PinoyMoneyTalks

Develop Your Financial IQ Chapter 4

2009-09-30T17:23:00.000-07:00

How To Get Out Of A Financial Mess

There are two methods I can recommend about getting out of a financial mess.

Defensive Strategies

The first one is defensive:

Cut down what you are already spending on. You can’t start a business being in a financial mess. Cash Flow is more important than revenue. And you need to have lots of cash flow coming from your pockets if you are going to succeed.

Here are some things you can cut down on

Smoking – if you can’t quit, just cut down on a few sticks
Alcohol – booze can drain your finances faster than a running tap
Night outs – spend some nights at home thinking about making more money
Gambling – if you plan to gamble, it is better to gamble in a business
Vacation and Country Clubs – you won’t die without a few memberships
Food – eat healthily and you can even think clearer
Laziness – The biggest thing that will hold you back!

Most important of all, don’t buy anything that constitutes a liability. A liability is anything that takes money out of your pocket no matter what they are worth in the future. Think in terms of cash flow. What can I invest in today that will give me funds tomorrow?

Now let’s move on to offensive strategies:

Offensive Strategies

One of the best, low-cost ways to invest in your business skills is to join a Network Marketing company. There are many other options such as starting a traditional business or maybe even an Online Business.

But if you want to guarantee yourself something concrete where business skills are concern, my take is on Network Marketing.

Regardless of what you have heard about this industry or how much money people have lost there, the biggest reason why I would recommend everyone to invest in a network marketing company is because of what you can learn there, and not because of how much money you can make (although it would be fantastic if you can make a living out of it).

You see, network marketing companies are the one place where people will share their trade secrets FREELY. It is logical because in order for your upline to succeed, they will want you to succeed as well! Therefore, they will not hold back in teaching you the skills of a business person.

Furthermore, the relatively low cost of investing in a network marketing company will amaze you for what you can learn for the price you are paying (a few bottles of vitamins and a business kit for the experience of a lifetime!) They will patiently train you in the attitudes and business skills you need to succeed in this industry.

Basically, you can’t succeed in network marketing with an employee’s mindset. A network marketing company will train you in sales, communication, teamwork, leadership, positive thinking, self-improvement, time and money investment as well as the support of your upline as a personal coach and mentor. I dare say that even if you didn’t make a cent, but diligently went through their program, the skills you develop will last a lifetime.

You can also develop skills by attaching yourself to an insurance agency. The job may be challenging, but those companies will also teach you the same skills above and maybe even gain a few tips on financial planning as well.

How about an Internet business? If you have the aptitude for computers, Internet businesses offer a low cost, high-profit margin business that can earn a lot of money and tap into a worldwide market.

Other places you can learn about business skills can be found at financial planning courses, real estate investment courses, time management courses and lots more.

All these I have suggested will be the safest way you can start a new business. You are only spending a few hundred to a thousand dollars in start-up and education. A traditional business might be too risky for someone without any business experience. You invest tens of thousands of dollars and you might struggle trying to break even. But once you have developed the skills above, you will have a higher chance of succeeding.

The most important thing of all besides a good learning attitude are the people you mix around with.

It has been said before; you are the sum of the five people you spend the most time with!

This is very hard to swallow but imagine if you start talking to your five beer drinking, poker buddies that you want to go out on your own and make a fortune, what would they tell you? They would laugh their socks off before tearing your ego into a million pieces!

At the heart of man lies jealousy. They don’t want to see the people around them succeed. If you succeed, it makes them look bad. They know in their hearts that they are going no where yet they embrace that lifestyle and pull you down with them. They will steal your dream, and rob you of your financial freedom if you are not careful!

The key point to remember is: Only mix with Positive thinking people!

Positive thinking is not wishful thinking. A wishful thinker is a dreamer who doesn’t take action. Positive thinking is backed by action and you will feel the energy of people who believe in you and support your dreams.

If you hang out with ducks, you will quack… but if you hang out with eagles, you will soar!

So start looking for people who will follow your vision or are willing to grow together with you.

Lastly, you must BELIEVE IN YOURSELF!

The task of stepping out of your comfort zone may seem terrifying and many will not support your dream. They may even go on the offensive even if you don’t share your dream. That person may even be your parents or your spouse.

Then you will be faced with the question, is my financial freedom worth the price I am paying now? Can I live another day with the same routine, the same job, the same paycheck or the same drudgery? If the answer is no, then take action NOW. Not tomorrow, you will wake up and forget about your dream.

Write down your desire on a piece of paper and hang on tight to it everyday. Share it with someone positive and take that first step.

You won’t regret it.

To Your Financial Freedom!

Have a problem? Seek out loans if you can take the risk. Pool money from many investors or seek a grant. The sky is the limit when it comes to making money.

Again, which way do you want to achieve wealth?

Answer: it's totally up to you

(3) Got time, no money.

A lot of farmers, villagers, college dropouts or bums have lots of time but no money. Maybe ignorance is bliss, but without a stable source of income, how long can you last many days forward?

(4) Got time, and lots of money.

It is the category that big business owners, landlords, investors are in. Imagine, not having to work for money, but having money to work for you by investing them and earning profits by using your money to make money.

Short Quiz

Which one of the four categories are you currently in?

Which one category do you desire to be in tomorrow?

Develop Your Financial IQ Chapter 3

2009-09-27T17:16:00.000-07:00

The Most Important Rule in Investing

What Does Investing Mean To People?

What comes in to your mind when you mention the word investing?

Does it mean, putting your money in insurance, mutual funds, the stock market or even high-yield investments?

Other people might only think about investing when they are about to die and they haven’t left anything for their offspring.

Some even shiver when they hear the word, often claiming that they have no money to invest or feel that is too complicated a subject to even discuss about.

Many people even invest heavily in health supplements, personal trainers and beauticians to make themselves live longer, healthier or even look younger! Imagine the advertising budget for beauty companies nowadays.

All these are legitimate concerns when it comes to investing, but I am talking about the most important investment a person can make in his lifetime.

Invest in Yourself

The most important and No.1 rule is “Invest in Yourself” – if you don’t, who else will?

Your parents will only invest in your education only until you leave college. But that is just the basic necessities provided and does not teach you important lessons about financial education.

Would you depend on colleges or universities to teach you how to make money? Most colleges only teach you skills so you can earn money working for other people. How about business school? Honestly, if business lecturers are such experts at business, why are they still lecturing there instead of making a fortune in business ventures?

Would your boss teach you how to succeed in business so that one day, you will be in his position?

You and only you have to be proactive enough to take that responsibility

You see, when you invest in yourself, it means taking on the importance of educating yourself. Education not in the academic or technical sense, though they are necessary skills to be developed in life. Our education doesn’t stop at college.

For most working adults, their education enters retardation stage after they leave college. They stop learning and therefore they stop growing. They only grow sideways from eating too much pizzas or take-out during their busy lunch breaks.

We know that IQ is important right? But why aren’t the most intelligent people in the world the richest people in the world? There are many accountants and financial planners rushing to their cars every evening trying to beat the after work traffic congestions! They are not rich!

How about EQ or Emotional quotient? Do working hard, having a great attitude and a positive mindset solve our financial situation? These are important when running a business, but let me illustrate:

If you are driving from Boston to New York using the wrong road map, you won’t get to our destination no matter how fast you drive your car (working hard)! You can work harder, but you would only get to the wrong destination faster! You may have the best attitude in the world or the most positive mindset, but you still won’t get to New York (although the journey wouldn’t bother you since you are feeling positive about it)

The Importance Of Financial Education

You must FIRST invest in your Financial IQ.

Having good financial IQ is not about saving tons of money or dumping them into mutual funds. It is developing a healthy relationship money and building a wealth of assets that will generate you money.

What does it take to develop your financial IQ?

Delayed gratification is one of the most important aspects to developing your financial IQ. Take this as a hypothetical example.

Would you pay for a pint of milk or a cow?

If you buy milk, it is consumed and it is over. You will have to buy milk over and over again when it is finished. Even if the milk costs less than a cow, in the long run, you will still be buying milk again and again.

Now, if a cow were to cost 50 times more than milk, you might pay through your nose when you purchase the cow, but after consuming 50 pints worth of milk from the cow, you would break even on your investment and save more money in the future. In fact, the cow might give birth to 2 or more calves and you could sell one of them for profit!

Get the idea?

EVERYONE is capable of creating wealth. When you take a beat up old car and give it an overhaul, paint it with a new coat of paint, and change a few more parts to make it start running again, you could sell that car for more money than if it was just a beat up old car. You would have created wealth in the process!

How about a farm? If you turn a farm into a country home getaway resort, wouldn’t the value of the farm land increase manifold?

It is the same principle for chefs, computer programmers and craftsmen. The sum of the whole is greater than the parts. We are all capable of creating wealth even out of thin air and that is the first step to getting our creative juices flowing.

The value of anything is defined by supply and demand.

You don’t need to be a Major in economics to understand this. Money is just an idea. Remember the desert island example? The true measurement of money is not the cents or dollars it represents.

If you have developed a product that people want, would they pay more to you than usual? Would you apply your skills in creating good assets?

Bottom-line is this:

Invest in assets that bring long term value. Anything that brings you more income is an asset. Don’t invest too much in liabilities like cars or boats.

Even houses are not considered assets until they are fully paid off (If you lost your job tomorrow and you can’t pay for your house, is your house an asset or liability?)

Are you willing to step out of your comfort zone and pay the price for financial IQ or ignore the signs of the times and expect your boss, the government and the bank to take care of you financially for the rest of your life, living below your means and never taking risks to better your family’s future?

b usiness people, leaders

If you are a professional, have you ever explored writing an e-book about your field of expertise? If well written, it could provide a new income stream, instead of you selling out your time serving your clients.

How about a computer programmer? You can come out with your own revolutionary product instead of selling your ideas to the company you work for.

How about real estate, instead of selling houses, you can pool financial sources to buy houses cheap, increase their value and sell them off at a higher price. It just takes a little time and research to find good ideas.

Is money a problem? Seek out loans if you can take the risk. Pool money from many investors or seek a grant. The sky is the limit when it comes to making money.

Again, which way do you want to achieve wealth?

Answer: it's totally up to you

(3) Got time, no money.

A lot of farmers, villagers, college dropouts or bums have lots of time but no money. Maybe ignorance is bliss, but without a stable source of income, how long can you last many days forward?

(4) Got time, and lots of money.

Short Quiz

Which one of the four categories are you currently in?

Which one category do you desire to be in tomorrow?

Develop Your Financial IQ Chapter 2

2009-09-24T17:07:00.000-07:00

Ways To Achieve Wealth

2 Wealth Building Models

Everyone wants to make more money, but people are generally split into two categories:

Those who bring results after they are promised wealth first

Those who bring the results first, then are rewarded by others afterwards

Let’s explore the two groups in depth.

Those who only move their butts after promised big fat paychecks are more like employees, freshmen, or mercenaries.

There is no right or no wrong with this kind of thinking, but consider: you are once again, trading your precious time for money. Instead of investing your time in an ASSET that generates money, you spend your time working on something that is short term, limited wealth, and does not give you income long after you have stopped working.

Consider also, that this kind of short term vision will only produce limited or temporary results at best. Ever seen a security guard asleep at work when the boss is not around?

Furthermore, the part where our emotions get the better of us is when we allow our lives to be run by chasing the dollar. It is evident whenever an employee is offered a higher salary, more medical benefits and longer vacations, that their heart starts pumping faster.

A higher salary doesn’t mean less financial problems. On the contrary when your income goes up, your commitments, your tax bracket and your time spent in your company increases.

The greater your salary, the weaker your position because if your boss is paying you a 5 figure income and calls for an emergency meeting, you had better rush over to the office even if you are halfway making love to your wife!

I think the best definition of an employee/boss relationship can be summed up as this.

An employee will only do the bare minimum to keep the boss from firing them and a boss will only pay the bare minimum to keep an employee from leaving.

Now let’s explore the other group.

There are many creative people, inventors, entrepreneurs, and business leaders who fall into this category.

An entrepreneur is someone who always has good ideas.

The first obstacle we need to overcome if we want to succeed in the second group is to stop working for money. What does this mean? Isn’t making money part and parcel of having good financial IQ?

What I mean by ‘stop working for money’ is not working for free. Rather, it means work so as to gain the necessary skills you need to be a successful entrepreneur (or inventor, investor). Allow me to illustrate:

If you lack the contacts for running a business, where would the best place be to look for contacts? Of course, your competitor’s customers.

How about product knowledge? Then work with a company that will teach you all the ins and outs of the tricks of the trade.

Not familiar with the production line of a factory? Work in one! Learn the ropes or manage the factory workers.

Fear of talking to people? Get a sales job where you will be forced to talk to lots of people. It is also a great way to develop perseverance!

Don’t you know that the best education you can get is in real life! Not at a lecture hall.

The bottom-line is: not everybody has what it takes to succeed as an entrepreneur!

It is not that easy. Many lack the perseverance, the creative mindset, the financial capabilities or the necessary people to get the job done and usually give up too early before any results can be seen! The fastest way to get those skills to succeed is to learn them hands on and you even get paid in the process! Don’t get absorbed with how much you are paid.

When Donald Trump was selecting candidates in The Apprentice, their first task was to go to the streets and sell lemonade! Many would find it a degrading task. But to The Donald, it was very important: If you can’t even do something as simple as sell lemonade, how on earth can you handle a daunting task like running the Trump Empire?

Again, let me emphasize:

Would you trade time for short term money? (Money stops coming in when you stop)

Trade time and money for a long term asset that generates you income? (Even long after you have stopped)

God created us with a brain. All we need to do is look around us and observe problems to overcome because every problem is an opportunity in disguise.

It is all up to you. You may or may not see the results in the short term, but by using our brains and the resources around us, we can create true value that others are willing to pay for what we have to offer.

3 Ways of Making Money

Let me summarize the 3 Ways of Making Money

Trading Time For Money - employees, self-employed

Manifesting & Using Creative Ideas - inventors, artists, programmers

Leveraging on resources and other people - business people, leaders

How about a computer programmer? You can come out with your own revolutionary product instead of selling your ideas to the company you work for.

Is money a problem? Seek out loans if you can take the risk. Pool money from many investors or seek a grant. The sky is the limit when it comes to making money.

Again, which way do you want to achieve wealth? Answer: it's totally up to you

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(3) Got time, no money.

A lot of farmers, villagers, college dropouts or bums have lots of time but no money. Maybe ignorance is bliss, but without a stable source of income, how long can you last many days forward?

(4) Got time, and lots of money.

Short Quiz

Which one of the four categories are you currently in?

Which one category do you desire to be in tomorrow?

Develop Your Financial IQ Chapter 1

2009-09-20T16:54:00.000-07:00

Foundation in Financial IQ

Definition Of Insanity

Naturally, most if not all of us want and crave for something better. It is all part of us if we want a bigger car, a better house, buying good things for the family. We keep hoping for more but, in order to get what you don’t have, you have got to do something you have never done before.

That simply means:

Doing the same thing over and over again YET expecting different results!

As an employee, you can’t stay at the same job forever and hope that a miracle will happen and your boss will suddenly give you a raise. You will be lucky that there is no downsizing in your company. Switching to another company will only provide a short term solution to a long term problem.

Sure, you can take up a second or even third job, but do you have enough hours and stamina in a day to sustain it?

The bottom-line: Trading time for money isn’t wise financial sense in the long term. You keep on increasing the hours just to win the rat race, but in the end of the day, you are still a rat on the mill!

Increasing your wages only puts you in a higher tax bracket. Your salaries increase but so does your expenses on your house and car. How will you invest in yourself when all the time you spend working for a company, working for the government paying taxes and working for the bank paying off your house and car? What if you fall sick and can’t work tomorrow? Will the government take care of your family?

I highly doubt so.

So isn’t it time you take your finances a tad more seriously?

What Is Money?

You see, there are many ideas of what people think money is.

Some say it is a form of measurement.

Yes, but a measurement of what? Wealth? In the olden days, people measured wealth by how many cows, sheep and horses they had. But do people measure wealth today by your cows and horses? How about slaves? Was there a time where manpower is considered a hot commodity? Are slaves worth anything today? Are your dollar bills sitting in the bank going to protect you if a recession strikes the country? No, wealth can not be measured by the dollar bill.

Some say it is a form of power.

Yes, money can give you power, but if you are stuck on a desert island forever with a trillion dollars, will that money mean squat to you? If someone offered you water and a helicopter to fly out of there, you would trade all your money in a split second, so money is not an accurate measurement of power – it heavily depends on how and wisely you use it (hint!).

Many believe it is the root of all evil… and several others take on this belief without much questioning.

Now, now, now… money is NOT the root of all evil (otherwise, why do you think churches still accept monetary donation and charity?). The love of money is the root of all evil. Remember, money is an excellent servant but a terrible master. If you are trading your life away for the dollar, money then has power over your time and life.

And unless you have proper financial intelligence, the lack of money can spawn a lot of evil thinking and negative mindset as observed in primarily cheats, thieves, criminals, breakups, freeloaders, cheapskates, and more to name.

But what is money, really?

Money is an idea, backed by confidence.

While money has naturally been developed by merchants in the older days to replace the questionable barter system, money today is literally invented by the rich and wealthy.

Entrepreneurs are willing to part with their money to buy other people’s time. Other people’s time i.e. employees and self-employed people becomes their employer’s asset and the employers this priceless resource to go on to create more wealth for themselves.

And here’s the thing: as long as you work for money, you are enslaved by it! 80% - 90% of the populations today are being enslaved involuntarily.

What we don’t realize is that there is a part of our soul that cannot be bought at whatever price. Would you chop off your little finger if your boss offered you 24 months of your salary immediately? You and I know we are worth more than that. But when you hear of cases of people selling their body parts for cash in some countries, we can have our eyeballs pop out of our eye sockets.

On the other hand, we occasionally DO sell out a part of ourselves for money like a donkey and a carrot.

Awareness Before Change

Now don’t get me wrong: I’m not banging on working at a job (I worked at one before I became an Internet Entrepreneur).

But let’s face it: our needs today are growing more than ever before in any period of history. Prices go up, salaries don’t. There are more baby boomers than ever and have very little pension to show for their decades of years of work efforts.

And there is no guessing to how many people really, really hate the unhealthy, hectic lifestyle of getting up early, coping with stress for most parts of the day, join traffic jams, spend more money and time in traveling, enjoy very little rest, and repeat the viscous cycle.

Definitely doesn’t paint a nice financial and lifestyle picture, huh?

The first step to change is to be aware of the problem. Awareness before change (or ABC for short) is necessary if you are to make any changes in life to start taking control of your financial life and then get out of the rat race.

We need the awareness to know what state we are in so we know where we are going. For starters, indulge me in a quick exercise as we exit this chapter shortly:

Time And Money

There are generally 4 types of people in the world:

(1) No time, and no money.

Most employees fall into the category. You can’t go shopping on a Tuesday afternoon or fire your boss whenever you like. Most employees can’t even save money in their pension to last 3 years!

(2) No time, lots of money.

Self-employed, professionals and small business owners are in this category. They are slightly better off than the employee because they earn more, but they have to work even harder than employees to keep up with the diminishing profit margins, competition and servicing their customers.

(3) Got time, no money.

A lot of farmers, villagers, college dropouts or bums have lots of time but no money. Maybe ignorance is bliss, but without a stable source of income, how long can you last many days forward?

(4) Got time, and lots of money.

Short Quiz

1. Which one of the four categories are you currently in?

2. Which one category do you desire to be in tomorrow?

Develop Your Financial IQ

2009-09-19T16:49:00.000-07:00

“Greatly Enhance Your Financial Sense In A Fun And Easy Way – And Take Control Of Your Finances Today!”

TOPICS:

Chapter #1: Foundation In Financial IQ

Definition of Insanity

What is Money?

Awareness Before Change

Time And Money

Chapter #2: Ways To Achieve Wealth

2 Wealth Building Models

3 Ways of Making Money

Chapter #3: The Most Important Rule In Investing

What Does Investing Mean To People?

Invest in Yourself

The importance of Financial Education

Chapter #4: How To Get Out Of A Financial Mess

Defensive Strategies

Offensive Strategies

Watch out for this coming topics which I will be sharing to you starting tomorrow.

Amazing Advertising Tips (Final Part)

2009-09-18T17:38:00.000-07:00

26 Develop a relationship with all your visitors and customers. Tell them how much you appreciate them visiting your web site or buying your product. Invite them to online and offline events like free chat room classes, parties, dinner gatherings, business events, etc. 27 Hire a business coach to help improve you and your business. That could help increase your sales, motivate you, balance your workload, etc. It would be like renting an extra brain. You would have double the thinking power. 28 Stay away from being too comfortable with your income or life. You should always be making new goals for yourself and developing new sales ideas. The world keeps changing and if you pause too long, you might miss out. You only live once. 29 Make sure you don’t become a workaholic. Your mind needs time away from your business life. This will help your brain think clearly while working. The best time to get profitable ideas is when you’re not thinking about them. They just pop into your brain 30 Create and follow short/long-term goals for your business. The short-term goals can create early success and the long-term goals can create future success. Design each goal so they all add up to your ultimate goal. Don't make your goals too unrealistic otherwise depression and frustration could move you farther away from them. The End no... This is only the Beginning! I hope you enjoyed learning with me on this journey. Please visit my blog regularly to get more Tips on Love and Life... Thank you!

Amazing Advertising Tips (Part 5 of 5 Parts )

2009-09-15T17:37:00.000-07:00

21 Allow your visitors to reprint the content on your web site. Just ask them to include your resource box and a link to your site in exchange. This will turn your content into a traffic machine and the external links will help increase your ranking in some search engines. 22 Provide a free contest or sweepstake at your web site. It's a fact, people like to win things. If you can fulfill that need, people will visit. You can also attract them to revisit by holding one every week or month. You could also start an opt-in list for people who enter your contest or sweepstake so you can follow-up with them regularly. 23 Save time and money by using ad submitters. You will reach a larger part of your target audience far more quickly than by manually submitting your ad. You should manually submit your ad to the most popular web sites so you have a better chance of being listed or placed in a good position. 24 Create a good first impression. You will not be able to sell very many products if your visitors think your web site looks unprofessional. Use crisp graphics, attractive color combinations, a readable text size, even spacing, even margins, bold headlines, indent benefits, etc. 25 Stop procrastinating and start finishing all your business tasks. Do one at a time. Don’t get caught up thinking that you can never get them all done. Make a list. Do the easiest or most crucial one first and move down the list. Cross off each task as you complete it. Linkback please..... One more issue to go,,,

Amazing Advertising Tips (Part 4 of 5 Parts )

2009-09-12T17:34:00.000-07:00

16 Use pictures or graphics on your web site that support the product you're selling. They could give your visitors a clearer vision of your product, the benefits of the product, people's emotion when they own the product, etc. You could also use ‘before’ and ‘after’ pictures. 17 Create a friendly, long-term relationship with all your customers. Practice good customer service and follow-up with them on a regular basis. You could follow-up with gifts, greeting cards, free things, coupons, special offers, reminders, your e-zine, helpful advice, etc. 18 Create strategic alliances with other web sites. You could exchange banner ads, sell each other's products as back-end products, cross-promote, etc. You could also create a web site together and promote it on your separate web sites. You would both just split the costs and profits. 19 Increase the perceived value of your product to skyrocket your sales. Add on free bonuses, after- sale services or an affiliate program. Other factors that would help are: your own domain name, a professional web design, a good-looking product graphic and persuasive ad copy. 20 Give customers a discount on their total order to increase sales. You could give them a discount for ordering over a set dollar or product amount. For example, you could say, "Buy over $39 worth of products and get a 20% discount on your order!" Another example, "Get a 15% discount if you order 3 or more products!" Can't wait for the final part???? Be patient...

Amazing Advertising Tips (Part 3 of 5 Parts )

2009-09-09T17:31:00.000-07:00

11 Allow your visitors or customers to increase your traffic or sales. Ask them how you can improve your business, web site or product. You can ask them at your web site, in your e-zine, on your message board, in your chat room, in your guest book, in your product packages, etc. 12 Team up with other e-zines that have the same target audience. Combine subscriber bases and then publish one e-zine together to increase subscribers. You could all include your ads and announcements in the e-zine. You could also take turns for the top advertising space. 13 Swap endorsement advertisements with other web sites. Endorsement ads usually pull more sales and traffic than regular advertisements. People have taught themselves to ignore advertisements because they see hundreds of them every day. Endorsements usually don't look or sound like normal ads. 14 Outsource part of your workload to save time and money. You can spend more of your time and money promoting your business. You'll save money on employee costs, space costs, training costs, etc. Keep the work you enjoy doing to keep you motivated and ship out the work you don't like. 15 Include a signature file on all the e-mails you send out. Provide your business name, phone number, e-mail and web address, etc. Also include a brief blurb for your business or the product you're selling. For example, you could say, "How To Wash Your Car In Two Minutes or Less!" Amazing??? Wait till you read the next part...

Part 2 of 5 parts AMAZING ADVERTISING TIPS

2009-09-06T02:57:00.000-07:00

Carry business cards with you wherever you go. Have your web address printed on them. You can hand them out to anyone you meet. Just think of all the people you meet on a regular basis: grocery clerks, post office workers, bag boys, family members, friends, salesmen/women, etc.
Contact national radio stations to ask them if they are looking for guest speakers. Tell them our area of expertise; maybe they'll book you for a show. Of course you would want to contact targeted stations and shows which would want to know more about you and your area of expertise.
Join clubs related to your area of business. You could trade leads with other businesses. Learn new ways to run your business and sell your products. You could also create your own online business club. You could provide private chat rooms, message boards, articles, etc.
Think of a domain name for your web site that's easy to remember. It should be related to what your business does, sells or provides. If there aren’t any business names available, use your actual birth name. You could at least brand yourself. Your own name will give you credibility.
Position your web site at the top of pay-per-click search engines. You will only pay your set amount for each click-through you get to your web site. Just make sure your profits will pay for your advertising cost. If they won't, maybe you could share a website with another related business and split the costs.

Getting interesting everyday!!! Til next part....

Amazing Advertising Tips (Part 1 of 5 parts)

2009-09-03T02:52:00.000-07:00

In this 5 part article I will share with you some Amazing Advertising Tips that will benefit your business and will give you higher sales you can ever imagine!

Tell your audience what kind of support they'll get after they buy. It could be free consulting, tech support, free servicing, etc. This may also answer some of their buying questions ahead of time.People don't want to buy products without knowing you will be there to help if they have problems.
Ask people at the end of your copy why they decided not to buy. This will give you new ideas on how to produce ad copy that’s more profitable. Have a web form or e-mail link in place so they can answer you. You may find out they don't like your guarantee or graphics. It could be anything.
Think of ways to get your site or business in the the news. You could sponsor a fundraiser, break a world record, hold a major event, etc. Simply write a press release about what you’ve accomplished, then send it to media outlets that cater to your target audience.
Hold a contest on your web site. Give other web sites the option of offering it to their visitors. This'll multiply your advertising all over the Internet. It would become a viral contest. Of course the contest must either be ongoing or held regularly so you could allow other online publishers to offer it to their visitors or subscribers.
Tell your potential customers that your ordering system is highly secure. Also reassure them that you take every effort to protect them. People want to feel they are safe online. They want to know that you care about their well-being. Tell them all about what you currently do for them to make them feel more secure.

Watch out for the second part!

Joined New PTC Sites

2009-07-07T21:10:00.000-07:00

I just recently joined new PTC Sites which you will find at the sidebar. That is JAYSU and Beach Bux. These are trusted PTC Sites that really gives cash-out. I had a very bad experience with Click for a Buck.... After clicking and earning $5,000.00 in my account,,, when I finally applied for a cashout.... After more than a month... Viola! I got $0.02 in my PayPal Account... I was so disappointed and stopped clicking for them. I just wish I get could get more referrals so that I will earn more... I am finding ways...

Beauche Beauty Products

2009-07-04T02:33:00.000-07:00

Everytime you drop by my site, do you see this picture on the side bar? She is the owner/founder of Beauche Beauty Products which I personally use. I have been using this product since last November 2008 and have given great results. At the office, my friends order these from me. So I decided to sell it full time. I started by creating a site solely for selling this, where you can see: All the products available for sale Frequently Asked Questions The Company who manufactures this I have received orders from the USA and I am really happy to share these with women my age (even younger than me sometimes). Mommies like me should be able maintain our youthful beauty, the Natural Way! I was not always this conscious of my looks, as i find beauty products very expensive. But eversince I discovered Beauche, I realized that I can have the youthful beauty that I want at a price that I can afford!!!

Entrecard

2009-07-02T04:04:00.000-07:00

I don't know why Entrecard is taking so long to approve this site of mine. Huhuhu,,, Hopefully soon,,, please....

Blog MakeOver

2009-06-25T02:07:00.000-07:00

I have to make over this blog,,, It doesn't quite look right. And I am trying to find out how I can pull more people into this site.... My other blog have regular visitors because of Entrecard. I am hoping to do the same here.

Best PTC Site

2009-06-24T06:52:00.000-07:00

The best PTC site ever,,,, is still NEOBUX ! ! ! It pays instantly and referral earning is soooo great. HAPPY EARNING ONLINE EVERYONE!

PAGE MAKEOVER

2009-06-23T07:17:00.000-07:00

I have decided to makeover the appearance of this site of mine. And also at the same time to update the Trusted List of PTC's. Here you will find the active ones I am using at the right sidebar, just click it to join. I will not explain again how this PTC sites work, as almost all of you know already how this thing works. But for those who are still newbies on this, read below (earlier post "Make Money with Get Paid to Click (PTC) Sites" to learn more. Along the way I have learned how to have more visitors on my site. I joined Entrecard and viola! I have now many followers on my Personal Blog everyday! And also, I have my online store of Beauche Beauty Products and Ebooks/Audio Books. There are a LOT of ways to learn online. In the following days, let me share to you the things i've learned.

Make Money with Get Paid to Click (PTC) Sites

2009-03-07T02:08:00.000-08:00

Are you a mom or a dad who want to work close to your family? Want to fire your boss and have your own business? Need a part time job at home? Are you a bum who sits in front of a computer but doesn't earn anything from it? Are you a student in need of extra cash? Are you just any other person who needs money for yourself and your family? This home based job or business I'm offering is exactly just for YOU!

BUSINESS NAME: PAID TO CLICK Programs

PTCs are the most popular internet income opportunity at present and will be more popular in the future. These are programs/websites where advertisers pays YOU to click and view or surf their advertisements.

YOUR JOB: Click and view advertisement for 30 seconds and get paid for it. (Wait for the "check" or "OK" mark to be sure you get paid)

MINIMUM REQUIREMENTS:

1. A PC or a laptop - Obviously you need this one if you want a home-based job/business.
2. Internet connection - preferrably broadband or higher.
3. Positive attitude - this is a job/business that requires patience and dedication.

EARNING POTENTIAL: $300-$1500 per month or even more!

BRIEF EXPLANATION OF EARNING POTENTIAL:

Let's say you joined 10 PTC programs and those PTC programs has 10 advertisements each. Most PTCs will pay you $0.01 per advertisement view. That's 10 PTC programs x 10 ads = 100 ads, 100 ads x $0.01 = $1.00/day, $1.00 x 30 days = $30.00/month (your personal earnings per month)

That's it? CHEAP? I don't think so. You earned that without cashing out, right? That's guaranteed extra income for you!

SO HOW CAN YOU EARN $300-1500 OR MORE? In PTCs, you multiply your income through REFERRALS. Most PTCs will pay you 100% of your referral earnings. Let me give you an example...

$30.00/month (your personal earning)
10 referrals x $30 = $300 (your earnings from your referrals when they do exactly what you do)
$300 + $30 = $330 (your total earnings with only 10 referrals)

What if you have 20 referrals? You earn $630.00/month! What if you have 50 referrals? You earn $1,530/month! What if you joined more than 10 PTC programs? What if you have a lot of referrals? You do the math. Just imagine how much you could earn monthly!

THE SECRET TO BE A SUCCESS IN THE PTC BIZ IS THE GOLDEN RULE:

Do unto others what you would want others do unto you. You need to be an active PTC user. That means you need to click and view ads daily for you and your referrer to earn in this business. In the same way, your referrals will copy your actions, so they earn while you earn. Everyone is happy!

STEP BY STEP GUIDE TO START WITH THE PTC BUSINESS / PTC JOB:

Step #1: Be sure to have your own email. If you don't have one, get a free email at yahoo.com or gmail.com
Step #2: Register at alertpay.com and paypal.com (this is where most PTCs will pay you)
Step #3: Register a FREE account at the PTC programs/sites below. Just click the banners to register for FREE.
Step #4: Login to your PTC programs and start earning by clicking on the ads and viewing it (wait for the checkmark to be sure you got paid for your click)
Step #5: Make the clicking and viewing of ads a daily habit (all it takes is 1-2 hours a day depends on how many PTCs you joined)
Step #6: Refer others to join under you. If you want, you can copy my ad. Just change the referral links in the banners. Be PATIENT. Keep on clicking.
Step #7: Cashout your earnings when you reach minimum payout.
Step #8: Enjoy your money and spend it wisely!

CLICK THE BANNERS BELOW TO REGISTER NOW FOR FREE AND START MAKING MONEY ONLINE AT THE COMFORT OF YOUR HOME!!! LIST OF GET PAID TO CLICK PTC SITES:

Number of daily ads: 10+ Earning per own click: $5.00 Earning per referral click: Percentage Minimum payout: $1,000.00 Payment method: alertpay Payment request: 48 hours

Number of daily ads: 5+Earning per own click: $0.01Earning per referral click: $0.01Minimum payout: $2.00Payment method: alertpay, paypalPayment request: instant

Click Here to Register to Clickin.me

Number of daily ads: 10+Earning per own click: $0.01Earning per referral click: $0.005Minimum payout: $1.99Payment method: alertpayPayment request: 2 business days Notes: trusted and new ptc.

10+ ads daily. $0.01 per click. $0.001 per referral click. $2 min payout via alertpay. TRUSTED.

Number of daily ads: 10+Earning per own click: $0.01Earning per referral click: $0.005Minimum payout: $4.00Payment method: alertpayPayment request: 24 hours - 10 business days Notes: trusted and new ptc. paid me within 24 hours!

Click here to register at ARA-Bux

Number of daily ads: 10+Earning per own click: $0.01Earning per referral click: $0.005Minimum payout: $10.00Payment method: alertpayPayment request: 30 business days Notes: trusted and new ptc.

Click here to register 5+ ads daily. $0.01 per click. $0.01 per referral click. $10 min payout via check. TRUSTED. VOTED TOP 10 BEST PTC.

5+ ads daily. $0.01 per click. $0.01 per referral click. $1 min payout via alertpay. TRUSTED

10+ ads daily. $0.015 per click. $0.005 per referral click. $10.00 min payout via alertpay. TRUSTED

10+ ads daily. $1.00 per click. $1.00 per referral click. $2,500.00 min payout via alertpay/paypal Paid in 45 days on the 15th of each month. TRUSTED

10+ ads daily. $0.01 per click. $0.005 per referral click. $5.00 min payout via alertpay/paypa;. TRUSTED

10+ ads daily. $0.01 per click. $0.01 per referral click. $10.00 min payout via alertpay/paypa;. TRUSTED

Number of daily ads: 8+ Earning per own click: $0.01 Earning per referral click: $0.005 Minimum payout: $5.00 Payment method: alertpay Payment request: 72 Hours

Notes: trusted and new ptc.

www.earn10bux.com

Number of daily ads: 5+ Earning per own click: $0.01 Earning per referral click: $0.005 Minimum payout: $4.00 Payment method: alertpay Payment request: instant Notes: trusted and new ptc.

www.oldschoolbux.com

Number of daily ads: 8+ Earning per own click: $0.01 Earning per referral click: $0.005 Minimum payout: $5.99 Payment method: alertpay/paypal Payment request: upon request

Notes: trusted and new ptc

www.Bux.bg.com

Number of daily ads: 8+ Earning per own click: $0.01 Earning per referral click: $0.005 Minimum payout: $10.00 Payment method: alertpay/paypal Payment request: upon request

Number of daily ads: 8+ Earning per own click: $0.01 Earning per referral click: $0.005 Minimum payout: $5.00 Payment method: alertpay/paypal Payment request: 7-30 business days

Notes: trusted and new ptc

http://www.unobux.com/b/?s=1&u=mlcorrea

REFERRAL POWER: Earn more through referrals. Click the banners below to register with social networks and referral sites to spread your referral link around the world. With more referrals, you can earn more with less time.

Number of daily ads: 15+Earning per own click: $1.00Earning per referral click: $0.05Minimum payout: $199.99Payment request: 2-5 working daysNotes: earnings converted to ads only

I got Paid by Neobux! Instant!

2008-12-26T01:40:00.003-08:00

My first ever payment from Neobux!!! Thank you Neobux...

SCAM ALERT: Clickin.Me Cancelled Alertpay Withdrawal Option And Now Supports Only Wire Transfer

2008-11-22T03:33:00.000-08:00

Now, this is another new scam site, with an innovative idea of scamming. They just canceled all payout requests through alertpay. And they are now only offering cashout through alertpay, god knows for what reason. Now lets go with what we have found out, and what are the facts. LOW CASHOUT??: Because of the low cashout, they used to say, that they were receiving thousands of cashout request everyday. For that, they were making the delays, since handling such large volume of cashouts each day was not possible. And more, they refused to raise the payout level from $2, since they believed such a low payout was the reason behind their success. BANK FEES- SO ARE THE CASHOUT REEQUIREMENT LOW ANYMORE??: So why are they initiating bank transfer then? Bank transfer fees are very high, in some countries its as high as $20 per transaction. In no part of the world a bank transfer is possible without a fee; a fee which is never too low. So effectively, you cannot cashout $2, since this will leave nothing in your hand after the fees are cut off. WHAT IS THEIR PROBLEM WITH ALERTPAY??: Well, they first set up bank transfer as an option besides alertpay, and no one had any complain. Now they are asking for bank transfer only, no alertpay. What the heck is their problem with alertpay? If handling payouts are too tiredsome, why cannot they shift to an instant paying script, or just raise the payout, or require minimum number of clicks for payout? DESPERATE BANK TRANSFERS??: When asked why they are so desperate about bank transfers, they only have one logic- "The world's best companies use bank transfer for paying affiliates". They even mentioned Adsesne as an example. Dude, WTF? I understand Adsense and clickin.me are both advertising agencies, but how can one compare these two? Adsense solely makes Google the world leader in the business today, and Adsense is the biggest reason of Microsoft losing their no.1 position to Google. And you guys- a thousand dollar worth of ptc? SALE SALE SCAM: They just had a sale going on a few days back, which is still running on their site. All referral packages and premium memberships were discounted by 30%. And just after a lot of poeple bought a lot of referrals and premium memberships, they changed the cashout system. They even did not give any pre-annnouncement. Now suddenly, people have realized their money has all been wasted. When asked for a refund, the admin says no refund is possible as per "TOS". Now, its pretty obvious why they initiated the cashout change just after the sale. Easy money stolen. WHAT ABOUT 18- PEOPLE (age less than 18)??: A huge portion of ptc clickers are below 18. And even in their TOS, nowhere its stated that a member should be above 18. Now the problem is, in alot of countries one must be above 18 to create a bank account. What about them? With no bank account, they can no transfer, so no cashout. IS NON-PAYMENT A PART OF CLICKIN.ME TOS? YOU PLAN TO STEAL MORE MONEY??: Now its clear, with bank transfers, one cannot cashout low. So you gotta reach big amounts (maybe $50+) to get a reasonable amount in your hands. Okay if you plan to reach that amount clickin yourself, but that will take months (almost). Sorry, you wont get help from referrals, they are not that dumb to continue clicking. So to earn good, one will have to consider buying referrals, and premium. Ahh, more moneys lost. I can guarantee that you wont get active referrals, as there won't be that many stupid members. However, this won't apply if they sell you bots (which they will be doing soon most probably). MEMBERS NOT THE MOST IMPORTANT??: In answer to a statement stating members as the most important part of their ptc, the admin said "advertisers are the most important". They got advertisers? With no one to click anymore, how many of the advertisers will stay interested? No one. Nil, zilch, nada. YOU WILL LOSE YOUR ADVERTISERS TOO. WHAT CURRENT MEMBERS SHOULD DO??: Bid good bye to the site. This is for the good of the whole potc community. If some of you stay with them, then more ptcs will be encouraged to use the same systems, in the process robbing a lot of users. Better, spread the news. Post in money related forums, alert others, blog, do everything else. Inform your referrals too, enocurage them to boycott the site. Help them shut down quickly, without cheating any more of us. Source:http\\moneyshouts.blogspot.com

2008-11-18T06:20:00.001-08:00

Undergoing MyBlogLog Verification

2008-11-17T06:37:00.000-08:00

Undergoing MyBlogLog Verification

Breaking News: IsabelMarco Launches New GPT Sister Site!! Get in FAST

2008-11-17T03:57:00.000-08:00

This is the Breaking News in the PTC/GPT industry. IsabelMarco, the giant and most trusted site in the ptc industry has launched a sister site, IMPiggyBank. Earning options are wide here, as you will get paid to surf ads and complete offers, both. Now about completing offer, you can actually earn quite a lot as offers are high paying. There are a lot of offers for international members, free to complete (takes seconds) but pays around 25c+. So add one more site to your list which you can trust blindly. IsabelMarco is the site we trust most. Now about specifications. Site is free to join Payout is $9 Referral earning is 2 level deep: 20% first level/5% second level. Payout should be fast (ot sure as site just opened today) Currently there are 8 offers worth $16. Also, the template of this new site is really nice, lot lot better than the isabelmarco original site. What are you waiting for? Join IMPiggyBank now. Source:http\\moneyshouts.blogspot.com

How to Withdraw your Alertpay Funds in the Philippines

2008-11-16T07:00:00.000-08:00

How do I withdraw my alertpay funds here in the Philippines? This is the questions most newbies ask when they start their money making venture online. Never fear and don't worry. The answer is here. Option 1: Mailed Check. Go to your alertpay account and request to withdraw your funds through check. You will have to wait 3-4 weeks to arrive in your address. Once you've got your check, you can encash your check in your nearest money changers accepting international dollar checks. You can also deposit your check in your bank account. It doesn't matter if you have a dollar or peso account. Unionbank, Metrobank, Landbank, BDO, RCBC, and PNB are some of the banks that accept international checks. If your bank is not on this list, inquire in your bank to be sure. If they are not accepting international checks, open a bank account in one of these banks. Option 2: Alertpay to Paypal. Invest your alertpay funds in your trusted get paid to sites that pays through paypal. Once you get your investment back with interest, cash it out to your paypal account. Withdraw your paypal funds through Unionbank Eon Visa Electron Card. Processing will take about 5-7 days. Withdraw your cash in any ATMs. If you do not have a Unionbank Eon Visa Electron Card, apply for one in your nearest Unionbank branch. You will only need P350 to apply for the card. For more info, check this site - Eon Visa and Paypal Guide. Click here. Option 3: Fund Transfer. This option is not available yet but if you don't need to withdraw your funds, just save it there and wait until this feature becomes available. It shouldn't be long. If you have any questions, feel free to comment or email me at maribethlayug@yahoo.com Source:pinoydeal

HOW TO GET MORE REFERRALS?

2008-11-15T03:06:00.000-08:00

WHAT IS A REFERRAL? A referral is someone who works for you. Sounds good? Keep on reading: A referral gets what every other user gets when they click ads: Money! But, if a user that clicks ads is your referral, you get money too! There are two types of referrals: Direct referral: This user registered using your username as their referer. Bought referral: You bought them. So, how do you get referrals? Here are the three ways you can do that:

Use the banner with your referral link provided by the PTC site…

When the visitor clicks that banner, he will be sent in Neobux site. Then, all he has to do is register.

Talk:

Just tell everyone to register at your PTC site and to type your username on referer field when they do so.

Buy: (Needs money to buy – I don’t recommend this because you can look for yourself referrals for free)

You can buy referrals to work for you. Just go to your account to do so. The quantity of referrals available will vary depending on how much users registered without a referer. Other ways of gathering referrals: Posting your referral invitation with the use of Free Ad Posting Websites Some free posting ad sites are, www.sulit.com.ph www.adflakes.com www.adpost.com/ph www.buysell.ph www.myadpost.com/ph others (use search engine i.e. yahoo, google) The use of “different forums on the internet (search forums with the use of search engines) I recommend active forums in Friendster MySpace Imeem Other networking sites… Join public forums with many members then post your referral invitation which includes the right information about your invitation to make them interested to join. Create your own blogs or websites. You can use, www.blogger.com www.wordpress.com http://geocities.yahoo.com These web hosting sites are proven to advertise your blogs or websites on search engines (i.e. Google). This way, your blog is transparent in the whole world and anyone with internet connection is able to search your blog or website with the use of search engines. You can also apply features on google to give more exposure on your site or blog, just visit google web hosting services. After creation of website or blog, you can also use this site to get more traffic/visitor to your site, http://freetraffics4u.page.tl/ Source:http:\\earnrealmoneyontheinternet.blogspot.com