Mind you, most boards and groups do not allow apparent advertising but they do not mind you to include a few lines in your signature on anything you want to promote. This can create traffic, exposure and clickthroughs for you. You can also include the signature in all your personal and business emails.

The other alternative to earn money online_6 is to write ads for your signature. But then your signature is already some type of a mini advertisement. By making it as enticing and powerful as possible and the readers find this so, they will reward you with click throughs.

You are free to use the following signatures or you may get your own. If they do not allow affiliate links, you can link to your review page.

CLICK HERE NOW to download the signature files!
Get FREE access to the biggest collection of PLR content I’ve ever seen…
==> ==> PLR Wholesaler

Find out my secret weapon for creating ebooks within hours…
==> My Secret Weapon for Creating ebooks

Online Marketers: Kick your business into overdrive by creating your own products within hours. I can show you how…
==> PLR Wholesaler

If you’re tired of spending months writing all of your own content I can show you a better way…
==> YOUR AFFILIATE LINK

You won’t believe this amazing source of free PLR content!
Check it out today…
==> PLR Wholesaler

Need a steady stream of content for your website, blog or newsletter?
Now you can get it for free! Check out PLRWholesaler…
==> PLR Wholesaler

The next step in the continuing saga of our journey to earn money online_6 is social bookmarking your affiliate link. This is one of the most effective tools to get traffic to your site and therefore to your affiliate link. One tool that will automatically social bookmark your affiliate link is http://onlywire.com.

Anytime you write an article or post an ad or anything else for that matter, you should try to submit it your favorite social bookmarking sites. Of course you have to sign up for them which is an easy thing to do and it is all for free. Any time you want to join anyone of them, just google the site and follow their instruction for becoming a member.

Here are the top 20 social bookmarking websites:

1. Twitter has 760,000 inbound links; 23,579,044 complete monthly visitors; and 13 Alexa ranking.

2. Digg has 383,598,000 inbound links; 33,433,760 complete monthly visitors; 11,4000,000 Quantcast monthly visitors; and 182 Alexa ranking.

3. Yahoo! Buzz has 20,031,000 inbound links; 8,119,906 complete monthly visitors; 3,600,000 Quantcast monthly visitors and I was unable to get the Alexa ranking.

4. Tweetmeme has 422,863 inbound links; 18,244,542 complete monthly visitors; 2,300,000 Quantcast monthly visitors; and 1,898 Alexa ranking.

5. StumbleUpon has 234,000,000 inbound links; 4,418,609 complete monthly visitors; 1,100,000 Quantcast monthly visitors; and 362 Alexa ranking.

6. Reddit.com has 161,685,000 inbound links; 4,908,990 complete monthly visitors; 1,300,000 Quantcast monthly visitors; and 441 Alexa ranking.

7. Technorati.com has 175,287,000 inbound links; 3,309,174 complete monthly visitors; 2,000,000 Quantcast monthly visitors; and 662 Alexa ranking.

8. Delicious has 427,665,000 inbound links; 1,623,083 complete monthly visitors; 317,000 Quantcast monthly visitors; and 2476 Alexa ranking.

9. Kaboodle.com has 2,600,000 inbound links; 3,941,212 complete monthly visitors; 2,500,000 Quantcast monthly visitors; and 1694 Alexa ranking.

10. Mixx.com has 16,005,000 inbound links; 879,108 complete monthly visitors; 2,200,000 Quantcast monthly visitors; and 645 Alexa ranking.

There are twenty top sites that I found but I am surprised not to find Facebook among them when it should be among the top ten Anyway, I am just reporting on the top ten and not the twenty because you could just get too busy and forget your very own business. You should not lose sight of the fact that although you give the best service, still you want to earn money online_6.

Of course you can also promote this in your blog which you can do for free at http://www.blogger.com and http://wordpress.com . Then I have some other tricks in my sleeves which I will tell you later. We are just lucky to have this product, the PLR Wholesaler, to promote and it has everything at our disposal.

Now check the statistics of your website as to which pages get the most view. I belong to the Site Build It group where I can easily get these statistics. I am very happy with this group because it has everything I need and it will not stop me in the middle to say I have used up all the space and have to buy more. With this group, I have everything I need and my sites can be seen 24/7.

Now make sure you put the following in relevant pages. For example I have two websites with SBI. One is on diabetes and the other is on debt into wealth. Guess where I can put the banners I will show you here. Of course not in my diabetes website.

Here are the codes that you are free to use. When you join PLRWholesaler, you will be given the codes with your affiliate link already built in and whenever someone joins, you will get paid a commission. You will copy this code into the HTML of your website. The first banner is the 120X60:

Banner 125×125

There are other banners that you can use that this guru is going to supply you so that you can earn money online_4. But this is not all. You can put your affiliate link in the thank you emails.

“Thank you” emails are the most read emails so this is the perfect opportunity for a backend sale. Whether you’re saying thanks for joining your newsletter or for buying a product, always include one of these short ads along with your affiliate link below.

Just put one of the following at the end of a thank you email. You can use any of the following:
ATTENTION BUSINESS OWNERS: Expand Your Business Or Start A New One With This Massive PLR Package. Find out how right here: http://plrwholesaler.com/download/clk.php?pid=2&a=46855

Create Your Own Virtual Empire With This Unbelievable Collection of FREE Private Label Rights Products. Find out how right here: http://plrwholesaler.com/download/clk.php?pid=2&a=46855

Finally, Everything You Need to Create Your Own Virtual Empire â?? Private Label Articles, Ebooks, Audios and More. Find out how right here: http://plrwholesaler.com/download/clk.php?pid=2&a=46855

Don’t Miss Out! Get This Amazing Collection of Private Label Rights Products For FREE. Find out how right here: http://plrwholesaler.com/download/clk.php?pid=2&a=46855

Introducing the LARGEST and MOST COMPLETE Collection of PLR Products and They’re All Yours For FREE!. Find out how right here: http://plrwholesaler.com/download/clk.php?pid=2&a=46855

Discover the Quickest and Easiest Way to Become an Author â?? Don’t Miss This Massive Collection of Free PLR Products . Find out how right here: http://plrwholesaler.com/download/clk.php?pid=2&a=46855

Stop Spending Countless Hours Slaving Over Creating Content. Discover This Unbelievable PLR Collection That’s Yours FREE! . Find out how right here: http://plrwholesaler.com/download/clk.php?pid=2&a=46855

Here’s an ad you can put at the bottom of your thank you page. He will give you the code with your affiliate link on it. There are others but I won’t put them all here:

Unadvertised Bonus
	Get your hands on Gabor Olah’s Lifetime Private Label Rights Membership. This is a $197 value and worth the price of this package alone. This package includes tons of private label articles, ebooks, software, header templates.
Click Here For Free Private Access

There you have the ways you can promote this product, PLRWholesaler, so you can earn some commission. As detailed above, you have everything you need to promote this in your website, in thank you emails and thank you pages. This is one way to earn money online_4.

Submit to these classified ads as often they show up in search engine results so you could get a lot of traffic from there. And the traffic is not just any kind but it is the targeted type. Sometimes affiliate links are not allowed but you can put a link to your review page.

The first one in the list is http://Craigslist.com
Affiliate link is not allowed here but you can put your url address down below the ad that you will write. This is the seventh most visited website in the wide world web with close to ten billion views per month.

Just like the first one on Craigslist, the following also does not cost you a cent. Post an ad on http://classifieds.myspace.com
When you advertise here, you are allowed to upload a graphic. If you don’t know how to do that, just let me know in my contact form and I will set up a tutorial page in my site at http://www.debtchallenges.com

You can also post an ad at http://classifieds.yahoo.com
Make sure you post there as Yahoo is the most visited internet site in the world wide web. Then there is the http://usfreeads.com
which Google loves. Affiliate links are allowed so this is another plus factor. The only thing is that gold membership costs $9.99 a year. You will be allowed a maximum of twenty-five ads but the gold membership will allow you to upgrade for unlimited posts at $6.99 a month instead of $14.95.

You can also go to http://eBay.com
where you can post an ad for $10 for a whole month but you can earn this back plus make more than twice your cost from the video that another guru sent me which I will try to make available for you. The largest market place in the web is eBay so you can be sure of getting something out of your posts.

This guru we are following is bent on having anyone of us succeed because if we do, then he earns something also in return so he gives such super affiliate tips like this one: offer a freebie with purchase. Tell them that if they buy or join, you will give them free consultation or a free ebook. Here are also some of the ads you can post all ready for you:

***Create Your Own Info Products In Hours – Instead of Months!
Imagine if you could have a new product ready to sell within a few hours instead of slaving away for weeks. Well, now you can! Join PLRWholesaler and get thousands of pieces of content that you can use as your own. Find out more at…
==> http://plrwholesaler.com/download/clk.php?pid=2&a=46855

***Are You Still Struggling to Make A Dime Online?
Too many online marketers spend months or even years spinning their wheels. What they don’t understand is that you MUST have a steady stream of content if you want your business to succeed. Discover the easiest way to get free content that you can use as your own…
==> http://plrwholesaler.com/download/clk.php?pid=2&a=46855

***Struggling to Find Content For Your Website, Newsletter and Blog?
It doesn’t have to be difficult! With PLRWholesaler you get free access to articles, audios, ebooks and more that you can use as your own. Sell them, give them away, combine them, split them up. It’s entirely up to you! And remember, it’s all yours for free. Get started now…
==> http://plrwholesaler.com/download/clk.php?pid=2&a=46855

***Create Your Own Content Empire, Without Writing a Word Yourself
Do you know what all of the most successful online marketers have in common? They all sell their own products. Now you can have your own product line even if you’re not a strong writer. Learn how…
==> http://plrwholesaler.com/download/clk.php?pid=2&a=46855

Isn’t that nice of him to provide us with the ads? All we have to do after we open an account to the aforementioned classified ads sites is copy one of the ads and paste it on the appropriate place on the template they will provide you. If you have problem with this, just shoot me a question in my contact form. You go ahead and practice doing that until you get comfortable. Then you will be all set to earn money online_5.

Writing a full review also gets the full attention of the visitors because there are details there that you like about the product: the benefits, features, graphics, personal experiences and anything else that is relevant. This will warm-up the visitor before sending him to the website for the sales pitch.

What is important is to optimize the keywords you will use with the help of this keyword tool at http://www.wordtracker.com/academy/keyword-research-guide
Then link this from different areas of the website. Maybe you can put a graphic and a bit of info on the homepage. You might earn money online_3 this way.

Then give your readers the option of either going directly to the sales page or read more information. Recommend this PLR Wholesaler to others through emails or on message boards if this is allowed. Be careful here because people using the message board do not like sales pitches; they want your opinion though.

Here is a sample review you’re free to use. Feel free to post it on your blog too.

I’ve been doing a lot of reading lately about Private Label Rights (PLR) content. I used to think that it was only for lazy people who didn’t want to do their own writing. But as I learn more, I’ve come up with lots of great ways I can use PLR in my own business and I was able to earn money online_3 that way.

If you don’t know what I’m talking about, PLR is content that you get from the original author along with their permission to use it as your own. So you can get a great report, put your name on it and have your own product to sell or give away! If there is anything more simple than that to earn money online_3, let me know.

The first couple of products I created using PLR only took me about half an hour. There have been a few sales so far from them so that was definitely time well spent. It is wise to point out at this point that with PLR or private label rights, you can change or improve them as you wish.

When searching for PLR content to use, I found there were a lot of different types of sites available. Some offered monthly memberships and others offered just one time purchases. So be sure to look around before you decide where to buy.

The site I found that was by far the best was PLRWholesaler. Not only do they have an unbelievable amount of content, but it’s completely FREE. Most sites charge an arm and a leg for the amount of content that this guy is giving away. And although I haven’t been through everything yet, what I have read is very good quality. It’s stuff you would actually want to use as your own.

Since it’s free, I highly recommend that you check out PLRWholesaler and see if they have anything that you can use in your business. There just may be an ebook or audio recording that you could quickly brand with your information and start selling to your list. Check it out and let me know what you think. It’s at http://plrwholesaler.com/download/clk.php?pid=2&a=46855
This way you sure can earn money online_3.

The presence of these online job scams, unfortunately, makes finding the real jobs rather hard. This is because scammers have defined more sophisticated schemes to make their phony online jobs appear legitimate. And usually, you only find that out come payment time. So how do you avoid such working online scams? How can you tell an online job is genuine or is a mere scam?

Here are some of the warning signs of online job scams. If you spot any of them in your potential job, trash it. You might be looking at a scam.

• 1. If they’re charging fees for more job and company information, start-up kit, training, software, or hiring you, it is probably a scam. They are not supposed to ask money from you; it should be the other way around.
• 2. If they keep saying they are legitimate yet you don’t get info on the job, be careful they may just be out to get your money.
• 3. If they promise quick cash, forget it, there is no such thing as get rich quick. The truth is that there is no job that can promise you fast financial success. It takes time and effort. Such claims are typical to scams.
• 4. If they say you don’t need any skill or experience at all, then move away because jobs need qualified people. If they promise that there is very little effort involved then it could be a scam. A legitimate employer wouldn’t entrust an important job to unreliable people. It would be a waste of their money.
• 5. If the job offer comes from an unsolicited email it is most often a scam. Coming from an unsolicited email message, in itself, is quite suspicious.
• 6. If the website is questionable, beware. A reputable company will provide contact details in their website. Its absence is suspicious. If it also tells less about the company history, nature, and what it stands for, be careful.

What Do You Have to Do?
The rule of thumb when looking for legitimate online jobs is to do a thorough research. If you find a company rather dubious, look it up in the web by typing the company name and the word “scam” in the search box. The search results can tell you whether a company is reputable.

You can also contact the employer. Ask for important details about the job such as the salary, mode of payment, and other job details not mentioned in the ad post. If the response is somewhat shady, you may want to skip that job out. An employer can tell all the job details upfront if it is legitimate.

To make sure the job is legitimate, ask for references. It should include the company’s employees and contractors. Inquire from them how it is working for the company. Their responses should help you determine whether a job is a scam. Remember, you need to be very careful and decisive when taking on a potential job, as working online scams are growing in number.

]]> http://homebusinesssteps.com/2009/working-online-scams-how-to-spot-them/feed/ http://homebusinesssteps.com/2009/earn-money-online_2-loading-emails-to-your-auto-responder/ http://homebusinesssteps.com/2009/earn-money-online_2-loading-emails-to-your-auto-responder/#comments Tue, 15 Sep 2009 22:55:44 +0000 randeg http://homebusinesssteps.com/?p=184 Earn money online_2 has for its Step 2 as loading permanently the email I gave you at the previous post to your auto responder sequences. I know what you’re saying. Why should I have an auto responder when I can’t even get started yet? Believe me that was one of the mistakes I made when I started my online business.

Remember what I told you before that to succeed online you have to have three things going: a domain name, a host provider for your website and an auto responder. I tried it the bum marketing way, but it did not really make me earn money online_2.

Let us take these three things one at a time. Doing so will make it easier to learn. For the domain name, you will have to search for what is in demand and where you have a passion for. You can do this by checking out what’s hot at Clickbank, Amazon like the display of games below and Google. You can also use this keyword tool.

For the domain name you will have to choose the keywords around which you will write your pages. Try not to choose keywords with supply of over 1000. The lower the supply, the better it is. And don’t choose keywords with a demand below 150. In this case the higher the demand the better it is. The larger the difference between supply and demand the better it is.

When you select your keywords see KeywordToolExternal how they are paying out If you see $2.00, it means that is what an advertiser is paying Google to be in one of the top 3 positions. You will get a portion of that. So if you see a word is showing .30, don’t even bother. I try to stay over $1.00….the more the better. This will help you earn money online_2

Write your pages with competitive keywords, but then link them to many other pages in your website that have almost zero competition. These are keywords containing 3-4 words. Write your pages with competitive keywords, but then link to many T3 that have almost zero competition.

Once you have chosen your topic, I can help you with keywords that are sorted by supply. Start writing articles on the keywords with the lowest supply and with demand of more than 500. Think of it this way. If you have 100 pages with almost zero competition and every page brings you one visitor per day. This is 100 visitors more. This approach could pull some people’s sites to more than 1000 visitors.

And now you are ready to pick your domain name at Domain Sale! $7.49 .com at GoDaddy, a host for your website, and an autoresponder at http://aweber.com/?315833

You can get the web form from your auto responder which in my case, I use the aforementioned aweber and. It costs $19 a month but I use it because they’re the best in the business. But you could get a free month of trial just to see if it is going to work out for you.

There is another alternative which is this: http://www.getresponse.com/index/randeg It is a bit cheaper but also works well. You may even get a free service although it will be limited. Anyway, you really need an auto responder and these two are both very good.

Now as we said before you can load the email I gave you to the auto responder. I have other emails that you can load as well. Just ask me for them and I will feature them here. Those will be permanently there. Each time someone signs up to your list, they will automatically receive these emails at intervals of your choice.

If they join up through these emails, you will earn commission and you don’t have to do anything more unless you want to add more things to your auto responder. Those who join will learn about PLRWholesaler. It is an easy way for you to make sales without doing extra work. This way you will earn money online_2.

]]> http://homebusinesssteps.com/2009/earn-money-online_2-loading-emails-to-your-auto-responder/feed/ http://homebusinesssteps.com/2009/earn-money-online_1-easy-tips-and-more-to-use-plrs/ http://homebusinesssteps.com/2009/earn-money-online_1-easy-tips-and-more-to-use-plrs/#comments Fri, 28 Aug 2009 15:31:30 +0000 randeg http://homebusinesssteps.com/?p=181 Earn money online_1 has some tips for you. Tip #1 is something like a promise. First is to look for a topic that a lot of people are interested in. Then think of what solution the promise can deliver to these people to solve their problem. Make the biggest best promise that can be delivered in a mini course. Ask them to sign up by filling in their first name and email address.

Tip #2 will make you cry, cry of relief that is. Why? Because it will eliminate the fear of writing a five-day mini course. There are hundreds of articles in the web. You can look for them in the web and use any of them with their permission of course. You don’t even need to ask permission at http://www.ezinearticles.com as long as you include the resource box. And it won’t cost you a cent.

You will like this guru’s Tip #3 for he recommends to give yourself plenty of chances to earn money. Put a lot of your affiliate links there. Affiliate links? There I go again. You may be able to get affiliate links but it is better with a website of your own. Get it from Domain Sale! $7.49 .com at GoDaddy This is once-a year payment so that is not so bad. Later I will show you where to get those affiliate links after we finish all the steps. Just remind me, okay?




But remember what I told you before. To be wildly successful, you will need three essential things: a domain name at Domain Sale! $7.49 .com at GoDaddy, a host for your website, and an autoresponder at http://aweber.com/?315833

As for the affiliates, I am presently taking a one-year course on this very topic that I am paying good money for. Don’t worry, I will share with you what I learn. I am not learning much because I know most of what is being taught. Now let us go back to following the journey of this guru that gave him thousands of subscribers by offering a mini-course. Let’s recap:

The Promise

The content of your mini-course that you will get from the web.

Put as many chances as you can to earn you some money

And now we are in Tip#4. It is simply like a cliff hanger on TV or movies where they build the audience anticipation to want to know what happens next. Always end each lesson with a cliff hanger that will make them want to go to the next lesson.

The last Tip #5 is to make certain to tell them what they do not know. Tell them that the mini-course is just a small portion, really just a small piece of the whole puzzle on what they have to learn to do or what needs to be done to earn money online_1.

After all those tips, let’s go back to step 1 where we were asked to send solo mailings to earn money online_1. Here’s a sample of a solo mailing. You could put in as the title: A Special FREE Gift For FIRSTNAME… (Note, if you have an auto responder, it will automatically put in the first name of the person you are sending the mail to.)

Hi FIRSTNAME,

I’ve got a very unique GIFT for you…

This is not the typical trash you often see online - this has serious value.

It’s a lifetime membership to an excellent private label rights site.

And best of all it won’t cost you a dime!

PLR Wholesaler

Why would you want this membership?

It’s chock full of resources to make you money fast.

Here is what you’ll be getting…

* Exclusive, Unique Software Available Nowhere Else!

* More Than 56 eBooks w/Private Label Rights!

* More Than 9800 Articles w/Private Label Rights!

* Video Courses w/Private Label Rights!

* Audio Articles w/Private Label Rights!

* And so much more…

But it’s only available to you RIGHT NOW as a subscriber of mine.

So if you want this exclusive membership as a GIFT from me then please
zip over to this site now and claim yours…
PLR Wholesaler
Memberships are strictly limited and will be granted on a first
come - first served basis, which means if you don’t join now
you’ll probably be too late and get locked out, so… get moving!

Enjoy,
Evelyn Guzman

See what I mean. this is just a sample and I have plenty more. Just let me know if you want more samples. Otherwise, next time we will just go ahead to Steps 2 and 3. Then later on, you will find that this is one way to earn money online_1.

]]> http://homebusinesssteps.com/2009/earn-money-online_1-easy-tips-and-more-to-use-plrs/feed/ http://homebusinesssteps.com/2009/earn-money-online-don%e2%80%99t-wish-you-knew-for-now-you-have-a-clue/ http://homebusinesssteps.com/2009/earn-money-online-don%e2%80%99t-wish-you-knew-for-now-you-have-a-clue/#comments Thu, 20 Aug 2009 16:01:14 +0000 randeg http://homebusinesssteps.com/?p=170 Earn money online is another series that I am starting for the benefit of all newbies out there. I got this from a marketing guru but I have some questions regarding this. I have to say though that the content on his materials are really good.

The title of this is How To Make Money in 24 Hours. This is my first question because I do not know of anyone who has made money in 24 hours. Perhaps if you have a big list, you could do that. Or maybe you could just earn a little bit of pocket money. We shall see though; try it, for who knows? One of you may get lucky and earn money online.

His Step One goes like this. It says send a solo mailing to your list. Do you see what I mean? How can one send solo mailings to the list if there is no list? This just drives home the point to make sure that in everything you do, make it count and geared to creating a list. How do you do that? Well, let me count the ways.

One way is through getting a web form from your auto responder which in my case is aweber and if you like you can get it here: http://aweber.com/?315833 It costs $19 a month but I use it because they’re the best in the business. But you could get a free month of trial just to see if it is going to work out for you.

Here is another alternative which is this: http://www.getresponse.com/index/randeg It is a bit cheaper but also works well. You may even get a free service although it will be limited. Anyway, you really need an auto responder and these two are both very good.

Anyway, to get into business online successfully, there are three essential things one should have: a domain name, a host provider for your website and an auto responder. Believe me, I tried it the bum marketing way, but each time, you end up in a corner and not really earn money online.

You will still make pocket money without those three but not as much as if you had those three essentials. And certainly you will not have to work too hard. Unless you are like me who loves to teach and share with others what I learn. Then you will not mind working too hard.

Another way to build your list is through this site: http://www.listinferno.com (If not clickable, copy and paste onto your browser. I don’t know why it is not clickable here because it worked in my other site.) They will advertise your site and you will get names for your list that way. They say there will be thousands of 100% opt-in leads for your list from thousand of websites across the globe and all is 100% free.

This site has not been long in the business or may not be doing well so I did not try it http://www.optinboom.com/index.php?sponsor=6750 It claims it can give you thousands of opt ins a day and some top gurus have something good to say about it.

Here’s another way that a marketing guru used to build thousands of subscribers. He created a mini course and used five tips to send in simple emails which he loaded into his auto responder. It turned out to be the best thing he could do to build a list. Let us follow his journey to see how he did it. Oops, we are at the end of the line. Let’s continue on next time, shall we? Then we can try to earn money online.

]]> http://homebusinesssteps.com/2009/earn-money-online-don%e2%80%99t-wish-you-knew-for-now-you-have-a-clue/feed/ http://homebusinesssteps.com/2009/tips-you-can-follow-today-for-a-richer-tomorrow/ http://homebusinesssteps.com/2009/tips-you-can-follow-today-for-a-richer-tomorrow/#comments Sat, 15 Aug 2009 21:35:56 +0000 randeg http://homebusinesssteps.com/?p=165 Tips, what are they good for? People can benefit a lot from the ways to manage their finances. So it is therefore important to keep track of tips that will help one look after his financial health. More often people know of these tips already but reminders will help. Pick ones that pertain to you. We will therefore showcase some at least once a week and more often if possible. If you want more of these, just sign up at the top of the home page and you will receive more every week.

Latest Tip

9. They Give a Quote of Unusually Low Monthly Payment (Number 9 Money Tip Sign to Avoid for 2010)

Two things to remember here to see why giving you an unusually low monthly payment that will make you suspect this is a dead giveaway are here:

• Other companies have given you a much higher monthly payment.
• Your balance is substantial in the vicinity of $30,000.00.

Be wary also of companies that use serving associates. These advertise on TV, in the internet and on the phone. What they do when they are successful at reeling you in is to sell your data to other companies. This is why we have to be very careful in the choice of companies we deal with.

8. Don’t Sign With a Company When They Quote Payoff Times of a Certain Number of Years or Months (Number 8 Money Tip Sign to Avoid for 2010)


If the payoff time of a certain number of years or months does not come with the payoff time for each creditor, then something may be amiss. Make sure that you will get the individual quotes of payoff times for each of your creditors. When you have six creditors with six different interest rates and six different balances, then obviously, the quote that states a certain number of names and months comes from a sales script that a telemarketer is reading to you.

No professional debt management person can give you such a forecast unless backed up by a detailed calculation shown on a spreadsheet or a sheet of paper. This way you can do some checking up to see if their calculation makes sense. The Payoff Calculator will help you with this.

Here’s another tip, this time on how to beat foreclosure. Do you know what some people do? They stay in their homes for years by repeatedly filing for bankruptcy. Some say this is an abuse of the system but what can parents do if there are children involved?

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7. They Quote Interest Rates Lumped Between 0% and 10% Instead of individually for each Creditor (Number 7 Money Tip Sign to Avoid for 2010 with a Company Who Does This)


They give you an interest quotation of from 0% to 10% instead of individual interest rate for each creditor. When they start negotiation with the different creditors, not all of them will offer the same rate, Just the same, though you will want to know what each creditor will charge you for the interest rate.

They will even offer you an award in the form of some cash. This may only divert you from what you really need to pay attention to. Sometimes the supposed cash back award may cover up the higher interest rate you may have to pay.

6. They Advise You to Include Your IRS Debts (Number 6 Money Tip Sign to Avoid for 2010)

Your debt to the IRS should be handled separately in the consolidation process from all your other accounts. So don’t believe any promises that this problem of yours will evaporate into thin air. There is a proper source that can handle this and it is the Internal Revenue Services. So if you hear someone promising you that it can be solved just like that, ask IRS to make sure if it is true.

5. They Advise You To Include Accounts That Are Already Low (Number 5 Money Tip Sign to Avoid for 2010)

Some will have the nerve to advise you to include your student loans in your consolidation. Student loans have already low rates. Why would you have to do this when the student loans already have low interest rates? Duh, that’s a no brainer. For student loans that you may need help on, check this out at
http://www.debtchallenges.com/collegeloandebt.html
.

They Require You Call Back to See If You Are Approved (Number 4 Money Tip Sign to Avoid for 2010)

There are no such things as requirements for approval for your debt to be consolidated. The only thing to determine is whether the creditors will offer terms that are better for you and also whether you can pay the amount that is required.

Also, if they do not try to find out if you need to have an account out of the program before you begin with them, then fire them and try another company. Who knows, you may need something to fall back on if things do not go as well as you anticipated.

They Require Your Account Numbers (Number 3 Money Tip Sign to Avoid for 2010)

They want you to give them your account numbers before giving you a quote. You should not give them your account numbers as these are not necessary for them to give you a quote. All they need are the creditors’ names, the interest rates and the balances.

They may also offer you a lot of services like credit repair and help with the IRS. Do not fall for these jack of all trades for debt consolidation needs a lot of work and branching out to others could spell trouble. It means the company may have some internal problems.

Help! They Require You to Close All Your Accounts (Number 2 Money Tip Sign to Avoid for 2010)

They insist that they keep the first payment as a set-up fee. Thank goodness, there are now changes in policies that make this no longer reasonable. They also may want you to close all your accounts. So please study the contract carefully.

Help! There are Sharks in the Ocean! (Number 1 Money Tip Sign to Avoid for 2010)

Due to so much demand for help on debt management, unscrupulous companies have sprouted all over the world. Those who have asked for debt help are exploited by some companies to the point their credit is damaged more than it really is. To be careful is the order of the day. Here are some signs of companies you should avoid:

1. They do not offer a guarantee. There are trustworthy companies that offer a guarantee. Some unscrupulous ones require you to pay them by cashier checks or money order or they may get you to let them debit your account right away. Be very careful with these companies as you should not be required to pay until you are already in the program.

How to Reduce Fees You Pay to the Bank Tip#2

Here’s another way to reduce the bank fees:

Account Maintenance Fees - For just keeping your checking and savings account open, the bank could charge you for as much as $12.00 a month. What to do? Call the bank if you see some strange charges that you did not make and were not there last month. Know the terms of your account and try to find the bank that is right for you.

Today is the last day to sign up at the top of the page for alerts and tips on how to reduce the bank fees to receive them all at once. Otherwise you will get them one week or so at a time.

How to Reduce Fees You Pay to the Bank Tip#1

There are small banking fees that could cost you quite a bit if you are not careful. In the following weeks, we will let you know how to avoid some of them. You probably were not even aware of them.

Transfer Fees - Do you have linked accounts? When you move money around between linked accounts, some banks now charge $3 or $5 for each transfer that you make online. Try to make only one transfer a month or redirect a direct deposit.

Debt Collection Rules

Here are the rules for debt collectors according to the Fair Collection Practices Act:

• Collectors can only call 8am to 9 p.m., in your time zone.
• They cannot harass by calling repeatedly.
• Collectors cannot use obscene, profane or abusive language.
• They cannot threaten violence for failure to pay.
• Collectors cannot call you at work if they know your employer does not allow it.
• You have a right to dispute the debt within 30 days of written notification.

Should You Walk Away From Your Home?

Let us take an example of the couple who bought their house in the middle of 2006 for $240,000.00. They put a 5% down payment and obtained a 30-year fixed mortgage at 6 3/4%. They pay annual taxes of $3500 and $2500 for insuring the property.

The market went south and their home is now worth $137,500. Altogether they have made 41 monthly payments of $1976.00 and still owe $219,000 in principal. If they walk away, they could rent a similar home for $1100, thus saving $80,000 if they stayed in their home for eight years. They will make more money if they put the savings in an investment account.

Here’s the problem. In Florida, there is a law that allows the lenders five years to pursue a deficiency judgment and they could be forced to pay the difference between the loan and the foreclosure price. This has not been common these days though because of the rampant foreclosures. But their credit rating could get hit as well.

If the couple decides to stay, it will take them 15 years to get back their equity at 4% appreciation. In addition they will lose $630 a month or $113,400 over 15 years which is the difference between the monthly mortgage and rental payments. Rents could rise but then they won’t have to spend thousands for maintenance of the home.

So should they walk out of their home? Is saving $100,000 worth the risk on their credit score and the chance they would have to face the deficiency judgment? You be the judge of this and let us know via the contact form what you think of this.

Find Help With College Cost

Parents should make use of every chance to help with the college cost. Cost for college including books, tuition and fees go up every year. It makes sense to try to secure every help so that whatever money saved can be used to start up a business to go from debt into wealth. I am writing an ebook with links like this example: Those who qualify may be able to get grants for as much as $4000 every year to pay the bills. Find out if you qualify at http://www.ed.gov/about/offices/list/ocfo/grants/sites.html So sign up at the top of the page so you can get these tips.

Don’t Close Debt and Credit Cards with Good History

Since when have debt and credit cards been with good history? They are with good standing history if payments have been made on time, the credit history has been long and the ratio between the credit limit and the balance is low. Now why are you not supposed to close these good guys?

Because closing them will impact your credit history. Your credit score could go down and you know what that means. Your interest rate will go up and when time comes you will need to borrow some money, it will cost you more. Remember before we can invest to be wealthy, we have to pay off the debt.

Parents Can Find Some Debt Relief With $2,500 Tuition Credit

Parents who pay for their children’s college tuition fee can find a maximum of $2500 through a tuition tax credit. This is part of President Obama’s stimulus bill which is called higher-education tax credit. There is no additional paper work required. The only thing is that the students have to file their income tax return on time. See this resource for more information: http://www.irs.gov/newsroom/article/0,,id=205674,00.html Perhaps when we get help we will get debt-free sooner and be ready to start a home based business.

Deferment, Forbearance or Default?

When you find yourself with a $120,000 college degree, with no job and the six-month grace period is over, what do you do? There are options like deferment and forbearance. Check it out here at http://studentaid.ed.gov/PORTALSWebApp/students/english/difficulty.jsp Copy and paste that onto your web browser. How about default on the loan? Don’t even think of this for although the deferment and forbearance have some repercussions, nothing as damaging as paying late and defaulting on the loan.

Congressional Proposals That Could Lighten the Financial Burden


It is a great thing that finally there are congressional proposals that will help those who have a pre-existing condition. These proposals will take away the ability of the insurance company to deny coverage to those who have a pre-existing condition or drop them for a medical history that has not been disclosed. There may also be a cap on the maximum cost that a patient or a family will incur. This will lighten the financial burden.

Lessons Learned on Credit Card Debt


Here are the lessons someone emailed me about what he learned:

• Don’t sign up for credit cards just because of the gimmicks, like a free t-shirt or trip.
• Charge only what I can pay off in full when the statement arrives.
• Purchasing things just to impress someone is a big no-no.
• Debt will keep growing unless you do something about it.
• The only way to be free is to be out of debt.

Having Problems Getting on to the Next Stage of Your Life?


Find out what is it you want in your life, visualize it and say “yes” to whatever it takes to get there. Find what action steps you need to do to take you there. If it is getting out of debt that you want to happen, then do it. There are a lot of resources available. Find out the steps to getting out of debt and do them. If you find they are difficult to follow, get help. Your body knows when life gets too difficult to handle. Listen to it and keep looking for help until you find the one that suits you.

Even Those Insured Can Go in Debt With Serious Illness


It’s unbelievable but true that having a health insurance will not make one not go into debt. Why? Because there is a difference between the actual cost of treatment and what insurance covers. That is why those with medical problems that are life threatening and chronic go into hole so deep it is impossible to escape.

Thank goodness there are now measures in the legislature dealing with this problem like:

• Insurers will be required to offer benefits that meet quality standards with less coverage gaps.
• There will be caps on out-of-pocket costs for patients.
• Insurers will be stopped from refusing coverage of pre-existing condition.

I will be so glad when a legislation like that passes for then there will be less chance of us going into medical debt. Then we can concentrate on getting wealthy through investments or a home based business.

So try to sign up for more alert and tips so you can get them every week as those which I send to my subscribers may not land in this web page. Sign up down below:

Debt Consolidation or Debt Settlement?


We have to continue to face the music no matter how unpleasant it is because to get into wealth, we will have to get out of debt first if we want to do some investment or go into business. So when you feel a headache coming and you feel lethargic and agitated thinking of how to get out of debt, don’t forget to do the good stuff.

Don’t forget to eat healthy, exercise and have some social activities with friends. When you are exhausted though and feeling tired, get rested before going on the next flurry of activities. You will then be better prepared to deal with the debt.

When asked if it is good to use a debt settlement company to settle the debt for a lower amount, an expert said it is better to do the debt consolidation route as it will make things more manageable with one monthly payment. As soon as this is paid, one can work on building one’s credit.

The debt settlement damages the credit history of the debtor. Not only that, you will have to pay federal taxes on the amount that has been reduced. Just remember that this will not take a day or two to solve the problem. It will take sometime until you finish paying it off. With discipline and determination, you will get there.

Say :Yes” to the Action Steps!


Having trouble getting on to the next stage of your life? Visualize what is it you want in your life and say “yes” to the action steps that will take you there. Is it getting out of debt that you want to happen? Then find out how to do it and take the steps. If you find it too hard, get help. Our body knows when life gets too hard to handle but there is always help around. Keep looking for help until you find the right fit

What is holding you back?


Having trouble getting on to the next stage of your life? Visualize what is it you want in your life and say “yes” to the action steps that will take you there. Is it getting out of debt that you want to happen? Then find out how to do it and take the steps. If you find it too hard, get help. Our body knows when life gets too hard to handle but there is always help around. Keep looking for help until you find the right fit

Could it be your beliefs, past actions and debts that are accumulating faster than I can say debt collector? Are you stuck and can’t go forward to have a home-based business because of overspending? Find out what is triggering the over spending. Is it your job that pays high but makes you overspend? Or is there a deep-seated psychological reason behind it all? Whatever it is, face it and determine what you have to do and then do it.

Can Debt Make You Sick?

According to a poll, eight out of ten Americans have been hit by the economic crisis. In this case, the credit score can go down and with it the health as well. It’s no wonder for financial health offers security and with that threatened, so is the ability to face other issues. This can make anyone feel physically sick. Fortunately, there are possible solutions.

So how can you keep your health during this tough economic scenario? Well, just thinking about it will just make it worse. Let’s follow the “mind over matter” thinking so we will not let the debt take over our life. There are some strategies we can follow and I will give you the first one today and the others hopefully next week. Ready?

Look back to see what happened. How did we end up in this situation? Could we have done something to avoid this? What is the cause of this? Do we have some behaviors that we need to change so we can avoid similar things from happening again? Stepping back this way will empower us to face the challenges. Next week, I will let you know the other two strategies. Knowing the cause will lead us to get help from reliable people.

Here Are Two Questions about Debt Collectors

How can I stop a debt collector from contacting me?
You can tell the debt collector to stop contacting you by writing him a letter.

Can a debt collector contact you any place or time?
A debt collector cannot contact you any time or place that is inconvenient to you. He cannot call you before 8:00 am in the morning or in the evening after 9:00 pm.

Do you want to know what happened to the debt collector company that filed collection suits against debtors for debts that were beyond the statute of limitation and so have expired? Well, the consumers filed a class action suit against this company and now the plaintiffs’ lawyers have announced that the company has made a settlement for $150,000. Yay, one point for the good guys! Now do you want to know if your debts have expired? Just sign up at the top of the home page and you will receive more tips every week and two or three of those weeks will be on statute of limitation or sign up down below:

Sometimes I can’t wait to tell you something important. For example I have been sending tips on the statute of limitation of debts. Did you know that once your debt has expired, you are not obligated to pay for it? Sure enough, a firm was fined for trying to collect a debt that has expired and even sued people for not paying up. So these people got themselves a class action suit and won!

]]> http://homebusinesssteps.com/2009/tips-you-can-follow-today-for-a-richer-tomorrow/feed/ http://homebusinesssteps.com/2009/make-money-online_15-with-twitter/ http://homebusinesssteps.com/2009/make-money-online_15-with-twitter/#comments Tue, 04 Aug 2009 17:29:27 +0000 randeg http://homebusinesssteps.com/?p=159 Make money online_15 with twitter.com is possible for it is an amazing tool that can be used both for personal and business purposes. As for personal branding, should you use your real name or a personal brand name? It depends on what you are trying to do. In my case for the diabetics I want to help, my user name is diabeteshelp. For those I help with their debt, my user name is debtchallenger.

What really matters most is you use the same name where you want to build your brand. So when I post a comment on a news item about debt, I use debtchallenger in my signature. And I use diabeteshelp when I am posting on any diabetes news without thinking to make money online_15. Sorry I thought I was done with twitter.com but someone posted a comment that she wanted another article on it.

Another important thing to remember in dealing with twitter.com is to take action on a lot of things people want and respect. In my case, I write a lot of content to help the followers deal with whatever is troubling them. And I do this without expecting anything in return or to make money online_15. In other cases, they can work together to achieve a common goal like below.



Now how do we follow and get followers? To get followers, make your twitter profile really good and send traffic to that profile. It is not so important how much, what and when you tweet at twitter.com as that profile. Some ways to drive traffic to the profile and get followers are:

• Use a banner ad to link it to your profile.
• Have a contest via your twitter profile.
• Include links to your profile in your signature.
• Connect your websites and blogs to your twitter profile.
• Request another user to recommend your profile and do the same for him.

Sometimes it gets out of hand that so many people try to follow you. It used to be that I followed everyone who wanted to follow me. I was being naive I know. I thought people were all like me and I think I suffered from this as I lost a little bit of page rank. So now I am more careful as to who to follow. Here’s a video on how to manage request for you to follow some tweeters.

Twimailer demo from jon on Vimeo.

Don’t judge me if I don’t follow all below. I am not too active there for one thing. Besides, I don’t have an avatar as I don’t know how to upload one. And all my photos are taken with my husband and I do not really want to cut him out of the picture as you know what that means. Anyway, here are some reasons why one should not follow everyone:

• There is no website, bio or location.
• The twittering shows a tendency to argue a lot.
• There is no user avatar.
• The listed website is a MySpace profile.
• The tweeter is following a huge number of users but has no updates and only 20 followers.
• The profile says he is an expert at something and yet his updates do not show he is one.
• The updates are only about selling something.
• The updates show he wants to thank me for following him but immediately he wants to help me with something he’s selling.
• He is not interacting with his followers.
• His updates only want to get more twitter followers.

As for using Twitter for business, do it the right way. Here are some ways to do this:

• Help people in your niche. Tweeting only on your products will turn people off.
• Be sure you will show you are more interested in helping than to make money online_15.
• Stop repeating the same message over and over again or the updates could be considered spam.
• Develop a relationship first with your followers.
• Only after doing the first four items should you mention your company.

That is all for now my friends. I hope I have been of help somewhat. These things are not easy to do because there are people out there to use you but all in all, it is fun. And pretty soon if you do things right, you will start to make money online_15.

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