Thoughtful Thursday – Ponzi Schemes and Social Security

screamMy sis and I were having lunch the other day and got started on the topic of Madoff and the alleged Ponzi scheme he allegedly ran for several years. (Innocent until proven guilty hence the alleged comments.)

What’s a Ponzi scheme? It’s when someone is offered a high rate of return on an investment and the money paid to them comes from other investors and not from any kind of profit made by the company.

So my sis says, “You know who’s got the biggest Ponzi scheme going — the U.S. government.”

To which I went, “Huh?” (I hadn’t had enough coffee that day!)

Carmen, my sister, replied, “Social Security. Think about it. We pay and pay into the system and eventually we’ll get paid from the monies other people are paying into the system.”

Dare I say that both of us added to that comment, “Or not get paid.” Yes, many of us worry Social Security won’t be around when we reach the age where we can collect (which age seems to be getting higher and higher every time we look).

Now, practically speaking, I’m sure Social Security gets monies from other ways, such as interest, taxes, etc., but in general, it’s paying off one set of investors with money from another set of investors. To keep going, it will obviously need lots of other investors out there paying into the system unless some kind of bail out eventually occurs.

What do you think about Social Security? Has it treated you right? If you’re not yet retirement age, are you counting on it being there for you?

My thoughts on this Thoughtful Thursday and looking forward to hearing some of your thoughts on it as well.

Wicked Wednesday – FURY CALLS available March 2009

FURY CALLS by Caridad Pineiro, Silhouette Nocturne, March 2009This Wicked Wednesday treat is a little tidbit from my March 2009 release in THE CALLING Vampire Novels — FURY CALLS.

It’s such a WOO HOO 🙂 for me to be able to say THE CALLING is back and with not only a fury, but with a vengeance (LOL! – VENGEANCE CALLS will be out in 2010). It’s a series of my heart and I’m blessed to be able to continue it.

So after HONOR CALLS in February (a Nocturne Bites novella), you’ll finally get to see the conclusion to Blake and Meghan’s story. Those of you who have been with THE CALLING for awhile may remember their first appearance in TEMPTATION CALLS back in 2005 as well as Blake’s appearance in the free read, DESIRE CALLS.

Now I finally get to give Blake and Meghan their full and complete story and it’s become one of my favorites. I hope it’ll become one of yours as well.

So without further ado, here’s today excerpt from FURY CALLS.


Blake Richards shuffled the empty glass from one hand to the other across the pitted surface of the bar.

The remnants of cheap beef blood clung to the sides of the glass, painting it with thick fingers of red-violet. A vintage libation fresh from one of The Blood Bank’s regular human contributors would have left far less proof of the nature of the grisly beverage.

But then again, maybe it was that no self-respecting vampire would leave behind a drop of something so fine as fresh human blood.

Something so fine which was relatively lacking tonight, Blake thought and glanced around the interior of the bar. In recent weeks there had been a decided decline in the number of vampires frequenting the bar and that had resulted in a slowly decreasing stream of humans seeking the more dangerous fun and games for which the Blood Bank was known in Manhattan’s undead underworld.

Rumor had it that a goodly number of his fellow vamps had begun pairing off with some of the more intrepid humans and taken their business to Otro Mundo, the new hangout that Ryder Latimer and Diego Rivera had opened adjacent to Diego’s art gallery in Soho.

Otro Mundo provided fine dining and the possibility for other adventures in the kinds of decadent surroundings that the two older vampires had experienced over the course of their long lives.

Apparently the two human wanna-bes had struck a chord with a growing contingent of the undead, providing them and their human consorts with such opulence that the Blood Bank no longer held any interest. Not that he would know much about such opulence, he thought, recalling the hungry days of his youth in Wales.

After his father had been killed in a coal mining accident, his family had been forced to live off whatever they could grow on their small plot of land. Not nearly enough for the brood of six. At times his hunger had been so great that he would make a thin soup from whatever greens he could gather in the woods so that he could leave what little food they had for his mother and younger siblings.

Until he had found a way to earn some money. He considered now that starving might have been better.

Shoving those painful recollections away, Blake scoped out the occupants of the bar, needing to satisfy the hunger that the inexpensive beef’s blood had failed to quench.

As his gaze swept over the dance floor, he noticed the attractive blonde moving to the hard beats of the music spewing from the Blood Bank’s stereo system. Foley, the owner of the Blood Bank, was too cheap to hire live musicians.

When she turned in his direction as she danced, her gaze briefly skimmed across his.

He thought he detected a glimmer of interest there and so he rose, added a bit of swagger to his walk as he approached the dance floor. He weaved through the crowd of people gyrating and grinding to the deep bass beat until he was just an arm’s length from the blonde.

No doubt remained about her interest as he came near since she shot a knowing grin his way. He joined her in the dance, her luscious young body plastered to his, sweet firm buttocks caressing his front, but even as he did so, he knew the attractive chit could only fulfill one need — his thirst for blood.

Satisfaction of an emotional kind had eluded him for too long and as for the physical . . .

His recent interlude with vampire elder Stacia had taught him a thing or two about physical satisfaction. Despite how good it had been with the beautiful and powerful elder, it had occurred to him too quickly in the relationship that there was something lacking.

Something he hadn’t experienced since . . .

He drove thoughts of her away as the young woman eased up onto her toes, slipped an arm around his neck and drew his head near. She whispered into his ear, “Would you like to go somewhere more private?”

She inclined her head in the direction of the Blood Bank’s back rooms and he knew just what she wanted — a quick tryst and maybe even some painful play with the toys Foley kept in the rooms for his more daring clientele.

He smiled, slipped his hand into hers and quickly strode toward the vampire guarding the hall to those private back rooms, intending to fulfill the young woman’s needs and his own.

But even as he did so, memories sprang up of the last young blonde he had taken into that area. Of the joy and pain that tryst had brought.

He cursed beneath his breath as all desire fled.

Building an Effective Web Presence Part 2

pc.jpgRegistration of the domain name and building a brand

You know those long addresses that go something like this http://yahoosites/user/mynameismud.htm

Not so long ago it was expensive to register a domain name and there was only one Registrar, but not anymore. There are lots of domain name registrars out there and the prices can be as low as $8.99. Be sure when you get that great price that it doesn’t include some kind of advertisement requirement for the registrar.

Also, since you have to have someone host your website (in non-geek speak – the company who has the web server that will hold the files for your website), they may offer a deal where they will purchase and set-up your domain name as part of the hosting package.

But back to the domain name. What should it be? Something fun and sexy?

Sexyromanticsuspensefromcaridadpineiro.com?

Keep the domain name manageable in terms of length for starters. If you’re going to use a pen name, google it and see what pops up to make sure there aren’t a lot of other people with the same name. Also go to the WHO IS and make sure it’s not registered yet before you not only try to register the domain name, but before you start designing your site. The last thing you want is to find out the name is taken and you have to redo your graphics, etc. You can do the WHO IS at this link:
http://www.networksolutions.com/whois/index.jsp

Another thing to consider is whether you are going to be a .com, .net, .tv, .us or some other dot extension. The most common extension – and the one most people expect to see – is .com so lean towards going with that.

Back to the naming issue, which goes hand in hand with the branding issue.

I’ve learned over the many years I’ve been publishing that the one thing that keeps changing in my career are the genres in which I write. The one thing that remains steady (for the most part) is my name. When my first books came out under Caridad Scordato (an error which could not be corrected), I opted to go with caridad.com as my website because I knew (1) that I would be changing my last name and (2) that Caridad was unique enough that most readers would associate that name with me regardless of that last name that was being used.

So build your name and not some idea of the writer you are now because the latter will change while the former will likely not change.

If there is some other message you want to get across to readers, go with using a tag line/slogan. Check out Rayna Vause’s: When you need a little paranormal in your romance

Tag lines/slogans are a good way to reinforce what you do, but again, the emphasis should always be on you.

We’ll go into how to get people to visit your site next Tuesday, but as I mentioned last week, you may wish to design banners for when you start getting word out about yourself and your work. The banners should have the same look and feel of the site if at all possible and again, should stress your name so that people will start recognizing that name.

Hope this Tuesday Tip was helpful!

Guilty Pleasures Monday – Hugh Jackman

It’s probably long overdue that I featured sexy Hugh Jackman on my Guilty Pleasures Monday, but here he is!!

This photo is from THE PRESTIGE with another hottie, Christian Bale. It’s a complicated movie, but well worth the investiment of time. The ending will be a big surprise.

If you have a moment, watch this trailer from the May 2009 release for WOLVERINE. Can’t wait to see this movie since I love superhero flicks!


Fun Friday – A New Year and New Beginnings

LIBERTY STATES FICTION WRITERSIt’s a New Year and one filled with new beginnings for me that I’d like to share with you this Fun Friday. The first new beginning is my single title romantic suspense, SINS OF THE FLESH, which will be out in November from Grand Central Publishing. A new beginning since this is my first venture into a longer romantic suspense book and I hope you’ll follow me there.

I’ll be posting more about that release shortly! It was originally titled TAINTED BLOOD, but we changed the name and I’m really happy with SINS OF THE FLESH as the new title.

The second new beginning is a new writing organization — one founded by a group of my wonderful friends and me! So here is a formal introduction to this new organization from our new President, Gail Freeman:

    I’m please to inform you that a multi-genre fiction group has been formed. Liberty States Fiction Writers will hold its first meeting on January 10, 2009 at the Edison Public Library. Liberty States is being formed by a number of ladies who combined, have over 70 years of experience in managing an organization of this type. A combination of published and pre-published writers, our goal is to share our existing knowledge and expand it to include all fiction writers.

    Liberty States Fiction Writers is totally independent and is not affiliated with any other writing organization.

    You are invited to a preview of our website and check out what we have to offer our members at www.libertystatesfictionwriters.com. We hope that you like what you see.

Even if you’re not in the Tri-State area, our goal is to have a vibrant online community and we hope you’ll consider submitting a membership application. Alternatively, if you’d like to be a friend of the LSF Writers and do a banner exchange, please let me know! We’d love to grow our circle of friends and bring awareness of this wonderful group to others.

If you’re a bookseller or librarian, please join Liberty Reads, our loop for booksellers and librarians. We’ll be providing you info on our members’ releases, excerpts from their books and other fun things.

Wishing you all the best for the New Year and some exciting new beginnings of your own!

Wicked Wednesday – HONOR CALLS

FURY CALLS by Caridad Pineiro, Silhouette Nocturne, March 2009The next full length book in THE CALLING is FURY CALLS in March 2009, but in February there’s a great new novella that will be available in February — HONOR CALLS. The hero in this novella is someone you’ve met before — Jesus Hernandez, the FBI ADIC who is Diana Reyes’s boss. The heroine is brand new and quite interesting! I’m hoping to do a full length book with these two characters in the future, but for now, I hope you like this excerpt from HONOR CALLS.

Wishing you all the best for the New Year! I’ll be back on Friday as I have guests for New Year’s Day and will likely not be able to post!

Chapter 1

Michaela had been tracking the vampire since she had sensed the thrum of elder power during her scouting mission in Central Park.

He wasn’t the one she sought, but the heightened beat of his power told her he had just killed. Reason enough to track him until she found the right vampire and dispatched him. Then and only then could she leave New York City for a kinder gentler place.

She discovered the elder vamp’s victim just beyond one of the jogging paths. The kill was fresh, the remnants of the elder strong on the female runner who had been tossed into the underbrush like garbage. As she bent to examine the jogger’s body in its shredded clothes, she realized the vampire had not just been content to drain her of blood. The woman had been sexually assaulted as well and in the most brutal of ways – ripped apart by the vampire sating his lust.

Michaela opened her senses to pick up every last scintilla of the elder’s trail, from the metallic taste of the victim’s blood on his breath to the unique wake of energy the immortal left behind.

She reached the southern end of the park and something ahead of her spooked one of the horses attached to a hansom cab waiting along Central Park South. The animal reared up, hooves flailing at the air.

She darted behind the hansom cab as the driver attempted to calm the animal and caught a glimpse of a blurry figure speeding through Grand Army Plaza. As she raced to the fountain in the center of the square, the pulse of undead power beat at her more strongly, signaling that she was getting closer to the ancient vampire.

Another indistinct flash weaving through the scattering of pedestrians on Fifth Avenue confirmed the immortal was within reach.

She focused on that vague shape, keeping a watchful eye and a respectful distance as she chased after him. She could not engage the vampire elder out in the open where either humans or other vampires might see what was happening. To do so might expose her presence in the city and possibly bring down the wrath of the vampire council.

At some point the elder must have sensed that he was being followed.

He increased his speed and movements, weaving in and out of the humans on the sidewalks; climbing up to the rooftop of a building in lower Midtown Manhattan and leaping from one structure to the next before dropping to the ground once again. The vampire moved at an almost frantic pace, as if he knew the nature of her mission.

Michaela kept up her determined pursuit, patiently waiting for the moment when the time would be right. Dodging pedestrians and vehicles as the vampire attempted to elude her. Well aware that she had to act before the immortal reached the safe haven of the Blood Bank.

If he made it there, she would have to pull back and wait for another night. There were too many undead in that place to risk a confrontation within its doors.

Too many and she was just one against them.

She drove back the crush of loneliness that nearly choked her, reminding herself that there could be no other way. Her life was filled with too much death and destruction for any kind of personal commitments.

The few people she had allowed to get close had either ended up dead or run away when they discovered the truth about her existence.

The truth about her.

In Union Square, the vampire geared down to human speed, using that pace to lose himself amongst the many mortals still present in the park. The beat of the humans’ life forces and their scents served to disguise his presence.

Michaela paused at the far edge of the square, examining the walkways. Attempting to set apart the humans from her undead prey, but she was unable to pin down the immortal amongst the many humans in the park. She waited, hopeful that once the elder moved beyond the boundaries of the crowded area, she would be able to pick up his presence once again.

Her wait was futile.

Long minutes passed with no activity that she could discern.

She finally acknowledged that she had been bested by his subterfuge, but that didn’t mean the chase was over.

She knew just where the vampire was likely to go.

If she could beat him there, she still might be able to take him out before he reached the safety of the club.

Hustling at a breakneck speed, she arrived at the mouth of the small cobblestoned street which led to the Blood Bank. At the club’s door was the ever present vampire bouncer and crowd of humans waiting to go within and mingle with both wanna-be and real vampires. Not to mention the occasional shapeshifter or two that was brave enough to cross into bloodsucker territory.

Michaela had never understood the human fascination with the undead. The almost veneration for the amoral creatures who had taken so much from her and others.

Vampires weren’t meant to be idolized, she thought.

They were meant to be exterminated.

Building an Effective Web Presence Part 1

pc.jpgOne thing that I’m often asked is how I decided to build my website and what tips I can offer to someone who has to either create a new site or update one. So today’s Tuesday Tip is Part 1 of a series of articles on how to build an effective website! I hope you find it helpful.

Part 1: Deciding on the look and feel of the site

Before you even go with a programmer or other web professional, the first thing to do is to consider how you want your site to look. A site should reflect what you do as a writer (or what you plan to do in the near future). If you’re writing paranormals, your readers and other industry professionals may expect a look that’s quite different from what they expect to see at a site for someone who writes romantic comedy.

So, visit sites for writers in your genre and see what they are doing in terms of color, graphics, etc. Make a list of your favorite sites to send to whoever is programming your site so they can have a reference point for where to begin. If there are certain images that you like, save the links to where they are on the web or visit one of the stock photo places to find images of interest (istockphoto.com and fotolia.com are two good ones).

Decide whether you want any animated features on the site, like those flash intros which are the opening pages or the headers at sites (you can check www.caridad.com or www.thecallingvampirenovels.com to see what I mean by a flash header).

Also make a note of the names of the designers on the sites you like the most. You may wish to approach them to design your site. Prices may vary from a low of $150 or so to tens-of-thousands of dollars. That range will depend on whether the programmer is creating animated intros for you or whether they are creating custom fonts and graphics.

Finally, what kinds of pages should you have on your site? A nice opening page where you tell people a little bit about yourself and what’s happening with you. A bio page for sure. Contact page where you have the information on how people can reach you. A list of either your published books or projects you have in the works. Those are pretty much the basics, but think for the future so that however the site is designed, it will be possible for someone to easily expand it.

Will you be blogging in the future? Have a Myspace or Facebook page? Add an Amazon store or calendar? Make sure to let the programmer know that you have these ideas in mind for the future and it will help them decide how to code the website.

One thing to know is that having all this information on hand is one way to keep down website programming costs and get a site up and running in a reasonable amount of time.

Also – you may wish to have your designer do a banner or button that you can upload to other sites and use for web advertising. This is generally easy to do and shouldn’t cost much more. In addition, if you’re going to do a Myspace page, try to use the same design if possible. You’re building your brand with this website and it’s good to reinforce that brand at every web presence you have if it’s possible.

Stay tuned for next Tuesday’s Tip – Types of sites and how to get them up and running!