New Year's Day, or January 1, is the first day of the year and is an occasion that witnesses the biggest annual celebration across all countries of the world. It is the time when we ring out the old year and welcome the present year with open arms, with eyes filled with new dreams and hearts replete with new expectations.

Happy New Year!


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You Need a Budget (YNAB) is a personal budget program available in both a Windows application (YNAB Pro) or in a customizable spreadsheet form (compatible with both Excel and Open Office). It was designed to work closely with the YNAB budgeting methodology.

YNAB does not integrate with any personal finance software such as Quicken or Microsoft Money, but then it was designed purely for budgeting and it handles budgeting better than all-in-one personal finance software. If you insist on having your budget integrated with the functions found in software like Quicken or Microsoft Money, YNAB will not work for you, however you can certainly use YNAB for budgeting while using other personal finance software to handle other aspects of your household finances.

YNAB is originally created as a Excel spreadsheet, with the collaboration of programmer Taylor Browns YNAB took on new life as YNAB Pro, YNAB Pro has continued to expand its capabilities.

The personal budget program itself is really powerful in terms of budgeting your finances. YNAB can cost $24.95 while YNAB Pro cost $49.95. But it is pretty much better to choose YNAB Pro because it satisfied benefits. YNAB (You Need a Budget) Pro is money management software (budget software) at its simplest, most effective, finest form. You Need a Budget Pro lets you know how much of the receipt total is still unassigned, and well, there is a lot to it. But the point is that it saves you time entering big receipts. And that is a big deal.

The YNAB Methodology uses four rules of cash flow management these are:

1. Stop Living Paycheck to Paycheck
2. Give Every Dollar a Job
3. Prepare for Rain
4. Roll with the Punches.

The program YNAB Pro designed very professionally a good looking layout and the on-screen directions are unique and helpful. If you use personal finance software to manage your accounts but you want to do more in depth budgeting and use a system that guides you to more successful budgeting. I definitely recommend YNAB Pro program.


IrfanView 4.2 is my all time favorite image viewer and editor software. Irfanview 4.2 lets you open and edit images, as well as multiple media format, not just like a typical default Paint program in your Windows Xp, IrfanView has an ability to cut and crop images, apply batch conversions, sharpen, or blur effects, create panoramas and you can change color anyway you want. Because of its built-in plug ins Irfanview mostly supports different format likes video, and sound effect, including mp3, avi, wma etc.. .

Irfanview Thumbnail shortcut is also included to Irfanview 4.2 installer. What the most i like with the Irfanview Thumbnail shortcut is it offer an Explorer-like file tree that quickly displays all images in a particular folder. Version 4.2 adds Basic Unicode support and new options.


Pastilan is one of my friend who encourage me to join Payingpost.com, so I decided to check it out and do some observations, my first impression with payingpost.com is definitely great market place for Advertiser and Blogger, not only by earning money, my deep intensions why I join to payingpost.com is consist with three types of values: help, serve and earn, by helping many advertiser to promote and review their product this will lead them to reach and attained their target income and put them into success, as a blogger for four months its my hobbies to write a review and also writing articles by giving tips to other blogger and also to all readers all over the world on how to make money blogging. Blogging makes me become a hard working person in some challenging ways, even though with some grammar mistakes, but I am really confident and really want learn and to correct what went me wrong.

So on November 25, 2008 I decided do Blog submission to their website Payingpost.com and suddenly after a day before I am now part of the market place. Payingpost.com is the good place for blog advertising, advertiser would pay by writing a review for their product, interesting websites, companies, and services, they pay you about $5.00 and up defends on the requirements of an advertisers. You must also check the qualification before grabbing the opportunity, sometimes their required PR1(page rank) and up before you take the opportunity, but sometime they don’t need any PR or Page rank. Sound’s great isn’t it? All the opportunity you’ve taken must be posted on your blog, and you send it the Url of your blog post to payingpost.com and after verification of you post all the payments will be directly to paypal account. They also be given away an extra $25 for the best post that they choose. Blog advertising become the most popular form of advertising so Blogger what are you waiting for, why not join payingpost.com and do the best as you can.


After a long time of waiting at last my web blog gets approved‭ ‬by Chitika,‭ ‬later this afternoon i received an electronic mail came from Chitika noticing me regarding with my blog status and after reading all the messages came from them,‭ ‬I just like a little boy whose gets happiness when my mom's bought me a lollipop candy from mini store,‭ ‬as i've notice the big factor why my web blog got approved is because i bought domain name for my blog.‭ ‬Why I consider this as the true reason‭? ‬because on the first time I commit Blog submission to Chitika‭ I‬ get denied due some reasons,‭ ‬"my blog‭ ‬won't have a‭ ‬.com .net .org domain and they also mentioned that they think that my blog is under constructions result to‭ ‬insufficient numbers of traffic‭"‬.‭

Chitika is an alternative and the best way to earn money by putting their ads to your Blog or its either to your website.‭ ‬Chitika is also the same with Google Adsense,‭ ‬but they have different advantages,‭ ‬Chitika offers extremely high CTR and eCPMs and behaviorally Targets to Your Search Engine Traffic,‭ ‬as far as I've know this program offers a double your revenue program,‭ ‬sounds great isn't it‭?


Personalized Flash Drives is a perfect gift for your love ones this Holiday Seasons, with 14 different color and personalized themes that you can choose, plus FREE laser engraving on both sides, really unique isn't it? This Flash Drive could be perfect if you're love ones is a PC user, and if your love ones is a thumb drive generic user now is the time to change "be unique". Here is the top 10 Reasons why to be unique.

Personalized Flash Drives

1. The New Brag Book
2. Organization Is The Key To Success
3. Share Music
4. Be A Corporate Big Shot
5. Multi-Media Love
6. The New Mix CD
7. Portable Library
8. Build Customer Loyalty
9. Network And Be Remembered
10. For The Person Who Has Everything

* Choose from one of our 32 exciting Themes such as "#1 Teacher", "Sports" or "Butterflies"
* Personalize the back with two lines of text
* Available in 512MB, 1GB, 2GB, 4GB, 8GB and 16GB capacities
* Hi-Speed USB 2.0
* One piece, standard shipping only $4.65! 20 cents each additional drive.

512MB - $9.99 | 1GB - $11.99 | 2GB - $16.99 | 4GB - $24.99 | 8GB - $34.99 | 16GB - $69.99



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Sammy Feliciano