I'm definitely going to bookmark you!

I have a linux web hosting site/blog. It pretty much covers linux web hosting related stuff.

Come and check it out if you get time :-)

 
At 1:04 AM, Anonymous Anonymous said...

Great Blog! A real pleasure to read! Do you know that Traffic Portals will really boost your conversion rates and generate exclusively yours leads? We offer VOIP webinars - Marketing Courses Using Web Conferences about Traffic Portals I also have a website that talks about various high profile topics such as Retirement and includes an eBusiness Directory. I also would like to tell all of you reading this terrific blog about Retirement that should you be in need of a terrific host for a serious eCommerce Website that www.Kiosk.ws is Awesome Hosting value! They have the best online support team for all of your technical questions and a 3 minute emergency pager too. Looking to start your own affiliate program? They have an excellent script for you! They give you $70,000 dollars worth of software to build just about any type of e-commerce website you need! Go check it out if you get a chance. You can make more money than you spend and Create Free Will for Yourself! Again, Great Blog! Thanks. The info on Retirement Sooner was very informative!

 
At 5:27 AM, Anonymous Anonymous said...

Nice blog.. Just a quick note from me As we all like making money i thought i'd tell you about Studiotraffic its the best autosurf around. Over 12 million dollars been paid in so far and people are now earning over $8000 per month for watching 100 websites!!. Check out the forum and sign up today.

Another great site to check out is Paid Response its got to be the second best autosurf around.. Everyone gets paid check out the forum.

Also if your after a few programs for your website check out my mates Website Affiliate Programs some are on sale and the sites coming on strong.. Thanx for listening.. And i hope you make lots of money..

 
At 8:34 AM, Blogger nbim said...

Hi, I was searching for info on work from home no fee and bumped into your site. Obviously, your site is not about work from home no fee, but I hope you wont mind me adding it to my favorites.

 
At 9:30 AM, Blogger Casino online said...

own online casino Welcome to own online casino resources' page. The simple pouring out of own online casino is apt to become tiresome to all save the lover and the beloved; but in reading Shakespeare's sonnets we are sensible of no such loss of gusto. own online casino own online casino

 
At 10:24 AM, Blogger RichGuy said...

heys, nice info. if i can gonna ask a link exchange as well : )
my blog's cool too, take a look at Rich Life Discovery, if you have a blog with nice info have a link exchange with me! alright, see you there! ; )

 
At 12:36 PM, Anonymous Anonymous said...

I just noticed your blog about credit equity fixed home line and wanted you to know how well you presented the information. Excellent job! I have a website about credit equity fixed home line so I know what I'm talking about when I say your information is top-notch. Keep up the great work - you're providing a real service to the Internet community.

 
At 1:03 PM, Blogger Seth said...

hey, nice blog here, mind if i do a link exchange with you?
my blog's nice too, it's about google adsense
stuffs, many more, even becoming rich wealthy exact instructions, something you can't miss!Trust me, you'll change your life in a matter of minutes : )
Can visit my blog about google adsense secrets, business opportunities, becoming rich, and much more, if you don't want to be rich dont ever click

 
At 3:26 PM, Blogger PR Maximizer said...

If you are sick and tired of wasting your time on slow, costly, ineffective methods that used to work, welcome to what works now... Welcome to PR Maximizer!

 
At 3:26 PM, Blogger PR Maximizer said...

If you are sick and tired of wasting your time on slow, costly, ineffective methods that used to work, welcome to what works now... Welcome to PR Maximizer!

 
At 4:58 PM, Anonymous Anonymous said...

Good Marketing information.

Advanced Business Marketing

More business marketing information you can use.

 
At 5:45 PM, Anonymous Anonymous said...

Great Blog! I would like to let your readers know about a site that can give them a FREE Instant Auto Loan Quote. Just Enter Your Zip Code!
You can check it out at:
FREE AUTO LOAN QUOTES

 
At 6:35 PM, Anonymous Anonymous said...

Hey i got here searching for make cash online
Your sites not too bad!

You got good rankings for them keywords make cash online

I would personally like to ask you to join my site its a forum about making money online , affiliate programs etc... your a good writer , hope to see you there maybe you can learn too how to make extra cash.

Thanks
make cash online

 
At 8:41 PM, Blogger Raven said...

Nice blog feel free to check out mine my blog talks about home loans the link is here home loans you can find some good information when looking for a home loans

 
At 9:16 PM, Blogger Danny White said...

I found a free free home based internet business resource blog/site that really helped me
get a handle on free home based internet business.

I thought your posters might find this free home based internet business resource useful.

free home based internet business

Check it out if you get time:-)

 
At 11:34 PM, Blogger Greater Spire said...

Organization
by: ways to make money from home

You may be wondering what being organized has to do
with saving money but in reality, it has a lot to do
with it. For example, if you miss a credit card due
date by one day, you will be charged anywhere from a
15% to 25% penalty. The same would be true for taxes.
Missing one simple date can cost thousands. You need
to be organized so you know the exact dates your bills
are due as well as keep all receipts, contracts, etc.
in an orderly manner.

ways to make money from home

 
At 12:13 AM, Anonymous Anonymous said...

Wow, I really like this one. I have a website that talks mostly about make money from home australia You should check it out sometime.

 
At 12:36 AM, Anonymous Anonymous said...

free and easy internetjob for everybody in the world kostenloses SEO Training

 
At 12:57 AM, Anonymous Anonymous said...

Wonderful thank you which was consulted very much

But in blog of my site, when that has been written about information business should drop in freely.

home business idea

 
At 2:22 AM, Blogger Johnny said...

hello, your blog is interesting to read, I have a website about internet marketing, it should be helpful to you in making more web money. This is a global trend that more and more people can make a living online, so make sure you visit it.

 
At 5:36 AM, Anonymous Anonymous said...

professional hosting Hosting Ecommerce Your source for the latest in the professional hosting industry, professional hosting News, links and latest professional hosting developments.

 
At 6:05 AM, Blogger Seth said...

hey, nice blog here, mind if i do a link exchange with you?
my blog's nice too, it's about google adsense
stuffs, many more, even becoming rich wealthy exact instructions, something you can't miss!Trust me, you'll change your life in a matter of minutes : )
Can visit my blog about google adsense secrets, business opportunities, becoming rich, and much more, if you don't want to be rich dont ever click

 
At 7:02 AM, Anonymous Anonymous said...

Wow, I really like this one. I have a website that talks mostly about business business business business internet internet internet internet opportunity opportunity opportunity opportunity successforfreedom.com You should check it out sometime.

 
At 10:43 AM, Blogger Work From Home Center said...

Hi, Thanks for your interesting blog. Keep up the great work! I also have a site & blog about work from home with no investment
, please feel free to visit.

 
At 4:19 PM, Anonymous Anonymous said...

Hello - Great blog on va small business loans. Keep up the good work. I also have a va small business loans site that I think would interest your readers. Stop by if you get a chance

 
At 5:14 PM, Blogger Turnkey Builder said...

Market oi millions with blogblasterbusiness industry marketingbusiness industry marketing
Please go to http://ww.blog-masters.net

 
At 5:52 PM, Blogger Infactahost.com said...

Hey, you have a great blog here! I'm definitely going to bookmark you!

I have a business hosting services small site/blog. It pretty much covers business hosting services small related stuff.

Come and check it out if you get time :-)

 
At 10:53 PM, Blogger Terran Firebat said...

Rebate Programs
by: make money in real estate

When you shop, always keep your eyes open for rebate
programs. Although filling out the forms and clipping
the UPC codes from a box is a hassle, the money you save
is worth it. Some rebate items are not listed as offering
a rebate. Check out AsmartShop.com or Rebateplace.com to
see if any of your recent purchases offer a rebate.

make money in real estate

 
At 1:00 AM, Blogger Gordon said...

Hello, just visited your blog, it's informative. I also have a website related togoogle adsense software. So make sure you visit and hope it's useful.

 
At 1:00 AM, Blogger Google Page Rank 6 said...

Want more clicks to your Adsense Ads on your Blog?

Then you have to check out my blog. I have found a FREE and Legitimate way that will increase your earnings.

Come Check us out. How to Boost Your AdSense Revenue

 
At 3:37 AM, Blogger Ebooks Made Simple said...

Fantastic blog you guys!

I have a ebook publish site/blog. It pretty much covers ebook publish related stuff.

 
At 10:47 AM, Blogger cash at home said...

I really enjoyed the topic you chose to write about. I'm definitely going to bookmark you! email marketing consulting It pretty much covers email marketing consulting related stuff. Come and check it out if you get time :-)

 
At 12:08 PM, Blogger websoftware said...

 Hi: Just came across your blog. Interesting post and good looking site.

We recently set up a website offering totally free blog and website awards for sites with legal & legal related exceptional content.

No, we are NOT directly selling anything. If you would like to enhance your blog/web site, visit our web site award program web site. blog/website with one of our classy website award graphics! If you are interested, here is the link: http://www.web-site-award-winning.com
**web site award program**

 
At 1:29 PM, Blogger Kim said...

Great blog! Lots of character.

I found a newsgroup article search site that is really good for newsgroup article search information.

Hope you like it.

 
At 4:55 PM, Anonymous Anonymous said...

Hey, you have a great blog here! I'm definitely going to bookmark you!
I have a **ebooks** site/blog. It pretty much covers ##ebooks## related stuff.
Come and check it out if you get time :-)

 
At 5:56 PM, Anonymous Anonymous said...

"A friend of mine told me about your blog concerning info on **keyword** and I wanted to post here telling you how impressed I was with the information you have. I also have a web site & blog about **keyword** ,but will specialize in the impact of A/V on sites! Keep up the great work, you are providing a great resource on the Internet here!"internet marketing tipinternet marketing tip

 
At 8:02 PM, Blogger hassan said...

Hi :)

You have a great blog! Keep up the great work, and I'll be sure to visit regularly.

I have a Resell Rights eBooks related site, check it out if you get some time!

Look forward to reading more of your insightful posts :)

 
At 10:06 PM, Anonymous Anonymous said...

Hi, you have a great blog here! I'm definitely going to visit again! Please feel free to visit my blog too at http://rushprnews.iuplog.com, RushPRnews Daily Gazette.
My site is ** RushPRnews press release services, distribution and free web posting** . Cordially, Anne Laszlo-Howard

 
At 10:52 PM, Blogger Protoss said...

Live Within your Means
by: make money with affiliate program

The quickest way to get in debt is to live beyond your
means. Sure, most people want more than they have but
life is not all about spending money. Be thankful for
what you do have and learn how to enjoy the financial
position you are in. This is where your budget will
help identify the amount of money coming in against
the amount of debt going out.

make money with affiliate program

 
At 10:58 PM, Anonymous Anonymous said...

Yo, This blog is pretty neat. You should check out mine sometime. It pretty much covers cash from home income make money wahm work related stuff.

 
At 2:24 AM, Blogger Brian said...

Hey, you have a great blog here! I'm definitely going to bookmark you!

I have a sex in advertising site/blog. It pretty much covers sex in advertising related stuff.

Come and check it out if you get time :-)

 
At 3:30 AM, Anonymous Anonymous said...

I discuss this topic daily myself. I also have a website that talks about free domain name server
related things. Go check it out if you get a chance.

 
At 12:27 PM, Blogger Johnny said...

Hello, just visited your blog, it's informative. I have a adwords tool related website, which informs you about useful ebooks about how to use Google Adwords in a more skilful way

 
At 8:19 PM, Anonymous Anonymous said...

Great blog! I often write about cash until payday loan. Check out my cash until payday loan site. It mostly deals with cash until payday loan.

 
At 1:04 AM, Anonymous Anonymous said...

nice site :)

Check out adult finder friend personal swingeradult finder friend personal swinger adult finder friend personal swinger

 
At 12:41 PM, Anonymous Anonymous said...

Blast your Ad to 13,000+ Real Blog Sites!

 
At 4:11 PM, Anonymous Anonymous said...

Intresting Post
Feel free to visit
Advanced Business Marketing
For mor tips.
Feel free to leave your Comments.

 
At 5:01 PM, Blogger Marketing Magician- John Macko said...

"Wow this is a GREAT blog and I have been looking for info on Internet marketing and this is the first place I've found it with no fluff or BS! I'm really impressed ith the information you have posted here. I also have a new web site & blog about Internet marketing and needed just one question answered and I found it here. Thanks again, your site is top-notch! Keep up the great work". -John-The Marketing Magician

 
At 7:46 PM, Blogger August said...

Hi,

I just across sites and found that your Blogs are amazing.

Do you know, your blog can generate extra income by posting Google Adsense? If you ever know about Adsense, you understand to get hundreds of dollar per month is not an easy way. One of the most important is to generate massive traffic.

Few days ago, I found a very useful software that will generate hundreds of back links to our website. Do you know why back links is so important to generate traffic?
Yes, you are right! back links will jump up your position in search engine! If your position gets higher from day to day, you'll find your traffic increase significantly as well.

That software is Blog Link Generator!

This software so powerful. You even do not need to create links directory in your site. Is that sound good? You put your link in other's website, but you never put a link back to their site?

Visit www.LinkInBlog.com now and I so confident you'll never sorry.

 
At 8:01 PM, Blogger George said...

small business manufacturing softwareGet Your Affiliates Selling More Of Your Productssmall business manufacturing software

 

Post a Comment

<< Home