From handicrafts to luxury goods

As a tourist destination, Yogyakarta is famous for many kinds of products, with visitors able to pick up a range of souvenirs from bakpia /sweet pie and gudek /young jackfruit cooked in coconut milk with spices, to batik and Dagadu T-shirts /T-shirts with a famous design.
it's strange, As a tourist city famous for its shopping, Yogyakarta doesn't have a reputation for producing exclusive bags and purses.
Rather, anyone hankering for an exclusive snakeskin bag, for example, must pay a small fortune for an overseas product.
Whereas we can do the job, Adrian points out. We have an abundance of raw material. Why don't we create our own image?
In the middle of 2004, started producing luxury bags and purses out of frog skin, gradually building a reputation for exclusive and high-quality products. It turned out we needed about six months for Cadusa to start to get known,. So I believe we could create a bag and purse trademark that represents luxury goods in Yogyakarta.
As well as using frog skin, Cadusa has developed accessories from skins of other animals, including lizards, snakes and monitor lizards. He's currently working on developing items made from goose skins.
We choose to use materials which aren't common because there are plenty of goods made from cow and goat leather,
As part of its image as an exclusive brand, Cadusa chooses not to accept orders for big quantities, producing only limited editions of all designs. Even customers from countries such as France, Italy and Japan cannot place bulk orders.
This is to build our image. In the near future I hope tourists will come to Yogyakarta if they want to buy a luxury bag or purse, and they will just come to Cadusa.
If customers want to own an exclusive bag or purse it's not necessary to go overseas to buy because in Yogyakarta there are exotic products, exclusive and of high quality.
Despite using animal skins, Cadusa is careful not to use materials from protected or endangered animals. It also makes frequent legal reports to the Conservation Department and the Water Resource Department in Yogyakarta.
We don't want to damage the environment for the sake of the economy, Even though the animals whose skins we use aren't protected, we limit production to avoid excessive exploitation-

Financial Tips for Couples

Believe it or not, many couples find it very difficult to talk openly about their finances. Money problems can literally cause a lot of heartache between people, so here are some ways couples can come together to get their financial house in order:
• Get organized: Gather all important financially-related documents to a central location that is equally accessible to both partners.
• Track your spending and pay yourself first: Write down where you are spending your money. Re-route some of your spending to a savings account: pay yourself first for a secure financial future.
• Plan to save: Start a savings account to cover expenses like clothes, Christmas/holidays, and insurance. Plan for future expenses throughout the year.
• Build an emergency fund: You never know when you will need additional cash so try to have two to three months of living expenses in a readily accessible savings account or money market account.
• Don’t Go Into Debt, and if you are, Get out of debt: Avoid Credit CARDS. If you must use them, control your credit card spending and try to pay off any debts you have (e.g., car, credit card, student loan, etc.). Pay more than the minimum monthly payment. Once you have paid off your debts/credit cards, take the money and put it towards savings or some other debt. If possible, the goal is to simultaneously pay off your debt while still putting some amount into savings. Remember, you are loaned money so that you will pay interest and late charges and make other people money.
• Set goals: Decide what you want to do with you money. Do you want to pay off debts/student loans? Buy a house? Save for a new car or additional education? Write down your goals and your strategy for achieving these goals. Write a budget.
• Review your insurance coverage: Every year, review your health, life, disability, renter/homeowners, auto, and personal liability policies to make sure you are both adequately covered. To learn more about insurance go to the National Association of Insurance commissioners
• How much should you save and/or invest? Save at least 15% of every dime you earn beginning with your first job. The older you are the higher the percentage has to go unless you think you can work forever!

Get Money Easy

1. Sell something. Dig out that old guitar you never play, those CDs you don't listen to anymore, or your antique toy collection. Go to the pawnshop, put an ad on local internet classifieds, or hold a yard sale in front of your house or on a busy street corner (just display the item with a big sign announcing the ridiculously low price). Price items at half of what somebody would be able to buy them for anywhere else, and you may be able to sell them within an hour or two. You can also sell items online at web sites like eBay, Amazon and Craig`s list.
2. Fill out surveys online. Companies who want to know what’s on the minds of their customers are willing to pay for your opinion. Online surveys won’t make you rich, and won’t allow you to quit your day job, but you can make a little extra cash. When choosing between surveys, read the fine print. There is usually an asterisk near the "you won" part. This means you have to do something like buying stuff before you even get to talk about your prize. Don't fall into these sorts of traps, they're ridiculously difficult and not worth it. In general, the more companies you sign up with, the more survey requests you’ll receive in your email and more opportunity you’ll have to make money.
3. Panhandle. A panhandler is a person who depends on the spontaneous charity of strangers for their survival. If you really need the cash, you might swallow your pride and decide to ask for help. Make a sign, find a good location, ask politely for money, and say thank you. Cyberbegging is becoming increasingly popular, and there have been some amazing success stories, but these are the exception rather than the rule. While there are some sites on which you can beg just by putting up a brief ad, if you're looking to make any substantial money you'll probably have to build your own site and invest the time and money into it to make it successful.
4. Donate Plasma. Plasma is a component of blood, and the process is similar to donating blood. You're not permitted to actually sell your plasma, but you can be compensated for your time spent donating (and essentially, it's like selling your plasma). Your blood is drawn, the plasma is separated, and the red blood cells are returned to your body. You can make US$20-30 per visit and give plasma twice a week, but you must weigh at least 110 pounds, be between the ages of 18 and 59, and be in good health. 1. Many college students do this to make extra cash. 2. If you haven't been to the doctor in a while, this may be a good way to get a free health checkup.3
5. Enter Sweepstakes. By choosing sweepstakes carefully, you can increase your likelihood of hitting the jackpot (or at least getting a few useful freebies that you can sell, as mentioned above). Search the internet-- there are even internet databases, some free and some by subscription only, that can clue you in to hundreds or thousands of sweepstakes. Sweepstakes with smaller prizes can be great because you generally have a more realistic chance of winning. Don't, however, waste your time entering a sweepstakes for a prize you don't want and can't easily sell for a good profit. Enter as many times as possible. The more times you enter, the better your odds. It's as simple as that. Before you send in a million entries, however, make sure you know how many entries the rules allow you.

Adsense Program Make Money

I often get asked what the secret is to making money with Google’s AdSense program. This often comes from people who are dreaming of setting up websites chock full of high-paying keywords for particular niche subjects and then sitting back and watching the money roll in. “What’s the magic formula?” they ask me. If they’re non-technical, I point them straight to my first AdSense book, Make Easy Money with Google, and assure them that they’ll learn everything they need from it. They may think it’s hard, but it’s not.

But what about the technical people? By this I mean the people who’ve already set up a blog or website, who have registered domain names, who are comfortable with basic Internet terminology and concepts. What is the “AdSense formula”?

The only AdSense formula that you need to know is this:

earnings = number of clicks * average price per click

This is what I call the Fundamental AdSense Formula because you can derive almost every AdSense “secret” directly or indirectly from this formula. Do you want to earn more with AdSense? You have two ways of doing it:

• Increase the number of clicks, and/or
• Increase the average price per click

Your earnings will only go up if you do one or the other, and ideally both. It’s an obvious formula, yes, but it’s amazing how many people lose sight of it in their quest for increased AdSense earnings.

Increasing the Number of AdSense Clicks

Increasing the number of times the ads on your site or blog are clicked is the most obvious strategy. There are two general strategies you can follow:

• Increase the traffic to the site, and/or
• Adjust the ads to make them more “clickable”

Getting traffic is hard and takes time, so don’t look at it as a quick fix. The best way to get traffic is to provide useful, unique content and to rank highly in search engine rankings for keywords related to that content. In other words, use standard search engine optimization techniques. DO NOT “buy” traffic or use “link farms” or other dubious techniques. Other tips for getting traffic:

1. Publish articles, even free ones, with links back to your site.
2. Include a link to your site in the signature at the bottom of your emails or in any forum postings you make (if the forum allows it).
3. Participate in forums/groups related to the content of your site or blog. The key is to participate, not lurk, and don’t just post messages promoting your site.
4. Add comments (relevant ones only, please) to other blogs, you can usually link back to yours. (This won’t help your search engine rankings, but it may allow others who are reading those comments to find your own site.)
5. Syndicate your content (trivial if you have a blog) and make sure that the content is registered with syndication aggregators.
6. List your site in relevant directories.

Adjusting the ads is something you can do almost immediately:

1. Position the ads on the page in order to make them more noticeable. Google even publishes a helpful heat map for AdSense publishers.
2. Choose the best AdSense ad format that works for your site.
3. Change the ad colors either to make the ads blend in with your site or to make them stand out. Again, it varies depending on the site.

Whatever you do, DO NOT ENTICE VISITORS TO CLICK THE ADS. Google is very strict about this, see the adsense program policies for the details.

Increasing the Average AdSense Price Per Click

Increasing the average price per click you receive from AdSense is the other strategy for increasing your overall AdSense earnings. You can do this by:

• Carefully targeting your content, and/or
• Filtering out and avoiding low-paying ads

Content targeting isn’t just about creating relevant, unique content. It’s also making sure that that content is written to target the higher-paying keywords associated with a given topic. This means:

• Figuring out which keyword variations for that topic pay more. Often the more specialized variations and phrases pay more than the “generic” terms.
• Ensuring that the keyword density of the content favors the higher-paying keyword variations.

And to reduce the occurrence of lower-paying ads, consider these two strategies:

1. Use AdSense’s competitive filter mechanism to screen out the ads that you don’t want.
2. Show fewer ads on a page. The fewer ads you show, the more the higher-paying ads get displayed and clicked.

Many publishers also report that their earnings increase if they remove ads completely from pages with few or no clicks. Again, the “less is more” strategy favors the higher-paying ads.

There’s No Magic

As you can see, there’s no magic involved to increasing your AdSense earnings. The Fundamental AdSense Formula is easy to understand, but that doesn’t mean it’s easy to apply the formula. It takes time and effort to do it, just like most things.

Copyright 2005 by Eric Giguere. Permission is granted to reproduce the article in electronic newsletters or on websites provided that the complete article text is included, unchanged, and that neither the copyright declaration nor this license are removed.

Money

Money is a medium of exchange a measure of value, a standard of deferred payment and a store of value. People have long argued that some of these definitions of money are in conflict with each other. For instance, a measure of value and a store of value mean the same thing to some people.

In the past, money was backed up by commodities, such as gold and silver. In the modern world, we use what is known as “fiat money," which is backed up (and valued) by a legal entity. Fiat translates into "government order." In the U.S., the legal entity controlling money is the federal reserve. Other major legal entities that perform this role are the European Central Bank, Bank of Japan, People’s Bank of China and the bank of England.

The value of money traded in the international market. The value is based on market decisions, which change all the time. Some countries peg the value of their money to another larger (more accepted) currency . Money is traded in the foerign exchange market, which is considered one of the most liquid markets in the world. The purpose of this market is to facilitate trade and invesment.

How To Get money

Most people worlk to earn a living, and produce goods and service. now many peope get money but they are not work, how they get the money..........?
bellow the costom people to get money :

1. Learn about share market and do trading online (Note: its best if you get some financial advice before undertaking this venture).
2. nvest in Banks and Mutual Funds if you are not sure of share market.
3. Do business in lodging. In this case you have to construct rooms and offer the same on rent on daily basis.
4. Write a book and earn royalty
5. Win at the lottery and the race course.
6. Start trading in CFD's (information on CFD's can be found at the bottom of this page.).
7. Shake down small businesses legally by launching spurious lawsuits against them. Have your lawyer do all the legwork filing and offering 'a deal' at a reasonable rate to make the suit go away. Split the proceeds. All you have to do is find something to be 'angry' about at various businesses.
8. Buy a car/truck/tempo and hire it for travels/carrying goods.
9. Become a moneylender
10. Become a consultant in any field of your interest.
11. Become a tutor and run classes. This does not involve any work, as the child is the one who is being worked hard.
12. Marry with a rich partner if you are not already married.
13. Work as a watchman or liftman etc where a very little work is involved.
14. Own a website which explains how to make money without working.
15. Get yourself adopted by some rich family.
16. Get a mentor who is financialy mature and learn from them!
17. Look around your house or on the streets for change.
18. Look for rare coins in your pocket change. Obtain very large quantities of coins at your local bank if necessary.
19. Inherit money from someone rich, by winning their respect and/or love. You could either be a friend, relative or lover of said peson.