Artists are getting discovered everyday online. Some are even gaining jobs online via their artwork. Thanks to the digital age in which we live, artists can use the internet to earn money by selling their artwork, or photos online. In fact, earning money online is easy to do when you sell your photos for money. Many artists are getting paid to draw things for businesses that need designs for marketing campaigns and such. Bloggers and website owners also need photos that they can post on their blogs or websites to make them more visually appealing to their readers. Since not everyone has artistic talent, artists who can create drawings, or photographers who use photography for art, are in big demand.

Earning money online by selling your photos is easy to do. Start by creating a portfolio. If you already have a collection of sketches, you can include those in your portfolio. Photographs of all kinds of things are selling on the internet. You can even go out and take pictures of flowers or beautiful landscapes, or people doing ordinary things, and offer them for sale on websites that let people sell stock photos and drawings.

For example, let’s say you like to draw cartoons in your spare time. Did you know you could make money by selling your cartoon drawings? On a stock photo site you can get as much as $.025 each time someone wants to buy your drawings. Some artists are even getting as much as $10 a drawing. Make money by uploading digital images of your drawings or photos on a stock photo site. If it is well liked, it can be downloaded 500 times or more each month. If a photographer’s photos get as much as $10 a photo download, they could make as much as $5,000 that month.

If you have a large number of your drawing or photos online, just think of how much money you can earn. Even people who do art work for a hobby can do well by selling their artwork online. The main thing to know is that there are online jobs and opportunities available for people who want to sell their drawings today. I started selling my photos accidentally. One day, I was searching for a file in my computer when suddenly I found a cute photo that I had shot during my visit to India. It was a photo of Taj Mahal shot from a distance of one kilometer from the roof of a nearby fort. I uploaded this photo on a website where it was sold at a whopping $2000.00. And since then I was hooked into this photo selling business and it has earned me some serious money.…

With a relatively small investment of less than $ 50,000 you can develop a quarter pusher route that provides you with a good retirement income month after month and for years to come. Many people are already doing it and you can, too. Here is how.

Quarter pushers cost about $ 1300 each for the best quality machines. It is important that you only buy high quality new machines so that you do not experience outages or repairs. If you purchase thirty machines they will cost you about $ 40,000 with shipping. You will also need cash counters and equipment for counting and bagging the coins for deposit, which will cost you about another $ 1,000. Industry averages show that a quarter pusher machine will generate about $ 200 a week in profits, with some operators even approaching as much as $ 1,000 a week in a good location. To be conservative I will estimate on the low side and say that your thirty machines will average $ 100 a week which will be split 50/50 with the location owner. This will leave you with a net profit of $ 50 a week per machine, so multiplied by your 30 machines, this will give you $ 1,500 per week or $ 78,000 a year. Remember that this is a "low end" estimate, so you could easily do much better than that.

Finding locations for your thirty machines is not as difficult as you might think. All a shop owner needs is about 10 square feet of empty space in which to place the quarter pusher, which can then lead to earning a cash profit every week with no investment. The best locations are laundromats, convenience stores, truck stops, diners, liquor stores, tobacco shops, pizza shops or any other places where people gather. You simply offer to install a machine on a trial basis with no obligation and once the profits start rolling in, the location owner will be happy to let the machine stay. There are professional locator services available to secure locations for you (for a fee) if you are not comfortable finding them yourself.

Once the machines are placed, all you need to do is visit each location weekly and split the quarters in the machine's catch bucket with the location owner. The catch bucket is a large plastic tub in the bottom of the machine that catches your profits as they drop from the movable tray. Thirty machines is a manageable route and collections will take about 2 days a week, depending on the size of the geographical area. It is a great retirement income for a small investment in time and money. …

If you, a loved one or a child suffer from the birth defect of Spina Bifida you may already know that obtaining term life insurance can be difficult and expensive. With recent advances in medical technology and procedures, however, many people with this defect are living longer, more productive lives and insurance companies are taking notice by beginning to offer more choices for such policies at rates that are typically lower than have been seen in the past.

When seeking out an insurer for such term life policies it is important to look at the insurer ratings given to the company by not only such companies as A.M. Best but by other consumers who have purchased policies from them. The last thing you want to have to deal with when you have to file a claim against the company is the insurer’s refusal or inability to pay.

Many organizations and support groups for this particular defect have lists of preferred companies to deal with who not only understand your unique situation, but also offer policies that are fairly priced and spell out clearly under what conditions they will pay. With any type of disease or defect that could ultimately lead to an untimely death you will find that insurers usually include clauses in the policy itself that specify that for a certain period of time from issuance the company will only pay a reduced amount. This is to protect them from issuing policies that might be claimed immediately because of the disease and seriously impacting their financial stability.

Your best bet for this type, and indeed all types, of life policies is to talk with your agent directly who can help you create a policy that meets your family needs as well as protect for the future. Agents are there to help you and are the direct liaison between you and your insurance company.…

Why You Should Start A Premium Rate Service Sending Text Messages to Subscribers

Over 16 million people use mobile phones in Kenya. You are able to reach millions of people who are looking for information and are willing to pay you for it through bulk SMS . You would be learning upwards of Kes 2.78 shillings per SMS which, when you add the numbers up, is quite a return.

How to SMS using premium rate SMS How to text message using Premium Rate SMS

Say we have set up for you and shown you how to SMS Gujarati Language lessons to your subscribers:

(A) To introduce a client to your service, you simply ask them to SMS your chosen code word, say "Gujarati", to 5242.

(B) Once your client sends a text message with the word "Gujarati" to 5242, he shall be automatically registered to receive the daily Gujarati text messages that you provide;

(C) You will have provided us with a list of SMS text messages of Gujarati lessons (say 30 SMS text messages, 1 SMS text message lesson per day for 30 days);

(D) Every morning your client will receive one lesson by SMS text message for the rest of the month;

(E) Depending on the volume of SMS text messages per month, you will make gains of Kes 2.78 for every SMS text message that is received by your client;

(F) For example, if you have 5000 clients, you will be sending out 5000 SMS text messages per day. At a rate of Kes 3 per SMS text message, you will be making Kes 15,000 per day or Kes 450,000 per month. Kenya has 16 million plus mobile users. It is not difficult to secure more than 10,000 users for your service. Do the math;

How to SMS Business Tips using premium rate service or bulk SMS

Market for Business Tips

Kenyans are increasingly entrepreneurial with what is unfortunately called "the informal sector" dwarfing corporate business in the sheer volume of transactional volume and the claim on the population of Kenya.

With a 40% unemployment rate (a figure I believe to be a gross underestimate, especially when the authorities consider self-employment to be unemployment), many Kenyans wish, secondly only to getting a job, is getting education.

The wealthiest Kenyans are not employees but politicians with business interests and businessmen with or without political interests. Kenyans are there before enamored to business one way or the other. This makes them very hungry for tips on how to succeed in business.

Outside formal education books, the best selling titles in the book market are what are called management and self-help literature. As Kenyans become busier, tips on what they would have read from these books. There is a carvenous gap between the desired and possessed business knowledge. You can fil this gap using premium rate SMS.

Setting up the premium rate SMS channel

1. The first step is to contact a Premium Rate Service Provider.

2. In the first …

By now all of us of heard about the challenges that many face with credit today. Not only has increasing job losses created a scenario where people can’t make their payments on time, but credit has become more more difficult to get, it least in most financial channels.

I strongly recommend seeking corporate credit, and learning everything that is available to someone who takes the time to build business credit. Business credit is a great solution to obtaining vehicle leases, credit cards, and bank lines of credit for those who have personal credit problems.

In the past credit for business was primarily reserved for those who could afford spending thousands of dollars too corporate credit services and business credit companies to build their business credit score on a new business entity. Today, technology combined lists a robust team of experts anyone who is seeking the ability to build business credit on a new or existing business editing such as a limited liability company or corporation can achieve this for under $300.

This has opened the door for many people who are considering to start a secondary stream of income or even a part time business. You can now simply form and LLC or corporation yourself and quickly in a matter of weeks and months build substantial amounts of corporate credit including leasing a new vehicle that requires nothing more then a good Paydex score.

The purpose of business credit is too obtain Financial Resources for a business with out risking your personal score and personal assets. Business credit does not require a personal guarantee. It does not require an existing or operating business. A good corporate credit system will step-by-step walk you through the process is any help you apply to the right lenders that will get you approved.

It’s important to note that many business lenders do not report to the three major reporting bureaus, Dun &Bradstreet, Experian business, and Equifax business. Only 10% of the corporate credit lenders report to these bureaus. So when the initial stages of establishing corporate score it’s important to know which lenders will give you a positive credit rating. This is how you bill a strong Paydex credit score for your business.

So if you’re faced of not knowing how long it’ll take to repair personal credit, I strongly urge you to take advantage of the way business credit is being built today. It’s much easier to build business Paydex from the beginning with a new business entity then waiting for personal credit repair. You will have much more credit available to you using business credit then you will have available under personal credit. And all this can be done in a matter of weeks or months. Obtaining $100,000 in various lines of business credit is a common scenario for many who use the right business credit system.

Do not spend thousands of dollars, with companies who want their money up front. The best corporate credit companies get paid when they get your …

Apart from having a great product, good sales, good SEO, great marketing, and so on… there is one thing that is vital to the long term growth and success of a startup: good accounting.

And yes… you may not be as versed in numbers as your accountant is. But do understand: its essential to have a working knowledge of an income statement, balance sheet, and cash flow statement.

And along with that a working knowledge of key financial ratios.

And if these ratios are understood will make you a better entrepreneur, steward, company to buy and yes…investor.

Because YOU’LL know what to look for in an upcoming company.

So here are the key financial ratios every startup should:

1. Working Capital Ratio

This ratio indicates whether a company has enough assets to cover its debts.

The ratio is Current assets/Current liabilities.

(Note: current assets refer to those assets that can be turned into cash within a year, while current liabilities refers to those debts that are due within a year)

Anything below 1 indicates negative W/C (working capital). While anything over 2 means that the company is not investing excess assets; A ratio between 1.2 and 2.0 is sufficient.

So Papa Pizza, LLC has current assets are $4,615 and current liabilities are $3,003. It’s current ratio would be 1.54:

($4,615/$3,003) = 1.54

2. Debt to Equity Ratio

This is a measure of a company’s total financial leverage. It’s calculated by Total Liabilities/Total Assets.

(It can be applied to personal financial statements as well as corporate ones)

David’s Glasses, LP has total liabilities of $100,00 and equity is $20,000 the debt to equity ratio would be 5:

($100,000/$20,000)= 5

It depends on the industry, but a ratio of 0 to 1.5 would be considered good while anything over that…not so good!

Right now David has $5 of debt for every $1 of equity…he needs to clean up his balance sheet fast!

3. Gross Profit Margin Ratio

This shows a firms financial health to show revenue after Cost of Good Sold (COGS) are deducted.

It’s calculated as:

Revenue–COGS/Revenue=Gross Profit Margin

Let’s use a bigger company as an example this time:

DEF, LLC earned $20 million in revenue while incurring $10 million in COGS related expenses, so the gross profit margin would be %50:

$20 million-$10 million/ $20 million=.5 or %50

This means for every $1 earned it has 50 cents in gross profit…not to shabby!

4. Net Profit Margin Ratio

This shows how much the company made in OVERALL profit for every $1 it generates in sales.

It’s calculated as:

Net Income/Revenue=Net Profit

So Mikey’s Bakery earned $97,500 in net profit on $500,000 revenue so the net profit margin is %19.5:

$97,500 net profit $500,000 revenue = 0.195 or %19.5 net profit margin

For the record: I did exclude Operating Margin as a key financial ratio. It is a great ratio as it is used to measure a company’s pricing strategy and operating efficiency. But just I excluded it doesn’t mean you …

As we mentioned in the previous article, universal life (UL) was introduced in 1981-82, in response to a historically high interest environment and a consumer awareness of the value of self-directed investments because traditional insurance could not compete with short-term interest rates.

Here are some characteristics as follow

1. Account Value

The account value of a universal life plan is the sum of the gross values of all the investment accounts within the policy, including income, after deductions for the current month expenses.

2. Cash Surrender Value

The cash surrender value of a universal life plan is the current account value, less outstanding loans and surrender charges. Surrender charges are usually based upon a multiple of the minimum required premium for the policy back-end charges are larger than front-end charges.

3. Premiums & Contributions

Premiums are those amounts needed to pay the cost of insurance charges and other expenses for the policy. Deposits are those excess amounts that are of a pure investment nature.

4. Death Benefit Options

The amount of death benefit payable under a universal life policy is based upon 1 of 4 different options

a)Level death benefit: Level coverage throughout the lifetime of the policy.

b) Level death benefit plus cumulative gross premiums: Death benefit increases by the amount of each gross deposit to the policy.

c) Level death benefit, indexed: The amount of death benefit increases, yearly, by a predetermined percentage.

d) Level death benefit plus account value: The total amount of death benefit is always equal to the initial face amount, plus the gross account value. This is the most popular chose by 90% of universal life insurance policies’ owners because

the gross account value is tax free.

5. Premium Flexibility

The premium deposits, plus accrued investment income, must be sufficient to pay for all expenses and deductions, so as to keep the policy in force, tax exempt life insurance contract, flexible premium.

Universal life is not for every consumer

It’s flexibility tends to be reflected in much higher administration costs than are found in traditional whole life plans and the variable nature of the plan may make it unsuitable for those clients wanting guarantees

I hope this information will help. If you need more information, you can read the complete series of the above subject at my home page:…

In 1967, Thomas H. Holmes and Richard H. Rahe, from the University of Washington, did a study on the connection between significant life events and illness. As part of that study, they compiled a chart of the major causes of stress. That chart, which contained 43 causes of stress in 1967, was updated to 55 causes in 2006. Apparently, society is finding more causes to feel stressed.

If you knew the leading causes of stress in your life, would you take action to eradicate them? Can you eradicate stress – or is it an inoperable condition that will be with you all of your life, possibly causing your eventual death?

Which Is Your Leading Cause of Stress?

1. Finances

Most studies agree that finances are a leading cause of stress. In an online poll conducted in 2005 by LifeCare, Inc., 23 percent of respondents named finances as the leading cause of stress in their lives. Financial stress has led the list in many modern polls.

Some who name finances as the leading cause of stress cite major purchases they have to make, such as a home or car. Others are stressed by a loss of income, or mounting credit card debt. For some, financial stress will eventuate in bankruptcy. While college students stress over paying for an education, Baby Boomers and older senior citizens find that retirement income can be a major cause of stress.

2. Work

Closely tied to finances as a cause of stress is work. Our jobs or careers seem to cause constant stress. In the LifeCare poll, 21 percent of those responding listed this as the leading cause of stress in life.

How is the workplace a cause of stress? We worry about getting and keeping adequate employment. We worry about new types of work or new responsibilities. We struggle to climb a career ladder, overwhelmed by the demands. Work conditions may change, or we may have interpersonal trouble at work. Students, especially teenagers and college age students, cite school work as a cause of stress. Sometimes, work stress is brought on by others. Sometimes, we bring it on ourselves.

3. Family

Family, wonderful though each member may be, is also a leading cause of stress. Arguments erupt with a spouse or other family member. Parents divorce. Children marry. The ebb and flow of family life is filled with stress. A child moves out – an aging parent moves in.

Family health is also a leading cause of stress. A sick family member, a serious injury, pregnancy, miscarriage, or abortion all cause stress. Family changes of other kinds bring stress, too. Adoption, relocation, and job changes for just one family member can cause stress for all.

4. Personal Concerns

Personal concerns that are only indirectly created by others are another top cause of stress. Lack of control tops the list of personal concerns. Every human has a deep-seated desire for control over his or her own life. When control is weak or missing in a given …

Gone are the days when gemstones used to be just symbols of fashion. Today, people wear gemstones for specific purposes, as these stones have different vibrations and charges. Gem experts advise different gemstones for people with specific goals in life like improved income, higher levels in job, improvement in health, buying of real estate and many more. Some gemstones are so powerful that you will start seeing results as soon as you start wearing them. Do you want more money to flow in your life? Are you looking for financial prosperity? Are you frustrated because you are hard-pressed for funds? Here is some good news for you. Citrine crystal could be the answer for your problems!

Features of citrine crystals

These crystals contain the power of the sun and are the most recommended healing crystals for clarity of human mind today. This crystal is transparent and comes in light yellow, golden yellow or brown shades. Citron is the name given to lemon in French. These crystals have been named from this word, as they are mostly yellow in color. The yellow component of the precious Quartz stone is called citrine crystal. You can also find these crystals in orange or deep reddish orange shades.

Properties

There are some characteristics that are exclusive to certain kinds of crystals. In this vein, let us look at some of the main properties of these crystals. They also help the human mind to think creatively and are known for helping people with financial well-being. It makes people aggressive and encouragements them to try out newer and wealthier opportunities that they were apprehensive of trying earlier.

Benefits of using these crystals

One of the major benefits of these crystals is that it attracts cash. Therefore, it is highly recommended for people who are looking for improvement in financial health in their lives. It does not need extra maintenance like other crystals. Therefore, you do not have to spend much of your time and money while cleaning these crystals. You can keep citrine crystals in the place where you usually put your money in. Businessmen can keep these in cash boxes so that their profitability increases to a considerable extent.

It is for this very purpose that this crystal is known as the "merchant's stone". However, one important point to note is that these crystals work better when you meditate for a while before using them. The citrine crystals are also known to bring about abundance of mental peace and relaxation in one's life. This is one of the few crystals that come with a flurry of benefits. Some of the purposes for which these crystals are used are the following:

Increases creativity
Improves overall physical and mental energy
Increases confidence and intelligence
Removes all kinds of negative energy
Increases productivity at the workplace
Helps in great interpersonal relationships
Helps in accumulating as well as maintaining wealth – not many stones help in maintaining finances; Therefore, citrine is indeed quite special

So what are you waiting …

It may come as a surprise, but saving money does have it disadvantages in some situations. In this article you will get to know the benefits of saving money but also the disadvantages.

The benefits of Saving Money

If you aren’t as fortunate that you have so much cash that you can do what you want, saving is a really good option. That way, you can afford something (like a new phone) after a few months. Saving for the future is the way to go if you want to do something nice in the future. When buying new stuff or traveling, you are offered to get something now and pay later. Don’t accept any of these offers ever. These offers are evil. It is basically debt, but when you lose your job or your financial situation changes you might not be able to pay for it later on.

When is it better to not save money?

If you have debt (a mortgage or a credit card) it is better to pay of this debt as soon as possible. It doesn’t make any sense to get 4% interest, when debt will cost you 6% (for example). You should pay off this debt, because it saves you a lot of money in the long run. Consider as much overpayments on your mortgage as possible, as soon as possible. It will help you to save hundreds of dollars on the short run. You will save even more on the long run.

The basic saving rule says that you will need 50% of your income. You can spend a maximum of 30% on the things you want in life. The other 20% you can use to save or to pay off any existing debt.…