Free (Hot Bikini) Car Wash Business Plan

Obtaining Business Financing



When obtaining a business loan for a car wash business, it is imperative that you have a properly structured business plan that will assist you in showcasing how you intend to operate your Car Wash, how the business will operate, how you intend to market the business, the anticipated financial results of your company, and how you intend to repay your debt obligations. This sample loan business plan will provide you with the framework that you need in order to acquire a business loan for starting or expanding this type of business.



Executive Summary



Introduction



When obtaining a business loan for a car wash, it is imperative that your business plan has a clear and concise executive summary that provides an outline of what are seeking to accomplish, how much capital you are seeking to raise, the management biography of the business owner, and an overview of the anticipated profit and loss statements of the business. Here is an example of how the title paragraph should be written:



Car Wash, Inc. ("the Company") is seeking a business loan of $100,000 in order to launch the operations of a car wash that will be based in San Francisco, California. The Company was founded in (Insert Year). The business was founded by Mr. John Doe.



Products and Services



In the next segment of the business loan and business planning document, you should showcase the products and services that you will be providing to the general public. For instance:



The Car Wash will provide customers with the ability to quickly have their cars exteriors and interiors cleaned by the Company's professionally trained staff. The business will not have an automated drive through car wash, but rather individuals will wash and clean the car by hand. The business will generate revenues through the services rendered by the Company's staff as well as through the sale of car care products.



Business Loan Terms



Now it is time to discuss the anticipated terms of the business plan that you are seeking. An example paragraph of how this is stated: At this time, Mr. Doe is seeking a conventional business loan in the amount of $100,000. The interest rate, loan terms, and loan covenants are to be determined during negotiation. However, this business plan assumes that the business will receive a seven year business loan with a seven percent interest rate due on the outstanding principal balance.

Management Biography



Now that the summary of the business has been provided, it is time to provide a brief overview of the owner of the business. An example paragraph summing up the owner is as follows:



Mr. Doe is a highly experienced business person that has years of experience regarding the direct ownership and management of business. He will be able to effectively bring the operations of the Car Wash to profitability while ensuring that the business loan's payments and its covenants are met at all times.

Financial Statements


The most important thing to your lender when applying for a business loan is how you intend to repay the bank. In this section of the business plan, you should provide an overview of the finance's of the business discussing the anticipated revenues, expenses, and profits/losses. You can also discuss the applicable collateral within the business plan that will be used to secure your business financing.



Expansion Plans



One of the most important aspects of your business plan is how you intend to expand the business over a three to five year period. Banks and finance companies always want to see that the business will experience a moderate to strong level of growth. This is especially true in business lending because as your business grows the cash flow that secures your business loan will decrease proportionality against your monthly credit obligations. An example of how this is stated is as follows:



The Car Wash will continue to expand through organic means including increasing the Company's advertising budget via the reinvestment into the after tax cash flows of the business. Additionally, if the business is highly successful then the Company may seek to establish additional Car Wash locations after the third year of operations.





The Financing
Use of Business Loan Proceeds
In this section of the business plan you should focus on how the proceeds of the business loan will be used. An example of this would be as follows:
Car Wash Establishment - $50,000
Car Wash Equipment and FF&E - $10,000
Working capital - $40,000


Management Equity

In this section of the business plan you should discuss the percentage ownership of the business among the owners of the business. For example:



Mr. Doe will own 100% of Car Wash, Inc.



Board of Directors



When applying for business financing, the bank will also want to know who serves as the board of directors. For small businesses, usually the owner serves as the director of the business. An example of how this is worded:



Mr. Doe will be the sole director of Car Wash, Inc.



Exit Strategy



Any bank or financing company is also going to want to know what you intend to do with the business over a set period of time. Many business owners will develop and expand a business with the intent to sell the company to a third party at a later time. When drafting this part of the business plan you should focus on what you intentions are in regards to potentially selling the business. This is often worded as: Mr. Doe would most likely sell the Car Wash to a third party for a significant earnings multiple. Car wash businesses usually sell for approximately one to three times earnings given the financial strength of the business. In this event, the business would be sold by a business broker and the business loan sought in this plan would be repaid according to the covenants of the business loan agreement.



Products and Services



When developing a business plan that is appropriate for obtaining a business loan or other business credit facility you need to clearly showcase the services or products that you will be offering to the general public. An example of how this section is worded goes as follows:



As stated in the executive summary, the Car Wash will provide general car cleaning (of both the interior and exterior of a vehicle) to the general public within its San Francisco based market. The business will generate significant high margin revenues from these services.



Additionally, the business will generate additional streams of revenue from the sale of car care products that customers can use at home.



Industry and Market Analysis



The Current State of the Economy



It is important to let your financial institution know that you are well apprised of the financial situation of the general economy when you are applying for a business loan. This is especially true in today's environment where lending has become more difficult and will remain more difficult in the foreseeable future. Specifically, you should gear this section of the business plan analysis towards the industry that you are operating within. For example: The current economy has remained difficult over the past few years. However, Car Wash businesses typically operate with a strong state of economy stability as these businesses provide a broad level of car cleaning services with a relatively low pricing point. As such, the Car Wash will be able to remain profitable and cash flow positive at all times despite the current state of the economy.



The Car Wash Industry



In addition to providing your business loan officer with an understanding of the general economy, it is important that you showcase that you have an equal understanding of the industry in which you are operating within. As such, you will need to provide you business loan institution of a brief overview of your industry and any potential changes that may affect the way that your company does business. An example of how an industry overview is as follows:



There are over 13,600 car washing establishments in the United States. These businesses produce over $4 billon dollars a year in gross receipts. Additionally, the business employs over 124,000 people, and generates payroll figures of $1.2 billion dollars a year. The industry has experienced a tremendous rate of growth over the last ten years. The car washing industry from 2000 to 2005 experienced growth of more than 18% over the five year period. This industry is one of the fastest growing industries in the United States.







Target Market



In this section of the business loan application and business plan analysis, you should focus on the demographics of your localized market (or national market if applicable). This section should discuss how many people live in your area, the anticipated number of people that would require the use of Car Was businesses, the median household income of people living in the area, poverty line statistics, and any applicable laws that would apply to your operation of the Car Wash.



Competition



Many people that are developing new businesses or expanding existing businesses often feel that their business does not have any competition or limited competition at best. However, this is almost never the case. Unless you have re-invented the wheel – you will have competition. When applying for a business loan, you should clearly showcase your competition in your business plan. This is especially important to your banker as they will be able to gauge your ability to be successful in your targeted market. Many business loan underwriters will aggressively confirm that competitive nature of your local market and your local industry.



When drafting this section of the plan you should heavily discuss the competitive advantages that you intend to have over your competition.



Marketing Plan



In addition to all of the above information that we have covered, your business loan officer is also going to want to know how you intend to market your business to the general public. Most people do not quite understand how to effectively market their business outside of prominent signage or flyer distribution. When applying for a business loan (again in this difficult lending climate), your banker is going to want to see that you have a clear methodology of how you intend to market your services or products to the general public. In this section of the business plan – we will overview how to showcase your services/products to the general public.



Marketing Overview Example



The Car Wash will place prominent signage on the facility to draw a significant amount of foot traffic.
The business will maintain listings in the Yellow Books.
The Car Wash will also maintain an internet website that showcases the Company's operations, hours of operation, and relevant contact information.


Marketing Strategies Overview

Additionally, you will be required to further drill down (in your business plan) how you intend to implement your strategies when you launch or expand your business's operations. In this section of the business loan and business plan documents, you should amplify the bullet points from the section above. For instance:



The Car Wash, Inc. intends to use a number of strategies that will create instant traffic and customer flow to the Company's location. These strategies include not only using prominent facility and road signage, but also distributing flyers to people that fall into he Company's targeted demographics. The business will also regularly take out advertisements in localized newspapers that showcase the Company's hours of operations, car washing services, and specials that are occurring within the Car Wash's location on a regular basis..



The business will also maintain a highly informative website that showcases the Car Wash's services, its hours of operation, service information, licensure information, and other relevant information in regards to the Company's services. This website will be listed on major search engines such as Google as many people now use the internet to locate local businesses.



The Financial Plan



Beyond any other part of your business loan application or business plan, the financials section of these documents are what matters most when applying for a business loan or any other type of credit facility. Ultimately, this section of the business plan showcases not only what your anticipated profitability will be, but also how you intend to repay the funds that you have borrowed through your business financing facility. An example of how this section is structure is as follows:



Assumptions



Car Wash, Inc. will have an average annual growth rate of 10% per year.
Mr. Doe will acquire $100,000 through a business loan in order to launch the operations of the business.


Proforma Financials for a Business Loan



Now it is time to showcase how you intend to repay your loan, generate a profit, and increase the book value of your business over a three to five year period. BusinessPlansForLoan.com has developed an easy to use financial model that you can use when drafting out the financial model for your business plan and business loan application. Through your business loan application, you will be required to have the following:



Profit and Loss Statement for your Car Wash
Cash Flow Analysis for the Car Wash
Balance Sheet for the Car Wash
Business Loan Amortization Tables

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How to get your post approved with PayPerPost

Most of you have been using PayPerPost and Kontera advertising for money making techniques on your blog. Recently I was told by some readers that their sponsored posts were declined by PayPerPost with the reason that

After the page fully loads there are pop up links to "Content links"
add's. Please deleted these from your post and re-submit.

If you want to avoid these types of negative rankings and bans for your blog with PayPerPost and still wish to continue with Kontera, here is the tip on how accomplish this using Kontera filter tags:

Filter Tags are used in order to define an area of the page where ContentLinks™ should not appear. All other areas of the page are valid mark areas. Please use these tags with caution in order to prevent a situation where large areas are filtered unintentionally.

Here’s how they work:

Like any tag it has an open tag (< span name="KonaFilter"> ) and closing tag ( < /span>).

The following is an example of how they work:

< span name="KonaFilter"> Content to be excluded from analyzing < /span>

Make money with private advertising for your blog

As you may have noticed, many make money online blogs are slowly moving away from advertising networks like Google Adsense and moving toward the much more lucrative strategy of private advertising. This is a fairly simple transition for a blog of this size, but if you don’t have the audience size of John Chow — most of us don’t — then it can be pretty difficult to solicit private advertising. What can you do?

To address this very need, PlaceMyProduct.com was created. It’s described as an online auction site for product placement, sponsorships, and ads. They work as an intermediary, but unlike other networks, PlaceMyProduct takes a cut that’s much smaller than 50%. This is the eBay For Web Publishers and Advertisers

The major difference between the PlaceMyProduct online auction site and other advertising networks is that the pricing is not set in stone, but you have the scope to make more money with the higgest bid for the advertising space on your blog.

Just in a matter of few hours of creating my auction, I got a $10 bid for a 125 X 125 banner ad on my blog. Here is the proof, click on the widget and see for yourself.

I think this is a great platform to bring private advertisers and bloggers together in the marketplace for a win-win situation and maing more money online from private advertising media.

Where to get Trend Micro coupon codes

While browsing the internet for deals on AntiVirus software I came across two offers from Trend Micro that were giving away free coupon codes for purchasing from the site.

Here are the two deals on Trend Micro coupon codes:

1. 10% Off - Trend Micro Internet Security 2008
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2. 20% Off - Trend Micro AntiVirus plus AntiSpyware 2008
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Get 20% to 30% bonus miles from SkyMiles

Help your family and friends get that Award Ticket they’ve always wanted by sharing your miles.

And while you’re at it, you will get a few extra bonus miles.

From February 1 to March 31 all SkyMiles members that transfer miles to friends and family will receive an extra 20% bonus miles for each transaction.

And as a special bonus for all of Medallion members, you will get a 30% bonus for all transactions.

So, for example, if you are a SkyMiles member and transfer 10,000 miles, your recipient will receive a bonus of 2,000 miles for a total of 12,000 mile.

Log in to your SkyMiles account to get started

Blog Earnings Report for Jan 2008

Jan 2008 has passed pretty quickly for me with two vacations and it was a rather spectacular month in regards to earnings as well. My earnings have jumped up 300% from last month earnings of $115.33 up to $343.63 in Jan 2008 as a result of more sponsored posts and blog advertising. I’m really not sure why the difference between the worst day (Saturday, Jan 12, 2008 - 2.44% of my AdSense earnings) and the best day (Sunday, Jan 13, 2008 - 3.97% of my AdSense earnings) was so immense considering that the best day followed the worst day immediately.
My previous earnings were as follows:
Nov 2007 earnings of $124.07
Oct 2007 earnings of $111.75

I’m still trying to get a little bit more diversity into my earnings with the goal that my AdSense earnings jump 50% while keeping the money earned stable. I think I will have to test a few schemes and get rid of some that do not make that much sense anymore. I have monetized my blog in 18 different ways listed below.

Here are my blog earnings for Jan 2008:

1. SponsoredReviews.com Earnings: $137.37
2. Google AdSense Earnings: $59.02
3. A.W.Surveys Earnings: $37.75
4. AuctionAds / ShoppingAds Earnings: $25
5. WidgetBucks Earnings: $25
6. Smorty Blog Advertising Earnings: $12
7. Buxr Earnings: $10
8. Kontera ContentLink(TM) Earnings: $10.65
9. Helium Earnings: $7.37
10. Blogsvertise Earnings: $5
11. PayPerPost Earnings: $5
12. Fusion Cash Earnings: $5
13. BidVertiser Earnings: $3.17
14. AdBrite Earnings: $0.99
15. Pheedo Feed Advertising Earnings: $0.14
16. Voxant Newsroom Earnings: $0.07
17. Shareapic.net Earnings: $0.06
18. Hubpages Earnings: $0.04

Total Blog Earnings for Jan 2008: $343.63

I want to concentrate on direct ad sales as well because this is something that I have been neglecting for a very long time. The stats from last month showed for instance that both Evertons and John Chows direct ad sales made up 9.11% and 11.45% of their total earnings while mine remained at 0.33%.

To sum up my plans for Feb 2008:

+ Focus on direct ad sales
+ Remove AdSense Search and install a better search
+ Get rid of Feedburner Ads in Feeds
+ Try out some selected affiliate programs to diversify my income

Click here to signup these 18 money making programs for your Blog and earn upto $5,000 from referrals and advertising.

How was Jan 2008 for you ?

Avoid SpeedyAds

According to Entireweb, SpeedyAds is a non-invasive, non-annoying, low-cost way of getting your site in front of thousands of people, to announce new projects or boost traffic to your sites. This unique ad system allows you to advertise as normal, by adding funds to your account via secure money transfer by Paypal.com and/or put a specific ad-code on your own webpages to show ads from this system on your pages and earn credits/funds to your account for free!

I am using SpeedyAds and I am totally disappointed with their service and quality of the Ads. I have spent nearly $25 but yet I am not getting any views/impressions. I am not talking about CTR here, I am talking just plain views.

Their ad has been running on my blog for couple of weeks and I have had 8 Ad impressions for keywords like finance, monetization, insurance, mesothelioma lawyers, etc. Can you believe it? I have written them several emails asking for explanations and soon I will start bloging about them.

Are they really an advertising company?

Moreover I also read that they are not compatible with Google AdSense.

Take my advise and remove the SpeedyAds from your blog.

They dont even have a referral program.

How much refund for my $10,000,000 Diamond Bra?

Last month there was a class action lawsuit for easy refund of foreign transactions on credit card, and now its time for Diamond refund.

People who have bought diamonds any time between January 1, 1994, and March 31, 2006 may be in for a little return on their purchase.

De Beers has settled a class action lawsuit for $295 million. In settling, De Beers is shelling out this $295 million to put the trouble behind it -- $135 million of which is earmarked for consumers rather than wholesalers.

The settlement is the result of a lawsuit which said that the South African company charged anticompetitive prices for the rough diamonds it sold, monopolized the rough diamond market, and disseminated false and misleading advertising.

The rewards can be substantial, media reports that a consumer who bought a $2,000 ring could get as much as $640 back.

There is a settlement website for claims, which provides details on who might be eligible and those interested in filing must do so before March 19.


Here's how refund eligibility is figured:

Purchase price - Maximum claim
Mixed-stones jewelry - Less than $200 - 6% of the retail price

Mixed-stones jewelry - $200 or more - 14.5% of the retail price

Diamonds-only jewelry - Less than $200 - 10.5% of the retail price

Diamonds-only jewelry - $200 to $999 - 27.5% of the retail price

Diamonds-only jewelry - $1,000 to $5,499 - 32% of the retail price

Diamonds-only jewelry - $5,500 to $9,999 - 38.5% of the retail price

Diamonds-only jewelry - $10,000 or more - 45% of the retail price

Loose diamonds Any and all 59% of the retail price

Speaking of which, if had purchased the $10,000,000 Diamond Bra, it would've given me a whopping return of $4,500,000

FREE Bowling Balls - Just Pay Shipping

Bowlersparadise.com is currently giving away FIVE of it's beginner balls completely free. They say they usually cost around $60, like I say I'm no bowler but that sounds about right. All you have to pay is the shipping fee, which is under $20. Considering how heavy these balls are, that seems quite a deal to me. Right now it looks like they have size 15 and 16 in stock, so these are the heavy suckers. They come with a high-gloss polish finish and the following features.

FREE offer valid on the following Balls
Elite Star Green/Yellow
Elite Star Teal/Purple/White
Elite Star Blue/Red/Yellow
Elite Star Red/Gold
Elite Star Green/Yellow/Blue
Coverstock: Polyester
Hardness: 80-82
Core Dynamics:
– RG Max: 2.715"
– RG Min: 2.696"
– RG Diff: 0.019"
– RG Avg: 8.7
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Length: 235
Breakpoint Shape: 30

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Make money from Games with sexually explicit unauthorized hack

Purchasers and original owners of the 2005 Grand Theft Auto: San Andreas are in for an unexpected treat. The game, notorious for a sexually explicit unauthorized hack present only in its original release, is the subject of a recent class-action lawsuit filing and settlement against its maker, Take-Two Interactive and Rockstar Games.

The original Grand Theft Auto: San Andreas release was rated Mature. While common themes of the game included gang warfare, pimping, and home-invasion, it was only after it was discovered that a special feature could be unlocked, allowing players to participate in a sex simulation game, that parents and lawmakers became fully engaged. The sex game, also called Hot Coffee, was denied by Take-Two, before they officially changed the rating from Mature to Adults-Only. Store owners responded by recalling many of the games, and it was later re-released with a patch to avoid access to the explicit materials.

The Lawsuit – On November 8, 2007, Take-Two announced it was facing a class-action lawsuit involving the original version of the game. It continued to deny wrongdoing, and as a result, settlement occurred.

Here’s what eligible consumers may be entitled to if you own an original copy of the game:

1. If you submit your original copy, you will get a replacement game.
2. If you submit your original detailed store receipt, you may get cash up to $35.
3. If you submit a credit card statement or check and game, you may get cash up to $17.50.
4. If you submit purchase details and the game, you may get cash up to $10.00.
5. If you just submit purchase details, you may get cash up to $5.00.

What does this mean for you? Assuming you own, and still play GTA: San Andreas, your best bet might be to keep the disc, as it is a collector’s item in many markets. If all of this Hot Coffee stuff is news to you, and you’re genuinely offended, then trade the game in for a slightly less offensive version of the game. For everyone else who bought a game but no longer has it, I’d try for the five bucks.

Complete lawsuit information can be found at gtasettlement.com, including the requirements for sending in your claims before the May 16th deadline.

Hack: FREE GPRS from Airtel Mobile

A little hack found on the forums on about how to access the net from a pc using a mobile with Airtel prepaid card. Enjoy!
Raw Materials: PC/Laptop and necessary connectivity tools ,ie.,
Serial/USB cable OR Infrared Device OR Bluetooth dongle to connect the mobile to the computer.

1) Activate Airtel Live! ( It’s FREE so no probs)

2)Create TWO Airtel GPRS data accounts (yep TWO) and select the
FIRST as the active profile.

3) Connect your mobile to the PC (or Laptop) and install the driver for
your mobile’s modem.

4) Create a new dial-up connection using the NEW CONNECTION
WIZARD as follows

Connecting Device : Your mobile’s modem
ISP Name : Airtel (or anything you like)
Phone Number : *99***2#
Username and Password : blank

5) Configure your browser and download manager to use the proxy
100.1.200.99 and port 8080.( My advice is to use Opera since you
can browse both wap and regular websites)

6) Connect to the dial-up account. You will be connected at 115.2
kbps (but remember, that is a bad joke).

7) Pick up your mobile and try to access any site. You will get “Access
Denied…”(except for Airtel Live!). IT DOES NOT MATTER.
Keep the mobile down.

8 ) On the PC ( or Laptop) open your browser, enter any address ,
press ENTER and…….WAIT

9) After a few seconds the page will start to load and you have the
WHOLE internet at your disposal.

10) Thank the one who gave you this hack!

Tested and working, leave your comments so that I can know if it works or not.

How to make money trading Forex using Pivot Points

Watch the video on how to make money trading Forex using Pivot Points

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Tips For Better Options Trading

If you trade, you may have heard of options. Trading options carries high risk and has many disadvantages for beginners and even seasoned traders. Therefore, it is wise to be cautious if you are considering options trading.

An option is a contract between two parties giving the taker or buyer the right, but not the obligation, to buy or sell shares at a specific price on or before a specific date. To have this right, the taker pays a premium to the writer or seller of the contract.

There are two types of options available: call options and put options.

Call options give the taker the right but not the obligation to buy the shares at a specific price on or before a specific date. The put options give the taker the right but not the obligation to sell the shares at a specific price on or before a specific date. The taker of a put is only required to deliver the underlying shares if they exercise option.

There are a few advantages in option trading:

Put options allow you to hedge against a possible fall in the price of the shares you hold. You can consider taking it out as insurance against a loss in the share price. By taking a call option, the purchase price for the shares is locked in. This gives the call option holder until the expiry date to decide whether he or she will or will not buy the shares. This is also applicable to the taker; he or she has to decide whether or not to sell the shares before the deadline.

The ease of trading in and out of an option position makes it possible to trade options with no intention of ever exercising them. If you expect the market to rise, you may want to buy call options, and if you are expecting a fall in the market, you may decide to buy put options. This means that you can sell the option prior to the expiry date to take a profit or limit a loss.

Options also allow you to build a diversified portfolio for a lower initial outlay than purchasing shares directly. The income generation for options can get you profits over dividends by writing call options against your shares. By writing an option, you receive the option premium up front. While you get to keep the option premium, it is possible that you could be exercised against and have to deliver your shares to the taker at the exercise price. This strategy uses stock bought on margin.

By combining different options, or stocks with options, you can create a wide range of strategies. You can earn extra income by writing options against shares you already own or are purchasing. This is one of the simplest and most rewarding strategies.

Using options gives you time to decide. Taking a call option can give you time to decide if you want to buy shares. You pay the premium, which is only a fraction of the price of the underlying shares. The option then locks in a buying price for the shares if you decide to exercise. You then have until the expiry date of the option to decide if you want to buy the shares. This is the same as to the put option.

Keep in mind that, same as any other trades do not trade what you cannot afford to lose.

USB 3.0 from Intel, Buy Intel (INTC) stock

PCWorld reports that a faster version of the Universal Serial Bus ports are on the cards… Intel, spearheading the movement, along with other companies, are working together to promote USB 3.0.

USB 3.0 is said to deliver 10 times the speed of USB 2.0. The data transfer rates for USB 3.0 are charted at 4.8 Gigabits per second (Gbps) (the speed of USB 2.0 being 480 Mbps).

Intel stated that the USB 3.0 specification would be optimized for low
power and improved protocol efficiency. The USB 3.0 ports and cabling
will be designed with both copper and optical cable capabilities,
meaning even higher speeds will be possible in the future.

Intel has already unveiled a Wireless USB transfer format, operating at 480 Mbps.

These improvements, as usual, will mean a lot of implications…

* USB 2.0 obsolete
* USB 2.0 cheap as hell
* Increasing dependency on USB… Maybe even for local networking?!!
* Damn fast pen drives!!!

Hopefully, we’ll see USB 3.0 by next year.

Earn 20% referral from Amazon.com Associates Store

1. Now some of the best holiday bargains for Blank Friday are available though Amazon.com

2. Simply shop online from Amazon.com Associates Store for this Thanksgiving Holiday
and earn 20% referral bonus on top of all the Thanksgiving Hot deals and early bird / first-time buyer discounts.

Make money online by sharing your pictures and videos

Here's how it works. Simply upload, share and get paid.

1. Upload unlimited pictures or videos to share with others.
Sharing is easy and could be what you do best whether it's with your friends, on my space, you blog and much more.

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3. You can also add your google adsense code to your pictures and videos and earn even more revenue.

4. You get paid with Paypal within days so sharing really is rewarded with Share a Pic and Share a Flick.

5. Each time you refer a new user you will earn 10% of all their video views forever! Use the link code below to start referring today!

For more information, Share a Pic, and Share a Flick.

Win $25 With One Post

Ready to win some money? I have decided to start a small contest here at Personal Finance Management and Planning. Wondering what the prize is going to be? $25 dollars go to the winner. (The prize will go up as my goals become achieved.)

Win $25 With One Post

All you have to do to enter is write a short, few sentence review of the contest and a link back to it. Leave a comment with a link to your entry. Make sure you link to the actual contest page, not this post.

Do you have multiple blogs? You can post the contest on all of them for multiple entries.

Oh and I forgot the best part. I will post your entry URL on this page and you get a free back link. Priceless in the world of blogging, eh?

The contest ends at 12:01 AM on December 25th, 2008. This is Personal Finance Management and Planning's Christmas gift to all of you!

Good luck!

Make money browsing AdSense Ads on Wii console

Nintendo's much anticipated new generation game console, Wii, will use the Opera browser to connect to the Internet. Wii is one of the smallest consoles around and boasts other great functions as well.

The unit can connect to the Internet by utilizing its 802.11b/g Wi-Fi, which is built in, for wireless connections or via a USB-to-Ethernet adaptor for DSL connections.

Wii's email address is w################@wii.com. Replace the ####'s with your target console's wii number and you can send and recieve emails from it including attachments.

Now picture this...would you use Google AdSense for Wii and make money by surfing your blog using your console, or even read the paid email ads direct from the console?