How to Lose your Girlfriend

Known fact - men and women are pretty different. There are things about women that men have spent years trying to understand and guess what, women don't always get men either. However, no matter how much of a "man's man" you are, there are things you have to notice about the woman you have been dating.

The following is a guide to help you lose your girlfriend. So, if you are happy and want to remain in your relationship, do the opposite of what is listed below.

  1. Buy flowers for her twice a year
    If you only buy your girlfriend flowers on her birthday and your anniversary - she won't feel special. You know why? Because doing this will make you predictable and boring. Women love "just because" and unexpected stuff. While it doesn't necessarily have to be a bouquet of roses or anything expensive, the point is that you should occasionally do something a little out of the ordinary (and so should she).

  2. Send her calls to voicemail
    Even if the Lakers are playing or you are in the middle of a video game, just answer! Women like to call just because - and believe me, she will start to get that pain in her stomach and begin jumping to conclusions if don't answer after multiple calls. By answering, you will give her the chance to understand you are focused on something else and not someone else.

  3. Keep saying "yes" to the guys
    When you always say yes to the guys, your girlfriend will begin to feel left out. Remember, women love quality time! If you can find a balance between your guy time and quality time with her, she will be happy and reassured that you are into the relationship.

  4. Leave the toilet seat up
    There is nothing like falling in the toilet at 3AM. And after falling in the toilet - I am certain you will hate to hear her mouth until the next business day. There is a simple fix. The simple task of placing the toilet seat down will eliminate an agruement and help convey that you are at least a little considerate.

  5. Don't pop the question
    Five years is not only a long time to be in a relationship - it is a long time to be in a relationship without an engagement ring. If you know marriage is not for you, be up front and honest about that while you are dating. Please do not lead a woman on to believe anything differently.
These steps won't solve all the problems or answer all the pending questions men have about women. But a few things are certain, following these quick tips will make you appear more considerate, honest and loving!

Written on 6/27/2009 by Rhonda Kennedy. Rhonda is a screenplay writer that enjoys meeting new people, spending time with family and listening to live music. If you want to get in touch with her, feel free to email her at kennedylife@gmail.com.Photo Credit: simplified complication

Read more

15 Excellent Web Apps For Managing Your Personal Finances

I'm sure I won't be exaggerating if I say that the effective management of your personal finances is a major key to reduced stress and increased happiness. While I am no finance wizard, common sense tells me that keeping an eye on the incoming and outgoing money is always beneficial.

Since personal finance is a lucrative business, the internet has spawned upon a huge number of web apps that try to help you manage your money. I decided to check out a bunch of them and pick 15 such tools which seem good at implementing what they promise. If you have a system that works today, keep it. However, if you are constantly wondering where your last $100 went, it's time to start tracking a little.

  1. Mint
    Mint is probably the most well known of all personal finance web based apps available. It is free to use and offers some excellent financial tools which help to track your investments and manage your budget.

  2. Quicken Online
    Quicken has been the preferred desktop software for managing money and its web version doesn't disappoint either. It also boasts of a host of features like Mint. If you want to see how Mint and Quicken compare then check this article by Ars Technica.

  3. IRS Withholding Calculator
    This calculator , provided by the Internal Revenue Service ( IRS ) of US helps you calculate your taxes and the amount you'd be left with after you are through paying your due. It's a comprehensive calculator and doesn't require your name or address to start the process.

  4. Mookal
    Mookal provides what's probably the fastest way to calculate your monthly mortgage or refinance payments. It has an extremely simple and easy to understand user interface and doesn't require you to sign up to get started.

  5. IsDueOn
    IsDueOn, as the name indicates does the job of notifying you about your upcoming bill payment via email or SMS. You could track a lot of bills at the same time.

  6. BudgetTracker
    BudgetTracker is an advanced personal finance management tool which allows you to import transactions from your bank, track and manage your bills, transfer funds and much more.

  7. MyBankTracker
    MyBankTracker lets you compare bank rates, mortgage rates, CD rates and get comprehensive information about a variety of financial products and services. You could also search for low interest loans and credit card offers on this site.

  8. Spending Diary
    SpendingDiary offers an easy way to track your daily expenses. You can organize your expenses by date, category or value. You could also generate downloadable expense reports and charts.

  9. Wesabe
    Wesabe adds the community angle to money management. Apart from consolidating the information from your bank accounts and tracking your spending, it pools in information from various sources which help you make better financial decisions.

  10. MoneyTrackin
    Moneytrackin is another powerful web based money tracking tool which lets you track multiple projects, create extensive reports and graphs and get email reminders

  11. Maracal
    Maracal, like Mookal is a web based tool for calculating your monthly mortgage payments. It doesn't require sign up and also generates detailed reports on your mortgage payments.

  12. Streetread
    Streetread isn't a personal finance manager but could be useful if you like to stay abreast with what's happening in the finance world. It's aggregates headlines from the major finance sites so that you can quickly go through them. You can also get stock quotes in the same manner.

  13. Buxfer
    Buxfer is an innovative money management tool which manages your expenditure, bank accounts and budgets in a modern, tabbed interface. You could even sign in using your Google, Yahoo or Facebook account and SMS transactions to your account.

  14. Xpenser
    Xpenser lets you track your expenses on the go. You can log your expenses by sending them via email, SMS, voice message, IM or Twitter. Simple, quick and easy.

  15. Quicken Beam
    Quicken Beam is another mobile expense tracker which lets you track your expenses, bank accounts, payments etc from your mobile phone. It's optimized for iPhone too.
Cheers,

Abhijeet

Written on 6/25/2009 by Abhijeet Mukherjee. Abhijeet is an internet entrepreneur who loves writing about tech, productivity, blogging & making money online. Catch him at Jeet Blog and also subscribe to his weekly newsletter.Photo Credit: Quicken

Read more

How To Finally Feel Motivated At Work

Do you find yourself arriving at your desk in the office, feeling anything but enthused about the day to come? Do you end up spending most of the day chatting on Facebook and Twitter, and trying to look busy if the boss walks past? Does your work sometimes seem pointless or futile?

Unless you genuinely feel that you’re in the wrong career, quitting isn’t the answer (and leaving a secure job in current market conditions isn’t a move to take lightheartedly). If your work seems to be lacking something, try looking at your own attitude and actions to rediscover your motivation. Here are some questions to think about...

  1. What Values Can Your Job Meet?
    We all have values – concepts or ideas that are, perhaps, more important to us than our own day-to-day happiness. Your top value might be your family, or it might be serving other people. It might be money, or a particular social status.

    Know your values – and figure out how you can focus your work around them. For example, if you place a high value on helping other people, make it your mission at work to brighten someone’s day with every email you send; be extra helpful, courteous, and willing to go the extra mile. If your family is the thing closest to your heart, keep photos of them on your desk or computer, and focus on how you’re providing financial stability for them through your job.

  2. What Opportunities Can You Say “Yes” To?
    Many people complain that their job is routine, boring and dull – but they never make an effort to step out of their usual role and take on something new. If your boss asks for volunteers for a new project, why not offer to have a go?

    Some opportunities might require courage: the first time I was asked to do a presentation to a group of clients, I was terrified! But you’ll find that the braver you are about seizing these chances, the more interesting your work will become. Be proactive, too: ask to work with a different department for a short time, or to be trained up in a new area.

  3. What Can You Do To Take A Proper Lunch Break?
    Office-workers have a lunch hour for a reason: no-one can concentrate well for seven or eight hours solid. Taking a proper break in the middle of the day will leave you feeling refreshed and remotivated for the afternoon ahead.

    If you habitually work through lunch, you’re not doing your productivity any favors (you may find that you actually get more done in the day if you take that hour off, as you’ll be more focused in the afternoon). And don’t spend your lunch hour sitting at your desk watching YouTube clips: get out of the office for a change of scenery.

  4. How Can You Build Strong Relationships With Colleagues?
    If you work full-time, you spend more hours with your colleagues than with almost anyone else in your life. Sometimes, it might feel as though you’re stuck with a bunch of people who you have little in common with – but if you take the time to get to know your colleagues, you’ll find at least a few mutual interests.

    Make a point of eating lunch with other people. Invite a deskmate to join you on a walk at lunchtime. Take an interest in their life, and find out what matters to them – don’t just chat about work. Consider organizing a social event – anything from a simple drink after work to a trip to a movie.

  5. Where Do You Need To Rebalance Your Life?
    Sometimes it’s not the conditions at work itself that are sapping your energy: it’s other things in your life. If you have a large number of commitments outside work, you’ll probably end up feeling frustrated and miserable because you don’t get much time to yourself.

    On the flip side, if you have nothing to focus on except work, you might find that you either end up partying your weekends away (and regretting it during your hungover Monday morning) – or that your life ends up revolving around work. Why not get back into an old hobby, or use some of your free time to volunteer?
Do you start each morning feeling full of enthusiasm for your job? Or do you sometimes need to consciously motivate yourself? Share your tips and experiences in the comments.

Written on 6/24/2009 by Ali Hale. Ali is a professional writer and blogger, and a part-time postgraduate student of creative writing. If you need a hand with any sort of written project, drop her a line (ali@aliventures.com) or check out her website at Aliventures.Photo Credit: My Blue Van

Read more

5 Ways to Go Green During a Recession

During a recession it helps to look at any means to save money. The more conscious we are of the fact that we throw money down the drain, the more dollars and cents we save in the process. Every bit counts and you'd be surprised at the difference it can make in your weekly budget.

By implementing green tips at the same time you'll not only help your own pocket, but also planet Earth. The following 5 green recessions tips will give you a good head start in becoming more environmentally conscious and money smart.

Just remember, the following tips are barely the tip of the iceberg in regards to ways in which we can look after the planet. By implementing small steps at the time we can all do our bit toward a greener world.

  • Save energy
    The easiest way to save energy is to buy energy efficient light bulbs for our homes. In summer, turn off your thermostat and use thick curtains to insulate your home rather than switching on the air conditioner. If you need to use the air con, set it to be at 78 degrees Fahrenheit. In winter turn the thermostat down a couple of notches. Here is a list of 101 other ways to save energy at home.

  • Save fuel
    Saving fuel is easier than you think. You can start by reducing the amount of time you just hop into the car to drive around with no particular destination in mind. If you live in a city with a good transport system then you could consider going public and leave your car home. This will help you to save gas and money. Even better would be to walk.

    I actually own a scooter. These motorized bikes are highly effective for city traffic as you'll never run out of options to park. Plus they are very cost-effective. I barely spend $2/fuel each week. Plus scooters are fun to boost.

    Another option is to carpool with friends from work. By sharing one car between several people you reduce emissions and lower the cost of transport for all involved.

    Here is a list of other ways to increase mileage and decrease your fuel costs.

  • Save water
    The first step you can do to save water at home is to turn off the tap when you brush your teeth. The same rule applies for when you shower. Turn the water off while you soap your body then turn it back on to rinse. Doing this will save quite a bit of water each time you take a shower.

    Faucet aerators are small devices that are attached to your water taps. They cost between $0.50 - $3.00 each and can save you a lot of money by reducing water flow to 2.0, 1.5 or 1.0 gallons per minute at normal pressure rates.

    You can also save water by using a bucket to wash your car instead of using a hose.

    Here is a great list of 49 other ways that you can save water. I gaurantee you'll learn something if you go through the list.

  • Shop with intelligence
    Smart shopping can also save money and energy. The first step to smart shopping is to always shop with a list. Unless you have a list – and stick to it – you will only end up buying unnecessary things, such as snacks and "spur of the moment" products.

    Refuse to buy products with excess packaging. The more we force manufacturers to listen, the sooner they will stop waste - at least we hope so.

    Buy organic. Organic products might be more expensive e.g. You won't save money, but you will contribute toward a greener planet.

    Use re-usable shopping bags and give plastic a wide berth. Plastic takes around 500 – 1,000 years to decompose naturally! Stop buying and using plastic-packaged products and switch to recycled or re-usable bags and products instead.

    Buy second-hand. This doesn't apply for food products, but you will pick up many bargains from garage sales and thrift shops. Granted, buying second hand is not for everyone but judging by the success of garage sales, it is a popular way to save money AND contribute to a greener world. As a matter of fact I just hosted a garage sale a couple of weekends ago and made over $700! within 7 hours - not bad for a days work!

  • Save money
    While all the above tips help to save money in some ways, saving money as a primary means can make or break your budget. The fastest way to saving money is to stop spending it. Look at situations in your day-to-day life where you tend to buy impulsively.

    It could be when you are feeling down, stressed or pressured. Analyzing those potential money thieves are important if you want to take control of your money. Shopping for happiness doesn't work. In fact, I believe that the best feelings are always experienced BEFORE we buy something. The anticipation of buying a certain product results in a bigger high than actually having it in the end.

    If you buy on impulse only to feel rotten right afterward, stop. Just by cutting back on small expenses each week you can save a nice bit of money by the end of the year. When we spend cash we tend to – conveniently – forget about it. A coffee here, a magazine there can add up.
I'd love to hear your thoughts on how you deal with this recession, and what you have done to save money or go green.

Thanks for visiting.

Monika

Written on 6/23/2009 by Monika Mundell. Monika is a passionate freelance writer and pro-blogger. Her blog Freelance Writing helps new freelance writers to get started in this exciting industry. If you like to work with Monika, feel free to visit her Portfolio site.Photo Credit: Serge Melki

Read more

How To Write a White Paper to Attract Clients

Do you have a new idea, business model, product or service? Do you want to get noticed by using a marketing method that might only cost you time? Try writing a white paper to attract people to your door.

So, What’s a White Paper?

Historically white papers were distributed to a privileged few and written by government and policy folk as a way to frame a policy or course of action.

Today, however, white papers have gone mainstream in the business community. They are a great way to let potential clients know you know something and can help them in some way.

At the most basic level, a business white paper:

  • identifies or explains the landscape relating to an idea, service, or product;

  • explains a solution or course of action that can be taken based upon the landscape; and

  • describes how you can help the reader achieve that solution of course of action.
A well put together business white paper can really show off your talents and help you establish trust and build a relationship with a potential client.

Where do you start?
Think back to that essay you wrote in grammar school - your drafting should begin with a basic outline that includes - an audience, a set of facts based upon research, an argument and a conclusion. Once you have those loose pieces of the puzzle together, move on to some serious drafting by crafting your draft around these elements:
  • Define Your Audience – Who is your reader?
    You might have a specific business plan that defines your “client” or “customer” or you simply have an idea of the types of people or businesses that might be interested in what you make or do. Either way, before you go anywhere with your draft you need to define who you think is going to be reading your white paper. Defining your audience will help you keep focus on a particular type of reader throughout your drafting process.

    As an example, if you are a web developer wanting to draw in small business to your e-commerce solution, dedicating a good deal of your white paper to the technical aspects of how your solution works is a sure way to lose your reader. In the alternative, you want to be sure that your paper explains, in practical terms, how your solution makes sense for their small business operations.

  • Explain the Landscape – What is the Issue? Where is the Need?
    This is the part where you dazzle them with your understanding of the facts, figures and information. This section of your paper requires the type of writing and information synthesis you likely hated to do in school but don’t lose sight of the fact that beyond knowing who your reader is, it’s the most important part of any white paper that is going to attract clients.

    This is also the section of your paper where you refer to “good and reliable” references. Make sure you include them either in-line, at the bottom of the page or on a reference list at the end of your paper. The quality of your references is going to let the reader know you have done your homework and mastered the issues. It also gives them the opportunity to verify what you had to say.

    Your explanation and mastery of this information is what is going to establish credibility with your reader and attract them as a client. Don’t start any of your discussion in this section with “in my experience” and try to stay away from your own research.

    As an example, if the topic of your white paper is - the best way to dress for an outdoor vacation adventure - you want to use this section of your paper to discuss the ins and outs (research and all) of proper layering. You don’t want to use this section to tout how your new parka system was used by sherpas for years.

    Your experience or research might be interesting but what you know and can explain about the broader landscape is what delivers value to the reader. Recognize that if your reader stops reading your white paper after this section you have already given them a valuable take-home, one that they will likely remember.

  • Identify the Solution or Course of Action – What should your reader do?
    Are you going to engage in a hard or soft sell? Answer this question before you start drafting this section. You can dig right in to your specific solution or course of action and explain the who, what, where and why of it or you can write objectively about different types of solutions or courses of actions.

    Choosing the latter is usually a better bet because it continues to establish credibility and trust with your reader. Don’t, however, underestimate taking a more direct route. The route you choose in this section really depends on your product or service and audience.

    Either way, you need to be specific about what can be done, how it can be done and why it can be done. Tell you reader about the potential options in detail. Compare and contrast those options.

  • Conclude and Put it All Together, - Walk The Reader to Your Door and Say Hello
    You might have figured this out by now… you need to conclude your paper with a tip of your hat to your product or service. If you don’t, how will your reader know about you and what you can do for them?

    In the section above you either wrote directly about your product or service and explained its “best in class” nature or you discussed options that highlighted your product or service as “best in class”. In this section you need to wrap up that discussion and conclude that your product or service is the solution of course of action the reader should take.

    Be specific about what you do and how you can help the reader with the solution or course of action you propose.

    Invite the reader to get in touch, whether it is to discuss your product or service or address any questions or comments they may have about your white paper. Give your contact information and let the reader know how to get in touch with you.

  • Edit, Edit Again and then Again
    Once you have a draft together, put it down. Let it sit for a few hours, maybe even a day. Pick it up again and read it. Does the language make sense to you? Are there typos? Have you organized what you wanted to say in a way that makes sense to you? Put it down again. Give it an hour, a day, etc. and then look at it again with the same questions in mind.

    Once you have taken a look at it several times and think it’s perfect – hand it off to at least two other people. Let them read it, let them edit it.

    A white paper that attracts clients is polished and provides the reader with a great take-home. Hope that your reader prints it out, throws it into a briefcase or shoulder bag and reads it through on the commute home. That simply won’t happen when your reader hits a typo or can’t understand why you transitioned from one idea to the next in your writing.

  • Give it a Spit-Shine
    Now that you have your edited draft together and feel really smart, don’t forget the window dressing. White papers are not slide presentations, glossy brochures or direct mail ads – they are your product, however. So, make them look nice, professional and reliable.

    Don’t add a lot of graphics and color – Keep it as simple as white pages for the body of the paper and a cover page and contact page at the end. There are tons of templates in most word processing programs that will do this for you. Don’t underestimate the need to keep it simple and make it look professional. Two things are going to draw your reader to your white paper initially – the title and the look and feel of it.

  • Publish it…mass produce it…
    You worked hard on your white paper and are hoping to see results – now publish it in PDF and get it out there. Get it on your website. E-mail it to existing clients, friends and others you think might be interested in it. Share is with the masses – post it to google docs, scribd, slideshare, authorStream, findarticles, and the hundreds of other idea sharing sites that are out there.
A well put together white paper will get contacts knocking at your door. They are a great way to create a buzz about you, your ideas, what you know and what you might be able to do for others. So give it a go and see what a white paper can do for you!

Written for Dumblittleman.com on 6/22/2009 by Ari J. Markenson, J.D., M.P.H. Ari is a healthcare attorney, graduate school professor and writer who regularly tries to learn something new as a goal toward personal and professional achievement.Photo Credit: nic's events

Read more

Most Popular

Personal Development

Your Business

Your Cash


Want to contribute to Dumb Little Man?

Find out how to submit your article

Most Popular Categories


Dumb Little Man Marketplace

The DLM Blender - A Smattering of my Favorite Blogs