money

We've heard stories, we've seen news pieces and well, we've just heard it all. People start making money online as a source of side income and a beneficial of these people make it their full time careers, getting into it with all they have got and come out with money they do not know how to spend. Well, if this is the sort of story you've heard and you want to know if it's true or not, hear it now, it is. You can make money using the internet; the only thing you need to know is how to do it.

Do not assume that just because you've got a great idea in your head about how your online business is going to work means that it will work the exact same way. More often than not, things will not happen the way you see them and many times online business fail. So if you're really determined to get this working you need to have a positive attitude about it and you need to be patient as well, do not give up and allow some room for failure because not every business attempt will come off successful.

Before you start anything online, find out what is it you're good at and what you want to do. When you're indecisive you will not make progress, so know what you want to do first. do you want to look for an online job or do you want to venture into affiliate marketing? When you've decided your path, pick a niche and stick with it, be certain of the niche you choose and do not be fickle about it. In order for things to work out, you've got to stick to one plan and tend to it, making sure it gets you somewhere. Good businesses happen because there's a market for it, so that's the next step. With your niche in order, get your targeted market, know who your customers and clients should be and only then will you know what products to supply and how to grab their attention as well.

If you would like to look for job opportunities online, find an area that you're good at and work with that. A flair for writing can you give you the chance to be a freelance writer or you could blog as a hobby and use Google AdSense to help you out in order to make money. Google will place ads in your blog and each time it's clicked, you earn a certain amount and eventually it will mount up to be worth something. As a freelance writer do not just stick to writing on a small time basis but go all out and learn the entire market. Attend a workshop or just do online research and you will be able to write good articles that are really worth it. Writing not your thing? No problem, move on to something that is, it could be video editing, translations, virtual assistant or whatever …

Today, organizations and individuals who do not shred their sensitive and private documents are putting themselves at great risk. Unfortunately, identity thieves and fraudsters look for sensitive information in such places as a dumpster. They not only use this information to steal a person’s identity, but they also use it to create credit cards and other financial tools in another person’s name in order to steal money. A document shredding service is an effective way to destroy sensitive documents. It is actually an important investment in your company’s personal and financial security.

There are many different types of documents that require shredding services in order to safeguard against theft. If you are planning on implementing a paper shredding program, below you will find the kinds of documents that require shredding services:

Individual/ Personal Documents: passwords, credit card and bank statements, any document with a signature, confidential documents, legal documents, lists of addresses, phone numbers, pre-approved credit offers, charge receipts, credit applications, credit card applications, insurance forms, past bank statements, social security numbers, expired charge cards, expired passports, visas, bills, and utility bill statements. As well, other important documents that should be shredded include: cancelled checks, debit card receipts, loan forms, sales forecasts, and identification cards such as employee, military, and college IDs, telephone bills, and old airline tickets. Basically, any paper item that has personal and financial information that you no longer need should be shredded.

Business Documents: account numbers, customer personal information, customer financial information, invoices, sales lists, sales orders, inventory lists, purchase orders, customer credit history reports, confidential documents, passwords, business policies, company by-laws, certificates, maintenance documents, any document with a signature, social security numbers, budgets, bank statements, account statements, expense statements, estimates rental or lease contracts, loan forms, and competitive documentation.

Employee Documents: health documents, resumes, records, contracts, benefits forms, retirement information, employee personal information, and discharge papers. Basically, any employee document is considered confidential and must be properly protected.

Legal Documents: incorporation documents, licensing agreements, court records for settlements and claims, patent and trademark information, severance agreements, expired contracts, expired service agreements, product and design information, research information, charts and graphs, and insurance information. Basically, any legal document that has been deemed confidential and sensitive should be shredded.

For all businesses, a paper shredding service is a valuable investment because it essential that the business, client, and customer information remains secure not only to protect them from thieves and scammers, but also for liability reasons. Companies can be sued if their data ends up in the wrong hands and damage is done to a particular party that the company was suppose to protect.

The benefits of hiring a professional shredding company to shred your documents are numerous. It is an effective and easy way to get rid of confidential information. You will rest easy knowing that your documents were permanently destroyed and no unauthorized third party ever viewed any of your sensitive data. In today’s data mining world where information is a precious resource, document protection …

I had planned this cruise for seven months. A friend and I who had previously cruised with Carnival and Celebrity were eager to try Royal Caribbean after hearing so many positive things about the beauty of the ship, quality of food and service, etc. For the second time, I surprised my retired parents by taking them with us (the previous year I had surprised them with an Alaskan cruise which I will review later), and they were absolutely giddy with excitement when they found out that they would once again be traveling aboard Royal Caribbean’s Navigator of the Seas, which they claimed was their favorite ship of 13 other cruises they had taken. With the ship fresh out of dry dock for upgrades, were set to go to some brand-new destinations none of us had ever visited: Roatan Island, Honduras and Belize City. Expectations were high.

Then cruise time came. While I am not prepared to say that we had a BAD time on this cruise, I think it is fair to say that our expectations were a bit deflated, pretty much from the minute we arrived at the Port of Galveston. Allow me to take you through the high and low lights of life on the high seas aboard Navigator of the Seas.

The Highs

Our dining experience– Most definitely the best service we received on the ship was in the main Sapphire Dining Room, which is without a doubt the most gorgeous dining room I have seen on a cruise ship. Walking into the dining room is like entering a regal opera house complete with grand stair case and three levels of dining with windows on each side. Our two servers were extremely attentive, noting my step-mother’s preference of making her own ice tea with two glasses of ice, 2 tea bags and some hot water, which was waiting for her every night after night one. I could fault her for being a “tea snob,” but then I’d have to look at myself in the mirror with my Starbucks in hand turning my nose up at Folgers. All of us enjoyed the variety of meal choices and thought the food was of very high quality, with service running like clock work. It was truly a pleasure to dine each evening.

Here we are at dinner. I am the goof-ball in blue.

The Cabin– Inside cabin 7667 (Aft Port) was home sweet home for our week at sea. My parents were right next door in 7669. For an inside cabin, there was plenty of room to stow all of our stuff and have a completely clear space to move in. I would say the bed was a bit hard, but it’s all about your preference as my friend and traveling partner Jay (the guy in purple) said his was just right. Ample closet and drawer space allowed us to each have sufficient space to unpack. Our steward service was also top-notch, re-stocking and tidying up twice daily.

The ship– …

You've read the books and articles where the poker reporters state the odds of making certain hands. For example: making an open end (outside) straight draw is 5 to 1, a flush draw is 4.2 to 1, and a gutshot (inside) straight draw is 11 to 1. Playing Texas Hold'em there are many variations in the odds To be learned such as what's the difference in the odds if the next card is the turn (4th card) or the river (5th card)?

But let's look at the logic and math behind these calculations to determine if they are of any value to us as poker players. How are the odds of 5 to 1 calculated for an open end straight draw? To successfully complete the straight we need one of eight cards, four on either end of our four-card straight. How many cards remain unseen? We started with 52, 8 of them are useful to us and we see four of them in our partially completed straight. So, the experts say 52 minus 8 minus 4 leaves us with 40 unseen cards, which are of no value to us. Therefore 40 failures to 8 successes works out to 5 to 1 odds. And I say GARBAGE. Your actual odds could be much higher or much lower.

Let's say you're playing in a ring game with ten at the table. That means that twenty cards have been dealt plus three for the flop and one has been "burned" by the dealer. If all of the eight cards you need to complete a straight have already been dealt to other players, your chances of making your straight are ZERO, and your odds according to mathematicians are infinite. On the other hand, what happens if all of your eight cards remain in the pack the dealer is holding? The dealer holds 52 less 20 dilet to the players less 3 for the flop less 1 burned or 28 cards. So now calculate your odds: 20 cards that will not help and 8 cards that will, which works out to 2.5 to 1. Quite a difference!

Instead of flatly assuming that our odds of completing an outside straight are 5 to 1, we gamblers should think that our odds are between 2.5 to 1 and infinity, or just plain unknown. So in my opinion it's of little use to spend a lot of time learning the odds of making straights, flushes, sets, or quads.

So what's a poker player to do, aside from praying for a lot of luck? One answer is to realize that making some hands will be more difficult than others. Obviously it's harder to make a gutshoot straight than an open ended straight. If we're going out on a limit to make a long-odd hand, we better be well rewarded if we make it. If there's not a lot of money in the pot, think twice about paying to draw to an inside straight.

Notice this analysis changes with head …

When my wife and I had our first child, we, like most parents, wanted to make sure that we taught and reinvented good financial habits in our children through their childhood and into adulthood.

We read many different articles and came to the conclusion that it would be a good idea to start giving our son an allowance at age 5 – at an age that we thought would be appropriate for starting to learn about money. We decided to give him a weekly allowance of an amount that equaled his age. At that time we wanted to teach him two important lessons: the habit of saving some of his money and the joy of spending some (not all) of his money. So, each week $ 2.50 went into his piggy bank and $ 2.50 went into his wallet. Everything went fine and dandy until one week when my son was 6 and I did not have the money ready for him on payday. I said I was sorry and that I'd go to the ATM machine in the morning and when I got some change I would pay him the money. Well, this did not sit well with him and he became rather upset with me for being late with his money.

The next day I did pay him the money like I promised, however, this was the defining moment that made me realize that I was not actually teaching and reinforcing good financial habits; I was actually teaching my son entitlement and to expect something for nothing. Well, I continued to pay my son his weekly allowance, but I was secretly looking for another way to undo the mess that I created while researching on how to really teach him some good financial lessons. Also, by this time, my second child was already two, and we wanted to make sure that we did not repeat the same mistakes with her.

So, three years ago, when my son was 7, I started what I thought was to be an experiment that is still going strong today; I helped my son start his own business. By starting his own business, he was going to learn some real-world lessons, like getting paid for results and not to just expect money for nothing. And, I am happy to say that once my son started making money with his business we immediately phased out the allowance. Incidentally, since this experiment went so well for my son, we never even started an allowance for my daughter. When she was 4, I helped her start her own business. And she has now had her business for 2 years and it's still going strong.

With my kids having their own business and making their own money my wife and I have been encouraging our kids over the years (instead of just dividing their money between spending and saving) to divide all of their money into four meaningful categories: Giving, Investing , Spending and Saving. This way …

Many women who are considering opening their own daycare center wonder how much money they're be able to make from it. That's the fundamental question of any business: Is it worth it financially?

The answer to that question is somewhat complex. Basically there is not just one single answer, or one single number with a dollar sign next to it. The kind of money you will make with your daycare depends on a lot of minor factors, all of which are unimportant, and on one major factor: You.

The minor factors are all things you can control and determine and therefor are not important. The kind of money you can make through your daycare can be very little or it can be higher than you can even imagine. It is all up to you.

What can you do to make the most money through your daycare?

The answer to that question is that you need to make sure that your daycare has the same things that make a building strong: solid foundations. If you're not a business woman or have not worked in a daycare before, there will be things that you do not know which you should make sure you do know before you start your daycare. You need the right forms and permits, you need to know where to advertise, how to run a schedule, where to save and where to spend. You need to invest in knowledge. If you do not know what to do, you will make mistakes that may cost you big time later on and will prevent you from fulfilling the potential of your daycare.

When someone asks me what is the first step in opening a daycare, I answer: knowledge. If you do not know what to do, invest some money in a daycare start-up guide. It can be worth it's weight in gold.

Some small daycares make $ 50,000 a year and more. If you expand your daycare you can make much more. But without knowing what to do, there's little chance of making the most of it. Make sure you have the knowledge before you begin. …

All of the major insurance companies compete with the smaller companies on the market today, and their main weapon is offering cheap auto insurance quotes to anyone seeking a new insurance policy. With the economy being in such a fragile state, and unemployment at record highs, it is essential that you make sure you find the best deals so you can save money on your insurance.

Finding cheap auto insurance quotes can be a bit of work, although it extremely pays out to you in the end. It is important that you are shopping around for all of the best deals, as companies are willing to fight for your business.

There are also a few steps you can take to maximize your appeal to the insurance companies so they will not only want your business, but also offer you lower rates.

First off, you should always be up front with the representative to what you are speaking. If you have any tickets, accidents, DUIs, and the like on your record, it is better that they know that in the beginning than have them find out through the check of your driving record. If it's the latter that happens, they will only end up very suspicious. After all, you should have informed them of any things of special note in your record.

Second, you should be sure to take traffic classes in your area if available, as they can help reduce the amount of points and tickets on your license. This will show the insurance company that you are a responsible driver, as well as lower the rate that the will initially offer you for your monthly premiums. Few people realize the impact that traffic classes make on their premiums. This is unfortunate because taking up such a class is helpful in two ways: it earns you brownie points with your insurer. At the same time, you really do get to work on your driving.

Third, determine the maximum coverage that you will need to have on your vehicle on a daily basis to cover yourself in case you should total it. For example, you probably do not need full coverage on a vehicle that is paid off and worth only 500 dollars, as your deductible alone will be near this amount.

These are only some of the things you can do to maximize your appeal to insurance companies. Try them! You will not be sorry you did once you start getting cheap auto insurance quotes. …

Finding the best Arizona homeowners insurance rates has never been easier. This southern state that according to the United States Census Bureau has approximately 6 million people has many home insurance companies offering their services to customers in the market. In the following article you will be able to understand the Arizona home insurance industry a little better and see the many ways in which you save money on your Arizona home insurance.

Arizona Home Insurance Rates

Before you determine which would be a good rate if you live in the state of Arizona it is important to know how much the people around you are paying for home insurance. People in Arizona rank 38 out of the 50 states in the United States when it comes to home insurance and average promotions, meaning that people in this state are in the lower rankings of home insurance rates.

According to a survey made by the National Association of Insurance Commissioners, in the year 2005 the people of Arizona spent an average of $ 635 when it came to home insurance policies. Keep in mind that the national average for a home insurance premium was an estimated $ 764. Although people in Arizona are below the national average there is more that they can do if they want cheap rates.

Shop Around To Find The Best Arizona Homeowners Insurance Rates

The most important thing in order to find cheap homeowners insurance rates in the state of Arizona is to shop around thoroughly. There are many ways in which you can shop around, but in this article we are going to discuss the two main ways people can find cheap insurance in today's market.

The first way involves you looking in your local yellow pages for home insurance companies in your local area. Once you find a few of them then you can go ahead and visit them personally. The good thing about doing this in person is that you will be able to see the company work as it is. Once you get in the local insurance agency you will be able to tell how knowledgeable the agent is about the industry. Ask the agent any questions you may have about the home insurance industry and see how well his customer service is. You can also ask him about the company's history and financial ratios which are very important in determining the company's future.

The second way in which you can check to shop around involves the use of a computer and the Internet. Nowadays most companies offer their website pages to customers that desire to get a quote or simply know more about them. If you shop for AZ home insurance online make sure you visit enough Arizona home insurance company websites and get quotes from each one. This will help you compare between them and see which one is best for you. You can also lean towards online comparison websites. What these websites offer is more quotes from dozens …

With Online Bill Pay, you can securely pay your bills whenever you want. No more writing checks. No more stamps and envelopes. Online Bill Pay with your credit union allows you to pay any bill, any person and any company, without ever touching a pen. It does not matter if your bills are paper or electronic. Online Bill Pay will make the payment for you. Best of all, it's fast, easy and free!

I love paying my bills online. In fact, I think I've only written three or four checks in the last year and they were all sent to individuals, not a company. I really love the convenience. So, besides the convenience of online bill pay, what are the other advantages of paying bills online?

Save Time . I can pay a stack of bills in less than 10 minutes and that includes signing in to my online account.

Save Money. Now that a first class stamp costs $ .49 it makes paying your bills the old-fashioned way pretty expensive. If you have 10 or more bills every month you will be spending approximately $ 5 per month. Online bill pay at most credit unions is free so that adds up to a savings of $ 60 per year.

Increase Security. Using online bill pay can help prevent identity theft and give you additional security to your transactions. Online bill pay at most credit unions use the latest technology and security to keep your financial information secure.

Support the Environment. It's amazing how much can be made if everyone makes an effort to improve the environment. Did you know reducing the amount of paper that is used saves forests and reduces greenhouse gasses and fuel emissions? Less paper means more green. Check out Pay It Green to find out other steps that can be taken to improve the environment by using online bill pay.

The benefits described above are the most obvious but there are many more:

  • Pay bills from anywhere.
  • Control when bills get paid to avoid late fees.
  • Pay bills individually or in batches.
  • Schedule one-time or recurring payments.
  • Access your payment status and payment history.
  • Only enter payee information once with convenient customizable payee list.
  • View selected billing statements from payees online.
  • Arrange e-mail alerts for bill arrivals, due dates and upcoming payments.
  • Skip or modify a single instance of a recurring payment.
  • Run payment reports and create custom reports.
  • View your payments up to six months in advance with the payment calendar.
  • View recently processed and pending payments on the main bill payment screen.

Mobile access to check balances, transfer funds and pay bills from your cell phone or other mobile device.

There has been a burst of technological advances over the past several years so it surprises me that more people have not started using online banking. I'm urging you to take advantage of online bill pay to save time and money, decrease clutter and most importantly improve your financial management. …

Travel insurance policies come in different types of packages, with all manner of options and choices. It is designed this way for a reason, of course. You would not want to pay for cover that you are unlikely to need, or skimp on cover you should have.

A basic policy may be adequate, or you may find you’ll be more comfortable paying a bit more to obtain higher levels of cover, as needed. It often depends on where you plan to travel. Let’s say you plan to travel to a destination such as Madagascar, which has limited medical facilities. In the case of a serious medical emergency you may have to be transferred by air ambulance to another country for treatment. Therefore, you would be wise to pick a policy that offers the maximum cover for medical emergencies. It should also include cover for air ambulance and medical repatriation. If you check you may find that a very cheap policy does not include this cover.

You will need to decide whether to opt for a Single Trip or Annual Multi-trip policy. If there is any possibility that you may take more than one trip in a year the Annual policy is normally the best value for money. On many policies children are included free – which is a major saving for family holidays.

Travel insurance premiums normally increase depending on where in the world you are travelling. For example, the cost of travel insurance for a British citizen travelling to Europe would be less than if they were flying long-haul to a destination such as North America or Australia.

Most travel insurance companies offer different levels of cover so that you can choose. Paying a bit more for the next level should affect the amount the insurer will pay on a claim, or increase the amount of items covered. Pay attention to the amount of Excess (Deductible) included as it may be much higher on a cheap policy. (This is the amount you have to pay towards a claim). To keep the premium very low it is often the case that levels of cover have been cut or the amount of Excess increased.

When it comes to pre-existing medical conditions the cost may increase dramatically for serious pre-existing conditions, or the insurer may not offer cover at all. Most often though the average company will agree to cover a specific condition for an extra premium, or with the understanding that any claims related to the condition are excluded. This can be a bitter pill to swallow for those that are affected.

Unfortunately, it is a fact that travel insurance for seniors is usually more expensive because of the assumed increased risk of a medical problem arising – despite the fact that our seniors are probably healthier these days than they have ever been!

Winter sports (skiing/snowboarding) insurance can be added to a typical travel insurance policy for an additional fee. Other add-ons may include cover for activities such as:

  • Business