Internet Money Advice

January Update

noreply@blogger.com (Callum Mack) — Tue, 27 Jan 2009 21:56:00 +0000

Its been a while since my last post, however i've been busy with other projects that i currently have running acros the internet! I will keep you updated with them.

I'm in the process of writing a few more articles however was wondering whether you, the readers, have any feedback you could give me about the website to make it a much better place than it is currently.

I have the following aims for the website this year:

1. 10,000 visitors to the site
2. For the site to become sustainable
3. To achieve an average of two posts a week
4. 100 comments total on the site
5. To start making videos
6. To enjoy working with IMA!

I know the last one is a bit corny but blogging was becoming a bit of a chore last year. Hopefully this new year will change this!

All the best,

Callum Mack

Personal Experience: Crowdfunding

noreply@blogger.com (Callum Mack) — Mon, 13 Oct 2008 20:01:00 +0000

My personal experience with crowdfunding come from nearly being an active member of a crowdfunding website called SellAband. With Sellaband (SAB) you are known as a "believer" who "believes" in artists music by buying parts (parts cost $10 each) in the artists next album which will be made when the artist reaches $50,000 in credit. As a reward for investing your money with with the band you gain a Limited Edition CD and a small percentage of the revenue the album makes through CD and digital sales.

I fell in love with the concept as soon as i read about it in the paper. It brought together my two loves (music and money!) and there was no way i was not going to sign up. I left it a few days before i bought any parts as i thought i would test the water before i invested. However i caught the SAB bug and within a week i had invested over $100.

Like i said i've been with the site for few years now and over the time I've invested a fair amount of money, i mean we are talking $1000+ here on un-signed artists. This may not seem a considerable investment to some people considering the risk factor that comes with it as very few artists make it big with major record labels so its very unlikely that a small independent label like SAB with an unusual concept could produce stars (although it is still possible, watch this space!)

As of the week beginning the 13th of December there have been 26 artists that have gained the $50k needed to record their album and 14 artists have released their album to the world. Each on with differing amounts of success.

After investing $1000+ some people out there would expect a good return on their investment however as it turns out the amount I've received back from SAB is just over $2 from record sales of the albums. This doesn't take into account that none of my LECDs have been sold or the fact that i'm investing in bands because i genuinely like them and wish for them to do well.

SAB to me is a real hobby i know I'm not going to make millions from it but i enjoy browsing the artists and investing in the occasional band that catches my attention. The music is great and any money i makes is just a bonus as i will most probably just re-invest it when i get enough money!

Here is my Sellaband account so you can see in what bands I've dabbled in and hopefully it will inspire you to take the plunge and invest in some artists that one day could make it big!

Personal Experience

noreply@blogger.com (Callum Mack) — Sun, 12 Oct 2008 14:42:00 +0000

I've been trawling the web for many years now and most of the those years I've been trying to make money using different methods on the internet. Its where i got the idea for this site as the amount of time I have wasted/ invested in internet projects is considerable and i thought i could use the knowledge that i have accumulated to give people a better understanding on better ways of making money on the internet.

Here is a place where you can read in-depth guides of my experiences trying different methods of making money using the internet.

Crowdfunding: Sellaband

Lottery Bonds

noreply@blogger.com (Callum Mack) — Sun, 12 Oct 2008 11:05:00 +0000

Lottery bonds are a unique way of investing money. Basically its like a respectable lottery, however instead of buying tickets every week you invest money and depending on how much money you have put into the account you get a certain amount of tickets. Every month you keep you money into your account your ticket gets put into a draw. There is very little risk with lottery bonds as normally you can take out your money at any time. Lottery Bonds are often set up by governments.

An example of Lottery Bonds are Premium Bonds set-up by the UK government. They have 2 £1,000,000 jackpots that are won by members every month. There are also a million other prizes ranging from £500,000 and £50. The rate at which you are able to win with your investment is 1 in 24,000. The winners are picked at random by a machine once a month. One ticket costs £1 to with a minimum of £100 to be invested initially and you are able to invest a maximum of £30,000 in Premium bonds.

There is a Premium Bonds calculator available here which can analyse how much money you can win over time with your amount of investment. With this information you can compile the following information depending on how much money you invest.

Hold £100 over a year and the chance of winning anything is one-in-20.

Hold £1,000 over a year and 57% of people win nothing.

Hold £10,000 over a year and you have a 19% chance of winning £500 or more.

Above source form wikipedia.

Premium bonds are available to anybody even if you don't live in the UK. Currently there are 23 million investors in Premium Bonds and its been running since 1956.

For more information about buying premium bonds visit: National Savings and Investments

Top Tip for Finding the Right Insurance on the Internet

noreply@blogger.com (Callum Mack) — Sat, 11 Oct 2008 17:52:00 +0000

The internet has opened many doors in the Insurance market. There has been a steep rise in the amount of insurance companies only operating through the internet. This leads to potentially cheaper rates for you the customer. This is because as its a business run on the internet the company doesn't have to pay rent for shop fronts and have to pay less wages as fewer staff are able to run it.

However finding the cheapest insurance quote is always going to be a struggle even on the internet. There are comparison websites that can aid you with finding the right insurance you need at the best possible price. It is best to use this as your resource, however like with most things its best to check more than one comparison website out. The reason for this is the way the comparison website makes its money is either from advertising or from referring you to an insurance company. Different company's will favour different comparison sites as they are all trying to compete fr your attention over whatever medium they can.

So my top tip is to use multiple comparison websites to find the cheapest insurance quote.

Microfinance

noreply@blogger.com (Callum Mack) — Fri, 10 Oct 2008 11:52:00 +0000

Microfinance is an unusual way to invest your money and really became widely used with the invention of the internet. Microfinance is where you can either gain a loan by asking many members of a community site for small amounts of money each or you can lend money to someone only giving a small amount of money to them. Sites have been set up to use cope with this function.

The idea is that an investor can put money into the website and then choose where the money goes. Its best to spread the money across several people wanting a loan and its also best to see how much you will be gaining from each person. The website is like a bank so usually if the user can't afford the payments then collateral is often put up. Like with most things there is a risk factor in investing but if successful you could be earning impressive amounts of interest on small investments.

For people wanting to take out a loan, the site will often check your credit history and see whether youe eligible to take out a loan and if you are able to afford the repayments. Then you will get to choose the amount of money you wish to loan and the interest you wish to put on it. Too low and few people would want to invest their money with you and too hight and you may not be able to make your repayments.

The best use of Microfinance I have seen is a website called MicroPlace where you can invest your money in developing countries to support local buisnesses while still earning interest.

The best advice I can give you for lending and borrow money through Microfinance

Borrowers: Find the right amount of interest that you will be able to pay back.
Lenders: Only lend small amounts of money to begin with.
Borrowers: keep up to date with your payments.
Lenders: Look for the best interest rates.
Both: Find a reputable site to trade your money in.

Using Referrals

noreply@blogger.com (Callum Mack) — Thu, 09 Oct 2008 11:00:00 +0000

Using referrals and referral links is basically a form of advertising, however unlike using adverts on your website where your not allowed to ask people to click on the adverts as this give the advertiser a click-through rate but no interest in their actual product. However referrals your allowed to encourage your visitors to click on the link and buy the product.

Referrals work best when you write a short section about the product which in turn create interest from your readers. Some websites use methods to get people to click the referral link that makes the user feel deceived as you will be making money from them buying the product and which makes some people feel like they lost out seen as you made money from them.

Using referrals in the right way however is a great way of earning money as long as you give a good enough review about the product, and by review i mean listing its good and bad points about the product as that will show the user that your an honest reviewer which could lead to more custom in the future. This type of advertisign works great with the likes of google adsense.

The best advice I can give you for earning money from using referral links is

Review the product your trying to refer.
Try not to hassle prospective buyers.
Use referral links with other advertisment programmes.
Find a way of advertsing your site to get people to click your referral links.
Remember that it may take many clicks to make 1 sale so be patient.

Top Tip for Investing Money on the Internet

noreply@blogger.com (Callum Mack) — Wed, 08 Oct 2008 11:00:00 +0000

When it comes to investing money on the internet and elsewhere there will always be an element of risk. If there wasn't that risk then you should be thinking whether the scheme is a scam. Whatever method you choose to invest your money into just remember this one tip.

Only invest as much money as you can afford to lose.

It way seem obvious but once you get caught up in all these investment schemes you may want to risk more than you can afford to risk. Just be patient and if something seems to good to be true it probably is.

Gambling

noreply@blogger.com (Callum Mack) — Tue, 07 Oct 2008 11:00:00 +0000

If you find yourself addicted to gambling website please visit this website for a Compulsive Gamblers Self-Assessment, If you find yourself saying yes to any of the questions its best to seek hep immediately.

Gambling can be a way of earning money on the internet albeit very rarely working. Everybody has heard the phrase "the house always wins." Its no different on the internet. Games like poker are very popular on-line however make sure your playing with a reputable site as some could be not properly run and you could find yourself out of pocket without even placing a chip on the table.

Gambling should be treated as a hobby and not something that your going to be placing money you can't afford on the table. if you do wish to play poker there are many sites out there that offer "fun games" where you don't lose any money just the sites own little currency. If you do want to make some money on-line with poker and other such casino games then its best to practice on these "free tables" as you may think you know how to play poker but internet poker is different as there is a sense of anonymity about it. People can lose thousands on an on-line poker game to someone they don't even know what they look like.

The best advice I can give you for earning money from Gambling on-line is

Practice with free tables a lot.
Don't bet money you can't afford to lose.
Use well known sites so you know you won't lose your money any other way than gambling it.
Don't be fooled by websites selling you cheat software, if the website your using is good enough then no cheat software would work and if it does then you could face your account being banned and you losing all the money you won.
if you become addicted then seen help immediately

noreply@blogger.com (Callum Mack) — Mon, 06 Oct 2008 11:00:00 +0000

Millions are won and lost over the stock market and the internet has meant that its available to more people than ever. There are three ways in which you can buy shares. Each have their advantages and disadvantages.

First there is the Execution only which means a stock broker will buy or sell the shares you want without any advice taking place, this leaves the risk solely with you. If you have enough time to study the stock market in detail and are sure you will make money with a certain share then this is the best option for you.

Advisory dealing is another way to buy shares where the Stock Broker advises you on where and when to buy/sell the shares. The advice is valuable as Stock Brokers experience can make the whole process safer. However Advisory dealing is just that, advisory at the end of the day if you don't like the information the stock broker is giving you then you don't have to invest.

Finally there is discretionary dealing where the stock broker takes full control of your money and it is them who decide exactly what to do with it. This way the stock broker is able to manage your shares in the quickly changing environment of stock broking.

Shares and stocks are risky business but with great risk you can get great rewards. Each of the three options carry a risk factor and obviously the more the stock broker is involved the more money will be spent on them.

The best advice I can give you for investing money in Shares is

Keep an eye on the ever changing market.
Only invest in what you know you can afford to lose.
When using a stock broker make sure they have the correct experience.
Shares can be a long term and a short term investment so keep that in mind.
Experience is important when it comes to the stock exchange

Gaining Donations

noreply@blogger.com (Callum Mack) — Sun, 05 Oct 2008 09:44:00 +0000

Gaining donations may seem like an easy way for a website/ blog to make money however I believe its one of the hardest. Obviously the best sites using the donation feature are sites that invoke feelings like website supporting charity. However it has been known for some websites to be able to cover their server costs by adding a donation feature to their site.

Having a large audience is probably the best way to earn money from donations from a website/blog. Using forums and other social networking features and giving users small rewards for donation gives members more a pride factor after donating. A situation starts to occur that members donate to show their loyalty and status to your website which can be good for your wallet however the community rarely gains from it.

On smaller sites its not really worth adding a donation button to your website as adverts could probably do the job. However mixing the two options may sound like a good idea but having adverts on your site could deter donations and having a donation button on your site could deter the interest of clicking an advert. Its best to stick with just the one revenue stream until the website gains views.

Another bad thing about adding a donation feature is that its unlikley that you'll become rich from it, like I said earlier you will probably only cover the cost of the hosting of your site. Excessive use of the donation button will lose your visitors and member to your site and there is a careful balance that your not pushing your members to donate to much or to little.

The best advice I can give you for earning money from donations to your site is

Think that if you came across your site would you donate to it?
Don't try and push members to donate as you will lose visitors.
Give a little reward or thank you to your donators to make them feel special.
To remeber that you won't become rich from donations.
The larger your internet community the more donators you will have.

High Yield Investment Programmes

noreply@blogger.com (Callum Mack) — Sat, 04 Oct 2008 14:22:00 +0000

High Yield Investment Programmes or HYIPs as they are sometimes known are websites that let you invest small amounts of money for a small (sometimes even daily) amount of interest. I personally have found these to be very dangerous ways of investing money. The company on the other end of the transaction is very unlikely to be a legitimate trading company as if everyone could make money in HYIP schemes then surely everybody would be doing it.

I have found HYIPs to be the pyramid schemes of the internet as people often test the water with small amounts of money and then when they see that that has made them some interest then they invest lager sums of money. This is where the mistake is often made as its very unlikely that larger investors will gain their money back as the website will probably close down as the website owner is now much better off with your large investment.

Treat these as scam sites as the only real person making money is the person who owns the site, and its very unlikely that they will want to share their wealth with.

The best advice i can give you for investing your money in HYIPs

If you are going to invest only do it in small amounts.
Use several HYIPs to make more money.
Remember every HYIP will have a shelf life.
Don't get carried away.
Although the real best advice i can give about them is don't use them!

Crowd Funding

noreply@blogger.com (Callum Mack) — Fri, 03 Oct 2008 17:25:00 +0000

A very novel way of investing your money is to invest projects that you feel passionate about. Key examples of Crowd Funding are music albums and independent films. These both require you (the fan) to invest money to record an album or produce a film. You can make money from the sales of albums/DVDs that the project manages to sell.

As with most things it has its good and bad points, on some websites you aren't able to make money from investing instead you are rewarded in other ways like with seats to watch a film or a copy of the album. Even if you do manage to find a site that lets you keep a cut of the sales pie, the volume of items sold is usually low as few people are aware of project happening in the first place. In most cases its rare that you make money from the amount you put into the project because of this reason alone.

It is however a fun way to invest your money and you are kept updated regually with the recording/filming process. To be able to have fist hand contact with the artists is interesting and there is normally a great community behind it.

The best advice I can give you for investing your money in Crowd Funding

Find a site and community that is right for you.
Only invest small amounts as you may even lose money.
Keep active on the site as you may recieve other benefits.
Spread your money out on many different projects as you never know which one will make it to the big time.
Enjoy yourself while doing it, if your not having fun then pull the money.

Creating Games

noreply@blogger.com (Callum Mack) — Sun, 08 Jun 2008 22:15:00 +0000

Creating games doesn't mean making a giant game of tag across the internet. Its using software (most popular being flash) to make small browser based games for people the world over to enjoy.

There really is a huge market for original game series, sites are willing to pay hefty prices for "the next best game." Its all well and good however the time it takes to learn the action script to allow the game to become interactive is significant.

The best way to make money off selling games is by getting into contact with a gaming site and offer an exclusive contract. However its not the most popular, most game creators opt for the option to add in game ads into their games which they earn on a cost per click basis. The second option pays a lot less and the game needs to achieve a certain amount of success for it to become a high earner.

If this is the route you want to take for making money on the internet, be prepared to learn a lot, and make sure you have all your software up to date as the next big break in the software could mean an incredible game could come out of it. You will have to adapt to the improvements in technology and also to the demands to your clients if you decide to sell the game out-right. The rewards are high but as I say it does take time to get to the high rewards.

The best advice I can give you if you want to make money by creating gives is to

Create a unique original game.
Get quotes from sites that are willing to sponsor you.
Be able to adapt in improvements in technology.
If you start a successful series, keep going with it.
Don't underestimate your game.

Auction Unused Items

noreply@blogger.com (Callum Mack) — Sun, 08 Jun 2008 19:05:00 +0000

A fairly easy way to earn money on the internet is selling your old items to people across the globe. The best place to do this is probably ebay, however if you have any specialist items its probably best to research on-line auction sites with this specialist item in mind.

Internet auctions have been happening for a while now. There is no "best" way of selling items on auction sites, it all about trying to attract attention to what your selling, whether that is putting free delivery on the item or adding a photo to the listing page. Like with most things you've got to get your item to stick out in front of maybe a thousand or so items that are similar.

A good feedback rating is also very useful as it means your a trustworthy seller. This gives the buyer confidence to use you and maybe to consider using you in the future. Making money selling your old stuff is all when and good until you have nothing else to sell then you can think about investing your newly made money into buying more products you could sell (see the investments guide.)

The best advice i can give you if you want to make money by auctioning your old items is to

Make the item seem attractive to possible buyers.
Make the listing stand out.
Keep auctioning to raise your feedback score.
The photo of the item does matter.
Never sell anything you may need in the future.

Publish Your Photos

noreply@blogger.com (Callum Mack) — Sun, 08 Jun 2008 18:46:00 +0000

It seems a silly question like who would want your photos? Well actually there are a fair few sites out there who either sell on your photos to companies/ blogs/ papers that are looking for images to fill cooperate with content. It can also work that you gain a small amount of money every time somebody views your photo on the site (revenue sharing.) Both these methods provide small amounts of pay for what is a relatively easy thing to do, take a picture and upload it.

You can take it a bit more seriously and take photos of things you can see that could sell (celebs, nature, towns) However this means more extensive work and a seasoned photographer probably already has this covered. You probably at this moment have hundreds of photos in the digital format which could potentially be earning you money.

Like with most things on the internet you will be earning very little money per picture, if any at all. I believe you do need an eye for this kind of thing. However it doesn't stop anybody trying. It is essentially a nice little way of making money, although very small amounts.

To continue what i said earlier on, the fact that it takes so little effort and time to upload your backlog of photos onto a website. Its probably worth doing as long as you remember that you have done it so you can see how much money you have made but don't be to disheartened if you haven't made a penny. For something like this its the potential to make money over the long term that's attractive about it.

However remember the image has to be yours as if you post just one image that isn't your original content then the site can delete your account and you won't be earning anything.

The best advice I can give you if you want to make money by publishing your photos is to

Create an image you could sell.
Upload old photos.
Make sure you remain the owner of the image.
Upload to as many sites as possible (read the terms and conditions on the website to make sure your allowed to upload to more than one site)
The views start slowly so just be patient.

Making Videos

noreply@blogger.com (Callum Mack) — Sun, 08 Jun 2008 16:15:00 +0000

A now very popular way of earning money is making videos/ capturing events. Its very simple to do and as long as its your own content your likely to make money from it. The reason you can make money on videos is because the site that you uploaded the video from can put adverts in or around your video which gives them revenue. Due to the huge market for video upload sites, more sites are paying their users money to upload original content. Its done mainly on a pay per view basis.

It isn't an instant earner however on some sites you will need to get noticed and maybe upload 50+ original videos before the administrators give you the chance to earn money, on other sites you need to hit a minimum views with a good enough rating.

In all these cases to truly make the most out of this opportunity, the video you upload must be of interest to people. Nobody wants to watch a boring video. There are several types of videos you can make and each type is more suited to different websites. Like for instance "How Too" videos a more popular on Metacafe, Shock videos are more popular on Break and Vlogs (video logs) are more popular on Youtube. Each site has a different market, different viewers and also different ways of letting you earn money.

Don't waste time making pointless videos, make sure you plan your videos carefully so you odn't waste time and so that you know what will happen or what your going to talk about. Also if you upload it and you don't like it, its actually best if you keep it up. Your techniques will get better and you can call it an experience, what's more it could even make you money in the future.

The best advice i can give you if you want to make money by creating videos is to

Create unique "fun" content.
Plan a video before producing it.
Never remove a bad video.
Upload to as many sites as possible (read the terms and conditions on the website to make sure your allowed to upload to more than one site)
The views start slowly so just be patient.

A review list of paid video upload sites will be available here soon.

Creating Websites/ Blogs

noreply@blogger.com (Callum Mack) — Sun, 08 Jun 2008 13:36:00 +0000

One of the best ways to make money on the internet is with creating your own content. With making a website/ blog you are easily able to write content that people could potentially be interested in reading. You will make money by selling advertising space on your website/blog.

There are several ways of going about making your own website. Choosing a topic is probably the first thing you should do before signing up to start anything. I also find that its best that you write down a few articles as well, so you know that you have got something to write about. Its best to go for a topic you enjoy, however the best paying adverts are ones that are involved with money (claims lawyers, car insurance, banks.) However these topics are incredibly dull and I doubt you would have many people flocking to your website on one of these topics. Using a topic you enjoy means your writing will be enthusiastic and will encourage users to come back.

So how are you going to go about making your own website?Well there are many websites out there that off free hosting and even a free website designer. Its best to start off using this route until you know its worth investing in your own hosting ect.

Once you've got your site set up and your content written down you will be able to think about the crucial task of getting an advertiser involved. There are many sites like Google adsense that offer to sell your advert space. Its easy to set-up and won't cost you a penny, you will just need your site to be running initially.

Placing your adverts is another massive decision, you want to catch the eye so people see them and click them so you get the money for sending to their new destination. The best way I've found to place my adverts is to mainly keep them in the sidebars and allow very few to enter the content of your site. To many is an advert overload and nobody will be enticed to click, they will probably just try and exit your website as soon as possible. So just keep in mind, your trying to get people to click the adverts to get paid, your not getting paid per view per advert.

Another piece of advice is to keep it simple, don't make a million websites at once, as one useful complete website is more likely to earn you more money than 100 half finished websites. However you've got to keep getting people to visit your site so keeping your website updated is great as well.

The best advice i can give you if you want to make money by creating Websites/ Blogs is to

Create useful unique content.
Plan a website thoroughly before creating.
Keep the website updated.
Don't cram the website with to many adverts.
The views start slowly so just be patient.

Creating Your Own Online Shop

noreply@blogger.com (Callum Mack) — Sun, 08 Jun 2008 13:09:00 +0000

The idea of creating your own online shop is incredibly enthralling, especially as it can be free! You can create your online shop selling goods (such as t-shirts) really easily. You just add your design to pre-existing products which means you don't need to worry about stock, sending the item, well pretty much anything really.

One of the main drawbacks with owning your own internet shop is that it seems everybody else has already got one. It depends what you want from your shop. Most shops that I've seen are the same boring shell with the same stock inside it. Which in the end isn't any good for anybody as nobody is making money from it. Be wise.

If you are going to build your own On-line Shop its probably best to know that there aren't many people wanting to trawl though the internet to find your design, you have to stick out. These on-line shops are best used for an add-on to existing websites for the owner to gain more money from an already successful brand.

Its things like this which you have to invest a lot of time into, to get a minimal return but it should be pretty much self-sustaining once you've got it running properly. To be totally honest i believe that its best to have a shop after you've created a website/blog/videos/games/forums ect. If you don't have any of these then its going to be a great deal harder to gain money from your on-line shop.

The best advice I can give you if you want to make money by creating your own shop is to

Look for people feedback on the site that your joining.
Make sure they allow you to cash out your earned money.
Have an existing website that get regular traffic.
Advertise your shop.
Keep it simple.

Paid to Read Emails

noreply@blogger.com (Callum Mack) — Sun, 08 Jun 2008 09:10:00 +0000

It may be obvious to you about what you think your doing with these types of internet money earners. However all your really doing is viewing adverts that end up in your inbox.

Its not very imaginative, on most Paid to Read Emails they have a phony inbox in your account on their website, This inbox allows you view your "emails" which are just adverts. It then prevents you from viewing another email until a proposed time (normally between 5- 30 seconds.)

Yes it is a way of making money, however once again the income is really insignificant, you do really have to invest a lot of time into these sort of websites. By the end of an hour I doubt you would have gained enough money to even compare it to the minimum wage.

It does however allow you do to something else in the intervals between waiting for the next advert to become available. Just by opening another window and continuing your web-surfing.

The best advice I can give you if you want to make money by Reading Emails is to

Look for people feedback on the site that your joining
Make sure they allow you to cash out your earned money.
Create a free email account so they don't fill up your real email address with the email.
Run it in the background and continue your normal surfing routine.
Find one good site and stick with it.

Paid for Activity

noreply@blogger.com (Callum Mack) — Sun, 08 Jun 2008 08:51:00 +0000

Paid for Activity or Paid to Surf as its sometimes known is where you earn money as you become more active with a site/program. There are few examples of how these work. The most common example is downloading a tool-bar that contains adverts that change as you visit different sites. The more websites you visit the more money you make. Other ways include posting on forums, creating a social profile and even playing a game.

As you can expect the pay per hour of surfing is fairly minimal and probably wouldn't even touch your monthly broadband bill. However it does mean your earning money for something your doing already however at the moment you are currently being paid to do it.

The best way to make money with these kind of programs is by their referral schemes which means you get paid for other people surfing the internet. However having the a social network that is willing to spend their time doing something like this is a rare thing.

You have to be careful when looking for a Pay to Surf program as with some of them you have to download a tool-bar, it is common for sites to also sneak in some ad-ware, mal-ware and generally bad programs that could corrupt your computer.

The best advice I can give you if you want to make money by Paid for Activity programs is to

Look for people feedback on the site that your joining.
Make sure they allow you to cash out your earned money.
Use anti-virus programs to make sure any download is safe.
Keep to your usual surfing routine.
Find one good site and stick with it.

Paid Surveys

noreply@blogger.com (Callum Mack) — Sun, 08 Jun 2008 08:23:00 +0000

Paid surveys are fast becoming popular around the internet. They are often simple to fill out and quick to complete. However the speed and simplicity that your able to fill them out means that you are being paid small amounts of money to do so.

There is really no way you can earn a lot of money with completing paid surveys. The best way to go about earning (small amounts of) money from them is to complete a couple every day. This will mean you will gain a gradual income over time and it won't take to much of your time either.

There are even some survey sites out there that limit you to doing so many a day, this gives the client (the company paying for the survey) the thought that the surveys will be completed honestly. You will find that its these sites that pay the highest.

The best advice I can give you if you want to make money by paid surveys is to

Look for people feedback on the site that your joining
Make sure they allow you to cash out your earned money.
Create a free email account so they don't fill up your real email address with the surveys.
Complete only a few a day, don't make it a chore.
Find one good site and stick with it.

Insurance Advice

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Top Tip for Finding the Right Insurance on the Internet

Loan Advice

noreply@blogger.com (Callum Mack) — Sat, 07 Jun 2008 21:47:00 +0000

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Microfinance

Investing Money

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