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The Top Four Ways To Make Money Online

It seems as though making money online is something everyone wants to do these days. It's understandable due to the huge amounts of money that can be made online and the fact that you get to work for yourself while doing it. But what can you do to make money online? Well, this article is going to reveal the top four online money making methods that I have found to date. These are not get rich quick schemes. They are proven online money making methods, and if you put sufficient effort into these avenues of money making online, you will find success.

So, here are the top four ways to make money online:

1) Marketing Information Products

This is the favorite of many and definitely one of the best ways to make a lot of money online. Creating and selling your own information product such as an ebook can make you a lot of money in a relatively short amount of time. Once you have created and started marketing your product, it can be sold over and over again for years. The best part is that you make 100{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} of the money from sales and your customers can download the ebook as soon as they buy it, so you do not have to worry about any inventory or shipping costs. I suggest every person who wants to make money online have at least one product being sold at all times.

2) Affiliate Marketing

Affiliate marketing allows you to start making money online without having to create any products or services of your own. Instead, you market other people's products and services. Affiliate marketing is great because it is so fast and easy to get going. You can actually be in business for yourself, marketing products as an affiliate in a matter of minutes. Now, actually getting sales and making money as an affiliate marketer may not be quite as easy but it's not exactly hard either.

Being an affiliate marketer can easily supplement any product or service you are already selling, so if you are not doing this you are literally leaving money on the table. Affiliate marketing can provide instant profits but you should take your time while choosing companies to promote because commission percentages range broadly. One company may only offer a 5{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} commission per sale, while another company may offer 75{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc}. Usually the higher, the better.

3) Google AdSense

AdSense is a program that places relevant ads on your site and you are paid each time the ads are clicked by your visitors. The ads are created by Google AdWords advertisers and you get a percentage of the price they pay for the ad each time someone clicks on it. If you get a lot of traffic to your site you can make a lot of money with Adsense. I recommend doing some research on AdSense before you start using them because there are a lot of tactics you can use to drastically increase your profits.

4) …

Reconciling Your Checking Account

Do you find one of the most difficult household record keeping tasks to perform is reconciling your checking account and keeping track of are the checks you write and the times you use your debit card? I sure did and I put it off for months and months until finally, I had such a mess in my checking account, I had to close it and start a new one. I’ve learned my lesson and have resolved some of the issues that caused all my frustrations.

I find using checks with a duplicate copy a really good idea because I always have a record of the amount of each check. Also, every time I use a debit card, I am careful to put the receipt in my checkbook. This serves as a reminder for me to update my check register. No matter what kind of check writing method you use, it is very important that you keep track of all of your transactions in your check register.

When you receive your checking account statement from the bank, put it in a place where it won’t be forgotten. I usually put it with my bills to be paid. That way I know I will remember to reconcile my account each month. If you toss it in an unfamiliar place, you will surely forget to balance your account later on.

Selecting a specific time to reconcile your account each month is a good habit to get into. I know life can be very hectic at times and only you know when you will have enough time to devote without interruption. When you are ready, gather your account statement, your checkbook and your check register along with all ATM transactions for the previous month.

With all that said, let’s get started! I am going to make this quick and painless, I promise.

DEBITS: All money items charged to your account including checks written, debit card purchases, ATM cash withdrawals, fees and charges.

CREDITS: All money items put into your account including deposits you make and interest you might earn.

Grab a blank piece of paper and we will create a ** Worksheet for you to use to reconcile your account.

On the first line write: CHECKBOOK BALANCE: Next to that, write the balance amount your check register says you have in your account.

On the second line write: BANK BALANCE: Next to that, write the final balance shown on your bank statement.

On the third line write: OUTSTANDING ITEMS: do not write anything next to it just yet.

Your worksheet should look like this:

CHECKBOOK BALANCE: $1,002.50

BANK BALANCE: $1,230.00

OUTSTANDING ITEMS:

Now, referring to your check register, put a check mark next to those items that have been cashed. You will find these items listed on your Bank Statement. When you’ve finished, go back through your check register and look for items that are not checked … put an “O” next to all those items. These are your “Outstanding Items”.

Next, list all …

Learn How to Make Money Taking Photographs

Thanks to the internet and digital cameras there's a huge market now for selling all kinds of photos featuring themes, styles, topics, etc.

There is money to be made from taking and selling photographs. Taking pictures is easy, fun and you can work at your own pace. You do not have to be a professional photographer or have a college degree. All you need to get started is a digital camera, computer and a photo-editing program (Adobe Photo Shop, etc). You do not have to be a professional photographer or have a college degree.

The market for photographs is huge. Estimates show magazines and newspapers buy over 50 million photos a year,

There are many different ways you can make money with your digital camera. You can make money taking and selling photographs for people's personal use, decor, family reunions, birthdays, anniversaries, memories, portraits, weddings and pets.

Clearly to be a success in making money taking photographs includes tips on finding the best revenue sources for your type of work. Depending on what method you choose to market your photographs with you will either be selling them per download via sites such as Stock and Prints, Crestock, iStockphoto, Dreamstime etc. or local Business People, Travel Agents, Realtors, Car Lots or even directly to clients on a contract basis. Photographers are needed in many fields. For instance many people use car web sites and they sell their products as a result of photography. People celebrate special occasions more with photography, than they did years ago. The travel and advertising markets have a great need for landscape, travel and nature shots. The key to finding your clients is simple: find out where they buy their current photographs and make yourself visible there!

These are some of the photograph markets that will pay you for taking pictures:

Marketers
Writers
Magazine Editors
Weddings
Scrap Bookers
Business People
Peoples Pets
Travel Agents
Realtors
Web Designers

There are many other markets that you can check out that you can sell photographs to.

Learning how to make money with your camera via the internet can be reliably easy. All you need is to get enough determination to give this endeavor everything. You must also have the initiative. This will ensure that you make the first move to making the business a success.

Almost anyone with the right camera equipment, and the necessary skills can set up a home business, marketing photography. You only need to convert a room of your house into an office, and then you can work immediately. Because you have modern technology in the form of digital cameras, you do not even need the room for a dark room.

The technical skills needed to make a successful photographer have never been easier. The market for photographs of almost every type has widened, the world looks to have an insatiable appetite for photographs. . For instance many people use car web sites, they simply did not exist ten years ago, and they sell their products …

Life Insurance 101, An Explanation of Various Types of Life Insurance

TERM LIFE INSURANCE – Life insurance for a set number or years. You can choose from 5 to 30 year terms. No cash value, if you die during the term you collect the death benefit. The policy dies after the selected term has ended and you receive nothing unless you have a, return of premium rider or you convert the policy to some form of permanent insurance.

RETURN OF PREMIUM TERM INSURANCE (ROP) – A term insurance policy that returns all or a portion of premiums paid at the end of the term if the death benefit has not been paid.

SIMPLIFIED TERM INSURANCE – Term insurance which uses a simple application. Underwriting is done electronically. No underwriting requirements by the applicant unless red flags arise out of the electronic underwriting process. Policy is usually issued much quicker than regular term. There is a limit of death benefit for this type of policy ($350,000 or less) depending on the insurance carrier. This type of policy is generally more expensive because of additional risk by the insurance carrier. Less underwriting =more risk.

CRITICAL ILLNESS INSURANCE – Applied for as a stand-alone policy or as a rider to another life insurance policy. Pay immediate benefit for a covered illness even if death does not occur.

ACCIDENTAL DEATH INSURANCE – Pays benefit in event of a covered sudden accidental death. Applied for as a stand-alone policy or as a rider to another form of life insurance.

MORTGAGE PROTECTION INSURANCE OR DECREASING TERM INSURANCE – Term insurance that pays the balance of your mortgage should death occur. The amount of death benefit decreases to match the amount owed on mortgage. The insurance is set up to end at the same time your mortgage is set to end.

UNIVERSAL LIFE INSURANCE (non variable) – Flexible premiums. Can be a permanent insurance as long as premiums are paid and policy is funded properly. Investment policy in which risk lies with insurance company.

Has a minimum guaranteed interest rate which differs by company. This policy has the ability to gain contract value. The death benefit can be set to level (death benefit stays the same throughout) or increasing (death benefit increases as contract value rises). You may obtain loans or make withdraws but you must be careful, if the policy is not funded, it will collapse.

VARIABLE UNIVERSAL LIFE INSURANCE – Agent must have securities license to sell. Very similar to non-variable universal life. The difference is that the policy owner assumes investment risk. There is no guaranteed interest rate. Policy can collapse if investment does not do well and policy is not funded properly.

WHOLE LIFE INSURANCE – Simply put, you pay the premium and the policy will last your whole life. You usually have an option to borrow against the policy, amount depends on the value of the policy. This type of policy is usually much more expensive than the universal life policy.

GRADED BENEFITS WHOLE LIFE – Partial or no benefits paid until a …

What Are Bonds?

When people talk about financial things, you tend to hear the term stocks and bonds thrown around, but are they the same thing? The short answer is no. Stocks and bonds are different entities although they belong in the same financial framework as they are both things to make money and both things that can be bought and sold.

Bonds by definition are an instrument of indebtedness. While that doesn’t sound very appealing and not very much on the side of making money, in fact they are used to make money. It is a case of debt security. Your company wants financing and so to get that you get into the bond market.

The issuer holds the holder debt and then pays interest and/or repays the loan at a later date. Think of it like a regular loan, only the time you have to repay them can vary largely, most have a 30 year term, some have upwards of 50 years and some don’t have a maturity date at all.

You, if you hold bonds will have to pay interest at fixed times throughout the term, usually on a regular basis and they, in turn will fund your endeavors to finance long term investments. Regular small businesses wouldn’t necessarily have to go down this road, but large conglomerates and the government itself do.

The bond is a form of a loan, albeit a large one. The holder of it is called the lender (think bank or larger) while the issuer is the borrower. Banks aren’t the only institutions that can issue bonds, as public authorities, credit institutions and companies can also do it to build their wealth.

The common process is one of underwriting, where one or more securities firms join together to form a syndicate. This syndicate then buys an entire issue of bonds from the issuer and then resells them to investors around the world. This is the case for many transactions, however, the government has bonds issued at auction which is a whole other issue entirely.

While both stocks and bonds are securities, they do differ in how they are bought, how they are sold and how they are traded. Stocks for instance don’t have a maturity date that you have to pay them off by as they are things you purchase in the first place. Having stock in something is a whole other idea to having a bond in it.…

What You Need To Know About Credit Cards

What is a credit card? A credit card is a card that allows you to borrow money to pay for things. There will be a limit to how much you can spend called your credit limit. At the end of each month you can either pay off the whole of the amount you owe or make a minimum repayment. Other kinds of cards include: 1) A cheque guarantee card, issued by your bank, that you can use to ensure that your cheque will be honored up to a certain limit.

2) A chargecard where you have to repay the full amount at the end of each month.

3) A debit card, issued by your bank, where whatever you spend is immediately deducted from your bank account Do you need a credit card? Using a credit card is a useful way of making purchases: a) A credit card means you do not need to carry huge amounts of cash around and risk losing it.

B) A credit card means you can buy items over the internet.

C) A credit card means you can make purchases abroad without having to worry about local currency.

D) A credit card gives the opportunity to spread the cost of a large payment over several months.

E) A credit card is useful in an emergency. For example, an unexpected repair to your house or car.How do you choose a credit card? The main two UK credit card issuers are Visa and Mastercard. These are accepted in most places and in 130 countries worldwide. Beware of less well known brands that may not be accepted everywhere. Before you choose which credit card is the best for you, remember to read the terms and conditions carefully. Never sign up for a credit card without fully understanding what you are agreeing to. Remember that all the plus factors will be prominently displayed in large print. You may have to study the small print carefully to discover if there are any negative factors.
A list of the current cards on offer in summary is available on this credit card summary page. What You Need To Consider: 1) APR (Annual Percent Rate)

This is the rate of interest that you will pay on any outstanding balance. 2) Special Introductory Rates

You may be offered a low or 0{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} rate of interest for a limited time (Up to 6 months) when you sign up for a new card. A higher rate of interest may be charged for cash withdrawals. 3) Balance Transfer Rate

Card issuers may offer you a lower rate of interest if your swap your balance from another credit card to their. 4) Interest Free period

Remember to check when interest payments will begin. Will you pay interest from the day of the purchase? Or will you have a number of days interest free before you begin to pay? There is usually no interest free period for cash withdrawals. 5) Cashback and Rewards

Some cards over points or rewards for …

Who Loves Money Review – Who Loves Money is the Latest Internet Marketing Guide to Hit the Net

Who Loves Money Review

This is a review of who loves money. I bet you are thinking "here we go again". Yet another launch of some money making ebook that fails in using so called "iron clad" methods which are only successful in emptying your bank account. So why is Who Loves Money different, let's delve a little deeper.

So who is behind Who Loves Money?

Who loves money is the latest offering from two of the hottest marketers around today, namely Kyle and Carson. If you do not know who they are, well, this dynamic duo are the masterminds behind one of the most successful Internet Marketing membership sites on the net today, Wealthy Affiliate. They are also the authors of two of the most respected Internet Marketing ebooks, Beating AdWords and Inside the List, a must in any serious marketer's arsenal.

How is Who Loves Money different from the usual Money Making Dross?

Firstly, you will learn how to use proven techniques that do not require a huge budget, in fact you do not need to invest a dime of your own money.

Secondly, forget the outdated or useless methods given in other ebooks which fail dismally to provide any form of income. Within who loves money you are given a step by step guide into detailed money making techniques. These techniques are not theory or some hyped marketing fantasy, they are actual proven thechniques that are used by Kyle and Carson to earn money online.

Here's an insight into some of the techniques that are outlined in Who Loves Money:

  • How we earned $ 60 / Minute With A single Niche Market (We expose the exact niche & product)
  • How to determine which keywords sell
  • Niche Hunting Exposed – How we do it
  • An In-depth look at Clickbank
  • Penny Pincher Traffic Techniques
  • Kyle & Carson's Slow Roller Technique (Yet to be exposed)

Who loves money is a rare opportunity to learn the exact techniques used by two of the hottest marketers around without losing your shirt. This is a well thought out ebook, so if you are serious about making money online, then I highly recommend this. …

Online Motor Insurance Search

It can be a thoroughly baffling business conducting your own motor insurance search for the best buy. Although it is a very competitive market, and this means that there is a clamor of providers all claiming to offer the best deals in motor insurance, the sheer number of insurers and the proliferation of different insurance packages makes choosing a potentially hit-and-miss Affair. This is when an experienced, professional insurance broker can come to the rescue and help you make an informed and reasoned choice – ensuring you get not only the insurance cover you need, but also the best value for money into the bargain.

The first thing an insurance broker will need to establish is the best type of car insurance that best suits your needs. If the vehicle is old, worth very little and you simply can not afford any better insurance, then the discussion with the broker can be kept very short as you opt for the cheapest possible, most basic, third party cover. This will ensure that you meet the minimum legal requirement for insurance – your liabilities for any injuries you cause others (including passengers in your own car) and damage to third party property will be adequately covered.

The search can be both short and straight forward if you need the slightly wider protection offered by cover against the risks of third party, fire and theft claims – which means that you would at least be compensated up to the value of your vehicle if it is Lost or damaged through fire or theft.

The insurance broker will truly come into his own, however, if your search is for fully comprehensive motor insurance. Since there are more than a hundred companies offering comprehensive motor insurance, each with a number of different packages and each package offering various optional extras. A successful search, in this case, relies on your deciding just what elements you are likely to need.

The principal feature of comprehensive insurance, of course, is that it offers protection for a significantly wide range of risks, even when the loss or damage has been caused by the policy holder's own fault. Therefore, this will cover accidental damage to your own car, including the loss of or damage to any personal possessions left in the vehicle; Personal accident benefit for serious injuries you might sustain in an accident; And cover for any medical expenses you incur.

Although these are the core benefits generally included in all forms of comprehensive cover, it is important to remember that insurers differ with respect to the maximum levels of benefit payable and to the additional features available under the policy. Some of these might be optional extras, for which an additional premium will be payable, and could include: no claims discount protection; The provision of a courty car if your own needs to be taken to a garage for repairs or following a theft; Breakdown or roadside assistance; Legal expenses cover or even an extension of the insurance …

Bacardi Girls Make a Lot of Money to Play in a Pool – Become a Bacardi Girl

Bacardi is a great company that really knows how to present a lifestyle that any young guy or girl would want.

They do a wonderful job with the Bacardi Girls. I have a team of Bacardi Girls that I took with me to Palm Springs for a Dinah Shores event and they had the time of their lives.

They played in the pool while everyone was jumping in to get their pictures taken with them.

I had so many pretty girls approaching me and begging me to become a Bacardi girl.

I must admit, if I was a girl I would kill to become a Bacardi girl. They get to wear and keep some very expensive outfits. They get to go to all the cool parties and hang out with celebrities.

If their is a party and they are serving Bacardi, don’t look to far because the Bacardi girls will be around.

They bring so much pleasure to the event attendees that they beg for the Bacardi girls to stay.

To be a Bacardi Girl, you must be attractive and have a great personality.

I like to hire girls that are seductive and can seduce a man to listen to what they are saying. You want to be able to make a man drool when he sees you. A promotional girls job is to gain the attention of the targeted consumer and entertain them with a great conversation or games.

Girls that have a very nice body and the confidence to pull of a bikini are perfect to become a Bacardi girl.

Bacardi Girls typically make a lot more money than the average promotional model and they also make a lot more money than most college grads.

How many girls do you know that make over $4000 a month for a part time job.

There are millions of girls that are clueless about the promotional world and how much fun it is. When I am in Hollywood doing promotions, I can not believe the amount of girls that would approach me and not have clue how to become a promotional model.…

How to Raise Short Term Working Capital For Your Business

You have a business and you want short term working capital but you don’t know where and how to source it from? Business is full of uncertainties. Risks may occur in your business anytime that require finances.

Four Sources of Short Term Working Capital

1.) Your Own Savings

You can get short term working capital from your own savings without having to worry of paying any interest. But this amount may not be substantial enough to meet all the short term requirements of your business as it is usually small.

2.) Apart of the Long Term Borrowing

The long term loan you had borrowed can be used partly in financing short term requirements. Sometimes this amount may not be available as it’s already fully utilized.

3.) Bank Loans

Banks are the major lenders of money for short term periods. They lend loans for six months. This means that you have to pay them all their money plus a certain percentage of interest within the period of six months. You can obtain from them the secured or unsecured loans depending on the relationship you have with your bank. You may also take an overdraft or cash credit from your bank.

4.) Accounts Receivable

It is the smartest way of raising short term working capital especially if your business is always selling goods on credit basis. Here, the mercantile credit plays a great role in boosting your business transactions. You sell the goods on credit and your customers accounts are debited with the same amounts.

On the basis of your customer’s accounts receivables, you are able to get loans or advances from factors. When the money is received from the factors against these accounts, it’s termed as receivables financing.

Two types of Receivable Financing

A.) Ordinary Account Receivable Financing or Non Notification

This is a system of short term financing. You enter into an agreement with the financing institution which agrees either to purchase the non notification or advance you a certain amount of money against such non notification. Your customers are not intimated with this arrangement.

B.) Factoring

This is the arrangement whereby the factor buys accounts receivable (sundry debtors) of your business and assumes all the risk of non-payment. There is an agreement between you and the factor. The factor pays you money against your customer’s debts.

Five Differences Between Non Notification and Factoring

1.) Factoring assumes liability of bad debts while in non notification the seller is responsible for any bad debts.

2.) Factoring is responsible for the collection of bad debts while in non notification the seller is responsible for collecting them.

3.) Factoring forwards the invoices to your customers while in non notification the seller is the one sending the invoices to customers.

4.) In factoring the customer is informed while in non notification the customer is not intimated.

5.) Factoring is notification of accounts receivables financing while ordinary account receivable is non-notification of account receivable financing.…