The short way to make money as share prices fall

Selling something you don't own may seem perverse, but short-selling has become increasingly common as fund managers seek to fully exploit their ability to forecast stock returns.

The concept is quite simple. The short-seller borrows shares in the expectation of selling high and buying low. If a short-seller borrows shares at 100p per share and the price falls to 90p per share, he or she can buy shares at 90p to replace the borrowed shares and keep the 10p per share as profit. Of course, if the price goes up to 110p, the short-seller must buy the shares back at a loss of 10p a share.

While ordinary investors are unlikely to do much short-selling, alternative investment vehicles such as single-stock futures and spread betting do permit smaller retail investors to try their hand. More commonly, though, the technique is the province of experienced fund managers who use it only for certain funds.

In the context of fund management, short-selling is all about stock picking. The manager is able to act on the view that a particular stock or security is overpriced or likely to underperform. If the manager has a strong negative view of a stock, short-selling enables that view to be expressed much more effectively than holding less of the stock relative to the fund's benchmark (under-weighting), or not holding it at all (zero-weighting).

There are other reasons for short-selling. One is to take advantage of perceived pricing differences between different stocks. A manager could take contrary positions in two companies whose share prices are closely related to each other: a long (buying) position in one and a short position in the other. Over time these positions would gradually be reversed (or 'unwound'), with profits earned by the price movements of the positions – assuming, of course, they move in the way the manager expects.

So-called short-sellers saw average gains of 7% in November while the FTSE 100 lost about 4.3%.

Two types of investment fund can make use of a short view. One is absolute-return funds, which look to produce a positive return regardless of market conditions. The strategies for these funds can be quite complex and often rely on sophisticated financial instruments in addition to short-selling.

The other type is the short-extension fund, which is usually benchmarked against a stock market index. Short-extension funds facilitate a limited amount of short-selling, with the short-sold shares balanced by an equal proportion of shares in other companies. In this way, the portfolio remains 100% exposed to the stock market.

One of the more popular examples of a short-extension fund is the 130/30 fund. Here, the fund manager may either invest 100% of the investment capital in long positions and add to it by short-selling an additional 30% (a "bolt-on" approach) or invest the portfolio as one entity, 130% long and 30% short (an "integrated" approach).

The higher the degree of shorting, the more opportunities the manager has to deploy his or her stock-picking acumen. But this can also increase risk, which may not be suitable for more cautious investors.

There are alternative means of gaining the benefits associated with short-selling. For instance, a series of
derivatives instruments can be tantamount to short-selling. These include single-stock futures (an agreement to buy or sell an asset at a specified price and time), single-stock put options (the right, though not the obligation, to buy or sell an asset at a specified price and time), swaps (an exchange of one series of cash flows for another), Contracts For Difference (a cash-settled agreement or contract between two parties) and forward currency contracts (an agreement between two parties to buy or sell a currency at a pre-agreed future point).

The increased risk associated with short-selling means that managers need to have proven stock-picking skills to identify appropriate short-selling opportunities – which, of course, underlines the need for rigorous, careful analysis.


http://scotlandonsunday.scotsman.com/business/The-short-way-to-make.3616145.jp

Directors make money by buying close to home

FOR as long as I remember, one of the big unanswered questions in stockmarket investing has been whether directors of listed companies who buy their own shares do better than the rest of us.

Deductively, you'd have to say they must do well. After all, they are the insiders.

Now we've got an answer. Keith Nielsen operates a website called www.theinsidetrader.com.au and for years he's been tracking directors' trades. Recently, he had the sense to spend money on research to examine the area.

After monitoring 6000 trades over the past four years, the results are out - and they are compelling. Six times out of 10, when directors buy their own stock, they make money - and on average those returns are double the market return for the year.

The smaller the company, the more likely the directors are to make huge returns. Again, it makes sense, because in small companies the directors can have a thorough understanding of operations. We're not talking about inside trading: this is all above-board, "on market" activity common in every listed company.

Nielsen focuses exclusively on situations in which directors actually spent cash buying shares. He ignores all the other variations by which directors pick up shares, such as stock options and share plans. In other words, he only includes trades where the directors put their hand in their wallets.

And sometimes, when people win, they win big. The largest gain made over the past four years was, ahem, 49,976% made by John Borshoff, of the uranium miner Paladin Energy. He bought 633,330 shares for 1.3 cents each. When the report was signed off for the 12 months to September this year, Paladin shares were $6.77 and Borshoff's $8229 had turned into $4.2 million.

Of course, not every director makes money on every trade. When directors lose, they lose on average 34%.

But mostly they make money. One of the best directors' dealings I have seen reported this year came last Monday, when James Hodgkinson - a director of property trust Goodman and an executive director of Macquarie Bank - put a buy order into the market for Goodman. (This was the day Goodman's rival, property trust Centro, collapsed.) Hodgkinson put down half a million dollars worth of Goodman stock at $4.37; they closed for the weekend at $4.90.



http://business.theage.com.au/directors-make-money-by-buying-close-to-home/20071222-1imw.html

Small savings can make you money

After being relegated to the sidelines in the last few years, small savings schemes are now staging a comeback of sorts. Several changes have been incorporated in recent times, to enhance the attractiveness of small savings schemes.

For example, the Post Office Monthly Income Scheme (POMIS) ranks as a popular scheme that offers assured returns (at 8% per annum) on a monthly basis. This makes the scheme apt for investors seeking regular income.

Not too long ago, the investment limits for POMIS were hiked from Rs 300,000 (for a single account) and Rs 600,000 (for a joint account) to Rs 450,000 and Rs 900,000 respectively. This augured well for investors like senior citizens and retirees who afford importance to regular income.

A press release issued by the ministry of finance earlier this month, mentioned that the bonus on investments in POMIS has been restored (albeit partly). To begin with, the scheme offered a 10% (of initial amount invested) maturity bonus; however, the same was discontinued.

As per the press release, investments in POMIS made on and after December 8, 2007, are eligible for a 5% maturity bonus. And there's more in store.

* Small Savings Schemes: An overview

The gamut of investment avenues eligible for tax benefits under Section 80C stands widened. The press release also mentions that with a retrospective effect (from April 1, 2007), investments in the Senior Citizens Savings Scheme (SCSS) and 5-Yr Post Office Time Deposits are eligible for tax benefits under Section 80C of the Income Tax Act. Clearly, the changes have provided the small savings segment a much-needed shot in the arm.

What should investors do?

At Personalfn, we have always maintained that while investing, not losing sight of one's risk profile is imperative. The aforementioned changes will go a long way in helping risk-averse investors adhere to their risk profile while investing.

Risk-averse investors often grudge the lack of adequate suitable investment opportunities; then there is the need for regular and assured income which has to be addressed. With the enhanced investment limits in POMIS, this issue has been dealt with to some extent. Senior citizens and retirees can now invest up to Rs 1,950,000 in the SCSS and POMIS, and earn a (taxable) income of up to Rs 171,000 per annum to meet their liquidity needs.

The tax benefits on SCSS and the restored maturity bonus on POMIS will make the investments more attractive.

From a tax-planning perspective, the risk-averse investor now has more to choose from. Earlier, Public Provident Fund, National Savings Certificate, infrastructure bonds and tax-saving fixed deposits from banks were the available avenues. 5-Yr Post Office Time Deposits and SCSS (albeit the scheme isn't open for investors across the board) are new additions.

With more attractive and a wider range of offerings to choose from, the onus to make the right choice now lies with investors.



http://inhome.rediff.com/money/2007/dec/28perfin.htm

How to Become a Billionaire

Each year, Forbes releases its list of the 400 richest Americans. The list was particularly notable in 2006, because you had to be at least a billionaire to be included.

As you might expect, a significant number of the folks on the list made their fortunes by investing. That subset includes Warren Buffett (worth $46 billion), Carl Icahn (worth $9.7 billion), and Jim Simons (worth $4 billion).

So here's important lesson No. 1: You can make a lot of money if you learn to manage your portfolio like a pro.

Easier said than done ...
Of course, that collection of billionaire investors offers no clue regarding what strategy is most likely to make you a billionaire. Warren Buffett is a dyed-in-the-wool value investor. That strategy has helped him achieve annual returns greater than 20% for more than 40 years on the back of investments in boring companies with competitive advantages at value prices such as Geico and Washington Post. That investment tack continues in his company's portfolio today, with Tyco (NYSE: TYC), Costco (Nasdaq: COST), and CarMax (NYSE: KMX) among the company's current holdings.

Jim Simons, though, can point to 34% annualized returns at his Medallion fund since 1982, net of what are believed to be some incredibly stiff fees. He favors a mechanical strategy based on computer models that are constantly refined by an army of Ph.D.s.

So while there is no best strategy, important lesson No. 2 is obvious: You gotta dance with the one that brung ya.

Say what?
Colloquialisms aside, all of these investors are astoundingly successful because they've figured out how they make money best, stuck with their strategy in good times and bad, and refined their best practices over time.

Buffett was mocked during the technology bubble when companies that he avoided and professed not to understand as well as others -- companies such as eBay -- were zooming to the moon. But they've come back to earth, and Buffett's still doing just fine today.

Icahn has a reputation as a corporate raider; he's made a lot of money instituting changes at underperforming companies. Although Icahn's recent efforts at Lear (NYSE: LEA) and Biogen Idec (Nasdaq: BIIB) did not end well, don't expect him to go soft. He's worth $10 billion. Why mess with success?

And Simons doesn't try to analyze businesses as Buffett does, because that's not where his expertise lies.

Mimic the masters
The secret to successful investing, then, is not found in any single strategy, but rather in picking the strategy that's right for you and executing it faithfully. As lauded NYU finance professor Aswath Damodaran writes in his book Investment Fables, "Each strategy has the potential for success if it matches your risk preferences and time horizon and if you are careful about how you use it."

That's it. That's the secret. Because if you get too cute -- chasing hot sectors, buying high and selling low, and giving yourself only six months or less to master a given investment strategy -- you're simply setting yourself up for failure.



http://www.fool.com/investing/small-cap/2007/12/29/how-to-become-a-billionaire.aspx

Detroit Considers Sale of City’s Small Parks

Save for a rusty, seatless swing set, the Brinket-Hibbard Playlot resembles many vacant lots pockmarking Detroit’s hardscrabble east side.

Looking across Hibbard Street at what is left of her childhood park, Patricia Scott, whose family lives in the only home remaining on the block, recalled better days.

“There were nine of us kids, and I can remember how we used to have fun over there, when there was a sandbox and some hobbyhorses, and I think a seesaw,” said Ms. Scott, 56. “The way it is now, I think it’s pitiful.”

Detroit’s own assessment of the park is similarly grim, according to a recent report, which said, “Except for an old swing set frame, this appears to be another vacant lot in a neighborhood of many vacant lots.”

Now, some city officials are wondering, Would you like to buy it?

The Brinket-Hibbard playground is one of about 90 municipal parks — mostly small play spaces — that the city of Detroit is considering putting up for sale under a contentious proposal that seeks to condense and consolidate park space and resources in thriving areas. The city would use the money earned from any sales to maintain and possibly expand parks in parts of the city that are more densely populated than, say, areas like the one around Hibbard Street.

The Recreation Department’s master plan calls the proposal “park repositioning,” which officials promote as a clear-eyed way to look at necessary downsizing, a way to align park space with the significant demographic shifts over the last half-century in Detroit, which has lost about a million people since 1950.

But critics say it could further hurt downtrodden areas where parks are equally appreciated, and that green space is too precious to be bartered for money.

“They call some of these parks ‘surplus,’” said City Councilwoman JoAnn Watson, an opponent of the plan, “but I don’t know what the heck that means because there is no such thing as a surplus of something that is necessary for the good and welfare of the community. The very concept of selling off public parkland in somebody’s hope to address a one-time money crunch is not something you do as a big city. We have to protect these parks for future generations.”

Some proponents of the parks say that eliminating a park in a declining neighborhood would make a resurgence much harder.

“It could be a case of penny wise, pound foolish,” said Abe Kadushin of Kadushin Associates, an architecture firm that does a lot of work in Detroit. “I understand the need to make money, if it’s an asset that’s valuable and the city can dispose of it. But it may not be the wisest thing in the long run.”

The proposal seems to have stalled in the City Council’s Neighborhood and Community Services Committee, whose chairwoman is Ms. Watson. But the administration of Mayor Kwame M. Kilpatrick plans to pursue it, possibly along with other options like neighborhood or corporate sponsorships. Though with more than 300 parks — 40 percent of which are in poor condition — sales to developers or other for-profit entities could be most beneficial.

If private buyers emerge for most of the parks in question, the city estimates it can raise $8.1 million from selling the land (about 124 acres) and more than $5 million a year in tax revenue, while saving hundreds of thousands of dollars on maintenance.

“It’s an opportunity to look at where we can put parks closer to people,” said James Canning, a city spokesman. “We’ve constantly looked for ways to make government more efficient, and we see this whole idea of possibly repositioning parks as promoting an increased quality of life for those living in our neighborhoods.”

Some experts say the idea makes sense. While many cities and states are preoccupied by figuring out how to grow, several, like Detroit and New Orleans, are grappling with how to shrink, an alternative that is rarely pleasant. Recently, a melee erupted when the New Orleans City Council voted to demolish four public housing projects (to be replaced by fewer units for poor people).


http://www.nytimes.com/2007/12/29/us/29parks.html?hp

Did you make money in 2007?

What is the best way to invest in stocks? In 2007, you could have made money by throwing a dart at a list of stocks and investing in whichever name it landed on. During the year, eight out of 10 stocks scored gains. You would have lost money only if your dart was unlucky enough to land on one of the other two.

In all, 2,126 stocks, constituting 82 per cent in the 2,590 actively-traded stocks on the Bombay Stock Exchange (BSE), witnessed an appreciation in prices as on Christmas-eve. With four sessions still to go before the year ends, that situation may change, but not substantially.

So far, you didn't need much luck. To hit big money, though, your dart would have had to land on something that took off like a rocket during the year. Take this little-known company called Cals Refineries (Cals what?). If you had invested Rs 10,000 of your life's savings last year on December 29 in Cals, your investment would be worth Rs 2.34 lakh on Christmas-eve this year. You would have done equally well with Lloyds Metals, with the same Rs 10,000 growing to Rs 2.17 lakh.

Even with minor luck, you would have doubled your money. Share prices of 840 companies (which account for nearly one-third of the actively-traded stocks) doubled in 2007. However, the number of multi-baggers (stocks that multiplied 10 times of more) stood limited at 13. The returns among multi-baggers varied from 1,019 per cent (10 times) to 2,344 per cent (23 times). Not surprisingly, smaller companies surged the most. Sahara Housing surged 2,008 per cent from Rs 45.50 to Rs 959.

• Check out our Yearender Special

Sixty-nine stocks gave returns between 501 per cent and 1,000 per cent and 755 stocks between 100 per cent and 500 per cent. Not a bad year for investors who had the courage and the tenacity to hold on to their investments.

However, in value terms, the largest wealth creator was - you guessed right - Reliance Industries. The market value of this Mukesh Ambani flagship more than doubled (119.47 per cent) from Rs 1,77,025 crore to Rs4,05,285 crore - a gain of Rs 2,28,260 crore. The share price of Reliance Industries moved up from Rs 1,270.35 to Rs 2,788 during the year.

The next three slots were occupied by public sector undertakings (PSUs). The government is sitting on huge paper wealth. MMTC, with a Rs 1,22,986 crore market capitalisation gain, ranked second after Reliance, followed by NTPC (Rs 82,331 crore) and ONGC (Rs 80,710 crore). Larsen & Toubro ranked fifth with a gain of Rs 78,551 crore in 2007.

Telecom major Bharti Airtel recorded a rise of Rs 64,905 crore while Anil Ambani's Reliance Communications witnessed a market value gain of Rs 53,207 crore in 2007.


http://sify.com/finance/fullstory.php?id=14580498

How You Can Make More Money

This could very well blow your mind ...

Nearly $700 billion has been deposited in stock mutual funds since the beginning of 2007. That brings the rapidly rising grand total of money stashed in stock mutual funds to an astounding $6.6 trillion.

That's enough cold, hard cash to build a land bridge to Asia.

OK, maybe that's a stretch
But if you think $6.6 trillion is a lot of money to be invested in stocks, consider that there's another $4.7 trillion invested in bonds and money market funds. It's less, sure, but it's still a full 39% of the total.

In other words, American investors have a lot of money invested -- and that money seems to be invested far too conservatively.

Yes, those numbers are a quick-and-dirty way to arrive at that conclusion. But -- and it's a big "but" -- to our way of thinking here at The Motley Fool, investors with a timeline of 10 years or more should be holding no more than 10% of their investable assets in bonds -- let alone anything in money markets.

Yet we clearly do ...

Dumb and dumber-er?
American investors aren't dumb. We're uninformed -- a reason for the mad rush of money into professionally managed mutual funds since 1996. Fund assets under management have increased nearly 11% annually over the past decade, as the number of funds available for investment has increased from 6,293 to 8,726, according to the Investment Company Institute.

And fund companies are cashing in. Fidelity Select Brokerage -- a sector-tracking fund that counts Lazard (NYSE: LAZ) and Jefferies Group (NYSE: JEF) among its top holdings -- is up 13% annually over the past 10 years. That's nearly 7 percentage points ahead of the S&P 500 index.

Pay up for ... junk
Of course, the majority of the funds out there fail to beat or even match their benchmarks, despite holding some solid stocks. Take John Hancock Growth Trends (JGTBX), for example. The fund has been walloped by the S&P 500 to the tune of more than 3 percentage points per year since 2002. And despite holding recent gainers such as IBM (NYSE: IBM) and Partner Re (NYSE: PRE), positions in losers such as Cardinal Health (NYSE: CAH) have the fund trailing the index by nearly 4 percentage points over the past year.

But poor stock-picking isn't the only reason the fund's customers are underserved. They're also paying the fund's managers an absurd 2.35% expense ratio -- which means investors are starting out 2.35% in the hole. That's a big hurdle to overcome.

And while the fund's managers probably love cashing their fat checks, your payments to them are preventing you from doing the same!

We pay you to what?
The Investment Company Institute recently broke down the workforces at these fund companies by job function. Would it shock you to discover that just 31% of the folks working in this enormous and profitable industry are actually dedicated to picking and researching investment opportunities?

In other words, 69% more are not.

And while some of these excess workers perform critical functions, such as ensuring regulatory compliance, another good chunk are focused on sales and marketing. But why draw a distinction? Your absurd fees pay for all of them.

Cut the fat. Pick your own stocks.
Is it a big step? Yes. Is it an impossible one? Heck, no. Here are three time-tested tips to get started:

1. Invest only money that you won't need for at least three to five years.
2. Keep investing money on a regular basis, and never try to time the market's machinations.
3. Diversify your portfolio broadly enough so that a few bad surprises won't ruin your returns.

Of course, that's only the tip of the iceberg.

Make it happen
But if you'd like to learn more about valuing and picking your own stocks, consider joining our Motley Fool Stock Advisor investing service. There, Fool co-founders David and Tom Gardner bring you regular interviews and investment lessons from top business leaders, keep you up to date on breaking market news, and help answer your questions on the service's dedicated discussion boards.

And here's the best part: They also pick two stocks each month that they believe will beat the market for the next decade or more. Since inception in 2002, those picks are beating the market by 45 percentage points on average. You can see each and every one of them by trying out the service free for 30 days. Click here for more information. There is no obligation to subscribe.


http://www.fool.com/investing/general/2007/12/29/how-you-can-make-more-money.aspx

Recycle Your Dusty Equipment and Make Money

There is a service called Second Rotation. The service buys your used electronic gadgets after you enter in basic information such as if the manual's still there and the condition of the item. If you agree, Second Rotation will allow you to print a shipping label. Once they receive the item, they will issue you a check or make a Paypal deposit.

While you can probably get more money on certain items on Ebay or through a direct private party offer on community sites like Craigslist, Second Rotation will help you part ways with items you don't use. I am not sure what they do with the item, but at least it won't end up in the trash down the road. This way, you earn a little green for being green.

http://www.pocketnow.com/index.php?a=portal_detail&t=news&id=4886

iTunes Says, "But that's where we make our money!"

It's pretty easy to tell where iTunes makes the bulk of its money based on how it responds when you try disabling some of the media preferences.

Hop into your iTunes preferences and start unchecking media sources, you'll find that some uncheck without a fight while others throw up messages like this:Outside of those two, you can turn off any of the other options without a fight. Wonder why that is? The other ones provide access to free content. No money in Apple's pocket means it can be hidden without a fuss.

Okay, so maybe it isn't quite that cut and dry. They do make money on games and ringtones, but I get the feeling that they don't see this as a big enough business today to force on people.

The one you can't turn off no matter what is Music. Even if you only use iTunes to download podcasts or watch movies, you have no choice but to be constantly reminded that you're not using iTunes they way Apple decided you should.Podcasts, then radio and music would be how I'd rank my iTunes listening preferences. I've also switched to Amazon as my first choice for buying music, so the default version of the iTunes Music store isn't exactly helpful either.


http://www.technologyevangelist.com/2007/12/itunes_says_but_that.html

4 Steps to Make Money With Search Engine Optimization

It's always best that when you have a website, you aim of getting indexed in search engines, such as in Google, Yahoo, and MSN. You cannot definitely imagine how many Internet users all over the world are visiting them every day. Certainly, when you gain a good spot in them, you can generate the traffic that you've always dreamed of for your website.

So how do you list yourself in search engines? Here are 4 steps to make money with search engine optimization.

1. Vary your anchor links. You may make use of the same anchor text, but make sure that they direct to different pages. Better yet, to be in a safer position, vary your anchor texts and links all together. You don't like to make your articles appear like they are only created to stuff all of your links.

2. Provide your target customers some more. There are many benefits you can get when you give your customers more than what they want. If you can offer them ezines and even free stuff such as ebooks, courses, tutorials, and what-have-yous, they will be more than willing to link to your or share your website with others.

3. Create variations in your title tags. Never dare to underestimate the smartness of search engine spiders. They can definitely detect if you are doing black hat techniques to increase the popularity of your website and get a page rank right away. Thus, to avoid getting penalties from search engines, create different titles in your title tag. For one, it should match the webpage. Second, it's simply the right thing to do.

4. Avoid keyword stuffing in keyword tag. The keyword tag of websites allows you to identify the keywords and phrases that can best describe your website. It makes you more search engine friendly. However, keyword stuffing or spamming is definitely frowned upon.

Do you want to learn more about how I do it? I have just completed my brand new guide to SEO success, 'Secrets of SEO'

Download it free here: SEO Secrets

Sean Mize is a full time internet marketer who has written over 1574 articles in print and 11 published ebooks.

Making Money With Adsense

Google Adsense can be one of the most lucrative ways to make money online. A website can be well monetized by using Google Adsense. You can generate an extremely large income if you have your website set up correctly. However, if your website is not set up correctly you could be missing out on money that could otherwise be collecting in your bank account. I'm guessing none of us want to leave any money behind.

Earning money using Adsense is very simple and you can be earning a fantastic income within a couple of months. It can take a little time and effort to get your website up and running the right way but it is well worth it in the end. Once your website is up and running and making money then it will run almost on auto pilot.

So you will want to spend the time at the beginning to get it right and make the most of your website. This way your Adsense income will reach it's fullest potential. You will be amazed at the great results you will see in a short period of time.

The first thing you will need to do in setting up your website is to write some good quality content articles and make sure you use your keywords throughout your articles. If you have a gift of writing, then why not make that gift work in your favour and use it on a website and earn some income with it.

Don't start to panic if you don't have that gift for writing, even if writing doesn't come easily to you, writing articles can still be easy. You will need to start by doing some research and find information relating to the topic of your website. You can find information on the internet, in books or at the library. Always make sure that you rewrite any information you find into your own words, never copy someone else's information word for word.

Search engines will reward you for having good quality content on your website, so make sure you keep up with the demands of the search engines and keep your content good and unique. By doing this the search engines will love your site and will reward you with good rankings.

Build a good quality site with unique content and a good usage of keywords and this will ensure that the Adsense ads placed on your site will relate to your sites topic. This is where all that you've done initially will go to and this is also where they will prove their worth to you.

Where you position your ads on your site can be very important. Don't just place your ads anywhere, make sure you position them carefully. Try to position your ads where surfers are most likely to click on them. The one place that surfers look first when they visit a website is the top left. The reason for this is because that is where your website navigation links are usually located. So by placing your Adsense ads directly under your navigation links will usually get some good clicks.

Even if you think you are doing well with your Adsense earnings, it can still pay to play around with your ads. There are techniques and styles that can help to generate more clicks and sometimes just by tweaking your ads your earnings can be doubled or even tripled. By working out what techniques work the best for your site, you can be earning much more than what many people earn through their Adsense websites.

Stay away from banner ads and skyscraper ads - they don't tend to get as many clicks as the other ads. These ads are clearly recognized as an advert and so many internet surfers tend to ignore these types of ads. There is no point in putting ads on your website that aren't going to get you the clicks you want, it will be more beneficial to use ad types that are more likely to receive a higher click through rate.

To really make a great income with Adsense, you should have a definite focus on what you want to achieve and how to go about achieving it. Like any business venture, you need to give it time and patience.

Keep an eye on your ads and click through rates, if you aren't seeing enough clicks then play around with your ads a bit and keep track of which ads perform better for you.

Sheryl Polomka is the author of 'Income With Adsense. The affordable ebook that gives you the REAL secrets to making an income using Adsense.

Reach Your Real Adsense Income Potential with Income With Adsense

Top 10 Ways of Making Money Online Without List Building

1.) Affiliate Marketing

Affiliate Marketing means selling other peoples' products for a percentage of profit. Offline it is called: Selling on Commission. But it is much easier Online since you don't have to talk to anybody face to face, or bother anybody with your unwanted phone calls.

You can easily use internet marketing and advertising methods like pay per click advertising, articles writing and distribution, ezine marketing, blog posting, banners and all the other known Internet marketing and advertising methods for promotion.

Here belongs also what is called Affiliate Brokering where You find valuable products and recruit other people with lists to sell for you like a 2nd tier affiliates.

2.) Contextual Advertising

Basically Pay Per Click method from the "opposite" side. You place a little code on your site and you get paid when somebody clicks on one of those little ads. One of the Most Passive streams of income.

The most known are Google's Adsense, Yahoo Search Marketing ads, but there are so many more contextual advertising companies and styles that there could be a whole book written about them.

3.) Auctions and Classifieds

You most likely heard at least of Ebay, and other auction sites, or Craig list and other classifieds. You can sell items on those without ever having to send one newsletter.

In a case of Classifieds it is usually even Free.

4.) Lead Generation and CPA offers

Also similar to Affiliate Marketing however here you don't get paid per "sale" but per "action" people will take, i.e. fill-in a form, download a free trial or for getting a sample - can be free or just a for a small shipping and handling fee.

The difference is that Cost Per Action deals are fully online based, Lead generation can be also a 100% online, however the most profitable method is to sell the leads you get through your online marketing to the Offline Companies.

This can be quite lucrative as almost every business has a need for more fresh targeted leads and if you are able to deliver you can make quite an amount of money.

5.) Selling Text links

If you have a high trafficked site you can sell "Premium" links on it. Use brokers, or sell your own - either you contact other owners in your niche or they contact you.

6.) Creating Directories or Forums

The idea goes like this: you create a Niche Directory - be it an Article Directory or a Link Directory, or a Forum, then promote it so it gets a High PR rank and then either sell Premium Links on it, or put Contextual ads on it, or even banners!

7.) Blogging

Many influential bloggers are making Very good money these days. So How do you do it? Create a niche blog, update it often, don't be afraid to express your view/opinion, submit it to blog directories, and to other Web 2.0 sites to make your blog visible and known.

Then of course put advertisement on our blog, be it for products you get a commission for, or contextual ads, or text links or any other form of online advertisement.

These days you can also get paid for being a professional blog "reviewer" where other people/companies will pay you for the review of their site, products or services.

8.) Widget creation for Web 2.0 sites

This is a very good, mostly underutilized method of making money. If you are capable of creating a little "widgets" or "gadgets" for those immensely popular Web 2.0 sites like MySpace, Facebook etc. you can make lots of money as the widgets become popular and people will pass them on.

When you create a widget you always embed info about your site or the site you are promoting into it, so as the widget becomes more and more popular, more and more people will be exposed to your message or link.

Usually the widgets are free, but could be also paid if they are highly targeted to the particular site users. Usually just for a small fee which people won't even think about. Or have a free version to get people used to it, then charge for a "Pro" version when they become addicted. ;-)

If you are not capable of creating one of these little applications by yourself you can always hire someone to do it for you.

9.) Professional "Content Creator" - Freelancing

This is one method not too many people are thinking about. There are many ways how to be a "professional content creator" - how I call it.

The most known is creating Private Label Right products and sell the Master or Resale rights to others, however there are also many other ways how to get paid for Content creation:

You can become a Content creator for hire where f.e. you offer manually post comments to influential targeted blogs, or popular forums.

If you live in USA you can also get paid for your articles. Visit AssociatedContent.com for more info.

You can also offer to do a Customer support (= a Highly sought after skill!), Tutoring or even your Offline skills you have to your local market. Again, you Don't need a mailing list for freelancing.

You can utilize sites like rent-a-coder.com, e-lance.com, proper forums, even Auction or Classified sites for offering your skills.

10) Domaineering = selling sites for profits

The idea goes like this: You buy an established domain name - usually expired, you develop it and then sell for a profit later on. Kinda like Real-estate selling offline.

There are people who are making millions with this method, which also means that an ordinary person usually does not have a chance to snap a "good" expired domain name, however there is also another option anybody can use.

Basically, buy a catchy domain name in an interesting niche, then simply develop that site over the time as much as you are willing to and Then offer it for sale. Fully developed sites have much Higher value than just plain domain names.

If you want to take a shortcut to make money from your websites with the majority of the work done already for you and earning an income from several different sources much faster then read more details about this complete Turn-key Solution. Visit http://reveview.com/niches-in-a-box-review/ so You can start making money online.

How To Start Making Money On The Internet

Maybe you've heard people say that you can get rich on the Internet. But, if you are serious about making money on the Internet, remember, it's not a get rich overnight business. Internet success takes time, effort and knowledge. There's no easy "get rich quick" method, so you need to spend the time for building income stream from your web site.

You can find many kinds of web sites that have the aim, directly or indirectly, to make money. Apart from the online retailers who are using their sites to directly make money, you can find many web sites with various money making features.

Banners

They were one of the first ways of making money from hobby web sites, however they are not so popular now since most surfers don't even look at them. In fact, the click-through rate (the percentage of visitors who actually click on a banner) has steadily dropped, from around 5% 4 years ago to less than 0.5% now.

Freebies

Under this category are things such as free lotto tickets and various games where you can win prizes. Often, these are implemented as pop-ups and are much more annoying than banners.

Affiliate programs

They pay you a percentage of the sales you generate for them, or for each visitor you send. This is one of the best ways of making money on the Internet. You don't have to spend time and energy creating your own product. And some of them pay 50% commission. See Affiliate programs for more information on building income from affiliate programs.

For more information on these examples get the 99 cent ebooks at Informationebooks.Ezwebmall.Biz

Thanks

Donald Martin
http://www.ezwebmall.biz

Fast Money

Millions of people are turning to the web for fast money. Many have gotten themselves into financial trouble and are over their head in debt, while others are looking to make some extra money so they can ensure they don't get into trouble.

Millions are people are searching in hopes of being able to get out of the day-to-day rat race. I can imagine people not wanting to sit in traffic for ours before they even get to their day job. That sounds really ugly, but millions to it every day in the big cities. At the time of this writing unemployment it at an all time low, however there are still plenty of people looking for work. The Internet is a great place to turn, because the cost to work at home is minimal and the learning curve is small.

You can see the desire by looking at the key word phrases being searched for on a daily basis. They are phrases such as fast money, make money fast, cnbc fast money, make money fast and easy, make money fast online and making money fast. This is only a few out of hundreds of requests.

The problem is many people just do a search and jump into the program that looks the easiest, pays the most and promised everything. I'm sure you can figure out what happens next. They either get scammed or they think they will make money without putting in any effort and it won't happen. That's why they call it work at home, because you have to do some work from home. The effort is normally far less than a day job, but you still have to put in some effort.

The reason why people jump so quickly is the need for fast cash. We are in what I like to call a microwave era where everyone want things fast. If you want to make some cash on the Internet it can be done, but you have to either do your research or use a web site that has done some research to ensure you are getting into the best possible programs.

There are many programs available whether it is Online Paid Surveys, Data Entry, Type At Home, Mystery Shoppers or Telephone Answering. This is just a few, but each one involves narrowing down your selections to just a few companies out of the thousands that are on the web. You must either use a web site or be able to spend hours researching or you are probably going to get into the wrong program. If you do the research one way or the other there is plenty of good programs, whereby you can make some really nice money on the Internet. You more than likely have the skill sets required to do any of the task required.

You probably already have most if not all of what you will need such as a computer, printer, access to the Internet, word processor and spell check. Please feel free to read more of this article by visiting my link in the resource box below. I always enjoy getting emails pertaining to my articles or my site. Your feedback is important to me.

Michael Comeau has been owner of many successful businesses over the years including his current online business which can be viewed at http://www.workfromhome4dollars.com/ArticleWorkFromHome9.php

You may also find more articles by Michael Comeau at http://www.workfromhome4dollars.com

Are You Habitually Losing Money?

Psychologists tell us that up to 90% of our behavior is habitual.

If you have a habit of letting your receivables get overdue, which is one of the most common unsuccessful habits, you will always get a predictable result. Negative habits breed negative consequences.

If your negative habit is letting your accounts receivables get overdue you want to choose a better, more successful habit to replace that. There are steps you can take to change this habit:

1. Review your accounts receivables weekly or at the very least, monthly.
2. Stay motivated by trying to collect as much money as possible.
3. Stay focused; don't let excuses veer you off track.

Once you have these habits in place, keeping your receivables up to date will be your new habit and a habit that makes you more money and helps you grow your business. Those are the kinds of habits we want and that can determine who is successful and who is not!

You may want to train yourself or your collectors or Credit manager for their debt collection tasks. Some areas that you or your staff may want training in are:

• Developing a telephone voice
• Refining Listening skills:
When you call a debtor and you state the reason for your call or ask a question, wait for them to answer. No matter how long the pause is, let them break the silence.
• Managing the emotional side: Debtors will get upset that you are calling them. They will cry, yell, swear and hang up on you. When a debtor starts telling you his life history of despair and how this affects why they cannot pay, you need to be able to have compassion for the situation but offer a solution to get the debt paid. Such as a payment plan or different options for payment.
• Preparing the pre-call plan: Before you ever make a collection call you need to research the account. Before you dial you need to know the invoice number, date, amount that is past due, how past due it is, the payment history, details of the order and if there were any disputed items. When the debtor asks you a question you need to answer immediately whenever possible. This shows the debtor that you are serious.
• Making opening statement: Your opening statement should be brief and to the point. You need to identify yourself and your company, state why you are calling and what you want./ An example would be: Hi, this is Michelle from KTM Auto calling about your balance of $500.00 on invoice # 1234 dated 4/1/05. I am calling today to take your payment over the phone to clear this balance from your account. Would you like to pay with a check over the phone, debit or credit card? STOP! Let the debtor break the silence after your question and remember, always assume the debtor will pay.
• Asking questions with precision and Making the transition to the payment arrangement- All your questions should be clear and to the point with silence after each question.

Example: Debtor: I can't pay, I don't have any money
Collector: Are you working?
Debtor: Yes, but I just started a job and don't get paid for two weeks.
Collector: What day will you get paid?
Debtor: Friday
Collector: Okay, then you can mail a money order for $25 on Saturday.

This example can go so many different ways depending on the debtor's responses. You have to be positive and get them to agree to make a payment. Once you reiterate what is going to happen, send them a confirmation letter with a payment envelope. Then call them on Friday to remind them about mailing the payment. An example of what you could say could be:

"Hi this is Michelle from KTM Auto, calling to confirm you will be mailing a money order for $25 tomorrow, Saturday. " Remember, as a debt collector you must do the following:

• Manage the emotional side
• Prepare your pre-call plan
• Make the opening statement
• Ask questions with precision
• Make the transition to the payment arrangement
• Handle Objections - You need to become familiar with common debtor objections. The best way to do this is to make collection calls.
• Closing the call - Your last statement should reiterate everything covered in your call. Repeat all actions that will be taken. Example:
"Okay, on Saturday you will mail a money order for $25 in the envelope I send you today. Then you will send $25 a month every Saturday until May 15th."

You cannot be to clear and follow up is the key to success. If you don't follow up on any of the above actions, you are wasting your time and money.

Michelle Dunn, author of an award winning book has spent the last 18 years stepping into dangerous debt collection potholes. She shares her hard-won expertise on debt collection with the titles in her "Collecting Money Series." She is the founder and president of Never Dunn Publishing, LLC and her 10 year old Credit & Collections Association with over 1075 members. Michelle started and ran M.A.D. Collection Agency for 8 years. Visit http://www.michelledunn.com and http://www.credit-and-collections.com for more information.

Is There Really a Way To Make Money Online?

Believe it or not, the fact that you are reading this article right now has already proven my point. I know that may sound a little confusing at first, but once you allow me to explain then you'll have that voice in the back of your head saying "Ahhh, now I get it!"

I am sure that at some point in time you have had your inbox crammed full of information on how you can become a millionaire over night, and all they have to do it buy their "proven" system and "abra-ca-dabra" you are rich. If that was really the case then every single one of us would be wealthy and there would be no need for any of this. I am always honest about my past failures. At first, I bit on everyone of these schemes thinking that with a shotgun approach I was bound to find something that would work...Wrong!!! I have come to realize that these guys are strictly salesmen, and some of them are very good at it. They were the only people that were making money, off of me and a lot of people just like me.

Some of these programs had some "real potential" or at least that is what I thought. They actually made sense, they had step-by-step instructions, all kinds of "testimonials" from people who were getting stinking rich from that program. My favorite is when they get "gurus' just like themselves to hype up the program like it is a breakthrough of epic proportions. But all they do is trade off recommendations to help make themselves even wealthier. It just seemed to be the same thing day after day...the programs themselves were starting to contain the exact same information, just a different title and some added hype.

Honestly, I gave up...I had lost all faith in some of the so-called gurus who were pushing products that did nothing but pad their own pockets. I knew that with the sheer size of the internet and the rapidly growing number of internet users that there was unlimited potential out there, but I just couldn't find a way to tap into it. To be honest with you, I didn't give up...I just had to take a long break. My pessimism was taking over and there was really no drive in me to keep looking, besides I was tapped out. With all the programs, PPC advertising, and web design and hosting costs, I just had no more money to spend on it!

During my "break", my wife made a comment to me that I will never forget. She basically said "Why in the hell do you need millions of dollars, anyway?" Honestly, I could have come up with all kinds of answers to that question, but thinking to myself I knew that everyone of them would sound extremely selfish and greedy. And that wasn't who I was. Honestly, who wouldn't want to make a million dollars, but the question is do we really need it.

Believe it or not, I honestly took her words to heart. It actually lit another spark under me to get back out there, but this time I wasn't looking to get rich. I just wanted on "real" opportunity to make some extra money, no matter how little it was. I didn't want to spend any money on the "get rich quick" schemes, in fact, I didn't even want to spend any extra money on marketing. I was going to do it my own way! That is when I found out the power of article marketing. A free way of getting information out to the masses without having to spend a cent.

So that is exactly what I did. I joined some affiliate programs, and starting writing articles, lots of them. But oddly enough, I was still spending less time on the computer than I had done previously, and I was definitely spending less money. There wasn't much happening at first, but I can still remember the first time I checked my account and found that I had been credited for a sale. I was ecstatic!! It was only $34 dollars, but I didn't care because something that I was doing actually worked. So I kept at it, just writing one or two articles a day. Eventually I was being credited for sales on a regular basis and sometimes I was averaging $100 a day. At one point, I thought to myself if I could double or triple my efforts then I could make even more money. But I stopped myself right there! I didn't want to find myself in the same mindset that I was previously, I had no reason to become greedy.

Now let me stop for a second and refer back to the first paragraph of this article. Remember, I mentioned that the fact that you were reading this was already proving my point. It didn't cost me a single cent to submit this article, and with the experience that I have had I was able to write this in about 15 minutes. Do you know that there are nearly a thousand article directories on the web, obviously some are more popular than others, but they are still out there, available to everyone that uses the internet. If you submit an article someone will read it, I guarantee it. Some articles will be read more than others, but someone will read what you have to say.

What if you could tie that into something, say an info-product on a topic that you are very familiar with. How many articles could you write on that topic? 50, 60, maybe even a hundred. And then you submit those articles to a minimum of 20 different article directories. Just think of the exposure that you could get without spending a single dime! These articles will eventually turn into sales for you, and before you know it you could have a steady stream of income that wasn't there, say a month ago. If this is of interest to you, or you just want to find out more, I have actually set up a 3 day e-course on how you can put it to use. It is what I lovingly refer to as the $100 a Day Income System. And guess what, sticking to the theme of this article, this e-course won't cost you a single dime. So let's get started!!

Be a part of the Grand Opening of the new Affiliate Mega Store. A unique website that will offer you all the information and tools that you will ever need to drive in the traffic, convert one sale after another, and crush your competition! Best of all, there will be NO $50+ price tags! Stop spending loads of money on "hyped-up techniques" that don't bring in a single cent!

Christopher William "Affiliate Marketing used to be a hobby of mine, but it has now turned into a passion...The last sale still feels just as good as the first!"

Writing for Money

Writing a book.

If you think that this is a daunting task, you would be right, if it were a novel or autobiography you were starting out on.

If you think that writing a book is all work, you would be wrong. It is an extremely enjoyable way of getting out and about, of meeting people and having a good laugh.

I first started writing at an early age, not for profit, but because I enjoyed writing funny sketches, jokes, lyrics and practically any topic that was suggested, I could write something about.

I mentioned earlier that writing a book could be fun and of course entertaining, but it won't pay your wages. I have a suggestion that worked very well for myself and there is no reason why it couldn't work for you.

I am talking about a book that anyone could write and in a fairly short space of time. It's a comedy book. I wrote a book some years ago.

Let me explain how I came to write this particular book. My father was an undertaker later on in his life, he told me of some very humourous things that they got up to. I thought he was joking as I didn't recall ever seeing an undertaker with a smile on his face. Now my father had a really dry sense of humour and I suppose a little of it rubbed off on me. I have a normal sense of humour, but some of the stories my father told me really made me sit up and listen. I didn't believe all of them or course, I thought that initially, he was pulling my leg. He wasn't!

He introduced me to some of his work colleagues one evening in the local pub and they in turn introduced me to others. I heard so many funny stories and so many not so funny stories, that I thought I would try and document them down in some form or other.

The next time we met up of course, I was armed with a small tape recorder that I used to catch all the stories. I was even invited to go to their houses so they could talk in private about some of the weird things that had happened during the course of their working life as undertakers or morticians etc.

After about 4 weeks, I was getting really involved with the storylines and decided to put an advert into a paper that came out only on Mondays, Wednesdays and Fridays called LooT.

The advert was picked up by Granada Television and Nicky Campbell for a program called Classified Ads that went out on a Sunday.

I was asked along to the TV studio on Sunday morning along with all the other people who had strange adverts running in the local paper. I had to relate one of the stories whilst on the set. I didn't finish the story of course, because I added at the end of the story that to find out what happened at the end, they would have to buy the book. The program was scheduled for release the following Sunday. I told the story of course and Nicky Campbell was fascinated and asked me at the end of the program, what happened so I told him. He was flabbergasted! You won't find out either, you'll have to buy the book!

I got many stories from people watching the program the following Sunday, as Granada kept a log of all the requests coming in to the studios in Manchester.

There is no reason why you cannot write a book on the stories you hear from Firemen, Police, Hospital workers, Ambulance crew etc. There really is money to be made, if you have the commitment to go out and meet these people. Yes it does take a large chunk of free time out of your family life, but hey, it's worth it just to see your name on the book cover and it selling next to the likes of Bridget Jones's Diary. (No 25 on the best selling Humour list no less!) Check out the link yourself. If the link is not live, try copy paste to the browser http://www.mobipocket.com/en/eBooks/Search.asp?typeSearch=Category&strSearch=&Author=&Title=&Keyword=&CatID=46&PublisherID=&OperaLogic=&Price=&pagenb=3&nbresults=10&orderby=0〈=EN

It should take approximately 6 weeks to do the research, asking all the questions of the people etc. After that period, it should take around three weeks to get all the documentation fixed. If you have a friend who draws good cartoons or can illustrate, even better. I had such an illustrator who did all the illustrations for my book. To see it on the e-shelves, is just fantastic. It is selling quite well. When I first hawked it round all the publishers, there was little interest, especially from a first-time writer. So what is the best vehicle to launch the book? Yes, the internet.

If you were to write a book on Firemen's funny stories, you have a captive audience first of all, about 100,000 firemen in the UK, then to the USA, where there are around 3.5 million, and then there's the general public who love funny stories about their heros, as well as life-saving scenarios as well!

Even if only 1 percent of the target audience bought your book, you have a very healthy profit and a very luxurious lifestyle. I can't do that at present, I'm now based in Holland, so it would be difficult for me to do any more interviews in the UK.

I have written many books, all of which have not been published yet, but that is about to change. I have written many thousands of articles for newspapers, magazines and newsletters for companies, which I still do now of course.

Have a look at the book on http://www.blackhumourbooks.com you will find out more about what I do on the about page of the website.

I have written for many magazines you have heard of and one you don't want to hear of. Authored many books and thousands of articles and newsletters. I have written to order on specific topics in a humourous vein.

If you want to know more about starting your own internet business, or more about writing, go to http://www.howtocreateit.com This is going to be a mega website in the not so distant future, but go there yourself and read why. Look at the mission statement. I mean business!

I have written many thousands of articles, three books and many newsletters for the companies I have worked for. I have written many business articles and of course, I have suggested many business ideas that are internet based businesses and some non-internet based ideas.

For the Humourous book, go to the website http://www.blackhumourbooks.com or for the business ideas and internet business site, go to the website http://www.howtocreateit.com

Money With SEO

So where is the real money in SEO? Well, like any business, the incoming revenue (client fees) has to cover expenses before the owners and shareholders can count profits. So the operational challenge of a business (including an SEO business) is to minimize expenses while maximizing revenues. The goal of an SEO Firm must be to optimize the productivity of internal people, measuring revenue as part of the success metric. The more those people are paid in salary, the more revenue needed to provide profits after expenses. Since most fee-for-service situations do not tie project revenue directly to the productivity of the workers on the project, the "sales" department must generate the revenue. Who is the sales department in your SEO firm?

Maybe it's clear why there are so many "boiler room" SEO Firms out there cold-calling customers and selling sub-standard SEO services. They are simply maximizing revenues, while minimizing expenses by hiring minimally capable SEOs (or doing minimal work). What is the flip side of that coin? I think it's people like me: independent SEO consultants hired to work with the best web designers and coders and marketers on projects where someone else is already hard at work maximizing revenues, and where that exact person (or team) has definitively determined they need SEO to help them maximize the revenues.

I usually refer to that last aspect as "the business team working strategically with the SEO" because really that is what it is. It's about maximizing revenue. It's not about minimizing expenses. Minimizing expenses is a positive side effect of hiring the best people available for the job. The best people get the job done right, the first time, and most efficiently, especially when they are also working with best people (that "A" team thing).

Guy Katir
http://www.solikatir.com/Brand-New-SEO-Software.html

These websites will show you how to triple your sales and blow-up your bank accounts in as easy as 1-2-3.

Make Money Typing Online

Make money typing online, or fall for the type at home scam? Many people look for ways to make money online and if you have access to a computer, internet and have keyboard skills, then typing for money would seem like a good option. It's not easy to weed out the few type at home legitimate and ethical programs from those programs that are just out to make a quick buck off innocent people.

The thing is, there are actually legitimate type at home programs out there. It's just a matter of doing the right research and finding one that will make you money. It is also important that you choose a type at home program that offers a money back guarantee. Even if a program is legitimate you may still find that typing at home just isn't for you.

When you join a make money typing online program it is important to read all the instructions carefully. No matter what money-making opportunity you choose there will be a learning curve. Money won't just start rolling in straight away. There will be work involved but if you are willing to put the work in it is possible to make quite good money.

Legitimate online typing jobs can be done by anyone and it doesn't matter what experience, education or abilities you have. You don't even have to be a super fast typist as the typing usually just involves filling in forms rather than typing out large documents.

The internet is full of money making opportunities, but it is important to choose one that you can trust. Don't fall for a program promising that you can make $1000 a day within the next week or $100's an hour. Making money online is never quite that easy. Instead choose a simple make money typing online program. It won't make you rich, but if you choose a legitimate typing program you can be sure that you will earn some extra money for yourself and your family.

With Christmas coming maybe you are interested in finding out how to REALLY make money typing online.

I've tried Keyboarding 4 Cash (and I make some money with it!) - for more information (plus a 50% OFF coupon) visit http://www.typeathomereview.com

Affiliate Money Machine!

Welcome, Are you looking for the best way to make phenomenal money online?

Let Us Help You Find The Best Online Money Making Programs

Let's be Honest, there are a lot of sites out there that claim they can make you money online. Don't be fooled by all the HYPE, there are only a few products out there that we consider to be worthy of mentioning. Making Money online doesn't have to be difficult and can be easy and enjoyable. Are you a beginner with no Online Marketing Experience? Perhaps you've dabbled in the industry for a while but just haven't been able to make profits. We know that finding Online money making guides is difficult, but we're here to help. Below is the top Online money making guide!

The Affiliate Money Machine - Offers Genuine Money Making Opportunities!

The Affiliate Money Machine offers money making affiliate opportunities that are written with beginners and intermediate marketers in mind. Although the supplementary guides included in each of the packages cover all basics of Internet Marketing, the system offers methods for people who already understand how Internet Marketing Works. The focus is on techniques that will increase your online earnings up to 500%. We highly recommend anyone of these products.

I would like to start by saying that the sheer volume of bonuses and freebies you receive when you buy anyone of the packages, presented in Affiliate Money Machine, can be a little intimidating. In all there are 108 bonuses given away with each of the packages. These bonuses are a definite plus to the package helping the affiliate learn varies strategies in growing his/her business. Some of the bonuses are complete products in their own right, which sell at various prices through different marketers on the internet but here you get them free. At present one of the special bonus items is a free website that would normally cost $1,109.00. How they can continue to give such a free bonus away simply astounds me.

Enough of the bonuses, do the money packages that The Affiliate Money Machine promote deliver on their bold statements, after all the headline on the sales page claims you can earn thousands of dollars with less than an hours work each day and then its on auto-pilot. Each package definitely delivers although I would have to say that I currently have to do more than an hours work to achieve high levels of income. I admit this time has come down as some of the techniques for generating income streams now run on auto-pilot but then I like to keep an eye on things, perhaps this will change in time but for the time being I like a hands on approach. Of course the sales page is there to sell the product and it would be foolish of me not to mention that to achieve the high earnings, which are quoted, does require effort on the part of the purchaser. Do not expect that you are going to buy anyone of the products and the next day be earning hundreds of thousands of dollars. As with any small business venture there is a learning curve that has to be undertaken and once mastered has the possibility to earn you a substantial income for the rest of your life.

Definitely a Genuine Money Making Opportunity!

To review The Affiliate Money Machine go to: THE AFFILIATE MONEY MACHINE!

Making Money From Selling Advertising Space

If you would observe the company that delivers the daily paper to your doorstep for a business case study, you will come to learn that the newspaper publisher hires reporters, writers and other important staff to create the contents and deliver the papers to their readers.

In addition to the above mention, the publisher has to invest regularly in heavy duty machineries and tons of papers in printing tons of newspapers on a daily basis.

And in order to ensure that the newspapers are delivered on time, the publisher appoints agents at every part of the covered territory.

So, how does the newspaper company make money? It is obvious that selling a copy of the papers at less than a dollar would not even be able to even fund the operations.

The answer? Selling advertising spaces! You have definitely seen lots of advertisements in the newspaper. The publisher simply sells advertising space in the papers to advertisers who want to leverage their advertising efforts on the paper's high readership.

On the same analogy, you can make money the exact way from your newsletter: simply by selling advertising space to prospective advertisers!

If your mailing list size exceeds 1,000 (5,000 is recommended) subscribers and beyond, you can start selling advertising space for say, $10.00 per sponsor ad.

In this manner, you turn every issue you send out to your subscribers into a profit-pulling device. And since there is virtually no end to the stream of advertisers as products, services and businesses are cropping every single day in every industry imaginable, so are your money making opportunities.

Peter has an extensive knowledge of Internet Marketing and loves to write about it. He manges many campaigns on different levels as his articles states. The website he has develops is there to help anyone who needs it.

How To Make Money Being Online

OK, so you'd like to make money being online. Sounds a good idea, but is it really possible? Or will you spend more money trying to find out how to make money by being online?

There are some ways you can make money online.

Some sites pay you for completing surveys. So long as the site is reputable, you can make money by taking part in consumer surveys. It won't be much cash but you know before you take the survey how much you'll be paid and you're usually given an indication of how long it will take to complete.

You can set up a blog to talk about your favorite subjects. If you start getting traffic to your blog, you can monetize it by placing adverts on it, maybe using Google's Adsense service or creating links to related products and getting commission when someone makes a purchase.

Writing articles - such as this one - can be a good way to drive traffic to your blog. It will take a bit of time to do this, unless you pay someone else to write them for you, but when you write an interesting article it can send a lot of traffic to the site you're promoting. In turn, this can start making you some money.

Once you get the taste for making money on the internet, you can broaden out into other areas that pay commission. Look out for affiliate promotions that can earn you cash for either sending to a website or, more commonly, introducing people who go on to buy a product.

Find out more about how to make money being online. There are lots of ideas in this free report, available for instant download.

Should You Take Online Surveys For Money

What would you really be getting if you decide to try and take online surveys for money? Would you really get paid cash or would you just be giving out your email address to a company that will bombard you with spam? Will you really gain access to a great list of paid surveys companies or will the directory take your cash then give you access to a site packed with out of date links?

The fact is that all of the above can be true. There are companies that provide cash for online surveys but then again there are also those that simply want your email address to try and sell you there products. The same with paid surveys directories, some will offer you a list full of good survey companies willing to pay you cash and some will offer a list of out of date links and companies that they are only offering because they make a commission for sending you there ( these are usually the ones that spam you ).

Like anything else on the internet there is good and bad but if you can find the good then you can certainly take online surveys for money, the question once you've found a good site however is should you bother?

If you really want to make surveys work then they will. The only real effort is at the very beginning because if you really want to make money with surveys you need to sign up with as many companies that offer them as possible. I'm not talking one or two, or even 30 to 40 I'm talking about 100 plus companies. This is what it will take for you to make the most out of online surveys.

Once you've done the signing up though online surveys are easy and quick to take part in and virtually anyone can take part. There is no other way to make money on the internet that is as easy and takes as little time.

As long as you don't think you can take online surveys for money and become a millionaire and you use a good survey directory ( and put the list to use ) then online surveys are definitely something you should be doing to make some extra cash.

Adam Bradley is a paid surveys expert who currently runs Paid Surveys Scam For more tips, articles, reviews and information on paid surveys Click Here

5 Tips to Make Money Fast at Home Online

The internet provides a way to make money at home online. There are ways to make money fast or to build a business slow. All that is needed is a computer and an internet access. Now you need to find a legitimate way to make money.

The internet is full of empty promises on how to make money at home fast. The problem is that most of the promises of making thousands a week are scams. There are a few legitimate home businesses however, that will generate quick cash but will not make you rich. To make a large amount of wealth is very possible only this takes a while to build.

Here are a few tips on making money quickly online.

1. - Join an auction site such as, eBay, and sell old stuff you have laying around the house. It is a good way to clean the clutter out of the house and make some quick cash. May sure what you are offering is what people are looking for or you will lose money in auction fees and shipping.

2. - Join an online paid survey site; this is a great way to earn fast cash just for giving your opinion. It is also quite fun too. Just be careful that you do not get involved in a scam survey company.

3. - You could write articles and sell them to content sites. Unless you know how to write articles for the internet, this could have a long learning curve to it before you start making money.

4. - People are also making money online blogging. If you have been involved in blogging for a while you know how popular they are. There are companies that will pay you to post their advertisements on your blog. This is not an area that I am real familiar with, but I do know people that are making good money doing this.

5. - Many people advertise their services online. If you know data processing, freelance writing, computer technical skills or any specialized skills you are very marketable. Web designers are in demand all over the internet. Writing computer program codes are big money. Write a how-to e-book on one of your passions or skills and sell it online.

There are just so many ways to make money fast at home online. Your life experiences and skills determine how fast and how much. Or you can start out simple, like I did and take online paid surveys, until I figured out my way around the internet.

Find other ways to make money online at: Make Money with Make Money Online at Home Opportunities

Earn Money With Internet Marketing

Being able to earn a substantial income online is any internet marketers dream. In fact, the ultimate goal for many people is to quit their day jobs and be able to be an internet marketer full time. However, to many this dream seems unattainable, but there are several things you can do to get this dream on track and help you earn money with internet marketing.

If you want to earn money with internet marketing then you must find your niche. So what is a niche? A niche is a category of products like cars, health products, etc... As an internet marketer you want to take a broad niche like cars and make that niche smaller like ford cars. The more specific your niche becomes the more likely you are to create campaigns that generate lots of money. This is due to the fact that the niche is highly relevant. Someone is more likely to buy from you if you're advertising a highly relevant keyword or also known as the long tail keyword. You will not get as many clicks on your website, but you will receive high quality traffic specifically looking for your product.

So what tools can you use to find a quality niche? One of the best places to start when searching for a niche is EBay. Checking out what products are hot on EBay will give you a good idea of what people are already buying. This is a great tool when finding smaller niches as well. Another great place to look for niches is forums. Forums provide you instant feedback from people and what people are looking to buy. Also, don't forget those late night infomercials. Advertising infomercial products is great because your audience is ready to buy when they get to your website. As you can see there are several ways to earn money with internet marketing.

Using just one of the previously mentioned internet marketing styles will help you earn money with internet marketing. It also should be noted that all these internet marketing tactics take work. You will not get rich overnight like many of the gurus try to sell you. Just like anything in life, it takes a solid and steady commitment. Nobody seems to tell you that when they are selling you a product.

In conclusion, find your niche, a product to sell, and get started now! Getting started is the hardest part, but once you get past that barrier everything will fall into place if you work hard. Nothing beats the pleasure you feel once you start to earn money with internet marketing.

Are you ready to earn money online? Learn the newest internet marketing techniques and start earning money right away with the Honest Income Program.

Save Money With Solar Power Roof Vents

Moving fresh air through an attic is a important part of keeping a home mold fre and smelling fresh. There are many ways to accomplish the air movement. the most common is a heat activate roof vent. When the attic reaches a certain temperature the roof vents turn on and ventilate the attic. The only drawback to this system is that it requires power lines to be turn up to the attic and will increase your energy bill at the as well. Another great option is installing solar power roof vents. Solar power roof vents are energy efficient, environmentally friendly and require no wiring form the homes electrical system.

Solar power roof vents work exactly the same as the normal electric models and will move as much air. Opponents to solar vents claim that they wil not work as wel on cloudy days, but the temperature in our attic will more then likely be cooler on those days requiring less work from the fans. Another negative of solar power roof vents is the cost, they do cost considerably more then a standard electric roof vent but the energy savings will pay for them quickly in time. Plus with solar power roof vents you will eliminate the need for an expensive electrician to run the power wiring to the units.

When you purchase your roof vents you will need to know your homes square footage and get a properly sized unit. The average solar power roof vents will move around 800 cubic feet per minute and each geographic area will have different requirements based on climate. Your local solar dealer should be able to help you choose the right unit for your home.

Even with the higher initial cost solar power roof vents will save you money and energy in the long run. Just make sure to follow the manufactures installation instructions and buy a properly sized unit for your home.

Learn more about Solar Power For Homes and how it can benefit you.

How Millionaires Make Money From Real Estate

Intelligent use of real estate can enable ordinary people to become millionaires in about 10 years or less.

A lot of statisticians say that on average across the board, property has doubled on average every 7 to 10 years in the last 146 years in Australia, this has happened in many other countries also. This statistic depends on location, quality of property and the price you pay for it of course.

How you can use property to create wealth

For instance, Bill and Mary are earning $50,000 a year and they want to replace their income. I am going to suggest that just by buying two investment properties, they could achieve this. Let us look at how they can buy two investment properties for them to retire. $50,000 a year is approximately $35,000 per year after tax. So would you be committed to buying 2 properties in the next decade if you could retire from them?

In year 1 of the plan, we are going to buy one property. The properties I tend to buy are often around $300,000, which we will use for this strategy. The second year we do not buy any property and the third year we buy our second property. In ten years time, these properties could be worth $600,000. That is 10 years after you buy them. (Always make your plans conservative as it could take 10 years or longer.) I generally buy properties in capital cities because these properties will continue to grow.

If the property doubles in 10 years, this is $300,000 in extra money we have made over 10 years per property, i.e., $300,000 each, now worth $600,000. You have earned $300,000 from capital growth. Bill and Mary need $35,000 a year net to replace their current incomes. They are probably thinking if they buy the property, they have to work harder. If they buy and sell to make a profit, they generally have to pay capital gains tax. In this strategy, we are going to buy a good property and keep it ideally forever. It is worth $600,000. They need $35,000 net cash to replace their income. Where can they get that from?

What about a line of credit?

A line of credit allows us to draw equity/cash out of property by setting up a bank account from which to draw this down. They can draw out $35,000 in the first year, then do the same in year two and three.

In years 4, 5 and 6 they could take say $35,000 our of the second property. It is just sitting there so why not use it? If they do not use it, when they die, someone else gets it, so they might as well use the money they have made.

Six years after the first property is worth more than $600,000, being in a capital city, it may be worth $900,000 plus. That gives them another $300,000 sitting there available to use. They have not finished using the first $300,000 and now they have another $300,000 and the property keeps going up in value whether they like it or not. This means they have more than they need for retirement.

I have extracted this article from a book called "What I Didn't Learn At School But Wish I Had" by Jamie McIntyre, this book is filled with information and exeptional strategies on becoming wealthy. If you are interested in learning more about how to make money in real estate, investing in shares and business, please click here or visit http://www.howtoinvestinshares.com

Can You Really Make Money Online?

We have all heard that there are several ways by which you can make money online. But most of us are yet to make that precious $1 on the internet that will give us the motivation to proceed. But there are people who do make money.

It took me about 6 years to realize that making money on the internet is not tough at all. It is like a global market where the opportunities are endless. You can sell just about anything and make money.

There are so many businesses who want you to sell their wares and there are other methods too.

So let us look at the top three methods of making money online.

• A website: A website is the number one step to make money. It is virtually impossible to even step on to the World Wide Web marketplace without a website. There are several companies who can give you a free website, example Geocities. But these companies will use these sites to promote their content as well. So it is recommended that you generate your own website.

• Affiliate marketing: There are hundreds of affiliate programs out there that pay you a percentage for every lead or every sale that you give them. You need to draw quality traffic to your website and then insert these affiliate links in them. There are a lot of tricks to draw traffic as well. That leads to website promotion and SEO.

• Google AdSense: This relatively simple method of posting the ads which the users want to read has virtually revolutionized the World Wide Web. Almost anyone can make money now with Google AdSense. Quality content is a must because that is the only thing that will draw visitors to your website.

It might take some time but once you master these three tips, you will be minting money and giving instructions to others the way I am doing now.

For more info visit : Money Online

Making Money On The Internet - The All Important Start

It is estimated that more that more than 100 million people are trying to earn money on the internet today. The bad news is that more than 95% of those do not earn any money or just pennies...

So how do you get into the Top 5 percent?
You are never guaranteed success but you can definitely improve the odds of becoming successful.

Let us start by looking at what you should NOT do now. Do NOT join any business opportunity and do NOT invest in marketing ebooks, courses or seminars. Do NOT think you can earn a lot of money in no time and Do NOT get impatient.

Start by grabbing a piece of paper and a pen and then write down:

• 01. What kind of things you enjoy the most
• 02. What really excites you
• 03. What skills do you have
• 04. What skills do you like to learn
• 05. What would like to avoid or stop doing
• 06. What worries do you have

By learning more about yourself, you will be in a much stronger position when you decide the route you are going to take later. I recommend you choose a business based on things you enjoy and that have your interest. After having done the above you should now be able to pick some markets based on your interests. The next step is to identify the right market meaning a HOT market where people are willing to pay for your information, product or service.

Now go to Google (www.google.com) and search for the markets you picked previously, example: "dog training" and you see it brings up about 2,060,000 search results. As "dog training" is a very broad term you need to narrow it down further by locating a potential niche.

There are a number of tools you can use to identify your market such as Keyword Station (www.keywordstation.com), Yahoo! Search Marketing (searchmarketing.yahoo.com/overture.php) and Wordtracker (www.wordtracker.com).

You can now go to Yahoo! Search Marketing to find out the times your broad market term as well as your niche term was searches for (estimated monthly). You will see that people are looking for "dog training video", dog training basics" dog trainer" etc. etc.. The goal is to check if people are searching in this market for what you can provide. As you move forward you should drill further down.

If you examine the suggested search terms, look for words that indicate if people are actually looking to buy this kind of information, product or service. Words such as "buy", "training", "tips", "fix", "how to" indicate that people are willing to pay...

The next article will take you one step further...

Henrik Boyander is the CEO of
Solixta Better Business Network
http://www.solixta.com
>>> Research, compare, discuss, review and promote
>>>+1,000 Business opportunities.
>>>PS. New Members Receive $30.00 In Free Target Advertising<<<<

Can You Really Still Make Money On the Web?

So you've tried affiliate programs and surveys and everything you can think of under the sun. Well, don't loose hope yet. It's still possible. Making money online that is. You just need the right tools in your belt. If you have a website, there are a few things that are imperative to get the sales rolling in.

Create a mailing list! I cannot stress how important a mailing list is. It keeps you in contact with all your users and keeps them informed. With your auto responder you also have good ad space you can use when you send emails out.

Write your own newsletter. It is another awesome tool for keeping in touch with your site visitors and you can also offer them something of value within the letter. There's no limit to your choices. You could offer creative ideas that have to do with the content on your site, I personally don't know what that is, but you do, it's your site!

Well, if you don't already have a website, then you should make one. There are alot of free website builders out on the net, so start looking. It's not hard, and you can get your site up on the web for cheap, about 10 bucks for a whole year. Godaddy.com is a good one. With your site, you will be able to gain visitors trust and also be able to form a relationship with the customer or visitor. This makes it more likely that they will come back to the site, and buy, browse, etc.

Well, someone has to be getting rich off of affiliate programs. Get your buisness out there and create your own affiliate program. It's almost free advertising, depending what kind of commission you give. The point is to get traffic to your site and then follow up that traffic with emails and newsletters. One other tip is to develop a sales angle for your site, or product, or whatever you're trying to sell. Why is it the best, why do people want to buy from you and not others? What will you get at your site that you won't receive at other sites? Sales angle, get it?

Well, hopefully these tips will help you get on your way to becoming a better sales person and even raking in some extra cash. Find out about a product that helped me on my way here. beginnersguidetowealth.blogspot.com/

Thanks,
Garrett H
Phone: 609-402-2832
Email: telefender50@gmail.com

Ways To Make Money Online

There are many ways to make money online.

You can create a website that serves up Adsense ads.

You can put up Pay Per Click ads and refer prospects to a review page which then directs them to a merchant site.

You can capture the names of visitors to a website through an opt-in form and send them emails about your own product or products to which you have resale rights.

You can make money selling products in auctions like eBay. These can be physical products you have in your possession, digital products, or drop ship products.

You can offer a service other marketers need like web-hosting, autoresponders, website building, or copywriting.

And you can create a membership site, like an Internet Marketing School or a Resale Depot, to offer a constant service.

However, regardless of your choice of revenue models, there is a primary way to make money online. This primary way is to build a solid foundation.

If someone were to ask you about your Internet Marketing foundation, how would you answer? If you have to think about it, you need to think about this idea in depth. Without a foundation, you're building a house of cards. It will blow over with a breeze.

Strong foundations are important for everything in life. When you build anything, a family, an education, or a business, you want to have a strong foundation. This is almost an axiom for a brick-and-mortar business. The bank, the property owner, your partners, and any other interested parties want to know if you have a business plan. They want the security of knowing they are doing business with someone who has thought things through. If you don't have one you're considered wildly irresponsible. Chance are you will lose any support for your enterprise.

Unfortunately, on the internet, this concept appears to be as elusive as common sense. The ease with which a person can adopt a revenue model and the diverse options available make people leap from one idea to the next without much forethought.

Yet there is a price to pay for the swift inception of a new niche or a new marketing angle. It is a heavy price. Yet it often goes unnoticed. That price is the loss of focus.

Occasionally, you hear about focus when a guru attributes the value of focus as the root of their success or when you read on a forum about someone who has just lost their business.

Focus, however, is much more than paying attention to something and following through on an idea. It is something that only occurs when there is a foundation. Quite simply, without a foundation, focus dissipates like a dust storm. This happens because a thousand and one seductive options constantly bombard the online entrepreneur.

A foundation is a business plan. It is knowing the overall purpose and mission of your business. It is also knowing what to do from day to day. And because the internet is always evolving, it should be a plan that has flexibility. A foundation is like the theme of a novel or the plot of a play. Despite the multiple events that happen, a thread of consistency runs through them.

In summary, then, while there are many ways to make money online, you need to have an overall game plan that glues all the diverse elements of your revenue model or models together. Without this foundation, focus is lost, and with it the productivity you need to make an ongoing success of your business.

Saleem Rana, an Internet Marketer since 2004, shows you just how easy it can be to create a website and market it to the world. Using a special marketing dashboard, every step of the process is carefully explained. You can learn more here: http://theempoweredsoul.com/dashboard.html