Gardening: A Fun and Creative Backyard Project

When summer rolls around, many individuals enjoy spending time in their backyard. When it comes to summer, many individuals associate backyards with picnics, barbeques, swimming, and outdoor sports. While all of these activities are nice, there are not the only things that you can do in your backyard. In fact, there are a number of other popular backyard activities that you may never have given much thought to. One of those activities involves growing a garden.

When it comes to gardening, there are many individuals who wonder why they should even bother. Growing a garden may take a lot of time and hard work; however, there are a number of benefits to gardening. To determine if growing a garden would be the perfect backyard activity for you, you are advised to fully examine these benefits. After that examination, you should be able to decide whether or not gardening is an activity that you would enjoy.

One of the many benefits of gardening is that you can design your garden however you want. There are a large number of individuals that choose to grow flowers, plants, or vegetables; however, you do not have to choose just one. If you desire, you could have your garden be a collection of plants, flowers, and vegetables.

You may also find that the type of garden you choose will have a number of benefits. For instance, plant and flower gardens are often beautiful. If you choose to grow plants or flowers, you may find that they help to improve the appearance of your backyard. Vegetable gardens are a great way to save money on food. Many vegetable gardens are composed of potatoes, carrots, tomatoes, and beets. If you are able to successfully grow these foods, you and your family could enjoy them as a tasty treat or part of a meal.

Perhaps, the greatest benefit of gardening is the relaxation. Although garden requires a fairly large amount of work, there are many who feel as if it really isn’t work. In fact, there are many gardeners who say that gardening is as great way to relax. This is because you can work at your own pace. In addition to being relaxing, a garden will be your own creation. If are able to successfully grow a garden, you may be pleased with the results and proud of yourself, as you should be.

If you plan on using your garden as a source of relaxation, it is possible that you may prefer gardening by yourself. Even though you may enjoy gardening by yourself, you may also find benefits to including your family in the process, especially if you have young children. There are many children who enjoy helping their parents in the garden. If your child would like to offer you assistance, you could purchase them their own supplies. Most online retailers, toy stores, and department stores carry a selection of age appropriate gardening accessories.

In addition to purchasing gardening accessories for your child, if they are interested in gardening with you, you will have to purchase your own. Gardening supplies include a wide variety of different items. These items, such as hoes, weeding forks, shovels, and knee pads, can be purchased from most retail stores. You may find that a number of these supplies are available for an affordable price.

With the ability to create your own unique garden, improve the appearance of your backyard, grow your own food, and purchase gardening accessories for an affordable price, you are encouraged to at least consider this popular backyard activity. You may find that it is perfect way to spend your summer.

Backyard Campouts: The Perfect Nighttime Activity

Backyard Campouts: The Perfect Nighttime Activity

Each year, millions of Americans head out to their local campgrounds. Camping in the great outdoors is any camper’s dream; however, not everyone is able to camp at a campground or state park. If you find it difficult or impossible to go camping, you may want to consider backyard camping. You may very well find that it is the perfect backyard activity, especially in the evening.

Although camping in your backyard may not seem glamorous, it can be a fun and exciting adventure. In fact, it is an adventure that thousands of families enjoy each year. Backyard camping is popular for a wide variety of different reasons. One of those reasons includes the ease of camping. If you are an avid camper, it is likely that you may know alto well how hard to can be to make it to your campsite. Not only do you have to worry about getting yourself to the campsite, but all of your supplies as well. And, imagine if you forgot anything! In most cases, backyard camping cuts down on the hassle of most camping trips.

Backyard camping is also popular because it allows campers to camp is a safe area. Unfortunately most campers, while camping on public grounds, are unfamiliar with their surroundings. Not only may they be unfamiliar with the land, but they may also be unfamiliar with other campers. Unfortunately, in today’s society it is just too much of a risk for some individuals. If physical safety is a concern of yours, that concern can almost completely be eliminated with backyard camping. Not only will you know the area, but you also know who or what should be in your neighborhood.

As previously mentioned, backyard campouts are popular among those with children, especially young children. When it comes to camping, there are many children who are not at the right age to go. Whether it is due to unfamiliar territory, uncomfortable sleeping spaces, or being away from what they know, there are many children that are unable to handle a camping trip. However, as a parent, that doesn’t mean that you shouldn’t be able to enjoy camping. With backyard camping, everything should workout for everybody. Not only will be camping in the outdoors, but you will also be near your home, in case you need anything for your children.

While backyard campouts are ideal for those with small children, campouts are also fun for everyone else. Many individuals, including adults without children, enjoy backyard camping because it is convenient, safe, and free. Most public campgrounds, in the United States, charge a fee for campers. While this fee will vary from location to location, it can get quite expensive. That is why backyard camping is so popular in the United States.

If you are interested in having a backyard campout, you will have to decide which supplies you will need. Depending on your preference, you may be able to sleep in a tent or underneath the stars. In addition to sleeping equipment, you may want to think about backyard toys, food, drinks, and snacks.

By preparing for your backyard campout, you should have everything that you need. Proper planning will also prevent you from having to go inside your home. Avoiding your home as much as possible, even though you are in the backyard, is a great way to make the most out of your backyard camping adventure.

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Gardening: A Fun and Creative Backyard Project

Article about Gardening: A Fun and Creative Backyard Project, news about Gardening: A Fun and Creative Backyard Project, latest news about Gardening: A Fun and Creative Backyard Project, information about Gardening: A Fun and Creative Backyard Project. Enjoy!

When summer rolls around, many individuals enjoy spending time in their backyard. When it comes to summer, many individuals associate backyards with picnics, barbeques, swimming, and outdoor sports. While all of these activities are nice, there are not the only things that you can do in your backyard. In fact, there are a number of other popular backyard activities that you may never have given much thought to. One of those activities involves growing a garden.

When it comes to gardening, there are many individuals who wonder why they should even bother. Growing a garden may take a lot of time and hard work; however, there are a number of benefits to gardening. To determine if growing a garden would be the perfect backyard activity for you, you are advised to fully examine these benefits. After that examination, you should be able to decide whether or not gardening is an activity that you would enjoy.

One of the many benefits of gardening is that you can design your garden however you want. There are a large number of individuals that choose to grow flowers, plants, or vegetables; however, you do not have to choose just one. If you desire, you could have your garden be a collection of plants, flowers, and vegetables.

You may also find that the type of garden you choose will have a number of benefits. For instance, plant and flower gardens are often beautiful. If you choose to grow plants or flowers, you may find that they help to improve the appearance of your backyard. Vegetable gardens are a great way to save money on food. Many vegetable gardens are composed of potatoes, carrots, tomatoes, and beets. If you are able to successfully grow these foods, you and your family could enjoy them as a tasty treat or part of a meal.

Perhaps, the greatest benefit of gardening is the relaxation. Although garden requires a fairly large amount of work, there are many who feel as if it really isn’t work. In fact, there are many gardeners who say that gardening is as great way to relax. This is because you can work at your own pace. In addition to being relaxing, a garden will be your own creation. If are able to successfully grow a garden, you may be pleased with the results and proud of yourself, as you should be.

If you plan on using your garden as a source of relaxation, it is possible that you may prefer gardening by yourself. Even though you may enjoy gardening by yourself, you may also find benefits to including your family in the process, especially if you have young children. There are many children who enjoy helping their parents in the garden. If your child would like to offer you assistance, you could purchase them their own supplies. Most online retailers, toy stores, and department stores carry a selection of age appropriate gardening accessories.

In addition to purchasing gardening accessories for your child, if they are interested in gardening with you, you will have to purchase your own. Gardening supplies include a wide variety of different items. These items, such as hoes, weeding forks, shovels, and knee pads, can be purchased from most retail stores. You may find that a number of these supplies are available for an affordable price.

With the ability to create your own unique garden, improve the appearance of your backyard, grow your own food, and purchase gardening accessories for an affordable price, you are encouraged to at least consider this popular backyard activity. You may find that it is perfect way to spend your summer.

Affiliate Marketing through Craigslist

Article about Affiliate Marketing through Craigslist, news about Affiliate Marketing through Craigslist, latest news about Affiliate Marketing through Craigslist, hot information about Affiliate Marketing through Craigslist. Enjoy!

Craiglist is an extensive online community which has a great deal to offer to users of this community. With approximately four billion page views per surprise that Craigslist can offer a wealth of financial opportunities to savvy Internet marketers who know how to capitalize on the popularity of this website. Affiliate marketing is one of the ways knowledgeable Internet marketers can expand on the profitability of their websites. Craigslist provides wonderful opportunities for both ecommerce website owners seeking affiliates to market for them as well as those who are in the business of affiliate marketing who are looking for new opportunities to market for another business. This article will provide an explanation of affiliate marketing and will also provide information on how Craigslist can be used to either find affiliates or affiliate opportunities.

What is Affiliate Marketing?

Affiliate marketing is essentially a marketing campaign in which the business owner only pays the affiliate based on performance. Unlike conventional marketing campaigns where the business owner pays for the advertising regardless of the results produced by the advertisements, in affiliate marketing the business owner only pays when a specific result is achieved. Affiliate marketing usually takes place in the following three forms:

* Pay Per Click
* Pay Per Sale
* Pay Per Lead

In a pay per click affiliate marketing campaign the affiliate places a coded link on their website and each time a visitor to their website clicks through the link to the sponsor’s website, the affiliate receives a sum of money. The amount of money they receive is based on an agreement between the sponsor and the affiliate. This amount can be cents, dollars or even a fraction of a cent. In a pay per sale campaign the affiliate is not compensated when the visitor clicks through to the sponsor’s website unless they also make a purchase when they click through this link. Again the amount of money the affiliate receives will depend on a pre-determined agreement and may be a specific amount or a percentage of the sale. In a pay per lead program the affiliate receives monetary compensation when a visitor clicks through the affiliate link and performs a specific action such as registering at the sponsor’s website or requesting additional information.

Using Craigslist to Find Potential Affiliates

Business owners who are interested in finding affiliates to promote their website may use Craigslist for the purpose of finding these affiliates. It may seem logical to post affiliate opportunities in the jobs section of Craigslist but it is important to note this is against Craigslist’s job posting policies. Review of the policy for posting jobs on Craigslist will verify these requirements. Therefore those who are interested in finding affiliates will have to take advantage

of other areas of Craigslist to find affiliates.

Visiting discussion forums related to your business may be one way to find potential affiliates. However, when using the discussion forums, care should be taken to avoiding spamming the discussion forums with links to sign up for your affiliate program. Such spamming techniques are likely to not be taken seriously by potential affiliates and may incur more severe penalties by Craigslist moderators. The best way to find potential affiliates is to make logical contributions to discussions and get to know other participants offline or to include a link to more information on your affiliate marketing program whenever you post.

Using Craigslist to Find Opportunities for Affiliates

Those who generate a profit from acting as an affiliate for others can find new affiliate opportunities through Craigslist. Although posting these opportunities on the job boards are prohibited it is possible for advertisements of this nature to appear either because the original poster was not aware of the restrictions or because they deliberately ignored the restrictions. These types of advertisements are likely to be removed when discovered but they may exist for a short time without being noticed.

Those who act as affiliates can also find potential leads by placing advertisements in the services section or the resumes section. They may also find potential leads by networking with those in the discussion forums.

PPC Advertising for Maximum Web Promotion

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Engaging in pay-per-click (PPC) advertising has its own benefits and drawbacks. But what exactly is PPC advertising and what it can do to your business?

Business nowadays is doing different kinds of austerity measures when it comes to advertising their products and services. This is because of high rates of placing ads on print and on television. But there is a fast growing approach that businessmen can utilize to bring their services closer to the people and that is through Internet Marketing.

One tool that is causing internet marketing popularity is PPC advertising. This is a technique used in search engine marketing that requires one to pay a fee every time someone clicks an ad on your website. Usually this placement is done through a bidding process. If you are a top bidder for your keywords/phrases, you are sure to be on the number one spot on all search engines. Just be sure of the effectiveness of your ad copy to get the most number of clicks you need for your business.

Here are the benefits of PPC advertising are:

1. You need not be a genius in computer and technology to be able to run this ad campaign.
2. Immediate results are seen after a few days.
3. No need to make a website conform to the SEO rules.
4. Nothing to lose even if you do not top the pages of different search engines. You can still always choose PPC advertising.
5. You can make use any search engine available.
6. You can type in any keyword you like.

Cons of PPC advertising includes:

1. Fixed payments every month to the search engine you choose.
2. Pay for each click received by your website. At times, visitors are just competitors or people playing pranks on search engines. This hassle wastes money you put in to this advertising.
3. Inability to pay for the fees next month would mean removal of your website on the paid listings.
4. This advertising can only be used temporarily because it is difficult to handle in the long run.
5. Pay-per-click pricing can be costly for long periods of time, therefore, this should be stopped after an ad campaign.

But how exactly PPC advertising can increase traffic, leads and sales?

PRE-QUALIFIED TRAFFIC. All visitors of your website are already considered as a qualified consumer or buyer of your product. PPC advertising leads your customers to you for a lesser cost.

INSTANT EXPOSURE, IMMEDIATE PROFITS. PPC search engines enable you to get your desired results fast. They will have your website live within just a few hours which means immediate increase in sale.

CONSISTENT TOP LISTINGS. This is to get your website on top of the sponsored search results for free. You just have to choose the keywords related to your site and business and place them within your web pages. After this, you are done.

PPC advertising enables advertisers to control their advertising campaigns. Advertisers have effectively targeted their audience and set their own price per click. PPC advertising networks provide the platform to identify the desired audience by geographic setting, topic and industry. These networks have a list of websites of the publishers where the ads will be placed.

Tools are provided by the networks to check how the pay per click limit is working for a certain advertiser. If its still competitive, would it be even listed among the paid search lists or does it generate sales? Of course, if the advertiser made the highest bid, the better chances the ad will be seen in the search engine. These networks too provide protection for the advertisers against click fraud. This advertising set-up allows advertisers to set a daily budget for his ads, thus, less spending for unnecessary clicks. Advertiser will never go over his budget.

In PPC advertising, what are important are the keywords and phrases. You have to select at least ten "very specific" keywords that would give you the best traffic in the search. Then, write the ad creatively but straightforward. Tell the truth about your product or service and do not lie. Good thing if your product or service will not disappoint those that are relying on your ad's promise - but what if it did otherwise? Important too is the clarity of the ad. Do not use very vague languages. Include important details like the price.

You should also remember to budget your bids. Do not go overbidding because you will only lose your money and do not go so low that your ads will never get the chance to show up. Check your profit against your spending. If you see no progress then most likely you have to drop your ad campaign.

More and more advertisers have been using PPC advertising and it will continue to grow faster than any online advertising techniques. From revenues of $2.6 billion in 2004 to $5.5 billion in 2009, cost per click will dramatically go up as well from $0.29 to $0.36.

PPC advertising is new in online marketing and it is going to continue in the years to come. For advertisers, this means increase revenues with fewer advertising expenses, savings, more sales, good return of investment (ROI) and effective ad campaigns in the days to come.

Travel tips To Bulgaria

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About the county

Officially known as the Republic of Bulgaria or Bulgarian Republic, Bulgaria is a beautiful mountainous country lying in Balkan Peninsula in Southern Europe bordering the Black Sea to the east, Serbia and the Republic of Macedonia to the west, Romania to the north, Greece and Turkey to the south. Bulgaria also borders Turkey, Romania, Ukraine, Russia, and Georgia along the sea. The largest and the capital city is Sofia. The country may be very small in area but it is rich in ancient culture, picturesque locales, down to earth and friendly people who provide the warmth and hospitality of old days. Bulgaria is known as “Land of Roses” due to the largest production of roses here. Although Bulgaria is known mostly for its sea resorts much of the actual country can be explored in great mountain regions, with many ski resorts a perfect destination for skiers. With unique customs, spectacular crafts, colorful festivals, folklore and so on Bulgaria has it all to take the imagination of visitors by surprise and excitement.

Population & Languages

The population of Bulgaria is roughly 7.4 million and the official language being spoken is Bulgarian. Turkish and Roma are also spoken by considerable percentage of the population.

Electricity

The voltage is 230 V and the frequency is 50 Hz. The types of plugs used are Round pin attachment plug and "Schuko" plug and receptacle with side grounding contacts.

Geographic Location

It lies in Balkan Peninsula in Southern Europe bordering the Black Sea to the east, Serbia and the Republic of Macedonia to the west, Romania to the north, Greece and Turkey to the south. Bulgaria also borders Turkey, Romania, Ukraine, Russia, and Georgia along the sea. Bulgaria is strategically located near Turkish Straits making it the control point of key land routes connecting Europe to Middle East and Asia.

Climate

The climate of Bulgaria can be termed as temperate with hot and dry summers and cold and damp winters. Summer temperatures average around 75°F (24°C) and winter temperatures average about 32°F (0°C). The ideal time to visit Bulgaria is summer.

Local Customs

Like any other country Bulgaria has its own customs too and normal courtesies should be followed. Handshaking is customary. Dress should be conservative but can be casual. Souvenirs from home country are appreciated if invited to home. Here is Bulgaria, a nod of the head means ‘no’ and a shake of the head means ‘yes’. Tipping up to 10 to 12 percent is customary for all services including restaurants, bars, clubs, taxis etc.

Attractions

Sofia

* St. Sofia Church
* St. George Rotunda
* Alexander Nevsky Cathedral
* National Ethnographic Museum

Mountains
* Village of Momchilovtsi
* Pirin National Park
* Rila Monastery

Travel

By Air – The national airline of Bulgaria is Bulgaria Air. Other international airlines operating from Bulgaria include Bulgaria include Aeroflot, Air France, Alitalia, Austrian Airlines, British Airways, El Al Israel Airlines, KLM, LOT Polish Airlines, Lufthansa, MALEV Hungarian Airlines, Olympic Airlines and Swiss Air. Sofia International Airport EAD (SOF) is the biggest airport which is like six miles east of Sofia. Other international airport is Varna International Airport (VAR) located in the western outskirts of the city about five miles from Varna.

Sea - The important international ports are Bourgas and Varna along the Black Sea.

River – Ferries can cross into Romania from Vidin to Calafat.

By Rail – Sofia is connected to Budapest, Belgrade, Bucharest, Thessaloniki, Paris, Vienna, Munich and Berlin through frequent services of trains.

Duty Free Items

1. 200 cigarettes or 50 cigars or 250g of tobacco
2. 1 liter of spirits and 2 liter of wine; 50g of perfume and 100g of eau de toilette
3. Gifts and personal use items.

Prohibited Items

Un-canned goods, meat or dairy products, Narcotics, pornography, firearms, ammunition, weapons, eggs, plants, endangered species, fireworks and alcoholic beverages that contain more than sixty per cent alcohol.

The Most Under-Used Resource for Seniors and Caregivers

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Eldercare expert Esther Koch says the Medicare Prescription Drug Plan Finder can slash costs, save time, and reduce stress. Unfortunately, few seniors or caregivers know about it.

San Mateo, CA (PRWEB) November 25, 2008 -- The Annual Election Period for the Medicare Prescription Drug Program began on November 15 and runs through December 31. Eldercare expert Esther Koch says, "The biggest mistake I see every year is that seniors and their caregivers don't use, or more often don't know about, the Medicare Prescription Drug Plan Finder." She emphasizes, "Using the Drug Plan Finder to select a stand-alone Medicare Prescription Drug Plan will save days of time and worry, not to mention potentially hundreds to thousands of dollars."

The Medicare Prescription Drug Plan Finder is found at www.Medicare.gov. It allows seniors and their caregivers to easily compare the ~50 stand-alone drug plans available in most communities. It brings the comparison of plans to an apples-to-apples basis by providing total estimated annual cost by plan and sorting plans from least to most expensive. "I usually a see a spread of $1,000-$3,000 between plans, but I have seen ranges close to $10,000," says Koch. "Since these are cost ranges for the same set of drugs, that's how much money people are leaving on the table."

By entering ZIP code, drug names, dosage, and 30-day supply, the 5 least expensive plans will show up initially. You can display all plans, do side-by-side comparisons of 3 plans and drill down to obtain specific information including how to lower drug costs and drug plan quality rankings. The drug list can even be saved for later reference.

Koch believes that the Medicare Prescription Drug Plan Finder is so under-utilized that she's created a webinar to teach caregivers how to use it. The webinar is available on-demand along with an accompanying condensed electronic guide at https://EncoreLife.webex.com.

Esther Koch is available for interview. For more info contact: Lorna Garano lornagarano at gmail dot com, 510-922-9765.

ABOUT ESTHER KOCH & ENCORE MANAGEMENT:
Esther Koch is a gerontologist and eldercare advisor based in San Mateo, California. She is the founder and CEO of Encore Management which provides advisory services and educational products to assist Boomers with the range of issues associated with caring for an aging parent and their own aging. Koch is a Medicare Aging Network Partner with the Administration on Aging and the Centers for Medicare and Medicaid for the Medicare Prescription Drug Program. She was a delegate to the last White House Conference on Aging.

Koch received her graduate degree in gerontology from USC and is a member of the National Association of Professional Geriatric Care Managers, the Business Forum on Aging of the American Society on Aging and AARP. In addition to being a Stanford MBA, she is also a CPA and former Chief Financial Officer and PricewaterhouseCoopers tax professional. She left corporate America to pursue her passion for eldercare advocacy. Since then she has helped clients navigate the physical, financial, and emotional challenges of aging. Her media interviews have appeared on television, radio, and in print. Visit her at www.ENCOREmgmt.com.

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GM ends 9-year endorsement relationship with Tiger Woods

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DETROIT — As cash-strapped General Motors (GM) looks for ways to slice expenses, it's parting ways with long-time pitchman Tiger Woods.

The ailing auto giant said Monday that it will end its nine-year relationship with the world's No. 1 golfer Dec. 31. Woods' contract with GM was set to expire Dec. 31, 2009.

Woods has carried the Buick brand on his golf bag since 2000, and his most recent promotion was to caddie for a contest winner for nine holes at Torrey Pines, where Woods won the U.S. Open this summer for his 14th career major win.

In a statement, GM said the separation was "mutual and amicable" and that Woods had a "desire for more personal time."

The golf great, who still does endorsements for other brands, such as Gillette and Gatorade, had knee surgery earlier this year. And he and his wife are expecting a second child.

The latest five-year deal with GM was believed to be worth at least $7 million a year. Woods' agent at IMG, Mark Steinberg, said the decision to end the endorsement a year early was "absolutely mutual."

Woods has mainly touted GM's Buick brand. But even with the endorsement of the top-ranked golfer, Buick has hit some bumps. Sales are down 23.6% through the end of October compared with the period last year, according to industry tracking firm AutoData. The entire auto industry is down 14.6%.

The parting comes as GM tries to reverse its woeful financial performance. Earlier this month, it reported a $2.54 billion third quarter loss, and so far this year has lost $21.26 billion. CEO Rick Wagoner plans to cut $15 billion in structural costs, such as payroll and utilities.

Separate from that, GM has said its marketing department would cut 20% from its spending. The break with Woods falls under those cutbacks, says GM spokesman Pete Ternes.

GM will maintain its other golf-related tie-ins such as sponsorship of the Buick Open and the Buick Invitational. But it will cut spending during those events, says Ternes. For instance, it will reduce catering costs and limit the number of courtesy cars it provides for players.

The marketing department is looking at "anything (it) can do to help cash flow," Ternes says.

GM has also slashed spending on other big-name sports and entertainment events. After years of advertising on both the Super Bowl and Academy Awards, it will opt out of both next year.

GM's vice president for North American sales, Mark LaNeve, says the separation is the result of discussions earlier in the year and is not related to the company's campaign for $25 billion in loans from the federal government.

Woods has carried only two logos on his bag since he turned pro in August 1996. He was with Titleist through 1999 until Buick won a bidding war for its brand on a bag that gets more television time at tournaments than any other.

Woods has not played since season-ending knee surgery after winning the U.S. Open, and he is not expected to return until at least early March.

Steinberg said he would "expect there to be some exposure on the bag" when Woods next plays.

"I've got a few ideas, and we're in the process of working through that," he said.

Contributing: USA TODAY reporter Sharon Carty in Detroit; Associated Press.
Copyright 2008 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.

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Black Friday sales intensify in downturn

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NEW YORK (Reuters) – Black Friday, the traditional start to the U.S. holiday shopping season, means more to retailers this year as they struggle to win over consumers with a recession looming.

Black Friday falls on November 28, the day after the Thanksgiving holiday, and many stores have already begun advertising deep discounts to attract shoppers as early as midnight.

Retailers that fail to rack up sales during the three-day weekend face the prospect of clearing out merchandise at profit-crunching prices closer to Christmas.

"While Black Friday sales and promotions have been tremendously successful for the last few years, the day itself takes on a bit more importance when consumers are struggling," said Ellen Davis, spokeswoman for the National Retail Federation. "In a down economy, people are willing to get up at 3 a.m. and sit in a line outside a store."

Retailers ring up roughly 10 percent of total holiday sales during the three-day weekend, best known for the deals offered on Black Friday -- named for the days when store chains used to turn a profit for the year.

The weekend's results do not always indicate how overall holiday sales will fare, but with the United States likely in a consumer-led recession, it has added importance.

Consumers will look for bargain-basement prices to help meet austere budgets, while retailers from Wal-Mart Stores Inc to Saks Inc learn if they have the right products at the right prices.

"This year, the Black Friday weekend has profound impact on how consumers and, more importantly, how retailers are going to view the holiday season in totality," said Janet Hoffman, managing partner of Accenture Ltd's global retail practice.

MAKE OR BREAK?

The contracting U.S. economy has already slashed profits for many retailers and pushed some into bankruptcy, including electronics retailer Circuit City Stores Inc. Many view the entire holiday season as a make-or-break period.

"If Black Friday tends to be not as successful, then they're going to be stuck with more inventory and they're going to have to mark down further," said Erin Hershkowitz, a spokeswoman for the International Council of Shopping Centers.

Retailers have fretted about the upcoming holiday season since last year's holiday, when consumer spending began to crack under the weight of the slowing housing market.

The outlook for the consumer has only darkened this year, taking a turn for the worse in September when a financial crisis swept across the globe. In its wake, banks have tightened lending and cut credit -- severely limiting the ability of shoppers to spend.

Some analysts forecast that holiday sales, which include November and December, could even fall -- something that has not happened since the NRF began tracking the sales in 1992.

In response, retailers have been rolling out non-stop bargains. Wal-Mart offered 10 popular toys for $10 in October, Toys "R" Us has touted its "lowest prices of the season" and Gap Inc offered 30 percent off last weekend -- all well before Thanksgiving.

NRF's Davis said shoppers expect even more bargains and low prices during the Black Friday weekend.

"While retailers have already come out with a lot of sales and discounts, consumers have been trained that there is still something in retailers' bag of tricks," she said. "They know that retailers are planning something big for Black Friday."

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Pressure on Citigroup builds, shares fall below $4

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Pressure builds on Citigroup to sell part or all of itself as stock falls below $4 a share

NEW YORK (AP) -- Pressure intensified on Citigroup to sell part or all of itself as its stock fell below $4 a share on Friday and fears escalated about future loan losses.

CEO Vikram Pandit told managers earlier in the day he opposes breaking up the company, but the bank's board of directors was meeting Friday to discuss whether to do exactly that, the Wall Street Journal reported.

What investors are worried about is that all the risky debt sitting on Citigroup's balance sheet will eventually turn into losses as the economy worsens and the markets stay turbulent -- losses that could be nearly impossible to reverse.

Investors were also fearful that the government might orchestrate a takeover of Citigroup over the weekend that could wipe out common shareholders, said Paul Miller, a Friedman Billings Ramsey banking analyst.

The government was instrumental in JPMorgan Chase & Co.'s buyout of Bear Stearns and Washington Mutual Inc., deals that left shareholders with little or no payouts.

The Treasury Department, the Federal Reserve and other banking regulators are monitoring the situation, government officials said. They spoke on condition of anonymity because of the sensitive nature of the matter.

Concerns about the solvency of financial institutions were starting to ebb after the downfall earlier in the year of Bear Stearns Cos., Lehman Brothers Holdings Inc., and American International Group Inc. But now they are back with a vengeance as the recession deepens, raising the prospects of even more massive loan losses.

Just a couple months ago, Citigroup was the largest bank in the world by assets, stretching into everything from credit cards to consumer banking to high-stakes corporate dealmaking. The company was the result of an idea spawned by the financial deregulation in the late 1990s -- that consumers and corporations alike would be better served by a bank that could meet all of their needs.

Almost from the start, though, investors complained Citigroup was too sprawling and too complex to manage properly. And when the subprime mortgage crisis ripped through Wall Street starting last year, Citigroup was hit especially hard because of its high exposure to bad debt. Now, it has failed to turn a profit during the past four quarters, and its shares are trading for less than the cost of a pint of beer at a Wall Street pub.

As a result, analysts consider Citigroup the most vulnerable among the major U.S. banks -- especially after it failed to nab Wachovia Corp., bought instead by Wells Fargo & Co., a missed opportunity that put Citi behind in the race for U.S. deposits.

Citigroup's shares tumbled as low as $3.05 a share Friday before recovering to close at $3.77 a share, a decline of 20 percent that left them at their lowest level in nearly 16 years. It was a continuation of a sharp, weeklong plunge that could not be stemmed by Saudi investor Prince Alwaleed bin Talal's decision Thursday to raise his stake in the company to 5 percent from less than 4 percent.

The shares have shed 60 percent of their value since last Friday.

Citigroup has already raised $75 billion in capital this year, including a $25 billion cash investment from the government -- and none of it has been enough to muster confidence.

Raising more money on the open market is "pretty much off the table," given the recent plunge in the bank's shares, said William Fitzpatrick, an equity analyst at Optique Capital Management Inc. And raising more cash from outside investors or the government would be "a Band-Aid."

"You're going to have to see more sizable divestitures," Fitzpatrick said. "They're going to have to make changes here, and they don't have time on their side anymore."

People familiar with CEO Pandit's call Friday morning with senior managers, who spoke anonymously because the comments during the call were not made public, said his message was similar to that at his town hall meeting with employees on Monday -- that Citigroup has adequate capital, and that he supports the universal bank model for Citigroup, including arms such as Smith Barney.

On Monday, Pandit said the universal banking model is "the right model," and that Citigroup's strategy is "to be the world's truly global universal bank."

Still, one person said, "it's clear everything is on the table. That wasn't explicit, but I think it's clear."

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Joe The Plumber Secures Book Deal

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One of the hilarious -- and sad! -- parts of Samuel "Joe The Plumber" Wurzelbacher's recent interview with CNN's Rick Sanchez was that moment where an exasperated J.T. Plumber whined at Sanchez, "Well, ask good questions then! Why don't you ask what I'm going to do now?" Awww! See, Joe The Plumber wasn't interested in being asked to account for whatever pseudo-intellectual swill was worming its way through his brain when he went out on the stump, with all of his opinions. No, no! Joe The Plumber just wanted to use the forum as a way of plugging all of his upcoming projects, like any good little fame-whore!

Well, one of those upcoming projects, as we first reported, was touted in the pages of today's New York Times. It seems that Wurzelbacher has secured a book deal with PearlGate Publishing. Is this for the book that he's been touting in advance of this deal on his website? Yes, apparently! (That website has a spiffy-new early 2000's redesign by the way, but buyer beware! The cost of a "Freedom Membership" has just gone up by a dollar!)

From the Times:

In an interview with Fox News Mr. Wurzelbacher said he could have signed a deal with a larger publisher. "But they don't need the help," Mr. Wurzelbacher said. "They are already rich. So that's spreading the wealth to me."

The book is going to be published on December 1, which, as Daily Intel puts it, is "an amazingly quick turnaround time." So much so that one can anticipate the book being either a compendium of Joe's typical hastily constructed "thoughtlettes" or a pop-up book about Bristol Palin's courtship and subsequent RNC-mandated shotgun wedding, for sad children.

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