Affiliate Marketing: How Can You Improve Your Approach ...

When people turn to the internet to make some extra cash, they typically go for affiliate marketing. It is true that affiliate marketing can get you some extra money. However, many people give up because they did not know the correct techniques or they did not want to put in the work. If you fall in the latter group, then you need to give up affiliate marketing. However, if you fall in the former group, read these pieces of advice below.

Focus on building your content, not just your links. Without a good content strategy, you won?t be successful. People aren?t coming to your site to find affiliate links, they are coming for your content. Whether that?s reviews, previews, or you just talking about your day, that?s what they came from. Keep it up to date and keep new content coming.

You should try your best to attend an affiliate summit as soon as you get started with the marketing of your business. It is an interesting way to meet new affiliates and merchants in different industries. These summits are responsible for some of the greatest deals getting worked out.

If you run across an affiliate marketing ?offer? that says you must sign up in X amount of time or the offer will be gone, just let it pass on by. This is just hype to try to get you to buy something without examining it or giving it enough thought. If you rush to purchase whatever it is they are selling, you will be giving them your contact and credit card information in exchange for something that will surely not help you in any way ? no matter what it is!

Affiliate marketers should always be experimenting with different styles and techniques. Since the internet is in a state of perpetual evolution, your affiliate campaign should be, as well. Some things you try are not going to work, but you simply will never know unless you try them out. Experimenting is the way to go.

You must be willing to invest as much time and effort as possible if you are going to be successful with affiliate marketing. Look into training materials that are not overprices. Many times they will have the same information in them as the high-priced ones do. Save yourself a couple dollars and gain the same amount of knowledge.

Offer customers to your website exclusive services if they make a purchase from the advertisers in your affiliate program. Do not restrict vital data this way, but make sure which customers who do buy get something of definite value out of your websites bonus content. This will encourage both purchases from your affiliate and repeat visits to your website.

If you want to increase the money you make with affiliate marketing, consider adding videos to your website. As an affiliate marketer, your number one goal is to increase traffic to your website. Having videos on your website is a great way to do this. Google will rank your site higher if it contains both video and text.

Building affiliate income will take time, but it will be worth the wait. You?ll find that old posts will still bring in sales, and the more posts you make, the more affiliate links are available to convert people into sales. Just keep on going and you?ll accrue decent profits in time.

Focus on a specific niche market! This is one way to enhance your ability to be successful in affiliate marketing. Many people who are attempting affiliate marketing make the ? mistake of spreading themselves too thin ? trying to offer every product and service under the sun. By having a niche market, you can devote your efforts on your niche, so you can promote and sell it better.

The tips you have just read in the article above were put together by individuals who have made it in affiliate marketing. These aren?t simply some best-guess platitudes pushed out for the purposes of filling paper. Make sure you follow these tips so that you can be successful as an affiliate marketer.

Beside writing about Affiliate Revenue, Karine Shalhoub also shares knowledge about ubot creation studio? on her websites. To find out more about it, visit www.warriorforum.com

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Source: http://affiliatemarketingonlinebusiness.com/affiliate-marketing-how-can-you-improve-your-approach/

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Talk to focus on fatherhood and leadership - Lloydminster Meridian ...

By Murray Crawford

Posted 19 hours ago

Leadership and hard work will be the focus of this year?s annual Mayor?s Prayer Breakfast as actor Robert Amaya will talk about the importance of leadership, as well as authenticity, within family.

Amaya is excited for the trip, as it will be his first time in Canada. The Florida native has been promised his first bison burger or steak on the trip.

But the main reason the actor is coming to the Border City is to speak at the annual Mayor?s Prayer Breakfast this coming Friday.

?I know I will be talking about the importance of family and authenticity,? said Amaya. ?In order to be a good leader, to raise good children or just to be a decent husband or wife you need to know how to be authentic and genuine.?

He pointed specifically to biblical scripture as showing how people don?t need to hold up masks.

?That?s what Jesus came for,? said Amaya. ?He came so we don?t have to wear the masks, we can just rely on his forgiveness.?

Amaya recently had a role in the Christian movie Courageous, a movie about the importance of fatherhood and its impact on families. He said the role reminded him of his father.

?It felt like I was playing my dad, to be quite honest,? said Amaya, adding his father came to the United States when he was about 20 from El Salvador.

?He had little to nothing, basically just the clothes on his back. He worked his tail off, learned the language, got married and had two children. My entire childhood I remember seeing my dad working hard to provide and never ever compromising on his beliefs.?

Amaya grew up in a Christian home and his father was a pastor for a couple of years and a preacher for many years. It was his dad?s hard work that he valued the most.

Another element of scripture that Amaya spoke of is the drive for working hard and that hard work is a good thing.

?Before sin ever came into the picture man was created to work,? said Amaya. ?We were designed to work the garden and keep it.?

But he said the value and results of hard work go beyond religious ideals, and the ability to recognize and understand the importance of hard work should be a universal concept.

?For most Christians working hard is the way of actual worship,? said Amaya. ?It?s a way of thanking God in front of everyone around us of being able to work.?

Growing up Amaya was always creative as he played numerous musical instruments and sang for a while professionally. In 2002 a church friend who was running a small community theatre invited him to play a role in a production he was working on.

?It was the first time I?d ever acted and I got hooked right away,? said Amaya.

Both Amaya and his wife got right into it and they had the opportunity to be a part of productions of well-known plays such as Miss Saigon and Les Miserables.

Eventually the productions went from stage to screen, which Amaya said was a different type of experience. Whereas with a stage production you get one shot and nearly instant feedback, on the screen it can be a year between when an actor finished production and the film premieres.

?I learned a lot about what it is to be a husband and a father in the making of the film,? said Amaya.

The film will influence the speech as Amaya said part of what he portrays in his role is what he will talk about.

?We?re going to want to dive in practical ways of showing leadership,? said Amaya. ?It doesn?t just apply to Christianity, it applies in general. And I believe a lot of the answers we?re seeking for are found through scripture.?

Amaya said is not a whole lot like the character he played in the movie Courageous.

?For starters I don?t have an accent,? said Amaya. ?I once had someone recognize me ask me to get on their phone and talk to their daughter. It took me about 20 minutes to convince her it was actually me because I didn?t have the accent.?

Another element though is that he is an active and boisterous speaker, which he said will mean a lively presentation.

?I?m very passionate about what I talk about, because I believe in what I talk about,? said Amaya. ?I believe very much in my faith and what God has done for me and my family.?

Tickets to the annual Mayor?s Prayer Breakfast cost $35 each or $440 for a reserved table of eight. It will be held at the Lloydminster Stockade Convention Centre with doors opening at 7 a.m. and the event getting underway at 8 a.m. on Saturday, Sept. 15. Tickets are available at Verses in Lloydminster or by calling 780-871-4722.

Source: http://www.meridianbooster.com/ArticleDisplay.aspx?e=3602733

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Williams caps off great summer with win at US Open

Serena Williams reacts after beating Victoria Azarenka, of Belarus, in the championship match at the 2012 US Open tennis tournament, Sunday, Sept. 9, 2012, in New York. Two points from defeat, Williams suddenly regained her composure to come back and win the last four games, beating No. 1-ranked Azarenka 6-2, 2-6, 7-5 on Sunday for her fourth U.S. Open title and 15th Grand Slam title overall. (AP Photo/Mike Groll)

Serena Williams reacts after beating Victoria Azarenka, of Belarus, in the championship match at the 2012 US Open tennis tournament, Sunday, Sept. 9, 2012, in New York. Two points from defeat, Williams suddenly regained her composure to come back and win the last four games, beating No. 1-ranked Azarenka 6-2, 2-6, 7-5 on Sunday for her fourth U.S. Open title and 15th Grand Slam title overall. (AP Photo/Mike Groll)

Serena Williams holds up the championship trophy after beating Victoria Azarenka in the championship match at the 2012 US Open tennis tournament, Sunday, Sept. 9, 2012, in New York. (AP Photo/Darron Cummings)

Serena Williams reacts after beating Victoria Azarenka, of Belarus, in the championship match at the 2012 US Open tennis tournament, Sunday, Sept. 9, 2012, in New York. Two points from defeat, Williams suddenly regained her composure to come back and win the last four games, beating No. 1-ranked Azarenka 6-2, 2-6, 7-5 on Sunday for her fourth U.S. Open title and 15th Grand Slam title overall. (AP Photo/Darron Cummings)

Serena Williams reacts after beating Victoria Azarenka, of Belarus, in the championship match at the 2012 US Open tennis tournament, Sunday, Sept. 9, 2012, in New York. Two points from defeat, Williams suddenly regained her composure to come back and win the last four games, beating No. 1-ranked Azarenka 6-2, 2-6, 7-5 on Sunday for her fourth U.S. Open title and 15th Grand Slam title overall. (AP Photo/Darron Cummings)

Serena Williams reacts after beating Victoria Azarenka, of Belarus, in the championship match at the 2012 US Open tennis tournament, Sunday, Sept. 9, 2012, in New York. (AP Photo/Charles Krupa)

(AP) ? Serena Williams wrapped up her remarkable summer with the latest rendition of a scene that has become familiar the past few months.

?Williams jumping up and down on the tennis court with a mile-wide smile across her face.

?Williams picking up a big-time prize ? this time, the U.S. Open trophy, which will look good somewhere near the gold medals she won at the Olympics and the silver plate she took home from Wimbledon.

If there was anything unexpected about her latest triumph, it was the challenge she faced from Victoria Azarenka, especially considering the way Williams dominated everyone she faced on the way to Sunday's final, to say nothing of the way the final started.

Come the third set, with the sun going down and the stadium completely blanketed in shadows, Williams stood only two points away from a loss. She rediscovered her form in time, took the last four games of the match and won her fourth title at Flushing Meadows and 15th Grand Slam title overall with a 2-6, 6-2, 7-5 victory. It was the first women's U.S. Open final to go three sets since 1995.

"If it was anybody other than Serena on the other side of the court, I'm not sure we'd be talking now," said Patrick Mouratoglou, a coach who has been working with Williams recently. "But it was Serena. She was there. She's a winner and she's a champion."

Mouratoglou helped Williams engineer a restoration that began shortly after she lost in the first round of the French Open in May, the only opening-round exit of her 49 career Grand Slam appearances.

"She said, 'I want to win Wimbledon, I want to start now,'" Mouratoglou said. "That's simple. That's how it started."

Since then, Williams won both singles and doubles at Wimbledon, then matched that feat a month later at the London Olympics.

The U.S. Open was the clincher ? a two-week clinic during which she lost only 19 games over her first six matches, then put on a display in how to play pressure tennis when the stakes were the highest. Trailing 5-3 and serving at 30-all against Azarenka, the Australian Open champion seeded first in this tournament, Williams wrested back control of the match by winning 10 of the next 12 points.

"Obviously, I never give up," Williams said. "I never, never quit. I've come back so many times in so many matches. I wasn't too nervous."

Indeed, for a woman who has had her share of flare-ups here in recent years, Williams barely showed a trace of emotion when this match was at its diciest. There was the smallest of hesitations for a second look after a serve was called out at 3-5, 30-15. And, when she closed out that game three points later, she did the quickest of skips ? a nearly imperceptible celebration before a calm walk to the chair to get ready for the service break she had to have.

She got it, then held serve, and then twice held off Azarenka when she was one point from forcing a third-set tiebreaker. The first save came on a backhand winner, one of 44 winners Williams hit to only 13 for her counterpunching, but less powerful, opponent.

"Feels like there is no room for a mistake," Azarenka said in describing what it's like dealing with Williams' game. "There is no room for a wrong decision."

Williams hasn't always played the role of cool customer in the crucible of Arthur Ashe Stadium.

In the 2009 semifinals, she was angered by a foot-fault call that resulted in a double-fault, setting up match point for her opponent, Kim Clijsters. Williams brandished her racket at the line judge and got docked match point. Then, two years later, while losing to Sam Stosur in the 2011 final, Williams berated the chair umpire after losing a point for screaming before it had ended.

There was a foot-fault call in this match, too, while Williams was serving at 40-0 while trailing 2-0 in the second set. She didn't react immediately, but when the game was over, she stared down the lineman while walking to her chair for the changeover. The linesman chuckled a bit. No biggie.

"I'm just happy that she got through this one without any incident and was able to try to forget all that in the past," said her mom, Oracene Price. "Because I think that was a lot in her mind."

Also on Williams' mind this summer has been her long journey back.

Shortly after winning Wimbledon in 2010, she cut her feet on broken glass while on her way out of a restaurant in Germany. That led to two operations on her right foot. Later, she got clots in her lungs and needed to inject herself with a blood thinner. Those shots led to a pool of blood gathering under her stomach's skin, requiring another procedure in the hospital.

By the time all that was over, she had been off tour for about 10 months. She returned in 2011.

"She was so disgusted at home. She felt like she was useless. That's the way it is with athletes, I guess. She couldn't sit still," Price said. "She was getting depressed. A lot to overcome."

She did overcome it, and now she adds another championship to the best resume currently in the game.

She is the first woman to win Wimbledon and the U.S. Open in the same season since 2002, which is when she last did it.

She moved three Grand Slam titles away from a tie for fourth on the all-time list with Martina Navratilova and Chris Evert.

Navratilova was the last thirty-something to win the U.S. Open. Williams, who turns 31 on Sept. 26, joins her on that list.

But Williams does not play, act or talk like a woman nearing the end of her career.

There are a few tournaments to be played this fall on hard court. The next Grand Slam season starts in January in Australia. Williams said "my motivation is up there," and those who know her feel it, too.

"She's very, very motivated and feels she can win every tournament," Mouratoglou said. "If one day she doesn't feel the same, we'll see, but for the moment, she feels she can win every tournament she plays, which is true, she can. So, she's prepared to do everything to do it."

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/347875155d53465d95cec892aeb06419/Article_2012-09-10-US%20Open-Williams/id-480111ce82af423b8dac0de20b29d73b

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One Home Improvement Industry Doesn't Need a - InvestorPlace

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Last Thursday, Home Depot (NYSE:HD) was placed on a short list of Dow stocks to shed immediately. There were no glaring red flags suggesting the stock was racing to the edge of a cliff. In fact, Home Depot has been doing pretty well, riding the wave of a respectable rebound in the housing market.

As is all too often the case, though, rose-colored glasses seem to have pushed Home Depot shares upward at a pace well beyond the pace of the company?s actual earnings growth.

Said another way, home improvement stores might be doing well, but they?re not doing exceedingly well ? nowhere near as well as their stocks would imply. As a result, HD has reached a rather frothy valuation, and expectations were ? and are ? dangerously high. One stumble in the new-construction market could abruptly trip things up for Home Depot.

Just don?t broaden your definition of ?home improvement? too widely. While Lowe?s (NYSE:LOW) shares might be in the same overbought state Home Depot shares are, not every home improvement-oriented stock is running a big risk of another slowdown in the home-construction market. Indeed, some home improvement arenas might actually do well because of a housing market lull.

Boring Can Be Fun, Too

Paint stocks seem like about as much fun as watching paint dry ? not very compelling. You know what is compelling, though? Making a truckload of money.

In that light, ?boring? paint players like Valspar (NYSE:VAL) and Dependable Dividend Stock PPG Industries (NYSE:PPG) have quietly dazzled the markets with huge returns for the year so far. PPG Industries ? maker of the Lucite and Ported brands of paint ? has seen its stock soar 34% year-to-date, while Valspar is up 42%. Real America Index component Sherwin-Williams (NYSE:SHW) has really impressed with its leading 59% rally since the end of last year.

For comparison, the S&P 500 is only up 14% year-to-date.

Normally, rallies of that size would be scary ? invitations to a wave of profit-taking. And to be fair, shares of Sherwin-Williams, PPG Industries and Valspar all look a little overbought and due for a dip. That?s strictly a short-term impasse, though, and ultimately a buying opportunity into a long-term trend that looks surprisingly well-supported.

See, though it would be wrong to deem that paint industry as recession-proof, it?s about as recession-resistant as any company has a right to hope for.

Don?t believe it? See for yourself.

Clearly Not in the Same Boat

In theory, since Home Depot and Lowe?s sell paint, and since Sherwin-Williams and Valspar are paint manufacturers, and since home improvement stores and paint makers are all targeting the same basic consumer, then the paint makers and home improvement retailers would perform about the same in terms of sales or revenue.

That theory, however, would be (mostly) wrong.

The nearby graphic tells the tale. It compares the per-share earnings trend of home improvement retailers Lowe?s and Home Depot against the bottom line of PPG, Valspar and Sherwin-Williams. Simply put, the housing crisis slammed the home improvement stores? bottom lines pretty hard, while it didn?t really do too much damage to the paint makers.

No, none of these companies went unscathed in the shadow of the housing meltdown. PPG, for instance, had a rough 2009 when its per-share earnings figure fell from 2008?s $4.47 to $2.94. But it has more than made up for lost time in the meantime. Sherwin-Williams and Valspar are also both well into record-profit territory, while Lowe?s and Home Depot continue to crawl ? at best.

What?s going on? The obvious answer is also the most correct one ? paint is pretty darn near recession-proof. If new paint isn?t needed to prep new construction, then paint is needed to freshen up the houses people are deciding to stay in rather than leave. It really is the cheapest (and simplest) way to update the look of a home.

One acknowledgement: This isn?t a perfect apples-to-apples comparison. All three paint manufactures have made acquisitions during this timeframe that made it easier to show sustained business activity. And, all three paint companies in question make more than just house paint.

Then again, Home Depot has been adding stores in earnest for the last year or so; Lowe?s has been contending with more than a few store closures. Point being, don?t get consumed by the pennies. This is a broad brushstroke designed to paint a bigger picture.

And that bigger picture is quite clear. As former Valspar CEO Richard Rompala said in an interview way back in 2000, the paint business is about 75% recession-proof. The numbers in the meantime seem to verify it.

As of this writing, James Brumley did not hold a position in any of the aforementioned securities.

Source: http://www.investorplace.com/2012/09/paint-stocks-dont-need-a-strong-housing-market-shw-val-ppg/

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GOP Ticket Makes Questionable Argument on Defense Cuts

Mitt Romney, accepting the Republican nomination for president, blasted President Obama for ?his trillion dollar cuts? to the military that would endanger America?s security. Right on cue, the crowd in Tampa booed. His running mate, Paul Ryan, has been hammering this message in key swing states for weeks, detailing specific?and significant?job losses if Obama?s ?reckless defense cuts? take effect.

The issue has quickly become central to the GOP argument. On Friday, the campaign released ads in five swing states warning that "President Obama's defense cuts" could cost tens of thousands of jobs. It was the prelude to a weekend of the ticket advancing the point on television and the campaign trail.

The goal is to persuade voters in defense-heavy battleground states that their jobs would be safer if Romney and Ryan win the White House. From a political standpoint, the tactic holds potential to affect the outcome of the election. But there are a couple of problems with it. First, Obama and his defense secretary, Leon Panetta, have also said they would prefer that the cuts not take effect. Second, the job loss projections used by the GOP ticket are misleading.

Romney, in crucial swing areas like Jacksonville, Fla., has gone so far as to say Obama wants to cut $1 trillion from the military budget. But that overstates the case.

The military is facing roughly $500 billion in cuts over the next decade under an August 2011 debt deal agreed to by Democrats and Republicans in Congress. The military has maintained that it can safely make these reductions. An additional $500 billion in military cuts will be triggered automatically Jan. 2 if Congress and the White House fail to agree on a plan to reduce the deficit by $1.2 trillion.

Obama has agreed with Pentagon leaders and Republicans that these new reductions could harm the military?s capabilities. And Ryan, the chairman of the House Budget Committee, voted for the legislation that created the initial round of defense-spending cuts and the sequestration mechanism that could spur even more. ?The blame-Obama game is basically dishonest. The Republicans and the Democrats are in this together, and trying to single out one as the bad guy just doesn?t reflect reality,? said Loren Thompson, chief operating officer of the Lexington Institute, a think tank that promotes capitalism and a strong national defense.

Still, Peter Feaver, a Duke University political science professor, says?it will be tough for Obama to argue the sweeping cuts aren?t his fault if they happen on his watch. Failure to reach a budget deal should tar both parties, said Feaver, who directs the Triangle Institute for Security Studies. ?The difference is: President Obama is running for reelection. So there?s no question that politically it hurts him more than it hurts John Boehner.?

Sen. John McCain of Arizona?and other Republicans have been blasting Obama's lack of leadership to mitigate sequestration's effects on defense. Defense contractors meanwhile are threatening to send mass notices of the potential for layoffs before the November elections.

Ryan is presenting dire forecasts for military and defense-related jobs in swing states. He made an emotional appeal to stop sequestration in Virginia, and claimed the defense cuts could cost 55,000 jobs in North Carolina and 44,000 in Pennsylvania. The new Romney ads claim "Obama's" defense cuts would threaten 130,000 jobs in Virginia, 20,000 jobs each in Ohio and Colorado, and thousands more in Florida and North Carolina.?

But the Pentagon hasn?t yet outlined publicly which programs would be cut or scaled back under sequestration, so there is no definitive way to predict exactly how many jobs will be lost and in which states. The Obama administration issued guidance discouraging companies from issuing preemptive layoff notices so as not to needlessly alarm workers.

There are several problems with the numbers:

  • Ryan drew his state-by-state estimates from a controversial June report by the Center for Security Policy, a conservative think tank, which pulls its estimates for defense-related job losses from a disputed assessment by the Center for Regional Analysis at George Mason University. That report, commissioned by the Aerospace Industries Association, found last year that more than 1 million American jobs could be lost due to defense cuts under sequestration. The figures in the new ads come from a July study by the same GMU center, also commissioned by the AIA.?William Hartung, a defense analyst at the Center for International Policy, said the first report ?vastly overstate(s) the ripple effect of Pentagon spending, to the point that their numbers are almost twice what a more reasonable estimate would suggest.? This approach, Hartung said via e-mail, ?may inflate the claimed job loss by nearly 500,000 jobs.? He said that the second study has the same problems because the methodology was the same.
  • Since the Center for Security Policy released its estimates and the two?GMU reports were published, Obama has announced he would exempt military personnel accounts from sequestration, a move likely meant to ease troops' worries about losing their pay next year.?The decision?also means severe reductions in active duty troops and military bases are less likely.?
  • Ryan accidentally misspoke in North Carolina, his spokesman Brendan Buck said, after National Journal asked about the numbers he was using. The CSP report projects about 35,000 defense-related job losses in that state, not 55,000, as Ryan had said.

Ryan argues that Republicans have proposed a way to spare cuts to the Pentagon. But that bill, which passed the House in May without a single Democratic vote, would replace them with steep reductions in non-defense accounts like Medicaid and food stamps.

Due to Obama?s exemptions for military personnel, the two categories of voters worst hit by the cuts would likely be civilians who work for the military and defense industry workers.?But preserving military industry jobs by cutting deeply into domestic programs might also result in a net loss of jobs, Hartung said, because they would be "counterbalanced to some degree by layoffs of nurses, teachers, police, firefighters and other public-sector workers."

Democrats appear to have public opinion on their side. A July survey found roughly three-quarters of voters from both Democratic and Republican House districts actually want the country to spend less on defense in tight fiscal times. The Program for Public Consultation, which conducted the survey with the Stimson Center and the Center for Public Integrity, also said its findings showed no statistical correlation between the level of defense spending in a district and the level of support for defense cuts.?

Obama has signed a new law that requires his administration to provide details about how sequestration would affect defense and domestic programs, and the report is expected in the coming days. The painful details of the cuts will give each side an opportunity?for the Romney-Ryan ticket to convince voters Republicans can save their defense-related jobs, and Democrats to convince them the GOP would do that by throwing other types of jobs and services under the bus. The clock is ticking.

Source: http://news.yahoo.com/gop-ticket-makes-questionable-argument-defense-cuts-132835272--politics.html

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Google's Project Glass Hits the Catwalk [Google]

Google glasses look dumb enough that you might expect to get beaten up for wearing them. But they've now made an appearance at New York Fashion Week and... they still look dorky, even on super models. More »


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What You Need To Know About Getting Auto Loans | Catlogic ...

One of the best ways to get financing if you want to buy a vehicle is by getting auto loans. It is essential that you get the best company for you to get a good deal. There are multiple ideas you can use.

Getting financing online is a simple process. You need to fill out the type of financing you want and the amount of money you need to borrow. Most websites will provide an online calculator for you to figure out how much to borrow if you are unsure and figure out a schedule of how you will pay it off. You also need to fill out your basic contact information.

The process is secure so you can be sure that your details will be kept private. Anyone can apply for the loan, whether they have a bad credit report, have gone through a divorce or have filed for bankruptcy before. You can be sure that you will find a dealer who is willing to finance you.

There is no bureaucracy involved in the process. You will be able to get feedback on your application within a few days. If the response is positive, you will get the financing within a short period of time.

Making an online application will save you a lot of hassle. This is because it will be quite easy for you to compare the various financing offered by various companies at the same time. This will help you to easily see which companies are offering the best interest rates.

Before you settle on getting auto loans from a particular dealer make sure you know what you are getting yourself into. Ask questions if there is anything that you do not understand and always go for the dealer that you are most comfortable to deal with. Some dealers have preset interest rates which do not vary. This will be advantageous to you.

HertzCarSales has eliminated the middle man! See for yourself by checking out our inventory, buy a used car direct. When looking to buy used cars without the hassle, affordable used cars!

Source: http://www.catlogiccartoons.com/car-loan/what-you-need-to-know-about-getting-auto-loans

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U.S. probes reported record-shredding of fuel buys for Afghan army

WASHINGTON (Reuters) - Investigators are probing reports of record-shredding by officials in the U.S.-led NATO command that trains the Afghan army after learning that records of fuel purchases for the Afghans totaling nearly $475 million are gone.

The training command has also not been tracking whether the fuel it delivers to the Afghan army is actually used or stored, leaving officials unable to determine whether any of it was stolen, said an interim report by the Special Inspector General for Afghan Reconstruction, or SIGAR.

John Sopko, appointed recently by President Barack Obama to the special inspector general's job, told Defense Secretary Leon Panetta in a letter on Monday that SIGAR was investigating the reported shredding by officials of the Combined Security Transition Command-Afghanistan, or CSTC-A.

Sopko's office conducts criminal as well as civil investigations of waste, fraud and abuse relating to U.S.-funded reconstruction projects in Afghanistan.

During an audit of spending on fuel for the Afghan army, the CSTC-A command "informed us that its officials shredded all ANA (Afghan National Army) POL (petroleum, oil and lubricants) financial records related to payments totaling nearly $475 million from October 2006 to February 2011," Sopko wrote in a letter obtained by Reuters.

In addition, the training command could not provide over half the documents the inspector general's office requested for its audit covering March 2011 to March 2012, Sopko told Panetta.

"The destruction of records and the unexplained failure to provide other records violate DOD (Department of Defense) and Department of the Army policies," Sopko said. He said a 2010 memo from the U.S. Army Central Command specifically instructed financial managers not to destroy documents related to the war.

"This matter has been referred to SIGAR investigations, and we would appreciate the continued cooperation of CSTC-A in our official investigation of the destruction of these records," Sopko said.

In a written response to Sopko's office, the training command noted steps it had taken to verify fuel purchases and deliveries, but did not comment on the reported document shredding. Sopko's office has done an interim report and plans to issue a fuller report on the fuel spending later this year.

The CSTC-A is a multinational command that works with the NATO Training Mission-Afghanistan to train and equip the Afghan security forces. The commanding general is U.S. Lieutenant General Daniel Bolger, who was copied in on Sopko's letter to Panetta.

The training command pays for fuel needed to power the Afghan army's vehicles, generators and power plants. But it is preparing to hand over responsibility for logistics, including fuel, to the Afghan army on January 1.

Foreign forces are due to hand off security to Afghan forces by the end of 2014.

The United States, with help from international donors, will continue to pay for the Afghan army's fuel, however, and CSTC-A has proposed to increase spending on the Afghan army's fuel to $555 million a year starting in fiscal 2014, SIGAR said in its interim report. In the current fiscal year, about $480 million was spent, the report said.

Before handing over logistics responsibility to the Afghans and before committing to spend more money on fuel, the training command must develop better controls, the report said.

(Editing by Peter Cooney)

Source: http://news.yahoo.com/u-probes-reported-record-shredding-fuel-buys-afghan-041127852.html

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Manning successful in Denver debut, 31-19

Denver Broncos quarterback Peyton Manning looks to pass against the Pittsburgh Steelers during the first quarter of an NFL football game, Sunday, Sept. 9, 2012, in Denver. (AP Photo/David Zalubowski)

Denver Broncos quarterback Peyton Manning looks to pass against the Pittsburgh Steelers during the first quarter of an NFL football game, Sunday, Sept. 9, 2012, in Denver. (AP Photo/David Zalubowski)

Pittsburgh Steelers running back Isaac Redman (33) runs against the Denver Broncos during the first quarter of an NFL football game, Sunday, Sept. 9, 2012, in Denver. (AP Photo/Joe Mahoney)

Pittsburgh Steelers wide receiver Emmanuel Sanders celebrates a catch against the Denver Broncos during the first quarter of an NFL football game, Sunday, Sept. 9, 2012, in Denver. (AP Photo/David Zalubowski)

Pittsburgh Steelers quarterback Ben Roethlisberger looks to pass against the Denver Broncos during the first quarter of an NFL football game, Sunday, Sept. 9, 2012, in Denver. (AP Photo/David Zalubowski)

Denver Broncos quarterback Peyton Manning lines up against the Pittsburgh Steelers during the first quarter of an NFL football game, Sunday, Sept. 9, 2012, in Denver. (AP Photo/David Zalubowski)

(AP) ? After 611 days away, Peyton Manning couldn't wait to get back on the field. Ben Roethlisberger seemed determined to keep him on the sideline.

Manning overcame Pittsburgh's 10-minute advantage in time of possession and led a hurry-up offense that helped the Broncos beat the Steelers 31-19 on Sunday night in his Denver debut.

"It's just one game. I try to keep it in perspective," Manning said. "I know how hard I've worked to get to this point. I know how much help that I've gotten along the way, from a lot of people. I'm very grateful for that. It's special. I will definitely say it's special."

The four-time MVP coming off four neck surgeries that wiped out his final season in Indianapolis last year completed 19 of 26 passes for 253 yards and two touchdowns. He was sacked twice and bounced up both times without trouble.

Manning got a big assist from another big-time free agent, cornerback Tracy Porter, whose 43-yard interception return of Roethlisberger's pass with 2 minutes left and the Broncos clinging to a six-point lead sealed the victory.

"I should've called timeout," Roethlisberger said. "The play clock was running down, I hate to burn timeouts. I should've. We were kind of all over the place.

"There's no one to blame but myself. I already told my teammates and coaches that it's my fault. It's on me. It's disappointing. I hate to let my team down, my coaches, the fans. That loss is squarely on my shoulders. I'll take that and get better and learn from it."

Manning, jettisoned by the Colts in March after missing all of last season with a nerve injury that weakened his throwing arm, took just two snaps in the third quarter. But one was a 71-yard touchdown throw to Demaryius Thomas, Manning's first as a Bronco and the 400th of his career.

He reached the milestone in his 208th career game. Dan Marino did it in his 227th game and Brett Favre in his 228th.

"I love those guys," Manning said. "Brett and Dan are two of my favorite quarterbacks of all time. I don't feel like I belong in their category. But to be sort of mentioned among them is a true honor."

Manning, however, didn't even keep the ball for his trophy case.

"I talked to him after the game and said, 'You're going to let me keep the ball right?' He got one of the game balls, so he gave me that ball," Thomas said. "That's great to be able to catch his 400th. Hopefully he'll sign it for me. I can go back and show my grandkids in the record book."

Manning, who hadn't played in a game that counted since Jan. 8, 2011, spent much of his night on the sideline as Roethlisberger led a clock-chewing offense that had Denver's defenders gassed and Manning antsy as the Steelers converted 11 of 19 third downs.

"That's what Peyton kept saying to me: 'You guys killed us on third down.' We did," Roethlisberger said. "But at the end of the day it doesn't matter when you lose the game."

At one point, Roethlisberger had taken 30 snaps to Manning's one ? a kneel-down ? during two monstrous drives that spanned halftime.

"Roethlisberger was awesome on third down," Manning said. "Wasn't much fun sitting on the bench there all night. Great job by our defense in the end, getting that turnover."

Steelers coach Mike Tomlin said playing keep-away from Manning was the game plan.

"That was our intention," Tomlin said. "We need to possess the ball, we needed to get stops and time of possession is just that, though you look at the scoreboard, they got it done, we didn't. The plan didn't come to fruition."

Whenever he was between the lines, Manning was masterful.

After going to the no-huddle midway through the first half, he led Denver on three straight 80-yard touchdown drives, picking apart Pittsburgh's defense with precision.

"It helped a lot," Manning said of the hurry-up. "We're going to use the no-huddle as a change-up. Once we did it, it went so well, the coaches kind of said stay with it. I was kind of afraid that might happen."

So were the Steelers.

The Broncos' last drive stalled at the Steelers 8 and they settled for Matt Prater's short field goal and a 25-19 lead with 3 minutes left.

That was more than enough time for Roethlisberger to beat them, Manning figured.

Porter, though, stepped in front of Emmanuel Sanders and returned the interception 43 yards for the score, and Roethlisberger was sacked three times on his last possession after going down just twice all night.

"Better late than never," said Von Miller, who had two of those sacks.

"That was a great feeling," Manning said. "I hated having to settle for a field goal down there. ... I wanted to get a touchdown, make it a two-score game. You don't like giving the ball to Ben on a two-minute drive. Our defense had been bending all game but never quite breaking. That was a huge play by Porter. Von was bringing the pass rush at the end there, that was fun to see."

Manning's 71-yard TD to Thomas gave Denver a 14-13 lead, but the drive took all of 36 seconds, and the Steelers had possession for the rest of the third quarter, running 27 plays against a gassed Denver defense.

Roethlisberger found Mike Wallace for a 3-yard TD strike early in the fourth quarter but his 2-point conversion attempt was knocked down by Justin Bannan, leaving the Steelers with a 19-14 lead.

Manning drove the Broncos 80 yards, hitting tight end Jacob Tamme for the score from a yard out, then hit running back Willis McGahee for the 2-point conversion and a 22-19 lead.

Although this one was a screen pass, Thomas' long TD was reminiscent of his 80-yard touchdown on a crossing pattern on the first play of overtime that beat the Steelers 29-23 in the AFC wild-card game eight months ago when Denver was Tim Tebow's turf.

That changed when Manning was released by the Colts on March 7 after 14 seasons and chose Denver as his destination for his comeback two weeks later after a frenzied free agency tour. The Broncos sent Tebow to Broadway 24 hours later.

Manning looked as good as ever Sunday night.

"What can you say?" Steelers safety Troy Polamalu said. "I mean, he's Peyton Manning. He's the same Manning. Everything anybody has ever said about him is probably the same thing I would say tonight."

Notes: Denver DT Ty Warren, playing in his first game since 2009, sprained an elbow in the first half and didn't return. ... Also hurt in the first half were Steelers O-linemen Marcus Gilbert (knee) and Ramon Foster (eye). ... Steelers star LB James Harrison (knee) sat out, as did S Ryan Clark, who has sickle cell trait that makes playing at altitude dangerous.

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Associated Press

Source: http://hosted2.ap.org/APDEFAULT/3d281c11a96b4ad082fe88aa0db04305/Article_2012-09-10-Steelers-Broncos/id-c47ae1fd9e8d489ca877cc328ff302de

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