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People, animals, and other living things go to sleep. I do not know if trees and plants go to sleep. We sleep to recharge our body, memory, cells and tissues. People and animals have their own ways of sleeping.

According to a survey of 1,000 people conducted by Professor Chris Idzikowski, there are at least 6 different sleeping positions for individuals:

1. Fetus position (41% or 410). Some people sleep like a fetus inside a woman's womb. The knees are almost touching the face.

2. Log position (15% or 150). Some people sleep on either the right or left side of the body with the arms down the side.

3. Yearner position (13% or 130). Some people sleep on either the right or left side of the body with the arms in front.

4. Soldier position (8% or 80). Some people sleep on one's back with the arms on both sides.

5. Freefall position (7% or 70). Some people sleep on one's front or stomach with both arms around a pillow and the head facing either on the left or right side.

6. Starfish position (5% or 50). Some people sleep on one's back with both arms around a pillow and the head facing the ceiling.

Others (11% or 110). Some people have a combination of the above sleeping positions and others do not know their sleeping positions.

Probably, you might be wondering how couples sleep. Based on one study, different couples have different sleeping positions. Some of them are:

1. Some couples sleep back to back either touching their backs or not.

2. Some couples sleep face to face with their legs intertwined.

3. Some women sleep by putting their head and arm on their husbands' chest.

4. Some couples sleep like a letter “V” with their legs intertwined.

5. Some men sleep on the side of the bed near the door while women sleep near the wall, or vice-versa.

6. And the WORST, the women sleep on the bed and the men sleep in a couch either in the same bedroom or outside the bedroom within the same house.

7. And the WORST of the WORST, the wives sleep on the bed and the husbands also sleep in the bed, but in another women's house. Aya Yay!

How about you? What's your sleeping position? Click the Add Comment below to share your comments.

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If you belong to those people who have MORE debts and expenses than their income, then you are stressed and worried about your financial condition. You do not know what to do and sometimes you keep your financial problems to yourself.

If you are in debt up to your head, you can solve your debt problems by doing some of the following actions:

1. Create a personal budget. List down all your income, fixed expenses (mortgage loan, auto loan, bank loan, etc.), and variable expenses (credit cards, utilities, food, entertainment, clothing, etc.) to arrive at the bottom number. The bottom number will tell you how BIG is your financial hole.

2. Eliminate unnecessary expenses. Eliminate some unnecessary expenses such as canceling cable TV and newspaper subscriptions, selling your car if you have more than one car, taking public transportation, taking lunch bag to work, and others.

3. Lower interest rates. Contact creditors and request help to lower your credit card, bank loan, and auto loan interest rates.

4. Hire debt management or credit counseling services. Seek the assistance of debt management or credit counseling companies that do not charge upfront fees. The company will negotiate with your creditors to eliminate or reduce the interest rates, but not the principal amount. A reliable company charges a one-time fee of about $50 and a monthly service fee of $40 when you sign up. There is no fee for canceling your debt management service contract.

5. File for bankruptcy chapter 7. If actions #1 to #4 are not sufficient to solve your financial debts, you may want to file bankruptcy chapter 7, through a competent lawyer, to have all your applicable debts discharged by a judicial court if you do not have a lot of assets. If chapter 7 is not applicable to you, your lawyer will recommend filing for bankruptcy chapter 13, where you will retain some certain assets and pay a certain amount up to 5 years to pay some of your credit obligations. After you have complied the requirements, the judicial court will discharge all applicable debts.

In my case, I do not have substantial debts to worry. However, I am managing my debts and expenses like the following:

1. I canceled my cable TV because I seldom watch TV anyway. Monthly reduction: $95.

2. I reduced my Internet speed of 3.0 megabytes per second (cost: $37/month) to 768 kilobytes per second (cost: $26/month). Monthly reduction: $11.

3. I reduced the number of times in going to movie theaters from 2 times a month (cost: $15/month) to once every 3 months. Quarterly reduction: $37.50. I just go to the public library to borrow DVD movies.

4. I canceled my newspaper subscriptions. Quarterly reduction: $42.50.

5. Discover Card offered me a no-balance transfer fee to transfer my other credit card amounts with higher interest rates up to $10,000. Discover Card's offer was 2.99% interest rate up to 18 months (1-1/2 years), then it will go up to 7.99% fixed interest rate. So, I availed the offer by telephone and transferred my credit card amounts with higher interest rate. After 1 week, my monthly credit card payments went down.

6. I brought bagged lunches to work 3 times a week.

7. I listed down on a piece of paper all the things I need and schedule my grocery shopping once a week after office hours and before going home to save on time, effort and gasoline.

8. I went to the public libraries to borrow books, magazines, DVD movies, and CD musics after office hours on my way home.

9. I rearranged all electrical cords connected to the computer, printer, speakers, electric fan, table TV, table lamp, Internet connection, and others in ONE EXTENSION CORD. When I turned off the central extension cord switch, all devices are not consuming electricity.

10. I drove to work at least 1-1/2 hours before my work hours to avoid fast driving, over speeding, and stress.

How about you? Please share with us your actions to reduce or eliminate your debts and expenses by clicking on the Add Comment below.

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Time will come that many banks with physical office locations will establish online banks to compete with online banks with no physical office locations. The number of online banks are slowly growing as we can see on the Internet. If you will compare online banks with brick and mortar banks, they offer higher interest rates on checking, savings, money market and other bank accounts. Online banks can afford to provide higher interest rates because they do not have expenses for bank offices.

6 Ways to Transact with Online Banks Safely

1. Visit the online bank's website, go to the Contact page, and take note of the mailing address.

2. Visit the U.S. Federal Deposit Insurance Corporation (FDIC) website and enter the online bank's mailing address. The purpose is to find out if the online bank is a member of FDIC and if your deposits are insured with FDIC.

An example of an online bank is Ally Bank (http://www.ally.com). It's mailing address is: Ally Bank Customer Care, P.O. Box 951, Horsham, PA 19044. When you enter the address in FDIC website's Bank Find box, FDIC will give you the following information about Ally Bank:

3. See to it that the Sign In web page of online bank is encrypted as indicated by https before the URL address of the website and/or has the key or padlock icon. This means that when you open an online account with the online bank, the transmission of your personal information are scrambled and cannot be intercepted or hijacked by scammers.

Or, you may email the online bank to mail to you the printed account application form where you will write the required personal information and mail it back, together with your initial deposit check.

4. Create a unique username and password. Do not use your name, birthday, address, telephone number, social security number, and driver's license number as your passwords. The length of your password must not be less than 12 characters consisting of a combination of capital and small letters, numbers, and special characters such as @, #, $, and &.

5. Change your password regularly like every 2 months. Write your passwords in a piece of paper and keep the paper in a secured place.

6. Every 6 months or one year, visit the U.S. FDIC website and verify the status of your online bank. By checking with FDIC website, you will know whether the online bank is still a member of FDIC, already bankrupt, or for other information. If something bad happens to your online bank, you are assured that the FDIC will pay for your online deposits up to a certain amount (up to $250,000 per account as of October 14, 2012).

Why Online Banks Better Than Brick and Mortar Banks

Online banks, like Ally Bank, offer better products and services such as:

• Higher interest rates on checking, savings, money market, and certificates of deposits

• No minimum balance required

• Lower bank transaction fees

• You can use any ATM machines nationwide without any fees

• Open 24 hours a day and 365 days a year to do your online banking.

You can try opening an account with some online banks. Be sure to visit the FDIC website to check if the online bank is FDIC-insured. Have fun!

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A Wi-Fi is a technology that connects devices (such as computers and mobile phones) and transmits data wirelessly (no wires) by radio frequency over some Internet network.

Nowadays, you see thousands of people using their laptops inside the airports, hotels, fast foods, food courts in shopping malls, coffee shops, libraries, schools and universities, and other public places.

Please remember that public Wi-Fi connections are not secure. This means that when you submit your personal information (usernames, passwords, bank and credit card information, and others) to the websites you are visiting, your information may be seen, intercepted or “hijacked” by other users of public Wi-Fi. Once your personal information is stolen by other public Wi-Fi users, they can use it in accessing your bank accounts and make online purchases using your credit card information.

6 Ways to Protect You When Using Public Wi-Fi

1. See to it that all the websites that you are submitting your personal information to are fully encrypted. To know if the websites are encrypted, you will see the https (example: https://mybank.com) before the URL name of the websites. See to it that all the web pages have https, not only the Sign In web page.

2. Immediately log out from the encrypted website as soon as you are done with your transactions. Do not use the Back button to exit from the encrypted web page.

3. Create different usernames and password for each website that you visit. Do not use one username and one password for several websites. Your password length must not be less than 12 characters and must contain some capital and small letters, numbers, and special characters, such as @, #, $, &, and others. You must change your passwords at least every 3 months.

4. Install one or more free web browsers into your laptop that intercept and inform you of possible cookies, virus and malwares. Some excellent free web browsers are Google Chrome and Microsoft Internet Explorer. These web browsers will display warning messages on your computer screen to warn you to allow or not to allow cookies, virus and malwares.

5. Subscribe to, and use VPN (virtual private network) if you use public Wi-Fi regularly. The VPN encrypts and protects all traffic from/to your computer and the websites you are visiting even on unsecured Wi-Fi connections.

6. Always look around you if some people are staring on your laptop. If there are, move to another place to continue working on your laptop secretly.

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Have you seen ads like the following: “Be your Own Boss”, “Earn $10,000 a Month from the Comfort of Your Home”, “Join the Fastest Growing Company Now!”? You may have seen similar enticing ads in some street electric poles, newspaper classified ads, your email, and websites you have visited. The messages are different but the intention is the same: To fool you to give your money to the scammers with nothing in return.

The following are examples of work-at-home scams:

1. Assembling of products. You give your personal information and pay money in advance for the materials, supplies and training guides to assemble the products. When you ship your assembled products to the company, you will receive a letter stating that the product quality did not pass the company's “quality standards”. So, no money will be paid to you.

2. Envelope stuffing. You give your personal information and pay money in advance. Then, you receive a letter from the company (without the envelopes, materials and supplies) telling you to recruit your relatives, friends, and others to join the “work opportunity” to receive referral commissions. When you request for refund, the company refuses to return your money.

3. Medical billing. You give your personal information and pay thousands of money in advance. You receive a medical billing software that may not work and a list of doctors and medical clinics to contact. When you call the doctors and medical clinics, you find that they do not need medical billing services or the contact telephone numbers are not available. When you call the company, it tells you to look for medical clients in your local telephone directory. When you ask the company for refund, it refuses to return your money.

4. Rebate processing. You give your personal information and pay money in advance. Then, you receive only poorly written procedures in processing rebates. There are no actual rebates to be processed. When you contact the company for refund, it refuses to return your money.

5. Online searches. You give your personal information and pay money in advance. Then, the company sends you written instructions on how to do the online searches on the major search engines, such as Google, Bing, and Yahoo. After doing a lot of online searches, the company refuses to pay you. Instead, it tells you to recruit your relatives, friends, and others to join the “online searches opportunity” in order to receive referral fees.

How to Avoid Work-at-Home Scams Asking for Money

1. If you receive emails inviting you to join work-at-home business opportunities, immediately classify the emails as spams and delete them.

2. If you are really interested to join some of the work-at-home offers which you think are legitimate, do the following steps:

2.1. Ask for the address of physical location of the office and the office telephone number. Check the address using the Yahoo Map or Quest Map.

2.2. Ask the company if it is a member of the Better Business Bureau (BBB) and has a business permit which you can verify from city or state business permit department. Verify if there are complaints against the company.

2.3. Ask the company for proof and documentations that you will be paid for your products or services. Ask which company will pay you and how much you will receive.

2.4. If you think that the company is legitimate, pay the company by credit credit, not by personal check, money order, bank cashier's check, or cash. By using a credit card, you have 60 days to dispute the charges made by the company (please verify the 60-day grace period with your credit card company, to be sure).

How and Where to Complain

If you joined the company, paid money in advance, and are scammed, you can resolve your problems by doing the following steps:

1. Send a letter (by Certified Mail) to the company telling about your problems and request for refund. State in your letter that you want your money be refunded let's say, on or before a stated date (example: on or before October 27, 2012). Inform the company that if you do not receive your money by the deadline, you will file a complaint with your local District Attorney-General, local Better Business Bureau, and/or U.S. Federal Trade Commission.

2. If the company refuses to return your money, contact and file a complaint with:

• Your local District Attorney-General Office (refer to your local telephone directory or the Internet)

• Your local Better Business Bureau (refer to your local telephone directory or the Internet)

• U.S. Federal Trade Commission at ftc.gov/complaint or 1-877-FTC-HELP (1-877-382-4357)

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A domain name is composed of alphanumeric characters, separated by periods, that identifies the owner of an address of a computer network connection. SEO (search engine optimization) experts will tell you to create a domain name for your blog with some keywords or keyword phrases in order to occupy the highest ranking in various search engines like Google, Bing, and Yahoo. If your blog name is on the first or second page of the search results, your blog can be easily seen by millions of people and they will visit your blog. Thus, increasing your visitors traffic.

Follow the steps below to create a SEO-friendly domain name for your blog:

1. Select at least 3 tentative domain names for your blog. For example, if your blog niche is How To Make Fast Money With A Blog, you can write 3 domain names as follows:

• Money Blogging Tips

• Make Fast Money Online

• Blogging for Money

2. Apply for a free Google account and bookmark the Google Keyword Tool in your Favorites for easy reference.

3. For the first blog name, type the words: money, blogging, and tips (one word per line) on the Word or Phrase box. Click on Search box, then on Global Monthly Searches to arrange the numbers from highest to lowest. The results are as follows (as of October 09, 2012):

• money – 68,000,000

• blogging – 1,000,000

• tips – 30,400,000

4. For the second blog name, type the words: make, fast, money and online (one word per line) on the Word or Phrase box. Click on Search box, then on Global Monthly Searches to arrange the numbers from highest to lowest. The results are as follows (as of October 09, 2012):

• make – 226,000,000

• fast – 45,500,000

• money – 68,000,000

• online – 923,000,000

5. For the third blog name, type the words: blogging, for, and money (one word per line) on the Word or Phrase box. Click on Search box, then on Global Monthly Searches to arrange the numbers from highest to lowest. The results are as follows (as of October 09, 2012):

• blogging – 1,000,000

• for – 1,120,000,000

• money – 68,000,000

From the above 3 domain names, you will use the name: Make Fast Money Online because millions of people worldwide are searching for the 4 keywords (make, fast, money, and online).

If you want to create more blog names in addition to the above 3 blog names, you can do so. I suggest that you write the keyword search results in a spreadsheet or word document. In doing so, you can look back at your keyword statistics before you decide on the final domain name for your blog.

If for example, you decide to use the domain name: Make Fast Money Online (assuming it is available), your blog name will be www.makefastmoneyonline.blogspot.com if you use the free Blogger publishing software and free Blogspot hosting service.

If you implement the above steps, you will be happy that your domain name is keyword-rich.

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If you are interested to join the blogging community for whatever reasons, you have to follow some steps to eliminate mistakes and avoid waste of your time and effort. Below are the steps that you must follow in creating your Google Blogger blog:

1. One week or one month before creating your blog

1.1. Decide on your main blog niche and other blog topics. Make an outline of topics to be discussed in your blog.

1.2. Research and determine the sources for your blog articles.

1.3. Visit various blog sites to view actual Blogger blogs. Go to Google search box and type the following: “ “ + blogspot. Google will display the blogs created by Blogger publishing software.

1.4. Open a free account with Google.com. Only one Google account is needed to use Blogger and other Google products and services.

1.5. Study Blogger blog tutorials.

1.6. Apply for a free Gmail account, using your Google account, and use it exclusively for your blog. Do not use your personal email for security reason.

1.7. Decide on the name for your blog that describe your niche or topic.

2. On the day you will create your Blogger blog account

2.1. Open an account with Blogger.com using your Google account.

2.2. Go to your Blogger dashboard to specify the name for your blog.

2.3. Specify your blog elements such as:

• Header

• Sidebars

• Footer

• Template (select dynamic template for flexibility)

• Labels or categories

• Colors (for page background, text, active links, visited links, hover, etc.)

• Text fonts (example: Arial, Verdana, etc.)

• Gadgets to be placed on the header, sidebars, and footer of your blog

2.4. Save your file.

3. When you write your first blog article

3.1. Bookmark the following websites in your Favorites for easy reference and verification purposes:

• TheFreeDictionary.com

• Google Keyword Tool

3.2. Refer to your outline of topics and write your first article. Proofread carefully your first article and save it as DRAFT (not to be published yet).

3.3. Apply for a free affiliate account at Amazon.com. Approval is instant.

3.4. Go to Google Adsense, select your ad banner sizes and colors, generate and copy the codes, and paste the codes into your blog. You can paste up to 3 Google Adsense banners to each blog page.

3.5. Go to your Amazon affiliate account and select the products that you want to promote in your blog. Generate and copy the product codes and paste the codes into your blog. You can paste up to 10 Amazon affiliate banners to each blog page.

3.6. Review your first blog article with Google and Amazon ads. Make changes and adjustments when necessary.

3.7. Post your first blog article to the World Wide Web or Internet.

4. After 1 month of blog posting or if you have posted at least 30 articles

4.1. Submit your blog to various search engines (like Google, Yahoo, and Bing) and blog carnivals so that people can find your blog.

4.2. Go to Google's Analytics, using your Google account, to monitor your blog performance statistics.

5. After 2 or 3 months of blog article posting

5.1. Visit Adbrite, understand the advertising income for publishers policies, and apply for a free account. After 48–72 hours, you will receive approval from Adbrite if your blog qualifies.

5.2. Visit Chitika, understand the advertising income for publishers regulations, and apply for a free account. After 48–72 hours, you will receive approval from Chitika if your blog qualifies.

5.3. Go to Adbrite and/or Chitika to select the advertising banner sizes and colors, copy the generated codes, and paste the codes into your blog.

5.4. Review your blog article with Google, Amazon, Adbrite, and/or Chitika ad banners. Make changes and adjustments when necessary.

5.5. Post your blog article to the World Wide Web or Internet.

6. After 4 or 6 months of blog article posting

6.1. Visit Wikipedia.org's Internet Advertising Services and Affiliate Networks directory and choose the affiliate companies that you want to join and make money from.

6.2. Experiment the type of ads and products and their placement in your blog to maximize your blog monetization.

7. When you reach the payment threshold for each affiliate account

Note: Affiliate companies will pay you if the threshold amount of $25, $50, or $100 is met.

7.1. Open a personal checking or savings account at your local bank or credit union.

7.2. Open a free account with PayPal to accept payments from your affiliate companies.

7.3. Submit to your affiliate companies your Internal Revenue Service Tax Identification Number (TIN) before payments are made to you.

8. At the end of each year

8.1. You may receive IRS Form 1099-Miscellaneous Income from your affiliate companies for the commissions and referral fees they paid to you.

8.2. File your annual income tax return before the due date (April 15 of each year), if required, to avoid IRS audit and late payment and interest penalties.

When I did my first blog, I wasted a lot of time and effort in making unnecessary changes. After I have experienced the entire process of creating a blog, I listed the steps above to share with you.

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Blogger is an online, web-based blog creation editor that helps individuals and businesses publish contents to the Internet instantly. It is owned by Google and hosted at Blogspot. Both Blogger and Blogspot are free to use.

If you are new to blogging or if you want to create more blogs, using the Blogger publishing software is the smart and intelligent way to go for the following 10 reasons:

1. It is compatible with the top 4 web browsers – Google Chrome, Microsoft Internet Explorer, Mozilla Firefox, and Apple Safari.

2. It is available for both Windows, Mac, and mobile phone computer operating systems.

3. It will automatically display your blog in all desktops, laptops, and mobile phones with Internet connection for wider exposure, advertising and marketing purposes.

4. It is 100% free to use, not on a trial basis.

5. It allows you to customize the URL name of your blog by buying your own domain name. For example: your customized URL blog name will appear like www.YourBlogName.com instead of www.YourBlogName.Blogspot.com.

6. It will allow you to immediately monetize your free blog by inserting Google Adsense and products and Amazon products in your first blog article without any prohibitions.

7. It will accept your one Google account (one username and one password) to access and use all free Google products and services such as Blogger, Adsense, Gmail, Chrome browser, Picasa, Docs, Google Earth and map, Analytics, Calendar, alerts, book search, search box, and news feed.

8. It will allow you to choose your preferred language for your blog either in:

• Arabic

• Bengali

• Indonesia

• Bulgarian

• Catalan

• Chinese (Simplified)

• Chinese (Traditional)

• Croatian

• Czech

• Danish

• Dutch

• English

• Filipino

• Finnish

• French

• German

• Greek

• Gujarati

• Hebrew

• Hindi

• Hungarian

• Indonesian

• Italian

• Japanese

• Kannada

• Korean

• Latvian

• Lithuanian

• Malay

• Malayalam

• Marathi

• Norwegian

• Oriya

• Persian

• Polish

• Portuguese (Brazil)

• Portuguese (Portugal)

• Romanian

• Russian

• Serbian

• Slovak

• Slovenian

• Spanish

• Swedish

• Tamil

• Telugu

• Thai

• Turkish

• Ukrainian

• Vietnamese

9. It will automatically submit your blog to Google search engine. Your search engine ranking will depend on the quantity and quality of your blog articles.

10. It will provide each of your blog the following capabilities, contents and features:

• Blog description – up to 500 characters (any HTML mark up is not allowed)

• Total number of blogs – up to 100 blogs per account.

• Total number of labels or categories – up to 5,000 labels or categories per blog

• Maximum number of free storage for pictures, photos, and albums – up to 1 gigabyte

• Maximum picture size if posted via Blogger Mobile – up to 300 kilobytes per picture

• Total number of blog posts – no limit per blog

• Maximum size of blog pages – up to 1 megabyte per home page or archived page

• Maximum number of blog group authors – up to 100 authors per blog

You may click on any of the following blog sites created by Google Blogger publishing software. Please see how the Google Adsense banners are displayed in some blogs to give you ideas on how to monetize your free blogs.

1. grosgrainfabulous.blogspot.com

2. digbysblog.blogspot.com

3. mlovesm.blogspot.com

4. hyperboleandahalf.blogspot.com

5. nancyrapoport.blogspot.com

6. carscoop.blogspot.com

7. joannagoddard.blogspot.com

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A blog publishing software is a collection of application programs that create and maintain a blog (a shorter name for web and blog). The software allow the blogger to specify a template where contents are to be displayed.

There are several blog publishing editors that are available for bloggers to use. Some application programs are free to use while others require monthly or annual fees. Some free blog publishing software have limited features and there are some free software that provide extensive features.

The following are the top 6 online blog publishing software (as of October 07, 2012) that are available on the Internet.

1. Blogger (www.blogger.com). You can read about Blogger service at Wikipedia.

2. Drupal (www.drupal.org). You can read about Drupal service at Wikipedia.

3. Joomla (www.joomla.org). You can read about Joomla service at Wikipedia.

4. Live Journal (www.livejournal.com). You can read about Live Journal service at Wikipedia.

5. Movable Type (www.movabletype.org). You can read about Movable Type at Wikipedia.

6. Radio Userland (www.radio.userland.com). You can read about Radio Userland at Wikipedia.

My Recommendations for New Bloggers

I recommend Blogger publishing software, owned by Google, for the following reasons:

1. Use Blogger platform as your “training ground” to learn how to create a blog.

2. Immediately monetize your blog when you create your first blog article by inserting Google Adsense and products and Amazon products in your blog.

3. Blogger, through your one Google account: one username and one password) will allow you to:

• Create one or more free Gmail web mail

• Display your blogs to all desktops, laptops, and mobile phones (with Internet connection) for wider exposure, advertising and marketing

• Use the free Google analytic monitoring service to evaluate your blog performance and visitors traffic

• Install search box in all your blogs

• Store your photos, pictures and albums up to 1 GB in your Picasa storage

• Install Google Chrome browser in all your computers for safer and faster Internet browsing

4. You can create up to 100 Blogger blogs under your one Google account and link these blogs to each other to improve your search engine ranking.

5. You can buy your own domain name to customize your Blogger blog name. For example: If you buy a domain name from Blue Host, the URL of your blog will look like this: www.YourBlogName.com instead of www.YourBlogName.Bloghost.com.

6. You will not pay any money for the free Blogger publishing software and free Bloghost hosting service.

You will read many online articles that WordPress blogs are very popular. This is because WordPress had more features than Blogger before December 31, 2010. Now, Blogger is already popular and more bloggers are using it. Three main reasons are:

1. Blogger blogs can be easily viewed in any desktops, laptops and mobile phones with Internet connection, which will result to wider exposure, advertising and marketing. Other blogging platforms have no capability to display blogs on mobile phones.

2. You can immediately monetize your blog when you create your first blog article. Unlike the other free blogging software, you are not allowed to put advertisements, otherwise your blog account will be closed.

3. There are already free blog enhancement features provided by Blogger and third-party websites like a variety of free dynamic templates, gadgets and apps.

So, what are you waiting for? Join the crowd and create your own blog using the free Blogger publishing software. Monetize your free blog and start receiving passive income from your Google Adsense and Amazon product sales. Have fun!

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There are more than 156 million blogs that are available on the Internet as of February 16, 2011, according to Wikipedia.org. More and more blogs are added and published on the Internet everyday.

If you are planning to create your own blog for whatever reasons, you must consider the following 10 things before starting a blog:

1. Think of at least 3 niches or topics that you are passionate about

Select at least 3 major niches or topics that you want to discuss in your blog. From the 3 niches or topics, decide if you want to specialize in one niche or topic or consider all the niches or topics for variety.

2. Determine the sources of information

Based on the niche or topic you selected, identify the various sources where you will get your information for your blog. The information sources may include local libraries, local bookstores, Internet, TV and radio news, personal experience, other people's stories, and others.

3. Understand copyright laws and privacy policies

You must visit some online legal websites and study the applicable copyright laws and privacy policies to avoid any legal problems in the future. You should avoid plagiarism. Write original blog articles.

4. Ask yourself who will write and post articles to the blog

Are you the only one who will write all the blog articles and post them to your blog? Or, will you invite other friends to join you in your own blog? There are some blogs that have more than one authors. Each author may specialize in one topic.

5. Decide for how long you will keep the blog

Do you plan to write articles everyday or at least 2 times a week for 5 years or 10 years? If this is so, you have to consider several niches or topics so that you will not run out of articles to write.

6. Select the blogging platform to use

Depending on your plan, you must decide what specific blogging platform to use. Do you want to use the free Google Blogger or paid blogging platforms such as WordPress, Movable Type, TypePad, or other platforms? Search the Internet for articles that discuss the advantages and disadvantages of each blogging platform so that you can make some intelligent decisions.

7. Learn the various techniques on how to promote your blog

You should read articles on keyword usage, search engine optimization, site map creation, blog carnival and directory submission sites, microblogging, and others to increase visitors traffic to your blog.

8. What type of analytical reports to use to monitor blog performance

To find out if there are people visiting your blog, you must have some blog monitoring reports that you can review everyday every week, or every month. Search the Internet for free and paid analytical reporting services and decide which one to use.

9. Decide if you want the blog to be monetized or not

Read some blogs that reports some income from blogging. Study the blog income strategies, the sources of income stream, the placement of ads, the products being endorsed and promoted, and the like.

10. Understand income tax laws to report blogging income

If you decide to monetize your blog, you should visit the Internal Revenue Service website and download and read some publications and forms related to business organization and reporting of blogging income. In this case, you will know what records to maintain and use in your annual income tax return filing.

After you have done and implemented the foregoing 10 considerations, then you are ready to start your own blog. Have fun and I wish you that you will make a lot of money with your blog.

Please leave some comments by clicking Add Comment below. Thank you.

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