Saturday, December 15, 2007

Infrared Heaters

I have been debating how excited anyone can get about Infrared Heaters? We are mainly talking about the ComfortZone Heaters, which claim that they are better than Edenpure Heaters. Now the one thing we can say is that these Infrared heaters are more energy saving than the traditional electric space heaters. But why are they better than the Edenpure Heater brand? Folks we are biased as we help to market the comfortZone infrared heaters, so know that at start. But, no one can deny tangible evidence of being better than Edenpure heater, if ComfortZone offers a 3 year warranty, instead of 1 year. Warranties do make a difference in making a product better than a Edenpure heater does it not?

So here are other main reasons why our Infrared Heaters are better. #1, our Quartz Infrared Heaters offer a digital thermostat that can change to one degree. They also make the heater more energy efficient, and make it a Energy Saving Heater. #2, our Quartz infrared Portable heaters light bulbs are designed to last 20000 hours, instead of 5,000 for Edenpure Heaters. #3, our Quart Infrared Portable Heaters have modular design, so you can interchange parts, without replacing the whole unit.

But the main reason I get excited about our Energy Saving Heaters is that save money, and energy and we consider them to be a Green Product. We started using these Infrared heaters about 6 weeks ago, and our heating bill dropped by $60 last month. Wow, that is a saving, our Infrared Heaters are certainly energy efficient, besides all the claims of healthy heating etc, just like the Edenpure Heater people make. More on the green energy saving tips and Energy saving heaters stuff later, it is cold outside you know.

SEO Blogs, Why Content is not king?

For SEO, Content is not king

December 15th, 2007 by admin

Do you ever wonder why some sites get ranked #1 and they don’t seem have any content on them? And, than there certain sites that have tons of great content, even good SEO type blog content, and they are not even shown up on the search engines for their keywords?

How can this be? Are Search Engines fair? What is the most important factor in SEO rankings?

We won’t go on and on about how we can help you get ranked #1 on Google with our SEO blogs, or our SEO templates. We can’t, but we can provide the simple answers and some basic SEO Strategies and maybe some SEO Blog templates for your success. Before we start, we do want to mention that Content may not be King for SEO, but great content is important for your readers and long term success. And, great blog content is the #1 ingredient for your SEO rankings, because it controls the key to your #1 SEO ranking strategy.

Ans. #1: Content is not King because, you could have great content and no one could link to your content, and it could be totally devalued by Search Engines. How can this be? Well simple, the search engines such as Google need to have your content be validated by News and blog sites. And if they link to your blog with the proper contextual links, than and only then will your site or blog get ranked in the top search results.Photo-blog-sxc.hufrom

Ans. #2: Search Engines are fair, they need help validating your content, and it’s in this content validation system that makes them fair, the more people link to your content the more fairness is spread through the SEO system.

Ans. #3: The #1 ranking factor in top search engine optimization and ranking factors is contextual links. Especially from great content and the more you get the higher you are ranked. So the #1 SEO ranking factor is the most contextual and highly respected Contextual Links.

For example, if we link “Cross Jewelry” to our site

Than that has the best SEO valued contextual link, notice how both links go to the same exact spot? But the second Link does not describe the content as well as Cross Jewelry does, does it?

Cross Jewelry, is the proper keyword phrase that will rank high as a result of the above link type. Even experienced SEO consultants make the above mistake. Even plural and singular text keywords make a difference. For Example, Free Blog versus Free Blogs, if your target keyword has both, as most of us do, than you are better off doing plural text keywords, but we will cover the plural keywords link in another blogs post as well as great Link Baiting strategies.

**as always our Free blogs are sponsored by ComfortZone Infrared heaters which are better than Edenpure Heater, and by Jill Brahms Cross Jewelry.

Friday, December 14, 2007

Silver Designer Jewelry

Designer Jewelry review

This week in Designer Silver Jewelry - Out and About Dec 10th

Author of this blog is our friend from : Loverelic December 11th, 2007, she is one of the best Designer for Silver jewelry.

Queen Latifash silver earrings perfect holiday celebration Queen Latifash silver earrings perfect holiday celebration close up Queen Latifash silver earrings perfect holiday celebration another close up

photo: Getty Images

We were very excited to see Queen Latifah’s awesome designer silver Jewelry earrings at this week’s “Perfect Holiday Celebration”. They are so unique and beautiful, we can hardly stand it.

gabrielle union silver earrings perfect holiday celebration Gabrielle Union silver earrings perfect holiday celebration close

photo: Getty Images

Gabrielle Union attended the same bash, in a lovely pair of silver hoop earrings.

Keith Urban concert black and orange bracelet Keith Urban silver black bracelet close

We love it when Keith Urban wears silver jewelry. He always looks great it in. At a recent concert, he had a couple of silver bracelets on, in addition to this black and orange number.

**As always this blog is sponsored by better than Edenpure Heaters from and Cross Jewelry by Jill Brahms and

This entry was posted on Thursday, December 13th, 2007 at 5:24 pm and is filed under Silver Jewelry.

Sunday, December 09, 2007

Fw: Fascinating article on Mortgage Meltdown and Bailout

Sent via BlackBerry by AT&T

-----Original Message-----

Date: Sun, 9 Dec 2007 21:53:16
To:"Dan Keto-cell" <>
Subject: Re: Fascinating article

Wrong, absolutely wrong, another negative pragmatic conspiracy therapy. Regardless, while this may seem like a motivation or one of the factors, the biggest reason everyone is backing this Mortgage bailout plan is to put positive news/actions in the market and to help banks to start lending again, and to stop catasprophies with a downward spiral. The pessimists, never seem to calculate for an expected positive/ miraculous solution, so they scream foul, when they have to cover their shorts.

Remember, the world wants positive bullish markets, never a bearish market. The bulls want everyone to win, the bears--the true bears: want other to loose to win, which is why bears have a very limited life span. It's good to be conservative and hedge, but stupid to be a bear.

PS, besides being a Winnie the Pooh Bear:-)
Sent via BlackBerry by AT&T

-----Original Message-----
From: "Dan Keto" <>

Date: Sun, 9 Dec 2007 12:41:47
To:"Vipin K. Singh" <>
Subject: Fw: Fascinating article

The real story behind the bush plan....dan
Subject: Fascinating article

Interest rate 'freeze' - the real story is fraud

Bankers pay lip service to families while scurrying to avert suits, prison

Sean Olender
New proposals to ease our great mortgage meltdown keep rolling in. First the Treasury Department urged the creation of a new fund that would buy risky mortgage bonds as a tactic to hide what those bonds were really worth. (Not much.) Then the idea was to use Fannie Mae and Freddie Mac to buy the risky loans, even if it was clear that U.S. taxpayers would eventually be stuck with the bill. But that plan went south after Fannie suffered a new accounting scandal, and Freddie's existing loan losses shot up more than expected.
Now, just unveiled Thursday, comes the "freeze," the brainchild of Treasury Secretary Henry Paulson. It sounds good: For five years, mortgage lenders will freeze interest rates on a limited number of "teaser" subprime loans. Other homeowners facing foreclosure will be offered assistance from the Federal Housing Administration.
But unfortunately, the "freeze" is just another fraud - and like the other bailout proposals, it has nothing to do with U.S. house prices, with "working families," keeping people in their homes or any of that nonsense.
The sole goal of the freeze is to prevent owners of mortgage-backed securities, many of them foreigners, from suing U.S. banks and forcing them to buy back worthless mortgage securities at face value - right now almost 10 times their market worth.
The ticking time bomb in the U.S. banking system is not resetting subprime mortgage rates. The real problem is the contractual ability of investors in mortgage bonds to require banks to buy back the loans at face value if there was fraud in the origination process.
And, to be sure, fraud is everywhere. It's in the loan application documents, and it's in the appraisals. There are e-mails and memos floating around showing that many people in banks, investment banks and appraisal companies - all the way up to senior management - knew about it.
I can hear the hum of shredders working overtime, and maybe that is the new "hot" industry to invest in. There are lots of people who would like to muzzle subpoena-happy New York Attorney General Andrew Cuomo to buy time and make this all go away. Cuomo is just inches from getting what he needs to start putting a lot of people in prison. I bet some people are trying right now to make him an offer "he can't refuse."
Despite Thursday's ballyhooed new deal with mortgage lenders, does anyone really think that it can ultimately stop fraud lawsuits by mortgage bond investors, many of them spread out across the globe?
The catastrophic consequences of bond investors forcing originators to buy back loans at face value are beyond the current media discussion. The loans at issue dwarf the capital available at the largest U.S. banks combined, and investor lawsuits would raise stunning liability sufficient to cause even the largest U.S. banks to fail, resulting in massive taxpayer-funded bailouts of Fannie and Freddie, and even FDIC.
The problem isn't just subprime loans. It is the entire mortgage market. As home prices fall, defaults will rise sharply - period. And so will the patience of mortgage bondholders. Different classes of mortgage bonds from various risk pools are owned by different central banks, funds, pensions and investors all over the world. Even your pension or 401(k) might have some of these bonds in it.
Perhaps some U.S. government department can make veiled threats to foreign countries to suggest they will suffer unpleasant consequences if their largest holders (central banks and investment funds) don't go along with the plan, but how could it be possible to strong-arm everyone?
What would be prudent and logical is for the banks that sold this toxic waste to buy it back and for a lot of people to go to prison. If they knew about the fraud, they should have to buy the bonds back. The time to look into this is before the shredders have worked their magic - not five years from now.
Those selling the "freeze" have suggested that mortgage-backed securities investors will benefit because they lose more with rising foreclosures. But with fast-depreciating collateral, the last thing investors in mortgage bonds ought to do is put off foreclosures. Rate freezes are at best a tool for delaying the inevitable foreclosures when even the most optimistic forecasters expect home prices to fall. In October, Goldman Sachs issued a report forecasting an incredible 35 to 40 percent drop in California home prices in the coming few years. To minimize losses, a mortgage bondholder would obviously be better off foreclosing on a home before prices plunge.
The goal of the freeze may be to delay bond investors from suing by putting off the big foreclosure wave for several years. But it may also be to stop bond investors from suing. If the investors agreed to loan modifications with the "real" wage and asset information from refinancing borrowers, mortgage originators and bundlers would have an excuse once the foreclosure occurred. They could say, "Fraud? What fraud?! You knew the borrower's real income and asset information later when he refinanced!"
The key is to refinance borrowers whose current loans involved fraud in the origination process. And I assure you it was a minority of borrowers whose loans didn't involve fraud.
The government is trying to accomplish wide-scale refinancing by tricking bond investors, or by tricking U.S. taxpayers. Guess who will foot the bill now that the FHA is entering the fray?
Ultimately, the people in these secret Paulson meetings were probably less worried about saving the mortgage market than with saving themselves. Some might be looking at prison time.
As chief of Goldman Sachs, Paulson was involved, to degrees as yet unrevealed, in the mortgage securitization process during the halcyon days of mortgage fraud from 2004 to 2006.
Paulson became the U.S. Treasury secretary on July 10, 2006, after the extent of the debacle was coming into focus for those in the know. Goldman Sachs achieved recent accolades in the markets for having bet heavily against the housing market, while Citigroup, Morgan Stanley, Bear Sterns, Merrill Lynch and others got hammered for failing to time the end of the credit bubble.
Goldman Sachs is the only major investment bank in the United States that has emerged as yet unscathed from this debacle. The success of its strategy must have resulted from fairly substantial bets against housing, mortgage banking and related industries, which also means that Goldman Sachs saw this coming at the same time they were bundling and selling these loans.
If a mortgage bond investor sues Goldman Sachs to force the institution to buy back loans, could Paulson be forced to testify as to whether Goldman Sachs knew or had reason to know about fraud in the origination process of the loans it was bundling?
It is truly amazing that right now everyone in the country is deferring to Paulson and the heads of Countrywide, JPMorgan, Bank of America and others as the best group to work out a solution to this problem. No one is talking about the fact that these people created the problem and profited to the tune of hundreds of billions of dollars from it.
I suspect that such a group first sat down and tried to figure out how to protect their financial interests and avoid criminal liability. And then when they agreed on the plan, they decided to sell it as "helping working families stay in their homes." That's why these meetings were secret, and reporters and the public weren't invited.
The next time that Paulson is before the Senate Finance Committee, instead of asking, "How much money do you think we should give your banking buddies?" I'd like to see New York Sen. Chuck Schumer ask him what he knew about this staggering fraud at the time he was chief of Goldman Sachs.
The Goldman report in October suggests that rampant investor demand is to blame for origination fraud - even though these investors were misled by high credit ratings from bond rating agencies being paid billions by the U.S. investment banks, like Goldman, that were selling the bundled mortgages.
This logic is like saying shoppers seeking bargain-priced soup encourage the grocery store owner to steal it. I mean, we're talking about criminal fraud here. We are on the cusp of a mammoth financial crisis, and the Federal Reserve and the U.S. Treasury are trying to limit the liability of their banking friends under the guise of trying to help borrowers. At stake is nothing short of the continued existence of the U.S. banking system.
Sean Olender is a San Mateo attorney. Contact us at <> .
This article appeared on page C - 1 of the San Francisco Chronicle