Wednesday, December 29, 2010

Affiliate Marketing Made Easy

Affiliates: This is Urgent...====================================================Fellow marketers. The key to any successful business is a proven system. Off line you have MacDonalds,Dairy Queen, Kentucky Fried Chicken and more. It is a proven fact these ...
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Friday, December 24, 2010

Real Estate Investments

Real Estate InvestmentsInvesting in real estate and browsing real estate listings is a favorite past time for most real estate investors. Do you have an interest in real estate ? Do you know real estate investors ? Investing real estate does it all seem c...
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Weight Loss or Wieght Loss. No Matter How You Spell It Millions Could Use Help

Weight Loss or Wieght LossNo matter how you say it or spell it how to lose weight is something millions of people around the world would like to learn how to do.For the first 50 years of my life I was over weight. Early in life other than the social stigm...
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Thursday, December 23, 2010

Here Comes 2011 Ready or Not

Here Comes 2011 Ready or NotWell folks 2010 is pretty much in the history books. How was 2010 for you and your family ? I found it to be a very challenging year especially in business. Each year between Christmas and New years I review my previous years g...
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Sunday, December 5, 2010

Many of us wonder about life after death. Here is a true story you may find interesting

Is There Life After Death ?I have thought a lot about writing this story. I feel it needs to be told. This is not my story and there may be some inaccuracies but it is true to the best of my knowledge. My wife’s sister lives in a rural community and...
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Tuesday, November 30, 2010

Do onto others as you would have them do unto you. Merry Christmas

Christmas but who cares???? to those in need a single mom in need. an elderly man alone. a teenager on the street. but who cares? No money to buy food. No company any day. No place to call home. But who cares? The social worker does her best. The home car...
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Sunday, November 28, 2010

I Publish a monthly flyer mailed to 15,500 households in my area. This was my Christmas message.

A Christmas MessageWell folks it’s that time of year again. For me Christmas is a time of family, rest and reflection. The Christmas holidays is the one time of year I can get a break from my normal busy schedule. Running a business is trying at the...
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Thursday, November 25, 2010

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Yes for the last time the $25 is free. Here is the link

$25 For Free, That's hard To Believe ? Yes It's True Check It Out Now

Why you should join today... You start with a $25 balance and it's free. PayBox will add up to $20 per day to your account for participating as we prepare to launch our new service. You get $10 per person you refer to PayBox. You'll be an EarlyBird user&m...
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$25 for free. Yes it's True Check it out now.

Why you should join today... You start with a $25 balance and it's free. PayBox will add up to $20 per day to your account for participating as we prepare to launch our new service. You get $10 per person you refer to PayBox. You'll be an EarlyBird user&m...
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Do you want $25 for free ? Who Wouldn't. Check This Out Now

Why you should join today... You start with a $25 balance and it's free. PayBox will add up to $20 per day to your account for participating as we prepare to launch our new service. You get $10 per person you refer to PayBox. You'll be an EarlyBird user&m...
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Friday, November 19, 2010

Nova Scotia Has gone from many farms to almost no farms in only two generations

Nova Scotia FarmsNova Scotia farms for sale are becoming increasingly hard to find. The past two generations have seen the small Nova Scotia farm be increasingly marginalized by consolidation of the dairy and poultry operations and the demise of beef and ...
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Wednesday, November 10, 2010

AFFILIATE X Finaly a successful Internet Marketing System

 Affiliates: This is Urgent...====================================================Fellow marketers. The key to any successful business is a proven system. Off line you have MacDonalds,Dairy Queen, Kentucky Fried Chicken and more. It is a proven fact ...
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Friday, November 5, 2010

A Night at The Camp. Every Fall For Most of Our Life Fall was A time To Head To The Woods

Sometimes we just need time alone. Luke A night at the camp. To those who love solitutude A NIGHT AT THE CAMP It’s just an old tar papered shack. Nestled in a quiet forest glen . I wonder why I keep going back ? Certainly not the best place I’...
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I wrote this poem for those who love the fall

Fall Breeze To those who love the fallFall BreezeThe stars flicker in evening skyWhispering winds make forests sighCrisp and cool makes autumn dieReminds us all that winters nigh.Good and fresh as apple pieBrilliant leaves swiftly flyTo mother earth to la...
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Wednesday, November 3, 2010

The Truth About Making Money On Line

Okay Okay !! How many guru's start off promising the truth ? Well I'm not a guru but I've messed around on line for about 15 years now. I've had an ebay store, Owned a real estate business for 33 years and developed our real etate site to a consistant 4,0...
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Monday, November 1, 2010

Membership in SoKule is an Investment In Your Future

Social media is fast becoming the best marketing resource for on line marketers.I can't thank the people at SoKule enough for making it so easy to post on so many sites.Just saves hours of time. Don't hesitate to upgrade it is well worth the money. It's o...
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Social media is fast becoming the best marketing resource for on line marketers.I can't thank the people ...

Thursday, October 28, 2010

Looking for the best real estate advice Here's my resume Call if I can help

Larry Matthews AMP DACPresident/Broker QualificationsOne of Nova Scotia’s most experienced real estate professionals . 1. President/broker Hants Realty Limited for 33 years 2. Licensed selling real estate for 35 years 3. Certificate of recognition f...
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Each morning we all get up and face a new day.Our attitude when we get up determines a lot of our days ou...

Tuesday, October 26, 2010


A Ray of HopeHope is a funny thing . You can’t see it or touch it but you see it all around us . Many people have so little that all they have is hope. They hope for a better day. They hope they will get better and recover from illness. They hope th...
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Saturday, October 23, 2010

Friday, October 22, 2010

New Updates from

TGIF Busy week or what Another new listing 349,900 39 acre horse farm 20 minutes from the Halifax Airport...

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Busy Busy New Listings $289,900 52 MacMillan Dr Elmsdale Beautiful 3 level split,double car heated and fi...

Tuesday, October 19, 2010

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Internet marketings greatest obstacle that you have to overcome is interruption. How many times have you ...

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The only person who can change your life is You. Change only comes from taking action. What action are yo...

Sunday, October 17, 2010

Real Estate The Most Important Fact You Need To Know

Real Estate The Most Important Fact You Need To Know.The equity you build in your principle residence is tax free. Most of the wealth created over time is created by owning your own home. The sooner you own a home the quicker you will become financially i...
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Friday, October 15, 2010

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Give your customers the free App.You can brand the app with your business logo.You can become a distribut...

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TGIF Everyone have a great weekend....

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Good Friday morning. Here's my real estate tip for today.Remember to check withyour mortgage holder regar...

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Good Friday Morning. Here's todays real estate tip.When selling or refinancing your home always verify yo...

Thursday, October 14, 2010

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Good Morning everyone. Here is my real estate tip for the day. Staging does work. I see it work every day...

Wednesday, October 13, 2010

New Updates from

Wenesday Oct 13th 2010. What is my home worth ? I get asked that a lot.Here is the simple answer. Your ho...

Tuesday, October 12, 2010

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Nova Scotia Real Estate For Sale at



I have operated my own business now for almost 33 years. This is my third recession and although I do not claim to be any kind of business expert I have survived and have learned from my mistakes.(there have been many). I felt I should write this article to perhaps provide some insight to other small business people to help them avoid some of the mistakes I have made and to provide some hope and encouragement at a time when the whole world may seem to be against you. Some important points I want to emphasize.
1. An economic downturn is not your fault . Some of the best business people in the world can not survive in tough economic times. So do not blame yourself. Do not let hindsight torture you . By this I mean by thinking the if only. If only I hadn't expanded, if only I hadn't hired more people , if only I hadn't bought this or that etc . Recessions are very seldom foreseen and nobody has a crystal ball. You are where you are at and it is what you do from here on that will determine your survival .
2. The team you have surrounded yourself with can move very quickly from being helpful and supportive to being a direct cause of your inability to survive . This includes your lawyer , accountant , banker , insurance agent and employees. Why do I say this ? Your lawyer is concerned with doing what is lawful not moral . You are concerned with surviving. Your accountant is more concerned about proper tax returns. In a recession the tax man can wait. Your banker is an employee more concerned about his job than your business survival. Your Insurance agent is more concerned about the company he/she represents and collecting the premium you owe than your business survival . Your employees are concerned about their jobs and pay cheques and you can be sure your competitors have already approached your best and you know you can't depend on your worst.
3. Accept the fact you are on your own. Expect sympathy from no one . Complain to no one. Cut all unnecessary expense and overhead . Analyze your labour and decide at what point you will have to consider reducing your labour costs and who will be laid off first .Then start reducing your dependence on those individuals in an effort to be prepared for the worst case scenario.
4. If you are working with a line of credit (short term credit) replace it with long term credit that can't be called and access additional credit to have available if needed. If long term financing is not an option do not depend on one lender. Open up a second operating account and when possible deposit some money to build up some cash should your existing lender shut you off . (take away your line of credit) If your lender calls your loan never continue to deposit money in that bank . Any money deposited will be applied to your operating loan and cheques will be sent back NSF. Managing your cash flow will be crucial and switching banks will mean all automatic withdrawals (payments) will not be honoured . That is okay. Contact them and advise you have switched banks and will send them a cheque. It is important to protect your credit score and there are some things you should know here about managing your cash flow and protecting your credit. As small business people most of our credit is personal or consumer credit. As of this article (in Canada) Business loans and mortgages do not show on a credit check. Just personal credit (credit cards, car loans, utilities etc.) In a recession managing your cash flow means no automatic withdrawals and you pay those bills first that protects your credit score. A wise business person once said to me." The number one rule in business is never let anyone else spend your money. If you have a book keeper implement a policy where by all checks have to be cleared by you and all purchases have to be accompanied by a purchase order.
This is just the tip of the iceberg in recession proofing your business and covers the basic minimum requirements to survival based on my years in business. Last but not least are receivables. Move immediately towards a no credit policy a recession is not a time to be carrying receivables.
There is much more I could write about protecting your assets and renegotiating your loans but that is another article. I apologise if I've offended any of the professionals mentioned but tough times call for tough statements based on my own experience. That does not mean I do not respect and appreciate many of the professionals who have helped me over the years.
Larry D Matthews
October  2010
Thank You,  Larry Matthews Hants Realty Limited (902) 483-0754 44 Main st West Stewiacke B0N2J0 Real Estate Expert
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New Updates from

Tuesday, back to work did three appraisals today.Lovely fall day here in Nova Scotia....

Wednesday, September 22, 2010

Check out my store

Hello There, Check out my online store for the world's largest selection of down loadable digital products. This is where I learn about many new ideas to improve my business.
Fall is here and we are busy. Time to hustle before winter sets in.

Saturday, September 4, 2010

The equity you build in your principle residence is tax free. Most of the wealth created over time is created by owning your own home. The sooner you own a home the quicker you will become financially independent. Renting will keep you poor. These are all time proven facts.Today many people are confused because there is so much negativity night after night being broadcast on the news. For example housing sales dropped 27% in the USA in the month of July compared to last year. Supposedly the single biggest drop in history. Canada after seeming to being immune to this recession is now seeing h... From: Real Estate The Most Important Fact You Need To Know.

Thursday, September 2, 2010

I would like to explain how leverage can be the essential ingredient to creating wealth by investing in real estate. We all understand there are many types of property to consider when buying real estate as an investment. Each property is unique and can be bought with various goals in mind for ROI (return on investment) . Income producing real estate is bought with the emphasis on the cash flow it produces while land might be purchased with hopes of appreciation over time. The average person with $100,000 who buys a $100,000 property. Who pays cash and then sells it for $125,000... From: How Real Estate and Leverage Can Create Wealth

Thursday, May 6, 2010

How Will Redgage Do as a Social Media

How will Redgage do as a social media ???If you can imagine yourself standing on a beach watching the ocean. If you can visualize the ocean as the internet. Each wave is a change or new adaptation that the internet will apply to our daily lives. Those people that catch the wave or cause it become the next success on the world wide web. I believe that redgage is one of those waves and I'm glad to have caught it. Although I do not have the time to utilize it fully by repaying all comments in kind (which is just normal social media appreciation and i apologise to my new friends) I do recognize the potential of redgage. You see the greatest human want is appreciation because it is so rare. Redgage has made an extremely intelligent decision to reward their members for supporting them. Thus saying we appreciate you. Facebook has edged Google out for traffic and most online marketers have come to hate google and are flocking in droves to spend their hard earned money on facebook. Niether google or facebook make any attempt to show their appreciation. Look out google !!! Look out facebook !!! Because redgage is coming on strong !!!!

Saturday, March 13, 2010

Our newest employee

Writing an offer ?????

Now where's that listing?

Just a minute while I check it out.

Ava taking a call
Hi everyone here we are in the middle of March and after a slow winter the real estate market is finaly starting to blossem. I sold my own listing this week for $129000 and I just got buyers approved for a $225,000 mortgage. I listed two good listings one at $299,900 and one at $329,900 so I'm starting to feel a little better. Rose sold one of Jenny's listings (Alton Road $169,900) subject to the sale of a little house in Stewiacke and Rose has an accepted offer on it. ALL CONDITIONS MET. That is great we have closings coming in. So hopefully cashflow is improving. Let's hope we all prosper this summer.
Many people ask me how I've managed to keep my daughters interested and involved in the business. Especialy other business owners. Well here's one of my secrets here's some photos of my grand daughter Ava in training.

Friday, February 12, 2010

Some People

Well we are working our way through a tougher winter than expected. My saving grace has been appraisals as sales have been unusaly slow.
Our real estate market stalled in mid october last year and has only sputtered since. The interest rates are the lowest in history but I've never seen credit this tight. The lenders have put policies in place that eliminate most purchasers that would have qualified for a mortgage only 2 years ago. That is the reality on the ground and that means this is going to be a slow recovery and a longer down turn. It took us 35 years to get to 100% financing and 40 year ammortizations. Now because some financial cowboys in the US built a house of cards that collapsed we will be paying the price for years to come. Now even if the lender wants to do the deal the high ratio insurer is getting tougher. This is an obvious reaction to more and more foreclosures and them seeing more lossess coming down the pipe. Another big impact on the market is the banks utilizing appraisal management firms instead of the local lender being able to call a local appraiser. This results in erratic and inconsistant appraisal values especialy in rural areas where accurate comparables are unavailable and an appraiser unfamiliar with the area compensates by being overly conservative. The lender has lost the ability to call a local appraiser familiar with the area and thus is farther removed from providing the customer with the service and results the customer would like. Of course we all know the banks and government operate in similiar manners. Both spend a fortune advertising how much they do for us while in reality it is the opposite. All of these changes have combined to basicly kill the goose that laid the golden egg which was the housing market. I hear the stories and watch the news about the hot housing market in Canada. That's not here not now and I don't think we are going to see a hot housing market for a while. The tight lending policies and changes in the appraisal process have combined to elimate too many buyers from the market place. Some people will have to come too their senses before things are going to get better and I don't see that happening in the short term. I hope I'm wrong but it's time to prepare for the worst. Recovery in sight ? Bah Humbug the recession is just realy beginning. We've only seen the tip of the iceburg.

Friday, January 22, 2010

Photography and Art

Hi There, Short post just to let you know my new photograpy and art site is up at Check it out.

All the Best

Wednesday, January 20, 2010

Article Writing

Well it's a new year. I wonder what 2010 has in store. I wrote a few articles last year. Here is a copy of my latest article.

Make Money Online Canada.

Canada is one country in the world where just about everybody has embraced the internet. Federal and provincial governments have recognized the importance of new technology and most provinces are on track to making high speed available to every household. This development offers a solution to the residents of this vastly rural country that is unprecedented and amazing in it's potential. Let me explain.
Only 50 years ago most Canadians were born and raised on small farms. Families were large and work was scarce in many areas. This created a huge migration from the country to the cities by the baby boomers looking for work. Many relocated from their home province to Ontario were most of the manufacturing was done. Many moved to mining towns such as Thompson Manitoba or Sudbury Ontario. As we've watched our natural resources diminish jobs in traditional industries such as fishing and now lumbering are, and have simply vanished. Recent years have seen this generation migrate to Alberta looking for work and a sustainable way of life. This growth around the cities has created demand for housing and commercial building space that has drawn trades people to meet the demand for construction labour. As rural communities declined populations around the major centres has soared. Nova Scotia is a classic example where the population has hovered around a million people for some years. The population around Halifax Regional Municipality has soared to over 400, 000 as residents move from rural to urban and city dwelling. Construction and development has boomed for 10 years to accommodate this migration of it's own provincial residents. What is the end result of all this and what has it to do with making money online?
I believe most Canadians would rather live in the country or their hometown. I believe we are genetically inclined to be country folk. Canadians are committed to family and this migration has drawn families farther apart. Cities are places where we lock our doors and we do not feel completely safe going out at night. Now no offence to those who love city life. I'm just suggesting a lot of us are only living there because we have to for work. I believe the opportunity is now here for many of us to make a change and have the life we want. This life evolves around a rural or small town lifestyle. We would like our children to be raised in that type of environment. So we could have more time to enjoy them as they grow and learn. That does not mean every one (city and rural alike) can not partake of this opportunity. Financial freedom is wonderful no matter where you live.
Financial freedom quite simply gives you the opportunity to live the life you want. Not the life imposed on you by your employer. (As good as that employer may be.) Good companies are only good because of good employees. However even good companies are utilizing the internet to reduce the number of good employees they need. For example the first industry to embrace technology was banking. One bank in my area has two branches. This bank makes billions in profit each year. Their two branches are open on a rotational basis. Even with billions in profit they are not prepared to staff both branches all week. They can do this because of online banking and ATM machines. I explain this to emphasise the impact of technology. How long before technology make so many good jobs redundant? So how secure is anybodies good job? Only time will tell as technology improves. Have no doubt we haven't seen anything yet. Now to my reason for writing this article.
Canada is the greatest country in the world to live. (In my somewhat biased opinion) We have prospered mainly because of our vast resources and marketing those resources to the world. That era is fast coming to a close as our resources are being depleted at an alarming rate. Just look at lumbering, fishing, steel and now agriculture to name a few. In the years to come those countries that imbrace technology and sell information and products online to the world will be the countries that prosper. Canada in it's wisdom has emerged as a leader by being one of the first countries to provide high speed internet to all of it's residents. Now this opens up the opportunity I've been eluding to. An opportunity for all of Canada's residents. You see the internet is fast becoming the world's market place for just about everything. The internet has no geographical boundries or restrictions. You can have a website in Pugwash Nova Scotia marketing widgets made in China. You can sell the widgets online all over the world and your supplier in China can ship the widget directly to your buyer in Denmark. You can build a business at home and make a good living or a fortune depending on what you want out of life. Now is the time for Canadians to become experts at internet marketing. Now is the time. You have the opportunity. All you lack is the knowledge. That knowledge and training support is readily available. Take control of your future now and have the life you want!! Living where you want!! Canada opportunity is knocking!! All you have to do is open the door.
Larry Matthews
Larry Matthews is a successful entrepreneur and has operated various successful business ventures for the past 30 years.Over his life time has risen from poverty to being a successful business person. He and his wife Peggy have been together since teenagers and his two grown daughters are active in his business along with his wife's sister and her son. Larry has been awarded a certificate of recognition by the local municipal government for 25 years of quality service to the public and a resolution was passed by the government of Nova Scotia recognizing Larry and Peggy for their perseverance and hard work. To learn more about making money online please visit
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