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Tricia's Musings

Random Thoughts about life in general, living in the big city of Toronto

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You are here: Home / Archives for 2007

Archives for 2007

Working Capital for your restaurant or retail business

June 18, 2007 by Tricia

I know many people who are in the restaurant business. They or their families own franchises or small restaurants. It’s a difficult business – between the hours of business, keeping good employees and creating a delicious menu that will keep clients coming back for more.

Getting business loans to finance a small to medium sized business can be a stressful process as well.

Advance Restaurant Finance is a company that specializes in short term, working capital loans. As per their name they do specialize in loans for restaurants but they also work with small to medium sized retail merchants.

If a business qualifies, the working capital that they’ll receive is a loan, and the interest that the business will pay as the loan is paid off is tax deductible.

Visit the ARF website to learn more if you are looking for working capital for your restaurant or retail business. If you like what you see you can request a call back in order to learn more and perhaps start the process of applying for financing.





Filed Under: Dining and Restaurants, Finance, Sales and Marketing Tagged With: Advance Restaurant Finance, ARF, company, earn, employee, interest, loan, loans, medium business, merchants, restaurant, restaurant financing, retail loan, short term loan, small business, working capital, write off interest

The roses, oh the roses!

June 17, 2007 by Tricia

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octaviahill1

Octavia Hill Rose

My roses are blooming. All of them are blooming! Come visit my backyard and smell their sweet perfume. It’s heavenly.

Three of my rose bushes are taller than I am and they are just covered with scented spring buds and blooms. It’s gorgeous! There’s white ones, pale yellow ones, rich yellow ones, pink ones, pink ones, pink ones, and red ones!

I went out and finally did some work in my garden yesterday. My back is now aching! It as nice to be surrounded by such beauty and scent. My lavender is just about ready to bloom too and I was working with it to straighten it out and the scent of lavender mingled with the beautiful rose scents. Ahhhhh! I must bottle that scent for winter!

The photo above is not this years. I did take some photos while I was out but I haven’t transfered them to my computer yet. Just wait until you see them!

Sadly I lost some roses this winter. You can find out which ones on As the Garden Grows.

Gardeners, Plant and Nature lovers can join in every Sunday, visit As the Garden Grows for more information.

Filed Under: Gardening, Green Thumb Sunday, Hobbies, Home and Lifestyle, Photography, Tricia's Garden Tagged With: backyard, beautiful, beauty, bloom, garden, Gardening, Green Thumb Sunday, lavender, lavender scent, lost, nature, photo, photos, pink, plant, plants, Red, rose, rose scent, roses blooming, scent, spring, white, yellow

EPAY offers universal payment system for merchants and clients

June 17, 2007 by Tricia

If you have an ecommerce website it might be worth your while to visit EPAY. With EPAY your online clients can pay for goods or services with virtual credit cards. It’s very much like the service offered by Paypal, however EPAY allows instant transfers from both EPAY and non EPAY members in over 196 countries. It truly is a universal online payment system.

Is it a secure and reliable service? Yes it is. They have two independent security companies that scan their system every day. They also state that they will never block or freeze accounts. EPAY also offers 128 bit protection, password and digital signatures, IP protection and many other forms of secure service.

If you registered with EPAY as a merchant you’ll be able to accept payments from EPAY members in both EUR and USD funds. If by chance your clients are not members of EPAY that’s not a problem. Your clients could pay into your account with a bank transfer, pecunix or e-gold.

It’s also possible for both businesses and clients to use Virtual credit cards, Virtual debit cards, send SMS and make SMS payments, as well as send invoices by email or to any mobile phone worldwide.

Obviously I’m not a merchant, but I think that I will sign up for an EPAY account to try it out. I mean if I find an online store that I’d like to purchase an item from the more ways that I’m able to pay the better. Plus, as an EPAY member I could easily apply for one of their new premium debit cards. EPAY debit cards are MasterCards and they work online like a credit card, plus they all work in POS and ATM.

I wouldn’t even need to provide a credit history if I applied because anyone in over 200 countries can apply for an EPAY premium debit card without a credit check. I’d also be able to do my cash withdrawals using the premium debit card.

I like the versatility of EPAY. It sounds like it would be a valuable online payment system for merchants and their clients. EPAY offers SMS service, email payments, various options for funding, withdrawal and transfer, merchant tools, and cards. I could be wrong but I don’t think any of the other online payment services offer so many different options to their members.

Think all of that sounds great? Well, there’s one more thing I have to tell you. EPAY also has an affiliate program. EPAY members can refer friends or merchants and earn a 10% commission from all transaction fees of new members that they’ve referred. Sounds good to me!

Filed Under: Affiliates, Cool stuff, Finance, Home and Lifestyle, Money, Sales and Marketing, Services, The Blogisphere, Web and Technology, Website Promotion Tagged With: account, affiliate, bank, business, credit, credit cards, ecommerce, email, email invoice, email payment, EPAY, merchant, merchants, offer, online, online store, payment system, program, secure, SMS invoice, SMS payment, universal payment system, virtual credit card, virtual debit card, website, withdrawal

I’ve hit the 10,000 dollar mark!

June 15, 2007 by Tricia

You know what I just realized? Blogging can be extremely lucrative.

Ok, I already knew that, but lately, almost every single day that message has been brought home to me time and time again as I see my earnings and offers increase.

Tuesday, the 13th of June, I became the second blogger on Pay/perp0st to hit the $10,000 mark. That’s right. I’m the second highest earner on Pay/perp0st.

I started with Pay/perp0st on October 10th 2006 and by November 26th I’d made my first $1000. By the end of December I’d made $2009.35. Odd how it turned out to be almost exactly $2000 at the end of the year, isn’t it? So that means that I’ve made a little over $8000 in the last almost five and a half months.

The funny thing is that in the last several months I’ve really slowed down. I go days without doing a Pay/perp0st post at times. The amount paid per blog has increased though so I can write fewer posts and make the same or better money. Win Win if you ask me.

I started doing paid blogging because I’ve been off work since December 4th 2005 due to Crohn’s. I still have a job as an ER nurse, but I’m unable to perform my duties because I’m simply too ill. Heck, these days I can barely get out into my garden!

I was getting sick pay, and then medical unemployment for a while, but the money ran out by July 2006. We tried taking in borders for a few months, but I couldn’t stand it. One of our borders was a real nut who lied to us all the time and we had to watch her like a hawk. The stress of having someone like that in my home did nothing towards helping me get any better.

So last October, as our situation started to become desperate I went searching for another way to make money. Something that wouldn’t be too hard for me to do. I came across Pay/perp0st and decided to try it. Don’t get me wrong – it’s not easy easy work, but it’s certainly easier than a 12 hour ER nursing shift!

I already had several blogs, but I only used two of them for Pay/perp0st at first. It wasn’t until perhaps February that I added a couple of the other blogs to the system. This allows me to spread out the blogging work that I take not only from Pay/perp0st, but from several other companies across the blogs, and also allows me to be sure that the posts I choose to take truly suit the blogs that I put them on. It’s better for me, it’s better for my blogs and most importantly it’s better for my readers.

I do work with pretty much all the companies now. Some more than others of course. I also earn income on my websites and blogs from other forms of advertising as well – Amazon, Google Adsense, Adbrite, Text L1nk Ads, Auction Ads, Glam Network, private work, and a few other sources. I’m considering experimenting with a few other advertisers – some of whom have come to me directly lately.

I guess I’ve been making money with my websites for several years now. Google Adsense and Amazon being the main sources. However it wasn’t until the past year that I got my act together and really started to work at it. This year I really can see that I could make a living off my websites.

When I first started with P in October, and then other companies, I kept a daily tally of how much I was making. I think I’d set a goal to make at least $1000 a month via all my sources of income. Now, I’m so busy that I haven’t had a chance to tally things up for quite a while – although I do still keep track of every cent I make. I’m just not adding it all up.

A few months ago I saw that I was easily able to increase my goal to $3000 per month, but I do believe that I’m making close to $4000 per month at this time. So my new goal is to make at least $5000 per month by the end of the year.

You know what? I think I will make my goal! Especially since I’m only doing half of what I could be doing and I’ve got 6 more domains to develop!

What I find kind of amusing is that in the comment section of one of the recent posts on Michael Arrington’s Blog, Techcrunch, one of the commenters stated that the majority of blogs listed in Pay/perp0st are very small, run by stay at home moms and only get 3 visitors a month. Right!

That’s totally untrue considering that Pay/perp0st’s demographics state that the majority of bloggers in their system are men and I know that there’s quite a variety of blogs, large and small, writing on a vast number of topics within the system.

This blog is the main blog on the Feverishthoughts.com domain. I’ve got 7 blogs on this domain (5 of which will move to the new domains shortly), but by far, this site, and As the Garden Grows gets more than 80% of the traffic that my Feverishthoughts.com Network brings in.

The stats for Feverishthoughts.com for May 2007 state that there were 130,141 unique visitors, and 513,524 page views. Traffic is increasing weekly! My main website, not a blog – a website, on a different domain, had 46,788 unique visitors, and 106,669 page views.

Those stats are nothing to sneeze at, and I know there’s other bloggers using Pay/perp0st and similar services that have similar stats.

Certainly with stats like that on one of my websites, and a few of my blogs (I didn’t list everything), and the sites I’m developing if I don’t make my $5000 per month target by the end of the year I’ll clearly have been doing something wrong!

Filed Under: Affiliates, Blogging, Internet, Make Money, Sales and Marketing, The Blogisphere, Web and Technology Tagged With: 3000 per month, adbrite, advertising on blog, affiliate, amazon, blog, blogger, Blogging, blogs, Blogsvertise, boarder, comment, crohns, domain, earn, earned, earnings, ER, feverishthoughts network, garden, Glam network, google adsense, Health and Fitness, Health Fitness and Beauty, holiday, IBD, ill, Inflammatory bowel disease, Job, Join, kontera, made 10000 dollars, Make Money, making money, Money, network, nurse, off work, offer, pageviews, pain, plants, posts, ShareResults, site traffic, traffic, unique visitors, visitors, website, websites, write

Stephen King on The Hour and surnames in China

June 13, 2007 by Tricia

I was just watching The Hour with George Stroumboulopoulos on CBC. George used to be a Much Music V-Jay, then last year he hosted a US game show or talk show (The One?) that I think failed miserably, but his show “The Hour” is actually pretty cool.

He babbles away about great topics and ends up interviewing some pretty interesting people. I’ve just watched him interview Mia Farrow and now in a minute or two he’s going to be talking with Stephen King.

Just before his Stephen King interview begins he started talking about how common certain names are in the US. Smith of course is the most common name and King is the 30th most common surname. Did you know that in China with it’s population of about a billion people that there are only 100 surnames? There’s something like 97 million Wangs, and 98 million Lee’s and so on!

Hmmm 97 million Wangs. Why doesn’t that line sound quite right? LOL

Can you imagine trying to find someone in a phone book there? George said the Chinese goverment is finally going to allow people to combine last names so their kids could end up with the surname of the mother or father or perhaps a hyphenated surname. Hopefully this will make a few new surnames come into play. They certainly need some!

Now I’m going to watch one of my favorite authors … excuse me for a moment while I hang on to his every word.

Filed Under: Authors, Culture, Entertainment, Great Reading, Recreation, Television Tagged With: author, blog, CBC, china, common surnames, favorite author, George Stroumboulopoulos, interview, Mia Farrow, Much Music, Music, Quick Blogging, show, Stephen King, Surnames, talk, Television, The Hour, TV host, V Jay, watch, watching

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