Make Money Online Business In Your Hands

Make Money From Real Estate Investing

2011-06-05T00:31:00.000-07:00

Making money from real estate properties can be something you can be good at as long as you have the knack for finding good properties to buy and sell and if you do your research and marketing of such properties well. Trying to make money from real estate can be done a number of ways and some of these ways do not require you to use your own money to make it.

How do you make money from investing without having to shell out your money to buy property to develop or fix up?Simply start a real estate syndication and you can very well start making a lot of money from properties that come up for sale in the areas near you. All  you will need to do is to round up a few investors to come up with the money to purchase the properties you think will make you and them a lot of money and work on developing or fixing up these properties to make them attractive to people who may want to rent them or even buy them

.Most of the real estate properties you should look into when you start a real estate syndication should be those that come on the selling block at a low price due to foreclosure proceedings or due to shortage of funds or mismanagement. These will be cheaper to come by and can be easily turned around as long as you know what to do and how to turn the place into something that people will want to rent or buy.

Online Data Entry Jobs Without Investment - A Safe WAy to Make Easy Money

2011-06-05T00:23:00.000-07:00

Online data entry jobs are gaining popularity and emerging as the perfect job for women who want to stay at home to take care of family or for those who do not want to be tied up in a typical office environment. These jobs are also fit for students who want to earn pocket money for themselves or freshers who have no experience. Online jobs do not require any specialise qualification but only working knowledge in computer. Individuals who are above 18yrs can pursue data entry jobs without investment.

One can work from home or internet/cyber café and earn without disturbing the daily work or study schedule.Online jobs without registration fees are safe for first timers who are not sure whether the investment is genuine or not and thereby do not opt for such jobs. Sometimes one is allured by wrong sites and ends up losing money by getting caught in scams or other schemes. However, there are some legitimate sites that demand investment, yet most of us chose not to sign up as we do not want to block our money. Online jobs are abundant but one needs to find legitimate or genuine sites before starting these jobs.Today, online data entry jobs without investment is very wide with innumerable and diversified jobs.

The trend has also changed as earlier data entry operations meant jobs of typists, file processors, keyers, data processors, data conversion but nowadays content writing, article writing, mysterious shopper, reviewing products etc. are also considered as home based without investment. For those having good command over language and the knowledge about consumer products can easily take up these jobs.Today, there are lots of specialised sites that advertise and provide online data entry jobs. The procedure to register is also very simple. For instance one can register as a free member using email id, username and password. After the membership is activated one can upload one's resume, personal information, educational background and contact numbers if required. One can search for jobs and contact employers for jobs.

If selected both the parties can set terms and conditions for the job. The work can be done according to one's convenience but within the stipulated time. The remuneration initially is decent but increases with time and experience. So, one can take up online data entry jobs without investment and earn from home.

Amount of Money Needed to invest in the Stock Market

2011-06-05T00:13:00.000-07:00

Many individuals who want to start investing in the stock market wonder how much is needed. As the old phrase goes, it takes money to make money. Obviously someone with $1,000,000 to invest can make a lot more money than someone with $1000. Still, there are investment choices for those of even modest starting amounts.

The following are the amounts required to begin investing in various investment options:Mutual Funds: $1000-$5000 - moderate risk, $20,000-$50,000 - low riskExchange Traded Funds: $2000 - $10,000 - moderate to low risk, $30,000 - $60,000 - low riskIndividual stocks: $2000-$5000 - high risk, $20,000-$50,000 - moderate risk, $100,000 and above - low riskNote that for each of the investment options the amount of risk varies with the amount invested. The reason is that larger amounts allow for greater diversification.Investing involves taking on additional risk in order to get additional reward - income. While a savings account carries little risk of the account balance declining, the amount of income received is actually not enough to keep up with inflation.

Over a period of years your account balance will actually be declining. Real estate will basically keep up with inflation, although investing in the right markets at the right time can generate returns above inflation. Renting properties, especially if the house is entirely paid for so that the amount lost to inflation is balanced by the rise in the value of the house and the rents received, minus upkeep and taxes, is a good way to receive income above inflation. Stocks provide a unique niche in that the growth rate for stocks is above that of inflation, and yet the risk involved is not so substantial. While there is a possibility that the whole amount invested may be lost, the likelihood is fairly low. Also, the likelihood of a total loss declines to approximately zero if several stocks are bought rather than just one or two.

This process, called diversification, also causes the amount of volatility in account balances to decline since stocks that go down are balanced by stocks that go up. Because the economy in general is normally growing, the balance on the account will normally grow with time (10-20 years) and at a rate higher than inflation, typically by 5-10%.The difficulty in investing with small amounts is that there is not enough money to buy positions in several companies directly. To gain substantial diversification in individual stocks would require $50,000-$100,000. For this reason, many people who have small amounts to invest buy mutual funds - which are arrangements in which groups of investors pool their moneys together to buy a group of stocks. Most mutual fund companies have minimum initial investments in the $1000 to $5000. Some will also allow investors to invest less provided that they sign up for automated purchase such that a fixed amount is invested each month. Another consideration, however, when starting out in investing is that while one does not have a lot of money to invest, the amount that could be lost is also fairly modest. If an individual only has $2000 to invest, while the entire amount could be lost if invested in a single stock, the $2000 loss could be easily regained through work.

It therefore may be worth the risk for the possible gains. (Note that a typical position in a stock is 100 shares, so $2,000 would be needed to buy 100 shares at about $20 per share. Stocks trading at less than about $10 are fairly risky and usually should be avoided.) If the individual could not afford the $2000 loss, mutual funds should be purchased or the individual should wait to invest when on firmer financial footing.Whether investing in mutual funds (or exchange traded funds, which function in a similar manner but are purchased on an exchange like a stock) or in individual stocks, an investor should plan to put money away regularly.

One should be putting away at least a few hundred dollars from each paycheck in a savings account. Each time that an individual raises a couple of thousand dollars, that money could be used to buy more shares of stock. If investing in mutual funds, those funds could be added directly to buy more shares of the mutual fund with each paycheck since mutual funds typically accept smaller amounts after the account minimum is met.Even if starting with a modest amount, by regularly investing and minimizing trading to reduce transaction costs and taxes, one can build a substantial portfolio.

Auto Click Profits - A Sound Investment to Make Money Online

2011-06-05T00:07:00.000-07:00

To make money online you need to be an experienced internet guru, possess detailed technical knowledge of creating websites, building lists and cutting edge sales techniques perfected through years of testing, right? Well, frankly, nowadays, that's just simply wrong.Thanks to the global reach of the internet and online business ventures freely available for you to use you no longer need to be a savvy entrepreneur to build an online business, you simply need to be able to follow simple instructions to the letter, motivate yourself and be prepared to do a little work.

Nothing is free in life, but thanks to a multitude of internet business ideas, some things, like making money online, have become a whole lot easier.Auto Click Profits for example has recently launched to a lot of excitement and publicity. It seems that many people have successfully utilized this opportunity to begin a wealth building online business and there have been many happy clients.You may have already heard of this product as it has been reviewed a reasonable amount to date. If not, I am sure that you will receive a whole stream of emails about it over the next few weeks or months. Fortunately, I have acquired a preview of the product and am able to give you my opinion on what I believe is currently the best method to make money online.

However, there are many solid business opportunities that people are making money on right now. They do not require any specialist knowledge of the internet. What they do require, however, is an ability to listen to instructions carefully. Now that may seem pretty straight forward but I am continuously being surprised, everyday, by the amount of people who are unable to do this and this is why they fail; but, their failure will be your success if you take heed of my warning.Making money online is not a fallacy. It's how I made my career and I was more than likely a little like you when I first started out, But,

I was able to do what others weren't and so should you be if you can simply, watch and learn and then repeat the instructions given to you.Remember, anyone can earn a living using the internet, what stops them is their lack of belief in themselves and the money making power of the internet. I cannot stress enough how wrong they are and how powerful the internet can be if you know how to use it. There are plenty of products like Auto Click Products that will show you exactly how to use the resources at your fingertips and you can start right now.

China`s Novel Investment - Making Money by Investing in Pu-erh Tea

2011-06-05T00:04:00.000-07:00

While most Pu-erh tea lovers would never dream of selling their prized collections the escalating price of Pu-erh tea has attracted many investors and opportunists. In China's supercharged economy, where no investment opportunity goes unnoticed the idea of investing in tea is not just a novel idea but an increasingly popular trend followed by many affluent young professionals.
For the better part of a decade the price of Pu-erh tea has risen each year, averaging a rough estimate of 10% annually.For premium production consisting of wild tea leaves or leaves from old tea trees gathered from famous regions such as Yiwu this markup is progressively higher with prices jumping between 30-80% in 2006 alone. The aged tea sector has produced the biggest gains of all. Prices for certain vintages have sky rocketed, some easily multiplying by as much as 10X times within the span of a few years. A noticeable example is the price of the famous 1950s Red Label (Hong yin). One piece of this famous teacake weighing approximately 357grams was once valued at US$1200 in 2003 but has now risen to almost US$5000 in 2006 at retail outlets in Hong Kong.In summary the market growth for Pu-erh tea has been for the past decade outstanding.
A repeat of this outstanding growth for the next decade will likely see collectors and investors sitting on a goldmine. As the main market for Pu-erh tea is China, the sustainability and growth of the Pu-erh tea market will largely coincide with the future development and growth of the Chinese economy.While the increasing demand and popularity points to a bright future, a note of caution, not all Pu-erh tea will appreciate in value. Much of the Pu-erh teas flooding the markets today are fakes and low quality teas. It is unfortunate but the precedence for increasing Pu-erh production has greatly compromised the quality of tea in recent years. While the production of Pu-erh tea continues to increase annually, the quality has substantially dropped with outputs from both 2005 and 2006 being most disappointing.

The knock on effect has been a sharp increase in the price of older vintages. The pursuit of Pu-erh tea is best done with caution. Ignorance can be costly to a naïve investor.Note: Pricing information and opinions on market trends are based on informal discussions with tea merchants at various trading locations. The prices should be taken as a rough estimate only and the accuracy may vary accordingly. All investments are a risk.*To read more on Pu-erh investment trends click on the link Pu-erh Tea News or go to www.puerhcha.com/Links/Links_Puerh_Tea_News.htm

Make Money Alpacas As an Alternative Livestock Investment

2011-06-05T00:01:00.000-07:00

We are currently witnessing a huge turmoil and downward trend in the worldwide credit and stock markets. There are millions of people, who will read the quarterly reports on the losses inflicted in their 401K savings. Many people fear that the traditional investments in stocks, bonds, and real estate will get much worse before they get better, and that we all may be teetering on the edge of a multi-year worldwide depression.Against this economic backdrop, the investment that I made five years ago in starting an alpaca ranch looks pretty darn good.

Since that time, I have "diversified" my investment by adding miniature llamas and dairy goats. I can confidently say, that not only have I been able to sell alpacas and llamas every year that I have been in business, but I continue to get inquiries from well-qualified customers, who want to know how to start an alpaca ranch and how to make money with an investment in alternative livestock. Indeed, I get more inquiries that I have livestock to sell.Unlike stock and bond prices, which can fluctuate up and down (mostly down these days!), investments in alternative livestock have remained fairly stable because alternative livestock are rare commodities.

That is, unlike millions of heads of traditional livestock, such as cattle and sheep, there are less than 200,000 alpacas and 300,000 llamas in the USA. For miniature llamas, there are fewer than 700 in the USA! So demand still outstrips supply for these animals.Active or Passive InvestmentBefore investing in alternative livestock, you must consider if you want to go in as an active or passive investor. An active investor is one, who actively participates in the management of the animals. Usually this means that you own an alpaca ranch and manage the day-to-day operation of the herd. However this could also include, who board their animals, yet still participate in management aspects, such as breeding decisions, shearing, and monthly worming. Passive investment means that you board the animals and leave all the animal management to someone else. For passive investors, the profit comes mainly from the sale of animals and their offspring and the animal by-products.If you are going to be an active investor, that is become an alpaca rancher, then this is probably going to mean a major lifestyle change.

In which case, you will need to educate yourself about all the ins and out of alpaca and llama ranching. This is not an impossible or even a difficult task, but there is a learning curve. You'll need to know about alpaca health and nutrition issues, breeding and birthing, optimizing pasture grass production, alpaca fiber, and marketing fiber and yarn. In addition to visiting alpaca ranches and asking questions, you'll also want to take some workshops and read about the alpaca and llama industry in books, such as the Start Raising Alpacas Guide Book.Product Potential of Alternative LivestockAn important consideration for investment in alternative livestock is understanding what potential products can be harvested from the animals. Then you need to create your own vertical market, where you harvest the raw fiber and add value to it to create end-products that you sell for greater prices. That is, you take the raw fleece and have it spun into yarn. Then you have the yarn made into apparel and home decor items.

There are buyers of the fiber at every step from raw fiber to a finished apparel, but the profit margins increase with every step towards the finished luxuriously soft apparel.The market for llama fiber is a little different than for alpaca fiber. Llama fiber tends to be coarser than alpaca fiber, but the really coarse hairs can be "dehaired," or completely removed, in the yarn spinning process. However there are still many wonderful products that you can create with llama fiber, such as outer garments that do not touch the skin, bags, rugs, etc. I like to combine my coarser alpaca fiber from the leg and neck area with my llama fiber, which I spun into bulky yarn for rugs.

Make Money Equity Indexed Annuities - The Dumbest Invesment Ever

2011-06-04T23:58:00.000-07:00

There are a lot of really dumb things you can do with your money and at the top of the list is buying an equity indexed annuity. Notice how I didn't say "invest" in an equity indexed annuity. That's because in order for a product to be an investment it must have some sort of redeemable qualities that merit the allocation of funds to it. In this article, I'll clearly (and painfully) outline why one should never, under any sort of circumstances, buy an equity indexed annuity. My case against these insidious products is divided into four sections which are as follows:

Part I: The Philosophical - How Insurance Companies Make Money

Part II: The Practical - The Nuts and Bolts of the Policies

Part III: The Historical - Track Record for Insurance Products

Part IV: The Actual - Worthless Guarantees

Part I:
The Philosophical - How Insurance Companies Make Money On traditional insurance products, insurance companies make money in three ways: actuarial gains, the float and fees (administrative expenses and such). In this section, I'll explain how insurance companies can only make money off the fees and expenses of equity indexed annuities (EIA) contracts and how these expenses rob you of any hope of appreciable gains.Actuarial Gains: Actuarial gains are simply the difference between what an insurance company takes in as premium and what it has to pay out in the form of claims. The simplest example is that of a term-life policy. If you buy a term-life policy with a death benefit of $1,000,000 and you pay $2,000 per year over 20 years, then the insurance company will recognize a $40,000 actuarial gain if you don't die during the term. If you do die, they'll recognize an actuarial loss of $1M minus premiums paid.There are no actuarial gains for an insurance company when you buy an EIA for two reasons. First, every policy holder gets paid. With most insurance contracts (i.e. Home, Auto, Life), the insurance company takes a small amount of money from a lot of people and pays out a lot of money to a small number of people. With an EIA, or any annuity product for that matter, the insurance company takes a lot of money from people and returns some percentage of that amount in equal proportions to all the policy holders.Second, actuarial gains can only be achieved when insuring against non-systematic risk. An EIA is providing insurance against a systematic risk since every policy holder will be exposed to the same set of circumstances - the price performance of the index. If the market crashes, every insured account crashes. Insurance companies cannot realize actuarial gains when every insured realizes the same investment returns.The Float: Interest and capital gains on the float are the primary means that insurance companies have of making money. The float is the use of insurance premiums up until a claim is paid out. Take a car insurance policy for example. Assume you pay $1K in premiums for 5 years. In the 5th year, you get in an accident and the claim is $5K. Even though the insurance company will not realize an "actuarial gain" on your policy, they will have realized income on the premiums dollars prior to paying your claim.(Editorial Note: The float is why Warren Buffet's initial purchases were insurance companies. Berkshire Hathaway is technically an Insurance Company. Buffett knew that he could allocate investments better than just about anyone else so he bought a company that had a lot of money to invest.)There is no float for the insurance company in an EIA. The vast majority of the purchase needs to be invested in the index. With all other types of insurance premiums, the company can do whatever they please with the money until they have to payout the claim but with an EIA, they have to fully invest the premiums so that they can keep up with the redemption value of the policy.Fees and Expenses: This is the nickel and dime stuff. Those nasty little line items that appear on your statement or bill. This is the smallest piece of the profitability pie for insurance companies on normal insurance products (home, car, ect.)But with an EIA, the only way for an insurance company to make money is from fees and expenses. These fees and expenses are carefully hidden underneath mountains of actuarial and legal documentation but they are most certainly there. It is well documented that the key to successful index investing is keeping expenses to an absolute minimum. The market only returns between 7-11% over any fixed period of time and if you load up expenses, your account will never outperform a more secure bond portfolio.

Part II:
The Practical - The Nuts and Bolts of the Policies In this section, I'll address four distinct attributes of index annuities which make them possibly the dumbest thing you can do with your money short of burning it. They are:
No credit for dividends
The number of people getting paid on the policy
Tax treatment of index funds vs index annuities
Market volatility
Surrender charges
No credit for dividends: When you own an EIA, you do not receive any compensation for dividends paid by the companies in the index. The contract value goes up in line with the price change of the value of the index. Currently, the dividend yield for the S&P 500 is 1.8%, therefore, before expenses and fees, an EIA will automatically under perform the S&P 500 index by 1.8%.1.8% may not sound like a lot, but over 20 years the difference is substantial. A $100,000 lump sum earning 10% invested for 20 years would be worth $672,750 where as this same investment receiving 8.2% would only be worth $483,667 - a difference of $189,084. Now you know why the insurance company is willing to such steep commissions to sell these things.The number of people getting paid on your policy:   When considering any investment, you should always ask yourself, "How many people are getting paid before me?" With any "sold" investment product the investor is the last person to get paid. Everyone makes money before you, but the question is how many and how much. Here is quick rundown of who is going to get "theirs" before you get "yours".
The agent/salesperson/broker: Commission on these products range from 5% to 14%. The majority pay commissions in the high single digits.
The sales organization: Whether your agent is a broker or a captive salesperson, there are layers of sales managers on top of him who all receive a nice override on your purchase.
The underwriter: Insurance companies have never been or never will be the altruistic type. They have one objective and that is to make money.
The Investment Manager: Fidelity charges 1/10 of 1% for their index funds. Anything more and you're paying too much. While it is impossible to tell what sort of "cut" the investment team for an EIA is receiving, you can be assured that it exceeds what Fidelity or Vanguard charges for their index funds.
Tax treatment of index funds vs. index annuities:   The only valid reason to ever invest in a deferred annuity contract is for the purpose of tax deferral. I cannot possibly conceive how an insurance company can even begin to promote the benefit of tax-deferral when selling annuities FOR ALL PRACTICAL PURPOSES, INDEX FUNDS GROW TAX-DEFERRED TO BEGIN WITH. THEY DO NOT NEED AN INSURANCE CONTRACT TO GROW TAX DEFERRED!Furthermore, an annuity is the only investment where long-term capital gains are converted to ordinary income and taxed at a higher rate. The ugly truth about index annuities is that they create a greater tax burden for the investor than an index-tracking mutual fund. The fact that an insurance salesman even utters the term tax-deferred or tax-preferred when selling an EIA is practically blasphemy.The largest mutual fund in the world is Vanguard's S&P 500 Index fund (VFINX). Over the last five years, only 3% of its average annual gains were recognized and taxed, where as 97% of its gains was tax-deferred. Therefore, it has grown 97% tax efficient (Source: Fidelity Investments). Furthermore, given the nature of indexes, it is safe to assume that all or most of the gains were taxed as long-term capital gains which carry a maximum tax burden of 15%. Market volatility:   While index annuities supposedly insure you against losses during down years, they also limit participation in up years. They limit the upside participation in two ways. First, they will limit the amount of upside by capping gains at a certain percentage. Second, they may limit the percentage of gains that you can participate in. The contract may have one or both types of restrictions. Often times, it is a combination of both such as 80% up to 10%. Index annuities are set up this way because the insurance companies are counting on you being naive about the nature of market volatility. The truth is that markets are very volatile year in and year out.The average up year for the Dow Jones Index since 1920 is 19.2%. Therefore, if you're only participating in the first 9%, you'll realize less than half of the market's potential in up years.Assuming that you invested in an EIA tied to the Dow Jones Industrial Index (DJI) that provided 100% participation but its annual earnings were capped at 9%, your average annual return from 1920 through 2005 would have been 5.1% versus an average return for the index of 7.6%. With dividends, an investment in the DJI would have yielded 11.8% annually. (I used the DJI because it has a much longer history than the S&P 500 and I already had the data. Most annuity contracts are tied to the S&P 500 which is even more volatile than the DJI so the impact would be even more severe.)This is how the insurance company makes their money from an annuity contract. They have the capital and discipline to withstand market corrections because they know in the long-run they will make a killing on the policy. The truth is that average market swings are greater than 17%, in either direction. So while you'd miss out on some down years, you also miss out on most of the gains during up years. Surrender Charge:   Never buy anything where there is a penalty for liquidating it - PERIOD! If a product has merit, why is there a need to apply a penalty for getting out of it?

Part III:
The Historical - Track Record for Insurance Products History has not been kind to the investments recommended by Insurance Companies. In this section, I'll examine the track record of products sold by insurance companies over the past four decades. (I'm going to address the investment performance of life insurance contracts versus annuities because the variable/EIA is a relatively new phenomenon only dating back about a decade)Life Insurance in the 70'sThe majority of life insurance contracts sold in the 70's where called whole life policies. A whole life policy is one that is guaranteed to pay a specific death benefit.   The nature of the contract is full guarantees. The premium is guaranteed not to increase, the death benefit is guaranteed for the life of the insured and so on. These policies were very popular in the 60's and early 70's when interest rates were at historic lows. But guarantees have one big enemy - INFLATION.Inflation erodes the buying power of any future income so while the gross amount of money that the beneficiary receives never goes down, the real amount adjusted for inflation can depreciate substantially. In the 70's, possibly the worst investment you could have made would be one that paid a low, fixed, guaranteed rate of interest - which is what whole life policies did.Life Insurance in the 80'sInflation was destroying Whole Life sales in the 70's as interest rates soared for the entire decade. Insurance companies were slow to react but came up with a solution which was the Universal Life (UL) policy. UL policies pay a variable rate of interest which is linked to some sort of "official interest rate" (The "official interest rate" can be any number of options such as Treasuries, LIBOR, ect.)Interest rates peaked in the mid-80's and have decreased ever since. The 10-year treasury peaked at 13.56% in June of '84 and bottomed in June of '03 at 3.33%. The track record for UL policies is pitiful (I know personally b/c when I first started in the Financial Services business, I was given a handful of UL policies that were about to lapse despite the original illustration showing them having millions of dollars.)While bond investors in the mid-80's saw their investments appreciate as bond yields decreased, UL policy holders saw their policies lapse as the "illustrated" interest rates were significantly more than realized interest rates. One of the most foolish investments in the 80's would have been buying a non-guaranteed policy where the investment returns were tied to interest rates that would decline over the next two decades.Life Insurance in the 90'sDeclining interest rates and low inflation made UL policies obsolete so the insurance companies reacted with a new product called Variable Universal Life (VUL). This product allowed a policy holder to invest in pseudo-mutual funds, called Variable Portfolios that invested in equities and bonds.While some early adopters started offering policies in the early 90's, the idea didn't really take off until the mid to late 90's - just in time to suffer the steep losses in the tech bubble. In order for these policies to "work" they had to be wholly invested in equity funds which got obliterated in the Tech crash.Life Insurance and Annuity sales in the 2000'sAs a result of the worst bear market since 1929, Insurance companies developed products that combined some of the benefits of market participation along with guarantees. There is a whole host of them of which EIAs is one of them.An EIA provides limited upside market participation with a protection against losses. This is all well and good except for the fact that inflation is again taking hold of our economy. As I stated previously, the last thing you want to buy in an inflationary environment is a low-interest guarantee. EIAs provide nothing more than a dress-up low-interest investment product. They guarantee against loss in capital but not against loss in purchasing power.Historically, insurance companies always get it wrong. They create "fad" products that their sales force can sell using manipulative sales pitches designed to create an emotional response in the prospective client. These products have never done well and I think its foolish to believe that it will be any different with the products they are currently pitching.

Part IV:
The Actual - Worthless Guarantees In my opinion, the guarantees provided by the insurance companies are absolutely worthless. Over the next decade, the stock market will either be higher or lower. If the stock market is higher, your guarantee is worthless and you would have done much better in an equity index fund. If the market is lower, it will be the result of a multi-year depression resulting form excessive US debt, a steep decline in the US dollar and a severe contraction in consumer spending by Baby Boomers.There has already been a 50% decline in stocks this decade. While a severe pullback in equity prices over the next couple of years is possible, the likelihood that the markets will be in down over the next decade is minimal unless our nation's economy suffers some sort of catastrophic event (Banking crisis, US$ crash, ect.).If the US economy suffers a catastrophic event, it would call into question the liquidity of our nation's banks and insurance companies. Every EIA will "be under water" a. This will lead to a run on these assets that the insurance companies won't be able to meet. Furthermore, whatever the insurance company has to invest of their own money is invested in the same asset classes as the EIA. If index annuities are under water, the insurance company's portfolio is going to be down as well. Combine both of these factors and I would assume that any insurance company offering index annuities will be insolvent.ConclusionAs I stated earlier, index annuities are possibly one of the worst investment options for your money. If you have been approached by a salesman seeking to put your money into an annuity, I encourage you to ask him the following questions:
How much lower will my average returns be since I won't receive any dividends?
Why would I need the benefit of tax deferral when an index mutual fund essentially grows tax-deferred?
How much are you getting paid to sell me this product? (My personal favorite)
What is the average percentage change in the market index each year? (I would suppose that any salesperson doing any sort of due diligence on a product would know this. If the answer is anything other than around 17% per year, you're being lied to.)

How would the performance of an EIA stack up against a simple portfolio of laddered, investment grade bonds? (A portfolio of diversified investment grade bonds would theoretically have a lower default risk than an EIA, a more predictable income stream and in all likelihood higher returns over both the short and long-term.)
How much would I have to pay if I want to get out of my investment in one, two, three or four years? How long is the surrender charge?
How does this investment protect me against inflation? (the answer is that it doesn't because stocks and their indexes tend to perform poorly in an inflationary environment, furthermore, stock markets are extremely volatile in inflationary environments which means that you'd miss out on more upside.)
How long have you been in the business? What were you selling a decade ago and why aren't you selling that anymore? How do I know the same won't happen to my EIA?
Insurance companies prey on people's emotions. They sell greed when people are greedy and they sell fear when people are fearful. These new instruments are trying to meet both objectives - appeal to both greed and fear. The unfortunate trade off is huge fees and complicated formulas that guarantee one thing and one thing only - the insurance company will make money and you won't. If you want a real guarantee, buy short-term US Treasuries or a diversified, laddered portfolio of investment grade bonds. They are far safer than index annuities and will likely outperform them in both the short and the long-term.

How to Analyze Rental Potential When Buying Investment Property

2011-06-04T23:50:00.000-07:00

There are two traditional ways to make money from property investment. The first being capital appreciation and the second being rental returns. Good rental returns incidentally affect capital appreciation to some extent it would be hard to segregate the two. Thus, this article will identify three indicators of a good rental property investment so as to help one that can form the basis of your next real estate property investment.Firstly, good human traffic would be key if the investment property category that you are interested in involves shopping malls, strips and shop houses.

Spend some time thinking about what type of crowd a rental property seeks to attract and then go down during the period in which you think the human traffic is at its maximum to have a gauge of the ground conditions.For instance some rental property attracts the office crowd, then you want to analyze when the office crowd might appear like during lunch time and you can then go down during lunch time to estimate the crowd size and figure out whether your investment property investment will give you good rental yields.Secondly, pay some attention to future developments in your area to figure out where the large shopping malls might develop and then purchase your property in the direction of progress as some real estate writers like to put it.

The reason for this is that where there is development, there would be an increase in crowds and this would be in addition to any crowds that you might have noticed in the first point above and therefore increase you rental from your investment property.One good way to stay abreast of such developments is to network with property developers, architects and real estate agents who come across such information. Such a team can form part of your Master Mind Team as Napoleon Hill suggested to accelerate your property investment progress. Another way is to spend some money in a real estate investing magazine in your country or area and be updated on property investment trends.Thirdly accessibility to transport is very important for rentals. When accessing an investment property for rental purposes, if your property is far out from the city but is readily accessible from the subway, bus routes or walking or the freeway, the rental of your property might be a lot higher than a property that is nearer the city but is very inaccessible.

When determining accessibility, check if its connected to the freeway or whether public transport is readily accessible.In addition, if your investment property involves industrial property, you want areas where your tenants can move their manufactured goods easily to the port. Spend some time talking to your real estate agent about this and they can advice you on this.In conclusion, do spend some time thinking about what your tenant might want in a rental property of that particular class and you will be able to choose a property that can help you achieve good rental yields that is critical for cash flow purposes.By Joel Teo 2006 All Rights Reserved

Investing How to Make Money on the Indurstrialization of Brazil,Russia,India and China

2011-06-04T23:45:00.000-07:00

In October 2003, Goldman Sacks published a research paper titled, "Dreaming with BRICs: the Path to 2050." The paper states that Brazil, Russia, India and China, commonly referred to as BRIC, may rank among the world's most dominant economies by mid century. By 2041, China's Gross Domestic Product (GDP) could possibly be greater that the United States and larger than everyone else except Japan by 2016. The BRIC economies together might be larger than the G6 (US, Japan, UK, Germany, France and Italy) by 2039.

Obviously, there are execution risks, but the trends are in place for this to occur.This has enormous implications. As these countries develop, just think of how their people will benefit and the opportunities that will be created. Demand for items that developed countries middle-class have come to expect will be tremendous. Consumer items such IPODs and DVD players will be of interest, but that will pale in comparison to the demand for housing with indoor plumbing, electricity, basic appliances and cars. In Goldman Sachs follow-up report released in 2004, it states that between 2005 and 2015 over 800 million people in these countries will have crossed the annual income threshold of $3000. By 2025, approximately 200 million people in these economies will have annual incomes above $15,000.So, how can we as investors benefit from the industrialization of BRIC?

I would like to propose two approaches: direct and indirect investing into the emerging economies.   Direct investing requires an in-depth knowledge of companies in complex and diverse countries. This is far too time-consuming for the average investor. A much simpler approach would be purchasing single-country exchange traded funds (ETFs). I realize this is a mouthful. Let's start by defining exchange traded fund (ETF). It is a fund that tracks an index, but can be traded like a stock. Thus, it provides the diversification of a mutual fund, but is not hampered by trade cut-off times and early redemption fees. A single-country ETF is linked to a country's index that reflects the value and composition of its specific stock market. ETFs of the BRIC countries include: Brazil (EWZ), Russia (TRF), India (IFN), and China (FXI). Their year to date performance (YTD), as of 6/30/2006, is 17.2%, 27.4%, 16.3% and 24.6% respectively. This produces an equally-weighted return of 21.8%.

Trouncing the US Major indices returns of 4.0%, 1.8%, and -1.5% (DOW, S&P 500 and NASDAQ respectively).The second approach, indirect investing, consists of investing in companies that supply materials and equipment that the BRICs will need to industrialize. Imagine the number of highways, bridges, railways, factories and skyscrapers that will need to be built. This is impossible without commodities such as iron and carbon that are combined to form steel. Modern society requires copper for electricity and information technology. Can you imagine how much cement and concrete will be consumed? The demand created for these and other commodities will be phenomenal.To leverage this approach I have created a basket of 12 stocks. It contains proven industry leaders that produce or supply to companies that extract base metals from the earth. Base metals include Copper, Aluminum, Nickel (stainless steel and nickel metal hydride batteries), Zinc (anti-corrosive coating in galvanized steel) and Lead (lead-acid car batteries). Companies that mine base metals include: diversified producers - BHP Billiton (BHP), Falconbridge (FAL), Rio Tinto (RTP); aluminum producer Alcan (AL); copper producers - Freeport-McMoran (FCX), Southern Copper (PCU), Phelps Dodge (PD); nickel producer Inco (N); iron ore producer - Companhia Vale Do Rio Doce (RIO). The suppliers of equipment, parts and services to these companies will profit as well. Thus, I have included two heavy equipment manufacturers in the portfolio: Caterpillar (CAT) and Bucyrus International (BUCY). The final company is not a base metal producer or supplier, but countless tons of cement and concrete will be necessary for the build-out. Therefore, I have included cement and concrete producer - Cemex (CX) in the basket.

This indirect approach, using an equally weighted portfolio of the above listed stocks, has outperformed the direct approach 27.2% vs. 21.8% year to date.In closing, I would like to share a couple of implementation details with you. The above portfolios are intended to be traded as a basket meaning that all should be bought and sold at the same time.

Cherry-picking a couple of stocks may not produce better results - the diversification reduces company or country specific risk. It is also important to choose the right brokerage to employ this strategy. I have found that FolioFn lends itself well to this strategy. It enables complete automation of the process by supporting single-order basket trading as well as automatic dollar cost averaging. I highly recommend combining this strategy with dollar cost averaging. For more information on the benefits of dollar cost averaging, refer to my article on "Double Digit Gains with Dollar Averaging." Commissions on a large basket can be cost prohibitive. Foliofn address that with its various commission plans including one that allows up to 600 window trades per month for $30. Consequently, fees on accounts of $40K would be less than 1% per year using this plan. This puts fees of basket trading in-line with fees of ETF and much better than mutual funds.There is a tremendous opportunity to make money investing in the BRIC thesis. What are you waiting for?Reference:"Dreaming with BRICs: the Path to 2050."

3 Reason Why Email List Building Is One Of the Most effective Ways to Make Money Online

2011-06-04T03:19:00.000-07:00

If you are serious about building an online business to the level where you can finally quit your day job, you've found the right article. I'm going to talk about the 3 reasons that email list building is one of the most effective methods for building a thriving, scalable online business.The first reason is down to a popular saying in internet marketing.

You may have heard the saying that "the money is in the list".Essentially, what this means is that when you have a mailing list with hundreds or thousands of people on it, you can simply tap into a ready-made traffic source whenever you want.If you become proficient at sending out promotions to your email list, you can pretty much make money on demand.The second reason is that you have the ability to follow up with your subscribers.

The whole idea behind capturing people's email addresses when they arrive at your site is so that you have the ability to contact them later. The reality is that most people don't purchase a product until they are exposed to it at least 7 times.If you have someone visit your site and they aren't prepared to buy and decide to leave, they're gone forever.If you are able to capture their email address, you can follow up with them on a regular basis and keep your product in their minds.This is very powerful stuff.

The third reason that email list building is so powerful is that you basically have an instant, on-demand traffic source at your finger tips.Instead of spending an exorbitant amount of time and money trying to get your site ranked with SEO and hoping and praying that you get some traffic, with an email list all you have to do is send out an email. Depending on the size of your list, a well-written email to a responsive email list can generate highly-profitable traffic to your website on a daily basis.It is a very dangerous prospect in online marketing to put all your eggs in one basket and rely on the search engines for your traffic. Instead, you should focus on building your email list and ensuring your own source of traffic for years to come.

As with any element of internet marketing, email list building takes time and practice to become proficient at but I believe it is one of the most powerful strategies you can learn to take your online business to the next level.

5 Steps To Earn Money Online With Youtube

2011-06-04T03:15:00.000-07:00

So you are pretty keen on making more money online with the use of viral marketing, especially via YouTube?YouTube has grown in stature over the last couple of years and now they are getting millions and millions of hits every month. With most people in the internet and affiliate marketing business jumping on the viral marketing bandwagon it must be showing results, right? Well it sure is, but like any strategy there are plenty of wrongs and rights that you need to take into consideration before getting ahead of yourself.Ok so the first thing you need to ask yourself is why are you uploading this video to YouTube?

Is it just for a laugh or what? This service, if used correctly, can drive extra traffic to your website resulting in more sales = a higher income. It's also vital that you get your video viewed by the correct audience and potential buyers.So what do you need to do to get your video to the correct demographic or target audience? Below are things you need to look at and take care of before uploading your video to YouTube.

1.) Proper Keyword Research needs to be implemented before adding and uploading you YouTube video. If you want to earn extra money and gain extra views you need to find out what your future prospects are searching for.

2.) Keyword tags of your video submissions are VIP - this will allow vital backlinks as well as get your videos found in the youtube listings. Meaning more views and more traffic.

3.) Make sure you use a good amount and good variety of tags to broaden your visits and views... Still staying in the location of your target audience to secure relevancy. Don't just use one tag, use many which carries relevance to your market or site/video theme.

4.) The Title of our video needs to be relevant to your video's content as well as consist of targeted keywords. Try using more than one targeted keyword in your title.

5.) After submitting your video keep track of keywords targeted, when submitted, views received and how successful this certain video was towards gaining more visitors to your site and income. By doing this you'll soon be able to see which videos are working and which aren't.YouTube is huge and if you are still not using their power for promotional purposes I can guarantee you that you are missing out.

So go ahead create, optimize and upload your video today to start making extra cash through YouTube.

How to Make Enough Money Online To Quit Your Day Job

2011-06-04T03:01:00.000-07:00

It is not a secret anymore that there is a lot of money being exchanged online today, thanks to all the opportunities that the Internet has created. A lot of people have ventured into various money making schemes only to come out disappointed because they did not make any money that was worth a mention.

There are a couple of things that one needs to have under his belt if he intends to make considerable extra income online. For those who want enough money to make it as their main source of income, then they will have to work twice as hard.The first thing you need to do is to get it out of your head that you can be an overnight success. Forget all the get-rich-quick schemes because easy come is easy go, and that is if it comes at all. Too many people sink too much money into such schemes, only to find out shortly thereafter that they have been taken for a ride.

This goes hand-in-hand with you finding out all you can about your venture before actually jumping into it. Make sure that it is 100% legit and that the juice is worth the squeeze.No matter in what niche you are going to venture into to earn extra income online, always make sure that you have a mentor or coach to look up to.

The path is always more visible when somebody else has walked it before. Let them guide you and keep you out of the pitfalls.Last but not the least, no matter what skill set you have and are employing to make the extra cash, always make sure that you keep pushing up the levels. Keep increasing your skill level and you will be able to make more.

FreeLance Writing Jobs to EArn Legitimate Money Online

2011-06-04T02:57:00.000-07:00

Earning legitimate money with freelance writing jobs is one of the easiest and risk free solutions for making money from internet. A number of people are doing this part time and even full time. If we know English and can express our views in writing we are qualified to enter this field of freelance writing. There are a number of opportunities and jobs in if we wish to succeed then we must choose any one of these online opportunities and work whole heartedly until we succeed.

Once we are successful at one opportunity or job, we can easily succeed in others. We can choose from SEO writing blogging, article writing ghost writing e-book publishing, participation in forums, review writing or one of many others. The initial key to success in writing is to choose the best opportunity and leave the rest.People are often bogged down in initial phase with these numerous freelance writing jobs and opportunities. They read a number of books, articles and news to find every possible opportunity in freelance writing and then start working for each one of them, actually we all become too enthusiastic when we find a number opportunity to make money and in order not to waste any of these we try to take profit from each one of them and this is where we become a loosing candidate.

One cannot and should not start more than one project when he is just a beginner. Working on more than one project not only increases burden and inefficiency but hopping from one project to another everyday takes up our valuable time.Even one freelance writing project can help us make a decent earning, for a beginner it is more than enough because he is just beginning and still making some income from it. We can start with any one of the jobs. Keeping a single task in hand will help us in improving not only our writing skills but it will also help our turnaround time for writing Blogging is one of the best free source where anyone can display his writing skills and ask for reviews.

This will help a would-be freelance writer to maintain his confidence and avoid harsh remarks which are otherwise inevitable.Jumping directly to highly competitive writing jobs without any writing experience or proven writing skills always creates some problems. Freelance writers who have reached those competitive markets are experienced and have proven skills, they are experienced not only in freelance writing and project handling but they have also learned a number of marketing tricks which are not visible to a fresher in freelance writing.One thing to consider before starting any freelance writing job is to learn about all the options available to a freelance writer, which are suitable to him and which are not, this will ensure a better start, as now he can choose the one he is most comfortable with, one which he can easily manage in current situation.

There are a number of websites, ebooks and guides which have listed a number of opportunities in freelance writing business. There are some guides which even teach how to write, without actually writing which is sure to attract attention of anyone.Earning legitimate money means putting legitimate efforts therefore anyone who is interested in starting a career in freelance writing must adhere to legitimate ways i.e putting legitimate efforts without getting lost in shortcuts to write without writing or plagiarizing. If we start our writing career using unethical tricks then we are sure to be dumped anytime because such things harm not only the legitimate earning but also a legitimate career at a time when its least expected. So, its better to start a freelance writing career with ethical means without getting distracted with software and tricks to write once and then create multiple copies.

Those who are interested in earning legitimate money from freelance writing jobs or starting a business can visit our website for some useful and popular writing resources like SEO writing course for Writers which can help them to discover how to shape there freelance writing career which will help them to make legitimate money online.

Work at Home Jobs - MAke Money Sitting at Home IN Your PAjamas!

2011-06-04T02:46:00.000-07:00

Are you tired of the hustle and bustle of a nine to five job? Is your commute costing more in gas than it should? Are you tired of spending so much time away from your family, or being able to do the things YOU want to do? Do you like to write? Then work at home typing jobs may just be a good fit for you.For many people who are good writers or creative, they might not appreciate how hard it is for others to write.

The natural talent you have doesn't come so easily to others, and for this reason, there are business people and online companies that are willing to pay you good money to do the writing for them. If you think about it, every single web site you visit each day has some kind of text on it. These sites are in constant need of up to date, informative, and well written content, and can provide you a very lucrative opportunity to make a steady income.When searching for the perfect person or company to work with, it is always suggested to research several companies before deciding on any one.

It is also a good idea to write a few test articles, just to give potential clients a peek into your writing style.Another great thing about these writing jobs is that the faster you type, the more content you can create, and the more money you can make. Also, once you secure clients, they will come back to you each time they need new content.

Unemployed With No Job - Make Money Online

2011-05-30T00:33:00.000-07:00

When you become unemployed, many times the only income will be unemployment benefits, and those are temporary checks you receive while you are searching for a job. But in today's economy, jobs are tough to come by and there is no guarantee that you will become employed before your benefits run out. So what do you do, and are there any options except to keep searching for work and just hope for the best? Well, the good news is that there are alternatives to 9-5 jobs because even when you're unemployed with no job, you can make money online.

Internet marketing has exploded and is the hottest career field on the planet, and although it has been around for several years, even universities and colleges are now recognizing the validity of the field; Schools are even offering bachelor and master degree programs in internet marketing. One unique thing about these online marketing careers is that anyone, anywhere, at any time can begin training because all of the training and applications can be performed online with a personal computer.

Another great thing about learning internet marketing is that there is the potential to earn money almost immediately, even while you continue to learn the business. Of course this depends upon which company or training center you choose, but the opportunity is there. A company like iMMACC Training offers a complete online program which can be beneficial for an experienced affiliate marketer or can even benefit a new person who is just starting with no experience. In addition, iMMACC Training also features a built in turn key business opportunity in which you can generate a full time income.If you choose a standard school or college to begin your training, a school like the University of San Francisco offers a complete internet marketing degree, with all training given online.

Or you may prefer Full Sail University which offers a Masters Certificate in internet marketing, which can be completed online in approximately 2 years. However, there are no income producing programs that come with a standard college or university degree program, so you would need find an additional revenue source.Whichever method you choose to learn internet marketing, you should continue your job search and always look for opportunities for income. Just remember that even if you are already employed, online marketing won't interfere with any 9-5 job or career, and in fact, network marketing could eventually replace your main source of income. Lots of people are looking into online marketing as a way to replace their regular job, because a lot of those so called regular jobs are cutting back or laying off.

With over 3 Billion more consumers being added to the internet over the next 10 years, internet marketing has a bright future, and you will also, when you begin to make money online.

The Quickest Way to Make Money Online others Would Agree

2011-05-30T00:03:00.000-07:00

If you want to make money online, one of the most effective skills to have is tied to Internet marketing. Oh yes, I'm talking about sales copywriting. This is a great source of income online, and often the amount you can earn with this skill alone has no cap. This skill of sales copywriting will take you wide and far, and open up so many paths for you when it comes to making money online. If you enjoy writing then becoming a freelance copywriter is certainly an option for you.

Else you could easily use your sales copywriting ability to bank in massive sales on the Internet.Just in case you're wondering, you DO NOT have to be an excellent writer to be a decent copywriter who can rake in the big bucks. What you must have though is common sense at least! That and a free guide (see below) to get you started. Many businesses require copywriters who can write content directly related to their website. Most of the time, these written content are either used to sell a product or service.

It really doesn't matter what the content is used for - there is always going to be a need for copywriters. It is a great and viable way to make money online because there are a ton of people out there that need quality writers.If you find that you have an interest in writing and want to make money from home, then you should definitely take a look into sales copywriting. Learning to write sales letters or quality articles can be a great way to ensure that you, as a copywriter, will always be in demand as long as the Internet exists. As there are so many people out there looking for quality writers, there is never a shortage of work. You will find that as long as you want the jobs, they will be there for you.

While there may be a shortage of jobs throughout the world, there will always be money to be made on the Internet. In times of economic downturn, people are increasingly cautious as to whom they do business with. Whether you decide to write for others or your own business, possessing the basic skill of copywriting is highly essential if you want to make money on the Internet for years to come. A copywriting gig you get today could easily put $100's and even $1000's in your pocket immediately.The only thing you need to do is to start taking action right now.

Warning online Jobs Scam Ahead

2011-05-29T23:50:00.000-07:00

Sadly there are people who want to scam you any way they can. Let's continue on looking at a couple of more tips to be aware of that you might be scammed.

1. Two of the most popular websites for job hunting on the Internet are Monster.com and Careerbuilder.com. One thing to be careful of is a phishing e-mail that may come to you after you set up in an account with these type of sites.The email will say that there is a problem with your account and you need to click on this link to install new software. Actually what happens is you end you end up on a website that then installs a virus on your computer.

2. One of the most common scams is where you are told that you can get rich working at home. Certainly there are people today that make money working at home for themselves, but there are also scammers trying to take advantage of stay at home moms, senior citizens, handicapped, and really anyone who wants to work at home.You should exercise extreme caution before joining any program without doing a thorough background check. There are discussion forums you can join to do research on a company just by asking the members their opinion on the program you are looking at. Just Google search "work at home forums" to find a few.

Also One website that can be helpful is the Better Business Bureau at http://www.BBB.org. Here you can see if there are complaints against any program or company.In our next article we will look at a couple of more things to watch out for and wrap us this short online job scam warning article series.

Tips For Avoiding Online Money-Making Scams

2011-05-29T23:43:00.000-07:00

There are thousands and thousands of individuals who fall for money-making scams online every single day. How can you tell it's a scam? How do you avoid it? Although there are tell-tale signs that a program is a scam, there are websites out there that seem so legitimate, even veterans of money-making programs fall for them. So what can you do to ensure you never fall for them?

First of all, you must know and always remember one very important key point: There is no such thing as a get-rich quick-scheme. Again, there is no such thing as a get-rich-quick scheme! It is very important that you keep this point in mind when you search for money-making ideas online. With that said, can every single one of those programs that claim to make you thousands a day all be scams?

Not necessarily. Some are scams, but there are those that are legitimate but are grossly exaggerating the truth. You can make thousands a day with some of these programs, but you have to do extraordinary things in order to be that successful, and the success usually involves a lot of time and money to invest in. Although it's possible to make some money with these programs, I would consider them scams simply because they often hide the real facts of what investments are necessary and they claim that their program makes you money in days and is so easy you can do it in your sleep. It's funny how site are site, program after program, they all claim the same thing. Yes, they probably have to claim that in order to sell something that nobody would buy if they knew up front how the program works.Lack of information on how a program works is another good sign to stay away.

Those who have searched for money-making programs online are sure to have run into these sites. They are the one's who claim an extraordinary amount of money using easy to learn methods. But that's all. All these sites do is boast and claim big rewards with little effort and offer testimonial after testimonial...but there's no description of how you will actually be making money until you pay them. And when you do pay, what do you get? You either get nothing at all, or they send you some ridiculous plan that's supposed to make you money but only leaves you disappointed and with less money in your bank. Either way, you've just wasted your hard earned cash. Do not trust these sites that won't give you any information on how their program works. They are trying to hide the truth.One of the best ways to avoid a scam is to do the research. The internet is a very powerful search tool. Use it to your advantage. If you think you found a good program, spend at least 15 to 30 minutes in your favorite search engine looking up the website or the program that you're interested in.

A good idea is to add the word "scam" or "legitimate" to your search. Don't settle for just one review you find. Often, the people who are trying to sell you their program are also the one's posting recommendations to their own product. You can also post a question about a particular program your interested in to forums that are specifically designed around the topic of money-making programs. In your question, ask if anyone's had experience with the money-making program. A warning flag that it may be a scam is when you find no information at all about the program during your search.Too many of these scams overshadow the few legitimate programs on the internet that are available.

Be prepared to have plenty of patience in your search for the right program that's suited for you. Don't give up, but learn along the way as you are sure to run into many of these money-making scams online. Use all of these tips to help you along the way. With the right attitude and determination, you are sure to find what you are looking for. Good luck and to your success!

WordPress Membership Website - 5 Great Ideas For Making Money Online

2011-05-28T18:10:00.000-07:00

Before we start to build our membership websites we should ask ourselves, "Why would people want to pay money to be part of our group?" What will they gain by paying a fee to gain access to our site? The short answer has to be that they'll gain information from our website that they feel they couldn't get elsewhere. It has to be both topical and interesting, and also presented in a way that keeps them wanting to come back for more.

The following ideas will give you a solid start and from here you can develop your own ideas that will make for a profitable membership website. Below, we offer the outline of an idea, a "project brief" if you like, so that you can take the idea and turn it into something all of your own. Take these outlines and ask yourself, "What can I offer that will give my members the answers they're looking for in these areas?"Fashion Tips Today, men and women both are intent on maintaining their appearance; they both want to look stylish without looking strange. They want to be contemporary but don't really want to be too "cutting edge" either. In short, they want to dress well and most people aren't confident about choosing clothes and styles that are flattering as well as stylish.

How can we help solve this problem? Relocating Nowadays people move around the country; or even between countries, for all sorts of reasons. People move because of their jobs and professions, because of family or education, or even just because they fancy the change. Relocating is a subject that is fraught with no end of problems. People who have relocated can help those who are about to relocate. Ask yourself, "What advice can I research and offer my membership that would make this problem easier to deal with?"Travel There are all kinds of sites where people can book flights and reserve hotel rooms but there aren't many sites where travelers can exchange information about their travels. Create a site that will allow people to share comments, ideas, and a section on "how to avoid these top 5 problems" will help your membership enjoy their travel experience. Parenting The most important job on earth that we're ever likely to face is bringing up children. New parents have no end of questions and those who have been doing it for a while have most of the answers.

Bring these two groups together, throw in some advice from grandparents, and add a FAQ's section; and you have a ready made template for membership website success. Online Gaming There are whole groups of people, young and not so young, who are so "into" online games that it demands all of their time and attention. The only thing that gamers like better than playing online games is talking about playing online games. They like to exchange information about the online games that they play, the strategy they use, the scores they have, in fact anything at all to do with their on-line world. Create a safe space and provide them with that opportunity. These are just 5 ideas that you can use, or use them as a basis for ideas of your own. That's the beauty of membership websites, there are so many different kinds of "communities"; and different people will like different ones for all sorts of reasons. If you use any of the ideas here, or come up with an idea that's completely your own, the great news is that there will be people who like it and want to share that experience with others who like the same thing.

Build a WordPress Website And Start Making Money Online With Profitable Niche Site

2011-05-28T17:59:00.000-07:00

Have you heard about niche marketing? If yes, you are on the right track to making money online. If no, then please read on...Niche Marketing is a super lucrative marketing method and online business system which focuses on targeting various micro lucrative niches to make money online. When I say "micro", it means niches that have not yet been discovered or are still pretty much untapped. By tapping into these micro niches, you will not be competing with the big guns out there. Instead, you will be catering to a targeted group of audiences and hungry customers that are waiting to buy your digital information and products.

Doing niche marketing is a very interesting business as you get to venture into numerous different niches and markets. You will not only earn great money from niche marketing but you will also get to learn new things from niche marketing. I particularly enjoy doing niche marketing by creating multiple niche sites or niche blogs to promote affiliate products on various lucrative niches. I usually come out and build 2-3 niche sites every week to target profitable micro niches. Of course, before you can even start to design and build your niche sites, you will need to do intensive research, that is, carefully-structured keyword research, to discover hot profitable niches to market on your sites/blogs.

The thing about doing niche marketing is that, it is quantity that counts as you will need to have a collections of various lucrative niche sites in order to earn great amount of money online. Basically, for my own money-making niche sites, I will carefully research and find the top 10 most lucrative niches to venture into. Now you might be asking, "Oh didn't you said that we should target only untapped micro niches instead of common and extremely-competitive top niches?" Yes, I did said that but I am not targeting these common popular niches... I am identifying the top 10 most profitable niches and then I will narrow them down, i.e. going into sub-niches. Bingo! By going deeper into the top niches and coming out with micro sub-niches within the niches, you will avoid the excessive competitiveness and get straight into making money online from your niche sites.

Niche marketing has become a prevalent online business system for numerous online marketers to utilize and make great money online. It simply works and if you put your time, effort and money into creating and venturing into more niche sites every week in and week out, your online revenue income is just going to be an exponential growth for the long run. Many Internet Marketing Gurus out there will tell you how they achieve their wealth online from their "Secret Techniques" or "Secret Tricks". They will usually say that they made big bucks online from here and there using secret tricks and techniques. Yes, they do make comfortable income online. But the thing is, they did not tell you the whole truth! These Internet Marketing Gurus make lots of money not from "secret tricks and techniques" but from their huge amount of hard work, time and money being invested into building a chain of lucrative niche sites under their belt. Simple!

They made their money online from Niche Marketing and in fact, niche marketing is changing how people make money online. And I am not talking about active income streams but PASSIVE Income streams from niche marketing. In addition, the kind of niche sites that these so-called experts built are not simple cookie-cutter websites that are built within minutes using some "revolutionary" software. They have instead spent large amount of time, effort and money into creating and building many quality niche sites and monetize the sites for great profit online. What is their SECRET? There is no secret at all! They simply build more and more lucrative niche sites as time goes by, and by the end of the day... they will make the bulk of the money online! If you look at the 80/20 rule, you will find that only 20 percent of the numerous Internet Marketers out there are making the most amount of money online. Why? Because they know how to do it the correct way.

They may not be intelligent but they are clever and smart. They, including me, know that 80 percent of the online marketers are doing the wrong things or are either mis-led and only the 20 percent of us are making the real money online! We know how to do keyword research to identify lucrative sub-niches to target and then start building sites revolving around these sub-niches. Next, we will begin marketing these niche sites intensively and begin earning money online. And most of these niche sites are painstakingly built and set up once, monetized and optimized, do the marketing intensively for a few months and they are off to be left around to help us collect Passive Income online for the long-term!Imagine if you have more than 100 such niche sites, if each niche site earns you just US$1 per day, one day you will earn US$100 and one month you will earn a whopping US$3000 just with these 100 lucrative niche sites! And the revenue doesn't just stop there, you can keep increasing your portfolio of lucrative niche sites (i.e. create and build more and more lucrative niche sites), monetize the sites with more affiliate products and ads and then increase your marketing and promotion effort... then you will be making even more money online!

That's how the real Internet Marketers made their fortune ONLINE! This is the TRUTH that has been finally REVEALED!Now, the thing that most newbie Internet Marketers face is the problem of building such quality niche sites online. Even if you have some web developing and web designing skills, you will still face another problem of how to monetize and optimize your niche sites. You are not a web designer and neither are you a SEO expert. In addition, the time and effort spent on researching and building niche sites are definitely not easy and most newbie Internet Marketers and even veteran marketers struggled at doing all these!The Good News is,

I personally own a Niche Marketing Web Development platform where I help many of my clients to build lucrative Premium Niche WordPress Sites for them to get started on the Internet. If you tap on my more than 4 years of Niche Marketing experience to assist you in building these profitable niche sites, then you will not only reduce your own workload and stress but also get to quicken your process of learning how to make money online.For a very limited period, I am offering my services to help you build your first Premium Niche WordPress Site. The niche sites that I will be building for you will be carefully-researched, gorgeously-designed, well-monetized and SEO-Optimized and superbly well-implemented with lucrative affiliate products and ads to help you start making money online with niche websites.

Making Money Online Pay Per Click Affiliate Programs

2011-05-27T20:07:00.000-07:00

Yes, this simple method of advertising that is allowing most people to make money online. Pay per click affiliate programs is helping people make a little extra money on the side. Here is how it works:Let us say that you have a blog or some other site on the internet. You post things that you care about.

For example, we will say that you post how to workout on a daily basis. The blog includes pictures of the workout, along with detailed entries of how to stay in a good shape, and live a healthy. Your blog will start to gain some followers after a time, and this is when you would most likely bring in the pay per click affiliate programs. This means that someone would put ads on your site, if you so desire, that would have to do with the theme of your blog (ie. links about working out, healthy life style, eat healthy food, and so on).Every time someone clicks one of these links on your blog, you get a small amount of money.

Let that be repeated for an obvious explanation: every click the ad receives from your site is a way for you to get paid. Hence the term, pay per click affiliate programs. The beauty of this is that you do not have to do anything different. Your website will be run and controlled by you, and the ads can be removed any time you want them to be. Also, remember that this is just one of the many ways that people make money on the internet by helping out other businesses. For those people out there who think that this sounds like a scam, just remember that even Google, the most pristine site on the entire internet, uses this same method to generate income, and they even allow people who use their blogging sites to add this feature through Google itself.

There could be nothing more normal than having a few ads on your site to help generate income for you, and visitors for someone else. If you have a site that is at least a little popular, then perhaps you should consider doing pay per click affiliate programs to help get a little money for yourself.The internet has a lot of uses, and it is high time that you started take advantage of them more. Making a little money on the side is something that people have been doing with the internet for a long time now, and if you are not doing it, then you are definitely behind the times.

Start thinking of different ways to create income right now, and in a few months you might actually be making enough that it could be effecting your household in very positive ways. Get out there and start making money using the internet as soon as you can!

Monetize Your Blog - Use Your Blogging Skills to Make Money Online

2011-05-27T20:00:00.000-07:00

If you love to blog, there is no basis why it couldn't be used as a money machine for you. Your audience has created a relationship with you and their belief is essential if you would like help in making capital. Using those blogging skills could be the initial step towards escalating your bottom line. Blogging is not simple. It requires the big "C" - Commitment.

If you are not set to invest the time it takes to make a blog victorious with people, there is no basis to deliberate about monetizing it. But, if you are reading this, you are almost certainly all set to take the next step. Guest Blogging You will have learned (or are learning) the ins and outs of blogging through your own blog. Capture what you are acquainted with and use it to the benefit of others. Farm yourself out as a guest blogger. Nowadays, guest blogging is great, but be careful that you don't thwart your own profits in the process .Offer to guest blog for business associates.

The attention that you get can drive traffic to your site and your ads and so forth that you hold there. Also, you can get great quality backlinks in the process that can further amplify your ranking, traffic and income. The grounds to be careful concern doing too much guest blogging. Maintain guest blogging to one blog at a time so that you still have time for your own blog. Blogging Jobs There are continuously busy bloggers looking for others to help them out. For the super bloggers, it is hard to manage dozens of blogs on a day by day or even a weekly basis. They will want assistance and that means you. You can go in for blogging jobs in all areas. This gives you a chance to stretch your blogging muscles and become skilled about a new topic. And, you will be getting paid for your labours. Don't forget to bring to light your blog in your bio.

How do you find blogging jobs? Go to your search engine and type in "blogging jobs." Go through the search results to locate a mixture of locations that could do with people to help with their blogs. A couple of places to start:Ø Problogger.com
Ø BloggerJobs.biz

Ø Jobster.comLocating quality blogging posts can get you started when your blog is in its infancy. There is more than one mode to monetize your blog. If you love to write and disclose, you can commence by using your talent to help other bloggers in need and other business acquaintances.

Everything You Need to Make Money Online With PayPal

2011-05-27T19:48:00.000-07:00

PayPal is the fastest and safest website available today on the internet for transferring money i.e. for sending and receiving money. You are going to miss lots of money making opportunities if you don't have a PayPal account. You will rarely find a website that doesn't use PayPal as an option for transferring money. And there are some websites even who accepts only PayPal as the only mode of money transfer. If you don't have a PayPal account, you can create it within few minutes time only. To create a PayPal account, all you need is just a working e-mail address.. So create an account on PayPal today to catch lots of money making opportunities that are just waiting for you.

Here are some easy ways we as a blogger can use to make money online using PayPal from our blogs and websites:

Blogging

Creating blogs has not been difficult these days because you don't need to be technically strong to create a blog. One can create a blog on any of blogging platform for free in just few minutes time. Blogger and WordPress are the top Blogging platforms, anyone can use to create to create his/her blog. People normally create blogs to post their articles/thoughts or what ever they want. And when you have a blog, you can use it to make money with PayPal. You can make money by writing reviews for other people and their websites, selling products, Referral programs and by filling online surveys.

Affiliate product selling

There are many companies who are willing to pay you some amount of money if you are able to sell their products and services via your blog or website. Most of the product selling websites pays you via check, PayPal and direct bank deposit. With these kinds of websites, you will earn some fixed commission for every sale that is made via your blog.

Online paid surveys

Paid surveys are the easiest and fastest way to make money even if you don't have a blog/website. Most of the online paid surveys sites transfer money via PayPal or Check.

Paid blogging

There are many paid blogging networks on the internet that are ready to pay you if you manage to write some content for their advertisers. Linkworth, Smorty, SponsoredReviews and payperpost are among top paid blog networks where you will need to submit your blog before you get an opportunity to write for their advertisers. All of these blogging networks support paypal as the mode of money transfer.

Selling text link ads

If you manage to get some real page rank and authority for your blog, then you can think of selling text link ads on your blog. Textlinkads is the biggest text link selling marketplace that sends the payments on the first of every month and Check, PayPal and Payoneer are mode this company uses for sending money to its publishers.

Top 10 Explosive Ideas to Make Money Online

2011-05-27T09:28:00.000-07:00

There are tons of money making ideas on the Internet today for everyone. If you are looking for a little extra money or a full-time money making opportunity or finding your gateway to fortune and riches online.

Then, this article will provide you great ideas of money making opportunities on the World Wide Web. Here are the top 10 ideas to get you started:

1. Making Money Online with eBay
eBay is an online auction site best described as a huge, ever-changing marketplace where items are sold daily. Surprisingly, it's very easy to get started selling products on eBay. You simply create a free eBay seller's account and you can start outright putting up for auctions any items you wish to sale.

2. Job Referrals
You might think that networking is something that only salespeople do. Well, not at all, if you knew a lot of people looking for a job, this is a great way to get into online recruiting with no overhead cost. You get paid $50 or up to several thousand dollars just for referring a candidate who gets hired. Go to sites like ReferEarns, Bohire and Zyoin.

3. Writing Jobs
If you have a good grasp of words and have plenty of things to say, all you need to do is to type those words and that's all you need to succeed. The Internet has created an overflowing of writing opportunities which can generate you $5 to $1000 per piece of writing.

4. Blogging
One of the hottest phenomenon on the Internet today is blogging and you can even set-up a blog in less than 30 minutes with zero knowledge on web design. Pick up an interesting topic, write contents, tell all your families and friends and you're off to launch your blog. Learn more ways on how to monetize it, but, just put to mind that you have to get a lot of traffic to your blog.

5. Selling Affiliate Products
Affiliate marketing can be an extremely lucrative concept to generate income on the Internet. Companies will pay you well by simply promoting their products and/or services and you can earn more in a single month than most people do in a year. It's not an easy job, you have to learn the tools and techniques the fastest way possible so you can reap big rewards. But, what I like the most doing affiliate marketing is that you can work at your own pace with or without extra cost.

6. Sell Your Photos
If you've got a digital camera and love snapping photos, then, it's time for you to make some extra money on the web. People are often searching for photos and images on stock photography sites, you'll be surprised that people are willing to pay for the right image that they need for their websites, presentations, brochures, promotional flyers, etc. So, if you have decent photos on file, upload it, and start making money. Simply perform an online search to google for stock photography sites such as iStockphoto, Dreamstime, Shutterstock, Fotolia, etc.

7. Get Paid to Read Emails
If you are looking for other ways to make money online without spending a dime? Yes, you can by simply clicking/reading the ad links in your e-mails. You can earn about $5 to $9 an hour.8. Get Paid to Surf. Make some extra cash surfing the Internet. Imagine getting paid just by surfing the web, Yes, it's for real! Advertisers want to show you their ads and they think you can be one of the billions online buyers that they're targeting to buy their stuff.

9. Get Paid to Take Online Surveys
Make some extra cash and get some free stuff for taking online surveys. If you are serious about making money for free, then this option is for you. Just a hint before signing up, better check first if the survey sites are offering their services to your country, most of them are applicable only to US and Canada.

10.Social Networking Sites
Social networking focuses on building online communities of people who share the same interests, activities or who are interested in exploring. And there are number of ways you can get paid by helping people find jobs, sharing contact information, and even just for sharing photos and videos and your normal social events. I suggest you join at least two social network sites and start profiting from them.I am sure that there are more that 101 ways of making money online but, the above list highlights some of the new, interesting and proven ideas to make money online with a very little or no capital investment at all. You may choose any of the above options and start making money online right away.

Make Money Online With Social Networking And Internet Marketing

2011-05-27T09:19:00.000-07:00

To make money online effectively, you will need a reliable means of promoting your business. Of course, most people realize this which is why they will build and develop a website solely to make money. (Well, there may be some personal rewards in addition to the monetary ones but that is another story...)

They also understand they must properly optimize the site for the search engines and go to great lengths to achieve this. But, if they are not getting involved with social networking to boost internet marketing plans, they are not going to succeed to the degree they wish. Social networking is no longer just about being social. It is about the ability to make money! When you sign on with a social networking site, you gain a lot of benefits that can certainly enhance your monetary earning potential. Why is this so? There are a number of reasons. Here is a look at the most common:

You have the ability to personalize your internet marketing venture. By adding your face and your musing on the social networking profile, you give people an insight into who you are. That can make them more comfortable with you and more willing to purchase from your site. Speaking of musings, social networking sites will have blogging platforms which you can use for a number of different purposes. It is possible to blog on all manner of subjects with some of these entries centering on information and attraction marketing themes. Of course, such approaches can definitely help you make money since they serve excellent promotional ends.

You can also add video files to your social networking profile. These files can prove wildly appealing to those that react better to visual presentations as opposed to text. The complexity levels of integrating video to your profile are low which means anyone can do it. Consider that another huge plus to working with a social networking site to make money. For those that may not wish to do something as expansive as produce video files, a series of quality photos can also boost internet marketing potential. Again, it is best to never dismiss the value of a solid series of visual images to boost an internet marketing venture's ability to make money.

In a similar vein, social networking sites come with message board and bulletin capabilities. These can often be effectively employed to present short messages and heralds about your primary business. Of course, the goal here is to send people to the primary website with the intention of converting them to paying customers or click throughs. With the right heralding, you will discover this seemingly minimalist approach delivers excellent results.

Lastly, social networking sites are free. That means you will not have to bust your budget taking advantage of the promotional strategy such networks offer. One way to make money is to not spend it when you don't have to. Using a social networking platform for internet marketing can definitely help in this regard!