How To Make Your Money Propel You Forward, Instead Of

September 14th, 2010 - 

How To Make Your Money Propel You Forward, Instead Of Hold You Back

When we are planning for our finances, we must decide how we will measure our success. One measure is achieving Financial Freedom but what does financial freedom really mean?

The term financial freedom is thrown around both by traditional financial planners and investment advisors, as well as every infomercial get-rich-quick scheme. Typically, most of the schemes are using the term to mean being so rich you never have to work again. But really financial freedom means being released from uncertainty and being able to confidentially know that you will be able to meet your life goals that your finances (or lack thereof) are no longer holding you back from achievement.

This may mean that you have enough passive income (through pension, investments, business ownership, or real estate rental income) to finance your basic expenses. Or, it may mean that you simply know how to use your income, and investments, to create a life where financial issues are no longer holding you back from your goals.

But what I think is not important — What does financial freedom mean to you? If you lived in a world where you KNEW that you were going to be able to reach your goals, and you KNEW exactly what to do to reach your goals, how would that feel? What words come to mind when you think of financial freedom?

Action #1: Brainstorm some words that mean financial freedom to you. When I say brainstorm, I mean no filter, no editing, no judgment just jot down some words, emotions, verbs, adjectives, feelings that mean being free from financial issues, according to you.

So, whats the point? Why are you here, trying to learn about your money?

The answer is your Financial Vision. Your Vision is your objective, or ultimate reason, of why you want to master your finances.

Imagine — you have a Financial Action Plan sitting in front of you on your desk, table, or lap. This Plan spells out the exact steps you need to achieve your goals. You now know exactly what you want to do, and feel confident that you will be able to complete these tasks.

How does that feel? What does it mean to you? And not just whats in your head how do you feel in your body are your shoulders relaxed? Your achy, stressed-out stomach relieved? Do you sit up straight, chin high?

Imagine you have achieved your major life goal, that goal that you are worried about right now. Maybe its paying off debt, buying a house, starting a business, sending kids to college, or retiring from your job. Whatever it is youre there. All the tasks are completed, youve done what you needed to do, and you have achieved your most important goal.

Where are you? What are you doing? How do you celebrate?

This Vision of Success is your motivation. When you are thinking about procrastinating, spending your savings, taking a lump sum to buy a new car you dont really need, chickening out on taking a risk you refer to this Vision to remember why you are here. Why you are learning, sacrificing, taking risks, making change so you can reach this Vision of Success that you have envisioned.

Action #2: Create your Vision of Success. Write a few sentences, jot down an email to yourself, sketch a drawing, make a collage. Now post your creation on your bulletin board, log it into your blackberry, stick it in your wallet, save it as your desktop wallpaper wherever you will see it every day as you make your financial decisions this is your motivation to make every decision in a way that agrees with your goals.

Are you a perfectionist? Do you feel that your tasks are always unfinished? There is always one more thing, you have never really done that much, you always have more to truly reach your goal.

If so, you are probably not acknowledging your accomplishments and this lack of finality, of celebration of a job well done, may be holding you back from success.

We all have done something on our finances. Youve paid off a credit card, bought a house, opened up a 401(k), raised your retirement contributions, saved money each month, met with an advisor, opened up a life insurance policy. So you say, no, not me, I havent done anything yet? You subscribed to this eZine, and are actually reading it! A major accomplishment!

So, did you celebrate? Did you take the time to rejoice in a job well done?

Designing and implementing your new financial plan is a long process, which may take you months to complete. To maintain your positive attitude, you need to acknowledge each step along the way regardless of how far you are from your ultimate goals.

Action #3: Make a list of everything good you have done about your finances the tiny to the huge. Celebrate Each and Every One of Them. Buy a package of gold stars to paste in front of each item, eat a mnm for each task, spend five minutes getting a message per each completed event, drink a martini for each accomplishment

Whats holding you back from taking the next step on your finances?

Simply, you are.

Perhaps you have some technical issues that need to be addressed finding the right person at the pension administrator to give you the projections, figuring out how to fill out the forms, allocate those accounts, find time to schedule the appointment. But you can deal with all of those issues, with minimal, if any help. Why havent you done it?

The Real Reason is likely some issue you have about money, finances, or success. We are all walking around with personal issues from our past experiences, in childhood, our teenage years, our prior relationships, or from our friends and community. Rules such as people like us can never be rich, money is the root of all evil, corporations are evil, women are not good with money, I dont know anything about money, Im just going to get into debt again, whats the point?

Until we figure out what these issues are, you will continue to subconsciously hold yourself back from taking the next Action Step you know you need to take.

So how do you discover those rules? One way is to keep track of your Roadblocks. Where do you get stuck? When do you stop Taking Action on your finances? Do you see a pattern? When did you start doing this behavior? Do you know anyone else who does this?

Action #4: Start a log of your roadblocks. Brainstorm a list of action items you currently know you need to take on your money, but have not yet done so. List your excuses. See a pattern? Do you see a Real Reason emerging? If not yet, dont be discouraged, it may take some time tracking your roadblocks for your Reason to emerge.

How To Make Your Computer Print Money In 6 Easy

September 12th, 2010 - 

How To Make Your Computer Print Money In 6 Easy Steps

I bet that got your attention, didn’t it? I’ve been working on my headlines. Sorry to disappoint you but this article isn’t about counterfeiting or how to get rich quick. It’s about how to create a successful website which will draw lots of traffic and make you lots of money.

This is an enormous subject and you could write a book on each different step. I’m just going to provide a general outline here of the 6 crucial steps to creating a website that’s successful over the long term.

1 Pick Your Niche

Choose something you enjoy researching and writing about because you’re going to spend a lot of time doing both. It shouldn’t have a lot of competition. For example, don’t choose “electronics.” I guarantee you’ll never get a better ranking in the search engines than Sony or Amazon.com. Narrow it down to something like “high end audiophile speakers”.

Do some research. Check out how much your keywords are going to cost for advertising. If they’re really expensive you might want to choose another niche. Check out some sites with similar subject matter so you can see who you’re going to be competing with for rankings in the search engines.

2 Choose Your Service Providers And Register Your Domain

Your service providers must be reliable. If your internet connection is always going down or your server is constantly crashing it’s going to be difficult to maintain a successful business. Don’t skimp on quality just to save a few pennies here.

Your domain name should contain your most important keyword that you’re hoping to rank well for in the search engines. It should be something unique that’s related to your niche and easily brandable. By brandable I mean easy for people to remember and associate with your site. Some call it “mindshare”.

3 Create Your Content

Your content must be unique. If you’re content is plagiarized, Google will tend to ignore you. They now recognize duplicate content and refuse to list it. They want to provide their users with useful results. People have been slapping together crappy “made for adsense” websites by just copying and pasting content and Google’s decided to put an end to it.

My advice is not to mess with Google. They’re the 900 lb gorilla of the internet that you really don’t want to piss off. If you can’t get listed in the search engines, you’re pretty much doomed from the start. So give them what they want. You’ll need 30-100 pages of good content before you even put up a website. You could just start with a few pages and add a page day like you would with a blog but it will take you longer to get indexed. Are you noticing a theme about the search engines here?

4 – Create Your Website

You’re either going to have to use a program like Dreamweaver or a Content Management System. I’d suggest considering a CMS. You’ll need to update your website frequently, and even for experienced web designers this can be difficult. A CMS removes all the hassles of publishing new content daily. However, you have to make sure your CMS is search engine friendly. Probably the easiest thing to do for a beginner is use a blogging program like Wordpress. Search engines LOVE blogs, they’re very easy to update, and best of all Wordpress is FREE.

You should create the website with search engine optimization in mind right from the start. SEO is a very in-depth subject that I can’t get into here. Basically, you’ll want to make sure your website can be easily crawled by the search engine robots or “spiders”. This requires all kinds of things like proper meta-tags and making sure you have good keyword density on your pages.

Also, you MUST make sure all your pages load quickly. Much of the world still doesn’t have broadband. The average surfer will only wait about 4 seconds before they click off elsewhere. If your pages load too slowly you will be losing massive amounts of traffic. Navigation is very important as well. If people have a hard time finding their way around they’ll quickly get frustrated and leave.

5 – Drive Traffic To Your Website

Setting up a business on the net is different than at a physical location. In the “real” world it’s all about location, location, location. If your store’s in a high traffic area it’s easy to get customers. But on the net no one just passes by, they SEARCH for specific things. Until your site is listed in the search engines there’s no way for anyone to find it – It’s up to you to drive traffic to it.

There a several ways to do this:

You can buy it by creating ads and then bidding on certain keywords so the ads will show up whenever anyone searches for them.

You can get it for free by:

- Writing articles on your niche topic with a link to your site in the author’s resource box, and submitting them to article directories so publishers can use them and distribute them to thousands of readers.

- Submitting your site to free SEO friendly web directories.

- Social bookmarking some of the more interesting pages on your site at places like del.icio.us and Blink.

- Submitting some of your articles to sites like Digg or Reddit, where people vote on whether they should be displayed on the front page. If you’re item is popular and gets displayed on the front page of Digg, the amount of traffic you get could crash your server. I’m not kidding, I’ve seen it happen.

- Participate in forums and provide a link to your site in you signature. Don’t spam or you’ll get banned make intelligent comments.

- Comment in blogs with a link in your sig. Again don’t spam. And make sure the blog isn’t using no-follow or you’ll be wasting your time.

- Post free classified ads. These provide a high value link back from a popular site, plus you get free targeted traffic to your website from the ads.

- There’s many ways to get free traffic just be creative but don’t be too creative. There’s a lot of illegal ways to get free traffic as well but they’ll backfire on you in the long run.

6 – Monetize Your Website

This is the fun part. Now that you’ve got all this traffic how do you make money?

- You can sell advertising – probably the easiest way is with Google Adsense. You can also sell banner space, text links, almost anything really.

- You can sell merchandise – I’d suggest drop-shipping. Why do all that packing and shipping if you don’t have to? That’s too much like work.

- You can do affiliate marketing – one of the easiest ways to do this is to feature recommended products that link through to your affiliate’s site for purchase. Just make sure you choose quality products to be affiliated with.

- The sky’s the limit when it comes to monetizing your website. Be creative here too but again, not too creative. You don’t want to do anything stupid and get banned from Adsense or your best affiliate program.

And there you have it. How to make your computer print money in six not so easy steps. Now get going and have some fun!

Start Using A 0% Credit Card Today

September 11th, 2010 - 

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It would have been unthinkable just a decade ago, but now it is common place in the UK to hear of zero per cent credit cards. Brought about by fierce competition, both from UK and American lenders, and also by historically low interest rates, zero per cent credit cards have become extremely popular. Today, it is almost impossible to find a lender that does not offer some form of zero percent credit card. They simply have to if they want to compete in the business as it is run today. However, before you start signing up for a zero per cent credit card, you should be aware that there are different types of zero per cent card and you will need to be aware of what it is you want to use the card for before you decide which type is right for you.

The first thing to consider is cash advances. These are typically charged at higher than normal interest rates and it is still extremely unusual to find a credit card that will give you a cash advance at zero per cent. So if you are looking for zero per cent cash, then it is unlikely that a credit card is going to give it to you.

Zero per cent purchases however, is something you might have a better chance of getting. There are now a number of cards on the market place that offer customers zero percent on new purchases. So if you would like to for example buy something large and expensive, and cannot get a good financing deal to fund the purchase, then perhaps buying it on a zero per cent on purchases credit card would be a good way to go. You will be charged no interest at all, and will have the entire interest free period, usually of six to nine months to pay back the amount without incurring any interest charges.

Probably the most common form of zero per cent for a credit purchase is on balance transfers. So if you find yourself paying a lot of interest on existing credit card balances, then you could look into transferring this balance onto a new credit card that offers you zero percent to do so. This has the potential of saving you hundreds of pounds in interest payments.

Finally, if you are one of those customers that is in the habit of paying off your credit card bill in full every month, then you will not need a zero per cent card at all. This is because you already pay no interest. In this case you would be better of looking for a card that offers some cash back or other form of reward rather than a zero per cent interest.

How to Make Super Fast Money Everytime

September 9th, 2010 - 

Do you believe that you can make money super fast? I hope that you believe that making money super fast is not a pie in the sky dream. Many people will have you believe that its impossible to do so but I am here to tell you that you can make money fast and you can do it again and again, when you understand the following steps. These same steps have made me lots of money again and again.

1) The first and foremost step to making money fast is to connect with the needs of others. Research that need to help you discover the extent of that demand. When you find that need be prepared to become the solution.

2) It is not necessary that you have a great big idea. Many of the wealthiest people started with the smallest and most simple ideas. When people want a solution to a problem they are focused and determined to get the simplest route to fixing the problem. If you have the solution to the problem they will eagerly pay you for it.

3) If you want to make money fast you are not going to want to spend lots of money first off. That would completely defeat the purpose of acquiring money. The secret then is to find a solution where there is little over heard and a small start up. You want to start small and create a large profit.

4) Now that you have the practical aspect to making fast money you need to combine it with the most powerful ingredient. This ingredient is so powerful that millionaires swear by it. People who use it to increase their business sales swear by its amazing and magical ability to help them create large amounts of money super fast. I can say though years of experience that it works again and again. That fourth step is to change your mindset about money. You must alter your physical and internal reality in order to suck money towards you fast.

It is easy to become a money magnet and make money fast when you have the right mental and spiritual balance. Making money with these steps can literally change your life overnight.

How To Make Some Extra Money

September 7th, 2010 - 

When applying for a job, one of the questions might be how much is the desired salary. If the asking price is too high, the chances of being called back for a another interview or being accepted are slim. Should it be low, the applicant might get it and is probably selling oneself short.

This can be avoided by doing some research. There are salary indexes available from various sources, which could tell the individual the right amount for the desired position.

No matter what happens, it may not be enough for the employee. It is too early to ask for a raise so something has to be done to make some make extra money. Here are some ideas for those who dont mind getting a sideline.

1. Items on the shelves dont sell that much without a little promotion. The person can get a part time job as a clerk handing out product samplers. There are some companies who give the employee commission aside from the basic salary for being up there in front.

2. Who doesnt love parties? Believe it or not, this is the strategy that a lot of direct selling companies engage in when selling a product. Some examples of these are Amway and Herbalife wherein an agent will demonstrate something with astounding results that gets people to buy the merchandise.

3. A lot of movies are made every year and even before it hits the box office, the producers already know if it will be a hit. How? By having special screenings to an audience that will view and rate it. The person will just sign up and join the other viewers then get paid after answering the questionnaire.

4. For more than 50 years, talk and game shows have hit the airwaves. Some of the people who buy tickets are really there to watch it. Not everyone in the audience is there for the same purpose because some are paid to cheer.

Is it boring to watch a movie or a show? No because it is a different film and topic every time making each one a unique experience.

5. The best way to create brand awareness is advertising. This isnt always done using ads in billboards, TV or the radio. A cheaper way to do this will be to put ads on a bus, a taxi or the persons car. The individual will do the normal routine like driving to and from work and get paid for ads that are seen along the way by the public.

6. Companies engage in market research before launching a new product. There are different ways of doing this but it will be great to participate in a few and get paid for it.

There are other great ideas out there that can make the person earn some extra dough. The nice thing about it is that each assignment should the individual decide to take it is short which will be finished in a short period of time.

Those who want to check it out should probably do some research first to know if one is up for the task or not. This will help the person decide whether the amount to be paid is commensurate to what needs to be done.

How To Make Risk Free Betting Money With Predicting Betting

September 5th, 2010 - 

How To Make Risk Free Betting Money With Predicting Betting Odds And Lines Changes

If you treat online sports betting as an investment, then you CAN make nice betting profits on a regular basis.

What I love about making money in sports betting is a simple fact that all the money that you earn with sports betting is tax free.

Yes – you keep all the money (at least this is the case with most countries in the world).

Sports betting is in a way very similar to trading on stock market. Basics of making money on stock market is to buy low and sell high.

Similar is with sports betting – you make risk free betting money by backing at high odd and laying at low odd on most used betting exchange Betfair.

This is such a common and freely available strategy (and used in daily life since human race exist) that it’s actually a paradox that it’s a proven fact that around 98% of people are constantly losing money.

This is maybe caused by emotionally driven urge to beat your opponent (in this case online sportsbooks) or to make fast and easy money by backing high odd winners in horse racing betting.

But what makes a difference between a successful and the average broker on stock market, is also true when comparing a successful and average sports bettor.

And this difference are information and knowing what time to buy (lay) and what time to sell (back).

If you know where to get such betting information and what time to make a move, then you can make risk free money even in such unpredictable industry as online sports betting.

You would be surprised how much useful information are freely available online but I guess it’s true when they say that information is as good as the person that is using it.

But even this can be learned even if you are a beginner in the world of online sports betting or if you have never placed a bet online in your life.

How To Make More Money With Email Marketing

September 3rd, 2010 - 

The number one rule in effective email marketing is to ALWAYS capture every email address of every possible prospect. Here is the way to get started building a large customer list to promote your products and make more money in the process.

First you will need to sign up for a paid membership at a respected autoresponder service. This is not very expensive. It usually costs no more than $20 per month. Either Aweber.com or Getresponse.com are two good recommended autoresponder services. Here is the outline for using your autoresponder to create campaigns that will sell products for you consistently.

Tip #1. Place a sign-up box on every website you own to capture email addresses from your prospects.

Offer them a FREE report or eBook for signing up to your new newsletter.

You will use this newsletter to ‘broadcast’ news, special offers, discounts and clearance sales to your ‘active’ list of prospects at different times as needed. A good tip is to keep your prospect audience ‘on the hook’ and always receptive to your email messages. Build good rapport with your subscribers.

By capturing as many email addresses as you can and broadcasting a newsletter to your customers on a frequent basis (once every 2 to 3 weeks is O.K. for most businesses), you will increase your sales and profits.

Tip #2. When sending out a broadcast, give your prospective customers a FREE offer that complements the product or service that you are promoting in the email.

This could be a FREE eBook or report that might make them more interested in the product that you are selling. Include in the free eBook or report a hyperlink to your product sales page just in case they decide to go ahead and buy your product after reading the FREE eBook or report. You always want to make it as easy as possible for your customers to read, review and purchase your product.

Tip #3. Then in the same email broadcast, give your customers a “preview” of your next email offer. Also include a line or two about the next FREE bonus offer that will accompany your upcoming email to interest them and set up your next product mailing.

It all comes down to meeting the expectations of your customers. They will know what is coming to their inbox next. Who knows, your customer might already be sold on the next offer as soon as it arrives!

Tip #4. When advertising your product in ezine ads, always give the people that are reading your ad the opportunity to get on your mailing list.

In fact, you should be advertising your product for the purpose of capturing the prospect’s email address. You are going to make your sales and profits on the back-end. Avoid trying to sell your product from the ad itself.

To do this, you offer them FREE information, and MORE DETAILS about the product that you are promoting in your ad. Then have the prospect send a blank email to your autoresponder. Follow-up using your autoresponder with a message of your choice that includes the promised information. Also add these prospects to your newsletter mailing list.

Refer to the instructions at your autoresponder service on how to make the hyperlink to your autoresponder and how to organize your new email addresses.

Email marketing makes you more money when it is done right. Follow the tips above and cash in on your company’s new email marketing strategies with ease.

Now you have a way to get people to see your offers at a minimal cost. And you have built up a high level of trust and loyalty with your subscribers. Plus in the eyes of your customers, you always overdeliver. That’s a triple winning combination for your marketing mix. And you did it all automatically!

Skyrocketing Savings With A 0 Apr Credit Card

September 1st, 2010 - 

Every working individual has their own priorities to think of. Some are thinking about the mortgage they have availed when they have purchased their present residence. Others are prioritizing the education of their children through availing educational plans. These are priorities in which they need to invest a portion of their salary.

Despite of differences in terms of setting their own priorities, every working individual is bounded by a common goal-and that is, to save money from their salary, which they can use to fund other important things aside from their everyday living. With prices of commodities increasing nowadays, it is quite hard for every ordinary working individual to budget their salary for various needs. In fact, there are instances wherein they have work other than their regular job to keep up with the increasing prices of commodities and other essential needs.

There are many ways of saving money from your meager salary. You may switch to brands that are quite cheaper from the previous brand that you are using. You may also cut back on the quantity of goods that you have previously purchased. If you tend to buy 5 dozens of eggs for $4.50 per dozen, for instance, you may save a lot if you will just buy 2 dozens of eggs, that is $8.00. You have save some $14.50, which you can use on other expenditures.

If you are planning to get credit cards for your future purchases (if your cash is really not enough), you can save substantial amounts of money by getting 0 percent APR credit cards. Different credit card companies also need to cope up with the change in market conditions, and in order to attract more clients, expect that the 0 percent APR credit card always comes along with their offerings.

Definitely, a 0 percent APR (annual percentage rate) credit card lets you pay the amount that you have actually borrowed from the credit card company, with no additional charges. In other words, if your credit card’s monthly credit limit is $1,000 and it is at 0 percent interest, you will just pay the total amount without any additional charges.

With 0 percent APR credit cards, you will be able to save substantial amounts of money out of interest rate payments. However, in order to qualify for this kind of credit card offering, you need to consider several things first.

1.Individuals who qualify for 0 percent APR credit card are those who possess good credit standings. Individuals with good credit standings are considered by credit card companies as “low risk consumers”. Thus, you need to check first your credit report and clear any bad credit so that you will be able to qualify for 0 percent APR credit card. By the way, you are entitled to 1 free credit report every year.

2.Once you have now a clean credit report, you may now apply for a credit card without doubt.

There are two ways that you can get your 0 percent APR credit card.

a.If you have credit cards at present, you may ask if they can convert your account into 0 APR credit. In most cases, you will be given 0 APR credit for a period of 6 months to a year. Before the term ends, you may set up the 0 APR credit on a different card and transfer the remaining balance.

b.You may open new credit cards that offers 0 APR. However, this is usually an “introductory offer”, thus you will switch to a higher APR after a certain period of time (usually from 6 months to a year).

Your salary is your hard-earned money. Take the opportunity of getting 0 APR credit cards and save your hard-earned money for your future.

How To Make More Money With Ebays Affiliate Program.

September 1st, 2010 - 

If youve been on the web for a while, the chances are that at some time or other you will have taken part in an affiliate program. They generally work by giving you a URL to send people to their site that contains your affiliate number, and then giving you a small amount for each person who comes in using your link and signs up or buys something.

eBay’s affiliate program follows this basic formula, but with a few twists.

It pays a lot. Each user who follows your link to eBay, signs up and then bids on anything within 30 days will earn you $20. Most affiliate programs will only give you something like 10% of the users first purchase. Whats more, for each existing eBay user who clicks through from your site and then places a bid or buys something, youll get 10c.

You can be your own affiliate. If you just link to your own auctions with your affiliate link number from your own website, then youre getting money without sending buyers to anyone except yourself. There arent many affiliate programs that can say that.

So Where Do I Sign Up?

You can visit eBays affiliate program at http://affiliates.ebay.com/. Once youre there, just click Join the Program. You will then be required to sign up for Commission Junction, which is free.

How Can I Get People to Click the Links?

eBay suggest a number of business models for their affiliates. Before people can click your affiliate links, they need to be at your website. There are two ways to get them there using a search engine, which eBay refer to as natural and paid search.

Natural search: This is when someone finds your website in a search engines normal results, either because something you wrote is relevant to them or you used SEO (search engine optimisation) techniques. Be careful not to use any dodgy methods to get a high search engine ranking, though, or eBay might come after you and keep your affiliate money.

Paid search: This strategy involves paying for traffic to your website or directly to eBay, by buying ads on search engines. If you go for this option, its actually worth placing ads on the less popular search engines instead of the big ones: theyll have similar click-through rates as a percentage, but the cost typically wont be anywhere near as high.

Content: What you can do is just have a normal website, with articles on a variety of subjects and perhaps a community forum. Run the website for pleasure, but place the occasional eBay affiliate link there.

Newsletters: Dont ignore the potential of putting your affiliate ID in each time you send out a newsletter. You can get 10c for every bid it generates with no extra work, which could be enough for the email to pay for itself, whether it leads to any sales or not.

Sadly, our time together is nearly at an end, but there is one thing that I have left to show you. Its called the featured gallery, and it could help your sales. Look out for the next email!