Oct 08 2011

Black Hat Vs. White Hat Seo

Category: Tipsadmin @ 11:18 pm

If you’ve spent very much time at all researching SEO, you’ve likely come across the terms “black hat” and “white hat”. What exactly does it mean?

Well if you’ve imagined the good cowboy in the white hat and the bad one in the black, you can be forgiven–that’s certainly the impression people try to give off about the whole deal. But what is black hat SEO, anyway? Is it legal? Does it work?

And what is white hat SEO? Does it have too soft a touch? And, again most importantly, does it work?

The line between black and white hat search engine optimization is sometime a little blurry–in no small part because techniques once considered white hat may not be any longer. Some people will tell you that white hat SEO is ethical while black hat SEO is not. And while there certainly are unethical practices used by some who wear the darker hats, this is a bit of an over simplification.

A general rule of thumb is whether Google likes the practice or not. In its constant effort to return search results it says are relevant, the search company continually updates its search algorithms. Typically, anything that works, but that Google will penalize or ban you for, if found out, is considered black hat.

Why would anyone use black hat techniques, then? For one thing, these techniques can give a page an unduly high ranking, often in a short amount of time. Sure, Google will eventually come down on the page or site, but in the meantime, its owner is making big bucks. At least, that’s the theory.

So if the big bucks are in black hat, why use white hat? “What hat” search engine optimization techniques tend to last longer, for one thing. They may require more work on the front-end, and usually require a little bit of upkeep, but in the long term they bring in traffic (and, if you’re selling/pre-selling right, money). Not only will you have more consistent sales with that one site, but you’ll also have time, once you’re done setting it up, to build another site that could give you long-term, relatively passive income.

With black hat techniques, you’re likely to be making new site after new site after new site.

Another reason to go white hat is for branding purposes. You really don’t want to build your site’s popularity and rankings high using black-hat techniques, only to get your site banned for life by Google when it finds out what you’re doing–which it will, eventually. Being known as a black-hatter is also likely to brand you as a pretty shady fellow, not something you really want in the internet marketing world.

The line between black and white hat search engine optimization is sometimes a little unclear, and sometimes moves around when search engines update their algorithms. If you’re in IM for the long-haul, though, it’s worth keeping up with what is considered white-hat, and sticking to it.

Tags: , , , , , , , , , , , , , , , , , , , , ,


May 19 2011

Destination – Here, Now!

Category: Tipsadmin @ 3:23 am

Being a good person, by anyone’s yardstick, is one thing but, though it is essential, it is not what THIS process of karmic amendment is about.

Western philosophy and science trap the universe in the network of words, thoughts, equations and substitutes as well as an ongoing confusion of rules, laws, grammar and mathematics called *reasoning*. Sadly, we take in this network and make it rigid. We then use it as so many weapons against the ordered and logical spontaneity of nature.

As a rule of thumb, I will say that even as we consider ourselves thoughtful and caring, we are, to greater or lesser degrees, a part of our culture’s worship of personal power and profit and therefore equally to greater or lesser degrees removed from our spirit’s energy, from our energy field and the karma that is currently ours to edit.

The ever-spreading juggernaut that has become western-styled culture is one of upgrades and supersizes; of heroes who hit, throw, bounce or chip balls of varying sizes; of great, easy sex; of I want it now-I want it to be easy-I want it to be cheap-I want it to be fun; of self-indulgent behavior, of blame-shifting, of anger flare-ups, and of il[legal] drugs.

Our lifestyle menu is as full of mind-numbing options and escapist behaviors as a jellybean jar is full of beans.

The only assumed power we have is that of trying to ‘make things happen’ in a hit-and-miss manner, usually with a success that is relatively short-lived.

As the amateur juggler knows well, there are only so many balls that can be kept in the air before one is dropped.

The juggler blames gravity. We blame karma.

The reality is that most of us are unaware of how any thought, any decision, any un-decision will boomerang … somewhere, anytime, anyhow … to hit us on the head or, if we are lucky, to simply bite us on the tail.

The sad thing is that by the time that momentoccurs we will, as always, have lost awareness of its connection to that one action, or decision, made back in time. Yet, this synchronistic connection will nonetheless be real.

I have found viewing Babel, a film directed by Alejandro Gonzales Inarritu, an excellent way to fast-track understanding of cause and effect/action-reaction and karmic consequences.
I would recommend also having a look at the bonus disk, as it takes us behind the scenes where the turnstile of synchronistic connections and the invisible threads linking each of the characters to each other, are unraveled.

Being in the present, the only way to be if attempting to edit any karma, means not being mentally absent as we eat, talk and think. It means that we should be aware of ourselves, in the present moment.

Editing karma does not mean that we have to stop doing things we find pleasant. It merely means that we need to observe ourselves in the middle of the little moments spent alone or in our tribe, little and everyday moments that are as innocuous as the small breaths that link to a sigh.

Editing our karma begins with the observation of ourselves whilst riding the crest of the waves; the moments of pain we are desperate to avoid – the ones that [almost] break us; and others, usually the rarer ones, the ones we live for, the ones that are said to make life worth living.

The question at hand is where are we in between these peaks and troughs? Where is our head, where are our thoughts in between our highs and our lows?

Though children do not have adequate means of dealing with fateful karma, as soon as they become young adults, they do.

The theory is that our karma, through our soul’s guidance, will never lead us to challenges [commonly known as bad karma] that we cannot overcome through a spiritual approach – an approach radically different from anything usually taught, practiced and observed in all consumer-driven societies.

A genuine spiritual approach is one that rips us away from the impulsive needs and greed of our mechanical ego-persona, i.e., the emotional buffers, the crutches on which we rely and no longer question because ‘everyone is doing it’.

If you, reading these pages, consider yourself a good person and if others tease you about your generosity by calling you a ‘bleeding heart’, even you might have to over-haul your modus operandi just like the rest of us self-centered folks.

Even those of you who *fight* for a cause or would *kill* for it might have to reassess your MO if, once the laudable deeds are done, you pollute your own energy field as well as that of others – as with second-hand smoke – with bad moods and bristling energy.

What we are talking about here is mostly not about being good Samaritans.

Most of us do give to charity or help the Girl Scouts fundraise by buying their cookies. Some of us might even do volunteer work at an animal refuge or nurse the dying.

Whether in flashy ways or in tiny little ways, most of us are basically kind people.
But most of us also come home fuming because the boss is trying to squeeze us dry or because we missed out on that ‘perfect’ opportunity or because our mother-in-law is at it again or because some asshole did this or did that *to us*.

Some people press our buttons and some occurrences do put us in a foul mood.
Once home, we slam the fridge door, bark at the dog, at the kid, at the gf or demolish an ice cream tub, a bottle of booze or retreat behind a Do Not Disturb sign blissfully unaware that whatever we feel inside has permeated our energy field, our aura.

It is in our energy field that our karma gets calibrated.

Paul Brunton states that, “Thoughts tend to be creative and sooner or later it produces karmic fruit in our general environment. It is not necessary for your thoughts to translate themselves into deeds before they can become karmically effective. If they have sufficient intensity and if they are prolonged over a sufficient period they will eventually bring [appropriate] results even in external circumstances. [...]

People should be warned that cause and effect rule in the moral realm no less than in the scientific realm,” he wrote. “They should be trained from childhood to take this principle into their calculation. They should be made to feel responsible for setting causes into action that invite suffering or attract trouble or lead to frustrations.” [4]

Accidents do not happen by accident. In fact, they do not just *happen*.

Accidents are created inside our energy field. On the one hand, they are the karmic by-product of thousands of years of karma while on the other they are the by-product of however many years we have already celebrated in this lifetime.

Death, setbacks, illnesses, melt-downs, all in their many forms, are not mere confirmations that Life Sucks and Shit Happens. These blow-outs are orchestrated by our soul. They are the only ways she has to get out attention when the time has come to force us to rethink our modus operandi.

Isn’t it only once we are stopped ‘dead’ in our tracks that we are finally willing, albeit under duress, to reassess our priorities?

As agreed in regards to the soul – if we have an energy field, as we do, what is its purpose?
Why hasn’t it been evolved out like any other feature that became redundant over the millennia of our evolution?

I have come to take seriously the reality of our aura a.k.a. our energy field as intrinsic to karma and it is where the quality of our presence in the moments gets encoded.

Lip-service, self-righteousness and doing the right thing because pressured to do so do not seem to register as bona fide amendments.

Amending karma is not a matter of mind over matter.
It is more of a matter of energy over matter – the *matter* in question being the gross matter in our energy field.

It is our responsibility, as our soul’s current incarnation, to amend some of the karma that she has accumulated during the millennia and certainly to amend the karma we have contributed to our energy field for X amount of years.

It is generally accepted that toddlers do not have an ego as such, not until they are about seven years old. But, of course, there are always exceptions. How else to explain child-murderers? I imagine that what triggers action so early in life has got to be something encoded in their energy field – a strong karmic debt hanging from another life – no different from those triggered in an adult killer.

Just as it is not generally understood that, just as our entire life is hard-wired into our energy field, which operates like a software and holds the code to our karma, so, too, it is our earthly karma to override…our karma.

Karma is not about us suffering, literally, any god’s will. Karma is about self-actualization and, aptly, its literal meaning is “doing.”

Just like the sea in itself is neutral, neither good nor bad; just like a pizza in itself is neither good nor bad to ingest, all occurrences that come our way, in themselves, are neither good nor bad.

When we respond to them in an energetically balanced way, they remain balanced. Love is only love; duty is only duty; family is only family – but tip either by reacting mechanically – through the usual range of negative energy spikes and Me-first behaviors – and out come their evil siblings; jealousy, possessiveness, dependence, authoritarianism, extremism – as ways to control the other – the one we love.

Love is love but when we mishandle this love by turning it into a possession/obsession, we alter its very nature and like the mad alchemist, we turn it into bitterness, even bitter hatred.

Similarly, the mishandled love of a god can turn to a fanaticism that excludes all reasonable thinking.

We forget about the duality of the physical world, and when we try to separate one attribute from the rest, its evil twin perks up.

Every action triggers a counter action – a reaction. There are no exceptions to this rule.

Put simply for now: if we pull back a branch to get through a forest trail, we should be mindful of how that branch will snap back into its original shape.
If we prune a branch, it will grow back producing many new branches.
If we do not water a plant, it will die.
If we merely tap the surface of a pond with our hand, we will create ripples.
If we throw a rock into a pond, we will create a splash.
If we let anxiety, anger or bitterness rule our emotions, we invite cancer into our cells.
If we chose to reduce the natural side effects of menopause by taking HRT, we invite in much worse, chemically induced side effects.
And the list goes on and on. This list is as endless as all our combined efforts to manipulate our moods, our lives, each other, our society, and the world beyond.
There is no such thing as an action that does not trigger a reaction.
The duality we experience within the physical world is as inescapable as the duality that reverberates to and fro from the physical to the spiritual.

Psychological fears are unhelpful as they play with our imagination and taint the context – the present moment.
Fear is good when we fear Nature’s eruptions or a wild sea or when trekking solo in the wilderness.

As long as we flow one moment at a time, here now, and keep our energy field neutral, harmony is preserved – Karma is not disturbed.

Let us imagine that karma editing works like editing of topics in Wikipedia.

Let us imagine that our main topic is broken up in two sections:
1. Our karmic destiny – the one inherited at the instant our soul picked us as her vehicle.
2. The karma that we have created for our selves through each of our interactions with whomever our life has already intersected in a myriad of synchronistic ways.

Let us observe how our main topic on Wiki is being edited daily, many times a day.
One erratic entry from me will attract, magnet-like, another unavoidable entry from someone else – action/reaction – as unavoidable as the polarity of two magnets.
Basic magnetism works on the simple principle of attraction and repulsion. The north pole attract south pole, just as the south pole attract the north pole.

Inasmuch as I understand the principle, it seems that only a few elements in the periodic table are attracted to magnets. None of the elements, taken separately, make permanent magnets, though they make more adequate temporary magnets when close to another magnet. Similarly, the fact each one of us is attracted to certain individuals, certain locations, certain pathways, or even certain foods must stem from that inner software that is destined to lead us towards a specific goal because, supposing we were born as blank as a blank sheet, wouldn’t we be attracted to everything and everyone, willy-nilly? Or to nothing at all?

Beyond what parents try to instil in their children, often without much long-term success, it is our soul and therefore the karmic software that has been hardwired within each one of us, pre-birth, that define our ego-persona.

Once we begin to establish a firm connection with our *soul* moderator, we begin to write in new entries and these appear to no longer be editable by others. n other words, our field of energy is upgraded and aspects of the old software are disabled.

It is only by taking charge of our own program that we can release ourselves to varying degrees of past karma, conditioned and nurtured *bad edits* to become freer souls, attracting different people, different situations and different outcomes.

Our destiny, our karma, is to resist being pricked and energized by the shrapnel of past events that we carry barely below our skin and to simply *get over them* or beyond them, but in an energetically wholesome manner.

Should we fail – no harm done, as All Is As It Should be at any given moment. No matter how many bad entries we have missed, we can always have another go at them tomorrow.

Karmically speaking, anytime we kick into the ‘me first’ or ‘mine first’, we blow it – no matter how many old ladies we have helped across the street.

Time to inject a little humor into this topic. any of you may know the story of a Scout leader telling her little group that at least once a week they ought to do a “good deed”.
At their next meeting Chrissie, a ten-year old, was the first to volunteer an answer. “Me and four of my friends, we helped an old lady across the street.”
“Oh that’s lovely, but … did it really take five of you to help a little old lady cross the street?”
“Yes, because she kept pushing us off saying she didn’t want to cross the street in the first place!”

If there is a lesson in this, it is that a string of random good deeds, alone, is not going to make us good people.

I have to admit that my personal conditioning has made me a rather self-centered sort of person, very much into the ‘me first’ pole position. However, I have come to realize it is my ego, my sense of separateness, that is flawed and that it sometimes leads me to flawed ways of thinking, reacting, being and needing.

Since I have begun delving into this business of the energy field that surrounds us all and the more I read what great Thinkers have to say on the topic, the more I am now convinced that IF we can indeed alter the quality of our energy field, over time we can edit our karma. Sure we can, but only IF we can accept that, separately and collectively, we are not truly the *individuals* we think we are; there is nothing *unique* about any one of us.

We cannot be truly unique, as some of our thoughts are inherited from our previous incarnations, while others are passed on by our parents, teachers, the societal values in which we have grown up, and our own experience of life so far. They are even influenced by those of the group from within which we have chosen to rebel.

Indeed, even if we are rebelling, no matter how we are going about it, in how many ways is our rebellion truly unique?

————————————–
4. Brunton, What Is Karma?, p.35

Tags: , , , , , , , , , , , , , , , , , , , , ,


Jan 23 2011

Manufacturer Coupons

Category: Tipsadmin @ 7:06 am

Manufacturer Coupons are coupons that are issued by the product manufacturer. Manufacturers will often try to use coupons as a method to build their brand or promote a new product. Both of these types of manufacturer coupons will save you money.

However, not all stores will participate in certain manufacturer coupons. Be sure to ascertain if your coupon will be accepted at the store you frequent prior to checkout.

There are several places you can find these coupons. You can find them inside your local newspaper. They will have them there. You can also find them from packets of coupons you receive in the mail. A really good place to find them but often overlooked is in the aisle of your grocery store. Food companies are always trying to gain your business. Therefore, they place the coupons in the aisle and are dispensed from brightly colored cases where the coupon sticks out. They will normally be positioned right next to the product they are promoting.

Be sure to check the expiration date of your manufacturer coupons. Most will have one. There is nothing like having your mind set to receive a certain discount only to be let down at check out because you overlooked the expiration date.

Just like any other coupon, make sure you keep them organized. That way, they will not expire on you nor will you lose them when needed.

A good rule of thumb when using manufacturer coupons is to not use them just because you have them. What I mean is don’t be tempted to buy a product just because you have the coupon for it. It is no use to you to purchase something then not use the item. Always to try save with coupons. Don’t throw your money away.

With the economy the way it is and wanting to save money, manufacturer coupons are always worth taking the extra bit of time to collect them. If you collect and use them properly, you can save hundreds of dollars and effectively put that cash back into your pocket.

Tags: , , , , , , , , , , , , ,


Dec 16 2010

Financial Planning For Retirement In India

Category: Financial Planningadmin @ 1:49 am



Retirement is a financial challenge for most in India. What one saves through working life can seem less than adequate for the ‘peaceful’ years of retirement. Increasing life spans make it critical for people to plan for 25 + years of retirement, inflation continues to erode savings and interest rates continue to moderate as the Indian economy matures. What should you do if you are intent on having a pleasant retirement ?

1. Set your target: It is important to know what amount of money, in today’s terms, you would need at your retirement. For example, if you are 35 years of age and think that Rs 25,000 per month (in today’s terms) is a good sum for retirement, plan to retire at 65 and hope to live till 80, then you can expect to require close to Rs 1,10,000 every month in the 66th year. This is simply because inflation continues to lower the purchasing power of your money. To get to this number, you should plan to have savings of approximately Rs 2 crores (Rs 20 million) by the time you retire. If you want to maintain your lifestyle, this pool needs to be closer to Rs 4 crores (Rs 40 million) in your 80th year !

2. Start young: Only way to do this is to start young. A typical rule of thumb is to save up to 30% of your gross salary through your working life. Compound interest helps the savings pool grow in a healthy way even as your earning and savings power increase over the course of your career.

3. Create a portfolio: Build a balanced portfolio throughout your life. It should have a good mix of real estate, stocks, mutual funds, bonds, deposits and possibly gold. The riskier assets like stocks and and equity based mutual funds could form larger portion of your portfolio when you are younger (say 70%) and move to a more stable portfolio as you arrive into your 50s (deposits, real estate and bonds forming most of your portfolio). Many people forget to create a portfolio and put all their eggs in one basket – typically real estate !

4. Leverage early: Another way to create wealth over the longer term is to take loans wisely. Home loans are an important instrument that one could use from fairly early in life. It has been observed in most developed countries that people build property assets by taking loans and upgrading throughout their life. Home loans also offer tax advantage. While home loans can be useful, excessive debt on credit cards, personal loans or margin lending (against stocks) can be dangerous – use such debt only with care.

5. Manage your portfolio: It is normally wise to take profits along the course of your investment period and reinvest into the lows. While very few can time markets, it is important for investors to remain flexible in terms of liquidating assets, booking profits and waiting to pick new assets at the lower end of price cycles. Being brave is key, especially in turbulent economic times.

6. Plan tax wisely: It is important to plan taxes well. There are approved tax breaks like the ones on home loans and 80c that should be considered carefully. In closing, it must be highlighted that the above ideas are just pointers. It is important that you seek advice on your finances and taxes from professionals early on. Should you find good ones, there may be a chance of getting to the number !

Tags: , , , , , , , , , , , , , , , , , , ,


Sep 03 2010

Clear Debt – Good Vs The Bad

Category: Credit / Debt Managementadmin @ 11:44 am



In modern America, it is difficult to get through life without taking on some kind of debt. Most people cannot afford large purchases such as a house or education early in their lives, and so they take out loans to help them acquire these things earlier. Not all debt is harmful to your financial health, but it is important to make good decisions early in your life about what kind of debt to take on and what kind to avoid. Taking on too much debt with high interest rates can permanently destroy your hopes for a rich life and good retirement.

Good Debt

Loans which help you to invest in yourself or develop assets that don’t depreciate are good debt. Student loans, mortgages and loans for necessary medical procedures are all examples of debt that provides future returns in heightened income or lowered expenses. Loans for these items can usually be found with low interest rates, and when used wisely, can help secure your future wealth. Of course, you should always make sure that you will be able to afford the payments when they come due before taking out any loan.

Bad Debt

Consumer debt with high interest rates and no future return is the kind of debt that you should avoid. A good rule of thumb is that if you can eat it or wear it, you will not have any future return to show for it. Some credit card interest rates run as high as 25%, and if you only make minimum payments, you might end up paying more interest than principal over the decade it may take you to repay the card.

Try to evaluate debts as you would any other investment. Make your money work for you, and you will have a comfortable retirement to look forward to. But if you fail to carefully consider the kinds of debt you take on, your hard work will go towards paying credit card companies rather than yourself.

Tags: , , , , , , , , , , , , , , , , , , ,


Next Page »