The Net’s Most Wanteds

You have heard that you can earn extra money by doing paid surveys online. Armed with your computer and some extra time you bring yourself to the Internet and put in a search for paid surveys. You pull up the first page and it lists 2,210,000 sites. At first you get excited and then you are overwhelmed. How do you find legitimate offers?

There are usually three types of surveys to look for and each one has it’s own merit. You can find those that offer you money, those that offer cash and prizes and those that offer a chance to win in sweepstakes. You will also have those that will pay you for trying out certain products and others that are just gathering information. The key to all of them is to decide what kinds of surveys you want to do and start finding those types.

Here are a few tips to help you get started:

1. Find survey companies that are free to sign up with so you can test them out to see whether you like them or not. Look for those who are recommended by other people. You can find this information out by doing a search for the 10 Top survey companies.

2. Don’t pay for paid survey lists. This is usually a site that is only offering information. You can find the information out on your own.

3. Check their demographics before you start. You will be looking for sites that fit your age range, gender and sometimes your socioeconomic level. Of course a lot of people lie on these but if you want to get paid it’s best to tell the truth.

4. Make time to fill out the surveys. The more you fill out the more money you can make so take the time to do as many as you can.

5. Read everything you can from different websites about how to make money through paid surveys. There are many people out there who are willing to help others have the best experiences with paid surveys online.

6. Be wary of sites that say you can make outrageous amounts of money ($500 to $1000 a day). These sites are probably scams and will want to take your money rather than help you find surveys.

One of the ways to start your research to find the best sites is to start with companies that actually review online paid surveys sites. As examples, Survey Police help to identify online survey scams and Survey Sentinel ranks them by how well they work. You can find out more by doing a search for “survey review companies.”

It is a good idea to be cautious, but the more sites you sign up for, the more you have coming to your email box.

There has been a significant increase in the number of private cloud computing providers these days. But in spite of the purported cost savings as well as the efficiencies that the technology is supposed to offer, a lot of IT professionals are still at a loss in terms of managing cloud-based services in conjunction with conventional and internally-provided solutions. They have grown accustomed to controlling proprietary IT services and components but they are now faced with the challenge of contending with solutions taken from other companies.
IT professionals are faced with a lot of challenges in terms of providing cloud and internal services. These range from the popular security and privacy concerns associated with cloud computing to scalability and effective management of internal and cloud services. They also need to put much thought into the selection of cloud providers and other intermediaries. The problem is that addressing these issues is a challenge in itself. The good news is that IT management teams are provided with a number of techniques to address them and your staff need not do this on its own.
Scaling up is one solution. It mainly entails spending investments properly and increasing IT resources at the least cost to address the growing demand. This is one of the main benefits of cloud computing which covers virtualization and grid computing.
Tracking
While existing network monitoring capabilities are understandably limited to a company’s own equipment and applications, they are not necessarily useless especially if you plan what data to migrate to the cloud. After you have moved certain services to the cloud, you have to understand how to map your equipment so you know the value of the service. It’s difficult to manage services in the public cloud directly so you need the assistance of intermediaries for this.

The first task when you are building a Web site and solid net presence is deciding on the most desirable domain and employing the best registration for your specific market. Mind you, this isn’t an uncomplicated process. The easiest method of making sure that your requirements are met is to spend time on some thorough basic research. When you go through the domain hosting reviews, how to find out what it is you are really looking for? Well, as with all good business decisions, you should discover which points are most important for you. A common option is to use the same company to host your Web site and register your domain name. Customer service is another important consideration which may impact your business even long after registration. Be sure not to rely upon purported reviews directly in a provider’s advertising. In order to define the best Web registration for your needs, you need to find an impartial opinion. Take the time to study a variety domain hosting review sites bearing in mind what all the reviewers have to say. Do you come across some of the concerns over and over again? What are the provider’s good points? Do good reviews outbalance the negative? As with any business, you’ll see good and bad reviews. It’s invariably sensible to gain access to all the reviews with objectivity and take everything into consideration. Naturally, price is a crucial factor, but ensure you have everything you might require in your package. To follow are various questions to answer when choosing the best hosting for your demands.

Does the company extend round the clock support with a free phone number, and do any of the remarks show that they reply rapidly? What about bandwidth? It’s feasible to negotiate a deal featuring unlimited hosting and bandwidth, now and again they offer extras such as software packages to help in running your Web site, coupons good for pay per click marketing advertising, even discounts on additional domain names. Do they offer an easy way to pay? Could payments be put in place automatically, and are weekly payments accepted? What happens assuming the server crashes?

Only you can determine the most suitable hosting for your Web site, even so do exercise caution, don’t be negligent in terms of the obligatory fact-finding, so make sure to dot all those i’s. Let’s not forget that reading those appropriate hosting reviews is generally an excellent policy that may help you save a lot of time and effort.

We must acknowledge, that we were greatly smitten after visting Zippy.com.au website and couldn’t wait to see what we’d discover in their automobile insurance quoting segment.One of our admired highlights on this internet site was their simplicity. It’s not hard to get 5 car insurance quote rates here, as this internet site allows you to fill out an form and lets you to compare a mixture of prices from six-fold providers.
Our reviews team appreciates the simple to navigate site that didn’t require years to load, a huge plus.

www.zippy.com.au is owned by:
Zippy.com.au Pty LtdAustralia Business Number: 281 3833 9429zippy.com.auphone: 07 31030183fax: 07 30366860Suite 163, 192 Ann St. Brisbane QLD 4000Australia

Zippy.com.au coined the saying, Fast, Easy, Zippy’ and they deliver! After finishing a quote form, the telephone sounded within five minutes and found oursleves speaking with Budget Insurance and they beat my actual car insurance premium.
We liked the way Zippy.com.au holds things elementary while keeping a pro and clarifying automobile insurance quotes website.
In additioan to Car insurance you can use Zippy.com.au to find House, Term life and Travel Insurance however in our opinion Auto insurance appears to be Zippy’s center.
Although dealing all of Australia the site focuses on Brisbane, Sydney, Victoria, Adelaide and Perth
The index page of this web site is unusual but is formed well. It consists of a big image and paragraph and underneath are 2 sections.
On the right of the page are fast hyperlinks to some great little tools. The tools include few calculators, the best of these forecasts your motorcar price.
Colouration for the web site are dark blue, money green on a white backdrop uniform with the logo.
Zippy.com.aus logo is fashionable, simple and posh I thought the colourings described the type of website well and looked professional. The lay out of the pages is neatly organised and pages are uniform with the two column design with contact details up on the top.

The Zippy.com.au website adequately satisfies customer necessitates and offers a huge range of insurance companies to choose from in Australia. With the same technology, it is in all probability that Zippy can continue their servicing to include additional countries as well.
Zippy is well worth bookmarking.

Please go to this marvelous source for reviews domain.com pointers…

The initial step in setting up a Web site is deciding on the most suitable domain name and using the best suited registration for your specific market. Mind you, it’s not a good idea to decide anything without some informed help. The most dependable way to make sure that all your needs are fulfilled is to conduct some thorough research of domain hosting companies by reading available reviews. Reviews of domain hosting are helpful but how do you establish what exactly it is you’re really searching for? Just like all informed business decisions, you must find out what features are significant to you. The majority of people opt to have their web pages hosted by the same company that they have chosen for their domain registration. Do bear in mind that months after your Web site was launched, extras like service may well become exceedingly critical. It’s advisable not to depend on reviews published in a provider’s advertising. It’s vital to obtain an objective opinion prior to making a selection. You must look at as much customer feedback as you can paying attention to what all the customers have to offer. What seem to be the most frequent issues? Can you find out the company’s strengths from the comments? Do good reviews outbalance the bad? Of course, you’ll discover good and bad comments. Keep an open mind and look into any info you can. Without a doubt, pricing should be taken into account, but it is crucial to get the best bang for your buck. To help you make a decision we have included a few bullets you should think through.

During what times of day does the company you are researching offer customer support? Is there a free number, and do the remarks show that they reply quickly? What is their guaranteed network uptime? Are there any restrictions on bandwidth? You can negotiate a package providing unlimited hosting and bandwidth, and occasionally you might be entitled to other perks like software and a variety of discounts. Do they offer a convenient way to make payments? Are all payments automatic, or could you pay every month? What sort of support is provided in the event of a server going down?

Ultimately it’s a decision that only you can make, even so, before you make that decision, be sure you have checked out all the alternatives. Bear in mind that reading the appropriate reviews will give you the chance of saving lots of time and money at some later point.

The first step in launching a website is picking out the right domain and using the best suited registration for your particular niche. This isn’t a painless decision. At the end of the day the easiest way to make sure that your requirements are fulfilled is to spend a few hours on some pain-staking research of domain hosting companies by reading available reviews. Reviews of domain hosting are useful, but how to find out what is useful and what is not? Well, as with all informed business decisions, you should decide what characteristics are essential to you. One option is to employ the same business to host your website and register your domain name. Be mindful, however, that months after your website was set up, features such as service are likely to become way more important than ever.

Any feedback published on the hosting provider’s website is not wise sensible to go on. To determine the most suitable Web registration for you, you need to find an unbiased evaluation. You must research as much client feedback as possible and pay close attention to the reviewers’ feedback. Do you find any problems repeated more than you would expect? Are the company’s strong points from the comments? Is the feedback generally good or bad?

Of course, you should expect to see both bad and good comments. Stay objective and check out all the pertinent info you can. Naturally, pricing is a key factor, but make sure you have everything you could need in your agreement. Below are various questions to investigate when researching which provider to settle on. Does the company you are researching boast non-stop customer service with a free telephone number, and can you deduce from the reviews whether or not they have got a quick turnaround time? What about bandwidth? Some businesses provide unlimited domain hosting and bandwidth as part of a bundle, along with perks such as computer software to run your website, coupons redeemable for Google AdWords, and discounts on further domain names. How is the payment plan implemented? Can every payment be cleared on an individual basis or is there a less complex option, and are annual payments an option? In the case of a server failure, what will they do?

Only you can pick the most suitable hosting for the needs of your website, however, before you decide, do use caution and check out the reviews. Studying various domain hosting reviews gives you the chance of saving time and money at some later point.

Most entrepreneurs would know the importance of developing a brand for the products or services they offer. Most would say that branding helps consumers to uniquely identify their products and services. Furthermore, after establishing the brand name, the value or worth of the “brand name” can be “pumped up” without having fears that the investments would be dissolved by competitors. At least these seem to be the main reasons for branding. However, most netrepreuners are still ignorant of the effective approaches of developing a brand on the World Wide Web.

Developing your brand with great content
Content marketing has evolved much for the advertiser. Now online, advertisers have learnt that their adverts have to blend into the publishers’ website as great content. Only by providing content would the website visitors be drawn to the adverts rather than to just skip them. We now know that website visitors seek original, fresh and great content. It is information that they seek and not flashy graphics or logos. It is great content that makes your site “sticky”, thus helping your visitors to return well so often. So how do we provide the fresh content? Well, there are many ways. First and foremost, be generous in inserting concise details and organized information on the products and services you offer. Make sure that the website is structured in a very organized fashion. Do not make the mistake of providing irrelevant information. Providing the latest news or information on the market trends regarding your products will be useful. Inclusion of a manual or guide to using your products is most encouraged. Detailed comparisons with your competitors will be appreciated by your visitors. Insert articles and forum posts by your existing customers. Their comments and suggestions will definitely be welcomed by your site visitors and prospects. As there can be many other ways of providing great content, remember to keep it fresh by updating your site content regularly and with original information.

Customer relationship is King
Another important aspect of building your website brand name is the relationship development with your customers and website visitors. On the World Wide Web, this vital factor has been much emphasized by gurus yet overlooked by webmasters and netrepreuners. Before website visitors decide to make a purchase, they would like to have the experience that they are being treated with extra care and not just like another client. They would like to know unconsciously what kind of caring and considerate person you are. They may not get a clear picture of what kind of personality you have the first time they visit your site, but will form a better image of you after returning many times or after receiving many of your follow-up emails. Most visitors will only be converted to customers after being convinced that your support team or you yourself are motivated by support care for your clients. It has also been proven that good customer relationship is even more effective when extended to webmasters who are leaders. Website visitors will be easily converted to your supporters when you can prove to be their reliable leader in their quest to their goals. As their leader, your desired personal character is to personally know your supporters, care for them, attend to their personal needs with haste and optimistic if not motivational.
A few simple steps can be carried out to enhance good customer care: promote communication both ways and attend to your visitors’ needs and questions quickly; be polite and considerate when communicating with visitors and customers alike. Simple communication mediums or tools can be set up to aid the communication process. Leave your contact email address so that the website visitors can contact you. If you are afraid that your email address will be misused, then you may use ticketing systems where the visitors fill to submit ticket forms. You may also consider using detailed “Frequently Asked Question” sections to help you. Forums also prove to be a useful communication tool. “Live-support” and chat rooms are helpful as visitors can get their doubts cleared and questions answered on the spot.

Building a community
Most people would like to be part of a team. The sense of belonging especially to a more elite group has been identified as an important driving characteristic of consumer behavior. Being part of a community, most people feel that they are able to get non-biased communication, opinions and even help from other members of the related community. Many people also have the concept that successfully developed communities usually enjoy higher standards of privileges as compared to individuals, single visitors or buyers to the website. This is usually true as Webmasters tend to “take care” of their nurtured community groups with gifts, offers and privileges. After all, it’s convenient for the webmaster to contact the entire group than many individuals. Therefore members of a group will be contacted or updated frequently with new information and privileges. It is wise if you are able to build some sort of community related to your web site. These community groups can be maintained using tools such as emailing systems and auto-responders. Forum softwares are also very useful to maintaining constant communication with the entire community. Chatrooms are great when members need to talk to each other or with you.

Your ultimate pot of gold
Are there really “Pots of Gold” to be realized in business including that of the Internet? Well, to better illustrate what these “Pots of Gold” are, let’s look at a simple real life example. The producers of the Blockbuster movie “Harry Potter and the Sorcerer’s Stone” released this first movie in 2001. It was a hit and made millions , despite the fact that many had never even read the book. After reaping in the mega profits, did the producers stop there? The answer is no; they went ahead with the filming of other Harry Potter movies. They knew that the consequent movies will be almost guaranteed instant mega Blockbusters. This is simply because the same people who enjoyed the first Harry Potter movie will most likely return to watch the other Harry Potter movies.
Let’s take another practical example. Today, millions have been served and are still being served in the chain outlets of McDonalds worldwide. It is not by coincidence that McDonalds also sell children toys with their value meals. It is not surprising that the volume of toys sold by McDonalds worldwide now surpasses any toy retailer company. In fact, McDonalds is now ranked number 1 as the world’s largest toy distributor, above Toys “R” Us and Walmart. (example source : www.fool.com/News/mft/2004/mft04090301.htm ) . You may ask how it became so. Well, there is no secret. The McDonalds corporation has built its enormous network of chain stores worldwide which are repeatedly patronized by their respective customers. Every time McDonalds introduce new products, they will be instantly introduced to a ready market of potential buyers!
From these examples, we now understand that the direction for any growing business is to build our network of dedicated clients. This clientele may have been your past customers but you have to stay in good relations with them as they have a good chance to purchase your products and services in future. As long as they have enjoyed and appreciated your past products, services, contacts, communications and customer relations, they will definitely consider the next quality relevant products and services that you introduce to them. Communicating with your past internet customers will be easy as you already have their emails and contacts from their last purchase.

To summarize this important aspect of internet marketing, let’s layout the plan of actions that builds your “Pot of Gold”.
a. Ensure that your first and consequent products and services are of the highest grades
b. As you make the sales, remember to keep your customers’ emails addresses and contact profiles.
c. Remember to keep in contact with your customers so that you preserve and enhance the good relations with them. Use emailing softwares and tools to send your updates, newsletters and emails.
d. As you update your subscribers on your future plans, remember to highlight your brand name or company name so they can associate their past pleasant experience with you to your brand name and company.
e. When you introduce the new products and services to your past clients, remember to highlight your brand and company name. They will cognitively associate their past good experience to their current needs for the new product or service.
f. Never, ever introduce non-relevant products and services to your clients. This will spoil their image of you as a professional in the scope of field you are in. Imagine an example where you manage a site that deals with recipes. As your site grows, you accumulate a list of loyal subscribers to your regular updates and newsletters. It will be ridiculous if you were to suddenly introduce sports shoes to your subscribers!

To understand more of our web services, please log on to http://www.netbizsolutions.com

Eugene Yeng is the Managing Director of Netbizsolutions.com .
An Internet Advertising Guru leading A Internet Advertising Consultancy.
He is also the author of the paperback book Killer Internet Cashflow Strategies.

Broadband, another name for high speed internet connection, is capable of transmitting data at a much faster rate than a standard dialup modem connection. It allows you to keep your phone lines free allowing you to make and receive calls while using the Internet. It works on the top of your phone line such as ADSL providing ten times faster data transfer than a dial-up connection. You can now download music, graphics and video quickly in no time at all. So if you are a dial-up user, looking for a faster connection, go for a broadband Internet connection.

Earlier with dial-up connections, people had no options but to bear with low speeds, breaking connections, time consuming downloads, and engaged phone lines, etc. But with the coming of broadband, there is a solution to all these problems. Although broadband is costlier than dial-ups, people are opting for it because they have realised the importance of broadband. After the broadband prices came down, its use in homes quickly surpassed dialups. The only change is the change in frequency and duration. Telephone calls can now be made on the Internet and cheap webcams can be used for video chatting. People can now send a quick email, read a quick news article, instantantly access pages on the Net, video on the Net, and even download a lot faster. They don’t have to wait anymore for several minutes to log on to a dial-up account. The wide bandwidth technology is transforming cable TV, internet and telephone connections round the globe. The number of internet service providers are also increasing with broadband making its way to more and more homes. With your broadband connection, you can reduce your expenses and enjoy added features that your conventional phone company could not provide to you at any price. Broadband was initially desired for surfing and downloading speed but today an ever increasing number of people are turning to VOIP( voice over internet protocol). VOIP is a great service and it cuts down the phone bills to nothing.

webmaster
http://www.xpert4u.co.uk

Building A New Online Bookstore – A Case Study In Search Engine Optimization

By Patrick Dent, Owner of New Online Bookstore, Author of Execution of Justice

If you already have a website, and are struggling to draw the traffic you need, you may have to go back to your URL and reconstruct your site to sing out to search engines using strategies that attract the attention of the biggest search engines. The basic strategy has three steps: first, select the best 3-4 keywords or phrases for your products, second, build those keywords into your URL, and third, to tweak your site to rank high for those 3-4 keywords.

Selecting Keywords To truly pick the best keywords, you need to understand the KEI (keyword efficiency index). But, I’m going to show you how to modify the formula for the KEI to separate your true competitors from those who merely have the same keyword indexed on their site. The KEI formula is simple. You take the number of worldwide searches for a keyword per day and call that ‘P’ for popularity. Then, you take the number of websites containing that word or phrase in their ‘keywords’ tag, and call it ‘C’ for competition. When you perform a Google search, it will say ‘displaying top 10 results of 540,000,000′. That huge number is ‘C’, and ‘P’ can be obtained from the free version of Web CEO. Now, Web CEO is going to calculate the standard KEI (which should be in the 100’s to be good) and give you a number like 0.0009 for just about any keyword you can dream up. If there are new keywords under the Sun, I haven’t located any. Here’s where you tweak the formula to your advantage. The standard KEI is (P^2)/(C). Since you plan to build your keywords into your URL, which is heavily weighted by all major search engines, you want to modify ‘C’. Type your keyword search phrase into Google as follows:

allinurl: “keyword phrase”

and ‘C’ drops from hundreds of millions to maybe tens of thousands or fewer. These are your true competitors. You beat the millions of others by default because your keywords are few, focused, and contained in your URL. After typing in the above, simply take the number of competing websites Google lists, and plug that into your KEI equation, and the KEI will be in harmony with your strategy of building keywords from the URL level down to the Title, Description, Keywords, Body Text and Alt Tag levels.

The owner of Quincy’s Steakhouse said he’d learned all his mistakes building Quincy’s and he wanted a fresh start. So, he sold Quincy’s and opened Ryan’s Steakhouse, avoiding all the pitfalls of his first run. He soon trampled Quincy’s. Wise man. This is the same process I went through.

It took me a year to learn the pitfalls of opening a new commercial website. The first decision I made was the name of my URL, before I had any notion of what keywords I would be competing for. So, I named my site after my business – a sound strategy if you have name recognition like Amazon – but not for a newcomer to a very large pond, filled with 540 million competitors. I also tried to emulate the business model of the major online bookstores by being everything to everyone. Big mistake #2. Being a small, upstart business, I needed to focus in on a niche, not the entire planet.

Now, look at the URL and keywords for my new company, New Online Bookstore.

http://www.new-online-bookstore.com

Note that the URL contains ‘online bookstore’, ‘bookstore’, ‘book’, ‘books’, ‘new’ applied to any of the before, etc. This is because I wrote the copy for my entire site in natural language, with a few keywords in mind, then checked the keyword density with any number of free online tools. That told me what words I naturally used most often and prominently when describing my site. I then used Web CEO and the Overture Keyword Suggestion Tool, both free, to tweak my keywords to make them focused on my niche – new books from new authors. I figured I could take a small sliver of what Amazon and the other Big Boys do and focus with such single-minded intensity on that niche that I could beat them for a reasonable number of searches. This means sticking to the restriction of 3-4 keywords or phrases, each of which should: be included in your ‘H1′ tag, constitute a minimum of 2% of visible text (mine are in the 15% range), and be included in the Title, Description, Keywords and ALT tags.

You’ll never completely satisfy Web CEO, but come as close as you can. When your site is as good as you can get it, have Web CEO automatically submit it to the major search engines every 30 days to keep your listing fresh. Now, you’re set up to attract first time visitors.

Email Marketing

The problem is that less than 30% of first time visitors actually make a purchase. You need to collect their email addresses (www.worldminer.com) and follow up with them. For instance, my site offers a free monthly Short Story Ezine, which attracts both readers and writers without the need for spamming. Ezines are best published through an autoresponder, and your website should have ample opportunities for visitors to sign up for a free subscription. For those visitors who don’t sign up on my site, I follow up with a non-commercial email offering them a no charge subscription to my ezine. This is not considered ’spam’. Spam is defined as “unsolicited, bulk, commercial email”. There are many autoresponders to choose from, but none will tolerate more than a few spam complaints before dropping you. Stay away from FFA leads and services that promise 10 MILLION FREE EMAILS. These mailings are random and meaningless. Sending out 10 MILLION FREE EMAILS to Chinese antiquities dealers is a waste of your time if you’re selling new books.

Using my unobtrusive method, I picked up 700 subscribers the first month, and am now into the thousands, with my next 13 ezine issues already loaded into my autoresponder.

It’s that simple. Pick your keywords. Build them into the business name and URL. Then, do the detail work, parceling your keywords evenly across the alt tags for all images and text links. If you don’t know HTML, it’s not a big deal. You can easily find tutorials to show you exactly how to use these tags, and no other knowledge is needed.

Then, figure out some kind of newsletter that would interest your customers and include subscription forms on each page, with a clearly stated privacy statement. Offer a free subscription to your newsletter in as many avenues as possible, such as in the footer of this article.

For no charge tutorials on the craft of writing or internet marketing, please visit our site.

Patrick Dent

New Online Bookstore New Books by New Authors Expect a little more…And get it. http://www.new-online-bookstore.com info@new-online-bookstore.com For a Free Subscription to our Short Story Ezine, simply mail: ezine@new-online-bookstore.sendfree.com

Remember that hilarious guy you met at the casino on your last cruise? What about that best friend you had from the high school you transferred from your sophomore year? What about that long lost crush; how is she? Everyone needs to find someone at sometime in their life, and sometimes that can be difficult. Short of hiring a private detective, there are few options available. With the proliferation of the Internet, there is another place to turn.

An easy place to begin is the Internet white pages. Think of these sites as a gigantic phonebook with listings for people all over the country and even the world. The downfall of these types of sites is that it is usually difficult to locate the exact person you are trying to find, and it may be awkward and time consuming calling up 150 people named “Michael Brown.” There are, however, other places to turn.

Many Internet sites now claim to be experts on finding personal information. Any of these sites can be found by loading Google in your browser and searching for “find people.” Of course, these sites charge a fee, from small to large, to present you with all the information you could ask for. These sites offer you address, phone number, cell phone number, email address, job record, credit reports, criminal records, and much more. Some sites even claim that this is a great way to learn about prospective dating partners! It may be smart to first try the service with your own name to see exactly how it works and what information is available.

If you wish to learn more about relative and your family’s ancestors, there are sites that can help you do this as well. They will help you retrace your family roots right up until you can find your actual relatives that immigrated to the United States (the website is actually created by Ellis Island).

Overall, these sites are great for finding someone you want to contact. However, they do seem like they interfere with people’s privacy. Do you really want to know that that hilarious guy in the casino has gone bankrupt 3 times since the cruise? Come on!