MAKE MONEY BLOG

my greatest contender is LINUS OKORIE

2019-01-01T14:02:00.003-08:00

The All Progressive Congress gubernatorial candidate ። ረአድ

in Imo state senator Hope Uzodinma has said his greatest contender in the gubernatorial contest in Imo state is the YPP gubernatorial candidate in the person of LINUS OKORIE he made this known in his home town omuma while campaigning

Hey, I got a gift and I want to pass a gift to you too, OK

2018-11-15T05:41:00.001-08:00

Hey, I got a gift and I want to pass a gift to you too, OK?

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FG utilizes 200,000 graduates, put them on N30k month to month compensation

2016-11-04T07:23:00.003-07:00

The Federal government has utilized 200,000 graduates into the common administration. Exceptional Assistant to Vice President Yemi Osinbajo on media and attention, Laolu Akande, unveiled this today while talking at the second presidential monetary correspondence workshop in Abuja.

"We have chosen 200,000 graduates out of 500,000. This is the principal clump. One hundred and fifty thousand will fill in as educators while 50, 000 will act as expansion specialists. Their compensation which is 30, 000 every month, will go specifically into their account"he said

He included that the graduates would work for only two years in the common administration

Photograph: Administrative Secretary of INEC in Ekiti State abducted

2016-11-04T07:18:00.000-07:00

Dr Muslim Omoleke, the Administrative Secretary of the Independent National Electoral Commission (INEC) in Ekiti State was captured by obscure shooters on Thursday, November third.

Omoleke was captured at Iwaraja people group, close Ilesa in Osun State, alongside his child and authority driver on his way back to Ekiti state from authority visits to Ondo and Osun States. The shooters drove them into a woodland in Ijeshaland and later discharged his child and driver together with the auto.

The representative of INEC in Ekiti State, Alhaji Taiwo Gbadegesin, who affirmed the episode said a report has been made to security offices in Ondo, Osun and Ekiti States, including that the abductors are yet to reach the INEC and the casualty's family.

Likewise affirming the hijacking, the representative for the State Police Command, DSP Alberto Adeyemi, said the INEC boss was not grabbed in Ekiti State but rather in Osun State, which is outside the ward of the Ekiti State Police Command.

I'm not in a faction, the greater part of this is my blame'- S.Korea president Park Geun-hye apologizes for mishandle of force embarrassment

2016-11-04T07:13:00.001-07:00

South Korean president Park Geun-hye, experiencing the most noticeably awful dismissal of a sitting president in the nation's political history, has apologized for the second time this week for the manhandle of force outrage that has shaken her administration tis week

Elected prosecutors on Wednesday issued a capture warrant for Park's dear companion and casual guide, Choi Soon-sil, on charges of manhandle of force and endeavored government misrepresentation, and Park, South Korea's first female president, is being blamed for permitting Choi to see private documents,presidential talks and gathering a large number of dollars in gifts to her establishments in spite of not holding an official government position.

In the expression of remorse made today, Friday, Park said she'll assume all liability for her dear companion Choi Soon-sil's entrance to government reports and was eager to be researched, she even denied being in a clique.

"The majority of this incident is my blame. It happened on account of my disregard," she said in a passionate broadcast address Friday.

"I feel a colossal obligation [for the scandal] somewhere down in my heart,"

"There are even discusses me being inundated in a religion or turning to shamanism in the Blue House. I might want to say this is in no way, shape or form genuine," she said.

"I put a lot of confidence in an individual relationship and didn't take a gander at what was going on".

"Dismal considerations inconvenience my rest around evening time. I understand that whatever I do, it will be hard to patch the hearts of the general population, and afterward I feel a feeling of disgrace and ask myself, 'Is this the reason I got to be president?'"

Stop said anybody found to have done wrong would be rebuffed, and "if essential, I'm resolved to give prosecutors a chance to examine me and acknowledge an examination by an autonomous insight as well".

Stop's evaluating among South Koreans is currently 5%, with 89% having a negative sentiment of her execution since the outrage broke out as indicated by another Gallup survey in South Korea.

Free Money Making Opportunities Online

2013-02-21T09:46:00.001-08:00

Free Money Making Resources Online

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what internet income can do for you

2012-06-09T08:14:00.002-07:00

WHAT YOU WILL LEARN
In this lesson, you will learn the three factors which assure us of continued exponential Internet growth. These three factors are: Moore's Law, acceptance of digital environments, and convergence. You will learn how these principles prove that Internet marketing will have exponential growth and exponential results for decades to come. You will learn how to best position yourself as a home-based entrepreneur to take advantage of the digital opportunities that lie ahead.

MOORE'S LAW
Moore's Law describes the falling cost of digital technology. When my daughter was born in 1980, the price of the memory chip for a home PC was $1,000.00 (not the whole PC, mind you, just the memory). When my daughter was one year old, the same amount of memory cost only $500.00. When she was three years old, the price was $250.00. When she started the first grade, the same amount of memory cost only $62.50. When she graduated from high school in 1998, the price of that same amount of memory had fallen to less that $0.25. Now, as she begins her junior year in college, the cost for the same amount of memory as in that original PC is just pennies. I assure you that nothing else we have purchased over her lifetime has decreased in cost anything like that! We, of course, upgraded the amount of memory we used over the years. Each time we upgraded, we spent about the same amount of money but got more and more computing power. So, what really happened was that our computing power increased by four times every three years for the same cost.
Gordon Moore, one of the co-founders of Intel Corporation, made mathematical observations in the 1960's of the engineering practices which allowed miniaturization in semiconductor technology. This miniaturization applies to processors and other computer components as well as memory chips. What he observed mathematically is that computers can be made four times more powerful every three years for the same cost. Some argue that this same formula has held true for a full century, if you include the mechanical computers of the early 1900's and the old-fashioned transistors that followed.
If you knew that you could get four times more raw materials every three years with no increase in cost in a given business, would you want to get into that business? The overwhelming answer everywhere is, of course, a resounding "yes!"
All businesses, even traditional brick and mortar businesses, must market their goods and services. Because businesses look for the lowest cost to perform their processes, more and more marketing information and marketing processes, even for brick-and-mortar businesses, will become digital.
Moore's Law ensures that Internet businesses, especially Internet marketing, will continue to grow and flourish at an astounding rate. Will Moore's Law continue to hold true in the future? Can engineers keep making computer chips cheaper? Intel's engineers assure us that Moore's Law will continue to operate for several more device generations, if not indefinitely. (http://developer.intel.com/technology/itj/q41998/articles/art_1.htm)

ACCEPTANCE OF DIGITAL ENVIRONMENTS
The next factor that ensures continued growth for Internet businesses is the acceptance by consumers of digital environments. People have taken to Cyberspace. Despite the many predictions to the contrary, people have warmed up to digital environments with enthusiasm. Many Web communities have been formed and their participants report feeling all warm and cozy in those digital environments. Participants have developed a strong sense of identity with some of the digital communities. As Moore's Law continues to operate, our technology becomes more and more capable of producing engrossing digital environments in which even larger numbers of people will enthusiastically participate. Online communities are forming in much the same way that communities have formed in the physical world throughout history—only much faster. The success stories of Yahoo! and eBay and others make it pure folly to think that brick-and-mortar business will go on as usual, unaffected by the Internet.

CONVERGENCE
The third factor assuring a prosperous future for Internet entrepreneurs is convergence. Simply defined, convergence is the coming together of separate things. Convergence is now occurring at both the industry level and the consumer level. On the industry level, computing, communications, and media companies are merging to form such multimedia ventures as MSNBC and Disney's Go Network. On the consumer level, new devices are being used to combine computing with phones and televisions. In the very near future, consumers will replace their phones, TVs, and PCs with one central media center (which may have several satellite devices for convenience and portability). Even our money is fast becoming digital, as we have automatic bank deposits of our earnings while we buy things with credit and debit cards. What this means is that digital products and processes become more and more important as the Internet gets closer and closer to people's everyday lives.

THE POTENTIAL
These three factors—Moore's Law, acceptance of digital environments, and convergence—assure us that the potential of the Internet for the home-based entrepreneur is nothing less than incredible. In fact, the belief in these three factors has been driving our economy for some time now. Venture capitalists are pouring hundreds of millions of dollars into purely digital ventures. In the digital world, the large corporations have to compete, not just with each other but also with the home-based entrepreneurs. The large conglomerates no longer have the exclusive advantage. Given the low cost of computing power, individual entrepreneurs now have at their disposal the raw materials to develop digital products and processes and make them available to the world. Even more importantly, individual entrepreneurs can band together in digital environments (such as SFI's Full-Circle Success) to combine their skills and knowledge and use convergence to their advantage in a very efficient way, rivaling the large companies with the results.

HOW TO POSITION YOURSELF
To obtain convergence, you must bring together computing power, media content, and information processing. To obtain the economies of scale, you should position yourself within a digital community where resources can be shared. Despite the low cost of computing, there is still power in numbers with regard to media content and information processing. To position yourself as a marketer for one of the fastest growing digital communities in existence is without doubt the smartest move you could possibly make right now. Having done that, you can use your individual creativity, skills, and resources in an environment of freedom employing the low cost computing power at your disposal to obtain your financial goals. Due to the three factors discussed in this lesson, there is an unprecedented opportunity available to you right now as an SFI affiliate. You have but to take advantage of it.

WHAT'S COMING NEXT
This lesson introduced you to the big picture. True success, however, is in the details. Beginning with our next lesson, "Introduction to Internet Traffic Patterns," we will begin to address the details you need to master in order to become a successful e-commerce entrepreneur. In that lesson, we will start you thinking about how traffic flows across the Internet. Understanding those traffic patterns is crucial to your ability to interact with Internet traffic in a successful way.

internet income

2012-06-09T08:10:00.000-07:00

What You Will Learn
In this Lesson, you will learn what spam is and why it is prohibited. You will learn how to avoid spamming. You will learn that there are many effective alternatives to finding leads on the Internet that do not involve spam. You will learn the rules of thumb to avoid spamming. You will learn how not to be overwhelmed by the many different sources of spam rules and definitions, but rather to use your common sense and the rules of thumb to avoid spam while still maintaining an aggressive Internet marketing program.
Introduction
The first thing you want to know when starting any new endeavor—and the first thing you are usually told—is what NOT to do. You need to know how to avoid trouble while learning the ropes of Internet Income. And you can get into big trouble by sending spam, also known as unsolicited bulk e-mail.
Later lessons will address the formal definitions and rules of spam. For now, let's take a few minutes to just talk about spam. Unless you are very unusual, you will never memorize all the definitions and rules pertaining to spam (for there are many) and, thus, will never have a foolproof system of avoiding spam technically. If you gain a relatively simple understanding of it, however, you can safely avoid spam just by using your good common sense.
What Is Spam?
There are many definitions of spam. For example, The Spamhaus Project defines an electronic message as "spam" if (A) the recipient's personal identity and context are irrelevant because the message is equally applicable to many other potential recipients; AND (B) the recipient has not verifiably granted deliberate, explicit, and still-revocable permission for it to be sent. Others define spam more strictly. But the most general definition of "spam" is the sending of e-mail that is both bulk AND unsolicited.
When you open your U.S. Postal mailbox each day and see numerous unsolicited commercial advertisements that have been delivered to you, it can make you wonder why unsolicited electronic e-mail is outlawed. Like all laws and rules, we should look more to history than to logic to understand why they came to be. Although the Internet did not become popular with the public until the early 1990s, the Internet has been in existence for a long time. Prior to the early 1990s, the Internet was used primarily by the military and university scientists. These users were conducting what they justifiably felt was important business which could not be interrupted by commercial correspondence. For most of the Internet's history, ALL commercial correspondence was completely banned. Only relatively recently has commercial use of the Internet been allowed at all. Although this total restriction on commercial use was lifted, a restriction on unsolicited commercial e-mail remains—and for good reason.
E-mail has traditionally been for communicating, not for advertising. Unsolicited commercial e-mail is not only annoying but also without restriction and in sufficient quantity, it has the capacity to render your e-mail completely useless and shut down your e-mail server. Unlike snail mail, e-mail can be sent in tremendous bulk with very little effort and very little cost—which would surely result in thousands of messages a day from thousands of sources were it not prohibited. Since many people break the no-spam rules and send it out anyway, we have all had some taste of what e-mail would be like if spam were not prohibited. Spam understandably makes people mad. When they get mad, they report spammers to their ISPs or other organizations or to the government authorities. Bad consequences, such as losing Internet service or even facing civil and criminal penalties, await spammers who are caught spamming. Needless to say, you want to make sure that you never spam!
The Internet covers the entire world. There are many different laws in many different jurisdictions pertaining to spam. Plus, losing your Internet service or having your domain blocked due to spam is a matter of contract that varies from provider to provider, each having its own specific rules about spam in its "Acceptable Use Policy." So, how can you possibly avoid spam when there are so many different rules and regulations? The answer is to use common sense. In a subsequent installment, we will discuss the technical rules and contracts, but for now, let us just show you how to use your common sense to avoid spamming.
The Rules Of Thumb
Here are the basic guidelines for avoiding unintentionally spamming your potential customers and team members:

1. Never use e-mail for advertising with one, and only one, exception: when you have a clear "opt-in" event.
2. When advertising with e-mail in an "opt-in" situation, always supply a working "opt-out" mechanism.
3. Never annoy anyone with any kind of e-mail.
4. Never mislead anyone (in either the opt-in process or in the e-mail subject header).

Now we will discuss each rule of thumb in turn.
Rule of thumb No. 1: Never use e-mail for advertising unless you have a clear "opt-in" event.
Again, e-mail is for communicating, not for advertising. The same is generally true of instant messaging, newsgroups (Usenet), Internet Relay Chat (IRC) and Web-based forums and discussion boards. Your own Website (or another's site - with permission) is the only Internet resource where advertising is generally acceptable. Many marketers are resistant to this, but the sooner you accept this simple truth, the better off you will be. There are many effective ways to use Websites to market on the Internet. These techniques often involve using the one exception to the e-mail rule—the "opt-in" exception—as part of the process. But, the process begins with a Web page, whether that Web page is yours or another's with your ad on it.
The spam rules usually refer to e-mail. If the e-mail has been "solicited," it is not considered spam. Also, if the e-mail is not "commercial," it is generally not considered spam—more on this in later installments.
How do you know whether e-mail has been "solicited"? While there are no hard and fast rules that everyone will agree on, your common sense will provide you with a working definition that should be relatively safe. E-mail is not spam if it has been requested or consented to or if permission has been granted to send it to a particular recipient.
There are two kinds of consent: express and implied. Express consent is where someone communicates directly to you permission to send an e-mail. Examples of express consent are when someone types in their e-mail address on a form on your Web page requesting more information or sends you an e-mail in response to an ad. Implied consent occurs when someone performs some act from which permission can be inferred. An example of implied consent is when someone posts a URL on your FFA page or takes advantage of some other free resource you are offering. (Be careful here, though, the extent of implied consent is very limited.) Implied consent also arises in many instances where you have a pre-existing relationship with someone. Ultimately, the question of whether implied consent exists is a question of fact to be decided based on all of the circumstances of a particular situation. Your opinion as the one accused of spam is not the opinion that matters. The opinion that matters is the opinion of your ISP or local authorities who will decide whether you have spammed or not.
When someone fills out a form or accepts a free service, this is generally referred to as "opting in." That is, they have opted to accept an e-mail from you. When we use the term "opted," we are referring to the same concept as "consent" or "permission" discussed above. Another example of an opt-in is via an opt-in e-mail list, such as Topica, and other such free e-mail list services available on the Internet. If the list's creator allows, and the hosting service allows, ads may be acceptable on the list. The people who subscribe to the list are deemed to have "opt-in" to receive commercial e-mails sent through the list. (Note that the extent of this implied consent is only for e-mail sent through the list. If you send the list members e-mail directly, rather than through the list, you will be spamming.)
If you are accused of spamming, you will need to be able to clearly establish a documented opt-in event to justify the e-mail. The e-mail you sent must also be within the scope of the opt-in, or you will be guilty of spamming.
So, the bottom line is that e-mail is NOT a tool you can rely on to generate leads or new customers. Rather, e-mail is a tool that can only be used in conjunction with some other resource through which an opt-in can first be established. However tempting it is to buy a CD of over a million e-mail addresses and blast your ad out to them, do not do it. You will be spamming if you do.
Rule Of Thumb No. 2: Always supply an opt-out mechanism
Even when you have a clear opt-in event (which is the only situation where you should be sending commercial e-mail), you must include an opt-out mechanism in the e-mail. You must give the recipient the option of communicating with you that your e-mail is no longer welcome. The mechanism you use must work to get that communication to you in a timely manner and you must immediately obey the opt-out request. Opt-out mechanisms are generally of two types. One is a line in the e-mail that states that one can reply to the e-mail or send an e-mail to another stated address, putting "REMOVE" in the subject heading. The other common opt-out mechanism is to supply a URL in the e-mail, which if clicked on, will automatically remove someone from your mailing list. Either one is fine—as long as it works.
A belief commonly held among Internet users is that opt-out mechanisms are untrustworthy. It is often advised that the process is used by unscrupulous marketers to confirm that you have a working e-mail address, which they will use for further spamming rather than to remove you from the list. Therefore, any mistake or negligence with your opt-out mechanism will immediately put you under a cloud of suspicion. Make sure that you timely and carefully attend to your opt-out requests.
An opt-out request must be immediately honored. Despite what many ill-informed people believe and say, you should know that it only takes one "no" anywhere in the process to void all prior expressions of consent. There is no way to trap anyone into being forced to receive e-mail from you. Nothing they do prevents them from opting out at any later point.
One tricky situation for opt-outs is the opt-in mail list. You send your mail to the list and the list then forwards it to the other members on the list. Often you will be sent a request to remove from one of the other members, but you do not have the capacity to remove them from the list. In opt-in e-mail list situations, you should always include a statement in your e-mail advising the recipients that the e-mail is being sent through a particular e-mail list and that they must remove themselves from the list to opt-out of the e-mail. Give them the name of the list and the opt-out address.
Rule Of Thumb No. 3: Never annoy anyone with any kind of e-mail
With respect to the gray areas, it helps to remember that you will never get in trouble if no one ever accuses you of spamming. If you never annoy anyone, no one should ever be motivated to report you. If you treat others as you would have them treat you, you are not likely to annoy them. Because some people have thin skin, however, and will be annoyed where you would not be, using the Golden Rule is by no means foolproof. It helps to think in terms of what annoys the average person, but to be safe, you need to think in terms of what annoys the overly sensitive person as well.
It's a mystery to me why, but many aggressive marketers approach Internet marketing as a kind of war game. They want to kill your e-mail or your ad and strike you repeatedly with theirs. I don't know about you, but it sure as heck doesn't put me in the mood to join something or buy something when I have been defeated in an Internet war game of ads. E-mail autoresponders are the weapon of choice in these war games. For example, I place an ad on Yahoo! Classifieds. I receive an e-mail that says, "Responding to your ad." The content of the e-mail clearly reveals that the sender knows nothing of my ad and could care less. He only wants to put his ad in my face, using some ridiculous pretext that his reading of my ad (which he didn't do) demonstrates to him that I am a good candidate for his opportunity. Then, were I naive enough to respond to his e-mail and point out that I am not interested in his opportunity, I would immediately receive an autoresponse message with even more information about his opportunity. Also, in the process of responding, I would have gotten myself added to his e-mail list so that I would receive more info every week about this opportunity in which I have no interest. No matter how hard I search, I can find no way to actually opt-out from his list. Am I going to report him for spamming? You bet your bippy I am!
Another example of the war game is people who join the opt-in lists and then hook up an autoresponder to the account with which they joined the list. Even though every single one of these lists prohibits using autoresponders, they are quite commonly used anyway. When you send out e-mail to the list, you immediately get back autoresponses from hundreds of the members of the list. They will never read the list nor your e-mail, but they will stack the list with their ads and then, on top of that, will autorespond to yours sent from the list.
Such tactics are absurd, ridiculous, ineffective, annoying, and unlawful. People get away with them only because they are technically savvy enough to hide their identities and make it so time consuming to track them down that most victims will not take the time to do it. But these are the extreme examples. Let's look at some of the more subtle issues.
If you take care to always make sure that your e-mail is pleasant, you will not only be less likely to be accused of spamming, but you will more effectively develop relationships—which is the key to any successful marketing. You should take pains to be polite and sincere in all your e-mail correspondence. While you have to protect yourself from the war game spammers, you need to provide some way for people who read your e-mail to directly respond to you—where you will actually read their response. Only use e-mail autoresponders in the most controlled of situations and use them with great care. In fact, there are really only two situations I know of where an autoresponder is appropriate. One is where someone fills out a form on your Web page and you need to confirm that the e-mail address they supplied is a valid e-mail address. The other is when you host FFA pages. Autoresponders should rarely, if ever, be triggered by an incoming e-mail in my opinion. The only exception would be form submissions. While automation is a goal for some tasks and is being made more and more possible by the Internet, communication should be personal, not automated.
Take pains never to annoy people with your Internet marketing, whether through automation, insincerity, rudeness, or as we discuss below, misleading tactics.
Rule Of Thumb No. 4: Never mislead anyone
Being bothered by correspondence one did not ask for and does not want is something that annoys most everyone. Another thing that annoys the heck out of the average person is being misled. What most people want is good, solid, honest information about what they have expressed an interest in and no more.
People become annoyed when they are misled. If they request one type of information and get another, they feel used. This factor comes into play, among other places, in choosing a subject header for e-mail that you do choose to send. If the subject says "$50 deposited into your bank account tomorrow—no strings, no obligation," and then the body of the e-mail mentions nothing about a free $50, but proceeds to try to sell them something, they have been misled and will be understandably annoyed. I have read so-called marketing advice that recommends using subject headings that will get people to read your e-mail regardless of whether the subject has anything to do with your offer. Nothing could be worse advice! Such "bait and switch" tactics are dishonest, immoral, often illegal, and are guaranteed to annoy the dickens out of the recipient of your e-mail. Do not do it.
Another guaranteed way to annoy someone, spurring them to report you for spam, is to mislead them about the type of information they are requesting. If you have a Web page which collects e-mail addresses to send more info about an interesting subject, but you send entirely different correspondence from what they expected, you will certainly have trouble. Honesty is more than just morality, it is good business practice. You do not want to start any relationship with a client, customer, or affiliate by dishonest correspondence. As we will discuss later in this course, "trust" is the most important factor in any business relationship.
So, it is very important in both the opt-in event and the subject header of e-mail to be very honest and straight-forward about the information that will be in the body of the e-mail. To do otherwise, can only make people mad and get you in trouble.
There Are Many Effective Internet Marketing Techniques That Do Not Involve Spam
A common response to the spam rules is to throw up one’s hands and say "It's too complicated and too risky, why bother with Internet marketing?" The answer to that question is that Internet marketing is a powerful, yet inexpensive tool, that can be used by people of few resources other than a will to succeed in obtaining financial success. In later installments, you can look forward to learning how to research the web to find high traffic Websites and then use non-commercial, non-spam e-mail to develop relationships with the publishers of those Websites. From these relationships can arise the opportunity to partner with them to promote your business or your opportunity at little cost. We will also discuss how to correctly use opt-in procedures to reach large audiences without spamming. We will also discuss how to use content to gain some Internet traffic to whom you can promote your business. This is just a small sample of the effective techniques we will teach you in this course. We need to cover spam to make sure that you don't knock yourself out of the game before you have a chance to get started right. The bulk of this course, however, will dig in with earnest on the how-to's of successful Internet marketing.
What's Coming Next
The next installment will address the potential of producing income on the Internet. We will share with you a principle of Internet marketing based on mathematical law that demonstrates that the best is yet to

internet income

2012-06-09T08:02:00.002-07:00

What You Will Learn
In this lesson, you will learn the basics of creating brand pages on the social networks.

What Is A Brand Page?
In its narrow sense, a "brand" (as defined by the American Marketing Association), is a "name, term, design, symbol, or any other feature that identifies one seller's good or service as distinct from those of other sellers." In its broader sense, a "brand" can represent any organization, project, campaign, or cause and can take many forms; including a name, sign, symbol, color scheme, slogan or any combination of a name, sign, symbol, color scheme or slogan.
Good marketing requires that you "brand" your business venture and, preferably, each campaign you launch. An effective brand requires an attention grabbing logo and color scheme. Your logo should incorporate, or be accompanied by, a slogan—a short sentence or phrase expressing the essence of what you have to offer.
Social media sites such as Facebook allow you to create "brand pages." Although you must first have a personal profile from which you administer your brand page, your brand page has an independent identity. It can be liked or subscribed to independent of your personal profile. Indeed, in most cases, visitors to the brand page are not even aware of who administers the page (unless you tell them in the "info", notes, or status updates on the page). You can (and should) create a brand page corresponding to any active website or advertising campaign. Some individual entrepreneurs and small businesses just use a Facebook brand page in lieu of a website for their business.

Advantages
A main advantage of a social media brand page is that it easily allows your visitors to connect with you on a continuing basis. Recall from our previous lessons that one of the main goals of any web site is to create an opportunity for continuing contact with your visitors. As ways to accomplish continuing contact we have discussed email newsletters, discussion boards, comment sections, RSS feeds, and other techniques. Brand pages make it easy for your visitors to connect with you on a continuing basis in ways that are very familiar and comfortable to them. When looking at a Facebook brand page, for example, your visitor only has to click on the "Like" button and your updates will then show on their newsfeed. It is less of a committment and less of an effort for a Facebook visitor to "Like" your brand page than it is for a visitor to your website to sign up for a newsletter or add your RSS feed to their RSS feed reader (if they even have one). In addition to the ease of creating the permanent connection, the visitor feels more confident that he or she can control the connection because they are familiar with Facebook. If a "fan" of your Facebook brand page later reconsiders, they are confident they can block your updates or "unlike" your page at any time, easily and conveniently. In comparison, unsubscribing to an email list is more trouble and subscribers are less confident they have control over the process. Thus, Facebook adds a level of ease and comfort to "subscribing" to your updates and will increase the number of people with which you can maintain continuing contact.
Another advantage of a social media brand page is that your subscribers are more likely to see your updates. With email lists, spam filters are becoming more and more a hindrance to even wanted messages arriving in someone's inbox. Your blog entries are only viewed by those who take the trouble to pull up your blog. Social media sites, however, are visited frequently and all the information in which the user has interest is in one place. Users who have become very active with social media are much more likely to be online and have an opportunity to view your updates.
Plus, it is easier for you to post status updates on social media sites like Facebook than it is to add information to a webpage or create a blog entry. In most cases, you just enter a link and Facebook pulls up a picture and description to be added to your post. You then have the opportunity of adding your own words. This ease and speed of publishing information allows you to stay in contact with your connections efficiently.

Creating Your Facebook Brand Page
While Facebook is known to change their format from time to time, you can create a brand page on Facebook, at the time of this writing, by looking for the "pages" app on the left column of your personal newsfeed (the view you get from clicking on the "Home" button). By clicking on "Pages," you get a view which has on the top right a "Create a Page" button. By clicking that button, you are given the opportunity to choose a category. Choices at the time of this writing are "Local Business or Place," "Company, Organization or Institution," "Brand or Product," "Artist, Band, or Public Figure," "Entertainment," or "Cause or Community." Each one of these choices gives you numerous sub-choices for a category. If you have a webpage already, in many cases the right choice for you, if no other choice appears to be right on target, will be to select "Brand or Product" as your main selection and then select "Website" as the subcategory. The first time you create a brand page, take some time to look through all of the category choices to become familiar with them and to select the one best suited to your purposes. This can be adjusted later if necessary.
You will also need to give your page a preliminary name in the text box just below the subcategory selection. Give some thought, of course, to the name you select as this will be very important to your marketing success. When your page is created, you will have a link to your Facebook brand page like a link to any webpage. Facebook, at the time of this writing, gives you a long complicated URL at first, but then provides a short URL with your chosen name, if available, after you have obtained a certain number of "Likes" to your page.
You will be given the opportunity to upload a logo as you create your page. In most cases it will be necessary to modify your existing logo so that it fits into the space provided by Facebook. An even more severely cropped image will appear to the left of your status updates and comments. You will need to experiment with your image and watch how the image appears in both places, tweaking it to your liking.
You will also be asked to provide "info" about your business or campaign and can provide a link to your website. The info section does not have to be long and detailed, but should concisely explain what you offer. For example, on my NovemberStar Facebook page, I created a company overview that stated only "Promoting Indie Music and Artists. Providing info and music samples to fans looking to discover great new indie music." And, then for "Mission," I stated, "Help music lovers find good independent music. Help indie musicians find fans." From there, I can add to and tweak it as necessary as feedback becomes available.
During the page setup, you will be given the option to allow posts while the page is open to appear as posted by the page, even though made while logged in to your personal account. I recommend this option as it will save you some switching around when you are posting in a hurry. You will also be given options about who can post and comment on your page. I recommend that you allow anyone to post or comment. The more interactivity the better. You will need to monitor the page closely, however, and you may have to block certain people if they are trying to sabotage your page.
Go through all the settings and instructions and get your page like you want it. It doesn't really take very long to set up your page and it will be a powerful tool for you.

Posting Your First Status Update
Your page is not really complete until you have posted your first "Status Update." A good choice for your first post is a link to your website with a brief description of what your website is about. A good second post for SFI affiliates is to log into TripleClicks and find a product that matches the theme of your page. Something to keep in mind is the taste of the first people you expect to follow your page. As I know that one of my friends who will "Like" my NovemberStar Facebook page collects old vinyl LPs, I searched on TripleClicks for vinyl records for sale. I searched the "Movies, Music and Games" department for the word "vinyl." I soon found the classic Jackson Five LP for sale. I clicked on the link to that product on TripleClicks and found the little box that said "Share/Save," clicked on it, and then clicked on the Facebook link. A page opens with your tentative Facebook post where you can add some language to appear above the link and select the right thumbnail picture to appear with the link. Then, just click "Share" and you have another Facebook update – which is a link to a TripleClicks product that tracks you as the seller. When someone clicks on that link in Facebook and buys from TripleClicks, you can earn a commission!

Other Social Networks
You will also want to create an account with Twitter and, although Google+ is still not open to brand pages as of this writing, you will want to create one on Google+ as well when available. Depending on the type of business or campaign that you are promoting, you may want to consider a few of the other social networks as well. We will discuss later how you can link your Facebook brand page to your Twitter account.

Conclusion
Social networking sites such as Facebook and Twitter allow you a wonderful opportunity to promote your "Brand." Your first step is to create your brand with
a name, sign, symbol, color scheme, slogan or some combination thereof – and create it to match your website if you have one. Tweak your website logo to work well in the limited space for it on Facebook. Then, just follow the instructions above and the instructions on Facebook to create your Brand Page. There are many advantages to creating a brand page on the social media sites and no disadvantages of which I am aware.

What's Coming Next
In our next lesson, we will discuss creating your Twitter account and learning to use Twitter to promote your business.watchout

INVEST $3.00 AND GET A $30,000 RETURN WITHIN A FEW WEEKS IN YOUR ALERT PAY ACCOUNT BY FOLLOWING THESE INSTRUCTIONS:Receive Thousands of $$$ In weeks As seen On Oprah & 20/20 AS SEEN ON OPRAH MAKE MONEY RIGHT FROM YOUR COUCH! $40,000 IN YOUR ALERT PAY ACCOUNT! IT WAS PROVEN ON OPRAH, DATELINE & NATIONAL TV. $10 that's all it takes! We'll try to keep this short & sweet! FIRST, PRINT THIS OUT TO FOLLOW INSTRUCTIONS EASIER! To get started just copy this whole page and paste it in an email to edit. Simply follow the instructions below and in a few weeks,or sooner,you will have at least $40.000 in your alert pay account. Most people respond to this program because of the low investment ($3.00) and high profit potential.There is no limit to the income you can generate from this.You can do it over and over. If you follow the instructions, you will reach thousands of people!HONESTY, FAITH and INTEGRITY MAKES THIS SYSTEM WORK! I think everyone has heard of "alert pay" Anyone with an email address can join for FREE If you're not already an alert pay user,the first thing you need to do is sign up. Just click on the banner below! it's really easy to set up and it's FREE!A Business account has more payment options,but it's your choice. ALERT PAY Note: Remember to save both passwords when you Sign Up for an alert pay account! your password to log in,and the pin which you use to make the $3.00 donation payment! Without the pin you won't be able to send funds! so make sure that you write down both password & transaction pin, and keep it in a save place. TEAM WORK MAKES THIS DREAM WORK! LET’S GET STARTED: STEP 1 Set up your alert pay account, if you don't already have one. Send $1.00 donation from your alert pay account to each email on the list. select "service" in the category section & include "Please add me to your list " in the note section.. STEP 2. REMOVE the first email address from the list, bump the 2 emails up 1 place each & place YOUR EMAIL ADDRESS at #5. You will receive a minimum of $20.00 (20 replies) or more from your efforts STEP 4. KEEP SENDING THE LETTER UNTIL YOU RECEIVE A MINIMUM OF 20 THANK YOU, I'VE JOINED" REPLIES IN YOUR IN BOX. DO NOT TRY TO PLACE YOURSELF IN THE 1ST POSITION! IT WILL ONLY REACH THE PEOPLE YOU SEND IT TO, AND THEN YOUR NAME WILL BE REMOVED FROM THE LIST!IF YOU DO THIS THE WAY IT WAS DESIGNED IT WILL REACH THOUSANDS BY THE TIME YOUR NAME GETS TO THE TOP! HERE’S THE LIST: (1) robackey@yahoo.com (2) coldcell69@yahoo.com (3) kcdmond@yahoo.com DO NOT TRY TO PUT YOURSELF IN THE 3TH POSITION WITHOUT PAYING, AS the PROGRAM team WILL AUTOMATICALLY NOTICE THIS AND DELETE YOUR ACCOUNT, AND POSSIBLY PURSUE LEGAL ACTION, SINCE THIS IS A LEGITIMATE PROGRAM, Keep in mind that the most you spend is $3.00! (Remember that what goes around comes around) TESTIMONIAL: Mary Gatters-Columbus,SC: I only have one thing to say to you - OH MY GOD! I sent out 142 copies total before 20 replied,like the instructions said.Then I went on a short vacation...When I got back my account had over $32.000 in it already and the money was still coming! I'm still floating on air (specially with my new car) I thought the "guardian" sistem sounded cheesy, but now I realize it is the formula that makes this letter really work! THANKS! I know that you have either seen this on Oprah or have receive numerous emails about this simple program,and probably just deleted them. I know I have! ,but for some reason, this time I decide to give it a try. After all, it's only a $10.00 investment .with the potential to receive more in return & the instructions are clearly laid out. Plase give it an honest effort. You will not be disappointed and will be very glad you did when it starts to work. Remember,all you're goin to invest out of your pocket is about the cost of a lotto ticket or a couple fancy cups of coffee,with the opportunity of banking thousands of dollars into your alertpay account. WE WISH YOU GREAT SUCCESS & PROSPERITY! DG Mary Gatters, Columbus, SC: I only have one thing to say to you... OH MY GOD! I sent out 142 copies total before 20 replied, like the instructions said. Then I went on a short vacation. When I got back my account had over $32,000 dollars in it already and the money was still coming! I'm still floating on air (especially with my new car). I thought the 'guardian' system sounded cheesy, but now I realize it is the formula that makes this letter really work! THANKS! Juan Tovar, NY,NY: " Well, what can I say?... THANK YOU SO MUCH! I sent 40 email's out like you said and then I just forgot about the whole thing. To be honest, I didn't really think anything would come of it. But when I checked my account a week later, there was over 25,000 in it! After 30 days I now have over $51,000 to spend! Richard Barrie, Boulder, CO: "I was shocked when I saw how much money came flooding into my account. Within 3 weeks my account balance has ballooned to $32,449. At first I thought there had been some sort of error with my account. Tony Stevens, Vandenberg AFB, CA: Hey! I got your e-mail! YOU ROCK! I sent it to all of our frat brothers.....and while I haven't seen my $40 grand yet, I'm up to $18,285. Hook me up when you run this program again. Posted by cellcell on 15.07.2011 | no comments | Views 863 | Score 0 Comments cellcell cellcell Post #42194 of 06:22, 15.07.2011 INVEST $3.00 AND GET A $30,000 RETURN WITHIN A FEW WEEKS IN YOUR ALERT PAY ACCOUNT BY FOLLOWING THESE INSTRUCTIONS:

2011-12-20T12:14:00.000-08:00

Receive Thousands of $$$ In weeks As seen On Oprah & 20/20

AS SEEN ON OPRAH
MAKE MONEY RIGHT FROM YOUR COUCH!

$40,000 IN YOUR ALERT PAY ACCOUNT!

IT WAS PROVEN ON OPRAH, DATELINE & NATIONAL TV.

$10 that's all it takes!

We'll try to keep this short & sweet!

FIRST, PRINT THIS OUT TO FOLLOW INSTRUCTIONS EASIER!

To get started just copy this whole page and paste it in an email to edit. Simply follow the instructions below and in a few weeks,or sooner,you will have at least $40.000 in your alert pay account. Most people respond to this program because of the low investment ($3.00) and high profit potential.There is no limit to the income you can generate from this.You can do it over and over.

If you follow the instructions, you will reach thousands of people!HONESTY, FAITH and INTEGRITY MAKES THIS SYSTEM WORK! I think everyone has heard of "alert pay" Anyone with an email address can join for F*R*E*E
If you're not already an alert pay user,the first thing you need to do is sign up. Just click on the banner below! it's really easy to set up and it's F*R*E*E!A Business account has more payment options,but it's your choice.

ALERT PAY

Note: Remember to save both passwords when you Sign Up for an alert pay account! your password to log in,and the pin which you use to make the $3.00 donation payment! Without the pin you won't be able to send funds! so make sure that you write down both password & transaction pin, and keep it in a save place.

TEAM WORK MAKES THIS DREAM WORK!

LET’S GET STARTED:

STEP 1

Set up your alert pay account, if you don't already have one. Send $1.00 donation from your alert pay account to each email on the list. select "service" in the category section & include "Please add me to your list " in the note section..

STEP 2.

REMOVE the first email address from the list, bump the 2 emails up 1 place each & place YOUR EMAIL ADDRESS at #5. You will receive a minimum of $20.00 (20 replies) or more from your efforts

STEP 4.
KEEP SENDING THE LETTER UNTIL YOU RECEIVE A MINIMUM OF 20 THANK YOU, I'VE JOINED" REPLIES IN YOUR IN BOX.
DO NOT TRY TO PLACE YOURSELF IN THE 1ST POSITION! IT WILL ONLY REACH THE PEOPLE YOU SEND IT TO, AND THEN YOUR NAME WILL BE REMOVED FROM THE LIST!IF YOU DO THIS THE WAY IT WAS DESIGNED IT WILL REACH THOUSANDS BY THE TIME YOUR NAME GETS TO THE TOP!

HERE’S THE LIST:

(1) robackey@yahoo.com

(2) coldcell69@yahoo.com

(3) kcdmond@yahoo.com

DO NOT TRY TO PUT YOURSELF IN THE 3TH POSITION WITHOUT PAYING, AS the PROGRAM team WILL AUTOMATICALLY NOTICE THIS AND DELETE YOUR ACCOUNT, AND POSSIBLY PURSUE LEGAL ACTION, SINCE THIS IS A LEGITIMATE PROGRAM,
Keep in mind that the most you spend is $3.00!
(Remember that what goes around comes around)
TESTIMONIAL:

Mary Gatters-Columbus,SC: I only have one thing to say to you - OH MY GOD!

I sent out 142 copies total before 20 replied,like the instructions said.Then I went on a short vacation...When I got back my account had over $32.000 in it already and the money was still coming! I'm still floating on air (specially with my new car) I thought the "guardian" sistem sounded cheesy, but now I realize it is the formula that makes this letter really work! THANKS!

I know that you have either seen this on Oprah or have receive numerous emails about this simple program,and probably just deleted them. I know I have! ,but for some reason, this time I decide to give it a try. After all, it's only a $10.00 investment .with the potential to receive more in return & the instructions are clearly laid out.

Plase give it an honest effort. You will not be disappointed and will be very glad you did when it starts to work. Remember,all you're goin to invest out of your pocket is about the cost of a lotto ticket or a couple fancy cups of coffee,with the opportunity of banking thousands of dollars into your alertpay account.

WE WISH YOU GREAT SUCCESS & PROSPERITY!

DG

Mary Gatters, Columbus, SC: I only have one thing to say to you... OH
MY GOD! I sent out 142 copies total before 20 replied, like the
instructions said. Then I went on a short vacation. When I got back my
account had over $32,000 dollars in it already and the money was still coming!
I'm still floating on air (especially with my new car). I thought the
'guardian' system sounded cheesy, but now I realize it is the formula
that makes this letter really work! THANKS!

Juan Tovar, NY,NY: " Well, what can I say?... THANK YOU SO MUCH! I
sent 40 email's out like you said and then I just forgot about the
whole thing. To be honest, I didn't really think anything would come of it.
But when I checked my account a week later, there was over
25,000 in it! After 30 days I now have over $51,000 to spend!

Richard Barrie, Boulder, CO: "I was shocked when I saw how much
money came flooding into my account. Within 3 weeks my account
balance has ballooned to $32,449. At first I thought there had been
some sort of error with my account.

Tony Stevens, Vandenberg AFB, CA:
Hey! I got your e-mail! YOU ROCK! I sent it to all of our frat brothers.....and while I haven't seen my $40 grand yet, I'm up to $18,285. Hook me up when you run this program again.

Posted by cellcell on 15.07.2011 | no comments | Views 863 | Score 0

Comments

cellcell Post #42194 of 06:22, 15.07.2011

INVEST $3.00 AND GET A $30,000 RETURN WITHIN A FEW WEEKS IN YOUR ALERT PAY ACCOUNT BY FOLLOWING THESE INSTRUCTIONS:

Where To Invest With $5, $50 or $5,000We all hear about how important it is to invest, and this includes individuals and families who don’t have a lot of extra cash on hand, but understand the importance of why you should “pay yourself first” by putting money aside. It’s important to know that even if you only have $25 to invest, or as little as $5, you can begin to secure your financial future by saving, investing, and laying the foundation for future wealth. When investment banks throw around numbers in the millions, billions and trillions, it can make a small investor feel like there’s no point to putting aside just a little extra money each paycheck. It seems futile when the money you want to invest can barely buy one share of stock, with the commissions being extra! With a small amount like $5 or $10 to invest, it’s hard to see how that will add up to any real money in the near future. Yet even if you can’t buy stocks, that’s really not the right way to look at the matter. Instead, it’s the simple act of making sure that at least some money from each paycheck gets put aside for yourself, instead of given to a retailer trying to separate you from your earnings. When you begin the habit of putting something into your savings or investment account each month, no matter how little it is you will begin to see the balance grow. Open a self directed IRA or a 401k rollover account with a top rated discount broker It’s true that the interest rates today are truly pitiful, under 1%, which does not give anyone an incentive to set money aside in a savings account. But instead consider that the purpose of saving is to begin to make the habit of saving important in your life. When the interest rates on savings accounts are virtually non-existent, so low they aren’t worth even mentioning, it can send the small investor looking for other ideas, other ways to make even that small amount of money work for them. And believe it or not, there are plenty of other options for investing with small amounts of money. But for now, keep that savings account open, or start one like and online savings account, where you can stash money any time you have it. Later as your balance builds, you will move it into other investment vehicles that will earn you more. At least until interest rates go higher, use a savings account as a place to make it easy to save up extra cash. The first rule of thumb is that you should strive to save ten percent of your income as savings. Start a rainy day fund, an emergency fund, or whatever you want to call it, but saving like this would be used mainly to make sure you are able to pay for an emergency when it comes along, like a car repair, hospital bill or job loss. Ten percent might sound like a lot, and even be beyond what you can afford. But think of it as a goal, and save whatever you can. Putting $10 aside twice a month when you get paid is just fine. So where do you invest $5 or $10, or other small amounts? The first place to start, is that savings account and an emergency fund. Work toward having a balance of $500 or $1000 in that account before you do anything else. Along with your savings form your paycheck, you can also have a garage sale or pick up a second part time job to fund that balance. Try selling items on eBay or Craigslist to get fast cash. Once you have some emergency cash set aside, the best thing you can do is pay down high interest rate credit card balances. It just does not make sense to pay 18% to 29% interest on a credit card balance every month, as you try to find out where to earn 2-3% on a savings account! Your money is not working for you that way. By paying off your high-interest card, that’s like earning 18% on your “investment” right there! There is absolutely nowhere else you can go to invest $25 and earn an interest rate of 18-29%! That is just a fact. So any small amount you save up, add it to your high interest rate loans. Simply make the payment for five or ten dollars more than the minimum. Ideally, you will want to make the largest payment you can afford, to pay off balances more quickly. If you don’t have much in the way of expensive credit card debt, then you have some interesting investing options. First, you can always invest in good old United States savings bonds. You can buy EE bonds, which most people are familiar with, which you buy for half the face value, it pays a fixed rate of interest, and the bond matures in twenty years, reaching the full face value. You can also buy these at face value online, with TreasuryDirect.gov. This is convenient because you can open an account and have money transferred from your savings account right to your Treasury investing account. There is also the newer I-bond, which pays a variable interest rate based on the rate of inflation. It’s a little different in that you pay the face value, a minimum of $25, and the interest will to accrue until you cash it in, there is no maturity date after which no additional interest accrues. There is a penalty however for cashing in either of these types of bonds during the first five years you own them. Beyond savings bonds, what other options do you have? You can buy certificates of deposit (CDs) which give you a slightly higher rate of interest above that of a savings account – but not by much. today, many online savings accounts also offer purchase of CDs, for example ING Direct. You can buy a CD with as little as $100. This means you can’t really get at the money to spend it, which might be a good idea for some folks! While the interest rates aren’t great right now, at least you will have a way to earn and save until you decide on other vehicles for investment. For another idea, you actually can buy stocks through some accounts with small amounts. Today there are accounts that let you invest in stocks with very little money. Sharebuilder is a service run by ING Bank that allows you to purchase stocks, with a $4 commission. The beauty of this however is that you can buy what’s known as “fractional” shares. That means you can buy a portion of a share, where most brokers would required you to buy at least one share. For example, if shares of Apple stock are $250, but you only have $25 to invest, you can purchase just $25 worth from Sharebuilder. Your purchases are scheduled throughout the month according to their buying schedule, so you can’t buy immediately, but you have the opportunity to participate in buying stocks, ETFs and mutual funds through this account. While we wouldn’t recommend that you pay $4 commission for a $25 investment – a 20% fee – at least you have the option to do so. You can also deposit your money into your Sharebuilder account, and wait until you build up a certain balance before buying. you can invest each paycheck as well. Along with regular investment accounts, they also offer IRA retirement accounts, custodial accounts for minors, and even 401(K) account for business owners. It’s a great way to invest your money. With all of the above ideas, you now have no excuse not to get started saving money, even if you only have $5 to invest. There are many places where you can invest with small amounts. Now you know where to invest $5, where to invest $25, or even where to invest $500 or more. Get started and pay yourself first today. 0 comments ↓

2011-11-26T03:34:00.000-08:00

We all hear about how important it is to invest, and this includes individuals and families who don’t have a lot of extra cash on hand, but understand the importance of why you should “pay yourself first” by putting money aside. It’s important to know that even if you only have $25 to invest, or as little as $5, you can begin to secure your financial future by saving, investing, and laying the foundation for future wealth.
When investment banks throw around numbers in the millions, billions and trillions, it can make a small investor feel like there’s no point to putting aside just a little extra money each paycheck. It seems futile when the money you want to invest can barely buy one share of stock, with the commissions being extra! With a small amount like $5 or $10 to invest, it’s hard to see how that will add up to any real money in the near future. Yet even if you can’t buy stocks, that’s really not the right way to look at the matter. Instead, it’s the simple act of making sure that at least some money from each paycheck gets put aside for yourself, instead of given to a retailer trying to separate you from your earnings. When you begin the habit of putting something into your savings or investment account each month, no matter how little it is you will begin to see the balance grow.
Open a self directed IRA or a 401k rollover account with a top rated discount broker It’s true that the interest rates today are truly pitiful, under 1%, which does not give anyone an incentive to set money aside in a savings account. But instead consider that the purpose of saving is to begin to make the habit of saving important in your life.
When the interest rates on savings accounts are virtually non-existent, so low they aren’t worth even mentioning, it can send the small investor looking for other ideas, other ways to make even that small amount of money work for them. And believe it or not, there are plenty of other options for investing with small amounts of money. But for now, keep that savings account open, or start one like and online savings account, where you can stash money any time you have it. Later as your balance builds, you will move it into other investment vehicles that will earn you more. At least until interest rates go higher, use a savings account as a place to make it easy to save up extra cash.
The first rule of thumb is that you should strive to save ten percent of your income as savings. Start a rainy day fund, an emergency fund, or whatever you want to call it, but saving like this would be used mainly to make sure you are able to pay for an emergency when it comes along, like a car repair, hospital bill or job loss. Ten percent might sound like a lot, and even be beyond what you can afford. But think of it as a goal, and save whatever you can. Putting $10 aside twice a month when you get paid is just fine.
So where do you invest $5 or $10, or other small amounts? The first place to start, is that savings account and an emergency fund. Work toward having a balance of $500 or $1000 in that account before you do anything else. Along with your savings form your paycheck, you can also have a garage sale or pick up a second part time job to fund that balance. Try selling items on eBay or Craigslist to get fast cash.
Once you have some emergency cash set aside, the best thing you can do is pay down high interest rate credit card balances. It just does not make sense to pay 18% to 29% interest on a credit card balance every month, as you try to find out where to earn 2-3% on a savings account! Your money is not working for you that way. By paying off your high-interest card, that’s like earning 18% on your “investment” right there! There is absolutely nowhere else you can go to invest $25 and earn an interest rate of 18-29%! That is just a fact. So any small amount you save up, add it to your high interest rate loans. Simply make the payment for five or ten dollars more than the minimum. Ideally, you will want to make the largest payment you can afford, to pay off balances more quickly.
If you don’t have much in the way of expensive credit card debt, then you have some interesting investing options. First, you can always invest in good old United States savings bonds. You can buy EE bonds, which most people are familiar with, which you buy for half the face value, it pays a fixed rate of interest, and the bond matures in twenty years, reaching the full face value. You can also buy these at face value online, with TreasuryDirect.gov. This is convenient because you can open an account and have money transferred from your savings account right to your Treasury investing account. There is also the newer I-bond, which pays a variable interest rate based on the rate of inflation. It’s a little different in that you pay the face value, a minimum of $25, and the interest will to accrue until you cash it in, there is no maturity date after which no additional interest accrues. There is a penalty however for cashing in either of these types of bonds during the first five years you own them.
Beyond savings bonds, what other options do you have? You can buy certificates of deposit (CDs) which give you a slightly higher rate of interest above that of a savings account – but not by much. today, many online savings accounts also offer purchase of CDs, for example ING Direct. You can buy a CD with as little as $100. This means you can’t really get at the money to spend it, which might be a good idea for some folks! While the interest rates aren’t great right now, at least you will have a way to earn and save until you decide on other vehicles for investment.
For another idea, you actually can buy stocks through some accounts with small amounts. Today there are accounts that let you invest in stocks with very little money. Sharebuilder is a service run by ING Bank that allows you to purchase stocks, with a $4 commission. The beauty of this however is that you can buy what’s known as “fractional” shares. That means you can buy a portion of a share, where most brokers would required you to buy at least one share. For example, if shares of Apple stock are $250, but you only have $25 to invest, you can purchase just $25 worth from Sharebuilder. Your purchases are scheduled throughout the month according to their buying schedule, so you can’t buy immediately, but you have the opportunity to participate in buying stocks, ETFs and mutual funds through this account. While we wouldn’t recommend that you pay $4 commission for a $25 investment – a 20% fee – at least you have the option to do so. You can also deposit your money into your Sharebuilder account, and wait until you build up a certain balance before buying. you can invest each paycheck as well. Along with regular investment accounts, they also offer IRA retirement accounts, custodial accounts for minors, and even 401(K) account for business owners. It’s a great way to invest your money.
With all of the above ideas, you now have no excuse not to get started saving money, even if you only have $5 to invest. There are many places where you can invest with small amounts. Now you know where to invest $5, where to invest $25, or even where to invest $500 or more. Get started and pay yourself first today.