The Google Guys Book

Got the Google Story book (in paperback) for Christmas and started reading it yestereday. It's an interesting read when David Vise and Mark Malseed finally start talking about the facts in the life of Google founders Larry Page and Sergey Brin. I found it very interesting to learn about Larry and Sergey's impressive educational background.

The beginning of the book raves on a little too much about the accomplishments of Google and all that work within the Googleplex. I too see Larry Page and Sergey Brin to be amazing people, but the authors over-do the praise a little.

I have more to read, and I'll update this when I've finished it.

Kenny

PS - (I love the irony that Gates funded the building (Stanford University Gates Building Room #360)in which Larry and Sergey developed the early Google idea.

World Internet Business Locations

Internet business directory of the World:

United States & Surrounding Areas

ALABAMA,AL ALASKA,AK ARIZONA,AZ ARKANSAS,AR CALIFORNIA,CA COLORADO,CO CONNECTICUT,CT DELAWARE,DE DISTRICT OF COLUMBIA,DC FLORIDA,FL GEORGIA,GA GUAM,GU HAWAII,HI IDAHO,ID ILLINOIS,IL INDIANA,IN IOWA,IA KANSAS,KS KENTUCKY,KY LOUISIANA,LA MAINE,ME MARSHALL ISLANDS,MH MARYLAND,MD MASSACHUSETTS,MA MICHIGAN,MI MINNESOTA,MN MISSISSIPPI,MS MISSOURI,MO MONTANA,MT NEBRASKA,NE NEVADA,NV NEW HAMPSHIRE,NH NEW JERSEY,NJ NEW MEXICO,NM NEW YORK,NY NORTH CAROLINA,NC NORTH DAKOTA,ND NORTHERN MARIANA ISLANDS,MP OHIO,OH OKLAHOMA,OK OREGON,OR PALAU,PW PENNSYLVANIA,PA PUERTO RICO,PR RHODE ISLAND,RI SOUTH CAROLINA,SC SOUTH DAKOTA,SD TENNESSEE,TN TEXAS,TX UTAH,UT VERMONT,VT VIRGIN ISLANDS,VI VIRGINIA,VA WASHINGTON,WA WEST VIRGINIA,WV WISCONSIN,WI WYOMING,WY

New York City New York,Los Angeles California,Chicago Illinois,Houston Texas,Philadelphia Pennsylvania,Phoenix Arizona,San Antonio Texas,San Diego California,Dallas Texas,San Jose California,Detroit Michigan,Indianapolis Indiana,Jacksonville Florida,San Francisco California,Columbus Ohio,Austin Texas,Memphis Tennessee,Baltimore Maryland,Fort Worth Texas,Charlotte North Carolina,El Paso Texas,Washington District of Columbia,Milwaukee Wisconsin,Seattle Washington,Boston Massachusetts, Denver Colorado,Louisville-Jefferson County Kentucky,Nashville-Davidson Tennessee,Las Vegas Nevada,Portland Oregon,Oklahoma City Oklahoma,Tucson Arizona,Albuquerque New Mexico,Long Beach California,Atlanta Georgia,Fresno California,Sacramento California,New Orleans Louisiana,Cleveland Ohio,Kansas City Missouri,Mesa Arizona,Virginia Beach Virginia,Omaha Nebraska,
Oakland California,Miami Florida,Tulsa Oklahoma,Honolulu CDP Hawaii,Minneapolis Minnesota,Colorado Springs Colorado,Arlington Texas,Wichita Kansas,St Louis Missouri,Raleigh North Carolina,Santa Ana California,Anaheim California,Tampa Florida,Pittsburgh Pennsylvania,Cincinnati Ohio,Toledo Ohio,Aurora Colorado,Bakersfield California,Riverside California, Stockton California,Corpus Christi Texas,Newark New Jersey,Buffalo New York,Saint Paul Minnesota,Anchorage Alaska,Lexington Kentucky,Plano Texas,St Petersburg Florida,Jersey City New Jersey,Glendale Arizona,Lincoln Nebraska,Chandler Arizona,Henderson Nevada,Greensboro North Carolina,Norfolk Virginia,Birmingham Alabama,Scottsdale Arizona,Fort Wayne Indiana, Baton Rouge Louisiana,Madison Wisconsin,Hialeah Florida,Chesapeake Virginia,Garland Texas,Orlando Florida,Rochester New York Akron Ohio,Chula Vista California,Lubbock Texas,Laredo Texas,Modesto California,Durham North Carolina,Reno Nevada,Fremont California,Montgomery Alabama,Glendale California,Shreveport Louisiana,San Bernardino California,Spokane Washington,Yonkers New York,Arlington CDP Virginia,Tacoma Washington,Huntington Beach California,Des Moines Iowa,Grand Rapids Michigan,Richmond Virginia,Winston-Salem North Carolina,Irving Texas,Boise Idaho,Mobile Alabama,Augusta-Richmond County Georgia,Irvine California,Columbus Georgia,Little Rock Arkansas,Oxnard California,Amarillo Texas,Knoxville Tennessee,Newport News Virginia, Moreno Valley California,Salt Lake City Utah,Jackson Mississippi,Providence Rhode Island,North Las Vegas Nevada,Worcester Massachusetts,Gilbert Arizona,Ontario California,Rancho Cucamonga California,Santa Clarita California,Aurora Illinois, Brownsville Texas,Fort Lauderdale Florida,Huntsville Alabama,Oceanside California,Garden Grove California,Overland Park Kansas,Fontana California,Tempe Arizona,Dayton Ohio,Tallahassee Florida,Vancouver Washington,Chattanooga Tennessee,Pomona California,Santa Rosa California,Rockford Illinois,Springfield Massachusetts,Pembroke Pines Florida,Springfield Missouri, Paterson New Jersey,Corona California,Salem Oregon,Salinas California,Hollywood Florida,Hampton Virginia,Eugene Oregon, Grand Prairie Texas,Kansas City Kansas,Pasadena Texas,Pasadena California,Torrance California,Syracuse New York,Naperville Illinois,Lakewood Colorado,Hayward California,Cape Coral Florida,Sioux Falls South Dakota,Bridgeport Connecticut,Peoria Arizona,Joliet Illinois,Alexandria Virginia,Warren Michigan,Orange California,Palmdale California,Escondido California, Lancaster California,Fullerton California,Port St Lucie Florida,Fayetteville North Carolina,Mesquite Texas,Sunnyvale California,Coral Springs Florida,Savannah Georgia,Sterling Heights Michigan,Fort Collins Colorado,Elizabeth New Jersey,New Haven Connecticut,Hartford Connecticut,Thousand Oaks California,McAllen Texas,Concord California,Cedar Rapids Iowa,El Monte California,Topeka Kansas,Waco Texas,Stamford Connecticut,Carrollton Texas,Simi Valley California,Flint Michigan,Vallejo California

Canada Provinces & Surrounding Areas

Alberta,AB British Columbia,BC Manitoba,MB New Brunswick,NB Newfoundland and Labrador,NL Northwest Territories,NT Nova Scotia,NS Nunavut,NU Ontario,ON Prince Edward Island,PE Quebec,QC Saskatchewan,SK Yukon YT

Abbotsford (Matsqui) City BC,Barrie City ONT,Belleville City ONT,Brantford City ONT,Calgary City ALTA,Cape Breton (Sydney) Com NS,Charlottetown City PEI,Chatham-Kent City ONT,Chilliwack Com BC,Cornwall City ONT,Drummondville City QUE,Edmonton City ALTA,Fredericton City NB,Granby City QUE,Guelph City ONT,Halifax Com NS,Hamilton City ONT,Kamloops City BC,Kawartha Lakes (Lindsay) City ONT,Kelowna City BC,Kingston City ONT,Kitchener City ONT,Lethbridge City ALTA,London City ONT,Medicine Hat City ALTA,Moncton City NB,Montréal [Montreal] City QUE,Nanaimo City BC,Norfolk (Nanticoke Simcoe) City ONT,North Bay City ONT,Oshawa City ONT,Ottawa City ONT,Peterborough City ONT,Prince George City BC,Québec City QUE,Red Deer City ALTA,Regina City SASK,Saguenay (Chicoutimi-Jonquière) City QUE,Saint-Hyacinthe City QUE,Saint-Jean-sur-Richelieu City QUE,Saint John City NB,Sarnia City ONT,Saskatoon City SASK,Sault Ste Marie City ONT,Shawinigan City QUE,Sherbrooke City QUE,St Catharines City ONT,St John's City NFLD,Sudbury (Greater Sudbury) City ONT,Thunder Bay City ONT,Toronto City ONT,Trois-Rivières City QUE,Vancouver City BC,Vernon City BC,Victoria City BC,Windsor City ONT,Winnipeg City Manitoba.

Countries & Areas Around The World

ad,Andorra ae,United Arab Emirates af,Afghanistan ag,Antigua and Barbuda ai,Anguilla al,Albania am,Armenia an,Netherlands ao,Angola aq,Antarctica ar,Argentina as,American Samoa at,Austria au,Australia aw,Aruba az,Azerbaidjan ba,Bosnia-Herzegovina bb,Barbados bd,Bangladesh be,Belgium bf,Burkina Faso bg,Bulgaria bh,Bahrain bi,Burundi bj,Benin bm,Bermuda bn,Brunei bo,Bolivia br,Brazil bs,Bahamas bt,Bhutan bv,Bouvet Island bw,Botswana by,Belarus bz,Belize ca,Canada cc,Cocos (Keeling) Islands cf,Central African Republic cg,Congo ch,Switzerland ci,Ivory Coast (Cote D'Ivoire) ck,Cook Islands cl,Chile cm,Cameroon cn,China co,Colombia com,Commercial cr,Costa Rica cs,Former Czechoslovakia cu,Cuba cv,Cape Verde cx,Christmas Island cy,Cyprus cz,Czech Republic de,Germany dj,Djibouti dk,Denmark dm,Dominica do,Dominican Republic dz,Algeria ec,Ecuador ee,Estonia eg,Egypt eh,Western Sahara er,Eritrea es,Spain et,Ethiopia fi,Finland fj,Fiji fk,Falkland Islands fm,Micronesia fo,Faroe Islands fr,France fx,France (European Territory) ga,Gabon gb,Great Britain gd,Grenada ge,Georgia gf,French Guyana gh,Ghana gi,Gibraltar gl,Greenland gm,Gambia gn,Guinea gp,Guadeloupe (French) gq,Equatorial Guinea gr,Greece gs,S. Georgia & S. Sandwich Isls. gt,Guatemala gu,Guam (USA) gw,Guinea Bissau gy,Guyana hk,Hong Kong hm,Heard and McDonald Islands hn,Honduras hr,Croatia ht,Haiti hu,Hungary id,Indonesia ie,Ireland il,Israel in,India io,British Indian Ocean Territory iq,Iraq ir,Iran is,Iceland it,Italy jm,Jamaica jo,Jordan jp,Japan ke,Kenya kg,Kyrgyz Republic (Kyrgyzstan) kh,Cambodia, Kingdom of ki,Kiribati km,Comoros kn,Saint Kitts & Nevis Anguilla kp,North Korea kr,South Korea kw,Kuwait ky,Cayman Islands kz,Kazakhstan la,Laos lb,Lebanon lc,Saint Lucia li,Liechtenstein lk,Sri Lanka lr,Liberia ls,Lesotho lt,Lithuania lu,Luxembourg lv,Latvia ly,Libya ma,Morocco mc,Monaco md,Moldavia mg,Madagascar mh,Marshall Islands mk,Macedonia ml,Mali
mm,Myanmar mn,Mongolia mo,Macau mp,Northern Mariana Islands mq,Martinique (French) mr,Mauritania ms,Montserrat mt,Malta mu,Mauritius mv,Maldives mw,Malawi mx,Mexico my,Malaysia mz,Mozambique na,Namibia nc,New Caledonia (French) ne,Niger net,Network nf,Norfolk Island ng,Nigeria ni,Nicaragua nl,Netherlands no,Norway np,Nepal nr,Nauru nt,Neutral Zone nu,Niue nz,New Zealand om,Oman pa,Panama pe,Peru pf,Polynesia (French) pg,Papua New Guinea ph,Philippines pk,Pakistan pl,Poland pm,Saint Pierre and Miquelon pn,Pitcairn Island pr,Puerto Rico pt,Portugal pw,Palau py,Paraguay qa,Qatar re,Reunion (French) ro,Romania ru,Russian Federation rw,Rwanda sa,Saudi Arabia sb,Solomon Islands sc,Seychelles sd,Sudan se,Sweden sg,Singapore sh,Saint Helena si,Slovenia sj,Svalbard and Jan Mayen Islands sk,Slovak Republic sl,Sierra Leone sm,San Marino sn,senegal so,Somalia sr,Suriname st,Saint Tome (Sao Tome) and Principe su,Former USSR sv,El Salvador sy,Syria sz,Swaziland tc,Turks and Caicos Islands td,Chad tf,French Southern Territories tg,Togo th,Thailand tj,Tadjikistan tk,Tokelau tm,Turkmenistan tn,Tunisia to,Tonga tp,East Timor tr,Turkey tt,Trinidad and Tobago tv,Tuvalu tw,Taiwan tz,Tanzania ua,Ukraine ug,Uganda uk,United Kingdom um,USA Minor Outlying Islands us,United States uy,Uruguay uz,Uzbekistan va,Holy See (Vatican City State) vc,Saint Vincent & Grenadines ve,Venezuela vg,Virgin Islands (British) vi,Virgin Islands (USA) vn,Vietnam vu,Vanuatu wf,Wallis and Futuna Islands ws,Samoa ye,Yemen yt,Mayotte yu,Yugoslavia za,South Africa zm,Zambia zr,Zaire zw,Zimbabwe

Federal Reserve Board Drops Citigroup Inc. Litigation

The Federal Reserve Board on Friday terminated all litigation against Citigroup Incorporated. A sigh of relief for all involved. You can read more on this issue here.

Below are some of enforcement actions the Federal Reserve can take when a private company is proven to be managing their business outside US laws and bi-laws.

Since August 1989, the Federal Reserve has made enforcement orders public in accordance with the Financial Institutions Recovery, Reform, and Enforcement Act of 1989.

Since November 1990, it has also made written agreements public in accordance with the Crime Control Act of 1990. The formal enforcement actions are made public through a press release that includes a copy of the order or agreement.

Formal enforcement actions taken by the Federal Reserve before August 1989 are not public.

The Federal Reserve supervises the following entities and has the statutory authority to take formal enforcement actions against them;

- Generally, the Federal Reserve takes formal enforcement actions against the above entities for violations of laws, rules, or regulations, unsafe or unsound practices, breaches of fiduciary duty, and violations of final orders. Formal enforcement actions include cease and desist orders, written agreements, removal and prohibition orders, and orders assessing civil money penalties.

- Edge and agreement corporations

- Branches and agencies of foreign banking organizations operating in the United States and their parent banks

- State member banks

- Bank holding companies

- Non-bank subsidiaries of bank holding companies

- Officers, directors, employees, and certain other categories of individuals associated with the above banks, companies, and organizations (referred to as "institution-affiliated parties")

Unsecured Business Capital Advances

I was asked by a good blogging friend (Terry Zulit) to do some research on unsecured business capital advances. This is of interest to me as well, as I know many self employed people that have opted to get one of these investment companies involved when the banks would not help with the growth of their companies.

As mentioned in Terry's post, I used the following sticking points when phoning and unwilling capital advance companies....they must:

• have no application fees
• have no hidden fees
• have no closing costs
• don't look at your financial statements
• don't ask to see your tax returns
• don't have fixed payments
• don't do personal or business credit checks
• must judge a company from it's future business plans
• must approve within 48 hours, and deposit funds within 10 business days
• must lend between $2000 and $250,000 US dollars
• must have a solid track record of providing unsecured capital to viable businesses
• must have personable customer service
• must be based in the United States

I spent most of my time on the phone, as the Internet never really gets you to the fine details of products and services. You really need to talk to representatives so you can get the full gist of their products and services.

My recommendation is.......drum roll please......the World Of Financing who have an online form that's easy to fill out and results in a phone call from a representative within one business day. Their representative company provides cash advances within all of the criteria Terry mentioned and I listed above. They provide capital advances of $2000 to $250,000.

You can see the page that has the online application form here. The form takes about 30 seconds to fill out and you will be in touch with a capital advance representative within 24 business hours. They don't charge sicko interest and they don't try and tell you what do to with your capital. I had a long talk with a few of their representatives and their customer service people where exemplary.

Read more here......

Kenny

Business Startup Plan - 2 For 1

I was visiting one of my favorite sites for entrepreneur information and news this morning and they had a good article on business startups. In particular I enjoyed reading the note about buying an existing company with an existing cash flow. I would like to add a little to this idea.

When I first started out trying to make money with my online and off-line business model, I never would have opted for buying someone's existing web site or blog. I would never have put up money to start my business because I was like most Internet entrepreneurs in that I was a coward. Sounds like a sick comment to say that Internet entrepreneurs are cowards, but let's face it; when your expenses and overhead for startup are only 7 dollars a month (if that) for your web hosting and domain, you aren't taking any risk.

If I had to do it again, I would have considered buying an existing business, but this is how I would do it.

• I would only buy the business if it came with training
• I would only buy it if it had a proven and consistent cash flow that I could monitor

On the first bullet I'm getting at the learning curve. The old saying applies to my own experience; "if I knew then what I know now I would be further ahead". If you can arrange to tutored or taught how to run the business as part of the deal for buying the business, you are WAY ahead. As a matter of fact, even if you learned the art of that business and then flipped it back on the market, the education would have been MORE than worth it.

• in the end, it comes down to your knowledge on how to build a site or blog (or bricks and mortar business)
• how to maintain traffic flow
• how to convert that traffic
• how to choose products and services that convert well
• how to utilize resources for the lowest possible price
• how to best utilize resources for the biggest possible gain for all of the above
• how to choose a business category
• how to understand the market's vectors
• how to understand a markets potential
• how to diversify any business that is up and running
• how and when to outsource

If I've learned anything since I've been online, it's that the education and knowledge we gain is far more important that than present cash flow of your business. Once you understand how to repeat a successful startup, you can basically print money.

So when you are shopping around for a business model to buy into, get a 2 for 1 deal. You buy only if it comes with expertise they are willing to bring your way.

From Employee To Self Employed

First of all, when you become self employed you need to look at debt with a completely different lense. If you run your business in debt during the slow part of your business season, it's not really time to panic. At least that is what I try to tell myself ;-)

The interest you pay on your line of credit, or operating line, can be written off at different percentages, depending on the tax laws in your, state, province, or country. If you are used to being an employee, you will likely squirm at the thought of having a red balance on your line of credit, but you need to get over it and start thinking in terms of running a company.

Many companies, large and small, service a large debt and they service that debt sometimes until they sell off the company. Yep, sometimes they run in the hole during their entire existence. That is why we refer to some folks as being rich on paper, but can't really afford to be summering in France. Of course when a healthy company is sold, the owners are often green with wealth.

The main thing is that your company has a cash flow that is healthy over the year. Try not to get too wrapped up if your cash flow does not cover your expenses for one particular month. As long as the busy months make up for it, you are doing just fine.

What ever you do, don't look at your business based on one day. When I first became self employed I would sometimes judge my business based on ONE HOUR! Now if that's a not a recipe for self-induced stress, especially when you are on your own and you've been used to getting a check from an employer every two weeks. Personally, I'm starting to understand how the self-employment gig goes, but it's been an adjustment for sure.

Make Sure You Hire Professionals For Your Accounting

One thing you can do to reduce your concerns, is hire professional accountants and bookkeepers. I know that many people become self-employed try and do their own accountanting and bookkeeping, as well as their own tax return preparations. I'd advise against that choice.

In the long run, these professionals can save you much more than what you save doing all the bean counting yourself. Besides, the time you spend pulling your hair out with a calculator and a mountain of paper, you could be creating more revenue streams. Do what you do best and hire someone to do what you despise doing. Of course, if you enjoy doing books and tax returns, that's a different stroy - fill your boots. Personally, I would rather pay experts for that work, and spend my time increasing revenue.

When you are done at year end you can see all of your expenses and all of your income meticulously prepared for the taxman. You can see how a large percentage of your costs are legitimate tax write-offs, and how the interest you paid on your line of credit can be part of those tax write-offs.

It Takes Time To Really Judge Your New Company

Once you become fully self-employed, you'll need to be operating for some time before you see where you are at. Until you've had a year end, you won't really have an accurate picture of where your business's financial health is at. Sometimes you just have to put your head down and work hard, when you feel uncertain of your business future. Sometimes is just luck, so we have to bear down on the tasks of the day, and go for it!

If you find that in the first couple of years you don't make any profit, but barely keep the lights on and food in the fridge, try not to panic. This is normal - actually it better than normal - some businesses run deep in the red for many years, before they see a cent of actual profit. If in the first year of running your business, you are paying down all your costs and you have enough to live off, and don't run any personal debt, YOU ARE WINNING BIG TIME!

Don't burn yourself out with over-work and over-worry. Just work smarter and not harder as you go along. Focus on what avenues really make the money, and maintain a consistent level of growth.

Keyword Market Vectors - Blogging Markets

The law of life is that when someone is flying high, others will be crawling slow - and all fortunes can be reversed in the blink of an eye.

I've been spending allot of time lately studying the different traffic levels for the most popular product and service keywords. There are literally thousands of extremely popular markets (and keywords) making the decision which keyword market to compete for is difficult. Yes, there are fancy (and so fancy) databases available that supposedly tell you which keywords pay the most in the Adsense realm, but you really don't know until you have launched a site and tested it for real. Meaning real traffic from real people who really looking for a product or service.

What I've found interesting is watching the popular keyword searches fluctuate from month to month. For example; school supplies is a query made in massive proportion during August and September, but drops off considerably in October. I could list many many more, but you get the point. This is why diversification can be so important.

If I was to start all over with this Internet income challenge, I would have built maybe 4 big blogs (instead of 40 little sites or blogs) and I would have chosen 4 keyword markets that cover the seasonal patterns. Now I know those reading this would say the flies directly in the face of our initial tutorials on Money Traffic, but those tutorials just demonstrate a method of testing various keyword markets. Yes, you can also make some good money using the tutorial method (using Blogger accounts to create high quality blogspot blogs), but when you are really going to build a massive resource you should be using a domain name you own, and a quality web hosting server.

So I would suggest newcomers use the Money Traffic tutorials to get started with an all free option, so they can learn how to blog easily, learn how to create partnerships with other bloggers, and learn how monetize their pages. I would test a handful of keyword markets, and then find one that pays very well with Adsense, and perhaps as high converting merchant. Then once you have the winning blog established, buy your own domain name and hosting, and run a MONSTER blog on that topic. I don't suggest trying make a blog that just talks about how to blog for money though - people who visit sites like this one don't often click ads and they don't usually convert sales. I would build your monster blog around a basic product or service that normal people look for, and not around products or services that us Internet savvy types seek. (just my opinion here folks - to do well selling to people who are learning to sell, you have to have some serious clout)

Anyway, off to my other blogs. Got a ton of work to do today!!!

Kenny