making legal money online

7 Websites To Write Articles And Earn Revenue

2010-09-28T07:35:00.000-07:00

Writing online has its many advantages, and earning revenue, putting a little extra cash in the pocket, being compensated monetarily for your effort is a benefit that many look for. The good news is that the floodgates are open, and anyone can write and earn money online. This means that you don't have to be a professional blogger or author at all. These websites that make it possible to earn money by writing, desire authors who will bring quality and quantity of content. This infers that spammers are not welcome at all, as they are like parasites who offer nothing valuable to their host.
Every writer who wants to earn online should have payment accounts which includes at least:

The following seven (7) websites in alphabetical order are great places to begin earning that extra revenue that you desire.

Ehow is a place of how-to articles, guides and videos. In order to earn revenue, you need to have a paypal account as well as an American social security number. There is no range for being paid for an article on ehow, as It is based on how helpful a particular article is to readers i.e. revenue is based on ratings from readers.

Helium writers can earn through: advertisement revenue share, upfront payments, rating bonus, Marketplace, stock content and contests. One thing to bear in mind when writing for Helium is that your earning potential is directly related to your activity and the ratings that you receive. This means that you have to keep writing to make sure you retain the avenue for earning. The minimum payout threshold is $25.

Hubpages gives the agreement that a Hubber's google adsense id will be displayed for 60% of ad impressions on each page (including Hubs and Profile page), with Hubpages' id(s) displayed for the other 40%. Kontera ads are another option for a Hubber to earn revenue as well as through the affiliate programs of ebay and amazon. A hubber who refers a new hubber will also have his/her adsense id displayed for 10% of the ad impressions from google on that new hubber's hubs.

InfoBarrel welcomes writers who will contribute How-To Guides, Do It Yourself Articles and other helpful articles all of which are uniquely termed as Barrels. InfoBarrel shares 75% of the adsense revenue with a writer who can also add his/her Chitika and Amazon Associates code to even earn more.

Squidoo Lensmasters (i.e. writers) who publish their lenses (i.e. articles) can earn via ad revenue and affiliate programs from Amazon, eBay and CafePress. A lensmaster will receive 50% of the revenues from affiliate programs, and the earning from ad revenue is derived from a "PayRank scale that is based on each lens's average LensRank and traffic, and the number and quality of lenses in the lensmaster's account." 50% of the total ad revenue is distributed amongst lensmasters, 45% is for squidoo and 5% is contributed to charity. Squidoo's referral program allows a Lensmaster to earn a one time bonus of $5, when the referred person makes their first $15.

Triond writers can submit articles as well as media. Each submission is placed on one of Triond's websites depending on the category in which it falls into. Triond shares 50% of the revenue earned from each contribution with the author. In order to be paid, you have to earn at least $50 and this is typically transferred to your paypal account. The referral program which went public on January 27, 2010 allows writers to earn more revenue. When you refer someone, "you receive 10% of your referrals’ revenue (NOT including Google AdSense) for a lifetime", but as an author you must have had received at least one payment to qualify.

Xomba members can contribute xombytes and xomblurbs (now renamed to bookmarks and articles). Xombytes are articles that are at least 150 words, and xomblurbs are bookmarks including a summary of at least 50 words. Xomba shares 50% of the google adsense revenues from xombytes and xomblurbs with the author. Further earning can come from referrals. A writer will receive 10% of google adsense revenue based on the articles and bookmarks of the referred person. Note that the referred person will still receive 50%.

Top 6 Google Adsense Alternatives to Make Money Online

2010-09-28T07:24:00.000-07:00

Are you searching for a way to make money onlie? Google Adsense would be one of the best choice because Google has proven itself as a leader in the entire web space through their adwords and adsense program. Google AdSense seems to be an essential part of any website where the publisher seeks to keep quality content available for free. However, what whether you are not accepted into the Google AdSense program, or you don't want to do business with Google. Sometimes publisher or a blogger also required to take a look at the alternatives of Google Adsene to make money online just because Google has banned a publisher account for click fraud or not adhering to their policy. Perhaps if that may be not the case and you are having an adsense account. There are a number of contextual ad programs which you can run along with Google Adsense to make some extra cash online.
There are lots of contextual advertising network currently offered on the internet and it may confuse you to opt a better alternative of Adsense. So here you can go with my personal top 6 Google Adsense alternatives recommendations to make money online. But before choosing an alternative to Google Adsense, I would suggest to check out what kind of traffic you are generating to your blog.

Below is the list of Google Adsense Alternatives.

1) adbrite.com

According to me, Adbrite is currently probably the most popular ad networks after Google Adsense to make money online. The most efficient feature I like about Adbrite is, approval and rejection of each advertisement in users' control before it's displayed on their websites or blogs. It helps to display advertisement related to the content of your blog. Furthermore you are allowed to modify the style of advertisement according to your blog format. Adbrite offers ads by content, banners, in-line text ads(such as Kontera or Infolink), and full page ads. To make money through Adbrite, You need to register with their website and they will your website/blog withing couple of days.
Payout: 100$ or you can choose.

2) bidvertiser.com

Bidvertiser is another good alternative of Google Adsense. It's somewhat similar to Google Adsense and offering you only ontextual and feed advertisements. Their ad formates look such as Google Adsense ads. The most important thing I like about Bidvertiser is that they offer your ad space to the highest bidder. So Bidvertiser could be a good choice for you. However, these ads cannot be used along with Adsense but it could be a great choice if you are not having an adsense account.
Payment: Paypal and Checks.
Payout: Min $25 by Check, Paypal min $10

3) infolinks.com

In-text ads (also called inline ads) are presently on the edge of becoming standard practice. You can now find In-text ads all over the web, covering billions of page views and generate millions of dollars in revenue. And Infolinks is leading the in-text ads providers. Upon a mouse hove on double-underlined links, a small bubble holding an advertisement will be opened up. You will generate revenue when your visitors will click on those links. This is the basic ad formate of Infolinks. It could be a good choice for blogs which are generation high traffic. It's pretty easy to setup. Register with Infolinks website, copy and paste a short JavaScript code on your blog and your accounts will be reviewd within 24 hours.
Payment: PayPal, Bank Wire, ACH
Minimum payout: $50

4) kontera.com

Kontera is the second most popular inline text ad network. HubPages also allows revenue sharing using Kontera In-Text ads. You just need to add your Go in your HuPage Account, click on Affiliate Settings, add your Kontera Affiliate Code in the field of Kontera and you are done. Now onwards, each time you create a new Hub, Hubpages embeds Kontera In-Text advertising for you. Your blog will require good page impression to get approval in Kontera. However, they offers good customer support and pays on time. What I like about Kontera is their affiliate program. Kontera has it's own affiliate program which can help you make some extra cash. If a publisher sign up through your affiliate link, you will receive a bonus of 10% of their Net Revenue for the first year with Kontera. However, I would suggest to go through their terms and condition before you go with Kontera Affiliate Program.
Payment: PayPal, Bank Wire, ACH (Only for U.S. bank accounts)
Minimum payout: $50

5) chitika.com

Chitika was founded in 2003 and having hundreds of name brand advertisers and merchants. Chitiak could be a good alternative if your blog is all about review and promoting products. Do strong keyword research on a product your are going to promote and you will earn better with Chitika.
Payment: Paypal and checks.
Minimum Payout: $10 for Paypal, $50 for checks.

6) clicksor.com

Clicksor is short of similar to Chitika and Infolinks. Cliksor displays ads depends on the search query that your visitors use to find your website. This makes Clicksor different from other Ad networkds. One more matchless thing about Clicksor is it's Net15 system. If you need money fast then Clicksor could be the best choice for you. It pays every 15 days to their publishers instead of every 30 days like most ad networks.
Payment: Paypal.
Minimum payout: $50

There are many other ways to make money online. If you are good in writing fresh, informative and original content, you can start making money on HubPage itself using Amazon and Ebay Affiliate Programs.

Good Luck.

Watch out for this new computer scam

2010-09-28T05:07:00.000-07:00

Last month, we wrote about a scary new banking scam that was causing thousands of computers across the UK to become infected with a special virus allowing criminals to gain control of the computer and access personal information.
The Zeus 2 botnet – as it’s called – is a Trojan which sits in your computer system. It then tracks login information to banks, credit and debit card numbers, browser cookies, account types plus balances, bank statements, and login information for email accounts and social networks – to name a few.

With an increasing number of us using online banking facilities, this is pretty worrying stuff - especially when the number of infected machines worldwide runs into the millions.
However, it doesn’t end there. Now a new computer virus scam has come onto the scene which is generally targeting the over 50s.
How it works
Imagine you receive a phone call from a fraudster in India. You answer the phone and the caller claims to be a representative from Microsoft or uses a fictitious company name such as ‘Click 2’. You’re then directed to a legitimate looking website which is supposedly the company website.
The caller informs you that you may have a number of viruses on your computer as many other computers in your area have been infected and he’s investigating the problem.
The caller then requests remote access to your computer. As a result, the caller now has full control of your computer and will also be able to access personal details, leaving you vulnerable to ID theft.
You’re then informed that you do indeed have a host of viruses on your computer - specifically something called a Crypt 32 error.
This is actually an error with Microsoft attempting to update a security certificate. It’s not a virus and doesn’t pose any threat to users. It’s simply a bug that Microsoft needs to fix.
However, at the time of the call, you may not realise this and instead, you'll be made to think it's something to be worried about - particularly as a file will be opened, and on your screen you’ll see error messages and warning triangles which you may believe to be viruses.
The caller tells you he will ‘kindly’ fix this for you, providing you pay a fee. Due to your concern, you agree to this and hand over your credit card details or set up a direct debit for a one-off payment.
But once you’ve done this, you’re likely to find that the company has soon closed down and you’ve lost your money to a scammer. The amount of money the scammer will take can vary from person to person.
Protect yourself
Of course, you may think you’re savvy enough to never fall for a scam like this. But it won’t hurt to run over some quick tips to keep yourself safe online and make sure it doesn't happen to you.
Firstly, always be wary of any unsolicited phone calls or any emails you receive like this. If you’re suspicious of the call, hang up, and if you’ve received an email, don’t click on any links and delete it immediately. Make sure you don’t hand over any personal details or bank and credit card details.
If you see any error message on your screen telling you there’s a virus on your computer, don’t click on the message. Usually this will take you to a website to try and get you to buy anti-virus software and this is often a scam.
Instead, make sure you buy your own anti-virus software. There are a wide range of anti-virus packages out there, but most anti-virus software companies sell a standalone package that scans for viruses as well as security suite packages that include other protective software. You can read more about this here.
Make sure you update this software regularly. New viruses are created every day so this is really important.
It’s also a good idea to install anti-spyware protection. Spyware lurks inside your computer and collects information about you and your internet usage. You can find a list of anti-spyware programs here.
If you’re worried about any information you’ve received or about viruses on your computer, you should take your computer to an expert – perhaps at your local computer shop, for example. You can find out more in 12 tips to keep you safe online.
Be aware
It’s also a good idea to be as aware of the latest online scams as possible to avoid becoming a victim. And one of the easiest ways to do this is to keep reading www.makemerichessence.blogspot.com as we regularly update our readers on the latest scams!
For example, one of the most recent scams we've written about is tab napping which targets internet users who open a lot of tabs on their browser at the same time.
In a nutshell, if you’ve left one of these tabs unattended for a while, the scammers will replace it with a fake page that looks exactly the same as the original page – in an effort to obtain your personal data. So if an account you’ve been using (perhaps your bank account) has logged out, you’ll be asked to login again – and as a result, fraudsters will have access to all your security details.
To avoid being caught out by this, always check the URL in the browser address page is correct before you enter any personal details. And make sure the URL has a secure https:// address - the ‘s’ stands for ‘secure’. It’s also a good idea to avoid leaving tabs open – particularly ones that require you to enter your login details.
You’ll find the full story about this scam in The new scam that secretly steals your bank details.

Eight proven ways to make money online

2010-09-28T03:36:00.000-07:00

There’s more to the worldwide web than social networking, surfing the net for cheats and wacky YouTube videos – you can make some cash from it too!
If you're anything like me, you could happily while away hours and hours on the Internet.
Whether I'm checking on Facebook just how incriminating those photos of me are from that stag night, tweeting some profundity in 140 characters on Twitter, or checking out the latest news from various outlets, time quickly flies by.
But the Internet isn't just a vast black hole into which your free time disappears - it's also a tool that you can use to make a few quid, and for minimal effort!

&amp;lt;SCRIPT language="JavaScript" type="text/javascript"&amp;gt;document.write('&amp;lt;a HREF="http://uk.ard.yahoo.com/SIG=15tfgito6/M=757891.13856935.13857418.6847665/D=ukpersfin/S=2022089750:LREC/Y=UKIE/EXP=1285412664/L=kUktUlf4cCUrNuneTJOP2AEgKYqotkyduxgAArG0/B=JZkRAtmSuyM-/J=1285405464185579/K=L4msYeps6f1mxH5dIFqooA/A=5956398/R=1/SIG=128cc8h8v/*http://clk.atdmt.com/INV/go/192516138/direct/01/?time=1285405464185579" target="_blank"&amp;gt;&amp;lt;img width=300 height=250 src="http://view.atdmt.com/INV/view/192516138/direct/01/?time=1285405464185579"/&amp;gt;&amp;lt;/a&amp;gt;');&amp;lt;/script&amp;gt;&amp;lt;noscript&amp;gt;&amp;lt;a HREF="http://uk.ard.yahoo.com/SIG=15tfgito6/M=757891.13856935.13857418.6847665/D=ukpersfin/S=2022089750:LREC/Y=UKIE/EXP=1285412664/L=kUktUlf4cCUrNuneTJOP2AEgKYqotkyduxgAArG0/B=JZkRAtmSuyM-/J=1285405464185579/K=L4msYeps6f1mxH5dIFqooA/A=5956398/R=2/SIG=128cc8h8v/*http://clk.atdmt.com/INV/go/192516138/direct/01/?time=1285405464185579" target="_blank"&amp;gt;&amp;lt;img border="0" src="http://view.atdmt.com/INV/view/192516138/direct/01/?time=1285405464185579" /&amp;gt;&amp;lt;/a&amp;gt;&amp;lt;/noscript&amp;gt;
#1 - Cashback websites
Let's start with a classic - the cashback website. It's so simple, and it works like a dream!
All you do is sign up to one of many cashback websites out there – it’s free to do, and the biggest four are Quidco, GreasyPalm, TopCashback and Rpoints..
Then, whenever you buy anything online, from travel insurance to your weekly grocery shop, all you have to do is click on the link to your retailer, and you'll either get a fixed amount or a percentage of your spend back. Read The best way to shop online to find out more about how cashback websites actually work.
#2 - Surveys
This is a dead easy way to make money, with very little effort involved.
Just sign up to a research company, like YouGov, for example, and you can soon run up a healthy amount. YouGov polls tend to pay between 50p and £1 for each completed survey and once £50 is built up, they send you a cheque. Ok, so it might take a while to build up £50, but it's easy money!
Other sites to have a look at include Panelbase and Toluna.
#3 - Flog your old stuff!
When I got back from university, I had an awful lot of books I had no intention of ever reading again ('A Critique of Practical Reason' by the German philosopher Immanuel Kant was firmly at the top of the pile). So I created an account on Amazon, and started selling them.
In no time at all I had pretty much made back the money I had spent on the books in the first place!
Of course, if you have other items you want to get rid of besides books, then the obvious place to start is eBay, but I'd also recommend having a look on Gumtree, as you can list your items for free.
There are a load of other auction sites you can take advantage of, including eBid and OnlineAuction. I'd suggest having a look at OnlineAuctionSites, a site which reviews all auction websites and provides a host of useful information on how much it will cost you to sell your stuff on them.
Read Make money from your old junk (even if it's broken!) for more ideas!
#4 - Join the blogosphere
If you fancy sharing your thoughts and views on anything and everything, why not start up a blog?
You can do this absolutely free on WordPress. Other sites also allow you to make a few quid from placing adverts on the site (I'd recommend using Google AdSense to keep these as relevant as possible).
You can also sign up to affiliate marketing schemes, which will match your website with suitable advertisers, absolutely free!
#5 - Flog your photos
Now, this one isn't much use for me - David Bailey I ain't. In fact, I'm banned from using cameras in our family as they are guaranteed to be out of focus, or feature a cheeky little cameo from my thumb.
However, if you are capable of taking photos without making a right balls up of it, why not look at selling those photos online? Sign up to sites like Fotolia, iStockPhoto and PictureNation, and you could get paid each time your photo is downloaded.
#6 - Cash in your old mobile
This is one I'm in the process of myself, having recently upgraded my phone. Have a look at sites like Envirofone, Mazuma, Mopay and Mobile2Cash, enter the details of your phone, and they'll tell you how much you can expect to make from it!
It only takes a few minutes, and you'll soon have your hands on your cash!
Alternatively, have a look at Airmiles - you can now trade in an old phone for miles! Mine is worth about 300 Airmiles, which is halfway to a flight to Dublin!
Read Make money from your mobile phone for more tips on how to turn your mobile phone into cold hard cash.
#7 - Reclaim your cash
There are a host of ways you can use the net to reunite you with your own money!
Did you open a bank account years ago, and now can't remember for the life of you where? Hundreds of millions of pounds are sitting in dominant accounts that people have forgotten all about - sign up to MyLostAccount and you and your long lost cash will soon be back together again!
If you are regularly stuck on the platform waiting for yet another delayed train, then why not sign up to TrainDelays? All you have to do is register with them, and they will take care of the claims forms you'd need to fill out to get compensation! And it doesn't cost you a dime.
#8 - Review stuff
If blogging isn't your cup of tea, but you still want to share your opinions, then not head over to Ciao, a site which pays you to rate products and services, from makes of camera and mobile phone to restaurants and hotels.
Similarly, if you're an aspiring travel writer, or just wish to share your travel experiences, join www.SimonSeeks and write a concise, structured guide or review of somewhere you've been on holiday, preferably supplement it with a few photos and upload it. If it's accepted, they'll post it to the site for users to review.
The more people who read it, the higher its rating will be. And the more people who read the article and click on the advertising links, the more you're likely to earn. Make your reviews interesting, informative and pack them with tips and you could make a tidy sum.

How to Make Extra Money Online Now

2010-06-22T02:31:00.000-07:00

How to Make Extra Money Online Now

There are many ways to make money online quickly and easily without investing a great deal of time and without having to wait for months to collect. Some methods of earning money online require more time and others less. Most of these methods require a short amount of time per day of the occassional effort to keep them going. All of them make it possible to earn money online from home and without having to take on an extra job. For a lot of people, making money online, even if it's only a few hundred dollars a month, makes it possible for them to stay at home with their kids, stay in school or take on other responsibilities that require their time.

Make Money on the Internet

Make Money Online By Writing for eHow

To do this it's quick and easy and potentially very lucrative, but you do need to be a U.S. citizen. eHow is a website that allows anyone to write for them ot make extra money, as long as you stay wihin their guidelines. The site publishes short to medium-length how-to articles that can be about anything that is legal and non-adult in nature. Do you know how to bake a cake, make a craft, clean silver or plant seeds? Anything that you know how to do you can write a quick article about. Those articles make money online every month, and you sit back and collect the monthly payments through PayPal.
One of the best things about writing for eHow is that the monthly payments continue long after you have written the article. In two or three years you may still be earning money every month for the articles that you write this month. That can build up into a nice payment each month, bringing you extra money without any more work.

eHow Writers' Resources

Recommended Ebook
This ebook comes from one of the most sucessful eHow writers of all time, and it is recommended by many eHow writers who consistently bring in high monthly payments from the site.
eHow Writers Blog
eHow Writers is a blog that offers practical tips for writing successful articles for eHow, including how to think up topics and how to promote the articles.

Sell on eBay to Make Extra Money

Anyone in virtually any country can sell items on eBay to make extra money online. It takes a little practice to be able to write titles and descriptions that will sell your items efficiently, but there are many, many benefits of selling on the site. Selling on eBay can be either part time or full-time work, or it can be done occasionally whenever you need a little extra money.
Items to sell can be taken from around your house, from local thrift stores or they can be items that you have bought new in order to sell. Thousands of people make their livings by selling on eBay and millions more make extra money by doing so.

How to Sell Clothes on eBay
Many peple get started by selling clothes on eBay. Here's how to get started.
Learn How to Sell on eBay
Learn how experienced sellers make money online by selling on eBay.
How to Sell on eBay: A Basic Guide to eBay Selling
A good intro to selling on eBay.

Use Xomba to Make Money With Google AdSense

Google AdSense can be used in a number of ways in order to make money online. One of the simplest ways to do this is to use Xomba to bookmark items that you come across online. The site works like many other social bookmarking sites, but it differs in that the bookmarks must be accompanied by a description of the link that is at least 50 words long. It also differs in that you get a share of the Google AdSense revenue that is generated by each of your bookmark pages.
Each bookmark that you create is on a seperate page, and each of those pages will have ads on it. As long as your bookmarks aren't adult in nature or about how to do something illegal, your bookmark pages will stay up indefinitely, and you will earn half of the Google AdSense revenue of those pages. There is no limit on the number of bookmarks that you can quickly create.

Use Xomba to Make Money by Bookmarking
Xomba is easy to use and it keeps paying you again and again over time.

Write for Textbroker

Textbroker is a site that allows just about anyone to write articles and reports of various lengths for the clients who order them. Textbroker does not require professional writing experience, and most of the orders are easy to fulfill. The orders pay anywhere from a dollar or two for a vey short passage to $40+ for longer items.
The site pays out twice a month as long as you have met the minimum payout of $10. Many people make a few hundreds dollars a month with Textbroker. It's also possible to use it as a quick way to makea little money online once in a while when you need it.

More About Textbroker

Buying Web Content Through Textbroker
Here is some information about how Textbroker works.

Make Money Online by Selling on Half.com

Half.com is the lesser-known sister site of eBay. The site allows you to list items very quickly and easily because no photos are needed and the descriptions of the items are already there. You can sell a number of media items on Half.com, including books, movies, CDs and video games. To list them, you just type in the ISBN for books or the UPC number for other items and then type in a description and a price.
Half sellers are paid twice a week and can choose either a check or direct deposit. The site sets the shipping amount, collects the money from buyers and makes the entire transaction as easy as possible for you. All you have to do is ship the items to the address emailed to you and collect your money twice a month.
Anytime you need extra money, you can make money on the Internet by listing old books and movies that you never watch and old CDs that you've gotten bored with and come away with some cash.

How to Sell on Half.com
Here is more in-depth information about selling items on Half.com.

Write for Associated Content

Associated Content will pay any American citizen for articles, essays and reviews that are written and submitted through the site. The article doesn't have to be professional quality, and it doesn't have to be something that you are an expert in. Just choose a topic that the site isn't already saturated with and write at least 400 words about it.
If the article reads well and tackles a subject that is not already overpopulated on the site, Associated Content will make an offer of between about $2 and $20. On top of that, the articles will earn residual income that is paid monthly. Even if the article isn't met with an up-front payment offer, it can still earn residual income if you decide to publish it on the site.

Writing for Associated Content

How to Write for Associated Content
When I started Web writing professionally, the only clips I had were print clips and press releases. I needed article clips that had been published online and that showed my skill at writing...

making money with your digital camera

2010-06-01T05:38:00.000-07:00

Do you have a lot of interesting digital pictures (scenic, wildlife, etc) that you don't mind sharing with others? Maybe taking pictures is a hobby of yours and you've acquired quite a collection over the years. If so, you could earn a nice profit each month by letting others use your pictures for various needs - brochures, websites, etc.

You see, businesses and organizations are constantly looking for new stock photographs to use in their promotions. Stock Photography is any imagery that is available for commercial use. These images can be of landmarks, people, events, nature, etc. With the explosion of the Internet (and digital cameras), regular Jane's and Joe's like you and I can sell our digital pictures to these businesses and organizations. Prior to the Internet, only established photographers had all the right connections needed to sell their photos.

My Little Experiment... Let me tell you what I did…

Back in 2004 I took a wonderful vacation cruise through Alaska. That place is awesome! What better place for me to test out my new digital camera. I ended up taking a few hundred pictures of some nice scenic views.

When I got back home I decided to try posting some of the pictures on some of the main stock photography websites that I use regularly for image content for my businesses. So I took an hour one evening and submitted a little over 100 photographs. The websites pay the photographer each time one of the members of the website downloads one of their photographs. So I now had 103 photographs that could be browsed and downloaded by the site's members.

Let me break here for a moment to say that I honestly didn't expect to make any money at all selling my photographs. I mean, I wouldn't even say that I'm an amateur photographer - I know nothing about taking photographs, other than aim-and-click. Fortunately, the digital cameras being sold nowadays make it extremely easy to take some nice pictures. But nonetheless, I was just looking for a fun experience to tell my entrepreneur audience about.

After a couple weeks went by, I logged into the website where I had posted the pictures, and to my surprise, I found that I was averaging $0.80 a day in profit.

Here take a look at my stats for the month that I joined (I joined on the 17th):

Incase you're wondering, the site pays 20 cents per download. I had 56 downloads for the month, so that's 56 x .20 cents = $11.20.

Now, this money certainly isn't enough to get me excited! However, I only spent an hour of my time, and only submitted 103 photographs. What if I submit all 350+ photographs I took while on my Alaskan vacation? What if I submit a few thousand photographs that I took from other vacations as well? And then, what if I submit all of these photographs to multiple Stock Photography websites?

It stands to reason that you could quite easily earn an extra $50.00 - $500.00 per month depending on the number of photographs you submit, and the number of Stock Photography websites you submit to. Granted, I really don't think that you'll get rich doing this, but an extra few hundred dollars a month does make a difference to a lot of people. It doesn't take much time at all to setup, and it's a lot of fun checking back to see which pictures people like! I have also heard of a number of people that earn a full time living from doing this.

So, exactly what do you need to get started?

1.	You need some digital pictures (which you own of course) - there are some restrictions on the kinds of pictures that you can submit to the Stock Photography websites. Make sure you read the guidelines that each Stock Photography website has regarding the kind of pictures you can submit.
2.	You need to create an account on the Stock Photography websites (which is free). Below is a list of three excellent (and very popular - meaning higher downloads) Stock Photography websites. To increase your profits, create an account and upload your photographs to each one.
	Shutter Stock: This is a great Stock Photography website that pays .20 cents per download. This is the website where I earned the $11.20 in the above table - it is where I originally submitted my 103 pictures. If you'd like, you can check out my 103 vacation pictures here.
	Dreams Time: This site is awesome. They have a very high payout between .50 cents to $1.50 per download.
	Big Stock Photo: Another great Stock Photography website. This site also pays quite well at .50 cents per download.

Okay, so there you have it... a fun and easy way to earn a little extra income each month.

June 2009 Update: This system continues to provide awesome results. There are many people making 4 figures per month with their digital camera using the sites listed above. If you're willing to put in the time to take the pictures, then this is a no-brainer way for you to earn extra cash.

There is also a new program that's available online at Camera Dollars that really expands on this information and lays out all of your opportunities to sell your pictures online. The information is excellent, easy to follow, and it greatly increases your ability to quickly make a full time income selling your pics online.

make money trading forex

2010-06-01T05:28:00.000-07:00

How You Make Money Trading Forex

In the FX market, you buy or sell currencies. Placing a trade in the foreign exchange market is simple: the mechanics of a trade are very similar to those found in other markets (like the stock market), so if you have any experience in trading, you should be able to pick it up pretty quickly.
The object of Forex trading is to exchange one currency for another in the expectation that the price will change, so that the currency you bought will increase in value compared to the one you sold.

Example of making money by buying euros

Trader's Action	EUR	USD
You purchase 10,000 euros at the EUR/USD exchange rate of 1.18	+10,000	-11,800*
Two weeks later, you exchange your 10,000 euros back into US dollars at the exchange rate of 1.2500.	-10,000	+12,500**
You earn a profit of $700.	0	+700

*EUR 10,000 x 1.18 = US $11,800
** EUR 10,000 x 1.25 = US $12,500

An exchange rate is simply the ratio of one currency valued against another currency. For example, the USD/CHF exchange rate indicates how many U.S. dollars can purchase one Swiss franc, or how many Swiss francs you need to buy one U.S. dollar.

How to Read an FX Quote

Currencies are always quoted in pairs, such as GBP/USD or USD/JPY. The reason they are quoted in pairs is because in every foreign exchange transaction you are simultaneously buying one currency and selling another. Here is an example of a foreign exchange rate for the British pound versus the U.S. dollar:
GBP/USD = 1.7500
The first listed currency to the left of the slash ("/") is known as the base currency (in this example, the British pound), while the second one on the right is called the counter or quote currency (in this example, the U.S. dollar).
When buying, the exchange rate tells you how much you have to pay in units of the quote currency to buy one unit of the base currency. In the example above, you have to pay 1.7500 U.S. dollar to buy 1 British pound.
When selling, the exchange rate tells you how many units of the quote currency you get for selling one unit of the base currency. In the example above, you will receive 1.7500 U.S. dollars when you sell 1 British pound.
The base currency is the “basis” for the buy or the sell. If you buy EUR/USD this simply means that you are buying the base currency and simultaneously selling the quote currency.
You would buy the pair if you believe the base currency will appreciate (go up) relative to the quote currency. You would sell the pair if you think the base currency will depreciate (go down) relative to the quote currency.

Long/Short

First, you should determine whether you want to buy or sell.
If you want to buy (which actually means buy the base currency and sell the quote currency), you want the base currency to rise in value and then you would sell it back at a higher price. In trader's talk, this is called "going long" or taking a "long position". Just remember: long = buy.
If you want to sell (which actually means sell the base currency and buy the quote currency), you want the base currency to fall in value and then you would buy it back at a lower price. This is called "going short" or taking a "short position". Short = sell.

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Bid/Ask Spread

All Forex quotes include a two-way price, the bid and ask. The bid is always lower than the ask price.
The bid is the price in which the dealer is willing to buy the base currency in exchange for the quote currency. This means the bid is the price at which you (as the trader) will sell.
The ask is the price at which the dealer will sell the base currency in exchange for the quote currency. This means the ask is the price at which you will buy.
The difference between the bid and the ask price is popularly known as the spread.
Let's take a look at an example of a price quote taken from a trading platform:

On this GBP/USD quote, the bid price is 1.7445 and the ask price is 1.7449. Look at how this broker makes it so easy for you to trade away your money.

If you want to sell GBP, you click "Sell" and you will sell pounds at 1.7445. If you want to buy GBP, you click "Buy" and you will buy pounds at 1.7449.

In the following examples, we're going to use fundamental analysis to help us decide whether to buy or sell a specific currency pair. If you always fell asleep during your economics class or just flat out skipped economics class, don’t worry! We will cover fundamental analysis in a later lesson. For right now, try to pretend you know what’s going on…
EUR/USD
In this example Euro is the base currency and thus the “basis” for the buy/sell.

If you believe that the US economy will continue to weaken, which is bad for the US dollar, you would execute a BUY EUR/USD order. By doing so you have bought euros in the expectation that they will rise versus the US dollar.
If you believe that the US economy is strong and the euro will weaken against the US dollar you would execute a SELL EUR/USD order. By doing so you have sold Euros in the expectation that they will fall versus the US dollar.

USD/JPY
In this example the US dollar is the base currency and thus the “basis” for the buy/sell.

If you think that the Japanese government is going to weaken the Yen in order to help its export industry, you would execute a BUY USD/JPY order. By doing so you have bought U.S dollars in the expectation that they will rise versus the Japanese yen.
If you believe that Japanese investors are pulling money out of U.S. financial markets and converting all their U.S. dollars back to Yen, and this will hurt the US dollar, you would execute a SELL USD/JPY order. By doing so you have sold U.S dollars in the expectation that they will depreciate against the Japanese yen.

GBP/USD
In this example the GBP is the base currency and thus the “basis” for the buy/sell.

If you think the British economy will continue to do better than the United States in terms of economic growth, you would execute a BUY GBP/USD order. By doing so you have bought pounds in the expectation that they will rise versus the US dollar.
If you believe the British's economy is slowing while the United State's economy remains strong like bull, you would execute a SELL GBP/USD order. By doing so you have sold pounds in the expectation that they will depreciate against the US dollar.

USD/CHF
In this example the USD is the base currency and thus the “basis” for the buy/sell.

If you think the Swiss franc is overvalued, you would execute a BUY USD/CHF order. By doing so you have bought US dollars in the expectation that they will appreciate versus the Swiss Franc.
If you believe that the US housing market bubble burst will hurt future economic growth, which will weaken the dollar, you would execute a SELL USD/CHF order. By doing so you have sold US dollars in the expectation that they will depreciate against the Swiss franc.

I don't have enough money to buy 10,000 euros. Can I still trade?

You can with margin trading! Margin trading is simply the term used for trading with borrowed capital. This is how you're able to open $10,000 or $100,000 positions with as little as $50 or $1,000. You can conduct relatively large transactions, very quickly and cheaply, with a small amount of initial capital.
Margin trading in the foreign exchange market is quantified in “lots”. We will be discussing these in depth in our next lesson. For now, just think of the term "lot" as the minimum amount of currency you have to buy. When you go to the grocery store and want to buy an egg, you can't just buy a single egg; they come in dozens or "lots" of 12. In Forex, it would be just as foolish to buy or sell 1 euro, so they usually come in "lots" of 10,000 (Mini) or 100,000 (Standard) depending on the type of account you have.

For Example:

You believe that signals in the market are indicating that the British Pound will go up against the US dollar.

You open one lot (100,000), buying with the British pound at 1% margin and wait for the exchange rate to climb. When you buy one lot (100,000) of GBP/USD at a price of 1.5000, you are buying 100,000 pounds, which is worth US$150,000 (100,000 units of GBP * 1.50 (exchange rate with USD)). If the margin requirement was 1%, then US$1500 would be set aside in your account to open up the trade (US$150,000 * 1%). You now control 100,000 pounds with US$1500. Your predictions come true and you decide to sell.

You close the position at 1.5050. You earn 50 pips or about $500. (A pip is the smallest price movement available in a currency).

Your Actions	GBP	USD
You buy 100,000 pounds at the GBP/USD exchange rate of 1.5000	+100,000	-150,000
You blink for two seconds and the GBP/USD exchange rate rises to 1.5050 and you sell.	-100,000	+150,500**
You have earned a profit of $500.	0	+500

When you decide to close a position, the deposit that you originally made is returned to you and a calculation of your profits or losses is done. This profit or loss is then credited to your account.
We will also be discussing margin more in-depth in the next lesson, but hopefully you're able to get a basic idea of how margin works.

Rollover

No, this is not the same as rollover minutes from your cell phone carrier! For positions open at your broker's "cut-off time" usually 5pm EST, there is a daily rollover interest rate that a trader either pays or earns, depending on your established margin and position in the market. If you do not want to earn or pay interest on your positions, simply make sure they are all closed before 5pm EST, the established end of the market day.
Since every currency trade involves borrowing one currency to buy another, interest rollover charges are part of forex trading. Interest is paid on the currency that is borrowed, and earned on the one that is bought. If a client is buying a currency with a higher interest rate than the one he/she is borrowing, the net differential will be positive (i.e. USD/JPY) - and the client will earn funds as a result. Ask your broker or dealer about specific details regarding rollover.
Also note that many retail brokers do adjust their rollover rates based on different factors (e.g., account leverage, interbank lending rates). Please check with your broker for more information on rollover rates and crediting/debiting procedures.
Don't know what the interest rates are for each currency? Here is a chart to help you out. Accurate as of 04/19/09.

Demo Trading

You can open a demo account for free with most Forex brokers. This account has the full capabilities of a "real" account. Why is it free? It's because the broker wants you to learn the ins and outs of their trading platform, and have a good time trading without risk, so you'll fall in love with them and deposit real money. The demo account allows you to learn about the Forex markets and test your trading skills with ZERO risk.
YOU SHOULD DEMO TRADE FOR AT LEAST 6 MONTHS BEFORE YOU EVEN THINK ABOUT PUTTING REAL MONEY ON THE LINE.
I REPEAT - YOU SHOULD DEMO TRADE FOR AT LEAST 6 MONTHS BEFORE YOU EVEN THINK ABOUT PUTTING REAL MONEY ON THE LINE.

"Don't Lose Your Money" Declaration

Place your hand on your heart and say...
"I will demo trade for at least 6 months before I trade with real money."
Now touch your head with your index finger and say...
"I am a smart and patient Forex trader!"

download your latest prov files for s40

2010-05-25T09:35:00.000-07:00

download your latest prov files.

make money reading mails

2010-05-21T11:35:00.000-07:00

If you have spent any amount of time on the Internet, you have probably come across websites that promise big money for doing very little. In truth, you're not going to make "big money," but you can indeed earn cash for doing something as simple as reading email. There are sites that pay you a few cents at a time to read email offers from third-party companies, but before you know it pennies add up to dollars. Read on to learn how to make money reading email. Instructions    1.       Step 1       Research online to find unbiased opinions of which sites are legitimate and which ones string you along with promises of money that they never deliver. A couple of legitimate sites are MyPoints and InboxDollars.    2.       Step 2       Verify the site on McAfee's SiteAdvisor website to determine if the site might have spam or virus issues.    3.       Step 3       Read carefully through the program guidelines. You should be able to access them through links marked "Learn More," "How It Works," "FAQ" or maybe "Help."    4.       Step 4       Determine how money is accrued. Do you receive actual monetary credit for each email (like InboxDollars), or do you receive points that are later converted into credit at online retail stores (like MyPoints)?    5.       Step 5       Determine how many emails you can expect per day. Too few and you might not make much money. Too many and they could become a nuisance.    6.       Step 6       Find out how often payments are made. Do you need to accrue a certain amount before you can be paid?    7.       Step 7       Sign up. You may be asked to identify topics that are of interest to you so that you may be sent emails that meet those interests.    8.       Step 8       Make sure your junk email filter isn't set to delete emails from the site.    9.       Step 9       When you receive an email, click on the link verifying that you have read the email. (You don't actually have to read the email.) The link will send you to a website asking you to take advantage of an offer, but you usually don't have to accept the offer or buy anything in order to get credit for the email.    • Get Paid for Reading Your eMail • No Downline required for payout! • All Emails Worth €200! • Payouts start from €10000! • €2000 SignUp Bonus! Visit www.200euromails.net/pages/index.php?refid=essence
                                                    Tips & and Warnings
*       Although you don't have to read the emails to receive credit, they may actually have offers that interest    you, so don't necessarily dismiss them without briefly looking over the information.
*       Sites like MyPoints and InboxDollars also pay for taking surveys and for shopping at certain retail websites.

how to make money from your blog

2010-05-20T03:27:00.001-07:00

How to Make Money From Your Blog

This article is seriously long (over 7300 words), but you’re sure to get your money’s worth (hehehe). I’ll even share some specifics. If you don’t have time to read it now, feel free to bookmark it or print it out for later.

Do you actually want to monetize your blog?

Some people have strong personal feelings with respect to making money from their blogs. If you think commercializing your blog is evil, immoral, unethical, uncool, lame, greedy, obnoxious, or anything along those lines, then don’t commercialize it.

If you have mixed feelings about monetizing your blog, then sort out those feelings first. If you think monetizing your site is wonderful, fine. If you think it’s evil, fine. But make up your mind before you seriously consider starting down this path. If you want to succeed, you must be congruent. Generating income from your blog is challenging enough — you don’t want to be dealing with self-sabotage at the same time. It should feel genuinely good to earn income from your blog — you should be driven by a healthy ambition to succeed. If your blog provides genuine value, you fully deserve to earn income from it. If, however, you find yourself full of doubts over whether this is the right path for you, you might find this article helpful: How Selfish Are You? It’s about balancing your needs with the needs of others.

If you do decide to generate income from your blog, then don’t be shy about it. If you’re going to put up ads, then really put up ads. Don’t just stick a puny little ad square in a remote corner somewhere. If you’re going to request donations, then really request donations. Don’t put up a barely visible “Donate” link and pray for the best. If you’re going to sell products, then really sell them. Create or acquire the best quality products you can, and give your visitors compelling reasons to buy. If you’re going to do this, then fully commit to it. Don’t take a half-assed approach. Either be full-assed or no-assed.

You can reasonably expect that when you begin commercializing a free site, some people will complain, depending on how you do it. I launched this site in October 2004, and I began putting Google Adsense ads on the site in February 2005. There were some complaints, but I expected that — it was really no big deal. Less than 1 in 5,000 visitors actually sent me negative feedback. Most people who sent feedback were surprisingly supportive. Most of the complaints died off within a few weeks, and the site began generating income almost immediately, although it was pretty low — a whopping $53 the first month. If you’d like to see some month-by-month specifics, I posted my 2005 Adsense revenue figures earlier this year. Adsense is still my single best source of revenue for this site, although it’s certainly not my only source. More on that later…

Can you make a decent income online?

Yes, absolutely. At the very least, a high five-figure annual income is certainly an attainable goal for an individual working full-time from home. I’m making a healthy income from StevePavlina.com, and the site is only 19 months old… barely a toddler. If you have a day job, it will take longer to generate a livable income, but it can still be done part-time if you’re willing to devote a lot of your spare time to it. I’ve always done it full-time.

Can most people do it?

No, they can’t. I hope it doesn’t shock you to see a personal development web site use the dreaded C-word. But I happen to agree with those who say that 99% of people who try to generate serious income from their blogs will fail. The tagline for this site is “Personal Development for Smart People.” And unfortunately (or fortunately, depending on your outlook), smart people are a minority on this planet. So while most people can’t make a living this way, I would say that most smart people can. How do you know whether or not you qualify as smart? Here’s a good rule of thumb: If you have to ask the question, you aren’t.

If that last paragraph doesn’t flood my inbox with flames, I don’t know what will. OK, actually I do.

This kind of 99-1 ratio isn’t unique to blogging though. You’ll see it in any field with relatively low barriers to entry. What percentage of wannabe actors, musicians, or athletes ever make enough money from their passions to support themselves? It doesn’t take much effort to start a blog these days — almost anyone can do it. Talent counts for something, and the talent that matters in blogging is intelligence. But that just gets you in the door. You need to specifically apply your intelligence to one particular talent. And the best words I can think of to describe that particular talent are: web savvy.

If you are very web savvy, or if you can learn to become very web savvy, then you have an excellent shot of making enough money from your blog to cover all your living expenses… and then some. But if becoming truly web savvy is more than your gray matter can handle, then I’ll offer this advice: Don’t quit your day job.

Web savvy

What do I mean by web savvy? You don’t need to be a programmer, but you need a decent functional understanding of a variety of web technologies. What technologies are “key” will depend on the nature of your blog and your means of monetization. But generally speaking I’d list these elements as significant:

* blog publishing software
* HTML/CSS
* blog comments (and comment spam)
* RSS/syndication
* feed aggregators
* pings
* trackbacks
* full vs. partial feeds
* blog carnivals (for kick-starting your blog’s traffic)
* search engines
* search engine optimization (SEO)
* page rank
* social bookmarking
* tagging
* contextual advertising
* affiliate programs
* traffic statistics
* email

Optional: podcasting, instant messaging, PHP or other web scripting languages.

I’m sure I missed a few due to familiarity blindness. If scanning such a list makes your head spin, I wouldn’t recommend trying to make a full-time living from blogging just yet. Certainly you can still blog, but you’ll be at a serious disadvantage compared to someone who’s more web savvy, so don’t expect to achieve stellar results until you expand your knowledge base.

If you want to sell downloadable products such as ebooks, then you can add e-commerce, SSL, digital delivery, fraud prevention, and online databases to the list. Again, you don’t need to be a programmer; you just need a basic understanding of these technologies. Even if you hire someone else to handle the low-level implementation, it’s important to know what you’re getting into. You need to be able to trust your strategic decisions, and you won’t be able to do that if you’re a General who doesn’t know what a gun is.

A lack of understanding is a major cause of failure in the realm of online income generation. For example, if you’re clueless about search engine optimization (SEO), you’ll probably cripple your search engine rankings compared to someone who understands SEO well. But you can’t consider each technology in isolation. You need to understand the connections and trade-offs between them. Monetizing a blog is a balancing act. You may need to balance the needs of yourself, your visitors, search engines, those who link to you, social bookmarking sites, advertisers, affiliate programs, and others. Seemingly minor decisions like what to title a web page are significant. In coming up with the title of this article, I have to take all of these potential viewers into consideration. I want a title that is attractive to human visitors, drives reasonable search engine traffic, yields relevant contextual ads, fits the theme of the site, and encourages linking and social bookmarking. And most importantly I want each article to provide genuine value to my visitors. I do my best to create titles for my articles that balance these various needs. Often that means abandoning cutesy or clever titles in favor of direct and comprehensible ones. It’s little skills like these that help drive sustainable traffic growth month after month. Missing out on just this one skill is enough to cripple your traffic. And there are dozens of these types of skills that require web savvy to understand, respect, and apply.

This sort of knowledge is what separates the 1% from the 99%. Both groups may work just as hard, but the 1% is getting much better results for their efforts. It normally doesn’t take me more than 60 seconds to title an article, but a lot of experience goes into those 60 seconds. You really just have to learn these ideas once; after that you can apply them routinely.

Whenever you come across a significant web technology you don’t understand, look it up on Google or Wikipedia, and dive into it long enough to acquire a basic understanding of it. To make money from blogging it’s important to be something of a jack of all trades. Maybe you’ve heard the expression, “A jack of all trades is a master of none.” That may be true, but you don’t need to master any of these technologies — you just have to be good enough to use them. It’s the difference between being able to drive a car vs. becoming an auto mechanic. Strive to achieve functional knowledge, and then move on to something else. Even though I’m an experienced programmer, I don’t know how many web technologies actually work. I don’t really care. I can still use them to generate results. In the time it would take me to fully understand one new technology, I can achieve sufficient functional knowledge to apply several of them.

Thriving on change

Your greatest risk isn’t that you’ll make mistakes that will cost you. Your greatest risk is that you’ll miss opportunities. You need an entrepreneurial mindset, not an employee mindset. Don’t be too concerned with the risk of loss — be more concerned with the risk of missed gains. It’s what you don’t know and what you don’t do that will hurt you the worst. Blogging is cheap. Your expenses and financial risk should be minimal. Your real concern should be missing opportunities that would have made you money very easily. You need to develop antennae that can listen out for new opportunities. I highly recommend subscribing to Darren Rowse’s Problogger blog — Darren is great at uncovering new income-generating opportunities for bloggers.

The blogosphere changes rapidly, and change creates opportunity. It takes some brains to decipher these opportunities and to take advantage of them before they disappear. If you hesitate to capitalize on something new and exciting, you may simply miss out. Many opportunities are temporary. And every day you don’t implement them, you’re losing money you could have earned. And you’re also missing opportunities to build traffic, grow your audience, and benefit more people.

I used to get annoyed by the rapid rate of change of web technologies. It’s even more rapid than what I saw when I worked in the computer gaming industry. And the rate of change is accelerating. Almost every week now I learn about some fascinating new web service or idea that could potentially lead to big changes down the road. Making sense of them is a full-time job in itself. But I learned to love this insane pace. If I’m confused then everyone else is probably confused too. And people who only do this part-time will be very confused. If they aren’t confused, then they aren’t keeping up. So if I can be just a little bit faster and understand these technologies just a little bit sooner, then I can capitalize on some serious opportunities before the barriers to entry become too high. Even though confusion is uncomfortable, it’s really a good thing for a web entrepreneur. This is what creates the space for a college student to earn $1,000,000 online in just a few months with a clever idea. Remember this isn’t a zero-sum game. Don’t let someone else’s success make you feel diminished or jealous. Let it inspire you instead.

What’s your overall income-generation strategy?

I don’t want to insult anyone, but most people are utterly clueless when it comes to generating income from their blogs. They slap things together haphazardly with no rhyme or reason and hope to generate lots of money. While I’m a strong advocate of the ready-fire-aim approach, that strategy does require that you eventually aim. Ready-fire-fire-fire-fire will just create a mess.

Take a moment to articulate a basic income-generating strategy for your site. If you aren’t good at strategy, then just come up with a general philosophy for how you’re going to generate income. You don’t need a full business plan, just a description of how you plan to get from $0 per month to whatever your income goal is. An initial target goal I used when I first started this site was $3000 per month. It’s a somewhat arbitrary figure, but I knew if I could reach $3000 per month, I could certainly push it higher, and $3000 is enough income that it’s going to make a meaningful difference in my finances. I reached that level 15 months after launching the site (in December 2005). And since then it’s continued to increase nicely. Blogging income is actually quite easy to maintain. It’s a lot more secure than a regular job. No one can fire me, and if one source of income dries up, I can always add new ones. We’ll address multiple streams of income soon…

Are you going to generate income from advertising, affiliate commissions, product sales, donations, or something else? Maybe you want a combination of these things. However you decide to generate income, put your basic strategy down in writing. I took 15 minutes to create a half-page summary of my monetization strategy. I only update it about once a year and review it once a month. This isn’t difficult, but it helps me stay focused on where I’m headed. It also allows me to say no to opportunities that are inconsistent with my plan.

Refer to your monetization strategy (or philosophy) when you need to make design decisions for your web site. Although you may have multiple streams of income, decide which type of income will be your primary source, and design your site around that. Do you need to funnel people towards an order form, or will you place ads all over the site? Different monetization strategies suggest different design approaches. Think about what specific action you want your visitors to eventually take that will generate income for you, and design your site accordingly.

When devising your income strategy, feel free to cheat. Don’t re-invent the wheel. Copy someone else’s strategy that you’re convinced would work for you too. Do NOT copy anyone’s content or site layout (that’s copyright infringement), but take note of how they’re making money. I decided to monetize this site with advertising and affiliate income after researching how various successful bloggers generated income. Later I added donations as well. This is an effective combo.

Traffic, traffic, traffic

Assuming you feel qualified to take on the challenge of generating income from blogging (and I haven’t scared you away yet), the three most important things you need to monetize your blog are traffic, traffic, and traffic.

Just to throw out some figures, last month (April 2006), this site received over 1.1 million visitors and over 2.4 million page views. That’s almost triple what it was just six months ago.

Why is traffic so important? Because for most methods of online income generation, your income is a function of traffic. If you double your traffic, you’ll probably double your income (assuming your visitor demographics remain fairly consistent). You can screw almost everything else up, but if you can generate serious traffic, it’s really hard to fail. With sufficient traffic the realistic worst case is that you’ll eventually be able to monetize your web site via trial and error (as long as you keep those visitors coming).

When I first launched this blog, I knew that traffic building was going to be my biggest challenge. All of my plans hinged on my ability to build traffic. If I couldn’t build traffic, it was going to be very difficult to succeed. So I didn’t even try to monetize my site for the first several months. I just focused on traffic building. Even after 19 months, traffic building is still the most important part of my monetization plan. For my current traffic levels, I know I’m undermonetizing my site, but that’s OK. Right now it’s more important to me to keep growing the site, and I’m optimizing the income generation as I go along.

Traffic is the primary fuel of online income generation. More visitors means more ad clicks, more product sales, more affiliate sales, more donations, more consulting leads, and more of whatever else that generates income for you. And it also means you’re helping more and more people.

With respect to traffic, you should know that in many respects, the rich do get richer. High traffic leads to even more traffic-building opportunities that just aren’t accessible for low-traffic sites. On average at least 20 bloggers add new links to my site every day, my articles can easily surge to the top of social bookmarking sites like del.icio.us, and I’m getting more frequent requests for radio interviews. Earlier this year I was featured in USA Today and in Self Magazine, which collectively have millions of readers. Journalists are finding me by doing Google searches on topics I’ve written about. These opportunities were not available to me when I was first starting out. Popular sites have a serious advantage. The more traffic you have, the more you can attract.

If you’re intelligent and web savvy, you should also be able to eventually build a high-traffic web site. And you’ll be able to leverage that traffic to build even more traffic.

How to build traffic

Now if traffic is so crucial, how do you build it up to significant levels if you’re starting from rock bottom?

I’ve already written a lengthy article on this topic, so I’ll refer you there: How to Build a High Traffic Web Site (or Blog). If you don’t have time to read it now, feel free to bookmark it or print it out for later. That article covers my general philosophy of traffic-building, which centers on creating content that provides genuine value to your visitors. No games or gimmicks.

There is one other important traffic-building tip I’ll provide here though.

Blog Carnivals. Take full advantage of blog carnivals when you’re just starting out (click the previous link and read the FAQ there to learn what carnivals are if you don’t already know). Periodically submit your best blog posts to the appropriate carnivals for your niche. Carnivals are easy ways to get links and traffic, and best of all, they’re free. Submitting only takes minutes if you use a multi-carnvival submission form. Do NOT spam the carnivals with irrelevant material — only submit to the carnivals that are a match for your content.

In my early traffic-building days, I’d do carnivals submissions once a week, and it helped a great deal in going from nothing to about 50,000 visitors per month. You still have to produce great content, but carnivals give you a free shot at marketing your unknown blog. Free marketing is precisely the kind of opportunity you don’t want to miss. Carnivals are like an open-mic night at a comedy club — they give amateurs a chance to show off their stuff. I still submit to certain carnivals every once in a while, but now my traffic is so high that relatively speaking, they don’t make much difference anymore. Just to increase my traffic by 1% in a month, I need 11,000 new visitors, and even the best carnivals don’t push that much traffic. But you can pick up dozens or even hundreds of new subscribers from each round of carnival submissions, so it’s a great place to start. Plus it’s very easy.

If your traffic isn’t growing month after month, does it mean you’re doing something wrong? Most likely you aren’t doing enough things right. Again, making mistakes is not the issue. Missing opportunities is.

Will putting ads on your site hurt your traffic?

Here’s a common fear I hear from people who are considering monetizing their web sites:

Putting ads on my site will cripple my traffic. The ads will drive people away, and they’ll never come back.

Well, in my experience this is absolutely, positively, and otherwise completely and totally… FALSE. It’s just not true. Guess what happened to my traffic when I put ads on my site. Nothing. Guess what happened to my traffic when I put up more ads and donation links. Nothing. I could detect no net effect on my traffic whatsoever. Traffic continued increasing at the same rate it did before there were ads on my site. In fact, it might have even helped me a little, since some bloggers actually linked to my site just to point out that they didn’t like my ad layout. I’ll leave it up to you to form your own theories about this. It’s probably because there’s so much advertising online already that even though some people will complain when a free site puts up ads, if they value the content, they’ll still come back, regardless of what they say publicly.

Most mature people understand it’s reasonable for a blogger to earn income from his/her work. I think I’m lucky in that my audience tends to be very mature — immature people generally aren’t interested in personal development. To create an article like this takes serious effort, not to mention the hard-earned experience that’s required to write it. This article alone took me over 15 hours of writing and editing. I think it’s perfectly reasonable to earn an income from such work. If you get no value from it, you don’t pay anything. What could be more fair than that? The more income this blog generates, the more I can put into it. For example, I used some of the income to buy podcasting equipment and added a podcast to the site. I’ve recorded 13 episodes so far. The podcasts are all ad-free. I’m also planning to add some additional services to this site in the years ahead. More income = better service.

At the time of this writing, my site is very ad-heavy. Some people point this out to me as if I’m not aware of it: “You know, Steve. Your web site seems to contain an awful lot of ads.” Of course I’m aware of it. I’m the one who put the ads there. There’s a reason I have this configuration of ads. They’re effective! People keep clicking on them. If they weren’t effective, I’d remove them right away and try something else.

I do avoid putting up ads that I personally find annoying when I see them on other sites, including pop-ups and interstitials (stuff that flies across your screen). Even though they’d make me more money, in my opinion they degrade the visitor experience too much.

I also provide two ad-free outlets, so if you really don’t like ads, you can actually read my content without ads. First, I provide a full-text RSS feed, and at least for now it’s ad-free. I do, however, include a donation request in the bottom of my feeds.

If you want to see some actual traffic data, take a look at the 2005 traffic growth chart. I first put ads on the site in February 2005, and although the chart doesn’t cover pre-February traffic growth, the growth rate was very similar before then. For an independent source, you can also look at my traffic chart on Alexa. You can select different Range options to go further back in time.

Multiple streams of income

You don’t need to put all your eggs in one basket. Think multiple streams of income. On this site I actually have six different streams of income. Can you count them all? Here’s a list:

1. Google Adsense ads (pay per click and pay per impression advertising)
2. Donations (via PayPal or snail mail — yes, some people do mail a check)
3. Text Link Ads (sold for a fixed amount per month)
4. Chitika eMiniMalls ads (pay per click)
5. Affiliate programs like Amazon and LinkShare (commission on products sold, mostly books)
6. Advertising sold to individual advertisers (three-month campaigns or longer)

Note: If you’re reading this article a while after its original publication date, then this list is likely to change. I frequently experiment with different streams.

Adsense is my biggest single source of income, but some of the others do pretty well too. Every stream generates more than $100/month.

My second biggest income stream is actually donations. My average donation is about $10, and I’ve received a number of $100 donations too. It only took me about an hour to set this up via PayPal. So even if your content is free like mine, give your visitors a means to voluntarily contribute if they wish. It’s win-win. I’m very grateful for the visitor support. It’s a nice form of feedback too, since I notice that certain articles produced a surge in donations — this tells me I’m hitting the mark and giving people genuine value.

These aren’t my only streams of income though. I’ve been earning income online since 1995. With my computer games business, I have direct sales, royalty income, some advertising income, affiliate income, and donations (from the free articles). And if you throw in my wife’s streams of income, it gets really ridiculous: advertising, direct book sales, book sales through distributors, web consulting, affiliate income, more Adsense income, and probably a few sources I forgot. Suffice it to say we receive a lot of paychecks. Some of them are small, but they add up. It’s also extremely low risk — if one source of income dries up, we just expand existing sources or create new ones. I encourage you to think of your blog as a potential outlet for multiple streams of income too.

Text Link AdsAutomated income

With the exception of #6, all of these income sources are fully automated. I don’t have to do anything to maintain them except deposit checks, and in most cases I don’t even have to do that because the money is automatically deposited to my bank account.

I love automated income. With this blog I currently have no sales, no employees, no products, no inventory, no credit card processing, no fraud, and no customers. And yet I’m still able to generate a reasonable (and growing) income.

Why get a regular job and trade your time for money when you can let technology do all that work for you? Imagine how it would feel to wake up each morning, go to your computer, and check how much money you made while you were sleeping. It’s a really nice situation to be in.

Blogging software and hardware

I use WordPress for this blog, and I highly recommend it. Wordpress has lots of features and a solid interface. And you can’t beat its price — free.

The rest of this site is custom-coded HTML, CSS, PHP, and MySQL. I’m a programmer, so I coded it all myself. I could have just as easily used an existing template, but I wanted a simple straightforward design for this site, and I wanted the look of the blog to match the rest of the site. Plus I use PHP and MySQL to do some creative things outside the blog, like the Million Dollar Experiment.

I don’t recommend using a hosted service like Blogger if you want to seriously monetize your blog. You don’t get enough control. If you don’t have your own URL, you’re tying yourself to a service you don’t own and building up someone else’s asset. You want to build page rank and links for your own URL, not someone else’s. Plus you want sufficient control over the layout and design of your site, so you can jump on any opportunities that require low-level changes. If you use a hosted blog, you’re at the mercy of the hosting service, and that puts the future of any income streams you create with them at risk. It’s a bit more work up front to self-host, but it’s less risky in the long run.

Web hosting is cheap, and there are plenty of good hosts to choose from. I recommend Pair.com for a starter hosting account. They aren’t the cheapest, but they’re very reliable and have decent support. I know many online businesses that host with them, and my wife refers most of her clients there.

As your traffic grows you may need to upgrade to a dedicated server or a virtual private server (VPS). This web site is hosted by ServInt. I’ve hosted this site with them since day one, and they’ve been a truly awesome host. What I like most about them is that they have a smooth upgrade path as my traffic keeps growing. I’ve gone through several upgrades with them already, and all have been seamless. The nice thing about having your own server is that you can put as many sites on it as the server can handle. I have several sites running on my server, and it doesn’t cost me any additional hosting fees to add another site.

Comments or no comments

When I began this blog, I started out with comments enabled. As traffic grew, so did the level of commenting. Some days there were more than 100 comments. I noticed I was spending more and more time managing comments, and I began to question whether it was worth the effort. It became clear that with continued traffic growth, I was going to have to change my approach or die in comment hell. The personal development topics I write about can easily generate lots of questions and discussion. Just imagine how many follow-up questions an article like this could generate. With tens of thousands of readers, it would be insane. Also, nuking comment spam was chewing up more and more of my time as well.

But after looking through my stats, I soon realized that only a tiny fraction of visitors ever look at comments at all, and an even smaller fraction ever post a comment (well below 1% of total visitors). That made my decision a lot easier, and in October 2005, I turned blog comments off. In retrospect that was one of my best decisions. I wish I had done it sooner.

If you’d like to read the full details of how I came to this decision, I’ve written about it previously: Blog Comments and More on Blog Comments.

Do you need comments to build traffic? Obviously not. Just like when I put up ads, I saw no decline in traffic when I turned off comments. In fact, I think it actually helped me. Although I turned off comments, I kept trackbacks enabled, so I started getting more trackbacks. If people wanted to publicly comment on something I’d written, they had to do so on their own blogs and post a link. So turning off comments didn’t kill the discussion — it just took it off site. The volume of trackbacks is far more reasonable, and I can easily keep up with it. I even pop onto other people’s sites and post comments now and then, but I don’t feel obligated to participate because the discussion isn’t on my own site.

I realize people have very strong feelings about blog comments and community building. Many people hold the opinion that a blog without comments just isn’t a blog. Personally I think that’s utter nonsense — the data just doesn’t support it. The vast majority of blog readers neither read nor post comments. Only a very tiny and very vocal group even care about comments. Some bloggers say that having comments helps build traffic, but I saw no evidence of that. In fact, I think it’s just the opposite. Managing comments detracts from writing new posts, and it’s far better to get a trackback and a link from someone else’s blog vs. a comment on your own blog. As long-term readers of my blog know, when faced with ambiguity, my preference is to try both alternatives and compare real results with real results. After doing that my conclusion is this: No comment. :)

Now if you want to support comments for non-traffic-building reasons like socializing or making new contacts, I say go for it. Just don’t assume that comments are necessary or even helpful in building traffic unless you directly test this assumption yourself.

Build a complete web site, not just a blog

Don’t limit your web site to just a blog. Feel free to build it out. Although most of my traffic goes straight to this blog, there’s a whole site built around it. For example, the home page of this site presents an overview of all the sections of the site, including the blog, article section, audio content, etc. A lot of people still don’t know what a blog is, so if your whole site is your blog, those people may be a little confused.

Testing and optimization

In the beginning you won’t know which potential streams of income will work best for you. So try everything that’s reasonable for you. If you learn about a new potential income stream, test it for a month or two, and measure the results for yourself. Feel free to cut streams that just aren’t working for you, and put more effort into optimizing those streams that show real promise.

A few months ago, I signed up for an account with Text Link Ads. It took about 20 minutes. They sell small text ads on my site, split the revenue with me 50-50, and deposit my earnings directly into my PayPal account. This month I’ll make around $600 from them, possibly more if they sell some new ads during the month. And it’s totally passive. If I never tried this, I’d miss out on this easy extra income.

For many months I’ve been tweaking the Adsense ads on this site. I tried different colors, sizes, layouts, etc. I continue to experiment now and then, but I have a hard time beating the current layout. It works very well for me. Adsense doesn’t allow publishers to reveal specific CPM and CTR data, but mine are definitely above par. They started out in the gutter though. You can easily double or triple your Adsense revenue by converting a poor layout into a better one. This is the main reason why during my first year of income, my traffic grew at 20% per month, but my income grew at 50% per month. Frequent testing and optimization had a major positive impact. Many of my tests failed, and some even made my income go down, but I’m glad I did all that testing. If I didn’t then my Adsense income would only be a fraction of what it is now.

It’s cheap to experiment. Every new advertising or affiliate service I’ve tried so far has been free to sign up. Often I can add a new income stream in less than an hour and then wait a month to see how it does. If it flops then at least I learned something. If it does well, wonderful. As a blogger who wants to generate income, you should always be experimenting with new income streams. If you haven’t tried anything new in six months, you’re almost certainly missing some golden opportunities. Every blog is different, so you need to test things for yourself to see what works for you. Failure is impossible here — you either succeed, or you learn something.

Pick your niche, but make sure it isn’t too small

Pick a niche for your blog where you have some significant expertise, but make sure it’s a big enough niche that you can build significant traffic. My wife runs a popular vegan web site. She does pretty well within her niche, but it’s just not a very big niche. On the other hand, my topic of personal development has much broader appeal. Potentially anyone can be interested in improving themselves, and I have the flexibility to write about topics like productivity, self-discipline, relationships, spirituality, health, and more. It’s all relevant to personal development.

Pick a niche that you’re passionate about. I’ve written 400+ articles so far, and I still feel like I’m just getting started. I’m not feeling burnt out at all. I chose to build a personal development site because I’m very knowledgeable, experienced, and passionate about this subject. I couldn’t imagine a better topic for me to write about.

Don’t pick a niche just because you think it will make you money. I see many bloggers try to do that, and it’s almost invariably a recipe for failure. Think about what you love most, and then find a way to make your topic appealing to a massive global audience. Consider what will provide genuine value to your visitors. It’s all about what you can give.

A broad enough topic creates more potential advertising partners. If I keep writing on the same subtopic over and over, I may exhaust the supply of advertisers and hit an income ceiling. But by writing on many different topics under the same umbrella, I widen the field of potential advertisers. And I expand the appeal of my site at the same time.

Make it clear to your visitors what your blog/site is about. Often I visit a blog with a clever title and tagline that reveals nothing about the site’s contents. In that case I generally assume it’s just a personal journal and move on. I love to be clever too, but I’ve found that clarity yields better results than cleverness.

Posting frequency and length

Bloggers have different opinions about the right posting length and frequency. Some bloggers say it’s best to write short (250-750 word) entries and post 20x per week or more. I’ve seen that strategy work for some, but I decided to do pretty much the opposite. I usually aim for about 3-5 posts per week, but my posts are much longer (typically 1000-2000 words, sometimes longer than 5000 words, including the monster you’re reading right now). That’s because rather than throwing out lots of short tips, I prefer to write more exhaustive, in-depth articles. I find that deeper articles are better at generating links and referrals and building traffic. It’s true that fewer people will take the time to read them, but those that do will enjoy some serious take-away value. I don’t believe in creating disposable content just to increase page views and ad impressions. If I’m not truly helping my visitors, I’m wasting their time.

Expenses

Blogging is dirt cheap.

I don’t spend money on advertising or promotion, so my marketing expenses are nil. Essentially my content is my marketing. If you like this article, you’ll probably find many more gems in the archives.

My only real expenses for this site are the hosting (I currently pay $149/month for the web server and bandwidth) and the domain name renewal ($9/year). Nearly all of the income this site generates is profit. This trickles down to my personal income, so of course it’s subject to income tax. But the actual business expenses are minimal.

The reason I pay so much for hosting is simply due to my traffic. If my traffic were much lower, I could run this site on a cheap shared hosting account. A database-driven blog can be a real resource hog at high traffic levels. The same goes for online forums. As traffic continues to increase, my hosting bill will go up too, but it will still be a tiny fraction of total income.

Perks

Depending on the nature of your blog, you may be able to enjoy some nice perks as your traffic grows. Almost every week I get free personal development books in the mail (for potential review on this site). Sometimes the author will send it directly; other times the publisher will ship me a batch of books. I also receive CDs, DVDs, and other personal development products. It’s hard to keep up sometimes (I have a queue of about two dozen books right now), but I am a voracious consumer of such products, so I do plow through them as fast as I can. When something strikes me as worthy of mention, I do indeed write up a review to share it with my visitors. I have very high standards though, so I review less than 10% of what I receive. I’ve read over 700 books in this field and listened to dozens of audio programs, so I’m pretty good at filtering out the fluff. As I’m sure you can imagine, there’s a great deal of self-help fluff out there.

My criteria for reviewing a product on this site is that it has to be original, compelling, and profound. If it doesn’t meet these criteria, I don’t review it, even if there’s a generous affiliate program. I’m not going to risk abusing my relationship with my visitors just to make a quick buck. Making money is not my main motivation for running this site. My main motivation is to grow and to help others grow, so that always comes first.

Your blog can also gain you access to certain events. A high-traffic blog becomes a potential media outlet, so you can actually think of yourself as a member of the press, which indeed you are. In a few days, my wife and I will be attending a three-day seminar via a free press pass. The regular price for these tickets is $500 per person. I’ll be posting a full review of the seminar next week. I’ve been to this particular seminar in 2004, so I already have high expectations for it. Dr. Wayne Dyer will be the keynote speaker.

I’m also using the popularity of this blog to set up interviews with people I’ve always wanted to learn more about. This is beautifully win-win because it creates value for me, my audience, and the person being interviewed. Recently I posted an exclusive interview with multi-millionaire Marc Allen as well as a review of his latest book, and I’m lining up other interviews as well. It isn’t hard to convince someone to do an interview in exchange for so much free exposure.

Motivation

I don’t think you’ll get very far if money is your #1 motivation for blogging. You have to be driven by something much deeper. Money is just frosting. It’s the cake underneath that matters. My cake is that I absolutely love personal development – not the phony “fast and easy” junk you see on infomercials, but real growth that makes us better human beings. That’s my passion. Pouring money on top of it just adds more fuel to the fire, but the fire is still there with or without the money.

What’s your passion? What would you blog about if you were already set for life?

Blogging lifestyle

Perhaps the best part of generating income from blogging is the freedom it brings. I work from home and set my own hours. I write whenever I’m inspired to write (which for me is quite often). Plus I get to spend my time doing what I love most — working on personal growth and helping others do the same. There’s nothing I’d rather do than this.

Perhaps it’s true that 99 out of 100 people can’t make a decent living from blogging yet. But maybe you’re among the 1 in 100 who can.

2010-05-18T03:11:00.000-07:00

Affiliate Marketing, How Can I Make Money With?

Affiliate Marketing as we know it is a very competitive gig. Infact 95% of the people that have ever tried affiliate marketing before have completly given up because they do not see the results that they would like within a week or so.
So What Is Affiliate Marketing?
* When you go out and find companies that are willing to pay you money with high percentages for each sale that you produce for them.
The benefits of being an “affiliate marketer” are as followed:
1. You absolutely DO NOT need your own website2. You DO NOT need your own product3. Everything is completely done for you, the only thing that you need to know how to do to {make money from home} with affiliate marketing is how to get the word out there which I will explain in greater detail below.
Everyone is often misled when they hear the word “making money from home” or affiliate marketing. The reason being is because so many people are ripped off by these programs because they don’t know what they are doing once they join an online program.
There is tons of money to be made in [affiliate marketing] BUT you have to know all of the in’s and out’s of things. For example like how to get ranked in the search engines so people that are searching for stuff like “making money from home” or affiliate marketing get brought straight to your site. Once they are there and visiting your own affiliate website, you will then more then likely reap the rewards with your cut of the profit, putting more money in your pocket day in and day out.
What Is The Number 1 Way To Cash In Big With Affiliate Marketing?
The most used way of marketing online that I’ve seen over the years is strictly through Google Adwords. A ton of affiliate marketers use this program because it is laser targeted traffic and will give you the quick and instant cash that everyone wants and needs. But don’t be fooled with this awesome tool, you have got to know how to use it effectivly and get the best bang for your buck so you are not over spending money on marketing that you could be keeping in the bank. There are free trainings on the Google Adwords website that fortunatly NOT alot of people know about, I highly reccomend that as a great starting point.
Choosing Your Affiliate Marketing Website
The reason I have chosen this particular website to market is one because it is new to the internet world. If you find “money making programs”, [affiliate marketing] prgrams that everyone and tons of people have already seen 9 times out of 10 they are automatically going to click away from your site, and that is going to put a huge hole in your pocket as far as marketing costs. You want the “affiliate site” to catch your eye, because if it doesn’t why would it catch anyone elses? You want the site to look clean and unique something that even you have never seen before. Once you have successfully looked over everything that is on the affiliate site, every site that offers other people to sell there product there will normally be a link at the very bottom or on the side that says AFFILIATES. This is where you will go and sign up for your FREE affiliate account for that particular company. Clickbank, Commission Junction, PayDotCom, as well as Payzeeno are among the 4 best types of affiliate sites that I would recommend.
Anything and any program within Affiliate Marketing that is new to the industry is set up to make huge money for anyone that is willing to put in a little bit of time and patience into marketing the specific program. So if you want to reap the rewards and start making money from home with these new products or services take a closer look into exactly what you can do to start making money at home today. You need game plan before you start.

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