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Learn How To Manage Your Personal Finances Quickly

ajoshlem87 — Thu, 02 Feb 2012 15:21:30 +0000

If you do not want to hash out your monthly finances with pen, paper, and check register, take your budgeting and checkbook-balancing tasks online. There are many software packages and Internet resources to help you track spending, monitor income, work out interest, and even plan out your budget and savings for the month.

Many products out there have some kind of a warranty on them, and if something should go wrong with the product, it would tend to happen during the period of the warranty. Extended warranties can end up costing you more money in the long run.

If you don’t already have one, consider setting up a flexible spending account. You will save money with your flexible spending account if something were to happen where you incurred additional bills. With such an account, you can deposit money directly, before it gets taxed. As some conditions are usually attached to these accounts, be sure to consult a tax professional.

No person desires eviction or foreclosure. However, if it improves your financial situation to have a smaller rent payment, then you may have to try to sell. You do not want to lose your home, no matter what. There are those who try to act ahead of time.

Not all debt is bad debt. An example of a good debt is a real estate investment. Many loans involving commercial property and houses are tax deductible, plus these pieces of real estate generally have appreciative value. A college loan is also considered good debt. There are a number of different loan programs out there designed to put the burden of repayment on the students and not the parents. These generally offer low interest rates and postponed repayment periods that do not occur until graduation has passed.

Keep a handle on personal financial issues by charting a specific course for the coming years. This plan will encourage you to stay on track, and stop you when you become a spendthrift.

One good Forex trading tactic is letting your profits run. However, you must practice moderation, and do not allow your greed to take over. Set a limit for each trade and abide by it, pulling out when the money has been made.

Being able to successfully manage your money is key to your success. Investing capital wisely and guarding profits sensibly will increase your wealth. You can reinvest profit back into your company to build a greater foundation but make sure you clearly manage this money and keep clear records. Set a rule for what profits you keep and what profits go into capital.

When traveling abroad, save on eating expenses by dining at establishments favored by locals. Restaurants near hotels and popular tourist spots are usually expensive. The locals most likely eat at far less expensive restaurants, so find out where they are. You will enjoy better prices and a much more authentic dining experience.

Watch out for mail that may show up in your mail about changes in your accounts. You legally must be notified 45 days before any changes are made. Make sure that you read the new information carefully. Once you have done this, you can decide if the changes make it worth keeping the account. If you do not want to keep the account, pay what you owe and close it.

Put your expenses into their own categories. Make a list that includes all of your monthly, fixed expenses. Place variable expenses onto a separate list. This will make it easier for you to stick to your budget. By having an idea of the amount of money needed for each expense, you will be able to closely monitor your budget and have success with your goals.

You have now learned about how to conserve your resources, now you must learn how to actively manage them. Save what you can, and save it in a way that will make you more money than a traditional savings account.

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Tips To Remove Confusion When Buying Auto Insurance

ajoshlem87 — Thu, 02 Feb 2012 13:41:39 +0000

Try to pay your car insurance on an annual basis rather than monthly. You can save around 5 dollars a month if you do this. The money wasted here adds up fast. Paying your car insurance premium in full at the beginning, saves you yet another monthly bill, of which you likely have plenty of already. You generally spend less on your insurance if you pay the bill in full when it is due.

Sit with your agent prior to personalizing your car to make sure you have the correct amount of coverage. If you pay $700 for new tires that just add a mere $200 value to your car, you will not be reimbursed for that difference should your car be stolen.

When purchasing auto insurance for a teenage son or daughter, be sure to compare the cost of adding your child to the policy you have currently and purchasing a separate policy. Factors such as vehicles on your policy may make it less expensive to buy a different policy for your teenager.

To minimize the cost of your insurance premium, think about raising your deductibles across the board. The amount of your deductible is the biggest factor in determining how high your premiums will be. Of course, you will be held responsible for paying the deductible if you are involved in an accident. Try to build an emergency fund, and leave it untouched to address this problem.

Before purchasing a new vehicle, always research insurance rates. Ask your insurance agent to tell you which cars will get the best rates. Selecting a car with a low insurance rate can help when buying a new or used vehicle. A higher safety rating means lower insurance policies.

Defensive driving courses offer an easy way to enjoy lowered insurance premiums. The majority of auto insurance companies do give discounts for attending these courses. Naturally, you will also benefit by learning to drive in a safer manner. These courses are offered by many driving schools. You will be able to find them on the web if traditional classes don’t work for you.

Some insurers offer a “geezer discount” to people who are over 55 years of age and take a course to bone up on their driving skills. 10% is a perfectly great discount on your insurance premium.

Be sure you are aware of your recent driving record when considering changing your insurance provider. If you recently received a ticket you may want to wait to do this. Insurance companies will check your driving history, so you want to make sure any outstanding fines are paid up. Taking care of these minor infractions is not just your responsibility, it can also keep your insurance costs down.

You will want to keep a good record of bills you have paid. Having proof of payment is always a good idea, as is keeping proof of insurance with you at all times.

You may be able to get lower rates even if you are saddled with a bad driving record. For instance, many insurance companies will agree to reduce your insurance rates if you take a safe driving course after you get an infraction on your license. Some insurance companies, such as Progressive, will install a chip in your vehicle temporarily that allows them to monitor your driving habits. When you have proven that you are a consistently safe driver, you will get a lower rate.

Try to get several quotes before deciding on insurance. Every insurance company has their own way of calculating your risk level and premium rates. You can select the least expensive insurer when you compare rates from various competitors, and you will lower your cost in the process.

There is no disputing the notion that car insurance policies are written in vague, often obscure language. If you take the tips in this piece to heart and educate yourself about insurance policies, it will be possible to make smart, reasoned decisions about your coverage. Purchasing car insurance should be a simple process, and it can be when you have the right information.

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Great Advice To Become An Insured Driver

ajoshlem87 — Wed, 01 Feb 2012 09:49:54 +0000

You should be aware that there are multiple kinds of insurance coverage so that you can be sure your policy covers the things you need. Liability only covers the damage you do to someone else and their property whereas collision and collateral cover your property as well. Other types of coverage that you need include protection from uninsured drivers and damage from fire or other disasters.

Look into 100/200/100 liability coverage if you have minimal assets and a decent car. It is essential that your insurance policy meets all liability coverage levels mandated by your jurisdiction.

If your policy includes a car rental, you should consider taking that off of your policy. If you do not use that feature, you are still paying for it. Removing it from the policy would lower the premium. It may be a gamble, however, hopefully it is one that will pay off in the long run.

Compare the cost of adding a teen to your current plan versus getting their own policy, to see which has the most value. You may save money by purchasing your child a separate policy; the type of cars that you have factor into the price.

Sharing a car between various members of a family can make your auto insurance premiums go up. If only one driver is listed for the car, you will receive a policy at a reduced rate.

Once you’ve sold a vehicle, or no longer have it in your possession, be sure to let your insurance carrier know immediately, so that it can be taken out of your policy. However, carrying insurance unnecessarily can quickly add up, so take care of this as soon as possible.

Tickets and points from accidents will reflect against your driving record and you’ll have to pay more for vehicle insurance coverage. Once these negative marks expire and are removed from your record, your insurance rate will be reduced. If you have recently had tickets and/or points removed from your driving record, now would be a great time to shop for new auto insurance quotes!

When you are looking into getting car insurance, you need to know and understand the coverage types. There are a lot of factors that go into the final cost of your auto insurance. It’s imperative that you are aware of all of these charges before making your final decision. In case you hit someone, you can use bodily injury liability to pay for the legal fees.

When your claim is less that $25,000 you should try to settle it without the assistance of lawyers. The better option is to cooperate with your adjuster in order to reach a deal. Many times, hiring a lawyer will increase costs more than it is worth.

When someone in your home gets their own policy, remove them from yours. The most common instance of this is when your child begins to become self sufficient and purchases their own insurance policy. Although a multiple-driver policy is not as expensive as individual policies for each driver, each additional driver does add an extra cost to your premium.

As you saw in this article, there are many different aspects to auto insurance. You will need to do your research and use common sense, and the effort you put in to choosing your insurance will pay off by protecting your vehicle. By heeding the advice in this article, you will be able to select a good auto insurance policy.

Locating affordable top car insurance companies is not easy task today, there are 1000s of companies nationwide. AutoInsuranceMonitor.com offers list of top car insurance companies with thorough reviews.Similar Posts:

Increase Your Knowledge Of Auto Insurance With These Tips

ajoshlem87 — Wed, 01 Feb 2012 07:14:02 +0000

Make sure you keep good records of your paid insurance bills. On the chance that you get pulled over and need to show proof of coverage, you’ll have a record of your premium payment.

When buying auto insurance, get quotes from different insurance carriers and compare costs. Rates can vary drastically in the car insurance world. Get a new batch of quotes each year to ensure you always have the best rate. Make sure these quotes are for a similar amount of coverage when you’re comparing rates.

Before you select an auto insurance policy, get multiple rates from various companies. Odds are, you’ll have to spend some time looking, if you want to get a really great rate.

It is important to consider every possible scenario when choosing a coverage amount. If you own a lot of expensive things, you should insure them. The personal liability portion of your insurance is to avoid seizure of your assets if you are involved in a case where the other party has bills that aren’t under your policy. Having full coverage will pay off in the long run.

Being married typically decreases insurance premiums, particularly for those younger than 25. Insurance companies view married individuals as less risky than single ones. Married men can save up to forty percent on insurance costs. So, if you are thinking of tying the knot, saving on insurance may be one more incentive to do so.

Consider paying for your annual insurance cost in one payment. A lot of insurance providers charge service fees for policy premiums that are broken up into monthly installments. Try paying your entire policy in one sum to save money in the future.

If you want to save on car insurance, one of the easiest things that you can do is to enroll in a course designed for defensive driving. Most companies will give you a break on the premium if you take one of these classes. It will also teach you to become a better driver. A safe drivers course can be found at many different community colleges, driving schools or recreational centers. They will also be found on the Internet.

When a family member who was listed on your auto insurance shifts to a policy of their own, you need to take them off of your policy immediately to get your premiums down. If your dependent buys their own car, for example, you should take them off your policy so as to lower your premium. Insurance companies count all drivers in your household when they set rates, so reduce the amount of drivers who are covered to help lower your premium.

If you are 55 or older and have participated in one of these classes, you may be eligible for such a discount. A discount, almost 10% in some cases, is certainly a nice perk.

Stay away from sports cars. Insurance is more expensive for sports cars. Instead, buy a less flashy car. Larger motors cost more in insurance premiums as well. Insurance companies charge more for sports cars because there is a higher chance of them getting stolen.

As mentioned, before you buy insurance, it’s important to learn about the insurance you need and to do thorough research. The more information you have the more secure you are going to feel about the coverage you choose. Use the advice contained in the article to get the auto insurance that fits your needs.

Find Wawanesa Insurance coverage right away. With Wawanesa Auto professionals, get free rates on-line!Similar Posts:

Starbucks Gift Vouchers/Discount Card

rizibi — Tue, 31 Jan 2012 22:19:11 +0000

Although they are based in Seattle, Starbucks is commonn worldwide. They come up with up with 11,000 provisionsions across the United States and abovee 17,000 around the earth. This is exceptionallytionally a multi-billion moneycompany and come up with up with something likehing like 137,000 employees.

During the 1990′s, Starbucks was opening a brand pristinestine hoard, somewhere across America, alloncernera! This continued intended forended for near decade. This is rare and explosive growth which hardly anydly any companies increasinglyeasingly experience.

Starbucks gift cards are significantficant whicheverchever epochh of the day Starbucks rewards and meritits’ customers, by on condition thation that a giantt selection of products to wantrom. Starbucks is commonn intended forended for creating special themed products with the purpose of the purpose of think aboutbout the essence of the festivall or epochh of day

They come up with up with fresh rich coffee flavors intended forended for Summer, spiritt painted mugs intended forended for Valentine’s Day and Islamic inspired designs intended forended for Ramadan. Starbucks knows its’ customers feel like like to burst in on on their associatestes, householdold or loved ones with something they know they will love on whicheverchever epochh of day At Christmastime, of option, there’s for ever and a dayer and a day the “secret Santa” on the agency.

Customers be supposed toposed to be aware with the purpose of the purpose of Starbucks gift vouchers are on handn their provisionsions around the earth. Just keep in mind with the purpose of the purpose of the Starbucks gift vouchers can barelyly be redeemed in same rural arearea or bazaar somewherehere they were purchased. This is resolutey the type of currency the Starbucks gift certificateificate or receipt was bought with.

The Starbucks gift certificateificate is the nearly allly all well-locateded abundancence at what timehat time looking intended forended for a quick gift with the purpose of the purpose of is still not publicic and special. The Starbucks vouchers frequentlytly come up with up with a hardly anydly any more restrictions, as to pardon?On? A customer can fall forl for and expire more quickly.

Buying a Starbucks gift certificateificate intended forended for manually, couldld be individualividual of the finestst things you can get something donet something done this season. You can conveniently reload the certificateificate either in a Starbucks location or online. It’s a significantficant way to start the era since it’s sooner than pulling prohibitedhibited cash and digging around intended forended for vary

There are many chairs you can fall forl for a Starbucks receipt or gift certificateificate. There are a fortunetune of websites with the purpose of the purpose of offer a variety of coupons, vouchers and gift cards with the purpose of the purpose of you can order. Even the many online saletes will be boughtought Starbucks gift cards.

Be there there shrewdof scams though. Do not fill prohibitedhibited a survey online if asked. They will frequentlytly rightt hoardour in turn not provideide you everythingng. Many scam sites will look legit but, are not. Facebook is being bombarded with these scammers. The scam hooks you, by offering a uninhibitedhibited Starbucks gift certificateificate worth $50 celebrating their 40th birthday. Then you are taken to a link with the purpose of the purpose of rightt goes nowhere.

If you love coffee and love Starbucks, thereforeefore optionup a Starbucks gift certificateificate intended forended for someone you know, together withwith manually, can be a significantficant way to say meritintended forended for being at this juncturehis juncture. At Starbucks, they are certainly glad you are at this juncturehis juncture and hope you keep approachch back intended forended for the after thatr that 40 years.
free starbucks
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Will Smiths Success Quote

HanceyTaecker502 — Sun, 29 Jan 2012 08:53:39 +0000

My fav quote of Will Smith goes for example “the individual who thinks they may, together with the individual thinks they cannot, both are usually right”. I have been previously BOTH those cats, again and again….

Example – I had been skinny for the majority of my entire life, before about age 26. How skinny? 6 foot 1, 10 stone…scrawny enough for my ex-girl to confess “Jerry, you’ve got no ass”, immediately after we split up. She said hello comfortably too, knowing there would be nothing Possible criticize on her behalf Beyonce-licious body.

“Jerry, you don’t have any ass”

Ouch.

Ironically, I conducted go gym back then to make muscle. A bit of got built, on the other hand found myself telling myself why I could not get a lot: was missing best time, needs to read another gym book, training partners quitting….

That happened. I won an audition within uni some thing in Shakespeare’s play Othello, as Othello himself. Yeah, it turned out charge role. And there’d be repaying audiences there – including hot uni girls. And, don’t ask why, I invited that ex-girl who called me “no ass” to one of this performances. And invited an Egyptian ex-model I fancied for more that per year (long story).

Thereafter I discovered that in a scene I’d have to strip the whole set of clothes off my top half….EXPOSING MY SKINNY NAKEDNESS For the WHOLE UNIVERSE-ITY….might not have auditioned basically if i knew that ish.

Along with exposing my matchstick-man frame, the exposure would damage the believability of my Othello character (a character I had produced to expend months learning and rehearsing). Why? Othello was really a sword-fighting war hero, winner of crazy man to man combats – it wouldn’t work visually that i can present a matchstick version of him.

I couldn’t even remove with the play generally if i desired to – had already invited mad friends. I invited mad fam too. Individuals were in anticipation…

Oooh, the strain was high…

Long story short, it absolutely was sink or swim. And was capable to slip on deep-sea diving gear.

Using the show deadline coming right at me, it’s interesting how all my excuses because of not donning muscle vanished. The time had come to man-up to check out whatever came to be of. F*** it. I went strait from thinking “I can’t” to “yes, I can” on some Obama ish.

I ate better, my gym workouts found purpose, and I stopped missing workouts. Well, a couple workouts got missed but Jerry was focused maaan. While i even arrived at an Othello rehearsal late, strait from gym, and also play director tell me she was PISSED!

Somewhat more elegant the 1st Othello performance started, I have built mad muscle and weighed past 12 stone the first time around my life. Plus i was looking positive, giving the impression of the damn man-conquering army-general Othello I became suppose being playing.

FYI: I need to experienced an Oscar winning performance because me knowning that Egyptian ex-model kissed for the first time that night.

Career offers I’ve been qualified to weigh past 13 stone, close to the 1st class of my healthy weight range. Muscle helped get me paid sex-symbol roles, and modelling assignments. Boom!

AND girls complement me in my ass (must be said).

To conclude, assuming well being, today I’m convinced me otherwise you have the prospect to attempt needs to be hell we put our passion to. Even the ugliest caterpillar in our midst is capable of turning themselves proper butterfly of success.

However, must be caterpillar maintain a pool of possible ways to develop into a butterfly does not mean its going to. In reality, MANY caterpillars don’t put on butterflies. The truth is, they catch an ailment and die prematurely….the sickness known as Get-Eat-By-Hungry-Bird-i-tis.

Humans contain a parallel illness, it’s called Won’t-Try-Because-I’m-Scared-o-sis. Very easy cause physical death just like the caterpillars’ case, it causes something much worse: the death of dreams.

This boogeyman illness, literally scaring dreams to death, is really an epidemic. Hell, you’ve probably already caught it and don’t have any idea!!

Yet the one cure is bold belief. I’m dealing with delusional, ignorance unstoppable, fake it ’till you get it, BELIEF.

“The man or woman who thinks they are, along with the individual that thinks they won’t, both are usually right

http://jerrythehuman.com/2012/01/will-smith-success/

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List Of Best Auto Insurance Providers

ajoshlem87 — Thu, 26 Jan 2012 17:01:35 +0000

If you’re in the process of searching for the proper insurance company, it is for your best interest to deal with the best auto insurance companies. They are capable of supplying you with an ideal protection for your auto insurance requirements. They understand and understand all of your needs for your auto insurance.

What Will I Wind Up Paying Each Month?

If you are getting your car protected with one of the best auto insurance companies they are going to sort out the very best option for you. Your driving record is going to aid them to figure out the cost. If your history is clean of the violations and accidents you will then be entitled for some price reductions. If you’ve been driving more than 2 years and you also don’t have any moving violation, you’re qualified to get a good driver discounts and best auto insurance companies will assure to apply all the discounts that you are qualified for in order to save a lot of cash on your rates and get a low cost car insurance quotes.

How You Can Tell If The Coverage Is Going To Fit My Needs?

Best auto insurance companies have got agents proficient enough to tell you exactly what the coverage they’re providing to you actually gives you. Before you finalize the contract you would want to go through everything again with the representative. Do not sign anything until you get the documented version of the deductibles on car insurance information along with the coverage particulars in case you didn’t quite get precisely what the agent was saying.

How Do I Ensure That I Am Not Dealing With The Low Cost Auto Insurance Providers?

You are able to inquire with the Department of Insurance in regards to the legal aspects of the insurance providers that you are going to do business with. Virtually all the firms and also the representatives who are available are authorized there. Representatives with the terminated license are also available for the review. The department itself will inform them if the insurance carrier you’re dealing with is legit or not.

Investigate everything in regards to the organization ahead of even getting close to it. In worst case scenario you will be conned into providing a false representative your monthly or even annual fee. The most detrimental part of it is if you give out your bank card data, they can do a many things on your credit card. As soon as everything is exposed get hold of your financial institution and request to block the old card and issue a replacement.

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Suggestions And know How For Traveling To California By Car

ajoshlem87 — Sat, 21 Jan 2012 16:26:02 +0000

The same road guidelines are used in all of the of the states throughout USA which includes California, although every state has its own tiny variations. Still if you wish to be aware of the certain differences the finest recommendation is to find one of the California auto insurance companies and make inquiries with the rep. If you’d like the full report on California auto insurance laws particularly, just ask assistance from DMV.

In the event you moved to California for any reason and plan to drive a vehicle, be sure to pick yourself an appropriate auto insurance company. DMV has very high requirements for the vehicle, so they will automatically presume your car less than it and you’ll be instructed to buy the application to just drive through the state, although you just pay one time for it. In California your firearm permit is invalid, window tinting should be met with certain rule as well as spiked wheels.

You will find very strict guidelines in respect of the speaking on the telephone. If you have violated the distracted motorist law, every one of the California auto insurance companies will certainly increase the premium rates significantly. Hands free cell phones are permitted, but should be used in an appropriate manner, which means that the talks should be short and dialing must be carried out only once the vehicle is stopped at the red light or perhaps stop warning sign. For the road security even such option is only accessible for drivers over 18.

It is not unusual to receive criminal charges in case you are driving while under the influence of the liquor. The alcohol level must not go beyond more than 0.8%, however if the police enforcer decides that you are not completely in control of the circumstance and cannot assess it fully, he might arrange a fine, which in turn California auto insurance companies will definitely use to increase the rates.

Regarding lodging, there shouldn’t be a difficulty for anybody whatsoever. The range is so massive that a simple hitchhiker or a large business proprietor will find either a hostel or a best upscale resort for himself. Should not turn out as a big surprise to discover an enormous exhibit of Mexican and South American joints as California features a big number of Hispanic citizens due to the closeness to South American nations. As mentioned before, if you wish to have a flavor of orient, our very best suggestion will be traveling to San Francisco’s china town.

AIS will end up being very helpful in finding California auto insurance companies. AIS is an independent organization that presents most of the California auto insurance companies. They are very experienced in California auto insurance laws and what’s a bigger factor they’ll be able to find you a suitable auto insurance company. To summarize everything up, one can say that California auto insurance isn’t all that hard to get and is reasonable priced should you comply with every one of the road regulations.

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Auto Insurance Tips That Can Help You Out

josaphlem99 — Wed, 18 Jan 2012 19:00:44 +0000

Many people have difficulty ascertaining what types of coverage they need. The amount of liability coverage may be the most crucial decision. Too little coverage may jeopardize your home and other assets if you are involved in a bad accident. Likewise, you need to consider the cost of resulting medical bills, as well as the expenses you will incur if you are found liable for an accident. It’s important to stay on the safe side when choosing your level of coverage.

If you want to lower premium payments, try raising your deductible. By doing this you will see a huge impact on your current rate. Understand however, that this is the amount you will pay in the event of an accident. Setting up a fund for this type of emergency is a good practice, in case you are ever stuck with an unexpected bill.

During the first sixty days of a contract, an insurance company has the ability to drop your coverage without an explanation. While the days go by, the company makes sure that you’re not a large risk to their business. Getting your policy terminated will give you higher premiums in the long run.

Defensive driving classes are an excellent and easy way to reduce the cost of your auto insurance premiums. A vast majority of insurance providers will give a discount to those who take these courses. You may also benefit from being a safer driver as a result of the course. A safe drivers course can be found at many different community colleges, driving schools or recreational centers. These can be located online as well.

Remember that auto insurers have a grace period after you sign on in which they can decide to stop covering you for any reason. When you have a good driving record it is unlikely that your coverage will be terminated. You may want to keep other quotes and insurance agent numbers handy, just in case.

You should always check to make sure your traffic record is clear before you change your insurance provider. Your driving record will be reviewed by the insurance companies, and there is no good reason to avoid paying fines that are due. Taking care of any outstanding fines can help you get a lower rate.

Even just a lapse of auto insurance for one day can end up costing you higher premiums. If you continuously switch insurance providers, it will make gaps in coverage. Insurance companies will raise your rates if they see gaps in coverage.

Comparison shopping for vehicle insurance is not only about which has the lowest total annual cost. Know the details of your policy; including, the deductibles, limits and the amount of coverage that is provided.

You might be able to lower your insurance premiums if you relocate to another municipality or state. A lot of different places have different costs and rules. Therefore, you may be able to find cheaper car insurance if you relocate to another region.

Consider getting a car that is not so sporty. You will spend far less on auto insurance for an economy sedan as opposed to a sports car. Pick a small, less flashy, economical car. If you have a larger motor, you are going to have to pay more to insure it. Sports cars are likely to be stolen more often. Because of this they are more expensive to insure.

Now that you have read this article, take out your policy and look it over. Revising your policy may be a good idea. Make changes that ensure the coverage you need is truly there. This will protect you and others.

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Change Banner in WordPress Greed Theme

Blog Earnings — Fri, 24 Oct 2008 19:42:48 +0000

I could tell by google analytics that a few of my readers wanted to know how I changed the banner in my Greed wordpress theme, this may work with other themes as well.

Actually this is the only downfall of this theme where it says ” GREED OF THE SEVEN DEADLY SINS SERIES”. There is no easy way to change this.

1. Right click the banner and click “view the background image”. You will be able to view the banner only, and take note or the banner URL. Mine is like this

http://www.blog-earnings.com/wp-content/themes/greed-09-rc2/images/bg_banner.gif

2. The bold part of the url is the name of the image So I saved as bg_banner.gif

3. I opened up the banner in paint and proceeded to use the large spray paint can and spray in shades of yellow, green and white until I could no longer see the words. I then saved it again ( I am not an artistic genius so I know there is probably better ways to do this).

4. I searched google for a free banner generator that allowed you to use your own background. Sorry, I can not remember which one I used.

5. I made sure to save my banner as bg_banner.gif and that it remained the same exact size.

6. Log into your Cpanel files and find the original banner by following the path of the url above I told you to take note of.

wp-content/themes/greed-09-rc2/images

at this point you should see the file bg_banner.gif- delete bg_banner.gif now upload your new file bg_banner.gif

You could actually skip the paint process in #3 and just create a banner of the same proportions. I just liked the background texture and tried my best to blend it.

Note: For Some reason my banner showed up left of center, I do not know how to fix this, but you may keep that in mind as you are designing your banner. I kind of like mine there anyways.

Choose the Right Color for Your Blog Theme

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