Sunday, November 21, 2010

Investing Strategies For Women

Retirement is a funny thing. We plan our whole lives for something that seems so far away it will never arrive. We are told to start planning early so that we can enjoy the benefits of compounded growth, yet in our "early" years we are repaying loans, mortgages, getting started in our careers (meaning we do not have a whole bunch of disposable income to begin with) and so on. Indeed, in our youth we rarely consider the consequences of an under-funded retirement plan.

The idea that investing for retirement would be different for women than it would be for men may seem silly and even slightly insulting at first glance. The idea isn't meant to be sexist in any way, but there are a number of factors that tend to be different in lives of women that make this topic vitally important.

The first is the fact that women are paid less for the same job in the modern workforce. While this margin has been getting smaller and smaller over time, it's still significant. In a recent study by the United States Department of Labour, women were shown to earn 24 percent less than men for doing the exact same job. This can have serious implications when it comes to investing for retirement.

The same study by the Department of Labour also showed that women, on average, spend less time working than men. A gap of seven years was present in the study due to time that some women take off to have children, raise a family or care for elderly or sick parents. While the obvious impact to the amount of money earned in a lifetime is obvious, there is also the impact on any sort of savings plan through work, as well as less social security.

As if that wasn't bad enough, the last United States Census showed that women are living an average of seven years longer than men. So, not only are women earning less and in fewer years in the workforce, they also live longer which means they need to save more for retirement.

What does all this mean? It means that women might need to take a slightly more aggressive path toward investing for their retirement. It also means that women need to start even earlier than men to start saving and investing. Other good tips are to set different goals than your husband, since your set of circumstances are different.

You might also want to have even more diversification in your portfolio than most so that if some of your investments go sour, you won't be left with nothing. It's also a good idea to stay on top of your investments. Reviewing them on a regular basis lets you know where your doing well and where you might need to make changes.

While it's unfortunate that a woman may need a completely different investing plan for retirement than her husband, the fact remains that there are forces conspiring against women in the workplace. But with the right strategy and the proper goals, everyone can enjoy a healthy and prosperous retirement.

Where many investors err in this area is in being honest in how they feel about risk and re-evaluating their tolerance and time constraints on a regular basis. While all financial planners and advisors will provide this type of analysis, investors are urged to consider such things independently so that they are completely satisfied with the shape their investments will take as they ease toward that seemingly distant milestone known as retirement.

Savings Strategies for Women

Building savings – not an easy task in the best of times – has become even more of a challenge during the recession. While women typically earn less than men in most occupations, the good news is that women's jobs have held up better. Women have a 20 percent lower unemployment rate than men, according to a recent report from the U.S. Department of Labor.

Women also live longer and rely more on Social Security – the troubled trust fund will pay out more than it receives this year – than men.

So how can women build a bigger nest egg when times are tough? Here are four tips to help women take control of their finances:

1. Know the Difference between "Saving" and "Investing"

Wall Street and the financial planning industry have led us to believe that "saving" and "investing" are the same. They are not. Money put in savings is money a person doesn't want to (or can't afford) to lose. Money invested is subject to loss. Most people today "invest to save," but they have no idea what their nest egg will be worth when they plan to tap into it.

This is not a financial plan. It's gambling. And it has led to a nation of Americans wondering if they'll ever be able to retire, and what they'll have to give up in order to do that.

The typical equity mutual fund investor has actually been losing 1 percent per year for the past 20 years, after adjusting for inflation, according to the research firm DALBAR. The bottom line: Money a person cannot afford to lose should not be invested in stocks, real estate or other traditional investments.

2. Don't Wait to Pay Down Debt Before Increasing Savings

Often people think they must pay down their credit card balances and other debt, before they can increase the amount they save. But that's not necessarily true.

Case in point: A woman in her fifties was paying $600 to $800 a month more than the minimum payment due on her credit cards. She discovered that by cutting back to the minimum payment and putting the difference into a guaranteed savings vehicle, she could have a nest egg worth about $50,000 more than she otherwise wood when she retires at age 65. I call this the "better than debt-free" way to manage money.

3. Look Beyond Traditional Saving and Investing Methods

Many people do not realize there are proven and time-tested ways to grow a substantial nest egg without the risk or volatility of stocks, mutual funds, real estate, and other investments.

One asset class has increased in value during ever period of economic boom and bust for more than a century: dividend-paying whole life insurance.

A dividend-paying whole life policy grows by a guaranteed and pre-set amount every year. The growth is exponential, meaning it gets more efficient every single year the policy is held. This gives some protection against inflation and provides peak growth at the time most people need it most — retirement.

Such policies can even include options that turbo-charge the growth of equity (cash value). Once credited to the policy, both guaranteed annual increases plus any dividends paid are locked in. They don't vanish due to a market correction.

These policies also provide peace of mind for retirement planning because they specify the minimum guaranteed income a person can draw in retirement.

4. Realize Saving Doesn't Have to Mean Sacrificing

Saving with this kind of specially designed dividend-paying whole life policy allows the policy holder to borrow equity and use it for needed major purchases. Some companies even offer policies that continue to grow as if no money had been withdrawn. This can open up all kinds of new possibilities for responsible savers.

A couple I know hadn't taken a vacation since their honeymoon eight years earlier. They couldn't justify taking a vacation because they felt they should save the money. They hated the idea of putting it on a credit card and having to pay all that interest. So they borrowed the money from their policy for a one-week vacation at a resort on the Mexican Riviera.

They set up a schedule to pay back the loan to their policy over a year, and made plans to use the same dollars to take a nice vacation every year. By using this powerful saving tool, they found a responsible way to do something for themselves they would not otherwise be able to do.

By saving instead of gambling, hardworking women and families can provide for their financial future. It only takes know-how, and the willingness to try something that's time tested, but different from conventional, unpredictable investing strategies.

Family Financial Innovation

Are you one of the family easy newly married, or at least for the moment have one or two small children? If so, how do you manage the family's income?

In the case of family financial management, there is no term money sourced from the income the husband or wife. Because both men have agreed to build the household, the income one partner referred to as family income. In today's modern era, no longer the backbone of the family is the husband forever. Today many are also working wives. In addition, not a few of the wives who worked had since before marriage already have their own income.the wives who worked had since before marriage already have their own income.

To further the question is whether, if a wife who has long had its own income, then after getting married and keep working, income earned by the wife is only used for personal purposes? This should not happen, because married couples have essentially the same goal which is to meet the needs of his family. To change that, the couple should have commitment and family financial goals.

Commitment and financial goals;

First, commitments
by the time you settle down with your partner, it means you and your partner have been ready to share the income to meet your household needs. If you are still using individual ideology in your household, then there will be no different than life itself. What will often happen in the future due to financial problems? Therefore, you and your partner must have a commitment to share which is a foundation in managing family finances. If so far you and your partner are already with the paradigm of income is the right of each, then you and your spouse have to change the paradigm.

Second, determine the financial goals together.
Every family has the right to determine their family's financial goals. How many assets you want to have? How preparation fee schoolchildren? But that being said the key is how you make a priority of the family financial goals. Who should be in and what needs should come first.

Financial goals and revenue allocation
Third, how to achieve financial goals the family?
To achieve the necessary financial goals is to set aside income into savings, and if it is sufficient then the savings are used to meet family goals. More modern again, if the income is allocated to the investment set aside until eventually the numbers will continue to grow. And in the end amount will to meet the family's financial goals.

Another thing to do but set aside earnings into a savings is to buy a house or apartment with credit. For the next loan will be repaid from monthly income husband or wife. Here the husband and wife must have a collective agreement, if the desire to reach financial goals by means of credit. The consequences are there if this is done is each month you have to set aside income to pay the mortgage loan or an apartment. That causes a desire to spend funds for other purposes should be reduced.

Fourth, allocate revenue
Husband or wife should be able to allocate funds for revenue expenditure requirements daily. This can be achieved by way of income of both parties entered into a savings account, and this is called the family income. Then from income shall be selected where daily necessities and which are for investment. For this requires openness ushered the two sides.

Saturday, October 30, 2010

Ooops! Don't........

State a percentage salary increase... just because it sounds right. Salary increases or salary expectations should be based on incremental contributions to the company, a higher position, more responsibility and bigger work challenges. Pulling a number out of the air and saying "i just thing i deserve a 20% increase" isn't quite as convincing as backing up your request with facts and good reasoning.

Use personal reasons as a justification.... for higher salary expectations. You're paid a salary for work that you do for a company. Unless the job requires you to sacrifice something in your personal life, such as working on weekends or a reduction in your dependent's health benefits versus your last job, your personal life should not come into salary discussion.

Threaten to leave the company.... or play two offers from two different companies againts each other. Ideally, salary and benefits should be one among many reasons you commit to working for an organization. Enjoyment of your job, opportunity for growth or learning can be other reasons. Appearing to sell your services to the highest bidder signals you may not be committed or reliable, staying only long enough until the next best offer comes around...

Smart Money Moves

It's never too early to teach your teen how get more value for her money, especially when it comes to buying her personal things. For teens, it's easy to just whip out cash from their wallets and buy what they need without giving it a thought. But money smart moms ought to pass on their best shopping "tipid" tips to their children. Your teenager is sure to find these useful when picking out personal things on her own.

Shop Around;
Teach your teen no to just grab the first product she sees. Compare prices by checking out different stores, if she has time. Otherwise, she should look up, down and sideways at the grocery or drugstore shelves. With so many products available, she will definitely find one that suits her budget. However remind her that even if she's on a budget, it is important to make sure that she buys products that deliver their promised results. Remember being on a budget doesn't mean sacrificing quality.

Family Business

When conducting a full time direct selling business, your time is your own and you can spend more time with the kids. But in whatever venture, to rake it in, you need to clock in the hours as well.

Set goals and involve your family in your business. "we had a goal jar that we used everytime i had to leave for work". I came home, they had done their homework or certain things, we'd put money in the goal jar for each of the kids. When we reached a certain point, i added some money to it. And the first thing that we bought was a swing set. I know that doesn't sound important, but at five and six years old, the kids where learning how to set goals. So then of course, they get to benefit. They learn about hard work, rewards, and the celebration. So today their work ethic, integrity, and values are not an issue, they're just part of who they are...

Sunday, October 10, 2010

Profitable Businesses Online

Building and maintaining profitable businesses online requires time and effort just like their offline counterparts. The biggest difference however is that you can usually break into profit quicker with an online business venture. This is not to say that success is guaranteed but your chances for business success are enhanced by lower costs and having access to a global audience. Marketing on the internet however is still very competitive therefore certain measures need to be taken in order to further increase your chances of success.

Here are 3 things every online business venture needs to be sure they do to help make them more competitive within their own selected niche.

Display Creativity or Uniqueness

Don't bother 'competing' with others since it has already 'been done' but instead stand out by being different in some way. Take an existing and proven product or system and refine or improve upon it, make it your own with a different twist or added feature. Duplication is great but building off the successes of others by making changes or adding benefits that are not currently offered.

Eliminate Task Duplication

Review your business functions and see how or where you can combine the completion of various functions with a single effort. This will help eliminate any needless duplication of effort and save you time and energy. Always look for areas in your business venture where you may be wasting time and/or money. In doing so you will become even more competitive in your market thereby further increasing your chances for business success!

Continually Move Forward

When you get 'hung up' on a certain task, if possible, move on to something else that needs to be done. Come back later when your thinking may be clearer or you have the time to devote to the unfinished task.

Marketing on the internet is a fast paced environment and you do not want to get yourself needlessly bogged down in any one area. Always strive to use your time as efficiently as possible and keep both your business and yourself moving in a forward direction!

Building profitable businesses online can be done quicker due to the lower costs involved and having access to a huge global audience. Even with these 2 distinct advantages marketing on the internet still remains highly competitive and does NOT offer any guarantees. There are however 3 things that every individual should focus on doing to increase their chances for business success. As mentioned above working efficiently and maintaining a uniqueness combined with plenty of resolve will help to give you the competitive edge you need to succeed.

Working From Home

Success In Working From Home with respect to many, a few hundred bucks extra a week makes the difference between having to go back to work, or being able to have one partner stay at home to look after the children full time. Success In Working From Home This new life change is at the forefront of many of their minds, and the conversation often turns to this topic. It's at about this point you'll hear me say, "Why don't you think about setting up a little online business?" with a sheepish grin. Most people either fall into one of two camps. The first camp are the ones who don't believe they could make money online because they have no skills. The second camp have bought into the idea that the Internet can turn almost anyone into an overnight millionaire. I know we'd all like to believe the sales letters that tell us we can be millionaires online with very little work. Unfortunately, it's just not that easy. I reckon I've met more than 100 people whose online business generates over 500K a year. I had dinner with a guy who was doing 50 million. All of those businesses took an enormous amount of time, money and skills to get to that level. All of those business owners worked their butts off, many of them risking their health, marriages, and sanity as well. That's where the problem lies. Most people only have: * Maybe 5-10 hours a week of spare time. * Very little start-up capital. * Basic computer skills. Hardly the makings of the next big thing. Suddenly the opportunities don't look so good. Thankfully, there's some good news. While you may not be able to become an overnight millionaire, it's not that hard to make an extra few hundred bucks a week online. For most people a few hundred bucks a week may be enough to pay for a nice holiday, allow a parent to stay at home to look after the kids, or perhaps start your kids' college fund. Certainly enough to get a bit excited about! I usually outline a fairly simple process to make this happen that takes into account their lack of time, skills and money. As I unpack the details, I see the cogs turning in their mind and their eyes start to light up as I explain the perpetual and automated nature of the whole business. Who doesn't get excited by the idea of getting paid while you are sleep? This is the point where I come unstuck and is the source of my reluctance in saying anything. They want to know EXACTLY how we've managed to do it, and how they can do the same. I end up explaining things to them, but it all floats off into the air. What they need is a concrete nitty gritty blueprint that is going to cater for their lack of skills, time and resources. This guide makes the following assumptions: * Most people will have 5-10 hours a week to work on the business. * They have very few, if any, technical skills. * $100 to invest. * A willingness to work hard, stick to a plan and resist distractions. The 8 parts to a successful online business are: The Introduction (you're reading it now) The Mindset The Idea The Plan The Action The Traffic The Money The Growth

Sunday, September 26, 2010

Earning Money Online Without Investment

Clothed in order in place of you to earn money online near are 3 steps with the aim of you maintain to take and understand by you find out some money imminent in. By sense on the following steps you're going away to be able to earn money in the long run.

Step #1. Choosing An Affiliate Business Opportunity

This step is very of great consequence and is the basic single you maintain to take for the reason that you maintain to kind really with the aim of you go for an reasonable organization opportunity with the aim of you're going away to be comfortable promoting to other citizens. Make really you dedicate an adequate amount schedule to researching and comparing the diverse opportunities with the aim of you are interested in by making with the aim of final decision.

Step #2. Using Article Marketing To Promote Your Business

Once you maintain chosen your organization opportunity after that it's schedule to make the most of article marketing to promote your organization. Of classes near are many ways to promote your organization but I can honestly tell you with the aim of article marketing is single of the nearly everyone successful and nearly everyone powerful ways with the aim of you can make the most of. What you're going away to be liability is investing your schedule not including having to locate some money. Just remember with the aim of is going away to take schedule in place of you to master and contract better by the side of it but once upon a time you resolve you are going away to find out results with the aim of you in no way thinking were promising.

Step #3. Develop The Slight Edge Mentally

If you're going away to be liability article marketing you unquestionably maintain to develop the slight boundary mentality. This type of mentality indicates with the aim of you are going away to be liability small labors consistently on schedule. When it comes to article marketing it channel with the aim of you're going away to be liability a a small number of articles each daylight hours and as schedule progresses they are going away to compound mutually. For instance by liability two a daylight hours it is going away to equal to 720 articles in single time.

By understanding these 3 steps you are exactly going away to be profitable if you keep going away and resolve not allot up. Remember with the aim of you ought to develop patience for the reason that the results are not going away to approach appropriate away.

Money Making Jobs From Home

Good Money Making Jobs

Are you interested in making a lot of money? Would you prefer to make your money by working from your home? Many people often have this dream of making a lot of money and doing it from the comfort of their own home, but many simply lack the idea to get started. They often feel that any idea they come up with is bound to fail. However, there are many different money making opportunities to be found online. The following are the top 3money making jobs from home.

Affiliate Marketing
When you join a program to become an affiliate marketer, you are actually selling the product or service belonging to this business. Because home-based jobs like this have unlimited potential, it can be quite lucrative when you have the right motivation and put in the effort. Marketing the products or services can be done both offline and online, however, you will want to make certain you choose a product that there is a need for, as well as understand who your target market is or you will find it difficult to secure the sales.

Online Auctions
Many people often find themselves working jobs from home doing online auctions as they get to choose what they sell and they can constantly switch up the items they are selling. Online auctions do require a lot of work, as you must spend your time procuring the items to sell, listing them in the auction, packing them up, and shipping them to the customer. However, for those who have a good idea about what people want, you will find this business can bring in the money while you stay at home. Good Money Making Jobs

Writing Web Content
For those who have good writing skills, writing web content from the home can not only bring in the money, it can add jobs to your writing resume and lead to bigger and better things. You will also find there is plenty of work to be done as more and more business owners request content for their websites. The content you write can often be published under your own name, giving you an author byline, however, you will find that many website owners often prefer to have the articles ghostwritten so they may put their own name on the article.

These are just a few of the jobs from home you can find online. Before you join any business or new venture, always do a thorough check to verify you are joining a company that is both reputable and trustworthy. Good Money Making Jobs

home based craft business

It is a three day holiday and you have extra time on your hands. When you have the free time to spare, that time is spent in arts and crafts pottery. Since you started your hobby, you have already produced quite a number of pots. You have given a number of your pots as gifts to family and friends. On numerous occasions, the people who have received your pots have told you on numerous occasions that you should start selling them and consider making it a home based craft business.

In fact, the idea has crossed your mind on several occasions. If you sold all the pottery pieces that you have accumulated over the years, you would make enough money to cover the cost of materials, cost of production and perhaps made enough to even start a small home based business. But before deciding to transform your hobby into a home based craft business, there are a number of factors that should be considered.

Among them are:

1. The amount of time you will devote to your craft business. Are you ready to give up your full time job to concentrate on your hobby that will allow you to work from home? If this is going to be a full time home based craft business, you have to make sure that you have saved enough money not only to buy the materials you will need but to support you until you start earning enough from selling your pots. If this is going to be a part time home based business for you, you should set a time limit and realistic production targets for yourself. You should not allow your business to affect your performance at the office and should only be done during weekends and the holidays.

2. How you will market your products. Will you be selling your products online? If you are going to sell your items online, you will have to sell your pots on eBay. You can also build your own website equipped with it's own payment facilities. If you decide to sell your products in small gift shops, you should talk to the owner. Decide on the best payment terms for you as well as the shop owner.

3. How you will produce your products. If your pots are really one of a kind items, there will be some establishments out there that will make bulk orders. When that happens, you will not be able to meet the target on your own. You will have to hire extra hands to get the work done and to meet the deadline set by the big establishment.

Once you have considered these factors, you should be ready to start your own home based craft business. In order to make a successful home business, you should come up with a business plan. It is this business plan that will serve as your guide when developing your business. If you search the Internet, there are many sites available that will provide you with online business plans. This can serve as the basis of your own business plan.

Friday, September 17, 2010

Stock Market Trading Can Make Money

Share trading which is commonly known as as share dealing generally is a sophisticated yet pretty advantageous project should you have tolerance and also the conviction and also attitude to discover. This article we will focus on the five tips somebody starting in share trading and just what they should completely understand and also take to heart.

Point One: In no way begin in stock marketing trading for anyone who is not within a stable monetary scenario. With the economic system being how it is, you need to make sure you may trade efficiently without sacrificing your home or business, and so on. If you feel you are secure enough, make sure you simply enable yourself a certain amount of spending money. Quite possibly open up an entirely different banking account which in turn would be the only way you create funding for your share trading accounts.

Point Two: Be smart and also know that share trading takes time to learn. You have to take the ups and downs, but not get too upset. Every loss might be chalked up to a learning experience regarding just what to avoid later on. Make sure that you show patience, do not necessarily begin head first. Find a few places associated with stock market trading and focus upon them. Watch the trends and analyze historical information to find out when you need to buy and sell.

Point Three: Make a decision if you need to start using a full service stock marketing trading brokerage firm, or if you need to work with an 'execution only' stock market trading brokerage firm. Naturally the actual differences in both would be the specific costs charged; full service stock broker can charge from 150 up-wards per share trade, whilst the latter rates are from 15 up to 30 dollars. Remember that in the event you still sense you will want a bit of direction and possess the available funds to work with the full service stock broker, you might wish to try. They might get you a number of statistical information and at times perform like a specialist advisor that may help you. The 'execute only' brokerage simply will take your certain order and also processes it for a fee.

Point Four: You need to ensure there is a long-term strategy. Are you gonna be in this for the long term of more than 6 years, or perhaps are you currently contemplating you simply would like to try out share dealing for twelve months. These may possibly play an important role in the kinds of shares you put money into.

Point Five: Just about the most crucial is to ensure that you diversify your portfolio. The better diversified you tend to be the risk components become to some degree much less.

Hopefully these five pointers will help you within your endeavor straight into share dealing along with building a profit whilst trading.

Can The Small Investor Surive In This Market?

Let's face some basic facts when it comes to investing or trading. The markets are an avenue to transfer wealth. Small weak money gets bullied by smart advanced money. In essence, institutions using technology and expert traders take money from weak, individual traders and investors. This has been how things have been throughout history but in the markets of today, it seems to be much more rampant. We must analyze why and discover the true ways to avoid these pitfalls if you are a retail investor or trader without the resources of a monster hedge fund or institution.

Years ago, the markets were a great place to put money for the long term. Investing for retirement was the name of the game and this is how many baby boomers built their nest eggs. However, over the last ten to fifteen years, the markets have gone sharply higher, fell hard, gone sharply higher and fallen again. If you had invested money in 2000 or 2001, ten years later you would be lucky if you had made a dime. Look at the chart below showing the SPDR S&P 500 ETF (NYSE:SPY) monthly. Notice where the markets were ten years ago. In addition, note the M-A pattern which is scary and will be discussed at a future point in time.

In recent months, the markets have started to become even more volatile and choppy. Six to ten percent swings in the market are occurring every few weeks. Swing traders and day traders are getting whipped in a market and the average investor believes the markets are fully rigged. Are they mistaken? Not necessarily! In all fairness, the way they are run are not that much different from how they were in the early 1900's. Institutions and big money still control the markets like they did back then. However, there is one major difference. The speed at which the markets moved was slower due to lack of technology.

In the market of today, the swings are violent and wild as computer programs have taken over. Black box trading programs run by institutions are ruling the markets as well as mega money hedge funds. The media is often utilized to also transfer wealth by blasting the overly bullish or bearish sentiment to the average trader and investor.

If you have not figured it out yet, the markets are being whipped to maximize profits to the big players through psychology. Get the common investor and trader to be overly bearish and smack the market higher, taking their money. Just as things seem perfect once again, the economy ready to recover and the average investor has invested on the long side once again, slam the markets down, taking their money. Technology has created a perfect environment for this to occur almost weekly. Black box trading programs, mega money flow from institutions and the media pushing the rhetoric causes the small investor to get lost in a sea of whipsaw. The average investor and trader has no shot. If you have no help, it is wise to not even risk your hard earned money and step aside.

Will the small investor vanish forever? Much like those from the Great Depression who would keep money under their mattress, many retail investors will be very gun shy for years and decades to come. However, greed will prevail, they will be back and trying again at the first sign of stability. Unfortunately, the stability will not last long as this game will be repeated again and again. In addition, with the emergence of new markets like China and India, there will be new money flowing all the time to keep the hungry institutions fat.

Do I swing trade and trade? Yes, of course. I spent years studying the markets, learning methods and creating proprietary methods that I teach to my members. Through these methods we can avoid many of the pitfalls most retail investors and traders fall into. Learn and profit.

Tuesday, August 24, 2010

Money Making Jobs From Home

Are you interested in making a lot of money? Would you prefer to make your money by working from your home? Many people often have this dream of making a lot of money and doing it from the comfort of their own home, but many simply lack the idea to get started. They often feel that any idea they come up with is bound to fail. However, there are many different money making opportunities to be found online. The following are the top 3money making jobs from home.

Affiliate Marketing
When you join a program to become an affiliate marketer, you are actually selling the product or service belonging to this business. Because home-based jobs like this have unlimited potential, it can be quite lucrative when you have the right motivation and put in the effort. Marketing the products or services can be done both offline and online, however, you will want to make certain you choose a product that there is a need for, as well as understand who your target market is or you will find it difficult to secure the sales.

Online Auctions
Many people often find themselves working jobs from home doing online auctions as they get to choose what they sell and they can constantly switch up the items they are selling. Online auctions do require a lot of work, as you must spend your time procuring the items to sell, listing them in the auction, packing them up, and shipping them to the customer. However, for those who have a good idea about what people want, you will find this business can bring in the money while you stay at home. Good Money Making Jobs

Writing Web Content
For those who have good writing skills, writing web content from the home can not only bring in the money, it can add jobs to your writing resume and lead to bigger and better things. You will also find there is plenty of work to be done as more and more business owners request content for their websites. The content you write can often be published under your own name, giving you an author byline, however, you will find that many website owners often prefer to have the articles ghostwritten so they may put their own name on the article.

These are just a few of the jobs from home you can find online. Before you join any business or new venture, always do a thorough check to verify you are joining a company that is both reputable and trustworthy. Good Money Making Jobs

Tuesday, August 17, 2010

kid grow up to be money smart

Most parents today want their children to have a great education. If their child doesn’t go to college, they believe that their future is compromised from the start. The truth of the matter is that the entire education system prepares our children for one thing only: to become a model employee. And having a job, no matter how great it is, is not the solution for financial freedom. When we think about financial freedom, we immediately picture some of the wealthiest people on the planet. This is something all of us strive for, but most of us don’t achieve it. Why do you think that 20 percent of the world’s population controls more than 80 percent of the money? These are the people that have not been brought up to be model employees. But how can you make your child grow up not to be like you from a financial point of view? Since you lack the know-how that can make your child money smart, you may think that all is lost and he or she will grow up to be just like you, with endless struggle on a day to day basis and all of it just to try to make ends meet. If you want this sort of a life for your child, then you are in trouble. Gathering knowledge is one of the main occupations for children. At an early age they develop everything that will help them throughout their lives, because this is the time when they learn and this is the perfect time when you can embed some very important knowledge about money management. Money management is not something really hard to do and, contrary to many beliefs, it is accessible to most people. All you need is a few guidelines that can determine the path you will follow throughout your life and reaching the destination is entirely up to you. Money management is basically the process where you make your money work for you instead of you working for your money. As a middle-aged person, are you ready to become aware of a few tricks and start making money from money? It is not very hard to start the process from that point, but it might prove to be a little more complicated. If you would strive to make your child money smart from an early age, he or she would have these principles ready for application even sooner than you think. The sooner they prove to be money smart, the greater the results will be and the sooner they will show. Sure this is not something you can achieve overnight, but when your child reaches his early 30s with no financial problems, then you can be proud that you have achieved your goal. As I mentioned afore, you might not have the necessary knowledge to pass on to your child about money management, but that doesn’t mean you cannot acquire it. You can always try to learn new things, especially when it comes to your children. Don’t waste any time and start assuring your child’s future, because they represent the most important aspect of your life. If you want to know how you can make your child money smart and in control of his or her future, be sure to visit the website

Teach your Child the Value of Money

Our relationship with money is one of the most important relationships in our life, whether we like it or not. Therefore, as a parent you are obliged to learn your child how to be successful in managing finances and you will enable him to have a happier life, in which we control the money instead of letting money (whether it is due to lack or excess of it) control us.

1. Never tell your child that you can't afford something

If you say that all the time, your child will learn that you are not in control over your money, but that money controls you. It is important that you show your child that you have the last word in the spending of money, so instead of "We can't afford it" say "We choose to buy this toy next month, because we haven't planned for it this month."

2. Learn your child how to spend money

Money management is not only saving, it is also spending. If you spend too much money and run a huge debt, you will be forced to save. Savings begin in the store and the manner of spending defines your finances. In order to learn how to spend money, your child can receive small weekly allowances in order to develop sense of money.

3. Planning in diapers

When you begin to give money to your child, make sure that you give some directions how to manage it. For instance, you can make a rule that 60% of money has to be saved, and 40% is free to be spent on candies and toys. Don't worry if at first your child doesn't understand saving and spending concepts. Similar to learning how to walk, this will also take time. Useful habits are acquired over period of time and it is important that your child learns that this is a good habit and associate it with positive feelings.

4. Use cash

Children don't understand what you're doing when you're paying and if you use credit cards a lot, your child might get the impression that the magic plastic can buy all the toys in the world. Therefore it is important that the child sees and feels the money so that it can comprehend that money is exchanged for products and services. Try to pay in cash as often as practicable, and show banknotes and coins to your child. Of course, you must also learn them what are credit and debit cards.

5. Show them by your example

Learning is copying others, and you have to show your child that you manage your money. Show what is budgeting, show how you record expenses, because your child will learn by example.

6. How much does it cost?

Child has to learn how much something costs, in order to understand why something that costs 1 dollar can be bough immediately, but we have to save for the Barbie doll.

Monday, August 2, 2010

July Top Dropper


Dropper # of drops
JoeTaxpayer 27
Vietnam travel blog 20
Life in Vietnam 18
Entrecard dropper 16
Tips Health 16
Mini Sterio Aquiles Guerrero 15
Lakbay Philippines 13
Strategy Shopping 12
jessiesdad Blog 12
Boleh! Boleh! 11

5 Tips To Ignore Your Financial Future

Try to be Warren Buffet(Pick Individual Stocks)

Warren Buffet can do it so darnit you can too. NOT! To do it profitably, stock picking requires that you understand complex accounting. You have to be able to pore through long corporate financial statements, analyze what you see and then decide whether the company is worth its current stock price. Sounds easy right?

There is no reason to do this. There are so many exchange-trade-funds(ETFs) and index mutual funds to choose from that allow you to avoid this complextiy. A single ETF alone can provide you with exposure to an entire sector, country, region of the world, or even a commodity or foreign currency. Why waste time trying to decipher boring financial statements. Yuck!

Listen to the Media

Go ahead,.. just try to factor in every single thing you hear or read about the economy, interest rates, or some company's fancy new product into your portfolio. You are guaranteed to earn yourself a trip to the local looney bin. Investing doesn't have to be complicated. Stay focused on the big picture. Choose a mix of asset classes that is right for your age and desired level of risk. Next, implement it using low cost index ETFs or index mutual funds.

Follow Stock Tips

That hot stock tip from your buddy at work. That unknown pennystock your cousin told you is going to triple in a few weeks. All aboard! You're going to be rich soon, right? WRONG! There are many places on the web to get objective research on ETFs and mutual fund options. Try Morningstar or Yahoo! Finance, just to name a few. Avoid message boards, forums, and tips from friends and family like the plague. it's a recipe for hurt feelings and portfolio pain.

Ignore Your 401(k) Match

Who needs free money for retirement anyway? It's so far away. You're young, and you'd rather spend the money on a new sports car, a leather jacket, and some hot threads for the cllub. That is oh so stupid! If you employer offers matching contributions in your 401(k) plan, get it! Make whatever the minimum contribution is to get those matching funds. It's literally free money. No one in their right mind should say no to that.

Don't Have a Strategy

Why have a strategy? Investing is easy, just buy-and-hold forever and you'll be okay, right? Nope. What will you do one day when you open your account statement to find that half(or more) of your nest egg is gone. Everyone has an buying strategy. Very few people have an exit strategy. You need to have an exit strategy so that you don't get crushed during bear markets. Having a robust trend-following strategy and the discipline to stick with it will help you keep your emotions in check. You'll be well on your way to becoming a successful investor.

Sunday, July 18, 2010

Earn Your Way

Earn Your Way

Throughout my life like many others, I have been blessed with some things and some people. On the other hand I have had to work very hard for something and some relationships in my life.

Was it just handed to you?

We hear so many times in the news where some famous person left a huge inheritance or company to their child. We hear how this son or daughter spends the inheritance to impress others or enhance their lifestyle and within years they are so miserable and/or broke. We hear about how some individuals that win the lottery and think that now with money all their problems will be gone. On the contrary, their problems are now compounded to an extreme unimaginable and within a few years they have lost everything. They have lost most if not all their money, friends, family and freedom. In my opinion this happens because they did not earn their money and they never learned the power of earning your way.

Earning As Simple as a Coffee Mug

I was inspired just yesterday when I went to the mailbox and found a white box shoved in the back of the mailbox. This white box had me quite intrigued as there was no holiday coming up, and my birthday is months away. So I had no clue! I knew I hadn't ordered anything recently, but there still was this white box. I looked at the sender and it was from, a website that I continually submit articles. I went inside the house like a little kid to open up this box. Once I got it open I found there was a coffee mug and nice leather coaster. The mug and coaster both have verbiage stating my expert status and also a card was in the box stating how they felt about my valuable content I provided them. I had earned this status, something that I accomplished, a skill that I could teach others.

What the Mug Means to Me

While this is just a coffee mug, it has a different meaning to me than my other 20 coffee mugs. I earned it! I was dedicated up front to add valuable content to people's lives without expecting anything in return. All along I knew providing quality content to the world has the ability to inspire another or enhance their quality of life. You may be reading this and thinking, "Robert, it's a mug!" You couldn't be more right, but do you know the power of earning your way? In your life think of what you have earned: a diploma, a degree, an award, a position, your lifestyle, or even consider the relationship with your spouse and/or friends. Think of how you earned the respect of others. What did you have to endure to get to your goal?

The power of earning your way is one not to be forgotten or doubted. Earning you way leads to leadership, being able to help others in a way many can't. Earning your way comes with experiences, some good and some bad but experiences never the less. You cannot replace experience, it forms you and I to become the leaders we are. Earn your way. Help others. If you accept handouts, what does it teach you? If you learn, earn your way, and then teach others what does this accomplish? You are learning and giving back to humanity in a positive way. So in closing I have to say there is nothing better than Earning your Way.

Monday, July 12, 2010

Face the difficulties

”Failure is the step to success ” means a person who fails will succeed in life.Today we see many people committing suicide for getting for one or the other thing.They must not do so.If a person gets failed he must not lose hope and must make his mind strong and plan for the next achievement.So a person who gets failed in exams or in any other ways must think about the success and must not change the mind.But this does not mean that a person must get failed.

There are many personalities in the world who have come up after getting failed.We must take them as our role models and must not get depressed for getting failed.Remember,suicide is not the solution for every problem.Be happy for what god has given and enjoy it.Don't develop bad habits just for getting failed,instead develop good habits.Be positive ,you will surely succeed in life.Thank god for giving a precious gift to you and feel lucky to enjoy it .Every person thinks that others are happier than them.But it is not like that everyone will be having their own problem.If you get depressed for some reasons consult a counselor who will do the counseling to you.Some people develop bad habits like smoking, drinking ,taking drugs etc. just for getting failed or for some other reasons.So my suggestion or advice to all the youngsters of this society is don't feel sad for the problems you get in life and be strong to face it.Best of luck to all for your exciting future.

Tuesday, July 6, 2010

Investing Your Choice

Opportunity cost. We all face it everyday. Any decision that we are confronted with that presents two or more choices has an opportunity cost. It is the value of the next best alternative that is given up for choosing to do something else. Opportunity cost is the result of scarcity, which is when our wants outweigh our resources. Basically, humans do not have enough of everything to satisfy our every desire. Each individual has their own personal opportunity cost, which means each person can only determine for themselves the highest-ranked, next-best alternative that they had to sacrifice. However, not all alternatives are considered the opportunity cost. It is important to keep in mind that opportunity cost can only include the next best thing that is given up, not everything that is forgone by making a choice.

An example where opportunity cost comes into play is the idea of investing. For example, an employee receives an annual bonus of $10,000 and cannot decide between depositing it into a checking account, or investing it. The reason why he wants to invest it is the possibility of earning interest and making money on it. After much thought, he decides to deposit it into his checking account, a more liquid asset, so that he has more accessibility to it. Therefore, the opportunity cost of him depositing it into his checking account is the act of investing it and the interest he would have earned if it were invested in the stock market. Because the employee chose to put the $10,000 into his checking account rather than invest it, he gave up his next best alternative of investment of the money, and the chance to earn more.

Another example of opportunity cost being seen in the financial industry is if a person were to decide to sell a stock for $10,000 instead of waiting to sell it for a chance of earning more money. Nonetheless, if he were to wait, the cost of the stock could also decrease, thus causing him to not earn as much money on the sale. The investor has a decision to make; sell the stock now for $10,000 or wait two months and take the chance of being able to sell it for say, $12,000. Since we do not know what will happen if the investor were to wait to sell the stock, the opportunity cost in this case can only be determined in hindsight.

Lastly, opportunity cost can also appear in the difference of returns between two stocks. Let's say an investor is deciding between two funds to invest in and he has the choice between "Stock ABC" and "Stock XYZ". He chooses "Stock XYZ". Let's also say that "Stock ABC" had an annual return of 6% at the end of 2009, and "Stock XYZ" had an annual return of 4% at the end of 2009. Since the investor gave up the opportunity of another investment ("Stock ABC") by investing in "Stock XYZ", the opportunity cost of not investing in "Stock ABC" would be 2%.

An investor is always faced with decisions, and with these decisions come choices that must be made and render opportunity cost. Whether it be if they are making a choice about where to put their money, what to do with their money once it is invested, or more specifically, what investment options to choose, there are always decisions that must be made in the financial industry. Once these decisions are made, the opportunity cost of the next best choice always shows its face.

When broken down into its simplest form, opportunity cost can be understood quite easily. Every choice you make to do something requires that you give up something else in return. In most cases, you are giving up more than one thing. Opportunity cost is the most highly-valued thing you are giving up to engage in the decision of your choice. It comes down to wants; what a person wants more from a situation. And because of the idea of scarcity mentioned earlier, our wants have always and will always outweigh our resources, causing opportunity cost. The bottom line is each day we are faced with decisions in which we must make choices, and opportunity cost will always be present as a result in every choice we make.

Defining Profitability

There are some fundamental principles of how to define a possibly profitable trade, i.e. to find a good trading opportunity. Some of these criteria include low levels of risk involvement, high degree of possible profitability and fitness to trading plans. All these aspects should be admitted by the trader even before he enters the financial market. The best combination of these factors is the main rule of money management in Forex exchange market. Let us speak in details about each factor.

The first thing to remember is that every trade involves certain degree of risk (unless you trade demo). This criterion is individual for each trader and the decision should be grounded on the amount of capital he possesses. Every trader should trade using the money he can afford to lose.

The degree of risk should be calculated for each separate trade. Analyzing the risk, a trader may estimate the divine proportion between the level of risk and possible profitability. The best combination of these two parameters provides the best trading results, as many experienced traders say. An in depth analysis of profitability involves evaluation of possible level of risk, estimating potential profit, probability of success, time for implementation of a transaction. Only if a trader has got clear view towards all of these criteria, he should engage into currency trading.

Keep in mind time criterion

Risk is always treated as an integral part of profitability, but concluding a transaction when risk exceeds profitability is a serious mistake. The main principle of risk management is that the best trading opportunities are those providing high profitability with low risk. Evaluation of time is also important as time restrictions may affect trader`s activity. For example, if a trader is not capable to monitor his screen for the whole day, intraday trading would not fit him. If he has no time to follow and control the trades, the degree of possible losses increases dramatically. The best trading opportunities should fit trader`s time criteria.

When a trader assumes the outcome, the position is viewed as a simple instruction to act and if a trader has no understanding of characteristics of the trade, it is better to stay away from trading. Tracing the history of trades is also useful, however, every trade is unique and should fit individual characteristics of a trader in order to attain success in the long run.

Investment requirements

Besides, every trade is supposed to fit investment requirements of traders. This definitely would vary from one trader to another one. Everyone wants to make money, however, risk should be estimated. Traders are advised to choose the most appropriate period of time for trading as well as regularity of conducting trades.

Unless a trader completely assumes what he is doing he is required to start with small portions. Fractional lots would not bring high profit, but they would help you eliminate the risk of being swept away from the market.

Keep in mind these principles as they will help you become a more successful trader. Never let profitable trades hamper your further considerations. Only one possible mistake may spoil your trading result. Each trader ought to start form small portions and let your account grow.

Wednesday, June 30, 2010

June Entrecard Top Dropper



# of drops
Aid Credit 23
The Last Bear 21
Lakbay Philippines 17
Confessions of a Fitness Diva 14
Learning How To Make Money Online 14
Doing Business 14
Balance Your Budget Today 13
The Sweet Life 13
TehBUZZ 13
Forex, gold trading 12

Be happy

While people own several diversified purposes,there is an almost general fundamental goal :to be happy!

There are lots of things which make us happy,but often we stress over not having accomplished our purposes or ,worst ,we reach them and we discover that we are not happy yet .This may be bedeviling and implores the interrogation "how does one accomplish the goal of being happy?".

Researches show that happiness is a mood that does not have to do with tangible goods or great accomplishment,it appears to wear away to your expectation about living and the quality of your relationships with the others .

Most of us spend a lot of time producing money because we think that they are going to bring happiness in our life or they will defend us against matters which can make us unpleasant.We should know that jobs gives us happiness..

Lifestyle is just component of the happiness equation.Your mental attitude about living and the matters which encounter to you daily may also affect your general degree of felicity and life gratification.

So lifestyle characteristics have an important impact on individual happiness levels,but what is more significant is ones posture towards life.

As we all know , optimists incline to be happier then the others because they have a specific way of thinking which offers more achiever,dandier wellness,great satisfaction and they have an internal locus of control; they believe that they are the masters of their destiny instead of victims of hazard .

Most people have done everything that was possible in order to have the best career and they are successful ,but still unhappy..It is also common that you are surrounded by a wonderful house ,a great car and stuff like that and you still have little individual satisfaction.What make you happy?

It can be said that there lots of factors which make you happy but you should keep a balance between them:social affirm,individual evolution,personal wellness and significant goals,financial security and meaning career.These factors combined are expected to bring you the happiness that you are waiting for.

Try to be happy! Make some positive changes in your life gradually ,following three important steps:

- for the beginning,adjust belittled gettable goals

- then ,repay your advance for every small purpose ,offering yourselves the opportunity to be proud and to have an reward

- and ,finally ,do not forget to draft social support.Tell the others about your successes,this is going to offer you more strength and will make it less likable to abandon.Explain yourselves to the ones you care!

Wednesday, June 16, 2010

Using A Savings Account Wisely

Many people have a problem using a Savings Account and therefore don’t find themselves using it at all. It is possible to use it and not even know that you have. Here are a few tips to help you not only setup a Savings Account and make it work for you.

First, go talk with your bank. Sit down with an Account Specialist and find out what options that they have available to you. Many banks today have the ability to take your direct deposit and automatically move some of that money into a Savings Account for you. They may require that you get in touch with your employer and fill out a new Direct Deposit Form but if it helps you to save some money it is all worth it. Then each time you get a direct deposit some money will get deposited into your Savings Account.

Additionally, your bank may also have the ability to take an amount of money each month and deposit that directly into your Savings Account. By setting up this auto-deduction you won’t have to think about making the deposit and you will find that your Savings Account will get its money each and every month.

Having a Savings Account is really important for you and your family. It is the start of building an Emergency Fund. Having an Emergency Fund is important in building a good financial picture and having good credit. Staying out of your Savings Account for anything other than a true emergency is often difficult to do but it is really important that you learn to leave it alone. Money in your Savings Account can help you in many ways if you learn to control your urge to use it.

So setup a Savings Account and make a deposit to it each month. This will not only help you financially it will help you learn to manage your money. This money management will help you build up your credit score. Having a Good Credit Score is very important in today’s economy.

Thursday, June 10, 2010

Work Home Options Are Endless

There are many enticing "claim to fame" schemes on the net. Nowadays with so many scams, the hunt for finding work home freedom is a task many resort to throwing in the towel. But did you know that the possibilities are endless when it comes to working from home? Keep reading and I'll prove it.

Now keep in mind, it will not be easy and please do not be deceived into believing that you'll be rich in a matter of months by doing nothing. It takes hard work and dedication to build a substantial amount of income working from home. Come up with a plan and understand that you may have to continue working in Corporate America for some time before you’ll be able to transition to a work home career.

Let's begin by your niche. What can you do well? Can you type really fast? Can you design web pages? Do you understand HTML? Do you know Photoshop? Do you like to chat and interact on social networking boards? Are you into advertising or sales? Are you a writer or an expert in a certain field? Do you have a degree? Do you like to read, watch movies, or play games?

Even if you are not experienced in your particular field of interest or have yet to hold any certifications, once you discover your passion, you can always read it, study it, and become an expert. Then use that expert knowledge to your advantage to create a nest of work home income.

Start by doing some real research on your interests. Get as much information as you can and document it for memory.

Then plug into message boards, groups, forums, and other online social networking sites. You won't believe the amount of information you can find everywhere you search. I'm sure there is a forum for just about any topic you can think of. It's a good idea for you to register with the ones that are pretty heavy in traffic. Then you can search the boards, ask questions, and get connected with individuals just like you.

Next, begin hunting for others successful in your field. If possible, contact them. Interview them and ask for the best avenues to get started. Remember, nothing stays the same and what has worked for one person does not mean it will work for you. Your goal is to get as much information on the subject and decide what is best for you to try or lay to the side.

So now that you have the basics of how to get started, let's talk about some ideas:


Writing has become an extremely popular way to earn some extra income. If you never thought about writing before or the thought of writing leaves a bad taste in your mouth, then think of it in a different way. Think of as a journal, or writing your thoughts down on paper. It can be as basic as you want or as challenging as writing a short story. It is entirely up to you. Either way, you can get paid for both. You can write for card greeting companies. You can blog on virtually anything that interests you and in time gain readership and even earn profits. You can write e-books or how-to articles. You can write reviews, do article rewrites and even write business letters for profit. Did you know you can get paid for posting on forums? That's right. Webmasters will pay from .10-.25 cents or more for people to help bring traffic and post messages on forums. So the realm of writing is an amazing journey. Decide where you fit and conquer your wildest dreams.

Sell Your Stuff

If you have not heard about Ebay, then you've been in a cave far too long. But the claims of Ebay are not overrated. Someone auctioned off a cornflake in the shape of Illinois for over $1300. You can Google it to get the facts. Talk about finding ideas that make money. With that being said, you can auction off anything. Amazon and many other auction sites have emerged from the Ebay craze. This has been done for years. It is true what they say: One man’s garbage is another man’s paradise. That being said, you can shop for merchandise at garage sales, library sales, thrift stores and even stores that are going out of business. There are companies that center their business around garage sales. A lot of times there are tons of items left over from a sale and for the sake of time, people just want to get rid of their stuff. So companies will offer to load it up and take it away free of charge, in an attempt to make profits of it. You can do the same. You can even offer to sell people’s merchandise for them. There are stores all over emerging just to do this sort of thing.

Internet Marketing

Are you good at marketing a product or web advertising? Well there are literally thousands of affiliate programs out there where a company will allow you to share in the revenue of a sale by referrals. If this is something you are good at, this can prove to be very lucrative. It is important to choose a product you believe in as well as something relevant. It’s good to aim your product in something that fits your interests. For example, if you love music, you can promote sites that allow you to legally download music.


Are you into crafts? Have you ever walked around the house and thought, I can make that? Well if you’d rather own things created by you and love the thought of making profits from this, then making crafts is your baby. There are many ways you can let you light shine through crafts. There are baskets, sewing, knitting, crocheting, quilts, and so on. You can market your own business and earn profits from customers in your area. It would be great to partner with craft stores and other companies of interest. They may allow you to advertise and even teach classes to those wanting to learn.


These days, you don't have to become a photographer to make money selling pictures online. There are many sites that will pay for your pictures and you can sell the same photo to hundreds of websites. And you don’t have to be a model to get photographed. Say your friend likes to take photos and you look cute in a business suit. That can be a great way to earn money for your hobby and gain some fame at the same time.

Amazon Turk

Amazon Turk allows you complete simple tasks for people needing work online. This can involve answering questions, researching, writing, typing, etc. The pay doesn’t amount to much. But of course the more tasks you complete, the more your revenue adds up.


If you already possess a substantial amount of money or know where you can get it, you might want to learn to invest it. This is like playing the lottery but better because your chances of making a return or far greater than scratching a ticket. There are many opportunities and different ways you can invest. You can get involved in stocks, day trade, and even flip websites. Flipping websites allows you to buy a website, y tweak it, use some strategies for increasing traffic and sell it for an even higher profit. Search around and do some extensive surgery on this topic. The reward is worth the wait to know what you are doing.


Can you design images, t-shirts, ads, draw cartoons or even build websites? You can make a living doing this, once you research and have the keys to know where to begin and effectively target your audience.


Freelancing is great because it allows you to decide the areas of work you want to do and market your skills to those seeking workers. One of the best sites you can get resources and information from is

Mystery Shopping

Mystery Shopping is like a job but with lots of flexibility. This is the way this works. Once you register with a company, they alert you when an assignment is open in your area. Let’s say you are to shop a convenience store. You will have instructions on the amount to buy and sometimes the items to buy. It will be cheap ranging from 5-10 dollars and you are reimbursed. Once you pay for your item, you fill out paperwork detailing time, manner of employees and cleanliness. This paperwork is either done online or faxed back to the office. Payment for a shop such as this can be from $8-$12 dollars. You don’t make much money but if you have lots of assignments in your area, you can create a pretty nice sum of cash month-to-month. Mystery Shopping can include restaurants, hotels, malls, clothing stores, apartments, and more. is the best resource for shoppers and hiring companies.

Paid Reviews

There are lots of ways to get paid by reviews. hires for reviewing websites. hires for writing software reviews and there are many more that do the same. Just write about what you like. That way it won’t be boring. Like books, games, movies? Well whatever your passion, you if you search, you can find a way to write about it and get paid.

Virtual Assisting

Virtual Assisting involves every facet of administration without going in the office. It encompasses phone work, clerical duties, and online work at the same time. You can offer anything from building lists to submitting to directories. You can even get certified and add a boost to your skills and expertise. You can start creating a market for yourself in your local area. Call businesses and introduce yourself. Think about the type of person you can assist and target them. For example, you obviously wouldn’t target a supermarket but what about a real estate agent or someone who provides car repair and so on. Your skills would be of use to their business.

Tech Savvy

If you are good at tech stuff then you can do a host of things. You can host forums, chat servers, answer questions (there are sites that pay for your technical input like support geeks and such...), offer hosted email, install applications for others, provide application testing, load testing, create a domain registrar, etc..

Sell Your Videos

You tube isn't the only way you can get your voice heard. Many people use youtube as a way to grow their business. Know something the average person doesn’t? Package it up and record it. Offer a free sample demonstration then promote the site to sell your services.

Know Techniques

You can start a subscription site or newsletter where you can sell secrets or knowledge about anything to people that are interested such as gardening, quilting, fashion, internet secrets and more.


You can always partner up with a business and sell something that you are passionate about. This can prove to be profitable or a waste of time and money depending on the training, the time you put into it, and the manner in which you market the products. Understand that in most cases there is a fee associated with joining a business and there may be additional fees associated with marketing materials, business cards, fax, scanner, as well as online advertising resources. Start by choosing something that you can see yourself doing as a career. Research different businesses in your chosen field and discuss the opportunity with those already a part of the business or at least can contribute experiences regarding their service. Do your homework and make your decisions accordingly.


There are companies that hire for positions that pay per hour, by commission, and by completed assignments. These jobs are everywhere. They are posted on job boards, forums, and the like. Remember to never pay for a job, understand the job you’re applying, and make sure you are qualified before sending your information. Your resume should be top notch and always treat applying for a work home job just as you would an outside job.

There are websites that can help by providing a list of legit employers that hire home workers for a fee but if you have the time, you can search on your own and find great eggs out there. It does take time but a mist the scams lie treasures that can truly lead to work home freedom.

I wish you well on your work home journey and hope that I have brought some encouragement to your search. You can do anything you put your mind to. Remember the worst thing you can do is give up. Keep trying and success will come.

Monday, June 7, 2010

Effective online marketing campaign for your Home Business

One of the very first objectives of a home based business owner should be developing a marketing plan. And one should not wait for getting the business up and running to initiate a marketing campaign. You should start finding new customers as soon as the seeds of the home based business are sowed in your head.

Although the plan may and should be tweaked as you move ahead. Following are a set of tips which can help you out in reaching out to potential customers and not only making them buy your stuff, but bringing them back again and again.

1) You can do a lot of good to your business by just talking about it and spreading awareness about among your inner circle of friends and families, people who you interact regularly. You might get your first customers from them or from people they personally know.

2) Leverage your email signature. Include a link to your website in your email signature and a small 1-2 line description of it. Include it in all of your mails, be it a direct message or a joke you forward. People whom you email, may forward your email further, getting you an exponential recognition.

3) Set aside a monthly budget to use programs like email marketing to an existing opt in list, pay per click advertising and affiliate marketing. Do it gradually and don't spend it all with a bang. And never ever indulge in anything which creates an image of yours as a spammer.

4) Make sure to regularly update your blog or website. Search engines have an affinity for good content, written with a good keyword density. If possible make a provision for your readers to interact among each other. But never ever copy content. You would end up getting penalized.

5) Track your PPC campaigns regularly. Keep an eye on what keywords are performing well, tweak a lot if required but do it with care.

6) Try everything you can to provide your customer with a positive and WOW experience when they are on your website. Satisfied customers bring repeat business which does not cost a lot and help in word of mouth publicity too. You never know if your product is interesting you may end up becoming the next big viral success :)

7) Try to build a emailing list for yourself. And keep on sending regular updates, offers, website changes info or any other promotional offers. These could be random or monthly, weekly newsletters. Or it can be just useful information or article related to your niche.

It will always help in long term if you keep costs to a minimum, even when times are good. And keep yourself updated and keep on looking for new opportunities.

Monday, May 31, 2010

The Best Way To Start Home Employment

Whether you have been laid off or simply searching for an additional way to earn money from home, you wouldn't want to make the mistake of rushing into something you do not know otherwise you could take on something that you really dislike. Rather, you want to sit back and carefully examine all your options. Most people do not even consider the opportunities they have to work from the comfort of their homes. If you are interested in earning money from your home, in this article you are going to discover several ways to get started in home employment.

A lot of individuals often get involved in home employment when they develop an idea for something they are passionate about. For instance, if you love pets, you could launch a website about pets and become an affiliate of a company that sells pet related products and list the products on your site and you have your own business capable of generating thousands of dollars monthly.

While other people may prefer the idea of selling their own products via the internet. There are numerous alternative for the people who are crafty. You can market your product in online auctions sites, sign up as a member of a craft-selling business site or even setup your own website to promote your products. On the other hand, if you do not have your own items to market, you buy products through wholesalers as well as drop shippers.

Less creative people may simply visit the job boards for a variety of opportunities to earn money from home. You will discover there are several different types of jobs you can execute from the comfort of your home, such as the multi-level marketing business, data entry jobs, virtual assistant, online paid surveys, and freelancing. Since there are many opportunities, it's best to find something that interests you. Just ensure you do a thorough research on the background of the company to protect yourself from the scams circulating on the internet.

As a matter of fact, there is no best way to start a home employment. People all over the globe are carving out their own niche by choosing to do something they are passionate about. If you are currently searching for a new job or ways to make money, ensure you consider earning money from home before you make any decisions.

Sunday, May 30, 2010

How to Make Money Working from Home

You want to make money but not from another job or a second one. You can make money working from home in addition to working your regular job or in place of working for someone else. Following a few basic steps can take you into another category of existence and help you become an entrepreneur.

Choose a Home-Based Income Opportunity –

Not only can you earn money from home, you also get the chance to do something you enjoy. There are home income opportunities that will suit your interests and talents as well as allow you to make money.

How do you choose? Take a look at your hobbies and your areas of expertise and evaluate which ones you would like to spend additional time doing. Next, consider those ideas that there is a market for, those things people will pay you to do. Perhaps you no longer want to work in your current field and you want to get involved in a new market. You can choose an opportunity that is easy to learn and provides the necessary training you need to get started. There are a variety of possibilities to choose from that you can do from home.

Set Up Your Work Space and Schedule –

Now that you've chosen what you want to do as your home-based business, you will need to determine where you will work. Do you already have a home office or do you need to create space? Take into consideration everything that is required to run your business including inventory, supplies and finding a space large enough to accommodate your work. If you don't have a room in your home that you can turn into an office, perhaps you have an area in the basement or in your den.

Running a business requires time and setting a schedule will help you to stay focused and get your tasks completed. Working at home can provide distractions such as the television, the kids or even friends and family that like to drop in to visit from time to time. If you set aside a certain time for the days you will work on your business, you'll develop a successful routine and everyone will learn to respect your work time.

Earn Your Income –

Learn all you can about the industry you've decided to go into and use that knowledge to build your business. Understand what the competition is doing and make sure you are in a position to compete and be successful. Make sure the product and or service that you are offering is what your potential consumers want and be sure that you provide excellent customer service.

Market your business regularly to your target audience and tell everyone you know about it. The more people that know about you, the greater your potential becomes to gain more customers and increase your profit. Ask people for referrals and add additional products and services to provide more value as well as the ability to earn money through multiple avenues.

Now that you know what to do, why not get started right away? You can make money working from home to supplement your current income or to earn even more money by working for yourself.