How A New Real Estate Investor Can Buy Apartment Buildings With No Money At All

Thinking of investing in commercial real estate? This article is for new investors to explain Where to Start.

A lot of new investors have tried to first invest in other types of commercial properties such as office buildings or shopping centers; only to realize that the transition is just too drastic and it ends up costing them the property, all their money leaving them deep in debt, destroying their credit and it takes years for them to recover.

Apartment buildings are tremendously easier to purchase, maintain & put on auto-pilot simply because most of us already understand how to rent an apartment and tenants are almost always readily available.

The buying process for other commercial properties (like shopping centers or office buildings) is not much different however the financing is much more difficult to obtain and leasing usually requires a team of very experienced individuals to negotiate contracts with business tenants.

If you're a new investor with little or no cash to invest, you MUST first start out with apartment buildings. Once you own at least 2 properties with at least 50 units in each property (which should be more then enough to pay you over $10,000 a month in net passive income cash flow) you can then branch out to other areas of commercial real estate.

After you own a few apartment buildings and have those properties generating you enough monthly cash flow; THEN you can absorb any vacancies that might come from not being able to rent out space in your office building, warehouse or shopping center.

Apartments are where just about all successful commercial real estate investors started out, so why try and fight the odds. Apartments are the fastest, easiest and safest way to create monthly income and massive profits.

While it is technically possible to have your first deal be a warehouse, shopping center or office building... the statistics show that it almost never happens.

Most investors who first try to jump to other commercial properties before they own a couple of apartment buildings, inevitably fail and quit this business never to return...

That's why I teach boot camps training seminars which focus on how to buy apartment buildings with no money at all. While I do teach about all types of commercial real estate, I focus on apartment buildings because the process with apartments is much faster and easier then it is with other types of commercial real estate.

If you want to succeed, your first commercial property must be an apartment building. This is the fastest and easiest way to create a steady stream of monthly Passive Income each and every month for the Rest of your Life!

Anthony Minnuto
http://www.passiveincomerealestate.com
Real Estate Investing for Passive Income & Residual Cash Flow

Anthony Minnuto teaches real estate investors how to buy apartment buildings with no money at all. Real Estate Investing for Passive Income & Residual Cash Flow.Annissa Blog29029
Alejandra Blog80209

Franchise & Business Opportunities that Attract Women

Buying a franchise is an ideal route for a woman choosing to go into business for the first time. Many franchise opportunities have been created to target the huge growth in female entrepreneurs.

Women generally speaking are more cautious than men and therefore prefer going into a business that has a higher chance of success. By buying into a franchise business they are limiting their risk to some extent as they are buying into a proven business model.

Many women desire a business that is flexible in the hours worked so that they can also meet the demands of their family. Another area of huge growth is in women seeking a business opportunity after their children have grown up. All of a sudden they are now totally free to focus full time in business.

Some franchisors have now realised that women make very strong candidates and subsequently spend a lot of time and effort marketing their opportunity to them.

A health club franchise that targets female clients and encourages them to start getting fit again is proving very popular with women. With very little prior business experience required and full training provided this is a low cost franchise. Location is everything here and the site chosen will make a huge difference to how successful this business is in the long term.

Another area that seems to attract a lot of women is the health and beauty franchises. This industry is huge and still growing. They range from specialist hair salons to shops that provide health and beauty products. Start up costs is again not that high and the potential for earnings is good if the right location is chosen.

Before I get accused of being sexist I would like to clarify that most franchises are just as suitable for both men and women. There is a definite bias in the franchises that women choose to buy.

Buying a franchise definitely offers many advantages to starting a business on your own. Women have been quick to realise this and now are starting to match the numbers of men when it comes to the franchise market.

Naz Daud is the Founder of the CityLocal Internet Business Franchise Opportunity.Annissa Blog29029
Anne Corinne Blog61283

Making a Money Making Media Website

Weather you want to publish home videos or tutorial videos in any subject the price to publish them on the web can be pricy. Videos, especiacially high quality videos, can eat up alot of bandwidth. I was charged over $400 for overusage of bandwidth on one of my video sites and then I stopped publishing videos right away. When choosing a host to host your videos you should consider several important factors: unlimited bandwidth, 100+ Mpbs connection, price, and the permission to host videos.

Some sites offer unlimited bandwidth in dedicated servers (servers reserved for only one site); however, the connection on the server may be 10 Mpbs, 20 Mbps, or somewhere around there. When I signed up with a dedicated server with 10 Mpbs my site was very slow and I lost alot of customers. I get over 2000 unique hits per day so bandwidth and speed was very demanding. Hosting sites do have plans with fast unlimited bandwidth but hosting videos and music are prohibited due to the overusage of bandwidth. In reality, there is no such thing as unlimited bandwidth becuase then it would cost the hosting sites tremendous amount of money to run their hosting businesses. Unlimited Bandwidth is used to attract customers who do not plan on making a site with videos and music.

If you get a host that offers a connection with 100 Mpbs or above then the host should be considered for your business. 100 Mbps should be enough speed for an average media site. With a good connection this leads to the price of the hosting. Some hosts only offer that amount of speed on dedicated servers that are allowed to have videos and music; usually the price to host such media content is $70 or above per month. If you have enough money to invest you should consider dedicated servers.

If you want to host media content you should ask the host before signing up with them. Some hosts have virtual servers (servers that have more than one site) which have excellent speed; however, they will disable, delete, suspend, or even ban your site from their servers if your site takes too much bandwidth or power from them. Making a media site is very demanding and it is very costly.

I found IICInternet.com to be a good hosting company that allows you to host almost anything. Currently they are offering unlimited space and unlimited bandwidth with 1000 Mpbs connection for only $39.99 a month. This is an incredible deal. I hosted my sites with them and I have been with them for two years. Their support team is not the best; however, if you have good experience in web site making then you should be ok.

With experience I found two solutions that are perfect for those who dont want to spend that much money or worry about bandwidth and speed. YouTube.com and MegaUpload.com. YouTube requires mpg format and avi format for uploading your videos. And if you do not have directors account then your videos are limited to be 100 MB or less in size and 10 minutes or less in length in order to be published. YouTube members who are directors have no limitation in videos size or video length so, you should apply to be a director. Its best to make your site first and apply for a directrs account since its free to sign up and its risk free.

MegaUpload.com is perfect solution for direct downloading. I recommend you sign up with their on-time-fee premium account for $99.99 for LIFETIME membership. Their premium account is an excellent investment for your media site. You can upload a file up to 2000 MB in size. Or if you have your files stored away somewhere on the web you can transfer it with the FTP/HTTP connection in one simple step. If you play your cards right you can take that $99.99 that you invested in MegaUpload.com and make it into $10000+ in a month.

Azmi Mufti is the owner of http://www.AdSense-Nation.com. He has experience in online business for over three years and he has made thousands of dollars from Google AdSense.Anastassia Blog61620
Ariel Blog79043

Tax Havens of the Caribbean-- the Cayman Islands

Investors and corporations desiring to get away from SEC regulations, and US taxes can conduct business operations from the Caribbean, including the British Virgin Islands, the U.S. Virgin Islands, the Dutch Antilles, and the Cayman Islands. The banking sector of the Caymans contains 450 banks from 65 countries, and is the fifth largest banking centers in the world.

The Cayman Islands have never implemented income tax or corporate tax. This is as a form of tax competition, against all the taxing monetary authorities and governments all over the world. Places like the Cayman Islands play a key role in globalization, since they are a place where investment deals between corporations from many countries can be made without the interference of national sovereignty or tax law. Unlike their reputation as rogue centers for finance, they are connected to all the money-center banks in New York, Tokyo, London, and Hong Kong.

Over 650 Hedge funds were recently registered in the Cayman Islands, bringing the grand total of hedge funds there to over 7,000. Hedge funds routinely set up in this tax haven to attract investments and avoid taxes in the USA, Europe and other countries. Even U.S. Pension funds invest in Hedge Funds, through their shell companies to avoid paying taxes. Assets of the hedge fund sector exceed $1.3 trillion. Another $2.5 billion in pension funds from Japan were moved into hedge funds and similar investment vehicles recently. There were also over 2,000 mutual funds operating out of the Caymans. Financial regulation is administered by the Cayman Islands Monetary Authority. International pressure exists to improve the regulation of the securities and investment business. These questions were dealt with in discussions in a British parliamentary White Paper. Tax-treaties between the U.S. and Great Britain and the Netherlands are being revised to deal with such problems.

The Caymans took steps to improve anti-money-laundering measures, which got it removed from the NCCT, the Non-cooperating Countries and Territories list. The Cayman Islands have complained that they want to make sure there is a level playing field so the regulations that they must exchange tax information are applied to other well-known tax havens.

With the U.S. stock-markets going nowhere for several years, there has been a shift to non-traditional investment methods. The idea of the hedge fund is to be market neutral. It makes money by taking short and long positions in a variety of derivative instruments. They often use a lot of derivatives, such as options, calls, puts, warrants and so on. Many hedge funds in Europe are headquarted in the Cayman Islands, and are listed on the Dublin Ireland stock Exchange, while others use Luxembourg as their European base of operations.

Hedge Funds can get investments through a Fund of Funds, which allows smaller investors to have their funds pooled and be invested in a hedge fund. So instead of a minimum investment of $1 million, investors can join the Fund-of-Funds pool for as little as $25,000. This involves hedge funds fees, and a second layer of fees at the Fund of Funds level

Howard Giske is a legal consultant. For legal information for small business: http://www.legalformsguide.com, for Incorporation services: http://www.incparadise.comAllison Blog20899
Ashly Blog48762

Work at Home Scams

The Internet is full of ads for work at home opportunities promising you thousands of dollars a month for staying at home while doing little or no work. If you are struggling financially, as so many people are, these ads sound like the answer to your dreams.

If you are thinking about investing your time or money in any of these ads, proceed with caution. Not all work at home opportunities deliver on their promises. In fact, a large percentage of them are scams and should be avoided.

Most advertisements for these opportunities deliberately omit certain facts, including only the information that will draw your attention. There is no mention of how many hours you will need to devote to the program or what the total investment costs may be.

Many work at home schemes require you to cover the costs of placing newspaper ads, buying office supplies, etc. This is in addition to whatever start-up fee or initial investment is required. Many people lose thousands of dollars plus their time and energy because they fall prey to these schemes.

There are many of these work at home scams floating around on the Internet. Some of them are listed below:

ASSEMBLY OR CRAFT WORK: Most of these programs tell you how easy it is to produce goods for a company that promises to buy them from you once you complete them, thus earning you a nice weekly income. They fail to tell you how many hours are required in order to produce those items or how much of your money is required as an investment in equipment or supplies, sometimes adding up to hundreds of dollars.

An example of this is a company that pays you to make aprons. You need to either have a sewing machine or purchase one. You may also be required to buy materials to make your aprons. However, after you purchase the materials and equipment and perform the work required, you are not paid.

How can they get away with this? They tell you the work does not meet their quality standards. Unfortunately, no work ever done by anyone is up to standard leaving you with a loss of income and investment. If you want to sell the items you have made, you are forced to find your own customers.

CHAIN LETTERS: Ads for chain letters tell you to make copies of a certain letter and send that letter to people whose names and addresses are provided. All you are required to do is send ten dollars for a mailing list and labels. You are then shown a chart to see how you can automatically receive thousands of dollars.

In reality, the only people who ever make any money from chain letters are the ones who are at the top of the chain who, by the way, are continually changing names and post office boxes. The person who sends you the chain letter tries to pull you in by claiming to be a successful lawyer who does this on the side and who assures you that there is nothing illegal about chain letters.

ENVELOPE STUFFING: Ads for envelope stuffing have been around for years in various formats. The basic claim is that for a fee, you will be provided with directions to earn money from home simply by stuffing envelopes.

After you make the initial investment, you discover there was never any real employment offer. Instead, you are told how to place ads in newspapers, magazines, online classifieds, etc. The only way for you to earn money is if people respond to your ads.

MULTI-LEVEL MARKETING: Ads for MLM programs tell you how you can earn more money than you have ever had in your life. By joining their program it will be possible for you to let others earn money for you while you enjoy your prosperous lifestyle!

Multi-level marketing is a business based on direct sales. It is a solid, well-established, legal form of business that has provided profit for many people who have successfully sold products for reputable companies.

Many illegal pyramid schemes can resemble these legitimate MLM programs. The difference is that instead of selling a product, your primary goal is to recruit others into the program. At some point, everything collapses because the market becomes saturated and only a few people at the top have made money.

MEDICAL BILLING: Ads for medical billing are in newspapers, magazines, and on the Internet. The sales pitch says there is a crisis in the health care industry due to the massive task of processing paper claims. Since only a small fraction of the claims are fulfilled electronically, the opportunities in this area are huge.

Supposedly, doctors want to contract out their billing services to save money. This means you should be able to earn a sizable income working from home providing services like billing and accounts receivable. No experience is required and you will be provided with clients. Unfortunately, the reality is that you have to do the selling yourself.

Very few people who invest in a medical billing business are able to find clients and generate an income, let alone recover their investments. The competition in this market is brutal and primarily centers on a few large companies.

Before making any investments in any companies, ask questions, specifically regarding investment amounts and the requirements for running the business. Insist upon receiving contact information for references. Contact those references and speak to them, preferably in person.

If you invest in any work at home opportunity and find that it is not legitimate, contact the company and ask for a refund. If they will not honor your request, find out the physical address and contact information of the company. You can then make a complaint with the Better Business Bureau or your local Attorney Generals office. You can also find out if any other complaints have been received for that company.

Chris Chenoweth writes articles pertaining to health and nutrition, budgeting, and online business. If you would like additional information regarding work at home opportunities, learn how to earn a respectable income every month from legitimate online companies. You ARE required to put in some work but there are no hidden fees or investments required and you can start immediately: http://www.ezniche.com/data/article.php?l=352Alysa Blog80769
Alyce Blog12872

Stay at Home Moms and Dads; Let's Make Money from Home!

I am always advised by some of my friends and relatives that I'd better to find a job and spend some time out of home. I really don't know why they advise me to do that while they are not happy with their jobs, getting up early morning everyday, taking the kids to daycare or leaving them with the babysitter and ... . The worst part of their life is the money they make with their full time jobs. The luckiest one can have 10 bucks per hour after paying tax. They also have to pay for gas and other expenses that their cars have every month.

So what advantages does working out of home have for them? Why do they encourage me to do something that they are not happy with it? The advice I always give them is much better. I advise them to stay at home and let their kids grow under their nose. They don't know how pleasant it is when you see your baby takes his first step or says his first word. Most of them are used to hear these news from their babysitters.

You may be a mom or dad with the same issues and problems with your full time job. I don't want to ask you to quit your full time job right away, stay at home and think about working from home. I always try to teach people on my weblog and articles to be broad-minded and not to make any limitation for themselves. They can use their extra time they will have when their kids are slept or at the weekend to find some extra streams of income. Even if you don't need to make any more money and you are happy with your current income but sooner or later you will need some more money. Your children will grow up and there will be many new things that you will have to provide for them. So it does worth if you spend some of the time you are used to spend to take nap or watching TV on finding good ways to create some new streams of income.

But how to get started?

1- First of all please keep in your mind that I do not want to tell you that you will become rich by working from home in a few weeks or even months. In fact you have to avoid all the get rich quick programs. I emphasized on this because I know as soon as people decide to try a working at home business, they turn on their computers, look for a easy work at home job that fits stay at home mothers or dads. It is the time that they can be cheated by scammers. So this is the first thing that you have to take into consideration if you want to work at home and make some extra money.

2- You need to get organized for spending some time on this business every week. This is like other businesses. Only serious and organized people can succeed. If you are a person who starts several businesses and becomes interested in different things but gives up at the first steps or if you become interested in different things just because one of your friends or relatives calls you and talk about it for a few minutes and then you lose your interest even before trying, just because one of your other friends calls you and says she doesn't like it because of this and that, then you have to change yourself before you start a work at home business and become a stay at home mom (or dad).

I have been working from home online for many years. I could achieve to refer 22,000 people to one of the legitimate work at home programs and teach them everything that I knew but only few of them could make money. Not that it was hard to do. It was not hard because I could do it and a lot of other people could do it before me. Just because they were not serious and organized. They had not made a serious decision. This is the most important step. If you decide seriously and then take action and don't give up, you will be able to become a successful stay at home mom who not only enjoys being with her family and children - and of course her children enjoy her presence at home - but can make reasonable amount of money.

3- Improve some of your computer skills. You don't have to be a rocket scientists to work at home but you need to know the basics of computer and internet. When you want to work online and through the internet, you will be dealing with these terms very frequently:

- website
- weblog
- web directory
- email
- link
- search engine
- search engine optimization
- electronic newsletter or ezine
- autoresponder
- forums or discussion boards
- internet marketing
- advertising
- email advertising
- banner and banner advertising
- pay per click advertising and pay per click search engines (PPC)
- joint venture
- link exchange
- domain registration
- web hosting
- auction websites; e.g. eBay

Do not scare if you have not heard about some of the above terms. They are very easy. Soon you will know that working from home and through the internet is much easier than what you thought.

Just open one of the main search engines like Google and enter any of the above terms that you are not familiar with. You don't have to learn in detail. Just the basics is enough for getting started.

4- After improving your knowledge, decide what you want to do to make money. There are zillions of ways to make money from home by using your computer. You will have main options:

- Sell your own products or services
- Sell others' products or services

Don't think that you have to have a factory for having a product which can be sold through the internet. Your product can be very simple things from candle, wooden cross and ... to your articles, cookie recipes and e-books.

It is also as easy as 1, 2, 3 to promote others products and earn commissions. There are thousands of affiliate programs that you can join and become able to promote thousands of different products. Some affiliate programs pay as much as 75% commission to the affiliates.

Good Luck!

===============================

Copyright 2006 Judy Taylor. She is a stay at home mom who has been working from home since 2001. Visit her new weblog: Stay at home mom.

Judy Taylor is a stay at home mom who has been working from home since 2001. She has created a weblog to keep in touch with parents easier: http://i-am-a-stay-at-home-mom.blogspot.com.Andreana Blog20792
Allis Blog30938

Santa Needs You To Save The North Pole!

Santa here - I need your help! The North Pole is starting to melt. Before long I may have to move house which will be hard because a rise in the sea level of 4 inches or so will put most of the planet underwater!

Lucky for me I have good people on my nice list like Richard Branson who has pledged to donate $3bn to help fight global warming. But that won't be enough!

We all have something called a carbon footprint. It's a way of measuring how much damage you cause to the environment through the car you drive, the type of paper you use, even the food you eat! If we all work together to make our carbon footprints smaller then we can help save our planet.

Some selfish people don't consider Global Warming an important issue. English TV presenter Jeremy Clarkson for instance, openly boasts about leaving the water running whilst cleaning his teeth. (It's a good thing he knows where the tap is because chances are, he'll be needing it to wash the coal off his hands on Christmas morning) but here in the North Pole, I have an up close and personal perspective on our planet's rising temperatures.

I'm taking off the red and white suit for the day and donning a green one. Almost everything we do has an impact on the environment but some choices are better than others.

My scientist boffin elves have come up with a list of things we can all do. Following even just a few of these suggestions could help you get a place on Santa's Nice list.

1. Ride a bike. There are lots of reason to do so. Car emissions = a big carbon footprint, bike emissions = no carbon footprint and if you're not old enough to drive yet, then spending time on your bike rather than watching TV or playing on that Playstation will still save electricity. Then, there are benefits in terms of happiness - exercise not only gets you fit, it makes you happier too. Bikes are cool.

2. Use organic toiletries, brands like Dr Hauschka, Lavera and Spiezia have organic make-up and soaps.Check out SoOrganic.com for a thorough listing.

3. Buy your clothes from companies like new English designer http://www.queenofsuburbia.com who has a range of cool slogan t-shirts, that use organic cotton and still keep you looking cool. The chemicals and pesticides used to grow non-organically grown cotton account pollute waterways, kill wildlife and damage human health. Cotton is also a really thirsty crop and takes up valuable water supplies in developing nations. Also try gossypium and americanapparel for more fashionable, affordable and environmentally aware clothing. For shoes, try Beyond Skin or Fair Deal Trading

4. Take a good look at your bank. If you don't want your money funding a dam-building project or buying missiles for a small African nation then pick an ethical bank. Switch to the Nationwide Building Society or the Co-Operative bank.

5. Turn things off - not put them on Stand-by. In the UK alone 8% of energy supplied to UK households is wasted by TVs, DVD Players etc being left on stand-by. Thats the equivalet of 4million tonnes of Carbon Dioxide every year. What's more, if we all switch off, our electrical bills will come down.

6. Shower rather than take a bath. A shower uses 35 litres of water, a deep bath uses 80 litres.

7. If it's yellow, let it mellow. Your toilet uses about 20-25% of the water you consume every day, cutting out the odd flush would make a significant difference to that.

8. Grow some tomatos or other vegetables. It's a fun thing to do with small children, they get the enjoyment of seeing something grow, you save money on groceries and Wal-Mart don't need to spend a fortune transporting fruit and veg thousands of miles over air land and sea in refrigerated units that are definetely not envirnmentally friendly! At the very least buy as much as you can from local producers especially your christmas dinner!

9. Recycle. Print on both sides of the paper, use the bottle bank, repair clothes, learn how to sew a button onto a shirt. Schools are always looking for paper for drawing - let them have some of yours from work rather than throwing it away.

10. Turn the heating down. Just one degree will make a difference and if you find that it doesn't make your life unbearable, try another degree. I live in the North Pole, I wear thick clothes and my thermost never goes past 20 degrees.

The best possible baby oil for your little one? Olive Oil. Take a tour of an eco-house, adopt an animal, there are a million things you can do. I've suggested ten, do five of them, heck just do one. You'll be saving the planet without having to wear your underpants outside of your trousers and you'll be closer to getting what you want for Christmas.

Remember to keep your moral compasses pointing at the North Pole!

Santa.

Santa Claus aka Father Christmas writes a blog at http://whoisnaughtyornice.blogspot.com/ in it he tells us who is on his naughty list and who makes the nice list.Alidia Blog86095
Ardath Blog30445

Admire the Beauty of Beaches at Outer Banks NC Vacation Rental

Outer bank of Carolina is known for its 100 mile long chain of beaches where one can feel beauty of nature and simultaneously can rejuvenate themselves from their daily steady routine. Outer banks of northern Carolina are famous for its beachfront and its temperate climate. An outer bank, North Carolina is not just place with sandy roads or sandy barrier island rather; it is the place much more than this, which is very difficult to describe in words. While moving on the beach front it seems like if these beaches are only waiting for us to come. Every year thousand of tourist visit outer banks for spending their moments while lying in the sun and enjoying various activities. And, the best and affordable way to sense the nature and beauty of outer banks is through outer banks NC vacation rental.

The reason as to why an outer bank NC vacation rental is popular and preferred way to accommodate is that it provides freedom of using the rental home as they feel convenient. It serves all the amenities of home which a hotel, motel or any other accommodation doesnt serve. Outer banks NC vacation rental is spacious and is multi roomed. On the other hand it is seen that any other accommodation often have a single room, in which the person can feel bit restricted and uncomfortable.

Outer banks NC vacation rental are designed in such a manner that the person can relax and can feel his home. In other words, he can either relax in the living room or bed room or can even spend his time by taking view of the beach from his terrace.

Most of all, outer bank NC vacation rental also provides the person with fully furnished kitchen where he can cook his favorite food and cuisines for his friends, family and partner. Usually, the vacation rental is also furnished with outdoor grills so that the person can enjoy his food while taking view of beautiful sunset. Due to the presence of kitchen at the rental home, the person is not required to stand in the long queues of restaurant.

Outer bank NC vacation rental is available in different size, cost and at different location. So, the person can choose as per his convenience and budget. There are varieties of outer bank NC vacation rental that is condos, villas, apartments, bungalow, and small cottages.

So, which form of outer banks NC vacation rental are you booking for your next vacation at Outer Banks, North Carolina.

Sylvestor Johnson is offering loan and rental advice for quite some time. He is working as financial consultant for ThinkRentals. To find Apartment rentals, Outer banks NC vacation rental, Cabin rentals, Condo rentals, Rental homes, Beach house vacation rentals that best suits your needs visit http://www.thinkrentals.com.Ashlie Blog94645
Aridatha Blog64217

Fix Your Credit With These 7 Simple Tips

Have you had problems paying your bills on time lately?

The fact of the matter is that you are not alone. More than 30 Million people in the U.S. have the same problems as you. Poor credit can be the primary cause for a severe inability to obtain credit cards and/or loans.

There is a solution to this problem and it is right at your finger tips.

Here are 7 ways you can fix and improve your credit score and obtain credit cards and/or loans at favorable rates.

1. Reduce your balance to limit ratio.

When a company is reviewing your credit, most of them will look at the amount of balances on your current accounts and compare that figure to the amount of total outstanding credit you have available.

EX. Total Balances = $10,000 and Total Avail. Credit = $20,000.

Now in this example your ratio would be at 50% which in most cases would be frowned upon by lenders. The ideal ration would be anything less than 30%

A good idea would be to pay off those low balance credit cards to get your balance to limit ratio under 30%

2. Cut back your credit card usage.

Even if you are the type of person who typically pays off your credit cards every month, it is a good idea to keep your balances below 30% of the available credit limit.

Even though you are paying off your credit cards monthly your balance is still reported to the credit bureaus.

One of the best ways to keep track is by using financial software like Quicken or Microsoft Money. Using these programs can help you stay below 30% of your available credit limits.

3. Know your limits.

In some cases, your credit card companies may not report your limits to the credit bureaus. This may cause a drop in your FICO score.

What happens is the credit bureaus will use your highest balance as an estimation of your credit limit. So if you spend between $3000 and $3500 on your card monthly then on the credit bureaus you will look like you are using more of your available credit limit than you really are.

In most cases, you can call your credit card companies and have them report your limits to the credit bureaus.

4. Use your older cards.

One of the most important factors in determining your FICO score is the length of time a card has been open. The older the account the better it will make your credit score look.

It is a good idea to use your older cards every few months just to make sure that the credit card companies continue to update your information with the credit bureaus.

5. Help from credit card company.

If for the most part, you have been a good customer, you can call your credit card company and ask them to remove 1 or 2 late payments from your history. Most of the time, this request has to be made in writing but it is definitely worth a shot. Your chances of success using this method increase the better your record with your lender.

If you have had more than just 1 or 2 late payments, then another option would be to request that your lender "re-age" your account. Typically, this is where you and your lender work out an agreement that if you make 12 or more consecutive payments on time, they will delete any previous late payments.

6. Disputing your old negative items.

So you had a disagreement with a company over a bill a few years ago, and it is still hurting your credit today. Disputing that bill as "not mine" is an option you could use to fix or improve your credit score. A lot of times, if the item is relatively small and old, the credit card companies won't bother to respond to the credit bureaus investigation. Most of the time, this will cause the item to be removed from your credit history.

I have seen success disputing negative items when a lender has merged with another company. The merger causes older debts to get "lost in the shuffle."

7. Concentrate on the important stuff.

There are certain aspects of your credit report that really affect your score. It is important to know what they are and to really focus your attention on these items to repair and improve your credit score.

Here is a short list of the item I suggest you focus on:

1. Negative items that are not yours (e.g. Late payments, charge-off, or collections)

2. Incorrectly reported credit limits

3. Anything not listed as "Current" or "Paid as Agreed". (e.g. Settled, paid derogatory, or paid charge-off)

4. Accounts that shouldn't be there due to a bankruptcy.

5. Derogatory items that are older than 7 years that should have dropped off. It would be 10 years if you have a bankruptcy.

You want to be careful with this one because as we discussed earlier. Having aged accounts actually improves your credit score, even if they are negative accounts. It is not possible to know the effect of closing an old negative account. You are kind of "rolling the dice" when you do it.

As you can see, these 7 ways will get you on your way to raising your credit score and lowering your interest rates.

Good credit is obtainable if you just hunker down and put your mind to it. Following the tips above will help you get out of the credit "dog house".

Mosiekk Conley is the creator of the "Quickly And Legally Improving Your Credit Score Video Ecourse" where you will learn 10 more easy ways to fix and improve your credit score yourself. To start receiving this course: http://www.fixyourcredittips.com/ecourseAlly Blog36346
Anne Corinne Blog79443

Save Fuel, Save Money

The prices of gasonline or petrol increase daily, wherever you live in the world. The price of a barrel of oil has quadrupled since the beginning of the millennium. It went from about $20 a barrel to almost $80 in these days.

The Reason to Save Fuel

The resources of fossil energy deplete. Oil has served as the backbone of the modern society. Gas and coal also have plaid an important role, but oil has prevailed. The book The Final Energy Crisis forecasts a dramatic development during the next years. They expect that the peak of the oil production will be achieved around the end of this decade and that the production will fall, although the demand will increase further. This means higher energy prices. Another source says that the oil reserves will be exhausted in about 43 years and the reserves of natural gas in about 64 years.

No Easy Going Alternatives at Hand

There is a lot of research going on worldwide in the field of solar power and hydrogen power. They will have to substitute oil, gas, coal and uranium in an intermediate term. Photovoltaic, wind power and power from biomass progress quickly. The process of transformation lasts decades. New solutions need time to step fully into the foot prints of oil.

The Urgent Task to Save Fuel

There is an urgent task to save fuel in order to prolong the use of the remaining fossil energies. Saving fuel is inevitable because the cost for fuel will increase further. There might be days of lower prices, but the general tendency is clear: up, up and up again.

Solutions are demanded in order to make the consumption of fuel affordable. Modern and already proven standards of housing construction show that 60% to 80% of the fuel can be saved.

Solutions for Money Saving Consumption Needed

Saving fuel in the field of traffic and transportation still sticks in the beginning. If the wheels have to turn further, fuel saving becomes highest priority. There are cars coming up with low fuel consumption or even bio-ethanol. Millions of used vehicles still are useful and they are driven for many more years. It makes sense, if there is a solution for used and new cars, trucks, motor-bikes etc. To save fuel also means to save money. Fuel Freedom International propagates such a convenient looking solution. This could be one solution among others, e.g. eco-efficient driving. Everything that helps saving fuel should be tested.

Lil Waldner is a business economist. She is experienced in project management and marketing. She has worked as an editor for several newspapers and she has written booklets and essays on economic and public issues. Recommended link: http://www.nowsavefuel.myffi.bizAudi Blog21346
Anthia Blog59310

Are You A Technophobe Too?

Well, I have to say the last few weeks have been very educational for me.

I never went to university (or college, depending on you location.) My family thought it quite strange, as even as a little girl I always had a thirst for knowledge.

In fact I was the geeky kid at school that looked forward to trips to the factory because it meant I got to see how things were made and what really made them work.

But Ive also always had a very strong work ethic.

From my teenage years I always wanted to get a job and start earning my own money. Even at 14 I knew that there was something different about the pocket money your family gave you and the cash that you could earn for yourself.

Well, now at the ripe old age of 27 I have finally began to put those 2 passions together and am teaching myself how to build my very own website which in turn will build me my very own income.

This seemed like a reasonably straight forward project when I started out. Oh, I knew there would be a learning curve and I knew also that there would be times when I felt a little out of my depth but thats ok I said to myself, because I like a challenge.

And oh boy did I get one!

You see up until about a year ago I was what could very easily be described as a technophobe. I had never had an email address, I didnt have a clue what an mp3 player did and I still dont understand quite how this whole World Wide Web thing works. But having said all that I have never before felt that there was so much free learning and such possibilities right a my fingertips, all available to me just at the touch of a button.

In the last few weeks what I have learnt been able to teach myself - about building my very own website has been nothing short of phenomenal even if I do say so myself ;-)

The thing is I know I still have a long way to go and I realise that there is so much more out there to learn but when I think back to the 26 year old girl who didnt have enough belief in herself to write an email and I compare her to the 27 year old woman who dedicates herself to the passions that drive her, Ive got to say: I cant wait for the rest of my journey.

They say a journey of a million miles starts with a single step. But I dont know if that is enough. I believe that our journeys start long before we start counting the steps, what we need to do is not to be afraid to keep on stepping even when the terrain is a little unfamiliar.

Believing in yourself and the things that you can learn to do is the very first step in working your way to your own future of success.

Anything I can do you can do better.

Denise Hamilton has had a phenomenal impact on Network Marketing out of the UK. Now you can learn what you need to know to succeed too http://www.HomeWorkersReview.com.Anabel Blog20665
Adrian Blog80678

A History and Background of Credit Cards

Credit cards work to make tremendous revenues to credit card companies, banks and retail sales. They do not however work the way they used to work for the customers that temporarily possess them. Many years ago when credit cards were invented and I was a young boy they were a means to finance household items considered necessary. These were things like washing machines and clothes dryers. Credit cards today have such a high interest that they are no longer attractive to purchase such items. Credit cards are primarily now seem to be used to hide and avoid indebtedness.

There is nothing really good about debt. Americans have been convinced by retail salesmen and the banks that to have good credit one must have a solid credit history through credit cards or credit accounts. A solid history means more than the fact that you have consistently made payments on time without failure. The credit card companies and the banks evaluate your spending tends, the debt load over time, your savings history, checking deposit history and actual check spending history. This personal information is felt by these institutions to be proprietary, belonging to the institution because of their unique methods of collection, rather than belonging to the individual who creates this activity.

A credit card, if it is the only credit card you possess, could start improving a portion of bad debt only if you liquidate your current debt in a steady, reliable manner. This will only show a history of reliable payment. As I have already stated banks and credit card companies are not interested only in your reliability, they want the "juice" off of the advanced credit you have obtained. This means they only want you if they can get their interest in a regular and steady manner. This is not the same as pay your debt regularly until it vanishes. They want you to remain indebted permanently but repaying them in a timely manner.

If you are debt free you may not be judged to be a good credit risk. This is the state that underage children and young adults find themselves whenever they attempt to secure a credit card. Simply stated, good credit doesn't mean what it did just fourteen years ago. The protections afforded the consumer since the Depression of 1929 no longer exist. The Financial Laws passed through Congress in 1992 allowed banks, insurance companies,especially health insurance companies investment firms to handle banking, insurance and investment operations. Laws passed after 1929 had prevented banks from insurance and direct stock exchange trading, likewise insurance companies could not pursue banking operations or stock exchange nor could stock exchange companies pursue insurance or banking operations. This freedom was granted without the subsequent protections of the consumer included in these new laws. There currently exists no single body of consumer law. The private citizen must fight the triumvirate of bank,insurance and stock exchange through the court system.

Joseph Kenny writes for the Card Guide, a site where visitors can interest free balance transfers and also read the information on the credit card guide. Visit today: http://www.cardguide.co.ukAmara Blog70120
Anne Corinne Blog79443

Email Marketing Software - Is It Hurting Your Business?

Ten years ago I started my first online business venture out of the basement office of my home. I put together a Web site selling scrapbook products on my wifes suggestion that scrapbooking was emerging as a hot niche in the crafting industry.

Keeping up with the day to day chores of running my own business challenged me to manage my time wisely. Preparing my email newsletter each month consumed many hours of my time. I wrote the sales copy and made sure all the links in the newsletter worked correctly. Cleaning my mailing list of email addresses I dreaded the most.

I wanted to make sure that all unsubscribe requests got properly removed from my list. The software maintaining my list had no reliable way of accomplishing this task so I did it all manually. I broadcast my newsletter to my squeaky clean list but how much time did it take me to keep it that way? Answer: Way too much time.

Penny wise and pound foolish means being cautious with small amounts of money but careless with large amounts. What large amounts of money was I being foolish with? My time. Time is money and being cautious with my money by purchasing inexpensive email marketing software (penny wise) resulted in using way too much time (pound foolish) because the software woefully lacked features I needed.

Building trust and relationships is what email marketing is all about. A big part of that trust is built upon how well I managed my subscription lists. When someone on my list asks for removal, I want to respond accordingly. Not complying with these requests puts my business reputation at risk. But there are additional concerns.

Domain registrars are taking spam complaints more seriously and many openly provide complaint forms on their Web sites. Too many complaints reported to my domain registrar could give them reason to disable my domain. I didnt want to have my thriving online business suddenly brought to a standstill because my domain got shut down.

Also, the CAN-SPAM Act of 2003 dictates that email sent to the requestor's email address must stop within 10 business days. Each violation of CAN-SPAM provisions is subject to fines of up to $11,000. Ouch!

After several software trials, I found that Mailloop 7 from Internet Marketing Center met my needs of processing subscribe and unsubscribe requests automatically through a list of filters and rules. Now I maintain as many lists as I need to keep up with the demands of my business. But most important, I will never again worry about marketing to anyone who unsubscribes from my list as the software automatically maintains a Master Unsubscribe List to make sure of that.

Another part of my online marketing strategy is using an autoresponder to cut down on the daily chore of answering frequently asked questions. Though Ive provided the answers in a convenient FAQ, I still get email inquiries on a daily basis.

Autoresponders use my customers' desire for instant gratification to my advantage. A single autoresponder frees me from the tedious task of responding to each and every requestsuch as manually sending out purchase confirmationsgiving me time to focus on more profitable areas of my business. But that's not all.

Unlimited sequential autoresponders enables me to send a personal response instantly; and then a personalized follow-up message a few days later; and then a friendly reminder a week later; and on and on! Using this method of communicating with my customers greatly increases my sales.

Cheap alternatives for email marketing abound on the Web but the question remains: "Are you being penny wise and pound foolish?" Think of a carpenter who frames houses for a living. Is he using a hand saw or a power saw? Is he using a hammer or a nail gun? If the carpenter doesn't take advantage of the tools of his trade that will boost his productivity, he will soon find himself looking for a new career.

If you are still using inferior software to help you maintain your subscriber lists, it's likely that you're wasting lots of precious time trying to maintain a competitive edge in your field. Find a robust software solution that is well worth the money invested in its cost. Compare it with other email marketing solutions in its class. Ask if it has spam checking, statistical reporting and my favorite, unlimited autoresponders. If you do your homework and invest in good software, you will save hours and hours of time that could be better used in more important matters of your businessand you wont be accused of being penny wise and pound foolish.

Geoff Charles has over ten years online marketing and Web promotion experience and currently runs NetTopSites.com, a free advertising venue for Web sites. Read his review of Mailloop 7 for automating Internet marketing campaigns. http://www.nettopsites.com/mailloop.htm.Anitra Blog34146
Aurilia Blog88629

How to Stop Spending Your Hard Earned Money

Answer these questions:

a. Does your spouse or partner complain that you spend too much money?

b. Are you surprised each month when your credit card bill arrives at how much more you charged than you thought you had?

c. Do you have more shoes and clothes in your closet than you could ever possibly wear?

d. Do you own every new gadget before it has time to collect dust on a retailers shelf?

e. Do you buy things you didnt know you wanted until you saw them on display in a store?

If you answered yes to any two of the above questions, you are an impulse spender and indulge yourself in retail therapy.

This is not a good thing. It will prevent you from saving for the important things like a house, a new car, a vacation or retirement. You must set some financial goals and resist spending money on items that really dont matter in the long run.

Impulse spending will not only put a strain on your finances but your relationships, as well. To overcome the problem, the first thing to do is learn to separate your needs from your wants.

Advertisers blitz us hawking their products at us 24/7. The trick is to give yourself a cooling-off period before you buy anything that you have not planned for.

When you go shopping, make a list and take only enough cash to pay for what you have planned to buy. Leave your credit cards at home.

If you see something you think you really need, give yourself two weeks to decide if it is really something you need or something you can easily do without. By following this simple solution, you will mend your financial fences and your relationships.

Written by http://www.diyconservatories-and-windows.co.uk/ of http://www.digital-view-web.co.uk/

Neil ParnhamAnjanette Blog83602
Annmarie Blog33952

Working Mothers - Stay At Home, And Make Money

A father of two daughters, I am blessed with joy, laughter and tears brought by these little angels. I once had someone told me, We dont make our children, we merely received them from the Creator. That made me think about the new responsibilities I will now have to oblige!

Life in the modern times of fast pace and demanding changes is by no means easy for working mothers, as they try to balance work and time with the closest thing in their new life - their baby. Whether you are a single mother or otherwise, it does demands good time management, and a great deal of energy to keep up with the work and family. For the many mothers who has or is going through this, would understand.

Time spent away from the child, does harbors concerns beyond the money factor, like welfare of the child, psychological and physical well being. Also, thinks of the things that they could be missing, their babys first word, the first stepthings that will only come once our life time, those sweet valuable moments.

The sacrifices many working mothers made are the most noble, in my view, striving to improve the quality of live for their family. The need for financial stability and independence is obvious, but so are the solutions available to help these women achieve a best of the both world. One can now have the opportunity to work from home, with the help of technologies. A revolutionary industry has sprung up all across the world with the help of the Internet. This has been proven to help many mothers stay at home while they make unbelievable amount of money on line. The new found knowledge has help many women achieve financial success, sometimes even over shadowing their male counter part or spouse. The ingrained motherly nature actually makes a woman more focused and committed to realize their goals. Such is the portrayal of the power of Motherly Love, to protect and defend its young.

Humans adapts, in the new world, there will naturally be new ways to make money, be it full or part time. But the duties and cycle of life is ancient and unchanged. So, working mothers, you can be also be staying at home to enjoy the best of both worlds.

ATaneh (Anthony Tan) is helping people using simple and effective ways to personal development and wealth creation using the Internet. Proven methods which are easy to understand, even a 14 year old can do it.Amity Blog78161
Adriaens Blog22778

Marketing Research Before Putting Up A Small Business

Whether you are starting or planning to put up a small business, it is important that you have the latest market information. It will provide you significant data that are helpful in solving marketing problems. If ever your business encountered such difficulties, you can easily take immediate action about it.

A thorough market research will serve as your business foundation for achieving success. In fact, there are two strategies that are effective when doing market surveys. One is the market segmentation which helps you identify specific segments in the market. Another is the product differentiation which helps you create the identity of your own products and services which make it unique from other competitors.

There are different methods that you can use for doing market research. It includes experimental, historical, survey, or observational method. Regardless of the methods used, you will still be gathering two types of important data.

The first is the "primary" data which you can obtain alone or let someone gather it for you. There are two types of gathered information here.

1.Exploratory research will help you in defining specific problems. It usually involves detailed and unstructured interviews wherein lengthy answers are provided by a limited number of respondents.

2.Specific research has a broader scope yet expensive. However, this helps in solving the problem that was identified through exploratory research. The interviews are formal and structured.

When doing primary research, there are three basic avenues you can apply.

-Using direct mails. The tactics include brief and direct questions, direct addressee of the respondents, limited pages of questionnaires, attached professional cover letter explaining the survey, and enclosed reminder to respond. The drawback can be lower mail responses from the respondents.

-Phone surveys. This is more cost-effective compared to direct mails in terms of response rates. Phone interviews also allow a wider geographical range. It is also relatively inexpensive by using the cheaper rates at specified hours. The tactics include direct respondents confirmation upon contacts, constant flow of conversation, follow-up calls, and direct relay of information.

-Personal interviews. It can either be a group survey or a depth interview. Group survey is mostly used by big businesses as a brainstorming tool to obtain information on new products and product modifications. Depth interviews are done with a ready made checklist.

The "secondary" data are those that are already organized and compiled for your own good. Examples include studies and reports done by trade associations, government agencies, and other business industries. You can take advantage of this useful information. This is categorized into three different areas.

-Public sources such as public libraries, business departments, and governmental departments. This is the most cost-effective way of finding information. It can be sometimes provided as free with lots of better information to offer.

-Commercial sources such as trade and research associations, financial institutions, corporations being traded publicly, and banks. This can be costly since association fees and subscription fees are involved. However, it will cost less if you hired a team to research and collect the information for you.

-Educational sources. This source of information is sometimes overlooked. However, more research is conducted in polytechnic institutes, colleges, and universities compared to a business sector in the community.

The steps to success always start on the basics. Just choose the best market research technique that will meet your business needs.

Mario Churchill is a freelance author and has written over 200 articles on various subjects. For more information checkout http://www.ideacenter.com and http://my-updates.info.Audry Blog27364
Allie Blog69897

Online Poker

Do you like to play poker? If so, you probably get together with your friends a couple times a week in order to compete. Even though this can be a lot of fun, it may not allow you to get your fill. If this sounds like a problem that you are having, the best thing you can do is look into online poker. This may seem a bit out of the ordinary, but the fact of the matter is that online poker has become quite popular. It may not be exactly the same as playing in person, but there are many benefits that you can take advantage of.

The most obvious reason to play online poker is that you will be able to take part in games whenever you want. Even if it is the middle of the night you can sign into your account and play a couple of hands. Since online poker has become so popular there are people from all over the world that play. This means that anytime you want to get in a game you can; no questions asked. This is something that definitely does not hold true if you are used to only playing with your friends.

Another huge benefit of online poker is that you can test your skills against the best of the best. When you play against your friends every week things can get easy because you know their habits and style. But when you play online poker you will always be matched up against new players that will be challenging you. This may be a bit intimidating at first, but over time you will grow to become used to it. In no time at all, the top notch competition will turn you into a better player. And of course this will turn into more money in your pocket.

And do not forget about the money that you can win with online poker. Even though you can win a lot of money playing at land based casinos, this is not a viable option for every poker player. When you play online poker you will be able to win in two different ways. You can simply join an online poker room and play a couple of hands. Or you can buy into a tournament; this is where the big money can be made. There are some online tournaments that offer payouts in the tens of thousands of dollars. Can you imagine winning that pot?

All of these benefits are for not if you do not know where to play. Luckily, there is a lot of help online. You can choose an online poker service by researching on your own, or you can get help from a third party site such as www.onlyprofitgambling.com. When you rely on a third party site you will be able to get a lot of information on different services, as well as their pros and cons.

If you like to play poker and have not taken advantage of the online version, you may want to do so today.

James BlackAdelind Blog58430
Althea Blog92600

Al East MLB Tickets - For Most Teams, Its Time To Plan For 2007

As we near the end of the race in the AL East, MLB tickets to games in Yankee Stadium are taking on a whole new meaning, as the team is getting close to clinching the division. As for the other teams, its time to look towards next year, as none of them are going to qualify for the postseason in 2006.

New York Yankees

Currently:

The Yankees have all but closed out the division race with a 19-10 record over the past 30 days. The team as a whole has come together, and although Derek Jeter is getting a lot of MVP buzz, this is truly a team. Different players lead the team in BA, RBI, HR and runs scored, which means that their offensive formula is not only working, but its coming from several sources. That will be difficult to deal with in the playoffs for whichever teams face the Yankees.

Outlook:

With all their offensive punch and a pitching staff that includes Randy Johnson, Mike Mussina and Mariano Rivera, one of the best closers of all time, the Yankees have to be considered the favorites to win it all at this point.

Boston Red Sox

Currently:

One would figure that Red Sox fans would be patient with their team after finally winning a championship in 2004, but thats far from the case. 2006 has been a bitter disappointment for Red Sox nation, and blame is being heaped upon everyone from GM Theo Epstein to everyone else associated with the roster. In truth, injuries and a lack of pitching killed this teams chances, and their collapse over the past month has sealed their fate.

Outlook:

They are the Red Sox, and they will be back contending in 2007, as they are every season. They need pitching and defense, as they have all the firepower they need.

Toronto Blue Jays

Currently:

Although the Blue Jays are out of it for 2006, one cannot be disappointed with the season theyve had. Unless the bottom completely falls out, they will finish with a winning record in an extremely tough division. They have a core of very good players, including Vernon Wells, Reed Johnson and star pitcher Roy Halladay, and theyll be more seasoned and more ready to challenge in 2007.

Outlook:

The team needs to add to its pitching staff to complement Halladay. If they can lower their staff ERA, theyll be tough to handle next season, and MLB tickets will be snapped up by Torontos loyal fans.

Baltimore Orioles

Currently:

Its been another year and another disappointing season in Baltimore. Sadly, this has become the norm for this team, and it may be time to shake things up in a big way. The Orioles have once again spent big money on their players with no results of note. Miguel Tejada has had a great year, but thats about it for this team.

Outlook:

Perhaps its time to blow the whole program up and start from scratch. Attempting to out-spend the Red Sox and Yankees has not worked.

Tampa Bay Devil Rays

Currently:

The Devil Rays ought to be used to the cellar, and at this point theyll have to hustle to even match their win total of 67 from 2005. This team appears to have no clue how to build a winner, and the fans of Tampa are tired of watching a perennial doormat.

Outlook:

It may be asking a lot at this point, but local fans need to be patient. The Devil Rays do have a lot of young talent in their farm system, and if they mature, MLB tickets will become relevant in Tampa.

Written by Jay Nault, sponsored by http://www.stubhub.com/ . StubHub sells MLB tickets: http://www.stubhub.com/mlb-tickets/ , sports tickets, concert tickets, theater tickets and more to just about any event in the world.Anjanette Blog83602
Ann Blog73831

Tips on How to Teach Your Kids to Save Money

A lot of teens nowadays do not understand the value of earning and spending money. They were not oriented that investing is necessary even if they are still students. As parents, you play a crucial role in this area.

You should be able to teach your kids on how to save money. They should be able to understand the concept of money and investment as early as childhood. This will prepare them to learn money management, as they grow old.

Here are some tips on how you can teach your children how to save money:

1. Your children should be educated of the meaning of money. Once your children have learned how to count, that is the perfect time for you teach them the real meaning of money. You should be consistent and explain to them in simple ways and do this frequently so that they may be able to remember what you taught them.

2. Always explain to them the value of saving money. Make them understand its importance and how it will impact their life. It is important that you entertain questions from them about money and you should be able to answer them right away.

3. When giving them their allowances. You need to give them their allowances in denominations. Then you can encourage them that they should keep a certain bill for the future. You can motivate them to do this by telling them that the money can be saved and they can buy new pair of shoes or the toys they want once they are able to save.

4. You can also teach them to work for money. You can start this at your own home. You can pay them fifty cents to one dollar every time they clean their rooms, do the dishes or feed their pets. This concept of earning little money will make them think that money is something they have worked for and should be spent wisely.

5. You can teach them to save money by giving them piggy banks where they can put coins and wait until they get full. You can also open bank accounts for them and let them deposit money from their allowance. You should always show them how much they have earned to keep them motivated.

Money and saving is not something that is learned by children in one sitting. You should be patient in teaching them and relating the value of money in all of their activities. Children will learn this easily if you are patient and consistent in guiding them and encouraging them in this endeavor.

Norleen GrayAimee Blog95352
Aimee Blog95352

Making Money Without Traffic?

Through the ages men always looked for ways to make more money. Usually this entailed working very hard, or doing a lot of illegal things. The internet truly changed the face of money making opportunities forever. For probably the first time in the history of the world you are able to make money sitting at home the whole day. The Internet opened up brand new ways of increasing your own personal wealth.

Affiliate marketing is probably one of the easiest ways to increase your monthly income, as I am currently doing, and it is open for anybody with a computer and an internet connection. Even people without their own website are able to make extra money being an affiliate. In short affiliate marketing means that you advertise someone else's product and introduce new buyers to their products. For your trouble you are usually paid a percentage of the sale, sometimes up to 75 commission of a $40 sale means you pocket $20 for very little trouble on your side. The wonderful thing about affiliate marketing is that you can make money literally even while you are sleeping. But, there always is a but somewhere, what you seldom hear is that you only make money if you are able to get sellers to the product. In other words, without targeted traffic your changes of making money are extremely slim.

One of your primary concerns is getting good traffic to your site, either by making use of Pay Per Click Advertising like Google Adwords or building your own site and optimizing it for Search Engines. Just a word of warning: Google Adwords can be very expensive if you do not know what you are doing, but it is definitely the fastest way to get traffic. Take a look at my site for some resources available to help you with Google Adwords. On the other hand, building and optimizing your own website can be very cheap, but getting traffic can take some time.

If you want to be successful in affiliate marketing, and thousands already are, you must learn to use the tools available. Do a search on some search engine for Adwords, Affiliate marketing and SEO (or search engine Optimization) and learn a bit about this highly competitive, but extremely lucrative and interesting opportunity. You can also visit my site and learn more about some very good opportunities. Just always remember that in this game numbers make the difference between success and failure. Without large numbers of targeted traffic you will find it difficult to make real money. It will pay you to invest some time in learning about getting targeted traffic first.

SJP Babrevian had discovered Online Money Making Opportunities and it blew him away. He is absolutely taken by how easy it is. http://www.onlinemoneyportal.comAtlanta Blog83706
Alyce Blog56982

Cash Loans Available For Lawsuits

In a world where legal action and lawsuits abound, there is cash relief for victims of car accidents, personal injury, workers compensation, etc. in the form of a cash loan against their pending lawsuit.

A cash loan offers plaintiffs a way to finance their day to day living expenses with cash they will eventually claim against the outcome of their settlement. Many times those injured in accidents are the sole breadwinners. When their health and mobility is compromised, theyre unable to pay their bills.

Their options are limited: they could borrow from the bank, but the bank expects a monthly payment on a cash loan; they could max our their credit cards, but still, a check needs to be sent every four weeks to cover the costs; they could get a cash loan from friends and family, but that has the capacity to strain long-formed relationships. When there is no money to make monthly payments, plaintiffs lapse into a crisis situation where a cash loan is essential!

When a cash loan is needed, help is available. By taking a cash loan against their pending lawsuit, plaintiffs can ease the strain of financial burden and not be out of pocket with money they dont yet have! Best of all, the cash loan is non-recourse. If the plaintiff doesnt win their lawsuit, they dont have to pay anything back.

For most plaintiffs, a cash loan has saved them from losing their homes, helped them pay their medical bills, and kept them out of bankruptcy. A cash loan against ones lawsuit is a little known service and plaintiffs need to understand that theres a place to turn in their time of need.

For more information visit http://www.OasisLegal.com

With a strong creative writing background, Lisa Colangelo has spent years in the marketing department at Oasis Legal Finance. Through writing press releases, articles, newsletters, web site copy and other creative pieces, Lisa continues to inform the corporate and private sector about the benefits and importance of litigation financing.Audra Blog50618
Alayne Blog79216

Avoid Being Scammed With Work At Home Opportunities

Working at home is something that many people are interested in, but few actually attempt because of the fear that all of these opportunities online are scams. However, there are many legitimate ways to make money online and we are going to outline in this article how you can make money online and protect yourself from being scammed.

Working at home online is expanding rapidly as is the Internet. There are thousands of options for net entrepreneurs who make money through creating web sites, offering web services, or selling products online. The market has expanded rapidly over the past few years as the Internet has grown and there is something that everyone will be interested in and profit from.

What Are Scams

Unfortunately, there are a number of people on the Internet that are out to scam you and take your money without giving you any value or what they promised. This is a real threat that prevents many people from pursuing creating an online business but is one thing that you should not let bother you. The key is to be careful with whom you deal with online and to do your homework before you make a purchase. The key is to identify the scams before you spend any money.

How to Identify the Fraudsters

Identifying the scams is very easy. You just need to make sure you get a number of unbiased reviews on the company or individual you are dealing with. A great way to get this information is to search the web on the company you are looking to make a purchase from and check what other users are saying about them. Make sure you are getting these reviews from an unbiased 3rd party or your information will be incorrect which could lead you directly into a trap. Use Google or Yahoo! to get the information you need quickly and for free.

You should also be sure to check the latest reviews on forums as they are the best place to get multiple reviews quickly.

Identifying scams will only take you a few minutes and could save you hundreds or even thousands of dollars annually. Pretty soon, you will be able to identify the scams and help others save their time and money.

Places to Report Scammers

When you do read about somebody getting scammed or get scammed yourself, get back at the company and protect others by reporting them. You can report them to the FTC, Federal Trade Commission, so that they can deal with the matter legally, but be sure to visit forums and other online communities with users who may be interested in the product that the scammers offer and are subject to their trap to warn them about the scam so that they can save their time and money. After all, others are doing the same thing for you so you might as well return the favor. Reporting the company to the BBB or Better Business Bureau is also a good option. Just be sure to let others know of your experience.

Getting Refund from Scammers

If you do get scammed by scammers, be sure to get your money back. One good thing about online payments is that you do not have to use cash to buy products, but rather, must go through a third party payment gateway such as PayPal or eGold among others. These systems are well aware of the scams and do everything in their power to get the money to its rightful owner. So, if you have been scammed by someone online, be sure to make every attempt to get your money back. Contact your payment gateway support team or credit card issuing bank, tell them about your situation and open a dispute. They will take the time to look into the matter to assure that the rightful owner is awarded the money that they lost.

Legitimate Ways to Find Genuine Work At Home Jobs

There are legitimate ways to make money online, just be sure that you do not fall into any sort of trap. Always deal with reputable companies over other unknown programs and be sure to be very careful in what your purchase and who you purchase it from. To avoid scams, put the time that is required to research the company you are dealing with and be sure to get multiple opinions from multiple unbiased sources so that you can be sure you are not getting scammed. Also, check the BBB, Better Business Bureau, records to get official information about the company you are dealing with. If you are dealing with an individual, be cautious and make sure that they have a good reputation as you will not be able to find many reviews or anything in the BBB or another official resource.

Last but not least - Do your homework and you will be fine in your online endeavors.

Vijaya Kumar is an online business entrepreneur with 5+ years experience. He currently administrates several successful websites including http://www.makemoneyfromonlinejobs.com/ and http://www.bestonlinejobs4u.com/ which provides a scam-free database of online money making opportunities.Ashlen Blog49726
Amity Blog78161

How to Make Money From Blogging

Blogs are a great way to share facts, ideas and opinions directly between people, but also, they are a viable way to earn money. In fact, earning money with blogs is something just about anyone can do. Making money with blogs is completely dependent on your audience and youre ability to attract people to click on the advertisements. Blogs are simple to set up, and relatively easy to update. As many as 75,000 blogs are created every dayalmost one per second!

If you are looking to start making money on the internet and you have a budget that is very small or zero, blogging is a great way to get started. You can set-up a free blog and join advertisement programs for free. The only cost involved in setting up a blog is your time.

Although there are many factors involved in making money with your blog, there are a few vital keys to remember when setting up, maintaining and promoting your blog in order to achieve success.

1. Your blog needs to have the right layout in order for your adsense ads to be clickable by visitors. Choosing an advertisements location, size and color is very important and is something you will need to constantly test and tweak to determine which formats produce the most clicks. Its amazing how one small change can produce monumental results. There are also many other ways to make money with your blog than with adsense alone. You could promote affiliate products and implement contextual advertising such as Kontera.

2. Your blog will need lots and lots of traffic. This is really a no-brainer, yet its the greatest challenge of any website owner. The encouraging reality is that there are more ways to generate traffic for your blog than ever before. This is due to the emergence of Web 2.0 sites like YouTube and social bookmarking sites. Many of these sites provide great sources for one-way links to your blog. Getting hundreds, even thousands of quality links is a must if you expect significant traffic to your blog. There are also many SEO tools on the market now such as directory and article submitters that will help you get thousands of backlinks to your blog quickly and save lots of valuable time.

3. Your blog will need to be updated frequently. You cannot expect return visitors if your blog is not a source of fresh information. You can use RSS feeds to provide your blog with relative information, however you will need to add personal posts as well at least once or twice per week. This will increase your blogs search engine rankings and also help brand you as an expert in your niche.

Blogging is a great way to share your thoughts and ideas online, but its also a powerful money-making tool. Making money with blogs is fairly simple if you know what to do and if youre willing to invest the time and effort necessary to make it profitable.

Scott Brooks is a successful entreprenuer with over five years in internet marketing. For a FREE, comprehensive guide that will teach you everything you need to know about making money with your blog, go to http://downloadsuniverse.com/make-money-blog.htmlAlene Blog35724
Audra Blog96839

Bad Credit Secured Loans Offer Money At Low Rates

In the present day scenario, borrowers with bad credit are provided with ample opportunities to improve their financial status. To avail the maximum benefits, even if collateral is required to be pledged, it is completely worth it. This can be done through bad credit secured loans.

Bad credit is a situation in which there is a default in the credit history of the borrower. This may be due to any of the following:

* Defaults
* County Court Judgments
* Bad credit score of less than 580
* Arrears

Bad credit situation of borrower can arise due to various factors like bad credit in past, long time illness, loss of job, regularly shifting job or address, defaults in the payments, lavishly spending money, defaults while dealing with several loans for personal needs etc.

The borrower can make the bad credit loan secured by pledging collateral with the lender. The collateral can be any asset like car, house, stocks, and bonds etc which hold some equity value in the market. The bad credit secured loan is approved based on this equity

With http://www.badcreditloansinformation.com/, the borrower can fulfill any requirement that he has like debt consolidation, home improvement, a vacation, educational expense, wedding expenses, etc.

An amount of 5000-75000 can be borrowed through bad credit secured loans. This amount is required to be repaid to the lender in a term of 5-25 years. The interest rate is low even for bad credit borrowers as there is attachment of collateral with the bad credit loan.

A search for bad credit secured loans can be conducted online. There are numerous lenders present in the online market who are ready to offer to money at low rate to borrowers ready to place collateral. So a thorough search can help a great deal in obtaining a loan.

Bad credit secured loans are the best way for a bad credit borrower if he wants a low interest rate and a good repayment term for the bad credit loan.

Carmen Cortez is a specialist advisor of every type of business loan and currently working as Bad Credit Secured Loans. For further details of bad credit secured loans, bad credit personal loans, bad credit loans uk, loans in uk, bad credit secured loans uk, bad credit unsecured loans uk you need to visit http://www.badcreditloansinformation.com/Alane Blog63085
Alethea Blog12064

The Mysterious World Of Auto Leasing

Auto leasing and the marketing thereof have been somewhat under the radar the past few years due to very low interest rates offered up by lending institutions. For most, the allure of leasing a car has been the advantage of lower monthly payments. With the low financing rates, this advantage has been shifted to traditional financing.

The world of car leasing has a long history of being somewhat less than straightforward. Even now one can find some pretty good deals out there, but the financial process around leasing a car can still be more than a bit confusing. And its this confusion that can leave you with a less than warm and fuzzy feeling after your leasing transaction is all said and done.

So, in an effort to avoid or mitigate the confusion when it comes to auto leasing, lets take a look at some basics.

In auto leasing you are only paying for (in the form of monthly payments) the portion of the car that you use over the life of the lease (the part you use is how much the car depreciates). As part of your monthly payments, youll also be paying sales tax and finance charges.

Yes, finance or interest charges. In car leasing vernacular this is known as the money factor.

What determines how much of the car you will use is the cars residual value. The residual value is a predetermined number as to what the market value of the car will be at the end of the lease.

For example if a $20,000 car has a residual value of $11,000 at the end of your 36 month lease this means that you will have used $9,000 of this car; so your monthly payments will be based on $9,000 over 36 months. As you can see, the better a car holds its residual value or the higher that value is... the more favorable your monthly payments will be.

More often than not the money that you will need to come up with up front is your first monthly payment and a security deposit. Of course, you are more than welcome to put more money down (cap cost reduction) just like when purchasing a car; if you want to lower your monthly payments even more.

The cap cost or capitalization cost is another name for the price of the car youre looking at. And, just like purchasing, you can and should negotiate the price or in this case the cap cost of the car. In fact, I wouldnt even disclose the fact that youre considering leasing until youve negotiated and agreed on an actual selling price of the car youre looking at.

As you see, doing your homework is every bit just as important as and probably more so than when you are actually purchasing the car. Negotiating and leasing a car based solely on achieving a monthly payment is probably the number one reason consumers get stuck paying too much.

Cap cost reduction is almost always negotiable. If a dealer tells you that it is not or unwilling to do so they are plenty of other vehicles and dealers that offer and will.

We touched on the money factor which is the leasing equivalent of the interest rate. Are you getting the best possible money factor? Just like the purchasing side, the dealer can add points to a money factor just like they can to an interest rate in order to maximize their profit. This is why it is extremely important for you to know your credit score and at what interest rate you qualify for before you even set foot in a dealership or you could really get well made love to.

Many factory warranties on vehicles run for 36 months. This is a good reason not to be looking at leasing a car for longer than the factory warranty. In addition, once you get out past 36 months on a car lease, you rapidly start losing the advantage of the residual value since most depreciation occurs early on.

Lastly well, maybe not lastly when it comes to leasing but lastly within the scope of this article; if you have good credit, or perhaps have been a good or repeat customer, ask the dealer to waive the security deposit and/or the acquisition fee. First of all, they wont if you dont ask; and secondly this is certainly a fair request as part of the negotiating process. Worst case they say no. Best case... you save some more of your hard earned money.

Jeff Neilan's car dealer experience offers insightful car buying tips that save you time and money. Be sure to visit http://www.acarbuyersguide.com.Arleta Blog45629
Alli Blog34799

Ways To Save Money Grocery Shopping

Grocery shopping bills can really add up! Most people tend to wait until they get to the store to see what they need on a shopping trip, but that can add up to a whole bunch of overspending at the grocery store. In this article, we'll offer up some tips on how to save money when taking your trip to the grocery store.

- Before you leave the house to hit the supermarket, it can be a good idea to check your pantry and do a quick inventory so that you can see exactly what you need. Plus, if you have some odd ingredient hanging out in the cupboard, you can buy something to go with it when you go to the grocery store.

- Check weekly supermarket ads to see exactly what's on sale. Combine that knowledge with what you've already got in your cupboard, and you should be able to come up with some recipes for the week that incorporate what you already have and what's on sale.

- When you see something for sale that you already have, but you often buy, buy it anyway. When you buy things that you would buy anyway on sale, you're saving yourself plenty of cash in the future.

- Do your best to avoid making small purchases at places such as convenience stores. These smaller stores usually charge a premium when it comes to their grocery goods, and you can save a few dollars a week by just making one big trip to the supermarket.

- When you make a grocery list, stick to it. Do your best to avoid impulse buys, since they are usually unnecessary and costly.

- Red meat can be very expensive. If you're looking for ways to get your protein intake without spending a whole lot of cash, it may be your best bet to avoid red meat, opting for poultry, tuna, peanut butter, and eggs instead.

- When buying poultry, opt for whole chickens as opposed to breast meat. They are a much more cost-effective way of getting chicken.

- When you see something advertised as a sale, be sure that it is actually a good deal. Compare the product to similar products in the area to determine whether or not you'll be saving cash by buying the deal item.

Following these tips can save you a lot of money when it comes to your supermarket trips. Since the cost of foods can really add up, you may find yourself with some spare pocket money if you are a prudent and informed shopper.

Jonathon Hardcastle writes articles for http://lookwhosshoppingnow.com/ - In addition, Jonathon also writes articles for http://universeoftoys.com/ and http://iclothingcenter.com/Ailyn Blog37310
Aprilette Blog59249

Put Down Your Credit Score, Avail Adverse Credit Secured Loans

As you need, food, clothes and shelter to make a living, the same way you also need money in order to make your living a bit easier. And for that purpose, loans are of great help. But sometimes your bad credit creates problem in availing loans. Money lenders refuse to take risk by offering loans at a low rate. Adverse credit secured loans are one such option that offers loan despite your bad credit history. Read through and find how you can benefit from these loans.

Adverse credit basically offered to individuals who have a bad credit history. Bad credit history includes anyone of the following:

-Arrears

-Defaults

-Bankruptcy

-CCJ

-Late payments

-Poor credit score

If you have encountered any of these ever in your financial history, you will be said to have a bad credit history and are usually considered as high risk borrowers by the lenders. This is because they know that bad credit holders are themselves undergoing a financial setback and hence they might not repay a loan properly. Adverse credit secured loans are thus offered in a very reasonable and affordable rates so that you can easily repay.

In order to avail an adverse credit secured loan, you will have to put collateral against the loan amount. Collateral can be anything such as your house, car, real estate, jewelry or any valuable property. Since you are offering a security, the lender becomes assured that he will not lose his money. If you somehow fail to repay the loan amount, the lender repossesses your property and gets the loan amount back by selling the property. This is also the reason why lenders offer a good loan amount to you.

A bad credit secured loan can offer a loan amount ranging from 3000-75,000 and for a repayment term of 2-25 years. The interest rate depends upon the loan amount and the repayment that you choose.

Applying for an adverse credit secured loan is quite easy. With the coming of online borrowing system you can avail loan in the minimum time and with least hassle. You just need to fill an online application form giving few details about your credit history, employment proof, residential details etc. After submitting the form, the lender will contact you quickly and transfer the loan in your bank account.

Adverse credit secured loans are a fast and secured way to get money. Now your credit history can no more stop you from achieving your dreams.

Aldrich Chappel has been associated with FindSecuredLoan.To Find Adverse credit secured loans, secured personal loan, Secured home loan, Bad credit secured loan, Poor credit secured loan visit http://www.findsecuredloan.co.uk.Ailyn Blog37310
Amargo Blog40332

Finally, The Truth About Paid Surveys

One of the easiest ways to earn money online, as discussed on my website, is to use paid surveys. While not nearly as lucrative as affiliate marketing or auctioning on eBay, you can still make a nice sum of money with paid surveys.

The first thing I will say is that surveys will not make you an overnight celebrity or millionaire; it is simply a great way to put some extra money in your pocket without doing much work. One thing that irks me is when companies want you to believe that you can fill out a 5-minute survey and make 25 dollars. Let me tell you, I wish that were the case. Most surveys will take at least 20-30 minutes to complete and pay anywhere from $1-10 dollars. Yes, there are some $25-50 surveys, but they are not common.

But what if you were only to take the surveys that pay top dollar and forget about the lower paying ones? The problem with that is after you register with the survey company, you will need an invitation before you can take the surveyyou cant just choose any survey you want to take before you receive an invitation (if that were the case, everyone would only fill out $50 surveys).

Remember, you receive invitations according to your profile. And this goes for most of the survey companies.

As I mentioned earlier, the surveys you get invited to usually pay you anywhere from 1-$10 dollars. So common sense tells anyone that they will have to be registered with many survey companies to even make a decent amount of money. You dont have to register with all the survey companies all at oncea few registrations a day will suffice. With that being said, the more surveys you sign up for, the more chances you will get to make money.

Side note

Please dont feel disappointed in the beginning because of all the $1 surveys in your mailbox; keep on registering with quality survey companies until you start to see those $6-$10 (even $25) offers. After a while, if you keep filling out the low paying surveys, you will see more and more of the much higher paying surveys. Patience is very important in the beginning.

Why would companies compensate me for taking a survey?

The purpose of a survey is to gather peoples opinions on different products and ideas that companies continually come up with; this can be anything from item design to movie scripts. These companies need opinions from real everyday people like you and me to get insight on their products before they hit store shelves. And they are willing to pay us for our opinions.

Have a good time

Taking surveys, to me, is actually fun. It is not stressful and you can get make several hundred dollars a month doing itassuming that you do things the right way.

Not only is it fun, you get to see products, movies, and services before they are presented to the public. I actually completed a movie survey on Snakes On a Plane 5 months before its theatrical release.

Register with the best research companies

As fun as surveys can be, one problem that I found with taking these surveys is that not all of them are worth taking. This is why it is important for you to register only with quality research companies.

You can find some good paid surveys manually and it wont cost you anything.

On the other hand, you can join a paid database, like SurveyScout, that has all the quality paid surveys in one place. While some of the research companies in SurveyScout can be found individually for free, the simple setup, cohesiveness, and registration bonuses that SurveyScout gives you are more than worth the one-time fee they charge. I review SurveyScout on my site.

Here is your reward

Lets talk about what some companies actually give you when you successfully complete a survey. Many companies give you gift certificates, free music downloads, DVDs, and electronics; some will enter you into a cash sweepstakes upon completion of a survey (where you can win a portion of the prize money). You will usually know what you will get for completing a survey before you start (check your survey invitation for details).

Some people tend to decline these kinds of survey invitations because they dont pay in cash; but do not dismiss the non-cash prizes. At times, they are just as good as cash rewards. Say you get a free DVD player or another type of electronic device (MP3 player) as a prize; most likely you were going to buy one anyway, so why disregard prizes such as these? When a survey says you get a gift card or prize once its completed, dont dismiss it.

I think we are about ready to start

Now that we got some of the basics out of the way, you now know that paid surveys are a great way to supplement your income.

Lets move forward to the first rule

Rule #1: Create a separate email account for your survey registrations and monitor it everyday

Set up an email account with Yahoo so you can use it only for your survey registrations and invitations. Please do not use your main/primary email address when signing up for surveys. Often times, people are spammed if they are not careful when registering for surveys. This is the best way to protect yourself against spam.

Rule #2: Dont entertain any bonus offers when registering for surveys.

When registering for surveys, sometimes you will see all sorts of bonus offers from other products/companies; my advice to you is to hit the no, thanks button and continue on with registration. If you dont, you will most likely be subjected to spamthat is another reason why I recommend you open up a free email account with Yahoo or Hotmail: just incase you accidentally agree to one of these offers.

I have been a victim of this, where my name and email address were sold to a third party and I actually had to change my email address to stop the spam. No matter how legit some survey companies seem, some will still sell your information to third parties.

Rule #3: Dont join a paid database until you read this

You can find a good amount of paid surveys by doing simple searches for them for free. So the question is: why should anyone pay for something that they can get for free? In the beginning, I found several good paid surveys by doing some simple searches.

Being the lazy person that I am though, I still decided to join a paid database and have all the best paid surveys in one place. I felt more at ease selecting paid surveys from a paid database like SurveyScout because I knew every research company listed was a quality company that protected my information. The one-time price was very reasonable anyway so I didnt find it much of a burden. Some of my visitors use paid databases and love it because it makes everything a little bit easier.

Nonetheless, you can go either way when deciding between a free database and a paid database. Just be sure to know the difference between the two before you decide.

Rule #4: Dont lie about your contact information

If planning on receiving payment, you have to use your genuine contact information. At first you may feel a bit strange giving out some of your personal details, but in most cases your information is well protected. If you are not honest when you register, you cant expect to receive your payment. Dont waste your own timesign up with your real contact information. But be sure to register with a legit research/survey company.

Rule#5: Protect yourself; protect your information

This is really an extension of rule #1 on day one. But now we are going to focus on other security protocols. Always look for privacy policies and seals of approval to ensure your information is kept secret. When you see seals of approval such as the Better Business Bureau (BBB) on a survey website, you know you are protected and are dealing with a company that values privacy.

Rule #6: Dont fall for the promises of wealth

In my experiences, it is difficult to make a full-time income with surveys (thousands a week for example). But you can still make a good stream of additional income to help with your bills and expenses.

The amount of money you make can, and will, fluctuate because the amounts of surveys you receive are very inconsistent. For example, I had one month where I pulled in over $400 dollars and another where I pulled in $88. It all depends on how many surveys you fill out, your profile, time of the year, the research companies you register with, and much more.

While you can make hundreds of dollars a month taking surveys, it will not make you a wealthy man or woman. I use surveys strictly as a supplemental income to help with some of my expenses: car payments, DirecTv bill, DVD rentals, and clothing. For me, it really helps to have an extra several hundred dollars pouring into my bank account every month.

You can easily make a couple thousand dollars a year just by filling out surveys. But once again, if this is your goal, you must fill out as much surveys as possible. While you won't be a wealthy person just by filling out surveys, you can make a substantial amount of money if you constantly fill them out.

Bonus Tip #1: Fill out your profiles after you register. This will make your survey invitations more targeted and less general. This also increases your chance of be selected to participate in the next survey.

Bonus Tip #2: Use focus groups and product testing to your advantage.

Focus groups can be very lucrative. You can actually earn several hundred dollars to complete one project. While paid surveys are short, focus groups will definitely take up more of your time. Focus groups may require you to actually visit a location or talk on the phone in a group discussion. This may take more work, but the reward is much higher, as you will get high cash prizes for your participation.

My best friend in college makes a killing with focus groups and this is how he pays for his books. So look for focus groups that are in your area.

Product testing is something else you might want to look in to. What happens here is a research company sends you a product and wants you to review/survey it. The good news is after you send in the complete review forms, you get to keep the product. These products, at times, are pretty neat.

Chris Walker is the owner of: http://www.ultimate-home-business-advice.com. Get all the best advice on great home businesses that really work. Gain access to essential tips and resources. He is the owner of all said material in this article. You can distribute his material on a non-exclusive, royalty-free basis, while he retains full rights to his work. You can use his article as long as you do not change any of the content without his permission.Ashli Blog65690
Amelina Blog45172