Mutual Investment AlertPay

Multiply $12 dollars into $31.000.00 dollars see how:

Learn how to make money with honesty, commitment, responsibility, integrity in a quick way.

Read the text carefully, it really works! Just follow the instructions below. I didn't believe at first, but I am already making money. Do you want to know why it's worth?

The investment is simple, with only $ 12.00 (twelve dollars); you have a big opportunity to earn a good amount of money.

Try it without harm.

* IMPORTANT: This is not illegal, and works! If the instructions are strictly followed, the return of your small investment will have a good success rate. It only depends of your work and dedication of this contract.

"Attention: The success of this program depends on the honesty and integrity of the participants. PLEASE to continue making this program a success by carefully adhering the instructions.

click here: Not yet a member? Register now for FREE!!!

Step 1 - Send 2 USD (two U.S. dollars) on the AlertPay account of the six participants below:

1°)sourcearticles@gmail.com
2°)cachi158@hotmail.com
3°)rainster_rez@yahoo.com
4°)mugenisavana@gmail.com
5°)ed9teenn@yahoo.com
6°)daddy_ziggy@yahoo.com

Step 2 - Now delete the name of the 1st participant on the list and raise the rest to the top, so the 2nd will be 1st, the 3rd goes to 2nd and so on. Now put your AlertPay ID in the 6th on the list.

Step 3 - Post/send your message in at least 200 forums, newsgroups or emails.

DONE!!!

You must be wondering, nice but how I will make money?

Sample estimate: Let’s say the 200 messages that I sent, I receive only 5 replies.

It's a low probability almost impossible. So then I made $ 10.00 with my name in the 6th position in the list.

Now, each of the five persons who just sent me $ 2.00, send messages to over 200 other different places, each one with my name now in 5th position in the list. So, 5 x 5 people is 25 people x $ 2.00 equals $ 50.00.

Each of those 25 people send 200 more messages to other different places, with my name at the 4th position in the list.

And, let's suppose that again only 5 people respond to each of the 25 senders, totaling 125 people.

Then I will receive $ 250.00.Those 125 people post more 200 messages to other different places, with my name at # 3 in the list.

And suppose, again, only 5 people respond, totaling 625 people and I will make an additional USD $ 1250.00 OK!

Now here is the fun part of the story.

Each of those 625 people post more than 200 messages to other different places, with my name at # 2 on the list and each one gets only 5 returns, we will have a total of 3,125 returns of $ 2.00.

That just made me more $ 6250. Finally, these 3,125 persons post over 200 posts of other places with my name at # 1 on the list.

And if still only 5 people to return, we will have a total of 15,625 people, which will give me USD $ 31,250.00. Unbelievable! With the small investment of $ 12.00 I got the tune of USD $ 31,250.00. That’s even more amazing, with only the return of 2.5% (05 returns for each of the 200 messages sent) that I and my colleagues sent.

Keep in mind that there is a chance of you not having any return of your investment, but we believe that you do have a good chance to have an excellent financial return of your investment if you follow the rules with commitment.

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A warning for frequent debit card swipers

by Kim Fusaro, Little Miss Fortune, Glamour, on Tue Oct 27, 2009 8:02am PDT

It may be time to defrost my frozen credit cards.

It turns out that using a debit card for every purchase—which I’m so guilty of!—is a bad idea.

From the smarty-pants over at ShopSmart, here are the do's and don’ts of using a debit card:

DON’T use debit cards for big purchases. They don’t offer the same protection that credit cards do. Credit cards allow you to reverse or dispute charges, and some will even extend the length of warranties.

DON’T use a debit card online. If you use a credit card, your liability for unauthorized charges is capped at $50, no matter what. If your debit card is lost or stolen, it must be reported within two business days to limit liability to $50. If a lost or stolen debit card is reported within 60 days, liability can go up to $500. If an unauthorized transaction is not reported within 60 days of the statement date (and the card hasn’t been reported lost or stolen), you’re on the hook for charges made after the 60th day until the report is made.

DO click on “credit” and sign for payments instead of giving a PIN. Card companies might extend the same zero-liability protection to debit cards as they do to credit cards if the debit cards are processed like the latter, but PIN transactions might not have that protection.

DON’T link your debit card to an account with a lot of money. Thieves can empty your debit-card-linked checking account, so keep just enough in the account to cover current purchases.

Eek! I’m guilty of all of the above! Regularly!
How ’bout you guys? Who else has broken these rules? I better not be the only one!

Top 9 Companies With The Best Job Security

by Michael Kling

Wednesday, November 4, 2009

With unemployment reaching and expected to surpass 10%, job security is one of the top desires of employees today. Along with good pay and benefits, people want to find a company that's not going to give them a pink slip any time soon.

Here's a group of companies that earn high marks in that regard. Nine companies on Fortune magazine's 100 Best Companies to Work For list for 2009 have never undergone layoffs - ever.

1. Nugget Market
This company has avoided layoffs because of careful job placement and shrewd labor management. Instead of laying off workers, the 81-year-old grocery store refrains from replacing employees who leave. Its stores are 15 miles from each other, making it easier to fill positions, and employees are trained to fit various roles. The Woodland, Calif.-based supermarket chain filled 173 jobs, for a 22% job growth in the year before the list was released in February.
Sandwiched between Goldman Sachs and Adobe Systems, the store ranked number 10 on the overall list. Store directors make an average of $116,440 in annual salary, and checkers, the most common hourly workers, earn $34,490. The store also offers 100% health care coverage.

2. Devon Energy
An oil and gas producer headquartered in Oklahoma City, this company takes a conservative approach to its finances, yet still treats its employees well. Ranked 13 on the overall list, it started a 401(k) retirement plan featuring company contributions of 11-22%.
Flexible and prudent management helps avoid layoffs. The company, which cut its operating budget before the recession, withholds raises in bad years but gives midyear pay increases in good times.

3. Aflac
Known for its quacking duck ads, this company sells supplement insurance. The company, based in Columbus, Ga., keeps its eyes on its budget and ears open to employees. Employee suggestions like telecommuting and flex schedules have saved it millions of dollars. Other company benefits include an onsite fitness center, subsidized gym membership and the largest onsite corporate child care center in Georgia.

4. QuickTrip
Because this 24-hour convenience store is privately held, it can send profits back to its stores and workers instead of shareholders. Smart financial management has helped it thrive in the downturn. It offered over new 1,400 jobs last year. Wages and benefits are so good that over 200 employees have stayed with the company more than 20 years.

5. The Container Store
The storage retailer, based in Coppell, Texas, froze salaries and watched spending to avoid layoffs. Still, it kept expanding last year, opening four stores and adding 70 employees. Extensive employee training makes the company stand out.

6. NuStar Energy
Considering layoffs harmful to company productivity, NuStar management avoids them like the plague. The San Antonio-based pipeline and refinery operator also offers bonuses that can exceed $10,000 and 100% 401(k) matches for up to 6% of pay.

7. Stew Leonard's
Known for flashy store displays, this privately-held grocery chain focuses on customer service and long-term sales rather than short-term earnings. CEO Stew Leonard Jr. says selling groceries is a stable business, which helps avoid layoffs. No matter how the economy is faring, people still have to eat.

8. Scottrade
This privately-held online discount brokerage has cut bonuses instead of cutting employees. A conservative growth strategy has also helped it avoid layoffs.

9. Publix Super Markets
A strong balance sheet with no debt helped this grocery chain acquire 49 stores and hire over 1,250 people last year. In its 79 years, it has never had layoffs. No wonder - it's entirely owned by employees.
Besides never laying off employees, at least as of early this year, companies on the list are also some of the best to work for. Treating employees well means good pay and benefits - two factors that are attracting all the right workers. (Preparation can help you land on your feet after getting the "old heave-ho."