I hope to find lots of gold in 2011. I want to find a rich deposit of this heavy metal, so I can have a relaxing 2012. I want to work in 2011 and I plan to work hard. If I can find enough gold to fill up a few steel drums, I think I would be set for life. One drum that was full of gold, would be almost priceless and could get the youngest person in the world to their golden years in a wealthy style. In order to achieve this, it takes time, financial investments, and hard work. I’m willing to do all 3, for the chance to let a treasure chest of gold lead me to the promise land.

If the women get diamonds for their best friend; then surely men can have more than just a dog? Man’s best friend is the dog, but he also likes gold. Especially since the prices for an ounce of gold has shot up in the last couple of years. I don’t think the women will mind much, if men get to claim the gold, because they still get to keep wearing their beautiful diamond stud earrings. How many gals out there got a nice diamond or two from Santa this year? I know I didn’t get any gold from the North Pole Resident, but will be looking to apply my new gold-finding strategies; when the weather warms back up this spring. Gold has to be for a man, since men are mostly the ones out prospecting for it!

Start your business and find  Wholesale Products for pennies on the dollar.

Locate and research the newest  Wholesale Suppliers that can help you start your new business.

There are places online that are set up for people, who wish to find wholesale products for bargain basement prices. Online directories have been created, which group a lot of wholesalers together and this makes it easy to find which wholesalers have the best products for the lowest prices. Wholesalers focus on a variety of different products and there is sure to be at least one, that offers a lot of the same products you seek to buy. Find the wholesaler who carries your desired products and work with them, to see how low you can buy their products for. You may just find a way to make a handsome profit, out of the buying and reselling game. Someone out there is going to make money in this fashion. It might as well be you and your family that reap these rewards, from buying cheap products for wholesalers.

A simple trip to the ATM can sometimes be a life-changing experience and it has for some folks. During the holidays, it seems more stress and financial pressures weigh on all of us a lot more. This includes the criminals and other bad people out there, who are looking to steal your money from the cash ATM machines.

ATM stands for automated teller machine. It’s a lot cheaper for companies to use an automatic teller; than to have a live person at each transaction a customer makes. ATM owners and customers both can benefit from the 24 hour automated machines, but even though we have 24 hour access, we shouldn’t really use a ATM in the late, overnight hours. Here are a few tips you should remember, before you decide to make a transaction, using a ATM.

*Use during the daylight hours. Avoid night time withdrawals and balance checks.

*Driving up to a ATM is safer than the walk-up ATM’s.

*Try to use the ATM when a lot of people are around. Avoid being caught alone at a ATM.

*Don’t let your kids get out to make the transaction for you. Always try to do it your self.

*Use your body to screen off any on-lookers who might be watching you nearby or from a distance with binoculars. Always assume someone has a pair of binoculars and is trying to see which numbers you press.

*Avoid typing in your pin number directly. Create several motions and fake strokes; while you enter your pin number at a ATM. Press false numbers hard enough to create a finger print, but not so hard, that you cause the ATM to read the false number. For sensitive ATM’s, just pretend to press an actual number 2 or 3 times in a row.

*Never write your pin number on anything in your wallet, pocket book, or automobile. Keep it stored safely at home (if you must), but we should all have a pin number we can easily remember.

*Take a quick glance of your surroundings, before you exit your car to use the ATM. If someone should suddenly appear on foot, retreat back to car as fast as you can, lock doors, and drive away.

*If using an ATM all alone and a car pulls up with accelerated speed, try to cancel transaction, retreat to car, lock doors, and drive away.

*Take someone with you (adult preferred) if you must make a night transaction or at a business location that is closed for the day.

*If someone should ask or take your ATM card. Give them the correct pin number and don’t try to stop them. No money in your account is worth an injury or something worse from someone who is stealing your ATM card. DON’T GIVE A FAKE PIN NUMBER. If someone is bold enough to take or ask for your ATM card, more than likely they will keep you around, until they get a cash payment. In some cases, there have been noble thieves, who have taken $20 or $40, just so they could pay a bill, buy a meal, or do something for a loved one in need. While noble in their wants, they will escalate things, if you avoid or give false information.

So try to keep these ATM safety tips in mind, the next time you have to use one. Overall, it is better to use your bank and avoid any and all transactions at a ATM. These handy little machines can be our friends and even late at night, they can be lifesavers. Just make sure we are not risking our life when we go to use one. I currently use a ATM about 2 or 3 times per week. I have never been robbed or felt threatened while making a transaction. Most ATM users are good about giving you space, while you use the ATM. In some cases, where a line has formed at the ATM, it’s a little tougher to provide this space. Since you don’t want anyone cutting in front of you. I think we all understand in these cases. Other wise, give your fellow ATM users plenty of space and make sure you don’t do any actions, which could lead to misinterpretation. Happy holidays everyone and I’m sure now you will all be using proper ATM techniques for all of these holiday ATM transactions.

Once again, we have so many football fans in the South disregarding the BCS Rankings and the other major rankings in college football. They are just giving too much credit to the Pac 10. No matter what it is in life, there is always a good rule of thumb you can follow. If you ever want to get to the bottom of something, just follow the money. Where does the money in college football lead to? For about a decade now, the boosters and a very wealthy and powerful group associated with the USC Trojan football program is where all the money starts and ends in college football. You can just follow the USC football program over the past few years and see how they continue to get way too much credit, for a program that is mediocre at best.

Go back to Vince Young and their underdog team the Texas Longhorns, facing the mighty Trojans and Matt Leniert, who were easy favorites to win the National Championship. No way did the Longhorns have a chance to win this title game in college football. One team that did match up better against Matt Leniert (who has never found his way in the NFL yet) was the Auburn Tigers. The SEC team from Southern Alabama had a couple of good tailbacks in Cadillac Williams and Ronnie Brown; along with a talented QB in Jason Campbell. These 3 players from Auburn have all 3 been the starting RB for their NFL teams (Williams – Tampa Bay Buccaneers; Bown – Miami Dolphins) or the starting QB  for his NFL team (Campbell – Washington); while star QB Leniert from USC has not been able to hold a starter or solid back-up role in the NFL. How could these 3 players be kept from a shot at playing a 1 star USC Trojan team in the title game a few years back? This is simple. The Auburn Tigers was the best team that year and the Longhorns or Trojans couldn’t have beat them. It made for a better game to put the 2nd and 3rd place teams in a National Title Game; than to let Auburn play.

The SEC can’t produce undefeated teams. It’s just too tough, with all the good teams in the Southeastern Conference. When one does manage to “luck up” and go undefeated, it’s a no-brainer to put them on the National Stage in the College Championship Football Game. The SEC has won the last 4 college football championships, because the best talent plays in the South. This is a fact and not a bias southern opinion.

What screws everything up, each year, is people like Kirk Herbstreet, who puts way to much of his air-time on TV, to talk and pump up the Nation about the USC team and the other PAC 10 football programs. Herbstreet doesn’t hide the fact he is (or was) a big fan of the USC football program. His ties with Pete Caroll ran deep and not only did Caroll cheat college football and the fans and players associated with the USC Trojan team, but Kirk Herbstreet played a financial role in this college football scam too. Herbstreet has been paid very well for his tongue and the words he has pushed for on the TV air waves. To promote the Country on the super talent, the super teams, and the super program in Southern California; which make up the Pac10 Conference in college football. The truth is the Pac 10 is very weak and for most years over the last decade or so, the Pac 10 isn’t even one of the top 4 NFL Conferences in college football. I think they may have been 5th best conference in 2 of the last 10 years and the other 8 years, clearly not even a top 5 conference in college football.

So who benefits? Well once everything gets pushed and moved around and USC fails to make another appearance in the BCS Title Game, the power shifts and another PAC 10 team gets rewarded for the bogus rankings, that get pushed on to USC and their opponents; which is mainly Pac 10 football teams.

Have I lost you yet? Well with all of that said, you can still break it down year by year and see how USC is the direct blame. It is their group of wealthy fans and boosters; which pay money to the football program and to the players, coaches, media personalities like ESPN’s Kirk Herbstreet, and to those who hold a vote in the college football ranking system. All of this money gets pushed into places, where USC is guaranteed a higher ranking than any other school who matches their season’s record.

Before I can show you how Oregon is the clear number 1 choice in the Rankings (even though they shouldn’t be), I have to show you where USC plays key roles in this year’s cheating scheme of 2010. It’s really hard to understand how USC could have worked their way into the top 25; when there is clearly 30 teams or more in college football, who are better than them.

USC Trojans AP Top 25 – 14th in the Country. The USA Today Rankings don’t even see them as a top 25 team. How does this happen? First, no way did USC have enough coming back from their horrible season last year, to warrant a top 25 spot, much less 14th! USA Today has it right, since this team has a new coach and no big talent returning. This is the PRESEASON RANKINGS.

Week 1 – USC travels to Hawaii and beats them by 13 points. Even though USC gave up 36 points on defense, they beat a 9 – 3 football team on their own field. This is a descent win for USC. The AP drops USC 2 spots to the number 16 team in the country (little unfair and USC should have kept their previous ranking). USA Today Ranking still does not put them in the top 25.

Week 2 – USC wins at home against Virginia who is a 4 and 8 football team this year. USC wins by 3 points (17 to 14) despite this 4 and 8 football team from the ACC gaining more yards than USC and had 4 more first downs; while playing on the road in a hostile environment. The Virginia Cavaliers is one of the weakest teams in the Atlantic Coast Conference and are actually listed last, in their ACC rankings. AP Top 25 drops them down 2 more sports (deserved it) and the USA Today still does not have them on the Top 25 radar, after winning their first two games. Seems to be a big difference in opinion. One system starts at 14 and now has them 18 with 2 wins and the other just ignores them.

Week 3- USC beats an unranked Minnesota team by 11 points on the road. Now things are getting strange! USC drops 2 more spots in the AP Top 25??? A poll that saw them as the 14th best team in the country and this 14th ranked team wins their first two games, two descent road wins and a shameful home win and again USC drops 2 spots to number 20 in the country. The guys at USA Today still don’t see wasting their ink on them and USC fails for again to make the top 25 teams here.

Week 4- USC travels to Washington State and blows out a 2-9 Pac 10 team. Now the AP 25 Poll awards USC for this win and moves them back up 2 spots to the number 18 team in the country. This is disturbing that USC beats 3 non-Pac10 teams and drop 2 spots each week. Suddenly a Pac 10 opponent appears on the schedule and they get awarded 2 spots in the poll for beating them? USA Today still leaves USC off their rankings. A 4-0 team is not ranked on USA Today; while the AP has kept them in the top 20 all year long and gave them lots of help, by ranking them 14th in the preseason polls. Things really begin to stink here, if it wasn’t already, and here is proof the Pac 10 gets too much credit in football. The AP Poll has found a way to take a shot at the ACC; while giving the Pac 10 a boost. USC loses 2 spots for beating a weak ACC team. Then turns around and awards them 2 spots for beating a weak Pac 10 school. This is part of the math calculations and cheating; which takes place on the Pac 10 side of things in college football.

Week 5-  USC suffers their first loss of the season. They get beat at home by Washington (Pac10 school) . The Huskies are a 5 and 6 team and a below .500 team has just went into USC and beat them on their own home field. You know USA Today will keep them off the list for another week and the AP 25 finally is able to push them off of their list and now the USC Trojans are no longer ranked on anyone’s list as a top 25 school. As you can see, overall record of 4 and 1 isn’t bad, but no competition and with a weak schedule, they have lost 1 home game and won another home game by 3 points, to the worse ACC Team.

Week 6- USC losses for a 2nd straight week. Finally they play a rank team in number 16 Stanford, but should Stanford be the 16th best team in the country at this point? USC and Stanford both had the same record at 4 and 1. USC unranked; while Stanford was all the way up in 16th place with their 4 wins over Sacramento State, UCLA, Wake Forrest, and Notre Dame. They did not have a win over any top 25 team and their 1 loss was to a Pac 10 team Oregon. In comparison, the South Carolina Gamecocks (SEC school) had played 1 less game on the schedule, but they had 1 loss to Auburn and had beat number 22 Georgia (top 25 school). South Carolina is number 19 in the country with a win over a top 25 team; while Stanford has beat no top 25 teams. Right here is a problem. Stanford from a weaker PAC 10 conference is being given more credit than a SEC school; when the SEC team has a victory over a top 25 team. So Stanford because a PAC 10 springboard; which this conference needs, so they can keep up with the SEC. No poll has USC ranked for a 2nd straight week.

Week 7- After losing two straight, USC gets back to winning against a Pac 10 California team who is unranked. The Golden Bears is a 5 and 7 team this year, so another team below .500 for this year. Nothing impressive here and neither poll awards USC for their win; which they shouldn’t have.

Week 8 – USC’ BYE WEEK – The team played against no one. Both polls keep USC unranked.

Week 9 – Time to play the number 1 team in the country. Nice for USC to have a bye week, before such an important game. Oregon comes in to USC’s stadium and beats them by 21 points. If you beat a team by 21 points, that’s a convincing win, right? If you beat them by this margin on their own home field, it leaves no room for doubt, that this was a solid win and the home team deserves no credit. However, we now see USC move back into the top 25 AP poll? How could this be? Sure you played the number 1 team in the nation, so you’re expected to get beat. If you only get beat by a field goal or a touchdown, it could show some signs of strength. This did NOT happen! USC got beat by 3 touchdowns and they had home field advantage! Some interesting stats developed in this game too.

*Oregon produced exactly 222 more yards on offense than USC did. That is amazing in it self, but what if I told you that the USC Trojans had the ball on offense for 5 minutes and 10 seconds longer than the Oregon Ducks? Did the Pac10 officials try to help USC win this game? USC had 3 flags threw at them the whole game and they got penalized for only 22 yards. While Oregon got flagged 8 times for 85 yards. Oregon almost had 3 times as many flags against them; and was 3 yards shy of having 4 times the amount of yardage subtracted from them. I believe the Pac 10 officials working this game, was in favor and took bribes to try and help the home team USC to win this game or at least to keep it close.

History of USC Flags and Penalty Yards Before the Oregon Game:

1. @ Hawaii -  11 Flags = 100 yards

2. Virginia – 13 Flags = 150 yards

3. @ Minnesota – 7 Flags = 71 yards

4. @ Washington State -  5 Flags = 39 yards (Opponent 2 flags = 15 yards) Refs Let Them Play Here

5. Washington -  5 Flags = 49 yards

6. @ Stanford – 8 Flags – 53 yards

7. California – 8 Flags – 54 yards

8. Oregon – 3 Flags – 22 yards (opponent 8 flags = 85 yards) Either 1st or 2nd game for USC to have lower flags/penalty yards than their opponent.

I won’t push too much on the corruption angle here. Even though USC got the bye week before playing Oregon and the referees did lend more help to the Trojan football team; than their northern Pac 10 opponents got. Oregon did have 9 days to prepare for this game, but USC still got 5 more, as they benefited from a full two weeks of preparations.

The main point I wanted to make about the bye week and the ref’s giving USC all the calls, is the fact, that USC still lost this game by a considerable margin.

*Homefield Advantage

*Awarded 63 More Yards by Officials wth Penalty Flags

*Controlled Ball on Offense 5+ Minutes

These 3 things in a football game, can help a team to win or make it a closer game than it should. USC got beat by 21 points and gave up 50+ points, to a team that had the football 5 less minutes than they did. In no way should USC should have moved up in the polls.

Now comes the most disturbing part of my debate. I have walked you guys through each week of the season up to this point. After USC loses this game to the number 1 Oregon team, I have them calculated as moving up from no rankings in the AP Top 25, to the number 24 team in the Country. I know my “Week 1″ , “Week 2″, etc.. might be a little confusing, but I first showed the preseason ranking with USC number 14 in the AP Top 25 Poll. Then I start with “Week 1″ for the first game USC played. Based on that result, I go ahead and include the Sunday ranking decision on my Week 1 statements.

If you tracked this online at Yahoo, you would see they go from a “preseason ranking” to a “2″, “3″, “4″, etc… They never list “1″ on their rankings; while I did include a Week 1 on mine.

If you go to Yahoo Sports and look at Oregon’s season, you will see they got credit for beating the 24th ranked USC Trojans on their schedule. I don’t think this happened and I believe USC became 24, after losing to Oregon. I know, I know, that doesn’t make much sense, so obviously I am the one who is wrong and Yahoo has it listed correctly.

If this is true and I am wrong, it only goes to prove my corruption point further with the NCAA, Pac10, and the AP Top 25 Ranking. Why? Because let’s remember what happened to USC before the Oregon game. Nothing! Absolutely nothing happened before Oregon rolls into the Coliseum at USC, because the Trojans had a bye week!

So is the AP Top 25 Poll, trying to convince college teams, coaches, players, and college football fans; that the USC Trojans actually deserved to move up, not 1 to number 25, but up 2 spots from a unranked position, to the number 24 team in the Country, on their bye week?

SEC Teams are commonly losing ground in the rankings; on their bye weeks. It is not uncommon at all for a team who doesn’t play one Saturday, to actually lose spots. To move up, by not playing, would call for a lot of special circumstances. The USC Trojans had only played one team in the top 25 and that was Stanford, who was ranked 16 without a top 25 win; while South Carolina was 19th and they did have a top 25 win. In Stanford’s defense, you can give them credit, since South Carolina had a bye week and had played 1 less game. But if you go that route, it only hurts USC even more, by moving them up 2 spots; while they took a week off from college football.

Oregon has been given credit for beating a top 25 team (24 USC); while USC was ranked at number 18 in the AP, they lost their WEEK 5 Ranking; when they got beat by Washington. WEEK 6 Rankings show USC as an unranked team. They lose to Stanford for back to back loses, and continue to not be ranked in WEEK 7. They get back to winning and beat California, but the AP doesn’t view this as a quality win, and in WEEK 8, the USC Trojans are still not ranked. Now USC goes into their bye week, and the new rankings come out; which vault USC to number 24??? They moved up at least 2+ spots, to number 24 after playing nobody. Over their last 4 weeks of college football, they have lost 2 games, beat a California team, who had 2 losses and no wins over a top 25 school, and a bye week, and was not vaulted to any where after the California win, but received more credit, when they just didn’t play?

This is an obvious attempt, by the AP Poll and their voters, to give the Oregon team, a top 25 win. Oregon should not have credit for beating a top 25 team; when USC moved into number 24, after a bye week. You just can’t go from unranked to suddenly top 24 ranked, with a bye. Even with faulty top 25 win, does Oregon’s resume still look better than the Auburn Tigers? Not only does Oregon have the benefits of being ranked as the number 1 team getting ready to play the number 24 Trojans, but the AP at this point, has Boise State in 2nd place with 11 first place votes to Auburn’s 3 votes! And Oregon with 44 first place votes!

1. Oregon – 44 first place votes – 1 Top 25 Win (Stanford)

2. Boise State – 11 first place votes – 2 Top 25 Wins (Oregon State & Virginia Tech)

3. Auburn – 3 first place votes – 3 Top 25 Wins (South Carolina, Arkansas, LSU)

Now obviously the AP Voters are given some credit for margin of victory, as they should. But let’s keep in mind, this is the standings and votes after 8 games. Oregon has played only 1 top 25 school in 8 games and Auburn has met 3 top 25 schools in their first 8 games. Almost half of Auburn’s schedule has been with ranked opponents, so it’s a little tougher to win by wide margins, when you’re facing tougher opponents.

Auburn’s unranked opponents consist of teams like Kentucky, Mississippi State, and Clemson. They had 2 easy opponents in Arkansas State and and Louisiana Monroe; which they beat both easy by a combine score of 104 to 29.

Now let’s look at Oregon’s unranked teams, since they have 7 on their list, compared to 5 for Auburn. The good unranked teams Oregon beat in their first 8 games; were really no one!  Oregon beat Tennessee, who was able to win their last 4 games of the season to finish at .500. So Oregon really played the Volunteers when they were at their worse. Oregon beat Arizona State and they were 5 and 6 this season. Oregon beat the UCLA Bruins from the Pac 10 who was 4 and 7 this season. Oregon had wins over Portland State and New Mexico who finished a combine 3 wins and 20 loses for the season. And the only other win was against Washington State from the Pacific 10 Division in college football, who was 2 and 9 this season. After 8 games into the college football season, we have a team who beat a top 25 team and 1 team with a .500 record. They had 6 wins over teams who were under .500 and 2 teams with 2 wins and 2 teams with 1 win!

How exactly do you award 41 more first place votes to a team like that, against an Auburn team who has played 3 top 25 teams. Then won against a 8 -4 Mississippi State team, who is now ranked 22 in the country, really giving Auburn 4 wins over top 25 teams in their first 8 games. They beat 2 more .500 teams in Kentucky and Clemson. Beat Louisiana Monroe who had a 5 and 7 record this year and beat Arkansas State who had a 4 and 8 record. Auburn’s worse team two teams were 5 and 4 win teams. While Oregon played two 1 win teams.  Move up the ladder to the next two games and Auburn defeats a SEC and a ACC team (Kentucky and Clemson), who both finished with .500 records in two tough football conferences; while Oregon’s ladder goes into the 2 win teams. I mean really, Oregon played 4 teams in their first 8 games that finished the season with 2 wins or less. Auburn never played an opponent in those first 8 weeks of the season, who would end this year with 4 wins or more.

It’s important to point to this out, because Auburn’s competition level is 100X stronger than what Oregon had to face in these first 8 weeks and yet, they found 41 more first place votes! It’s just ridiculous and even more ridiculous when you see how USC made their way into the top 25, right before the Oregon game on a bye week.

Anyone in the country can compare the Auburn schedule with the Oregon schedule and see which team has faced tougher opponents. Yet, Oregon is ranked number 1 in the country and plays a weak in-state rival with Oregon State; which Herbstreet was quick to point out Saturday night, how this game is not a cake walk for Oregon, even though Oregon State had just got beat 38 to 0 earlier in the day. While once again, Auburn has the cards stacked up against them, as they have to face another top 25 team and play them on a neutral field in Atlanta, Georgia for the SEC Championship Game.

Auburn has already had to sit out of a championship game; while having a perfect season. No fair to make them jump through any more hurdles; when they have clearly deserved the first place votes and should be number 1 right now with a wide lead and some wiggle room.

I’m sure shoppers are making out their game plans for Friday now, as I write up this blog post. The Friday after Thanksgiving Day is the busiest shopping day of the year. Then after this weekend, the Cyber Monday Online Shopping begins to get busy. On Cyber Monday, is the day there is more people online than any of the day of the year. Most are probably people at work, who take time out during the lunch breaks, to shop for items they didn’t find on the Black Friday deals.

I have seen a couple of stores who plan to begin their Black Friday Deals at the earliest time possible. This would at midnight and if it started any earlier, it would still be Thanksgiving Day. The first minutes after midnight, shoppers will be flocking to these stores, that are offering the Black Friday Sales at their stores. These same folks who go shopping at midnight, might be the ones who continue to stay up, so they can arrive at 3 a.m. to find a good parking place or a place in line close to the door. I never seen any Black Friday ads for a 3:00 a.m. sale this year. I did catch a couple offering the 4 a.m. Black Friday bargains. Just about all the popular stores will have the lights on and the doors unlocked at 5 a.m. local time, for the start of the busiest shopping day of the year.

If you plan to get out there at 8 or 9 a.m., which use to guarantee you a few of the early morning deals, this will be too late. The stores have tried their best to prevent the long lines, for their super cheap items; which they will have a limited supply of. In the past, a lot of people have got hurt, angry, cried, injured, excited, happy, or some other feelings of their rush into the stores, as the doors were being unlocked. In order to prevent injury to customers and the store employees who have to open up these doors, for the mobs that gather outside. Most retailers have sought earlier and earlier opening times, trying to cut down on the numbers of greedy shoppers, herding outside the front door.

Luckily it’s a whole new ball game on Monday; when a lot of online retailers will be slashing prices for the Cyber Monday shopping excitement. This Monday, shoppers will not have to worry about finding a good parking place or getting in a long line, to snatch up the first deals of the day on Monday. All you will need is your computer, a few of the major retailers saved to your favorites and you’re all set. I think most online shoppers will have about 5 to 8 different windows opened on their computer screen, so they can quickly see which online retailers have the lowest prices. Online shoppers will need to have their credit cards handy and ready to type in their name, shipping address, and the information from your credit card. Not only do you need the 16 digit number from your credit card, but please be sure to check out the 3 digit number on the back of your credit card. This number can sometimes get worn away and it is hard to read. Be sure you know this 3 digit number now, so you will not have any wasted motions on this Cyber Monday in late November.

If you plan to shop on Cyber Monday or on any other day this year for Christmas gifts, I have a good way you can save money. This is completely free to do, free to sign up for, and all U.S. citizens living in the Statesare elgible to use my money saving tip. If you live in England or the U.K, Australia, or Canada, you are also eligible to join this free money saving website! Since you will be spending money online shopping this year. Why not join a program, that covers all the major retailers, where they will award you cash back for all of your online purchases? This free program is called Big Crumbs and they have just recently went over the 12,000 retailers mark! This means, that over 12,000 different websites online that offer products or services online for sale, is under the huge umbrella of the Big Crumbs system for saving you money.

This is the way Big Crumbs works and it is good for someone who plans to spend $20 online, $150 online, or thousands of dollars online this holiday season. You just find the retailer you want to buy from, by going through the Big Crumbs main page. Once you go to Big Crumbs and click the “shop now” button from the Big Crumbs web page, your online activity begins to be tracked, without any noticeable differences to the Internet shopper. You locate and buy all the items you want from that online retailer and your job is done! Unless you have a 2nd website you want to visit, then just return to the main Big Crumbs page, located your next shopping website, and go from Big Crumbs to your 2nd online retailer and this 2nd shopping website will be tracked too.

A week or two later, the Big Crumbs program will kick in and a cash-back reward is given to these shoppers, who went from Big Crumbs to their online stores; which a consumer made a purchase. Your cash back amount will range in different percentage points, based on different retailers and what they decide to return to Big Crumb members. I use GoDaddy.com as one of my hosting services online, for a couple of my blogs. I can spend about $20 for a 6 month renewal fee and a few weeks later, I will get $2 back from the Big Crumbs system. This might not sound like a huge savings, but when you see how easy it is, to join Big Crumbs for free and just using their website as a launching pad, to arrive at your shopping destinations online, it becomes a no brainer for most consumers online.

Big Crumbs will hold back your first month’s payment and then begin making monthly payments to your Pay Pal accounts online. The best part about getting paid by Big Crumbs, is the fact they will pay you any amount that is owed to you, for any certain month. If you earn .11 cents or $11 dollars, you will get paid either amount to your Pay Pal account. Pay day is normally around the 15th of the month, give or take a few days. I have received .22 cent payments before, because I had earned that amount from the Big Crumbs system. Whatever amount they owe you, I can guarantee that they will pay you, once the time arrives for them to pay their members. No minimum amounts to earn here and you want be waiting months and months, to try and reach any cash minimums. You just focus on earning money at Big Crumbs by sharing this program with family or friends or just use it yourself to get cash back rewards online. Shopping online has never been easier or as rewarding; when you use this powerful rewards program for shoppers on the World Wide Web!

For those eBay members out there, you can use Big Crumbs to save even more money, from the low auction bids you win there. Please don’t think that Big Crumbs will not have your favorite online websites to shop at on the Net. Remember they have over 12,000 retailers that currently fall under their massive umbrella, for saving computer shoppers cash. This upcoming Cyber Monday, would be a great time to make your first purchase, using the Big Crumb money saving system, which anyone and everyone can join for FREE!

I have already mentioned that eBay is one of the websites you can save money at, by using Big Crumbs. Here is a few more, that I think a lot of shopping will be done, on these popular Cyber Monday websites:

*Wal – Mart

*Home Depot

*Bloomingdales

*Cabelas

*Coldwater Creek

*Dickies

*eBay (Australia)

*eBay.ca (Canada)

*eBay.uk (United Kingdom)

*Footlocker

*Gap

*HSN.com or the Home Shopping Network

*J.C. Penny

*Kohls

*Lord & Taylor

*Macys

*NFLshop.com

*Nike

*Old Navy

*Overstock.com

*QVC.com (another home shopping TV channel)

*Saks Fifth Avenue

*Sam’s Club

*Sears

*Target

*Timberland

*Tractor Supply

These are just a few of the popular places, I figured most of you would know. Any of the stores listed above, you can visit their websites online, go to their store from the Big Crumbs page, and be eligible to get cashback rewards from the smallest online orders, all the way up to your huge, high dollar purchases online. I know since Christmas is mostly about the kids, check out some of these online stores you can save money at, when you go shopping for your kids or the gifts you buy for your grandchildren this year.

*Babies R Us

*Best Buy

*Buy.com

*Circuit City

*DisneyStore.com

*EA Store

*eToys.com

*Kmart

*Microsoft Store

*Posh Tots

*SmartBargains.com

*This History Channel

*The Discovery Channel

*Toys R Us

Just some of the retailers that caught my eye at Big Crumbs for parents and grand parents, who want to buy something nice for their children and grand children for this upcoming 2010 Christmas Day. I could go on and on and on, naming the different online stores, you can save some cash from, if you simply use the Big Crumbs page, to make your way to these online retailers.

1. Join Big Crumbs for FREE Now

2. Check the Long List of Online Retailers

3. Click the “Shop Now” Button from Any of the Big Crumb Stores

4. A New Page Will Open Up and Redirect You To the Chosen Store

5. Browse Around and Load Your Carts Up

6. Buy the Items in Your Online Shopping Cart

7. Wait About 1 to 2 Months for Your Pay Pal Account to Get Paid From Big Crumbs

That’s it!

These simple 7 steps, will allow you to get back some of that money you spent in December. Big Crumbs does hold back a month, to all new members and then begin paying each month. So if you ever should decide to quit the Big Crumb system, you would be eligible to receive 2 more months of payments. I believe most of you holiday shoppers, will be getting your cash back rewards, in the middle of February. A few of you may receive payment in mid-January and a few others might get their first pay day from Big Crumbs in mid-May.

This Big Crumbs program will work now, this weekend, on Cyber Monday, or any other shopping you do online 365 days a year. No matter how little or frequent you buy things over the Internet, you should always use Big Crumbs before you make those online purchases. Absolutely no hassles to use and its free money you get back!

The Amazon.com website does offer a link at Big Crumbs, but currently they are not paying any cash back rewards or payments to your Big Crumb referrals, who buy something at Amazon.com. And speaking of referrals, you can earn extra money, by passing your Big Crumbs referral link, to your friends, family, or any online contacts you have on the Internet. The downline program at Big Crumbs reward up to 3 levels deep in your Big Crumbs downline. So this can be a good money-making program, for those who want to promote it during the holiday season or any other times of the year. If you have a lot of shopping friends, you may want to join Amazon and become a referral for them and then you can promote any of the Amazon products online, for some extra cash!

Most Internet users are learning how to navigate around the World Wide Web. It can seem a little scary at first, but once you learn a few tips and tricks here and there, you can locate just about anything online. If you get a craving for a certain food dish, but don’t know how to begin preparing it? There are numerous websites and web pages online; which are dedicated to food recipes. Maybe you just want to go out to eat at your favorite restaurant, but you always feel pressured to place your order quickly, after reading the menu. We can easily solve this problem, by looking up your favorite restaurant online and most will provide a menu of their food selections. Now you can take all the time you want at home, drooling over their tasty menu, so once you get to the restaurant, you can place your food order while you tell the server what you would like to drink.

Where do I begin the search? Any of the major search engines online would be a great place to start. Your current homepage now, probably offers a search box from one of the big online search engines. Don’t worry about Internet security, when you go to look for a free credit score or anything else which might require some personal information. In most cases, you will see a padlock on the upper or lower part of your browser; which will indicate this information is passing through a secured server. It feels good to be able to have access to your credit score number at any time of the day or night you want to look at this information.

A lot of people are conducting their finances and paying bills from their home computers in the 21st century. Once you get done paying the bills, you also have the ability to go shopping online with your extra cash for this week or the month. If you shop for a big item, like a brand new car, you may need to check your credit score. Consumers with a more favorable credit score, can usually get a lower interest rate, than someone whose credit is not that good. Before you get your hopes up, you have the luxury to check your digits first online, before you ever walk into the car dealership. If you find your number is too low for the auto companies, there is a lot of online ads for credit repair and credit score help. Instead of wasting your time inside a showroom at a dealership, you could be using that time to find out, how to improve your current score. The good news, it really is simple to find your credit score online and that is the main point I wanted to let you know about today.

The road is out there and its probably a paved road; which leads to the next big gold strike. For many years, people have searched for gold. It seems the search has been on pause for the last few decades for many gold prospectors. Knowing where to look or what may be in that next gold pan is what keep many looking for the shinny metal. Now that the prices for gold has sky rocketed, many are now wanting to search for gold in Mother Nature.

In some mountain stream or under some big mountain, is where the next big gold strike lies. It is just waiting to be found. For some lucky prospector to pick up the scent on the gold trail. Will it be you?

I have kept all of my insurance plans intact for a long time now, I can’t remember when my last insurance quote was. I have been happy with most of my insurance prices, I have to pay on my different insurance plans. I know my auto insurance continues to get lower. Since I have not had any speeding tickets and have avoided the fender benders (knock on wood). Do you often check around with different insurance companies, to see if you’re paying the lowest prices possible? I know most of us just don’t have time to check for the lowest rates or get a new insurance quote. I hope I am paying the best prices now, but without checking, I don’t know this for sure. This is where trust comes in and it is important to trust your insurance carrier. No one wants to over pay for insurance. We have a variety of life insurance, auto insurance, and home insurances we have to pay each month, quarter, or yearly. I will have to slow down and do a check up on the amount of money, I am spending on insurance each year. To see if a better rate or premium exists in today’s insurance markets.

The economy is starting to show signs of recovery and the job market is heating up. There are numerous banking jobs available as the new year approaches. I know most people can’t afford to stop their current jobs, but if you can find time to train on the time for a new career, which career choice would you make?

The shopping season is quickly approaching and Buy.com is ready to help online shoppers find what they need. The holiday sale is only beginning, as retail stores and online merchants stock up on their supplies. One of the top shopping sites on the Net this season, will be Buy.com. They have a tremendous selection on just about every Christmas gift imaginable. If you can think it; then chances are they have it in stock and ready to ship.

To get a better picture and a more clear view of the shopping deals in 2010; let’s start with these Vivitar 12X50 Porro Prism Binoculars currently available online. I think a pair of binoculars make a great gift idea. For those men who like the outdoors and go hunting and sight-seeing a lot. They can focus in on animals or the terrain of the land, long before they have to make actual contact with it. Using a set of binoculars in the wild is a great move for hunters and it also helps to promote safety, by seeing crystal-clear images from long distance. For the sports fans who can never get good seats to their favorite football and basketball games. A new set of eyes would come in handy and especially the kind that can make athletes come into view, like they were just a few feet in front of you. I think a set of binoculars would be a nice gift from Santa this Christmas Season.

I’m sure your holiday shopping list has more than just one person on it. Finding gifts for several people can be tough. You want each gift to be something they can use, enjoy, and will truly appreciate it. In order to got this accomplished this year, you will need to spend a little extra time shopping. Don’t worry about going to the mall and searching for a parking space nearby. Just turn on your computer and search out the online deals. In a lot of the online purchases I have made over the years. I have been able to get my gifts with the shipping costs added on, for a cheaper price; than if I had went to a local store in my area and bought it in person. Regardless of the item or items you want to buy, the name of the game is always saving. Who ever can give us the lowest price, that’s the seller we always buy from.

It’s never too early to start preparing for the Christmas shopping season. No matter what the date may be, when you begin your shopping adventures, you can bet that someone else has already started theirs. The first day of November will be Monday and the stores always have good deals on left-over Halloween candies. Retailers know this is their chance to impress you for Christmas and will set up a few displays to get you started on your holiday spending. Try to hold off on these early store specials, because if come online and compare prices, you may see the store special was actually nothing very special in the first place. Our friends over at Buy.com are the leaders in “specials” and this is why shoppers can visit them 365 days a year and see a wide-range selection of deals on their Weekly Deals pages.

The price of an NBA Jersey is lower this year, but don’t run out to the Sports Store yet. I just went and bought my traditional set of home and away colored jerseys for my favorite NBA team. I still had my receipt from last year and when I compared the price to this year’s receipt, I saved a total of .22 cents! Yep, my purchase is proof that NBA Jerseys are eleven cents cheaper this year.

One of the NBA’s top young players is Kevin Durant  from the Oklahoma City Thunder. His stock has been going up all summer long, as he led Team USA to a gold medal in Turkey just a few weeks back. In fact, the buzz has gotten so high for this budding superstar, who has that smooth long-distance stroke, a few have picked him to win the MVP award this year. While I can certainly agree with the hype for Durant, I just don’t think the Durantula (his nickname) is quiet ready for a MVP trophy. At least one, in which he would fully deserve as being the most valuable player in the league.

For some reason, the basketball world has thought LeBron James has been the most valuable player in the league. Not sure what these basketball fans are watching, but for over a decade now, there hasn’t been a better basketball player than Kobe Bryant. I guess for the basketball community that refuses to accept the Lakers star as the top player in our game today, they build up these MVP guys, before they actually do anything. They had LBJ for the past two seasons and now with his court time being shared with two NBA All Stars in Miami, I guess they figured his numbers would be too low, for the top individual award in professional basketball. Instead of letting the true MVP start back winning it, I guess they just decided to put Kevin Durant on the fast track to NBA stardom.

I know the basketball fans up in Boston would like for one of their players to be getting a little MVP recognition. For anyone who wants to say Rajon Rondo is the best basketball player in the NBA, I will not argue with them. They may be a few basketball fans who would laugh at such a bold comment, but I wouldn’t be one of them. All you have to do is go back to the 2010 NBA Playoffs and watch the Celtics and Cavaliers series. It wasn’t just 1 player who had a great game for 1 night in the NBA. This was a playoff series, when NBA players are playing at their peak performance. On a court that would feature LeBron James, Kevin Garnett, Paul Pierce, and Ray Allen; it was another athlete who stole the show. Rajon Rondo clearly outplayed LBJ in every game of that series and no other Celtic, ever played up to Rondo’s level. If you want to talk MVP’s in the NBA today, I think you have to mention the point guard from Boston, because he might just be the top dog now.

If you are shopping for NBA Jerseys and want to buy one as a fan to a future superstar; then you certainly got a lot of good, young NBA players to select from. Now is a great time to pick up some basketball jerseys of your favorite NBA players.

To find the NBA Jersey you want, for yourself or as a gift for someone else, just use the Amazon Search Box above. You can type any NBA Player’s first and last name (in the box above) and in most cases, a wide selection of their NBA jerseys should appear first. You can always add the word “jersey” to your search for a guaranteed way of finding NBA Jerseys. For instance, if you would like to order a Shaquille O’Neal basketball jersey online, just type:  shaquille o’neal jersey  and you should get back a long list of different NBA uniforms, which Shaq has played in over the years.

If you are online shopping for someone else and need any help, please just let me know. I do have an idea of the most popular NBA jerseys currently and I can see which teams and players are selling the best. The names for some of the MVP choices for this year have already been named or mentioned with their jersey links for ordering them. Here are some more NBA players; who will have a hard time keeping their jerseys on store shelves this year.

*Carmelo Anythony

*Brandon Jennings

*Derrick Rose

*Dwight Howard

*Dirk Nowitzki

*Dwayne Wade

*John Wall

*Amare Stoudamire

*Blake Griffth

*Josh Smith

*Chris Paul

*Monta Ellis

Those are some of the NBA jerseys that will be in short supply this year; due to the popularity of the player who puts it on each night in the NBA. For NBA fans who live in America, it is a lot easier getting your hands on these special NBA items. Since the world-wide growth of the sport and players from other countries coming over to play in the NBA, it makes it a little tougher, for foreign NBA fans to get their hands on a NBA jersey or anything else from their favorite players or NBA teams. Thanks to the Internet, it does allow basketball fans everywhere to grab a collectible merchandise piece from the National Basketball Association.

I’m sure in China, the NBA fans who are Chinese would like to get a Yao Ming jersey or a Yi Jianlian bobblehead; which might be a little tough to find over there. The NBA fans who live in Asia, Europe, and other parts of the World can get access to NBA merchandise, as long as they can get access to the World Wide Web.

I believe this year is going to be a lot different in the NBA. I see a lot of new changes and a lot of new stars who will be making a name for their self soon. While it’s all a lot of guessing and predicting right now, you can bet the NBA Jersey sales will tell the most accurate story. Because whatever these guys do on the basketball court each night in the NBA. Their jersey sales in stores will reflect it the very next day.

The Shell Mastercard from Citi and with the  Citi credit card you can get rewards.

Even with Chase credit cardsyou can apply for a credit card, online and find out your answer in a matter of minutes.

A person who pick pockets in the 21st century doesn’t have to get your wallet out of your pants. They can actually use a scanner and get the information from your credit cards, bank cards, or even your passports. It was news to my ears; when I found out about this sort of identity theft. You can protect yourself by getting a rfid wallet; which will protect your financial cards. A scanner can not scan through certain materials and that is what these modern day wallets have inside of them. You would be surprised to learn how easy it is to steal your credit card information, without ever getting your hands on your credit cards. Everyone who carries around credit cards in their pocketbooks or wallets, should consider getting one of these RFID wallets.

Gold Price

You can Buy Gold in the new economy.

There are now specific dealers who can buy and sell Gold Bullion. The idea of buying gold can be overwhelming but Bullion can now be bought online.

I have enjoyed getting outdoors with nature as I try to become a gold prospector. I haven’t found any gold nuggets yet, but I have been lucky enough to pan a few gold flakes out from the material, I have been searching for gold in. It would be nice to find enough gold to retire on, but I am not relying on that. I may start investing in a Gold IRA for my financial help after my working days are over.