get money without hard working

$10 to Read This Post

2010-12-02T02:59:00.000-08:00

$10 to Read This Post

That’s right -you will get $10 if you read this post. No joke. So start reading!

As you probably know by now, Twitter is an amazing social media tool that you should be using to draw more traffic to your sites thus making you more money. You do so because you can broadcast your marketing message to thousands of interested buyers. For instance, with Twitter each and every time you post an update, your message gets broadcast throughout your entire network! Which means that every single person on your list can see every single link you post. And since Twitter allows users to post a website link in the profile, you will gain a high-quality back link in seconds! If you want a simple way to reach out to thousands of potential customers, establish credibility online or grow a targeted list of subscribers, Twitter is the easiest way to do it, hands down.
Take advantage of the recent Twitter explosion in popularity
Everyone from your neighbour to Barack Obama is using Twitter. In fact, President Obama even used Twitter to announce Joe Biden as his Vice President candidate using Twitter! Celebrities are all over this as well – in fact many get paid very well to send messages to their followers. The question really is then – how do I take advantage of the popularity of Twitter to increase my online profits? That’s where Twitter Adder comes in. Your $10 is not far away now – keep reading!
What is Twitter Adder?
Twitter Adder is a software program that allows you to grow your follower list – and does so quickly. This slick software package has won numerous awards and was recently named “Best Twitter Follower Software”. If you’re interested in purchasing the software for yourself, you have a free demo of it available to try before you buy. Some key highlights of Twitter Adder:
6 Laser Targeted, GLOBAL Twitter User Search Tools
Multiple Twitter Account Management
Powerful Automated Tweet Posting and Direct Messaging
Full Twitter Stats and graphical historical viewing
Twitter Current Trends and Historical Trends Research
Url Shortening with Cli.GS to Graphically Track Your link click thru rates to your site
Windows and Mac Os X compatible
7 Day Money Back Guarantee
Free Unlimited Software Upgrades and Support
When I came across Twitter Adder I was so thoroughly impressed with the product I bought it and became an affiliate. The affiliate support system that they have in place is top drawer as well – I don’t think you’ll find one better. I haven’t yet! As part of the affiliate program they give you access to over 30 different video’s that educate you on affiliate marketing – giving you great tips on topics such as increasing your conversion rate, article marketing, Google AdWords, forum marketing, and where to find traffic to name a few. These training videos aren’t specific to Twitter Adder. The increase in knowledge you will gain from these videos will certainly help all of your online money making ventures.
So how do you get the $10?
Easy, sign-up to the Twitter Adder affiliate program and they will give you $10 in your affiliate account. Free $10, an amazing award-winning product to promote, Twitter exploding in popularity, fantastic training tools that would cost you at least $100 to buy – seems like a no brainer to me! Did I mention that this affiliate program is also two-tiered?! I’ve provided a printscreen of my account below with the $10 deposited into my affiliate account when I signed up. Amazing!

If you want the $10, Click Here and sign up for their affiliate program. It’s that easy!
Geoff

PRINCIPLE MEDIA EDUCATION-PRINCIPLE

2010-12-02T02:58:00.000-08:00

Media Education is an integral part of the education process at school. And since it became an area that should be mastered by any teacher or teaching professional.

Because this field has evolved in such a way thanks to the progress of science and technology and changes in public attitudes. So this area has been interpreted more broadly and have a wider function as well and has a very important value in education at school.
Based on the patterns of thought above, it is clear that the field of media education is certainly very closely related to the purpose of education and psychology of learning, as well as patterns of media organizations in general education
EDUCATION AND MEDIA EDUCATION
Discoveries in the field of science and technology have brought an enormous influence in the world of education. As a result of influences that then more and more educational progress, thus pushing reform efforts
In line with this progress, then this adult education in the schools kitatelah showed rapid development. Change and renewal is not just happening in the field of curriculum, teaching methodology, tools and educational assessment, but also occur in the areas of administration, organisasi.Bahkan as a whole can be said that the change was a reform in the education system that covers all existing components.Renewal business is now headed towards the realization of a more concrete conception of the school with the emergence of this new school pembangunan.Sistim rests upon a solid foundation, including:
1. Education aims to form a whole person2. Education lasts a lifetime, inside and outside of school.3. Education based on ecological factors, namely the condition of the people who are building and socio-cultural conditions as well as natural4. Based on the views of modern learning psychology, in which the child scales in regard as a growing organism, the ability to indulge and interact, both with society and its environment.
Teachers and educational media.
The work of teachers is a professional job, because it is in need the ability and authority. That ability can be seen in its ability to run its role as a teacher, instructor, counselor, administrator, and as supervisor of science.
In this field, every teacher will be faced with at least five challenges, namely:
1. Does he have the knowledge, understanding and understanding enough about media education?2. Does he have the skills on how to use the media in the process of teaching in the classroom.3. Is he able to create their own educational media tools are in need?4. Is he able to do an assessment of the media who will or who has been in use?5. Does he have the knowledge and skills in the field of educational media administration?
Skills selecting and using educational media. Teachers not only have enough knowledge about the media only. But also must have the skills to choose and use the media well. For that he needs to experience practical exercises on an ongoing and systematic, both in the re-service and in in-service training.
Choosing and using educational media must comply with certain criteria, namely:
1. The purpose of teaching2. Lesson materials3. Teaching methods4. Availability of equipment is needed5. Road lessons6. Assessment of learning outcomes7. Private teacher8. Interest and student ability9. Teaching situation is in progress.
From here we can see that between media education and other teaching factors, very close ties and is a fabric of the chain.

infolinks

2010-10-16T06:58:00.001-07:00

was to obtain money from the internet tuh there are so many sources. Well one of the source is infolinks, infolinks is a broker in-text> advertising, they are broken ads, display ads on our blogs in the text, and each one click on the link will get the money, simpelnya hell like that. the fellow would be smaller than on the click google adsense but so much more than google adsense, in my experience of 100 people then there will be 7 people who click on ads from the google infolinks whereas if there's only 1 person. so is the potential infolinks once.Infolinks can put on your blog Indonesian and English language blogs, but of course the English language blog more profitable and bring in much money. to list on infonlinks not hard, a blog with 100 visitors per day in thanks aja kok, well after the receipt so you just plug them publiser code they provide, post code like the code paid to promote. nah to pebayarannya, infolinks using paypal, so that you do not have paypal please register paypal. then minimum payment is $ 100 and paid net-45 (45 days after the end of the month in which our income above $ 100).
Now what? interested in joining infolinks? please list in http://infolinks.com. other than that infolinks can join with google adsense and paid to promote, so in a blog at least you have 3 sources of income, of course your earnings will increase again. good luck and hopefully infolinks income continues to grow.

A Great Idea For a Blogging Web Site is No Longer Enough

2010-10-04T13:19:00.001-07:00

Because there are so many blogs and web sites about
blogs on the internet, it can be tough to distinguish your
blogging web site from all of the others. Whether you
are starting up a new web site aimed at bloggers or
whether you are looking to make your existing blogging
site more distinctive, the key to building and
maintaining a site that will capture the interest and
attention of the blogging community is finding your
niche. If you can fill a unique need in a way that no
other web site does, you'll be able to build a lasting
readership among web surfers. Once you have
discovered a niche, you will still have a lot to do, but
finding your place in the blogosphere is the place to
begin.

Every great blogging web site starts with a great idea,
and you can't build a successful site that will last
without one. There are many great sites aimed at
today's bloggers, and competition for the attention of
this growing demographic is fierce. To make your
blogging web site stand out from the pack, you will
need to offer something that no other site is currently
offering, or you will need to do the same thing that an
already popular site does but in a more impressive or
valuable way.

One way to discover an ideal model for your blogging
web site is to look at the sites that have successfully
captured a blogging audience already to determine if
you can appropriate some of their strategies to help
realize your vision. Of course, you will also need to add
a unique flair to your project in order to stand apart
from your competition. Many people agree that the web
sites that do the best in today's market are the sites that
have the most personality. The fiercely individual
surfers who are bloggers are a demographic that
responds especially strongly to personality, so consider
how you can give your site a unique and attractive
feeling by lending your own voice and sensibility to
your site's design and content.

Once you have a great idea for your site, have
pinpointed a special niche that you are well equipped to
fill, and have infused the site with personality, the next
step is figuring out how to get the word out to bloggers.
In the long run, a great idea just isn't enough to propel
your blogging web site to success. You will need to
draft a smart and realistic marketing plan in order to
draw readers to your site. Once you hook a blogger,
your great content will keep them coming back, but it is
vital to get that first glance or your site won't have a
chance to shine.

Making Money with Articles: Article Directories

2010-10-04T13:14:00.000-07:00

Article directories are websites that house free articles. These articles are usually put there by whoever owns the copyright to them as a promotion method. Each article has the owners byline placed under it so that those who eventually read the article will know who wrote it (or at least who owns it) and will be able to get in contact with or visit their website for further information.

Articles directories are a great place to put your articles so that they will make you money. By using this method, people who are interested in your product or service will see your article, view you as an expert in the subject, and will visit your website. Even if you cannot write or do not have any knowledge on the subject on which you are promoting (for example for you run an affiliate website), you can always hire a writer to do the work for you. Getting quality articles written will be expensive up front, but they will pay for themselves in no time, either through affiliate sales or selling your own services, and everything from then on is pure profit.

Let’s take a real life example. Imagine that you are an accountant working from home. You write an article on an accounting topic and place it on various article directories. Those who are looking for the subject you wrote about will read your article, see that you have the knowledge and skill that is needed to do a job for them, and visit your website or contact you via e-mail. Your article just gained you a new client who may use your services regularly, but will definitely give you a nice profit at least once.

Furthermore, since you have posted it on a free article directory, others who have affiliate websites about accounting will inevitably use your article for their website. Since they must attach your byline to it, this will bring you even more exposure for every website that re-posts your article. This because you will be benefiting of off the traffic that they get to their website.

There are numerous article directories out there for you to utilize. Your bet best is to put a copy of each of your articles on every one for maximum exposure. It will eventually help to bring more traffic and customers to your website, which will lead to new orders and more profit.

Making Money with Articles: Free Article Content

2010-10-04T13:07:00.000-07:00

Some webmasters try to use articles from free content directories to get visitors to their site and make some money. This is mostly important for those who have just begun working as an affiliate for several companies and do not yet have any funding, yet need to built small niche websites to visitors to their site so that they can begin making revenue. Although this can sometimes be the only option for those who are running on a non-existent budget, it is not a way that will effectively build your website or revenue. There are a few potential reasons why this may be detrimental to your business building efforts.Problem #1 - Search Engines

Search engines will only look down upon your site if it has the exact same duplicated content than other sites. The more sites that share your content, the less it will help you achieve good search engine rankings.

Good search engine rankings are essential in getting visitors to your sit so that they have a chance to click on your affiliate links. If you cannot even get visitors, then will never make an revenue. Working on the search engine optimization of your site so that you will eventually be high enough in the results to get customers, should be priority one.

Problem #2 - Getting visitors to click

Although getting your site high on search engine result pages and acquiring site visitors is hard work, unfortunately this is only half of the battle. You must also be able to convince those visitors to click on your affiliate links. If your visitors see the same content they have seen on a multitude of other sites, they will be least likely to click on your links. This is because most people want to buy things that are recommended by people that they trust or whom they feel like are an expert on the subject.

If your content is just duplicated from other sites, you will be exposed as someone who does not really know what they are talking about and therefore will not look heavily on your product recommendations. This will reduce the number of website visitors who will be willing to click through.

Problem #3 - Author Bylines

Most free content is only given to you if you agree to place the authors byline under the article (you can get into trouble if you try to use it without following the stipulated rules). This poses a problem because most author bylines include links. When a reader gets done reading a really intriguing article, there is a strong possibility that they will click on the author’s byline link rather than your affiliate links. This is the entire reason why these authors offer free content to begin with, so that they may get their name and links out there to the public. Using this type of content may mean shooting yourself in the foot and losing possible profitable website visitors.

Once you put these three problems together, you are looking at a serious decline in revenue simply because you used free website content from article directories. Although it may be the only option for some, if you have the funds to buy your own original content, then you should go this route. If you don’t have the finds, however, you may be better off writing your own content and then hiring professional services once you have made a profit to work with.

Making Money Selling Other People’s Products

2010-10-04T13:05:00.001-07:00

A lot of people are now getting into online businesses and online marketing either to supplement their “real world” income or for it to become their primary source of income. Why? Because online marketing just provides them a lot of benefits!

First, you can reach just about anybody in the world who has Internet access if you market your products online. That means a wider market for you, which can translate to larger profits. Second, setting up an online business requires only a fraction of the cost required to set up an actual business establishment, which means a lot of savings for the business owner.

Another aspect that has attracted a lot of people towards online marketing is the fact that one doesn’t have to have his own products to get started. In online marketing, one can start making a lot of money just by selling, or even by just trying to sell, other people’s products. And getting started with this kind of marketing strategy is actually quite easy. All that one needs to do is to set up an agreement with an online retailer or merchant, and after everything is settled, one can immediately start making money by selling the merchant’s or the retailer’s products.

Incidentally, the most popular and the fastest growing method of selling other people’s products online is affiliate marketing. Affiliate marketing, in its simplest definition, is a relationship between an online merchant or retailer, who has products to sell, and his affiliates, who are willing to promote the merchant’s product on their website.

In a typical affiliate marketing set up, the merchant provides his affiliates with banners and text ads that links to his site. The affiliates will then get these ads posted on their website and they get paid whenever traffic or sales is directed to the merchant’s website. Affiliates are often paid on commission basis, although other online merchants would opt to pay a fixed fee for the affiliate’s compensation.

Starting to make money online with affiliate marketing is relatively quick and easy. All that one has to do is to sign up as an affiliate for an online company that offers affiliate programs. An alternative method, and usually an easier one, is to sign up as a member of an affiliate network—a network that hosts a variety of affiliate programs for different online merchants or retailers. Signing up is usually free, although other companies and networks may require you to pay a particular fee. Such fees, however, are made as payment for additional services that the company may render, like providing you with tools and assistance to jumpstart your online business.

When you sign up with an affiliate marketing program, you are usually required to fill out a form containing information about yourself. Some affiliate programs may also require you to present the URL of your website and describe its contents. This will allow the retailers to verify that you actually have a website with contents that are relevant to their products. Some affiliate programs, however, won’t require you to have a website. After filling out the form and all, you are then allowed to choose the affiliate programs you want to promote.

After signing up with an affiliate program and being an actual affiliate, you are now ready to start making a lot of money by selling other people’s product online. How do you make money? There are actually a number of ways for you to earn money as an affiliate, and most of these ways depends on the type of affiliate marketing program you’ve gotten into.

Many affiliate marketing programs compensate their affiliates in either of three ways: pay-per-click (PPC), pay-per-sale (PPS), or pay-per-lead (PPL). In pay-per-click affiliate marketing, the affiliate is paid whenever he directs traffic to the merchant’s site. PPS and PPL affiliate marketing programs work rather differently. In PPS, the affiliate only gets paid when his referral converts into an actual sale. In typical PPS affiliate programs, the affiliate would usually get 15% to 20% commission for each conversion. PPL affiliate programs work the same way, although affiliates are paid a fixed fee whenever his referral converts into a lead for the company.

Some affiliate marketing programs are two-tier programs, wherein the affiliate is also allowed to recommend other affiliates to the merchant. In such affiliate programs, the affiliate would not only be paid for the traffic or sales that he would direct to the merchant’s site but also for the traffic or sales directed by the affiliates who signed up with the program through his recommendation.

Yet another way of earning more profits with affiliate marketing is through residual affiliate programs. Residual affiliate programs are affiliate programs where the affiliate gets paid a number of times for as long as the merchant keeps the customer the affiliate has referred to his site. One form of residual program gets the affiliate paid a commission every time the referred customer purchases something on the merchant’s site. Another form of residual affiliate program gets the affiliate paid a percentage every month for as long as the company keeps the referred customer.

With a lot of options available and a lot of ways to earn money, affiliate marketing is undoubtedly the most popular and the easiest way to make money by selling other people’s products online. As to how much money one can get from affiliate marketing actually depends on the affiliate. A dedicated and hardworking affiliate would certainly get more from the program compared to those affiliates who would simply sign up and forget about the program later.

3 Necessary Tools for the High Rolling Affiliate Marketer

2010-10-04T13:04:00.000-07:00

What does it take to become a successful Affiliate Marketer? What are the ingredients of an affiliate marketing success story? Is there a shortcut to Affiliate Marketing glory? All these questions play around in the minds of affiliate marketers who want to make it big in this business.
Although affiliate marketing is touted as one of the easiest and most effective ways to earn money online, it is not as easy as it sounds. The wise affiliate marketer plans every action and executes it the best way he can. He should also maximize the potential to earn by utilizing the right tools necessary for a successful Affiliate Marketing business. We have consulted some of the most successful affiliate marketers in the business and below are the top three necessary tools for a successful affiliate marketing business.

Important Tool #1: Your Own Website

The most important and indispensable tool in Affiliate Marketing is your own website. The first step in any successful affiliate marketing business is building a good, credible and professional looking website. Your website is the jump off point of all your marketing efforts. Thus, you must first build a user-friendly website, which will appeal to your prospects and encourage them to click on the links to the products and service you are promoting and make a purchase. Therefore, you must first concentrate your efforts in building a website that will cater to what your prospects need.

The most important thing you should consider is that almost all web users go online to look for information, not necessarily to go and buy something. Above all else, make your website full of original, relevant and useful content. People will love articles that are appealing and helpful. Keep in mind that, in the internet, content is still king and good quality content will not only build your credibility, it can also help you achieve a higher search engine ranking. By posting relevant and useful articles, you establish yourself as a credible expert in the field, making you a more trustworthy endorser of the product or service you promote. Establishing a good reputation is a good step in building up a loyal consumer base.

Important Tool #2: Incentives

Competition is extremely tight in the internet world. You must always be one-step ahead of your rivals to ensure that you capture a significant share of your target market. Therefore, you must use every possible means to encourage people not only to visit your site but also to click and proceed to the websites of the products and services you are promoting. Building an opt-in email list is one of the best ways to gather prospects. Offer a newsletter or an e-zine. Better yet, offer incentives to your prospects to encourage them to subscribe to your newsletters. You can present free softwares, access to exclusive services and other freebies that will be helpful to your prospects.

Important Tool #3: Link Popularity

The importance of driving highly targeted traffic to your website cannot be emphasized enough. The all-important web traffic is at the top of the list of the most important entities in the internet world. Attracting people to your site should be the first step you should carry out. Do everything to achieve a high search engine ranking. Link Popularity is one of the factors that search engines use to determine search engine rankings. Therefore, to enhance your link popularity, you must launch an aggressive reciprocal link campaign.

One of the best ways to do this – at no cost at all – is by submitting articles, with your website's link at the resource box, to e-zines and free article sites. You will not only gain exposure, you will also have the opportunity to advertise for free, just include a link back to your site. The more sites you submit your articles to, the better your link popularity is. Make your articles original, relevant and useful so that more websites will pick it up and post it.

These are but three of the many tools that an affiliate marketer can use to maximize earning potential. The possibilities are endless and are limited only by your imagination, creativity, resourcefulness and determination. You can always explore other ideas and adapt other strategies, which you think might help you become a high rolling affiliate marketer.

Mastering The Media: How To Make The Most Of Your Publicity/Media Exposure Opportunities?

2010-10-04T12:53:00.001-07:00

Submitted By: Todd Brabender
As a former TV news reporter/producer and a current PR/publicity professional, I have been on both sides of the media interview game. I like to think I have a good eye for what makes a good interview source, how to conduct an interesting interview, and how to give a compelling interview. There are a few tricks of the trade that can make you come off like a pro -- which will make the reporter’s job easier and most likely translate into a better PR/publicity placement for you.
Here are a few basic tips to follow:
* When a publicity campaign generates a media response, try to respond as promptly as possible to that initial contact and subsequent requests. Reporters, editors and producers are on constant deadline. If they don’t get what they want from you quickly -- they WON’T wait -- they WILL move on to another source.
* State facts, not fireworks, keeping superlatives to a minimum. Proving your product is indeed the “BEST” is next to impossible. So don’t. Simply state the specific benefits of your product matter of factly. Let the consumer decide which product is best. As long as you have a quality product, something that should be evident by the time you implement a publicity campaign, your product won’t need “BEST EVER” or “NUMBER 1” claims to come out in a positive light.
* Speak in sentences, not phrases.
Articulate your answers in the following manner: Subject -- Verb -- Object -- Reason
Ex: “We (subject) are launching (verb) our new product (object)
to give consumers a healthy new option in beverages (reason).”
This will help you give answers that are straightforward and easily understood. Beginning sentences with phrases, tends to make your answers seem drawn out, disjointed and most times unresponsive. This is not to say you should never begin a sentence with a phrase. Granted, some media savvy interviewees can pull it off with articulation. But until you get to that level -- stick to the fundamentals.
* “Echo-answer” the main questions.
If a reporter asks: “What’s so great about your new product?” -- try to paraphrase and answer: “The great thing about our product is...” That quote/soundbite is much more likely to be used because that answer can stand on its own without needing a “set-up” sentence in the article/story. A reporter can throw that quote in anywhere and it is a logical, understandable statement about the product.
* Keep quotes and sound bites concise and articulate.
If you must have a “canned response” to a question speak conversationally, not like a robot. A good rule of thumb for answer lengths: Effective TV/radio news broadcast soundbites should be around 4-10 seconds -- something you can speak comfortably in about 3 or 4 normal breaths. Anything longer and it may seem to drone on. That’s why they are called sound bites. Regardless, stick to the S-V-O formula and there’s no real way you can get off track and therefore open you up to awkward follow-up questions.
* Be a well, not a fountain.
By that I mean allow the interviewer to dip in and draw out your responses instead of spewing forth a tirade of unsolicited information. (Don’t worry – most interviewers will “lead” you into discussing the most relevant aspects of your product) You will seem more genuine and less self-serving if you answer the interviewer’s questions succinctly and professionally. This is especially true in “firefighting” publicity -- when your
product/business/company is being interviewed in the wake of a problem.
* Speak to the interviewer, not the medium.
Don’t get blinded by the “stage lights”. Whether you are speaking to the editor of a small town weekly newspaper or Oprah, consider the reporter just a single person in your extensive targeted audience. Treat the interview as a one on one conversation with the reporter. That will make you more at ease, allow you to think more clearly and let you be more genuine in your responses.

Money Doesn't Grow on Trees But You Can Make Money Grow Faster With Money Market Accounts

2010-10-04T12:51:00.000-07:00

Submitted By: Debra Dragon
Money market deposit accounts are similar to a savings account in that you open them through banks and credit unions, and that they are insured by the Federal Deposit Insurance Corporation (FDIC). This eliminates the risk of losing money that other investments have; and ensures your money is safe up to the FDIC limits even if the bank or credit union where you opened your money market account goes out of business.
The main differences between a money market account and your standard bank savings account are:
The minimum initial deposit to open a money market is usually higher than what is required to open a savings account.
Savings accounts offer unlimited withdrawal options while money market accounts limit account holders to three or six (penalty free) withdrawals each month.
Money market accounts pay higher interest than most savings accounts.
It doesn't take a financial expert to understand why money market accounts help your money grow faster than a savings account. You start your account with a higher balance, you withdraw money less frequently, and your money earns a higher interest rate so it's inevitable that money saved in a money market account will earn more than your typical savings account!
The rate of return for money saved in a money market account will vary from one bank to the next, so like any investment – you should do your homework and research each of the options available to you and compare bank fees, balance requirements, and interest rates.
Interest on money market accounts typically grows and compounds daily. This is the real secret to making your money grow faster. A money market account with flourish with consistent deposits – so it's not in your best interest to open an account with an initial balance and then sit back and watch it grow. The more frequently you invest in your account, the faster the money will compound and grow.
Money market accounts is centered on the money market. The banks use the money from money market accounts to lend to other customers on a short term basis, and by limiting the number of withdrawals a money market account holder can make, they're able to pay a higher rate of interest. Of course, the other advantage to saving with money market accounts is that while there are limitations placed on how many times per month you can withdraw money – you can in fact access this money if you need it urgently. Withdrawals above the limits are simply charged a fee of $5 to $10 per withdrawal.
Making your money grow faster in a money market account comes down to consistent deposits. Because the interest is compounded daily, you will quickly start to see growth. For example, if the interest is $1 and you have $100 in your account on day 1, you'll see that on Day 2 your balance is $101. On Day 2, when the interest is compounded, it's based on your current balance of $101 rather than $100, so you'll earn more in interest. When you add additional money to the account, you earn interest on the higher balance, which helps you earn more interest, faster, than accounts that compound at a slower rate.

How can we encourage poor people to save?

2010-10-02T01:53:00.000-07:00

Banks need to make it more attractive for people to save money with them, says Faisel Rahman. Photograph: Graham Turner for the Guardian

Somali born Husnera meets her group of five other women each month and hands over £100 in cash to the group leader. Every 10 months or so she gets £1,000 back, which she considers holiday money for her family. She calls this a hawa group and has been a member for three years. There are variations in most communities, pardner in Caribbean communities, kommittis in Pakistani ones. Savings arrangements are completely informal and unregulated, money is unprotected and generally no interest is offered; but the schemes work and are popular in part because, as Husnera tells me, they are simple, easy to use and set up with people you know who live in your community. Most important, she says, is that she can't access her money for 10 months.
Christmas savings clubs work in a similar way. Money is locked away till the end of the year and can only be used in a limited number of places. Money is collected by local agents who earn a commission.
The debacle of 120,000 people losing most of their savings with the collapse of Farepak in 2006 revealed that, contrary to popular belief, poor people save. It also uncovered the fact that their savings were almost completely unprotected. Now, following the introduction of a code of practice and an industry trade association, Christmas savers should be protected, and the schemes are still popular.
Much to the annoyance of the government, UK banks have shown a complete disinterest in targeting poor communities or designing savings products to suit their needs. One bank official explained the reasons why succinctly: dealing with small amounts of cash is just not a viable proposition.
Nationally, there is precious little good practice or good partnerships documented on how to promote savings among poor communities, although the Institute for Public Policy Research thinktank and Bristol-based Personal Finance Research Centre are hoping to change that with work in the new year.
Credit Unions seem a good solution but, even after many years of government funding and growth, membership still only represents 1-2% of the population. And while many are community focused, the business model of the few successful ones rely on raising savings from more affluent members to build a sustainable base, rather than from low-income groups (most members are employed and have a mortgage).
Government priorities in this area have so far seemed skewed. Encouraging savings across all income groups is important, but even more so with the poor as a lack of savings and assets often leads to the use of expensive moneylenders. In July, the Savings Gateway was scrapped. It was specifically designed to match the savings of low-income earners with 50p for every £1 they saved. The annual cost of £100m was considered too high in this age of austerity. But tax relief for Isas and pensions is estimated at around £15bn a year, with around 70% of that benefit going to people earning more than £50k, campaigners point out.
Building a successful savings culture will require input from communities, charities, banks and the government. This week, I am at a conference in the US where this seems to be happening. America already has a Savings Gateway equivalent, and banks and communities are actively engaged with each other in promoting savings.
I will be on a panel that will be giving an award to Citibank, which has invested billions in financial literacy, designed new products for financially marginalised people, supported microfinance in the US, and built savings programmes in thousands of schools and colleges across the US. Reading about Citibank's level of engagement with communities, partnerships with charitable foundations and support for government initiatives, I am at a loss to find anything comparable in the UK.
I ask Husnera if we can help her to open a savings account. She smiles and tells me she has two bank accounts already but only trusts her hawa group to protect her savings.
Faisel Rahman

Ten of the best … ways to make money from your home

2010-10-02T01:48:00.001-07:00

An Englishman's home is his castle. Play your cards right and it could also be a source of money. Huma Qureshi looks at ways to maximise your biggest asset

- Huma Qureshi
- guardian.co.uk, Wednesday 21 October 2009 07.00 BST

Get creative with ways to make money from your home. Photograph: Guardian

Economic recovery may be underway, but for many of us money is still pretty tight. Your home is probably your most valuable asset, so why not see if you can use it to boost your income. Whereas before the credit crunch this might have involved remortgaging to release additional cash, falling house prices and tighter lending criteria mean you will have to be a bit more imaginative …

1. Rent out your parking space

You could earn up to £500 a month by renting out a driveway, allocated parking space or unused garage, particularly if you live near a football stadium or train station where demand for parking is high. Register your space for free on a website such as ParkatmyHouse.com or YourParkingSpace. Commuters will typically pay around £75 a month to hire out a private space within walking distance of a train station, while a space within walking distance of Wembley Stadium can be rented out for £17 when an event is on.
Pay-as-you-go car club Streetcar will also rent designated spaces in residential developments from users in exchange for free driving time.

2. Offer your home for a photo or film shoot

Magazines and television companies are always scouting for places to feature as backdrops for photo shoots or filming. If your house happens to be gorgeous it could be ideal for a magazine or book shoot; regular family homes, meanwhile, are in demand from television production companies. It is by no means a guaranteed way of earning extra cash, but considering many agencies offer free registration (they will take a 20% cut if your home is chosen for a shoot), there is no harm in signing up. You can expect to earn about £1,000 a day if your home is used.
Atlanta Bartlett, who co-runs location company Beach Studios, says it helps if you're not too houseproud: "It can be quite inconvenient to have a big crew in your house for days – they will change things around, move furniture and scrape walls. They might even want to paint the place, but then again if you get a shoot that will last a few days then you could say you've hit the jackpot."
The Collective is specifically looking for houses on the west side of the M25, close to many studios where TV dramas are filmed. Its properties have featured in the Bill, Spooks and Silent Witness. Lavish Locations is also keen to hear from owners of spacious family homes.

3. Clear out your clutter

Think outside the eBay box: there are plenty of other websites and places to sell your unwanted gear.
Clear your bookshelves of unread tomes by listing them for sale on GreenMetropolis.com (you'll make £3 for each book sold); or if you're a fashion junkie with too many clothes you could sell the classics that no longer fit to a second-hand designer store, or list them for sale at Whatsmineisyours.com.
If you don't want the bother listing things online then hold a garage sale – post flyers and entice potential buyers with homemade cake. Or copy Cash in the Attic and take your valuables to auction. Find your local auction house and get them to value your items.

4. Rent out your spare room

Split your bills and get a little extra help meeting your mortgage payments by taking in a lodger. Under the government's rent-a-room scheme you could earn up to £4,250 a year tax-free if you get a lodger (as long as you provide him or her with a furnished room).
Register your spare room for free on sites such as Easyroommate or Spareroom.co.uk to find someone. Just make sure you set any ground rules and get a tenancy agreement in place (you can purchase the contract for £5 from the Residential Landlords Association).

5. Offer your house for homestays

If you don't want a long-term lodger, consider instead a short-term homestay. Language schools are always looking for host families to house foreign exchange students for the holidays or single terms. Most schools, such as International House, will pay you directly.
How much you get depends on whether you provide just breakfast or dinner too, but you could earn around £200 a week. If you happen to be a qualified EFL (English as a foreign language) tutor you could earn around £400 a week with InTuition Languages.

6. Set up a bed and breakfast

Running a bed and breakfast is certainly appealing, but don't forget you have to comply with an awful lot of rules including fire, food and gas safety legislation before you can open your doors for business. It's hard work, but bed and breakfast owners say it is worth it. Here are some tips on setting one up.

7. Host a Tupperware party

It's kitsch but it could be fun, and you'll earn a bit of money every time someone buys from you. A lot of people are taking their lunch in to work these days, so we all need Tupperware, preferably colour co-ordinated sets. Sign up to be a Tupperware host or, if you fancy something a little less retro, host a cooking show. ThePamperedChef signs up stay-at-home consultants to perform cooking demos in their own kitchens using its products – you will initially get discounts and free gifts but can proceed to making money on sales.
You could also host a cosmetics party – VIE and the Body Shop both run schemes – or sell home candle decorations with PartyLite, although you will have to buy a starter sales kit before you get going.

8. Swap your house

Technically this won't earn you money, but you might be able to save some. If you are going away, swapping your property with someone else's instead of paying for hotel accommodation is a good option, especially if you have kids and can swap with a family home. This summer, home swaps soared as Brits looked for cost-cutting ways to save money on holiday. You can register your property for homeswaps both here and overseas with the Guardian's home exchange service.

9. Turn your dining room into a study hall

Tutoring at home is a good way for university students or graduates to make a bit of extra cash. It's free to register your tutoring skills with First Tutors and Personal Tutors; the money's not bad either. At First Tutors you could earn on average around £17 an hour.

10. Put your home office to good use

Don't while away the hours on Facebook in the study; make some money out of time spent online. If you're passionate about getting your views heard and don't mind filling in loads of online forms, register at YouGov where you can earn points for every survey you complete. After collecting 5,000 you will be sent a cheque for £50.