1.7 Million Americans Forfeit $2 Billion to Uncle Sam on April 17th
Unclaimed money in the United States is at an all time high, $25 Billion, and unclaimed tax refunds make up a large portion of that number. Approximately $2 Billion in unclaimed tax refunds is owed to 1,714,500 Americans who did not file for their return in 2002.People owed refunds on their 2002 taxes had until April 17, 2006 to file for that tax year and claim their refund. If they do not file the $2 Billion will be forfeited to the government.Unfortunately, unclaimed tax returns are common. There are a few reasons people do not file. Either they don't owe taxes, they didn't have to file because they earned too little, or they didn't take their earned income tax credit. Earn income tax credits for 2002 are for workers who made less than $11,060 and have no children, earned less than $29,201 and had one child, or earned no more than $33,178 and had two or more kids.Considering the people who are eligible for the refunds are those who did not make much, they are probably most in need of this money. Most likely they are unaware the money is due to them or they simply don't know how to claim it.The deadline to claim tax refunds for 2003 is April 15, 2007. People are owed billions from 2003 as well.You can see if you are owed money if you did not file in 2003 by completing a form.CLAIMING YOUR REFUNDThe IRS will send a refund check after receiving the appropriate filing form, Form 1040 (or 1040A or 1040EZ). This form will indicate how large the refund check should be.You can download this form at http://www.irs.gov/pub/irs-prior/f1040--2003.pdf or call toll-free (800) 829-3676 to request the form.If you are owed money from 2003, remember you only have until April 15, 2007 to file or the money will become Uncle Sam's permanently.If you are owed an unclaimed tax refund you may be owed other unclaimed funds. There are millions of Americans who have lost money they may be completely unaware exists.This unclaimed money is considered "unclaimed property" and includes the following:· Savings and checking accounts and safe deposit box contents· Inheritance· Stocks, mutual funds, bonds, and dividends· Uncashed cashier's checks or money orders· IRS refunds· Wages, child support payments· Matured or

Publishing Your eBook
What is an eBook? An eBook or electronic book or digital book is a simply digital text file that can be read on your computer or dedicated reading devices. eBook may consist of text, sound, photographs, illustrations and video. eBook also can contain the “hot link” that will bring the eBook reader immediate access to the website linked in the text.Your eBook can be published in several different ways : 1. Your eBook can be as a digital file that are downloaded and then read on the laptop or desktop computer. 2. Your eBook can be created as a digital file that are downloaded and read on palm-top or handheld computer. 3. Your eBook can be created as a digital file that downloaded and read on dedicated eBook reader devices. 4. Your eBook can be a digital file that are copied onto CD-ROM or Floppy Disk.Here is what you need to start your successful journey in publishing your eBook : 1. You need a computer with internet connection. 2. You need Microsoft Word Program to let you save the ASCII text files. If you have the Adobe Acrobat that would be great, but you don’t need it now as a beginning time. 3. You need a fax machine. 4. You need several e-mail accounts. You will need one for your business, one for your personal e-mail and one for the return email when you register to search engine and directories because when you register to them, you will receive a lot of junk e-mails. 5. You need a desire to adjust your market place. Try to stay out of a fixed mindset on what a book is supposed to resemble. Allow your paying customer to help it evolve into a masterpiece that they will enjoy. Keep open for formatting and authoring more eBooks in a variety of formats.The advantage of publishing eBook rather than traditional book publishing : 1. The production cost that you must spend is much much much lower than you publish a traditional book. 2. You will realize a higher rate of return. 3. Your eBook can be distributed to world wide easily and quickly. 4. You will able to perfect the eBook by making changes to the text whenever you feel it necessary.The most important thing by publishing your own eBook is you have started your own business that will bring you to become an internet entrepreneur.To know How to publish your own eBook in just “One Day

Goals and Key Word Research
You want your web site to come up higher on the search engines, but for what terms do you want to rank? You may find out very quickly that the terms you want to rank highly for are not the terms you need to rank highly on the search engines. The reason for this is that your key words must relate to your search campaign goals. A term may be highly relevant to your product or service, but have no correlation to the final objective you wish to obtain. For this reason, it is important that at this point, you scrap any preconceived notion of the key words you think you want to rank for and first draft your search goals.Define Your Goals: The first thing to consider when establishing your goals is to decide what the specific objectives of your campaign are. That is, what do you consider to be a conversion? A conversion is the desired result of someone coming to your web site. In very few cases, is simply having someone click on a link in Google and come to your home page a desired result, rather it is means to a desired end. What you must decide is what is that end.You may have more than one conversion in mind. In many cases you have several secondary goals. You need to concentrate on what is the central objective the secondary goals will eventually lead to?For example, you may be in the financial industry and consider a conversion filling out a loan application. The key is to identify what is your specific goal and how achieving that goal will benefit you or your organization.One thing to keep in mind is the limitations of search. A conversion for SEO purposes should be something that can occur online. The reason for this is that you will have a hard time tracking the success of your campaign with any analytics tool. Those more elaborate conversions may be something you consider an over riding Marketing or Sales Goal. A prime example of this over riding goal might be a finance company whose goal is to receive an online application for a loan. The actual reviewing of the loan, drafting security agreement and financial statement and finally having the applicant receive his or her funds is outside the scope of a web conversion. Once you have firmly established your goals you can only then move on to consider what key words will likely drive traffic to achieve those goals.Key word research: lore, as the tribe expands, the lore gets distorted and lost.

As you go through this chapter try to remember that the rules are not law, they are intended more as a guide. As these suggestions have grown from the collective conscience and experience of millions of surfers you rip yourself off if you ignore them.

• Have fun, but not at the expense of the other people in the water. This one’s pretty simple, it means don’t take your surfing too seriously, but do be aware that what you do will affect others in the water. You can apply this rule by simply learning the following rules.

• Don’t drop in, (this means don’t catch a wave that someone else is already riding. The surfer on the inside, closest to the breaking part of the wave, has right of way). The simplest and best way to apply this rule is ‘one wave, one surfer’, and for the beginner that’s the only way to look at it.

*It’s interesting to note that in the world of competitive surfing, there are no grey areas with the drop in rule either. It’s used in its simplest form, one wave, one surfer, and there are heavy penalties for breaking this rule.

Outside of competitive surfing there are grey areas with this rule, but they have a tendency to be confusing and usually only apply to the more difficult surfing conditions. By default this is also the realm of the more experienced surfer.

The drop in rule is one of the longest standing rules in surfing and it stems from basic common sense. If you drop in on another surfer’s wave, you’re not only stealing something that someone else has worked really hard for, but you’re also putting yourself and the other surfer in danger.

This is also the most consistently broken rule of all, and the one which, when broken will cause the most friction in the line-up. Drop in on the wrong person, and you could find yourself in a pretty spooky situation, some people get radically upset when this rule gets broken.

Why does this rule get broken so much? Well there are many excuses, but they all can be put into two major categories – greed and frustration.

Greed: The greedy surfer just decides that, this wave is mine regardless of whether it is or isn’t. There will be many rationalisations for this; e.g. local’s rights or ‘I’m a better surfer than you and wont waste the wave’, or some such self-righteous rubbish. Sometimes it’s sheer intimidation, in an attempt to force other surfer’s to leave the water, but if you’re honest about it, it’s all about greed.

Frustration: The justifications may be different here, but the behaviour is not. It’s still about, ‘I’m not getting what I want, so I’ll take yours instead’.

It’s interesting to note that those who are greedy usually drive those who drop in out of frustration, to this behaviour, thus it becomes a self-perpetuating cycle. There is also the crowd factor. When locals at any given break feel hard done by, they will usually start to drop in on the tourists in the water and although this frustration is understandable, it’s not acceptable.

Then there is also the learner, or hire board factor. This is where there are people in the crowds, who not only don’t know that ‘dropping in’ is considered the most heinous of crimes, but who think that it looks like really good fun to jump in on someone else’s wave. This all triggers frustration.

The Grey Areas
Except for the final grey area mentioned here, for the beginner it’s better to just see the ‘drop in rule’ in black and white, i.e. ‘one wave, one sur

to look at it.

*It’s interesting to note that in the world of competitive surfing, there are no grey areas with the drop in rule either. It’s used in its simplest form, one wave, one surfer, and there are heavy penalties for breaking this rule.

Outside of competitive surfing there are grey areas with this rule, but they have a tendency to be confusing and usually only apply to the more difficult surfing conditions. By default this is also the realm of the more experienced surfer.

The drop in rule is one of the longest standing rules in surfing and it stems from basic common sense. If you drop in on another surfer’s wave, you’re not only stealing something that someone else has worked really hard for, but you’re also putting yourself and the other surfer in danger.

This is also the most consistently broken rule of all, and the one which, when broken will cause the most friction in the line-up. Drop in on the wrong person, and you could find yourself in a pretty spooky situation, some people get radically upset when this rule gets broken.

Why does this rule get broken so much? Well there are many excuses, but they all can be put into two major categories – greed and frustration.

Greed: The greedy surfer just decides that, this wave is mine regardless of whether it is or isn’t. There will be many rationalisations for this; e.g. local’s rights or ‘I’m a better surfer than you and wont waste the wave’, or some such self-righteous rubbish. Sometimes it’s sheer intimidation, in an attempt to force other surfer’s to leave the water, but if you’re honest about it, it’s all about greed.

Frustration: The justifications may be different here, but the behaviour is not. It’s still about, ‘I’m not getting what I want, so I’ll take yours instead’.

It’s interesting to note that those who are greedy usually drive those who drop in out of frustration, to this behaviour, thus it becomes a self-perpetuating cycle. There is also the crowd factor. When locals at any given break feel hard done by, they will usually start to drop in on the tourists in the water and although this frustration is understandable, it’s not acceptable.

Then there is also the learner, or hire board factor. This is where there are people in the crowds, who not only don’t know that ‘dropping in’ is considered the most heinous of crimes, but who think that it looks like really good fun to jump in on someone else’s wave. This all triggers frustration.

The Grey Areas
Except for the final grey area mentioned here, for the beginner it’s better to just see the ‘drop in rule’ in black and white, i.e. ‘one wave, one sur

ause the most friction in the line-up. Drop in on the wrong person, and you could find yourself in a pretty spooky situation, some people get radically upset when this rule gets broken.

Why does this rule get broken so much? Well there are many excuses, but they all can be put into two major categories – greed and frustration.

Greed: The greedy surfer just decides that, this wave is mine regardless of whether it is or isn’t. There will be many rationalisations for this; e.g. local’s rights or ‘I’m a better surfer than you and wont waste the wave’, or some such self-righteous rubbish. Sometimes it’s sheer intimidation, in an attempt to force other surfer’s to leave the water, but if you’re honest about it, it’s all about greed.

Frustration: The justifications may be different here, but the behaviour is not. It’s still about, ‘I’m not getting what I want, so I’ll take yours instead’.

It’s interesting to note that those who are greedy usually drive those who drop in out of frustration, to this behaviour, thus it becomes a self-perpetuating cycle. There is also the crowd factor. When locals at any given break feel hard done by, they will usually start to drop in on the tourists in the water and although this frustration is understandable, it’s not acceptable.

Then there is also the learner, or hire board factor. This is where there are people in the crowds, who not only don’t know that ‘dropping in’ is considered the most heinous of crimes, but who think that it looks like really good fun to jump in on someone else’s wave. This all triggers frustration.

The Grey Areas
Except for the final grey area mentioned here, for the beginner it’s better to just see the ‘drop in rule’ in black and white, i.e. ‘one wave, one sur

take yours instead’.

It’s interesting to note that those who are greedy usually drive those who drop in out of frustration, to this behaviour, thus it becomes a self-perpetuating cycle. There is also the crowd factor. When locals at any given break feel hard done by, they will usually start to drop in on the tourists in the water and although this frustration is understandable, it’s not acceptable.

Then there is also the learner, or hire board factor. This is where there are people in the crowds, who not only don’t know that ‘dropping in’ is considered the most heinous of crimes, but who think that it looks like really good fun to jump in on someone else’s wave. This all triggers frustration.

The Grey Areas
Except for the final grey area mentioned here, for the beginner it’s better to just see the ‘drop in rule’ in black and white, i.e. ‘one wave, one surfer’. The grey areas are tricky to say the least, and they are best left to the more experienced surfers to judge.

1st comes into play when the surf is crowded.
You see a surfer paddle into a wave, the wave sections in front, you think that he/she is not going to make it. What do you do?

Well, if you’re experienced enough you’ll be able to tell if the surfer on the inside is going to make it, or not. If not, it would be considered ok to take off on the same wave but you had better be 100% sure about it, because if the surfer does make it, or would have made it had you not taken off, then you’ve just dropped in.

2nd is when someone ‘snakes’ you.
If it’s really obvious that someone has snaked you, then this is a time to be assertive and keep going.

3rd applies to those who choose to share waves. These people have made an agreement to do this – it’s not an open invitation to do the same with people they don’t know.

• Don’t be a snake, a snake is a surfer who constantly paddles to the inside, or turns inside someone after they have started to paddle into a wave, and then invokes the drop in rule. In other words try not to be greedy.

This is pretty self-explanatory, but to understand why it’s so important we could take a look at where this rule came from.

It is one of the newer rules in surfing, i.e. it has come into use over the last 15-20 years due to the increasing crowds.

It’s an easy rule to apply and will gain you respect from the more experienced surfers, yet it’s often broken, even though snaking is considered to be really bad form.

How Did Snaking Come About?
Over the years as surfing became more popular the crowds started to increase, and as this happened suddenly there weren’t enough waves for everyone to just take what they wanted. It became necessary to ‘jockey for position’ as the term once was. This meant putting yourself into a position where you were the surfer closest to the inside of the wave, and therefore had the right of way.

As the crowds continued to increase, this jockeying became more intense; it soon got a new name, hassling. Surfers became more aggressive and tried to be the best at hassling to get the most waves. This was an already uncomfortable situation. When someone had the idea of quickly paddling inside while another surfer was taking off they would then turn and jump to their feet. The result was that the surfer who had actually earned the wave, would take off convinced that the wave was theirs, only to hear someone behind yelling ‘Oi’.

The surfer who had done the snaking would then loudly invoke the, ‘don’t drop in rule’ to shift the blame over to the victim. Nice behaviour huh?

This tactic soon came into common use at the more crowded surf breaks around the world. The people who used it quickly became known as “f***ing snakes”. Hence the name ‘snaking’ was born, and we had a whole new style of hassling.

For many this was just the last straw. The consensus among the surfing world was, ‘this has gone too far’. The, don’t be a snake rule was born.

This rule is not just a bunch of sour grapes from the old surfers that can’t keep up with the kids. It is a rule that, like the drop in rule, is strictly enforced at all levels of competitive surfing, from weekend club rounds, all the way up the ladder to the professional world tour.

However, not being a snake is easier said than done.
There will come a time when you’ll find yourself in a crowded situation and it will appe