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How to Make Money on IMVU

IMVU is a free social network set in a spectacular virtual 3D world. The members can meet new people and hang out with their friends in animated 3D environments. They can also design their own custom avatars and equip them with different clothes and accessories. Most of the coolest items out there are not free – they cost credits to buy. IMVU credits can be acquired either from various free promotions, or by buying them for real cash. Credits are the virtual currency used everywhere in the IMVU world.

Now that we’ve established that IMVU users spend credits (and in turn, real cash) on various nifty virtual items, you should know that the opposite is also true – members can make money on IMVU by selling various 3D designs on the site marketplace, and earning IMVU credits this way. It’s a great opportunity for people with graphics design skills to get some additional income. IMVU uses Cal3D library for designing the 3D items.

Anyone can use the Content Creation program on IMVU. The only requirement is a small initial credits investment to cover the submission fees to the IMVU product catalog. If you create something that becomes really popular, you can earn lots of credits over a short period of time. That includes items people use to enhance the look of their avatar, and 3D environment designs for the chat rooms.

You might wonder how earning IMVU credits translates into making money. The thing is, IMVU allows converting their credits to real cash. There is a number of third party services that both sell and buy credits. If you have a lot of credits available, you can sell them to one of those merchants for real money in your PayPal account. In this regard, IMVU is similar to Second Life which also allows selling and buying of their virtual currency for real world money.…

20 Rainy Season Businesses You Can Start Now

Let's take advantage of these seasonal needs and offer the appropriate business services. You will find below a list of 20 profitable rainy season business ideas.

  • Cold Weather Apparels and Accessories: Starting a cold-weather apparel store can be a great option for those looking for a seasonal business. You can buy products in large quantities and start selling to retail fashion shops and corporate offices. You can even hire sales canvassers and pay them on a commission basis.
  • Law care business: Contrary to popular beliefs, the rainy season is a great time to start a lawn care business. Lots of individuals and large companies seek for services of lawn care retainers to help them take care and beautify their environment. You will need to advertise your services in local newspapers, or write an introductory letter to the ministry of environment either at local or state level. You can also write to property managers. Who says you can not go out and knock on doors of commercial businesses and property managements? They have a long list of clients that will need the services of lawn care service providers. You can start with two or three staff.
  • Roadside snacks: In this rainy season, snacks like roasted corn, cooked corn and cooked groundnuts are in demand. Passersby, pedestrians and drivers alike would always want to buy hot snacks to heat up their body and quell their hunger. Your target market should be in densely populated areas of streets with big pot holes that could delay traffic. As drivers slow down, they notice you and buy your snacks. Herbs and Flower Farming / Gardening: Flowers survive better during the rainy season. Plants are the basis for all landscapes, homes, gardens and even for brightening offices. You will pay small amounts for packages of seeds and make way more when selling starter plants. The more space you have, the better you will be at it. If you have the space in your landscape and outdoor garden, you can create gardens where you will grow the plants and dry them out after. This will add much to your inventory and you can make lots of money selling dried flowers to retailers, wholesalers, and even flower shops.
  • Make Mosquito Nets: Mosquito nets are simple to make and easy to use. They eliminate the need for repeated use of dangerous chemicals. Mosquito nets can be institutional and attractive. By using pretty flowing fabric and a few household objects, it is possible to make a beautiful yet functional mosquito net. Things you will for construction of a mosquito net are; Stud finger, 4-inch metal "O" ring, cup hook, 2-feet diameter embroidery hoop, 20 yards of tight weave chiffon fabric, 4 feet of stain cord or ribbon, hot melt glue and clear hot melt glue sticks.
  • Tea Café: This market is not likely to be planned if you decide to start this business. What innovations do you need to do this business? Simply make your tea joint look neat and

3 Facts About Money From the Bible

Day in and day out, we are constantly thinking about money. We wake up almost every day to go to work to make money to pay bills and to maintain a comfortable standard of living. We think about retirement, and our ability to save for it. We consider whether making changes to our savings strategies, such as converting a traditional IRA to a Roth IRA, can make life better. Money, or the lack of it, can cause a lot of problems and stress.

However, if your finances are properly managed, your life can be more enjoyable, even if you are not making a big salary. Your finances need to be put in the proper perspective.

As a Christian, it is important to understand what the Bible says about money. There are over 2,000 verses in the Bible that talk about money. It is the second most talked-about topic in the Bible. (Love is the first.)

Today, we will look at three facts that will challenge you to further explore your perception of your finances. These concepts will help you move into a more peaceful frame of mind when it comes to thinking about money.

Everything belongs to God

Before we can even begin to discuss what you have and how you use it, we need to understand that everything we own really belongs to God. This is mentioned several times in the Bible – examples can be found in Deuteronomy 10:14, Psalm 24:1, and 1 Chronicles 29:11. While we may (or may not) have lots of material possessions right now, they are only temporary. You can’t take them with you when you leave this world.

We should avoid getting attached to the things of this world because we are only borrowing them. This didn’t hit home for me until my car was stolen. I had many personal belongings in the car that night and was devastated when I found them gone. But I honestly could not tell you most of the things that were in the car. In fact, my life has not been significantly changed by not having most of the things that are now gone. Once I understood that these things are only temporary, my mind was at ease.

The Lord is in control

In Isaiah 55:8-9, the Lord tells us that His plans are bigger than ours and that the plans He has for us are beyond our comprehension. We need to focus on allowing God to be in control of everything, including our money, so that He can work through us to improve not only our lives, but also the lives of those around us. This is confirmed in Romans 8:28.

The Lord will take care of you

If you seek God’s Kingdom first, He will provide for your every need. You can read about it in Psalm 34:10, Matthew 6:31-33, and Philippians 4:19. We need to use the skills and abilities that the Lord gives us (Exodus 36:1-2). It is the Lord who decides whether …

Are Minimum Credit Scores Needed for a Car Loan?

Every lender has its own criteria for judging whether or not they would consider a borrower credit worthy. So, minimum credit scores to get a car loan do not meet rigid cutoff points. Look at some general scores to get an idea of how you will be treated when you embark on your auto loan shopping journey.

The Minimum Truth

The important thing to consider when you shop for your car loan, is that the higher your credit score, the less you will pay for your car loan and the more money you will save. This is the minimum truth regarding credit scores and auto loans.

Starting From the Top

Credit scores range from 300 to 850. Around 725 is the average score across the population. A score around 300 is usually indicative of a bankruptcy. If you have a score over 680, you will not have any trouble finding a car loan and you will be offered the best interest rates. In spite of advice against getting a loan through a dealer, you may even find a good loan in those circumstances.

Next Rung on the Ladder

You will still have no trouble finding a loan if your credit score ranges from 650 to 680. You may not get the best interest rates, but you will still be able to find a decent loan. If you were going for a mortgage, a high-end auto loan, or some other large purchase, before you make an application, you might want to figure ways to improve your score to save yourself a substantial amount of money.

Bring Up Your Minimum

If your scores range between 500 and 600, you are not in the best position for a good car loan. You might want to put off borrowing for a while and definitely work on improving your credit score. If you are in the high 500’s you will probably find financing but your interest rates, fees, and monthly payments will be rather steep.

Scaling Down

If you range in the low 500’s you will have to work to find a lender, but you can always find something. You may end up paying more in interest than the car is worth. This would be a good time to scale down to perhaps a good used vehicle. Save some money on the side, improve your credit scores, and you may be ready for your dream car in a few years.

A Minimum Credit Score for a Auto Loan?

If your score dips below the 500 mark, you may want to consider putting off borrowing for awhile. Sure, you will be able to find a loan, but your interest rates are going to be over the top and you might be under the burden of that car loan for a very long time.

No Real Minimum Credit Score for a Car Loan

As you can see, there is no real cut-off minimum credit score to get a car loan. There are ranges that indicate the success …

Earn Money From Car Advertising – This is How to Get Paid to Drive Your Car!

Are you looking for ways to make some extra cash every month the easy way? Then, you are at the right place. By reading this article you are going to find out how you can take advantage of the car advertising programs in order to make easy cash every month.

There are some very well-known companies out there that can actually pay you money to drive your own car. The only thing you need to do is to place an ad on your vehicle with the company’s logo. And, that’s it! You won’t have to do anything. Just drive your car as you would normally do. Of course, if you want to increase your salary there are a few more things you can do. For example you can agree to attend special events like parades where you can show off your car to many people, hand out brochures that advertise the company’s products or services and park your car in highly populated areas.

Normally, most companies pay you around $500-$800 per month, if you own a regular-sized vehicle. Of course if you own a truck, your salary will be much higher and can rise up to $3.000. Another way to get a bigger paycheck is to choose an advertisement that will cover the 3/4 of your vehicle. The advertisements are also known as “auto wraps” and they typically consist of the logo of a particular brand or company.

But, how can you ensure that your application will get accepted?

You first need to answer the following questions:

  • Are you more than 18 years old?
  • Do you own a valid drivers license?
  • Are you a resident of Canada, UK, US, Spain or France?
  • Do you live in a big city? (You can get selected even if you live in a small town, but in this case you have to drive many miles per day in busy highways).
  • Do you drive at least 400 miles per month?
  • Do you have a clean driving record with no serious violations like driving under the influence of drugs, in the last year?

If you answered yes to these questions then you are the ideal candidate for this program. If you get selected and don’t currently own a car, the company may even provide you with a new vehicle wrapped in advertisement. Of course, in this case you won’t get a monthly salary.

Nowadays you can find many companies that pay regular people to affix vinyl decals to their vehicles, because this is considered a very cheap and effective form of advertising. Even though, this job won’t get you rich, in these times of recession $800 per month can definitely come in handy.…

What Does NSF Stand For? 3 Points About NSF Fees

You may have heard the term “NSF” floating around lately. If so, you likely read or heard it in the news, at work, or maybe from a friend. This is a personal finance term that has a direct impact on how much of your own money you actually get to keep at the end of the day.

If you are wondering, “What does NSF stand for?,” here is a definition, along with some important points you should know about personal finance that could save you hundreds of dollars or more a year.

NSF simply means “non-sufficient funds.” Usually, the term is used to refer to the situation whereby you make a charge to your checking account – usually a debit, credit, or check charge – for an amount that exceeds the balance of your account. An NSF situation almost always results in your having to pay a fee of $30 or more to your bank each time.

Another common term for “NSF fees” is “overdraft fees.” Here are 3 points about NSF fees you should know.

1. You may be paying NSF fees to your bank each month: Most people are not aware that nowadays the majority of banks automatically enroll their new checking account customers in something called an overdraft protection program. Once enrolled, you will be liable to pay your bank big NSF (overdraft) fees every time you overdraw your account.

2. You will have to pay fees even when your bank accepts a debit transaction for an overdrawn account: Overdraft protection programs are set up in a way that allows new debit card charges to be accepted and covered by your bank – even though your account has a negative balance at the time that results in your having to pay a fee. This practice is quite sneaky on the part of banks: it means you could end up paying 1, 2, 3 or more NSF fees in a given day without even knowing it – adding up to $100 or more.

3. You can protest overdraft fees and sometimes win: If an overdraft fee has shown up on your bank statement recently, you can sometimes protest and win. However, doing so takes your valuable time, and winning is not guaranteed.

Take the time right now to go back through the past 2-3 months of bank statements and add up how much you have paid your bank in NSF fees. The number may surprise you. The good news is that some banks now offer no-overdraft-fee checking accounts, which means they will cover your overdrawn charge but still not charge you a fee – ever.…

Common Mistakes Motorcycle Buyers Make When Looking For a Motorcycle Loan

Whether interest rates are high or low or it’s the end of a model year with lots of incentives, motorcycle buyers tend to make the same mistakes when shopping for a motorcycle loan. Here are four common mistakes motorcycle buyers make with motorcycle loans.

Shopping for a motorcycle before shopping for a motorcycle loan.

Many motorcycle buyers enter the showroom looking for a motorcycle before they determine how much money a motorcycle lender is willing to loan to them for the purchase of a motorcycle. There is no need to shop for a $20,000 Harley Davidson motorcycle, if a lender is only willing to provide a loan amount of $10,000.

Additionally, once motorcycle buyers enter the showroom slick salespeople often pressure them into motorcycle loans with much higher internet rates than they could have gotten had they shopped for a motorcycle loan at a bank, credit union or online. Salespeople do not like motorcycle buyers to leave the dealership to get a motorcycle loan. In the salespersons mind this only increases the chance of losing a sale and commission. Therefore, salespeople frequently try for a quick sale which normally results in pushing motorcycle buyers to get motorcycle financing at the dealership.

The bottom-line is that it is always best to shop for a motorcycle loan before entering the showroom.

Diving into the unknown motorcycle loan.

Motorcycle buyers often jump into motorcycle loans that they do not completely understand or may not be the best alternative for them. For instance, in today’s age manufacturers frequently run credit card motorcycle loan promotions on their private-label credit cards. But these promotions typically offer a low interest rate for a short term like 12 or 24 months and have a much higher interest rate after the short promotional term. On a credit card promotion if motorcycle buyers can not afford to pay off the loan during the short promotion period, then they are typically better finding a lender offering an installment motorcycle loan for a longer term.

Borrowing too much.

The most common mistake the first time motorcycle buyer makes in not having a clear sense of how much motorcycle they can afford. This is especially true for young motorcycle buyers who look to buy the top sport bikes that cost up to $10,000 – $15,000. What they fail to realize is that financing a $10,000 – $15,000 motorcycle can stretch them to thin, resulting in them having little cash to enjoy themselves and the motorcycling lifestyle. They may also have too little cash to pay for insurance, maintenance, registration or new accessories for their motorcycle.

Not asking the right questions.

The first warning sign that motorcycle buyers should see is that if they do not understand the type of motorcycle loan, then they should be sure to ask a lot of questions.

Here are some good questions to ask:

o Is the interest rate fixed or variable? If fixed how long will it be fixed for?

o Are there circumstances that can make …

Slogan For Selling – Earn Money by Writing Phrases

Now a days there are many different types of online jobs available and some of them are very simple still you can make good amount of money. If I say you can make money by just typing simple phrases and sell those phrases for hundreds of dollar?

You might know that there is an industry which is not visible for everyone but it is a multi-million dollar. This industry is built on new creation and distribution of Writing Simple Slogan and Phrases and symbols. There are many companies and firms out there who are ready to buy those one-liners and pay big amount for that.

There is no experience needed for same. What you need is a little creativity and ideas to think differently and a PC or a Laptop to find out how it works?

There are many simple but money making symbols which sold for $ 1000 and some sold for $ 6000.

Do not just start dreaming of this amount from first day. Go slow and you will unlock many ideas step by step. What you need to do is to be focused and keep brain storming. Look around in your daily life and get some idea and show those ideas to the potential customers.

Any Online Elearning system will not give you profit overnight. You have to be constant and make your way out to make earning out of the same. I am saying this because there are millions of people working from home and they all have their own story to sell. No one will ever release his / her secret of earning money online. They will guide you what they have done when they started but never share the secret of their success.

Let me give you an example. If I am making money from any particular system that that system will not certainly work for others cause I myself discover that system.

I will give you the ideas of what sort of marketing strategies you can apply to help you to get declared and earn money. To get first sale is always difficult but that is the key! If you get the first sale over night than you are not going to spend more time to unlock the secret behind this and it will not stay for long.

OK let me get back to the point where I started. Talk about the Slogan Selling online Business.

It's an Easy Step by Step system like A, B, C!

A. Write a Slogan – Ordinary Word, Phrase or Symbol

B. Upload Online – Put your Phrase up for sale and it will not take more than a couple of minutes.

C. Wallah! You get paid – You will earn cash when someone Use that.

So what are you waiting for! Search for your best possible Interest and get the Job! …

Accounting Finance – The Heart of Any Successful Business

At the core of any successful business is a well organized management. Financial accounting is a very important tool for business. Aside from knowing strategies such as bookkeeping, marketing, advertising and production, a good and stable business must also have a competent system for accounting finance.

Whether you like it or not, accounting finance is one thing you cannot dispense with in the world of business. It is a very important tool in determining where and how exactly your money is being spent. Also, it is most important in terms of taxes and other pecuniary obligations.

Good Accounting Means Good Business

Accounting ensures you how much you have, how much you owe, and helpful in assessing the value of your business. Are you generating any profit or operating at a lost? Accounting records will answer your questions. Accounting serves as the proper recording tool of the financial status of any business. Fiscal dealings are best kept right on track with an effective accounting department.

A good accounting system within one’s business is a great help in making business decisions. This also shows how credible you are with other companies. Accounting does not only place you in a very knowledgeable stance, but it gives you that confidence by being armed with the facts and figures revolving around your business. Knowledge is power.

Professional Accountants

It is to your advantage if you are an accountant by profession. But if not, you can still do your own accounting if you are operating a small-scale business. However, if you have a big company it is advisable to hire a professional accountant especially if you do not have the time and the skill for it. You must realize that there are various strategies in keeping various kinds of accounts in a business.

It is also best to check the accounting firm’s competence, credibility and confidentiality issues. It is very important that in any business, you would be able to trust your accountant with sensitive information, including profits and sources of income your business is accumulating.

Accounting standards you should know

To the untrained and unsuspecting eye, accounting principles might seem hard, intimidating and complicated, but it is in reality very simple if you get past all those figures. All you have to know in accounting are these: Accounts are always divided into three types, namely assets, liabilities and equity. Each account is unique and simple yet forms part of the very foundation your business is operating on.

“T” accounts can be managed by drawing a T like figure with a left and right section divided by a vertical line. On the left side, you can place all your debits or the so called assets. On the other side, you can list down all your liabilities or what we call credits.

The general rule is that for every liability, there must also be a corresponding asset so that a balance will be achieved. If the credit is more than your debit then perhaps you are already …

Best Loans For Single Mothers – Learn How to Get Approved Fast

If you are a single mother, you may be among the many single parents who struggle to make ends meet each and every month. Many single mothers have no credit, slow credit, or even bad credit. Many single mothers are young and have not yet had a chance to establish positive credit history. There are different types of loans that you can qualify for as a single mother regardless of you past credit performance and bad credit history.

Personal Loans For Single Mothers

A bad credit personal loan is a loan that allows you to meet any needs that you might have. Perhaps you need money for major purchases like furniture or a computer. Or maybe you want to take a trip, pay for a class, or even buy a car. You can barrow amounts from $5oo up to as much as $15, ooo when you are applying for this kind of loan. Your personal loan can be ether secured or unsecured. A secured personal loan requires you to pledge collateral.

An unsecured personal loan does not require you to pledge collateral. However most single mothers do not have adequate collateral to pledge, and their only option is the unsecured version of the personal loan. To improve your chances for getting approved in the amount that you need, you can always ask a creditworthy cosigner to apply alongside you. This person can be a parent or other relative, friend, or anyone who will agree to pay your loan payments should you become unable to do so. Many lenders will allow you cosigner to be released from liability of payment once you have paid a certain number of payments on your loan.

Car Loans For Single Mothers

Single mothers who are in need of a new or used vehicle can qualify in most cases for a car loan. Because a car loan is secured by the car itself (or other vehicle), lenders are more lenient when approving car loan applications. A car loan of this type is usually financed for a period of four to seven years, depending upon the purchase price of the vehicle and whether or not you have a down payment. Having a down payment is the best way to purchase a car because it will make your monthly payments lower and easier to manage. Car loans are usually for $20,000 or less.

Cash Advance Loans For Single Mothers

Another option is the cash advance loan. This type of loan requires no credit check, making it the easiest to get loan not only for single mothers but for anyone with inadequate credit history. This loan is made for a short period of time, usually a month or less, and typically around the time of your next pay date. The only requirements to receive a cash advance loan is that you have a checking or savings account and a job that allows you to bring home a weekly, bi-weekly or monthly paycheck. Single mothers who receive benefits from Social …