Friday, April 3, 2009

STOCK MARKET: $50+ @ WWW.ETRADE.COM

I LOVE the Stock Market, because I love to predict what companies/products/industries are going to become more popular/profitable or vice versa. I never felt like I had any $ to spare to invest and I didn't know how to go about doing it anyway. Several years ago I wandered into a Dean Witter office in Santa Barbara, got assigned to a Broker who asked me a few questions about what I wanted to do, I gave him a small amount of $, he invested it, I stopped giving him $ after a month or two, and cashed out. Sad ending. So, since the stock market is so low right now, I thought it'd be an interesting time to get back in the game. I went to www.ETrade.com, transferred $50 from my bank account, waited 5 business days for it to process, bought 5 shares of AIG and 15 shares of Sirius Satelitte Radio, partially because I think the companies have potential and partially because they were the only stocks I like that are less than $2 a share with no minimum purchase, unlike Google, Steel, Petroleum, Apple Computers, Dollar Store, Whole Foods, Water Co., Apartment Prop. Management Co.'s, Payday Advance Stores, CVS, Biotechnology, Garmin, etc. where it's $20-$350 a share and sometimes $450 and up minimum purchase. The only major flaw I found so far is that ETrade charges $12 per buy/sell, so it's not obviously not wise to buy $25 of stock from 2 companies total and spend approx. $25 to do it [$12 per buy per company]..... it's obviously better to buy the max [say, $250 or whatever] of stock and spend that same approx. $25 [$12 service charge for each company x 2 companys = $24] to do it. Unfortunatly, I don't have any money to invest, but I just wanna learn and see what I can do with $50 here and there. It's a way to financially support the companies I love too, in my own small way.

Love, Lis'

Wednesday, April 1, 2009

MY BUSINESS IDEAS - NEED INVESTORS/PARTNERS/BUYERS!!

Business Ideas 2009

Please let me know if you are interested in investing $ and/or sweat equity.

Unfortunately, I’m “the idea girl”, not the “nuts and bolts business girl.” I would love assistance with the areas where I’m weak: Business Plans and Cash. I have received a LOT of advice that many, many ideas become profitable business with the involvement of friends/family/partners, so the least I can do is keep you updated with options.

1.) VEHICLES: Add 2-4 “easy buttons” on the steering wheel of every car, to PRE-SET CRUISE CONTROL AND ELIMINATE SPEEDING TICKETS and the dangerous distracting setting and re-setting of standard cruise control:

1st Button: 15 MPH: Housing Areas.
2nd Button: 35 MPH: Traffic lights.
3rd Button: 65 MPH: Freeways.

2.) RESTAURANTS: “under-the-table” napkin dispensers at every restaurant table. They never seem to provide more than 1 napkin per person and that napkin is to be placed in your lap….. who wants to wipe their mouth or hands with that 1 napkin and then put it back on their lap/clothing! YUCK! Irritating! Poor Service!

3.) GOVERNMENT: Unemployment Insurance USER FRIENDLY website to provide a User Name and Password to access ALL info in individual’s file [rather than going through a ridiculous maze of redial for over 30 min. to speak with someone directly]. If banks and credit cards can do it, so can the government. It’s secure and cheaper than hiring thousands of new employees to answer the phones of angry people.

GROCERY STORE IDEAS

4.) Containers for HOMEMADE Ranch dressing at every grocery store.

5.) Rice Steamers sold at every grocery store, in the Asian Foods aisle.

6.) Pre-sorted “Best Fruit” set aside and charge a premium for the service at grocery stores that are not Whole Foods [Ralphs, Vons, etc.].

7.) Meal Ideas set up at grocery stores with all the ingredients available for sale at one location. For example: A Japanese Station would be set up near the seafood section, with either self explanatory directions or an instructor available.

8.) Sashimi selection sold at Whole Foods and Gelson’s.

9.) Whole Food’s and Gelson’s to provide GROUP OUTINGS to obtain groceries off the land and sea: fishing trips, farm trips for produce, veggies, and/or poultry, beef, etc.


A SOCIAL LIFE

10.) http://www.asociallife.com/ for adults, teens, kids, etc. who would like to be a part of a group of people like them, with organized events, like a frat. or sorority. Could be expensive, but an easy way for someone to organize a group of friends for you. Could be inexpensive, depending on level of involvement. This is partially why AA is so popular, it’s an instant group of friends and free! Frats and Sororities have been popular $$$ money makers for decades and decades, it’s time to bring these concepts to the rest of the world. People are too busy to make friends, but they crave it in their lives. This is an expansion of the dating websites, like http://www.eharmony.com/, but it would match people up for GROUP FRIENDSHIP and/or Business NETWORKING.

For example, say you are a housewife or a busy engineer or your friends have moved away over the years or you’ve moved away from your friends…….. this would be a perfect club for you! It’s perfect for EVERYONE. You would enter your info on the website [similar to the dating sites] and then you would be matched with a group/s of similar interests/values. Each group would have a calendar of events with a free – low – high cost for each. For example, the housewife in zip 92028 would join the “Housewives So. Cal” group and pick and choose from the free group get-together of a walk/yoga/tea on the beach with a semi-organized pairing [like speed-dating where members get to know other members 1-1 or in small groups]. The group could have a lot of input on the activities. There could be a “Wish List” where members could post ideas. In contrast, the busy engineer in zip 92028 could join “Engineers So. Cal.” or “Christians So. Cal” or whatever group he/she is interested in.





I KNOW my business ideas are futuristic, long overdue, high in demand, etc. = high potential for profits.

1.) I bet you 95%+ of people is this world get very annoyed with attempting to place an order at a drive thru speaker window and searching for their server and placing the order, nervous about ordering exactly how you want it because you don’t want to be difficult? I’ve seen it and experienced it countless times.

SOLUTION: http://www.touchscreen.com/ : Affordable touch-screen menu to be sold and implemented at every drive thru and restaurant, with a variety of styles to cater to the style of the restaurant. People do not like yelling through intercoms at drive thru’s and they/we don’t like searching for their server at a restaurant to order another beverage or get some lemon wedges for their fresh fish or napkins and so on. This has disrupted probably every dining experience I have ever had and/or witnessed. Of course you would still have a server in restaurants, but they would just deliver the food. This is futuristic, yet long overdue. $$$

2.) Would you like an inexpensive way to give yourself a makeover by submitting a photograph [or other artifact] to a website and obtaining feedback from other members and/or the internet overall? One could get input on his/her appearance/mannerisms/voice/lifestyle/etc.

SOLUTION: http://www.makeover.com/ : I predict the most popular and hugely poplar transaction would be when someone emails their picture, any picture, and is told very bluntly within a few days an honest opinion of what could be improved, some things without surgery and/or $$ and some things that wouldn’t cost anything [hairstyle] or would be low cost [haircut]. Another development of the company would be to provide a videographer to tape or follow a client for a period of time for 5 min – 5 hours +. $$$

3.) Are you curious about the increasing attention in recent years regarding mental illness, specifically Bi-Polar Disorder? Our society has become more and more magnetized to “reality-shows/books” of all types. There is a void out there, perfect opportunity to make $$$ for a book/tv/film “reality show/film/book” of my experiences, my life story, as I grew up, then as a 22 year old girl, who was “normal”, popular, athletic, “intelligent”, “beautiful”, and then was struck with Bi-Polar Disorder. I think we could make some $$ on my story: past, present, and plans for the future. It would be educational, informative, interesting, inexpensive to produce, and extremely profitable. The easiest production would be a book, of course.

SOLUTION: http://www.ucsbbipolargirl.com/ I want to publish a book that is set up like a “journal w/ documents” about Bi-Polar Disorder from a U.C.S.B. student’s experiences before and after college. This is my autobiography and it’s 99% done. I would be ok with printing it right now, as is, at Kinkos, and selling it outside Barnes & Noble for double the cost and try to increase the price. There have been an increasing amount of publications on Mental Illness lately, especially Bi-Polar Disorder [Brittany Spears, etc.]. This is the perfect time to make a profit on my book. I have researched Publishers and Film Producers [A Beautiful Mind, etc.] and it’s very time-consuming to obtain contact info, etc. I need someone to “adopt” this project and maintain the business account. If all else fails, just give me all the money you can and I’ll do the rest myself. It’s nearly impossible for me to save any money to fund any of these “predicted profitable business’ on $14 hour. $$$

4.) Have you ever been in a rush, didn’t want to shop and prepare your meals/snacks, and pulled through a McDonalds, Carl’s Jr., Jack In The Box, Taco Bell, KFC, etc.,, although you strive and/or claim to care about your well-being and that of your family/friends who may be with you or you are delivering for loved ones?

SOLUTION: http://www.healthydrivethru.com/: Affordable “eco-friendly” drive-thru world-wide restaurant chain with 100% highest-quality, organic [if possible/reasonable], locally grown, healthy food and beverages. An inexpensive item on the touch-screen [no yelling back and forth to a machine speaker like all current drive thrus] menu would be a bowl of brown rice topped with whatever you’d like from the “inexpensive list of ingredients”: such as black beans, organic jack cheese, and locally made salsa. Served with a biodegradable/recyclable bottled water of preference [I prefer Aquafina] or on bottled water ice in a biodegradable/recyclable cup. A more expensive item would be a bowl or plate [biodegradable] of steamed fresh fish [I prefer salmon because it’s the healthiest and tasty too], brown rice, and steamed veggies of choice [mixed, broccoli, carrots, corn, etc.] or a salad of choice [no iceberg, locally grown, I prefer mixed greens w/ tomatoes and mozzarella w/ oil and vinaigrette] with the highest quality choices of salad dressings [always on the side and in a dip container, not tear packet]. This can be done appeal to everyone, is good for society, and is extremely profitable. I’m thinking worldwide, like McDonalds, but 100% better without losing taste or spending more. There will be options to spend a little or a lot. There would be items to indulge in also, but the highest quality ingredients and products. Whole Foods may be interested in this idea. $$$


5.) Do you or do you know anyone who is struggling with any skill: homework, a project, a 2nd language, exercise, musical instrument, etc.?

SOLUTION: http://www.oncalltutoring.com/ . Mobile Tutoring for ANY skill. However, if I was affordable, many people would appreciate a multi-variety of tutoring services. The company would simply serve as a middleman between people who want to make some extra money on the side with people who are willing to pay a variety of amounts to have group sessions come to their home or to go to group sessions at other homes or have one on one sessions at the location of their choice [their home, a park, a library, etc.]. I have worked as a tutor off and on over the years. Wealthy clients are willing to pay over $20+ an hour. $$$

6.) Have you ever been having a nice conversation with someone or assisting the children with their food, and then when you go back to your entrée, it’s COLD, yuck! This is especially disappointing at restaurants because some people don’t feel comfortable having a server microwave their entrée.

SOLUTION: http://www.hotplates.com/: Affordable “Hot Chargers/Plates” of various sizes, colors, and designs that are battery-operated to a hot enough temperature to be placed under everyone’s plate [it would be larger than the “hot food” plate, with the exposed rim unaffected by the heat. The plate could be divided into 4 sections with the option of deselecting a section for cool items on the plate. Smaller “hot chargers” would be used under hot beverages [coffee, tea, alcoholic beverages: hot toddy’s, keoke coffee, etc.]. $$$

7.) Do you and people you know feel comfortable with the amount of pollution/trash/waste you recycle?

SOLUTION: http://www.ecofriendlytrashcans.com/: Affordable “eco-friendly” vertically quartered trash cans/dumpsters for every home, office, and dumpster. Part 1 would be for be for plastic [especially soda bottles], part 2 for paper [especially newspapers], part 3 for compost [covered so odor-free], and part 4 for “other” [such as disposable diapers, unfortunately]. The owner could divide it however he/she wants. I don’t recycle much at all and I feel very guilty and frustrated by it. My employer just added a recycle container for beverages and another one for paper. Wonderful! Great for business too! People appreciate eco-friendly businesses. Do you feel like it’s very difficult and not at all user friendly to obtain the containers to recycle for your home/office and then transfer it to your large trash bins outside and/or transport it to some recycling center at a grocery store parking lot and find out they don’t take newspapers and you often have to wait in line for an hour to place your beverage recyclables one at a time in a machine that rejects many of them for various reasons and then finally you leave with a receipt to cash inside the grocery store for a few bucks? Why does our society go on an on about the importance of recycling and then no one produces a container or system to make it reasonably laborious? $$$

8.) Are you a parent who has trashed numerous diapers? Do/Did you realize they are the #1 contributor to land fills?

SOLUTION: http://www.ecofriendlydiapers.com/: Affordable “eco-friendly” bio-degradable disposable diapers. Most eco-friendly parents aren’t going to stop using them, so let’s make them bio-degradable or recyclable. Very few people, even “eco-friendly” people will ever use cloth diapers. $$$

PENIS/DICK DOES NOT MAKE 83% OF WOMEN CUM!!

Since the media giants: Oprah, Howard Stern, the News, etc. have failed to publicize/educate the world re the extremely important massive ignorance affecting the love lives of 6.5 billion people, mostly 3.25 billion females, I'm doing my part to educate myself and help others obtain the info. You may already be aware, but it has been my experience that the vast majority of people are not. Once there is truth, there is accountability.

Ignorance perpetuates the problem/s, so I hope you are not offended by the "personal" topic. It's just science/biology after all.

Did you know that "only 17% of women are likely to have an orgasm during sexual intercourse, because the clitoris often is not stimulated enough by intercourse alone?"

Unfortunately, 100% of women confuse everyone when they fake it 100% of the time in movies and in person. Women fake it cuz we think there is something wrong with us, rather than the truth, which is that there is something wrong with the man's/men's technique/performance/knowledge. I think most men are innocent cuz they don't know the truth. For the very few men who know the truth, they get either credit or blame for their reaction or lack there of.

"Females of some mammal and some non-mammal species such as alligators[45] have clitorises."

Population Control/Regulation = 6.5 BILLION SO FAR!!

Our country/world needs to have "Populuation Regulation" with incentives for waiting and/or refraining from reproducing, especially when one doesn't possess the basic necessities to provide for a child, much less 2-14. I've been planning on running for U.S. President in 2020 for over 10 years now, so I can eventually put my solutions to the world's problems in action. We need more birth control options for men: a shot, a pill, something user-friendly. Doctor's should be required to obtain financial records before they provide in-vitro. I still don't understand why the media hasn't disclosed how this woman paid for the procedure and her cosmetic surgery. That is a very important piece of info. Norplant, or something like it, should be brought back to provide 5 year birth control via "matchsticks" tempoarily under the upper arm. It should be available to men and women. There should be incentives of a grant for a home/condo and/or college for people who wait to have children until age 30. There should be a huge financial penalty if someone has more than 2 children. Our freeways are so crowded, jobs/colleges are increasingly competitive, pollution is increasing, our welfare system is out of control, etc. No one should be eligible for welfare unless they are temporarily sterilized with Depo [every 3 months] or Norplant. I hate to see a pregnant woman with a young child using food stamps. It's such a slap in the face to people who have empathy.

Sorry, I'm suddenly inspired to be on a soap box....... call it part of my "campaign" [remember my dream job?]. That's not really my motive, of course. I truly care about calling out the elephants in the room, for the sake of creating a healthier and happier world.

From www.un.org:
"women in the least developed countries had, on average, twice as many children
[5.4 children per woman] as women in developing countries."
WTF?!

This is ASS BACKWARDS. If someone is POOR, you'ld think they would abstain or at least have LESS CHILDREN than the RICH people, NOT MORE!! If parent's naturally love their children unlike any other, why would they bring them into the world to starve/suffer? It's usually because of a cultural tradition and mostly a lack of birth control and ignorance.

We are all frustrated with tons and tons of increasing traffic on the freeways and how this population explosion affects the environment, the economy, employment, health care, drugs/gangs/violence, quality of life, etc. Have you ever seen a pregnant hispanic lady with several children in tow, using food stamps? WHY oh WHY is this so common?? Even if you're RICH, having more than 2 kids, let alone the maximum kids possible in a lifetime, is draining on the rest of the world in every way. With all the illegal immigration sucking up resources without giving back equally in tax money, why do these people make it a million times worse and have a million babies they can't afford? Haven't the Mexicans taken over enough?? Everything is Mexi/Cali now, Spanish required at many jobs, all over commercials and billboards, enough alreadly. It's one thing to come over out of desperation, it's a whole other animal when they became the majority ethnicity everywhere. Why isn't anyone, especially Obama and Oprah, talking about this "greed"/chaos and implementing population control with incentives and consequences for having children, like China, Africa, and Latin America?? It's mind-blowing neglect.

Men need more control/options for their prevention of pregnancy/ies with birth control [not just condoms, they deserve more options like women do]. With all the men who've gotten a girl pregnant and ended up with the guilt of an abortion against or with their consent or child support and ties to the woman/child for 18 years to eternity, YOU'LD THINK OUR MALE-DOMINATED SOCIETY WOULD'VE COME UP WITH SOME MORE RELIABLE BIRTH CONTROL OPTIONS FOR THEMSELVES!!! SOMEONE COULD MAKE A TON OF MONEY ON THIS NEED IN THE MARKET.

Girls should be given birth control shots the day they get their period, whatever age that may be, and regardless of what the parents think their daughter will do or not do. Norplant was the best because it was implanted in the arm for 5 years, too bad it was taken off the market recently. Depo shot is the next best thing, renewing every 3 months. This should be available over the counter or at least a year supply to give oneself a shot at home. Too many girls forget to take their pill or don't realize it's ineffective when combined with an antibiotic medication.

Wikipedia Facts
"Even with the one-child policy in place, however, "China still has one million more births than deaths every five weeks." In addition, there are still six hundred million people in China living on less than two dollars a day.[26]Ridiculous.

And then there's Africa, where they're all starving to death and dying of AIDS, yet continue to have baby after baby after baby. WTF???!!! Why do we give them "hand outs" of food and occasional medicine, and not give them proper birth control / sterilization options?? Many men refuse to use condoms because they're Catholic and they still think it's against the religion, even though the Pope approved birth control many years ago. Latin America is mostly Catholics too, that's why many of them still don't use birth control. STUPID.

More Wikipedia:
"62 countries are considered to be highly affected by the HIV/AIDS epidemic, 40 of which are located in Africa. In projecting the effect of the disease, it is assumed that 31 of the most affected countries will manage to provide, by 2015, antiretroviral treatment to 70 per cent or more of the persons suffering from AIDS. In the rest of the affected countries, treatment levels are expected to be lower, reaching between 40 and 50 per cent by 2015. It is further assumed that persons receiving treatment survive, on average, 17.5 years instead of the 10 years expected in the absence of treatment.

www.un.org: For every dollar spent in family planning, between 2 and 6 dollars can be saved in interventions aimed at achieving other development goals.

Love, Lis'
www.LisaClor.com

5-10 min. delay for 911

I'm not trying to scare anyone, just informing in case you were'nt aware of this issue.

Some of you may already know this and/or it may not apply to you if you don't live in a super crowded city like L.A. You should check the hold time for your area.

You may have a home phone, but many people do not anymore, they have 1 phone and it' a cell phone. This mostly applies to unmarried people and/or people in their 20's. Married people often have a home phone and each their own cell phone. Still, remember to call 911 from a home phone or pay phone, if possible.

Can you imagine the horror/panic of having someone break in your home or some other emergency and you pick up your cell phone to call 911, but you're placed on hold for 5-10 min., and during this time the attackers found you and/or loved one/s and seriously injured or killed you/them and since there isn't technology for 911 to track the location of cell phones, no one ever knows what happened, unless you live long enough to endure the hold time.

It was a shocking wake up call for me and inspired me to pay almost $35 a month for a home phone [hoping to also decrease minutes/plan for my cell phone].

This is how I found out about this scary crisis:

I saw and walked past a VERY, VERY SMELLY homeless man a few months ago and wanted to get him some medical attention, and I didn't know who else to call, so I called 911. I was on hold for 5-10 min. and I was SHOCKED. When the operator came on the line, I asked him why there was such a delay for an "emergency line" where people are getting robbed, attacked, experiencing a heart attack alone, etc.

He told me there isn't currently technology to track the location of cell phone calls to 911, so if you call on your cell phone and can't wait 5-10 min. on hold, and the call is disconnected because you die of a heart attack or someone breaks in and you bleed to death, no one will ever know you called.

He also said the only solution is to call 911 from a LAND LINE [home phone or pay phone]. I don't recall if there is still a 5-10 min. wait, there probably is, but the point is that you can call and hang up and they will be able to track your location to help you.

My home phone is installed this Thurs. I live alone, and not in the safest neighborhood, and some weirdo knocked on my door repeatedly for several minutes late a few nights ago, so I think it's worth it. I used to have pepper spray too and don't know where it is, so I want to get some again. I carrried it on my keychain.

I suggest you call 911 and see how long it takes to get through. This is also disturbing if you think of being unable to get through for several minutes when driving through the L.A. area and you have a car accident. Yeah, other people will call 911 if you can't, but it may take 5-10 minutes to get through.

Why isn't this info on the news or Oprah???

Love, Lis'
http://www.lisaclor.com/