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	<title>Penny Seeds &#187; PennySeeds.com &#8211; Personal finance &#8211; Make money online, save money, manage your money better.</title>
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	<link>http://www.pennyseeds.com</link>
	<description>Plant A Penny - Grow A Dollar</description>
	<lastBuildDate>Thu, 17 May 2012 15:23:00 +0000</lastBuildDate>
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		<item>
		<title>Investing In Gold &#8211; And Other Non Liquid Assets</title>
		<link>http://www.pennyseeds.com/investing/investing-in-gold-and-other-non-liquid-assets/</link>
		<comments>http://www.pennyseeds.com/investing/investing-in-gold-and-other-non-liquid-assets/#comments</comments>
		<pubDate>Thu, 17 May 2012 15:23:00 +0000</pubDate>
		<dc:creator>ewoodesign</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[investing in gold]]></category>

		<guid isPermaLink="false">http://www.pennyseeds.com/?p=1731</guid>
		<description><![CDATA[Investing in gold is often seen as a fear tactic, but having non-liquid assets can be a good move for your investment portfolio if done correctly. Now, I&#8217;m not saying you should run and hide all your money in the backyard, but gold has been a solid investment historically. Whenever the economy has a downward spiral people run to invest in things they believe will hold value. The truth is that nothing is guaranteed. The only thing you can do is prepare yourself by being diversified in many investment vehicles. Gold can be one of those vehicles for you. You can even invest in virtual gold with some of the many online gold brokers. Many people think this defeats the purpose of having gold, but if you don&#8217;t want to store it yourself it&#8217;s a good option. It&#8217;s like owning shares in precious metals that are kept in a secure location for you. If you want to purchase gold yourself you can try the US Money Reserve to buy gold coins and bullion. People invest in gold for the same reason they invest in currency. They want to make money on the downfall of another investment. All investments are driven by optimism and fear. If you want to hedge against losses on stocks or property you could purchase precious metal investments, business investments, or even other items. Some people even invest in wine or fine art. Which they turn around and sell if they need cash. Non-traditional investments like these are less convenient because they need to be stored or in the case of property even have taxes or upkeep costs. However, property costs can be off set if you rent or lease them to others while you wait for their value to mature. If purchased at a low point (like you should with any investment) a return on gold can be had with proper timing and patience. If you invested in gold in the year 2000 when it was at an average of $280 and held on during the financial collapse in 2008 you could&#8217;ve sold it for as much as $1,100. Depending on the amount of your investment this could have been a pretty penny.]]></description>
		<wfw:commentRss>http://www.pennyseeds.com/investing/investing-in-gold-and-other-non-liquid-assets/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Upgrading IT Support For Your Online Business</title>
		<link>http://www.pennyseeds.com/business/upgrading-it-support-for-your-online-business/</link>
		<comments>http://www.pennyseeds.com/business/upgrading-it-support-for-your-online-business/#comments</comments>
		<pubDate>Thu, 17 May 2012 14:22:28 +0000</pubDate>
		<dc:creator>ewoodesign</dc:creator>
				<category><![CDATA[Business]]></category>
		<category><![CDATA[it support]]></category>

		<guid isPermaLink="false">http://www.pennyseeds.com/?p=1723</guid>
		<description><![CDATA[There comes to a point when your online business needs to scale. There are lots of people who want to run every area of their business themselves, and it&#8217;s just not realistic. If you want your business to continue to grow then you eventually will need to outsource tasks to other parties or people. If hiring employees is not your cup of tea or in your budget you can easily send these tasks to other companies. Normally one of the first outsourcing tasks is your technical support. If your site is large enough to warrant your own VPS servers you&#8217;ll soon learn the difference between budget and expensive hosting plans. A budget plan is normally un-managed. This means you&#8217;ll have to do a lot of server tasks that you didn&#8217;t on your shared hosting plan. This might be okay to start out with but you&#8217;ll soon learn you need help. If you&#8217;d like to outsource your server management or trouble shooting your in office hardware try searching for your city in Google with something like &#8216;it support in london&#8216;. You&#8217;ll come up with a range of companies that can fulfill your needs. Even if you can&#8217;t there are a lot of computer IT problems that can be solved remotely. Unless you need a physical replacement of parts in your server or work computers it can most likely be done online via a remote desktop application. This gives you the freedom of price and choice of company anywhere in the world. You can also hire a company like this to manage your back ups or emails. Many times your computer houses very important data for your business. Customer records, contacts, service bills, ect. If these are lost it could be catastrophic. An off site back up gives you a lot of peace of mind. If your IT company also houses your virtual server infrastructure it can save your business a lot of cash too. If your servers are in house you have to worry about hardware, software, up-time, management, and space to house them. This gets expensive quickly. By having an IT company manage this for you it drops your costs dramatically. Even if you need fully fledged servers you can purchase them and have them stored and managed off site for you.]]></description>
		<wfw:commentRss>http://www.pennyseeds.com/business/upgrading-it-support-for-your-online-business/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Wealth Management &amp; Corporate Financial Planning</title>
		<link>http://www.pennyseeds.com/business/wealth-management-corporate-financial-planning/</link>
		<comments>http://www.pennyseeds.com/business/wealth-management-corporate-financial-planning/#comments</comments>
		<pubDate>Wed, 16 May 2012 11:23:12 +0000</pubDate>
		<dc:creator>ewoodesign</dc:creator>
				<category><![CDATA[Business]]></category>

		<guid isPermaLink="false">http://www.pennyseeds.com/?p=1719</guid>
		<description><![CDATA[With many countries in the midst of an economic crisis, it doesn’t take a genius to figure out that financial planning is of great importance to any business. But why risk your business planning your finances yourself when you could leave it to the experts? Often when running a business people can get so involved in their work that they may miss potential opportunities. Management companies such as EBC can look at your business from the outside, and use their knowledge and experience to highlight areas of improvement. Wealth management companies can help you manage your assets in a variety of ways. EBC can advise on growing your business and then sustaining it, improving the organisation and planning whilst ensuring the business functions in a tax efficient way. This is important not only to make sure your business operates to make a great profit, but with many regulations seemingly continuously changing, management companies will advise your company so that it stays within the law. It is essential to any business that they have the right staff to do the job &#8211; nobody wants a plumber undertaking brain surgery. Management companies can help with these staff issues, not only making sure the right staff are hired but ensuring the best staff are kept, by providing development opportunities and rewards to make them realise that it is you they want to work for. If you keep your employees happy you’ll have a far better chance of succeeding than you would otherwise do. EBC will help manage your wealth and minimise the risk. When it comes to selling up and moving on, EBC can also lend a hand, helping with the complicated financial, tax and legal transfers that comes with the succession of a business. Wealth management and financial planning companies such as EBC can help to manage your business as a whole, ensuring it runs like a well-oiled machine. Click here to find out more]]></description>
		<wfw:commentRss>http://www.pennyseeds.com/business/wealth-management-corporate-financial-planning/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How To Make Money As An Affliate Marketer</title>
		<link>http://www.pennyseeds.com/make-money-online/how-to-make-money-affiliate-marketing/</link>
		<comments>http://www.pennyseeds.com/make-money-online/how-to-make-money-affiliate-marketing/#comments</comments>
		<pubDate>Wed, 16 May 2012 04:26:41 +0000</pubDate>
		<dc:creator>ewoodesign</dc:creator>
				<category><![CDATA[Make Money Online]]></category>
		<category><![CDATA[affiliate marketing]]></category>

		<guid isPermaLink="false">http://www.pennyseeds.com/?p=62</guid>
		<description><![CDATA[How to make money online is always a hot subject with search engines. There's a million get rich quick schemes on the internet that leave many people feeling frustrated, and down. While, it may seem like the only people making a buck are the no good scammers there are a good few who make a living in this business!]]></description>
		<wfw:commentRss>http://www.pennyseeds.com/make-money-online/how-to-make-money-affiliate-marketing/feed/</wfw:commentRss>
		<slash:comments>17</slash:comments>
		</item>
		<item>
		<title>Cash, Credit Cards, and How You Buy</title>
		<link>http://www.pennyseeds.com/bills-and-paperwork/cash-credit-cards-and-how-you-buy/</link>
		<comments>http://www.pennyseeds.com/bills-and-paperwork/cash-credit-cards-and-how-you-buy/#comments</comments>
		<pubDate>Tue, 15 May 2012 20:01:50 +0000</pubDate>
		<dc:creator>ewoodesign</dc:creator>
				<category><![CDATA[Bills and Paperwork]]></category>
		<category><![CDATA[Featured]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[over spending]]></category>

		<guid isPermaLink="false">http://www.pennyseeds.com/?p=1714</guid>
		<description><![CDATA[Researchers have been telling us since the late 1970s that customers who use a credit card to make a purchase are more likely to spend more than customers who are using cash. Over the years, there have been a number of new ways we’ve come to understand exactly why this is and how it works. Recently, however, some research suggests that there is a direct connection between the method you choose to use to pay for something and how much you spend. Professors Promothesh Chatterjee and Randall Rose of the University of Kansas and the University of South Carolina respectively researched the way that consumers responded to a variety of benefit- and cost-related ideas, based on whether the customers were primed to use cash or credit. Here’s a summary of what they discovered: Customers who were primed for credit cards responded more quickly to benefit related ideas than customers who were primed for cash. On the other hand, customers who were primed for cash responded more quickly to cost related ideas than credit primed customers. Credit primed customers had greater recall of words related to benefits, while cash primed customers had greater recall of words related to costs. Cash customers were able to recognize all sorts of cost-related ideas, including things like the purchase price, installation or delivery fees, warranty costs, and even time-related costs such as time to install. Credit card customers were more likely to make a purchase based on benefits. They made many recall errors in terms of cost. Customers can be primed for credit by a retailer. The implications of this research reinforce much of what we already know about the way we make purchases. For consumers, it suggests: Intending to use cash and ignoring credit-related promotions and ideas will allow you to focus more on the actual cost of the item you’re looking at, although you may miss out on recognizing some of the benefits. If you want to buy the best in breed of a product, paying cash may talk you out of it. Because you experience what’s known as the “pain of payment” – watching your cash supply decrease as you pay. For businesses, there are implications, as well: Priming customers for credit by placing credit card stickers on the doors, having credit offers in the store, and using visible credit card signs at the register can all help to prime customers for credit, even if they came in without having decided what method of payment to use. Accepting credit cards means, in the long run, that customers are going to be more interested in benefits over price. That means higher sales when credit cards are accepted. How and why we buy the things that we buy is the result of a hundred different factors. Even your chosen payment method determines, to some degree, how you shop. Think about how you want to pay before you actually make your purchases, and choose the payment method that best fits your particular goal with that purchase. David Rodwell is a]]></description>
		<wfw:commentRss>http://www.pennyseeds.com/bills-and-paperwork/cash-credit-cards-and-how-you-buy/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Expanding Your Business With A Non-Geographic Telephone Number</title>
		<link>http://www.pennyseeds.com/business/expanding-your-business-with-a-non-geographic-telephone-number/</link>
		<comments>http://www.pennyseeds.com/business/expanding-your-business-with-a-non-geographic-telephone-number/#comments</comments>
		<pubDate>Sun, 13 May 2012 22:09:53 +0000</pubDate>
		<dc:creator>ewoodesign</dc:creator>
				<category><![CDATA[Business]]></category>
		<category><![CDATA[Featured]]></category>
		<category><![CDATA[non-geographic telephone numbers]]></category>

		<guid isPermaLink="false">http://www.pennyseeds.com/?p=1706</guid>
		<description><![CDATA[So, you have an online business that is growing readily. The great thing about being in business online is that your reach is virtually limitless. Where a brick and mortar store could succeed or fail based solely on location &#8211; you have the power to thrive anywhere. If you feel you&#8217;ve expanded to the point you need to add phone services it could be challenging though. Communicating with other countries can be costly. Also, it could look poorly if you have a local number to international clients. They may feel uneasy calling a foreign number or be afraid of costs for themselves. Having your own 0800 numbers uk could be one of the best business moves you ever make. You can easily have multiple numbers for each country you do business with. This could be a number for the states, one for the UK, and one for Australia. This all depends on your target market. This solution can be much more affordable than you think &#8211; in fact you can even make money on it. Numbers beginning 0844 or 0871 are revenue sharing numbers. If using this type of number your incoming calls can be used as a shared revenue source with your provider. So, your calls can be discounted greatly which affects your bottom line. You can also use different numbers to test returns on your marketing efforts. Could be especially useful if you&#8217;re placing pricey magazine ads, pay per click campaigns, or banner advertisements on websites. It&#8217;s always important to track where you&#8217;re spending money, how much you&#8217;re spending, and how much you&#8217;re making in return. Using a service like this can also help you manage your incoming calls better. You can gather statistics for hang ups, re-direct callers to appropriate lines, and make sure they get to the right departments quickly. All this helps in your customer service and the image you gain with clients. This can be a great cost saver for start ups who typically have a small investment when they&#8217;re trying to get the ball rolling in their new business venture. This type of service will allow you the room you need to grow without taking away all your capital you need to invest back into your business.]]></description>
		<wfw:commentRss>http://www.pennyseeds.com/business/expanding-your-business-with-a-non-geographic-telephone-number/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Beginners Guide on Making Passive Income with Infobarrel</title>
		<link>http://www.pennyseeds.com/make-money-online/beginners-guide-on-making-passive-income-with-infobarrel/</link>
		<comments>http://www.pennyseeds.com/make-money-online/beginners-guide-on-making-passive-income-with-infobarrel/#comments</comments>
		<pubDate>Sun, 13 May 2012 20:20:23 +0000</pubDate>
		<dc:creator>ewoodesign</dc:creator>
				<category><![CDATA[Make Money Online]]></category>
		<category><![CDATA[info barrel]]></category>
		<category><![CDATA[sites that pay for content]]></category>

		<guid isPermaLink="false">http://www.pennyseeds.com/?p=1702</guid>
		<description><![CDATA[Everyday a lot of people are searching for different ways to make money online without cost. Some of the best and easiest ways is with Google Adsense revenue. Infobarrel is surely an user generated content website similar to Hubpages. However, Infobarrel offers quite a bit more advantages to making money from Adsense. 1. Infobarrel offers 75% of Adsense revenue generated, which is definitely a lot higher than similar websites. 2. Infobarrel has tougher guidelines for articles and extremely makes certain that they get quality over quantity. It will help prevent their site transforming into a spam site with a bunch of useless articles. These strong guidelines also benefit search engines like Google, who puts lots of value into infobarrel articles. 3. Infobarrel can also be somewhat new, comparing it to many other sites like ehow or Squidoo. This is often described as an advantage or disadvantage taking a look at website traffic. Websites like ehow and Squidoo may have an increased amount of traffic but infobarrel counters this by having fewer articles to fight with over your Keywords. It is possible to be the only article with regards to a topic on infobarrel, where on Squidoo there may be 50 articles of the same subject, all competing for views. Considering that we all know some great benefits of writing for Infobarrel, let’s look at all the best ways to help make money. The vital thing you will want is surely an Infobarrel account and that is free and simple to sign up for. Go to the following website link and fill out the registration form. Infobarrel.comSignup Form Step 1# Once you have your account first you need to  make sure you link you Google Adsense account with your infobarrel account. This is really easy all you have to do is enter your Adsense ID on your Infobarrel account page just in case you don&#8217;t have a Google Adsense account yet, go here and sign up. Step 2# Write articles, I recommend to start with something that you&#8217;re interested in. Be sure that it is at least 400 words, in order that it gets indexed. I&#8217;d personally also suggest setting a tiny goal on your own like 1 or 2 articles per day and after that gradually increase that if you find the time. Why you are writing would be to make money and the  easiest way to accomplish this, is always to have a lot of content. It is important to put up articles which are informative and interesting to study, nobody will read articles that are useless and dull. Step 3# Now that you have a couple of articles up you should start writing niche articles. What I’m saying by that is that you prefer to start writing articles that are centered around a favorite keyword or search phrase. An example of this is &#8220;Make Money Online,&#8221; that is a highly searched phrase but it also has a lot of competition. What you need to try and do is]]></description>
		<wfw:commentRss>http://www.pennyseeds.com/make-money-online/beginners-guide-on-making-passive-income-with-infobarrel/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Hidden Costs For First Time Home Owners &#8211; How Much House Can You Afford?</title>
		<link>http://www.pennyseeds.com/real-estateproperty/first-time-home-owners-how-much-house-can-you-afford/</link>
		<comments>http://www.pennyseeds.com/real-estateproperty/first-time-home-owners-how-much-house-can-you-afford/#comments</comments>
		<pubDate>Sun, 13 May 2012 04:10:49 +0000</pubDate>
		<dc:creator>ewoodesign</dc:creator>
				<category><![CDATA[Real Estate/Property]]></category>
		<category><![CDATA[home loans]]></category>
		<category><![CDATA[home ownership]]></category>
		<category><![CDATA[real estate]]></category>

		<guid isPermaLink="false">http://www.pennyseeds.com/?p=89</guid>
		<description><![CDATA[Even if you've checked your credit, and ran the numbers you may still be under estimating the cost for getting your own home. Here's a few things to look out for that may cost you a pretty penny. Being a first time home owner is no picnic. If you're looking to invest in real estate there's a lot of hidden fees that can sneak up on you. The little fees will help you in your final decision of "how much home can you afford?"]]></description>
		<wfw:commentRss>http://www.pennyseeds.com/real-estateproperty/first-time-home-owners-how-much-house-can-you-afford/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>Could You Benefit From An Individual Voluntary Arrangement?</title>
		<link>http://www.pennyseeds.com/bills-and-paperwork/could-you-benefit-from-an-individual-voluntary-arrangement/</link>
		<comments>http://www.pennyseeds.com/bills-and-paperwork/could-you-benefit-from-an-individual-voluntary-arrangement/#comments</comments>
		<pubDate>Sat, 12 May 2012 15:42:10 +0000</pubDate>
		<dc:creator>ewoodesign</dc:creator>
				<category><![CDATA[Bills and Paperwork]]></category>
		<category><![CDATA[individual voluntary arrangements]]></category>

		<guid isPermaLink="false">http://www.pennyseeds.com/?p=1699</guid>
		<description><![CDATA[Individual voluntary arrangements are instances in which a debtor and the creditor come to an agreement to settle a debt for a specified amount. This is good for the debtor in that they can usually get out of a good percentage of their debt without filing for complete bankruptcy or going deeper into default. This is also a legally binding agreement for you and the creditor. So, they can&#8217;t pursue the debt again after you&#8217;ve paid the amount you&#8217;ve settled for. Even your original debt was significantly more then your new payment. You can also get on a payment plan which will let you repay slowly if you don&#8217;t have a lump sum for the debt. This gives you a chance to rebuild, but what does it give the creditor? Most people who bankrupt will pay nothing and the lender will take a large loss on that account. By agreeing to a payment plan and negotiating with the debtor they at least get something for the debt even if it&#8217;s significantly less than they originally had. Chances are you&#8217;ve already paid them a good amount of it back to them in interest unless you&#8217;ve defaulted very early on in your loan. You can also continue to do business and keep living in your home this way and could get out of paying for high interest rates that just keep building on your debt. This is extremely valuable because it keeps from digging you deeper into the debt hole you&#8217;re in. IVA&#8217;s were originally invented to assist individuals whose business ventures went belly up. Many people choose this option now for personal debt in order to protect costly assets like homes and vehicles. While these items are in danger during bankruptcy they can be protected with a voluntary arrangement. If you&#8217;re interested in seeking this option you&#8217;ll need to find a licensed insolvency practitioner who will represent your case and approach creditors for you. This paper work will then be put to a vote by the creditors and if approved you will begin to work out negotiations to lessen your debt and provide a payment plan. Be aware you will have to pay a fee to your representative for your case &#8211; typically  £1,000-£1,500.]]></description>
		<wfw:commentRss>http://www.pennyseeds.com/bills-and-paperwork/could-you-benefit-from-an-individual-voluntary-arrangement/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Eight things you could do with the new home owner&#8217;s credit!</title>
		<link>http://www.pennyseeds.com/real-estateproperty/eight-things-you-could-do-with-the-new-home-owners-credit/</link>
		<comments>http://www.pennyseeds.com/real-estateproperty/eight-things-you-could-do-with-the-new-home-owners-credit/#comments</comments>
		<pubDate>Thu, 10 May 2012 04:07:14 +0000</pubDate>
		<dc:creator>ewoodesign</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[Real Estate/Property]]></category>
		<category><![CDATA[$7500 tax credit]]></category>
		<category><![CDATA[buying a new home]]></category>
		<category><![CDATA[housing credit]]></category>
		<category><![CDATA[new home buyers]]></category>
		<category><![CDATA[tax return]]></category>

		<guid isPermaLink="false">http://www.pennyseeds.com/?p=70</guid>
		<description><![CDATA[I was originally very critical of the new 'tax credit', because of the wording which lead people to believe it was free money. While I am in the market for a new home in the time period where it's claimable - I'd thought about NOT doing so just, because it's a loan, and not really a 'credit'. I've been thinking about it more, and I've come up with this list of things you could use a $7,500 interest free loan for!]]></description>
		<wfw:commentRss>http://www.pennyseeds.com/real-estateproperty/eight-things-you-could-do-with-the-new-home-owners-credit/feed/</wfw:commentRss>
		<slash:comments>8</slash:comments>
		</item>
		<item>
		<title>Using Claims Resolution To Claim PPI</title>
		<link>http://www.pennyseeds.com/bills-and-paperwork/using-claims-resolution-to-claim-ppi/</link>
		<comments>http://www.pennyseeds.com/bills-and-paperwork/using-claims-resolution-to-claim-ppi/#comments</comments>
		<pubDate>Wed, 09 May 2012 06:04:41 +0000</pubDate>
		<dc:creator>ewoodesign</dc:creator>
				<category><![CDATA[Bills and Paperwork]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[payment protection insurance]]></category>
		<category><![CDATA[ppi]]></category>

		<guid isPermaLink="false">http://www.pennyseeds.com/?p=1694</guid>
		<description><![CDATA[If you (like me) have been hearing about PPI all over the place, whether it’s on TV, on the radio, in the newspaper, or even just hearing friends talking about it, it seems at the moment PPI is the one thing that you can’t seem to get away from. Well, it’s not something you want to get away from; it’s something that’s definitely worth finding out more about and seeing whether you actually could be owed all those thousands that these adverts are talking about after all! PPI, abbreviated for payment protection insurance, is something that people were getting mis-sold on loans, credit cards, mortgages, and even store cards. The idea of it was you paid a certain amount each month on top of your standard monthly payments, to cover payments on these, when you for whatever reason, couldn’t do so yourself, such as loss of job, or an injury preventing you from working. However, when a lot of people found themselves in those situations and tried claiming on their policy, they were to find these claims rejected. For example, a lot of self-employed borrowers were encouraged to take out a PPI policy in case their business went under and they were unable to make a payment, however when it came to it and they did try to make a claim, the majority of vendors were rejecting these claims, as PPI ‘didn’t cover that sort of loss’. Which begs the question, if this was the case and a supposedly valid claim was rejected, then why were banks attaching payment protection insurance to these loans? Self-employed people weren’t the only ones to be mis-sold payment protection insurance though, plenty of people were hit hard by this scam, people with sick-pay schemes at work, housewives and retired lenders were all landed with PPI on their loans when it wasn’t needed, meaning they were paying for insurance that they couldn’t even claim on. So I bet you’re sitting here now wondering; how do I know whether I’ve been paying PPI? And more importantly, how do I go about getting it back?! Don’t worry about that for a second. Claim Resolution, part of the Claims Advisory Group at the minute claim back over £2 million per month in compensation on mis-sold payment protection insurance, whether that’s on loans, credit cards, mortgages or store cards. Claim Resolution work on any claim you make (providing it’s been within the last ten years) and also work on a no-win no-fee basis, meaning if your claim does come back unsuccessful, you won’t have to pay a penny. So contact Claim Resolution, part of the Claims Advisory Group, to get your claim up and running. Once everything is good to go, all you have to do is sit back and wait for your potential claim to clear into your bank, and all in a risk-free process. Claim Resolution, part of the Claims Advisory Group, specialise in assisting you with your PPI claim, and also on giving you tips on]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Why Blending Your Ads Will Hurt You</title>
		<link>http://www.pennyseeds.com/make-money-online/why-blending-your-ads-will-hurt-you/</link>
		<comments>http://www.pennyseeds.com/make-money-online/why-blending-your-ads-will-hurt-you/#comments</comments>
		<pubDate>Mon, 07 May 2012 03:42:30 +0000</pubDate>
		<dc:creator>ewoodesign</dc:creator>
				<category><![CDATA[Make Money Online]]></category>
		<category><![CDATA[Marketing]]></category>
		<category><![CDATA[ads]]></category>
		<category><![CDATA[advertising]]></category>
		<category><![CDATA[pay per click advertising]]></category>
		<category><![CDATA[PPC]]></category>

		<guid isPermaLink="false">http://www.pennyseeds.com/?p=431</guid>
		<description><![CDATA[For a long time I was obsessed with making my ads blend seamlessly into the background of my site. However, I don't think this was a good option! Recently I got annoyed with my ads so I threw up an ad widget that was really noticeable and really didn't match my color scheme at all. The thing about it though was it stuck out. It made people notice my ads. I got more clicks.]]></description>
		<wfw:commentRss>http://www.pennyseeds.com/make-money-online/why-blending-your-ads-will-hurt-you/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<item>
		<title>The Effects Of Social Media Marketing On Your Business</title>
		<link>http://www.pennyseeds.com/business/the-effects-of-social-media-marketing-on-your-business/</link>
		<comments>http://www.pennyseeds.com/business/the-effects-of-social-media-marketing-on-your-business/#comments</comments>
		<pubDate>Sat, 05 May 2012 00:55:22 +0000</pubDate>
		<dc:creator>ewoodesign</dc:creator>
				<category><![CDATA[Business]]></category>
		<category><![CDATA[Marketing]]></category>
		<category><![CDATA[social media marketing]]></category>

		<guid isPermaLink="false">http://www.pennyseeds.com/?p=1689</guid>
		<description><![CDATA[Social media is big business these days. Every company from indie brands to top store chains are talking on Twitter and Facebook. Why? Because social media has a profound effect on return on investment for a company. This is the first time that companies, celebrities, and brands have the power to talk directly to their customers via the web. Many businesses are using this method to address concerns, gather feedback, or just interact and make customers feel more at ease! A social media marketing company can help your business achieve these results. Keeping in touch via Facebook or Twitter is like a constant life line for your business. Users check these data stream religiously and daily. So, by updating frequently you can be in constant contact with them by offering new products or promotions. While an e-mail may go ignored it&#8217;s much easier for users to interact via your social networking profiles. Simply by liking or sharing your product one person can have a reach of several hundred. Since that item is then shared will all their friends exposure grows quickly in social networking circles. Especially if you create some sort of coupon, discount, contest, or other advantage to promote sharing. Popular online gaming platforms like Farmville and Draw Something have seen huge gains by being involved with Facebook. Usually, to get more items or have others to play with people have to share the game, and they do. The huge amount of followers of these programs should show you the power of social networking. You can harness that for your business as well no matter what industry you are in. If people are passionate about your industry like you are about your business then it&#8217;s worth sharing. Even for small businesses like mechanics or plumbers. Facebook users who are happy with your work can give local recommendations to others in their neighborhood and give you a solid thumbs up on their profiles. You can even make certain content that is only un-lockable by sharing or liking your page. I find this to be a great strategy personally. If you have an ecommerce store on the Magento platform there&#8217;s even a plugin that does just this! In order to get a coupon the user has to share that sale/product on Facebook!]]></description>
		<wfw:commentRss>http://www.pennyseeds.com/business/the-effects-of-social-media-marketing-on-your-business/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<item>
		<title>Adbeans Review &#8211; My opinion of the adbeans network</title>
		<link>http://www.pennyseeds.com/reviews/adbeans-review-my-opinion-of-the-adbeans-network/</link>
		<comments>http://www.pennyseeds.com/reviews/adbeans-review-my-opinion-of-the-adbeans-network/#comments</comments>
		<pubDate>Fri, 04 May 2012 03:36:05 +0000</pubDate>
		<dc:creator>ewoodesign</dc:creator>
				<category><![CDATA[Reviews]]></category>
		<category><![CDATA[adbeans review]]></category>

		<guid isPermaLink="false">http://www.pennyseeds.com/?p=764</guid>
		<description><![CDATA[I started using the adbeans network recently, and I&#8217;m still fairly happy with them. I have a couple of gripes, but I think they might go away as their network grows bigger. Since there doesn&#8217;t seem to be a lot of information online for this service I decided to make a fair review of them after I&#8217;ve used them for a while. If you don&#8217;t know about adbeans you can check them out here. So far I&#8217;ve made about $196.00 from their website. Pros &#8212;&#8211; Easy integration &#8211; They have a wordpress plugin and solutions for pretty much any type of coding immaginable so it&#8217;s really easy to get started with their program. Decent payout &#8211; They pay decently for the links. You won&#8217;t be getting a $0.10 or anything ridiculous like that. Affiliate program &#8211; They have an affiliate program where you can sign up other webmasters. Low payout minimum &#8211; You can withdraw your balance any time you have over £20 in your balance which you&#8217;ll probably reach after two links. They pay via Paypal. &#8211; Yay! Attentive staff &#8211; The rep spent a good while telling me about the program via e-mail, and after my last post on Adbeans I was contacted by their media specialist who gave me an opportunity to do a &#8216;blended&#8217; special post which was nice. Cons &#8212;&#8212;- Amount of keywords &#8211; I currently have one keyword left in my account. Payments &#8211; It takes a good two weeks after your &#8216;withdrawal&#8217; for the finance department to send your payment, and you can only withdraw money from your account once every 30 days. (Even if you&#8217;re over the £20 threshold) Website &#8211; You can&#8217;t even register for your own account. A representative has to do it for you. This part could use some work. But I believe they&#8217;re making a move from another platform or whatnot. So this could be in the works. I like Adbeans program very much and hope they continue with this service. I&#8217;m sure they will be able to grow a lot in the future. Originally posted 2011-07-29 12:12:20. Republished by Blog Post Promoter]]></description>
		<wfw:commentRss>http://www.pennyseeds.com/reviews/adbeans-review-my-opinion-of-the-adbeans-network/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<item>
		<title>Lowering The Cost Of Prescription Eyewear</title>
		<link>http://www.pennyseeds.com/savings/lowering-the-cost-of-prescription-eyewear/</link>
		<comments>http://www.pennyseeds.com/savings/lowering-the-cost-of-prescription-eyewear/#comments</comments>
		<pubDate>Thu, 03 May 2012 22:57:56 +0000</pubDate>
		<dc:creator>ewoodesign</dc:creator>
				<category><![CDATA[Savings]]></category>
		<category><![CDATA[cheap contacts]]></category>
		<category><![CDATA[cheap glasses]]></category>

		<guid isPermaLink="false">http://www.pennyseeds.com/?p=1686</guid>
		<description><![CDATA[If you&#8217;re a little on the blind side like me then you may be putting off getting new glasses for a number of reasons. The first being laziness, but the biggest being they&#8217;re expensive. Especially if you&#8217;re looking at designer frames made by people you honestly don&#8217;t really care about. Contacts are the same. The only difference is that they add a monthly cost instead of a &#8220;until you break these&#8221; or &#8220;until you need a new prescription&#8221; cost. You do have some options for cheaper eyeglasses if you look harder though. The internet is the best price comparison shopping ever created. You can easily find a brand that fits your budget. If you&#8217;re looking for frames then there are several online merchants who carry their own brands. Because they don&#8217;t have to pay a percentage of their sales to a designer or company for their own frame designs they come much cheaper. You can likewise get prescription items like contacts or lenses much cheaper online as well. You will need an eye exam first though so it doesn&#8217;t save you a trip to the doctor. You&#8217;ll just escape paying for their heavily marked up eye wear. You&#8217;ll need to get your optometrist to sign off on your prescription before proceeding. This is a safety procedure and you can&#8217;t avoid it. Even people wanting to get costume contact lenses have to do this. No website will take responsibility for you damaging your eyes with the wrong prescription. So, just do it and don&#8217;t try to get around it. Some sites even have a cool little app where you can upload your picture and see what the frames will look like on you. Personally I need to make sure of how they fit before purchasing. If you really don&#8217;t like them many places allow returns or exchanges so you aren&#8217;t totally stuck if you hate them.]]></description>
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		<slash:comments>0</slash:comments>
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