Helping people reduce interest expenses

Money is an important part of life whether we agree or disagree.  Sometimes, we have an urgent need for cash.  If we get the money from the credit cards, we have to pay more than 20 percent interest.  When we have extra cash, we can only get 2 percent interest from the banks.  The gap between what we can get from lending our money and what we have to pay to borrow money is very big.  Zopa.com is changing it.  It's a company that matches the borrowers and lenders.  You can go to Zopa.com and lend money for 4 percent or borrow money for 8 percent.  Zopa.com is on its way to making millions.

Problem:  Credit cards charges 20 percent interest on the money we borrow.  And, banks gives up 2 percent interest on the money we lend it to them.
Idea/Solution:  Website + Borrowers + Lenders + lower interest rate for borrowers + higher interest rate for lenders
Site:  http://Zopa.com

Making millions feeding the love of traveling

Americans love to travel.  Whenever they have vacations, they love to go and explore countries.  There many things to see and experiences to have in another countries.  Travel Channel is a TV channel that focus on travel shows.  There are shows on traveling to England, France, Japan, China, Thialand, and alot more.  There are shows on traveling to beautiful Hawaii.  You can follow travel guides with different personalities and theme.  Their moto is Experience the world and immerse in new cultures.  Travel Channel has TravelChannel.com website with information on the shows.  It's making millions.

Problem:  We don't have enough vacations to explore every culture and destination.
Idea/Solution:  TV Channel + Website + Travel + Countries + Themes + Love for travel
Site:  http://TravelChannel.com

Making millions growing indulgence in food

Food is a wonderful part of life.  It's an important part of celebrations and activities.  FoodNetwork.com is a website created by Food Network cable TV channel.  The Food Network TV channel is filled with cooking shows, travel food shows, cooking competitions, and other food related entertainment.  You can watch how to make tasty cookies and treats.  You can follow Rachael Ray's $40 per day eat in New York City.  You can watch Iron Chef's show with chefs making wonderful dishes from specific food, like Lobster, or Mango.  There is so much food recipes to explore on FoodNetwork.com.  Food Network is making millions.

Problem:  There are so many different kind of foods.  There's not enough time to go to each all the different food.
Idea/Solution:  Website + TV Channel + Food + Cooking + Competition + Fun + Travel + Entertainment
Site:  http://FoodNetwork.com

Making millions creating secure examination environments

In US, there are so many standardized examination.  There are examinations for college application, graduate school applications, professional school applications, and state licensure exams for professionals.  It is very difficult and time consuming to have these examination conducted in Paper and Pencil tests.  In order to have efficient testing, the tests are conducted on the computers.  Prometric is the company creating the computer based testing sites.  It makes the environment secure for testing.  There are camera and people making sure the examinees are not cheating.  Prometric is making millions.

Problem:  There are many standardized examinations.  Paper and pencil exams are inefficient.
Idea/Solution:  Testing sites + Computers + Secure environment + Test administrator's exams in computers + Testing fees
Site:  http://Prometric.com

Making it safe to buy and sell product online

Internet commerse is an important part of economy.  We buy and sell products online.  Billions are spent on online transactions.  As the online commerce grows, it is becoming a common place for people to commit fraud.  Some people uses stolen credit cards and selling damaged goods.  You can avoid being scammed by using Escrow.com.  It is the objective mediator between buyers and sellers.  Buyer submit payment to Escrow.com, the payment is verified, and seller sent the item to the buyer.  When the buyer receives the satisfactory goods, the fund is sent to the seller.  Escrow.com takes a percentage of the transaction as fee.  Escrow.com is making millions.

Problem:  Fraud and scam is increasing for large item purchases. 
Idea/Solution:  Website + Buyer's Payment verification + Seller's item verification by buyer + Fee
Site:  http://Escrow.com

Helicopter tour making millions

Many people enjoy traveling to wonderful places.  Many people wish they can see big city from the air.  New York city a beautiful city to see from the air plane.  ZipAviation.com is making it possible for people to get helicopter tour of New York City.  It's a wonderful experience for many people.

Problem:  Seeing a big city from the air plane is beautiful, but you don't get to enjoy for a long time when the plane takes off or land.
Idea/Solution:  Helicopter + Tour + New York city + Beautiful attractions
Site:  http://ZipAviation.com

Mind altering music making millions

Music is very powerful.  Hearing music can change our emotions.  Sometimes, we hear the songs we grow up with and it takes us back to where we were when we were kids.  BrainSync utilizes music to alter brain wave.  They have music to change your brain wave to meditation state.  BrainSync has produced music to change your brain wave to alpha state.  It's making millions.

Problem:  Music can change our emotions and influence our brain wave.  Sound and music surrounding us creating more negative emotions randomly.
Idea/Solution:  Music + Brain wave + Specific state + cD's + Therapy
Site:  http://BrainSync.com/