Online Money Making Secrets For Newbies? The Real Truth Finally Unmasked!

Online Money Making Secrets For Newbies– The Real Truth Finally Unmasked!

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Online Money Making Secrets For Newbies– The Real Truth Finally Unmasked!

By: blogerzoom
Posted: Mar 20, 2010

I finally discovered online money making secrets that in my part of the world are just but myths, but can you blame them?. It has been a long journey for me to get to where I am today. Though I made major and minor errors along the way. We have grown up in an environment where our parents made us believe that they only way to generate wealth is by studying very hard, get employed and then climb the corporate ladder.

I am not claiming that there are no successes in this form of believe; my problem is that only 1% of the people I know achieved this feat, and can now boast to be top managers in big and established companies. As for the rest, they are still wondering why they had to spend countless hours and yet have nothing to show for it. As for me, life took a positive turn when a friend introduced to me online money making secrets.

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One reason that I love online business is that you do not need to be learned to start earning residual income. All you need is to connect with internet business gurus who share their money making secrets on internet business forums. Join these business forums and present valid questions and you will discover most people are more than willing to reveal valuable secrets.

If you are out there and wondering what to do next to achieve financial freedom, then today am advising you to research on legitimate online business programs. With determination, focus and a resolve you will unveil online money making secrets.

Go ahead and sieve the opportunity to learn valuable and substantive information on money making secrets by clicking the link in the recourse box below. Today is your day of reckoning!

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……….Published By Blogerzoom Team.

blogerzoom – About the Author:

Dear all, welcome to my blog on money making secrets and success. Have you been searching for a legitimate home online business ? Lately I’ve come up with a list of credible E-books to assist you earn extra few bucks! Learn from the best in the market, those who have gone ahead and are willing to share their online money making secrets…

Source: http://www.articlesbase.com/online-business-articles/online-money-making-secrets-for-newbies-the-real-truth-finally-unmasked-2020098.html

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A society’s attitude toward public nudity can reveal a great deal about its culture, attitudes and sometimes its religious beliefs. Nudity is sometimes extended to all areas of life, while in other contexts it is confined to certain settings or activities. For instance, some societies condone nudity during athletic activities, while encouraging the wearing of clothing at other times. Standards vary widely from one culture to another.

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10 Online Money Making Opportunities To Choose From

Article by Cynthia Minnaar

Here we take a look at 10 online money making opportunities that are popular today. Although this is a brief overview you can look further into the ones that interest you.

1. Email marketing. Place an optin box on every website and blog that you own to build email lists and then follow up and sell products to your subscribers.

2. Sell your own info products. As people will pay for information on the Internet today this is a huge opportunity. You can make a lot of money if you learn how to create your own information products and sell them.

3. Affiliate marketer. You receive commissions by performing specific actions for an affiliate merchant. These include getting leads, selling products as well as pay per click advertising commissions.

4. Blog writer. Internet marketers will pay for you to write blog content for them. Due to the vast range of blogs online today this can be fun and it is never boring.

5. Join a residual income opportunity. Using the internet you can build a worldwide business very quickly. A great way to get paid on the efforts of others and build residual income.

6. Sell a service. Today Internet marketers will pay you to build their websites, write blog posts, write and submit articles, design website graphics, create videos and much more.

7. Buy and sell domain names. This is an exciting business opportunity that is growing very quickly. You may even purchase domain names and hold on to them and watch them appreciate in value.

8. Start selling private label rights (PLR) products. Internet marketers love to sell PLR products because they are already developed. PLR products are ideal for people who do not have their own products to sell. You can customize them to make them unique before you sell them and keep all of the profits.

9. Sell things on eBay. Many people start by selling things they have in their house. They then venture into more businesses selling affiliate products or joining a drop shipping company.

10. Become a VA. VA is short for virtual assistant. Here you could build a business and work for a number of online businesses or work full-time for just one internet marketer.

The above are 10 top online money making opportunities that you can get excited about. Making money with one or more of these is something anyone can do on the Internet today.

About the Author

Cynthia Minnaar, the owner of cyns-home-biz.com, runs her online business ideas website full time from home. She invites you to visit her site for a variety of proven online money making opportunities.

Online Money

Article by Nick

  There are actually a lot of ways to earn extra money online that are not out of your reach.   You can earn money online from home.   Simply put, every time someone buys a product or service you promote and do not own you will receive a healthy percentage of that sale. com and CommissionJunction.   It does not cost a dime to become an affiliate and promote literally thousands of different products.   The product you choose has already been developed and proven by its merchant company.

* eBay sales

Almost everyone has extra junk around the attic or house that you will never use.   There is also the option of becoming an eBay power-seller.   There are multiple wholesale sites where you can find in demand products to sell.

* Google AdSense

Owning your own web page or blog can net you even more money.   This program is free to join and is not hard to take advantage of. If you do not have a blog you can start one for free at Blogger.   Another online money making idea to make money online is with a blog.

* Writing Articles

Another way for online money making ideas is to write articles and submit them to various article directories online.   If you have the time this method is definitely worth it.   When you first get started I suggest that you choose products that relate to the articles you have written.   This method does take more effort than some of the others I have mentioned above.

When online money transfer first came into light, it eliminated the need to make cheques and send it to another part of the world through postal services, couriers, etc. that too without having to visit the bank personally. No matter how remote the place where your friends or relatives are, or your beneficiaries are, you can send him his due in a matter of minutes. A few online money transfer service providers have developed innovative ways to transfer money worldwide. Your beneficiary needs not have an account to access the money.

Popularity that private players have got for online money transfer worldwide has been their rightful due. In other words, online money transfer is considered the safest way to transfer money because in case of most operators, the money is constantly tracked via a unique ID.

Today, you will come across many providers of online money transfer services. Transferring large or small sums of money is a matter of few clicks now, as customers sit in the comfort of their home and do most of their banking online. Think of it this way. Therefore money can be made online for sure. Where shall I start?

Well depends on person to person. The very first thing you need to do is to select an appropriate niche which would make you good money online. The best way to beware of them is to read online money making reviews on several companies and also check the online money making companies which have been blacklisted as scammers. Some companies would offer you money just for filling out forms and answering surveys.

-How much money can be made online?

Well there are no limits to how much money you can make online. Several people are making millions of dollars every year online. For example if you wish to sell your own offline products online than it would cost you some money to get a website up and running. And once you have made enough money online you can invest your earnings and profit out of it.

for more info click the link below

http://www.payzeno.com/a/Bellonel/9892

About the Author

Nick Domenecci

wealthsponsorsystem.com Add me on skype (the7figuremarketer)) and we can talk! shoot me an email askgenewolff (at) gmail.com, if you would like my phone number to give me a call, goto my website and optin. I dont post my phone number on youtube because theres these spammers called phone broadcasters who scrub youtube all the time for phone numbers to spam people. how to make money online, make money online now, make money online fast, make money online paypal, make money online free, how to make money on youtube, how to make money on facebook, how to make money on twitter, work from home business, work from home business opportunity, affiliate marketing programs, mlm pre launch, how to generate mlm leads, how to make money now, way to make money online, honest ways to make money online, legit ways to make money Find out the top 3 reasons why you will fail to learn how to make money online now, free today in the work from home industry! Home business opportunity, work from home using affiliate marketing and make money online with a real legitimate online home based business opportunity work from the comfort of your own home internet business opportunities with the best system on the net Best Home Based Business The World’s Best Home Based Business Steps to start a Home Based Business Starting Your personal Home Based Business Home Based Business Possibility Home Based Business Opportunity Home Business Best real online home based business opportunity listings. Free home
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Online Money Making Is There A Secret Formula?

Online Money Making Is There A Secret Formula?

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Online Money Making Is There A Secret Formula?

By: becom a distributor
Posted: May 21, 2011

Don’t believe all you hear on the internet about online money making secrets because most of them are just a load of crap. There are so many get rich schemes out there that try to sell some making online money secret. Do Not Get caught up in that trap! There are many ways to make money online and there is no secret formula to it. If you are willing learn, work hard, and never give up you can succeed with a online business.

The statement: If say if you work hard you can succeed is not totally true because you still have to know how to work hard the right way, and if your are willing to never give up eventual you can become successful through trial and error. All successful internet marketers have gone thru this process even if they had a business mentor. You are going to find out quick, that sometimes you need to just concentrate on the basics and build as you go, because there is a lot you need to learn to be successful online.Nothing will ever replace hard work. Hard work may be hammering away at nails all day, pounding away on a keyboard, or making tough choices from the confines of your office at work. No one ever got rich from sitting around, unless you count those that inherit money.

It is just a plain and simple fact that you are going to have to earn your money unless you are one of the few that is inline to inherit money our you are lucky enough to win the lottery. The only online money making secret that I can recommend is to find something you have a passion for as an online business or career choice. Folks when you chose a career path you probably looked at different job opportunities that you thought you would enjoy working in the rest of your life. You choose a path where you could make good money to take care of your family and so you wouldn’t become bored everyday. I am here to tell you it is not different when you start looking for a opportunity to making online money.

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Ok, here a money making secret that is really not a secret at all, but is just a basic business principle that you need to do, and you would be surprised by how many people disregard this principle. A successful business takes in more money then expenses! You need to be aware how much you expenses are and how much money you are taking in. subtract your expenses from what you are taking and that’s your net profit or loss. Folks this should be common sense but many of us get caught in the trap of buying things on credit and pretty soon we are paying out more then what we are earning. This is practice that will having you working the rest of your life. Make some adjustments and get out of that trap right now. If you want to retire without money worries, or if you want a profitable business you should rethink your habits. That great pair of shoes or that awesome sports car won’t help you much when you are 65 with no retirement savings.

There are many financial principles that some people think should be classified as online money making secrets, but the truth be told, these so called secrets are nothing more then simple business principles that you should be learning to be successful anyway. A classic example would be that you should always attempt to make more money then you spend. Also that you should always put a percentage of your profits into savings.

This is not meant to be complex for example you could find a high interest rate savings account. Stocks and bonds as well as a 401k or IRA are good options too. If you are not comfortable with investing then you could contact a financial consultant to get advice. All you have to do is visit a bank because they normally have financial advisers on staff.

If you know someone that seems to do well with money, and they are successful with a online money making business and you don’t feel it to be an improper conversation, ask them for help. When you approach people for help be very tactful and let them know you need some help managing your money politely. Most successful people will be willing to guide you in the right direction to do more with your money. The main thing you need to do is listen and learn. Then gradually you will begin to change your money habits and move in the right direction.

becom a distributor – About the Author:

Special Details On online money making Visit Our Link Today!

You can also get some more details by visiting the following link online money making

Source: http://www.articlesbase.com/entrepreneurship-articles/online-money-making-is-there-a-secret-formula-4798907.html

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Is Online Money Transfer a Good Payment Option?

Article by Send Money Online

It is a fact that online money transfer service has simplified life and eliminated the need to use checks and reduced the time for payment transfer. Additionally, it saves you time and there is never a need to go to the bank. The best advantage of online money transfer is that the beneficiary is able to receive the payment or money within a span of a few minutes, anywhere in the world.

Today it does not matter where your family or friends need the money as online money transfers can be made anywhere in the world. Additionally, you do not need to have a bank account to make the payment. Many of the online money transfers service providers have developed innovative methods for payments online and money transfers. Most of the service providers have easy steps to register online, get an account instantly, put some money into the account and then send it to the person, you want to. Similarly the person you send it to does not need to have an account to receive the money or have access to it.

With global businesses making a presence felt on the ecommerce, individuals selling products online and numerous freelancers working on international projects, online payment transfer service have rightfully gained popularity. The reliability and security provided by these service providers for instant transfers worldwide is appreciated. Basically, it is easy to understand that online money remittance are safe ways of remittance as most operators use a unique ID for every transaction which is constantly tracked. This helps to make sure that the money is received to the beneficiary.

With the advent of better connectivity, there are numerous monies transfer service providers serving ecommerce and multinational operations across the world, you just cannot do without online money transfers. Whether you need to transfer or ,000, it is just a click away with online banking and you can make or receive the payment within a few seconds.

Though there are just a few online transfer service providers that provide secure services. Well, security is all about incorporating the latest technologies and required safeguards that makes such transactions faster and easy. Most of the online transfer facilities need to deliver safe and speedy transfer solutions on numerous platforms. When you are looking for a reliable online money transfer service provider, it is best to see the available safeguards and security options. Even if you are not a technical person, you may read the user FAQs and user feedback on forums and blogs.

If you have doubts about the efficiency or any other query, the customer care can be accessed. That will help you get a better idea about their rules and security. You may browse online and look at the various money remittance services that are available with easy to read instructions and user friendly websites. No longer do you have to spend sleepless nights worrying over whether or not your payment reached the business or beneficiary. Today it is simple- just log on, send the payment and get a receipt of the transactions.

About the Author

Learn about money transfers around the world and what options are available based on country and fees. For more information on send money to usa Visit home page http://www.sendmoney101.com/

Make Banking Easier With Online Money Transfers

Article by Send Money Online

It is even easier than before to transfer money and with this feature as well as the internet it makes banking easier as well. Banking customers have access to their accounts 24/7. The internet has made that possible. Customers can maintain their accounts online, pay bills online and even make money transfers online. All of this access makes banking easier. Customers are in control from their homes or while away on vacation, they are making baking easier through constant access.

What is an online money transfer? This is often considered when a bank customer wants to send money to another country through their bank. A bank provides this procedure which allows customers to send money to a country that has a branch of that particular bank. The transfer will also be converted to whatever currency used in the other country. Most transfers are instance with others only taking a few business days. Banks also provide messages and updates about the procedure allowing the customer know where the money is throughout the process.

An online money transfer replaces the past procedure used to transfer money. The old way was not an instant process and actually took a large amount of time leading the sender and recipient to both be nervous that the money would get to the right person in time to be useful. There was a lot of waiting for money order checks to arrive.

This all changed with the internet and more banks becoming globalized. Banks could provide more services including online money transfers to clients. Another part of online money transfers are Mutual Funds, stocks, Equity and bonds trading which also provide online money transfer service. There are other online money transfer services available as well including PayPal and other services. Money can be in one country one minute and then with the click of a mouse can be in someone else’s account across the world. It is easy!

Anyone with a computer can transfer money online. If they have the internet it is easy, but they can often also call a service number to transfer the money. It could come directly from a bank account or transferred from a credit card. The money can be transferred from anywhere the sender can stay at home or if they are in the office send it from there. The recipient benefits from this service because money can be put directly into their account instantly. If they need money in their account to pay a bill or handle an emergency and a friend or family member can help then an online money transfer it the answer. Money can even be sent to a re-loadable card that can be used the same way as a credit card. It is easy to load and easy to use.

Make banking easier with online money transfer using one of many different options. If this is something used frequently using a bank can even save money in some instances.

About the Author

Learn about money transfers around the world and what options are available based on country and fees. For more information on send money Overseas Visit home page http://www.sendmoney101.com/

Yes, I tried all of these things before, and yes they all work. Some of them you have heard of before, but some of them you may have never thought of. Here is my quick guide on how to make some quick cash online.

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Money making tips at home

By: samratkfle
Posted: Feb 03, 2011

Are you sick and tired of living paycheck to paycheck? Are you pulling your hair out because you just never seem to have sufficient money? Have you always wanted to invest but didn’t have the more money or didn’t understand how? In this article I am going to give you some quick and easy money making tips that will help you earn more money, save extra money, invest more money, and achieve out of debt whether you are making any extra money or not.

Tip 1: Debt reduction plan set it up and use it immediately. Most people don’t understand how to set up a debt reduction plan but it’s simple. The average consumer credit card charges 18% interest so you will me making a new 18% on your money just by paying off your debt. There is not an alternative investment out that can guarantee that kind of return. Paying of your debt is crucial.

Tip 2: Learn to invest your money starting with small amounts. A giant web site to learn the basics of investing is http://www.investopedia.com. A great place to start investing small amounts of money is http://www.sharebuilder.com. If you have saved up at least 0 then I would recommend starting at http://www.scottrade.com. If you don’t know where to begin investing and you are impatient then I would recommend the Vanguard S&P 500 Index Fund. Just do a search for it on google and you can find out how to reach started. Don’t make investments a dime in to anything until you have paid off your debt.

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Tip 3: Save 3 to 6 months worth of income in an interest bearing account like Paypal’s money market account. This will serve two purposes first, if there is an emergency you will be better prepared and while that money is waiting to be used it is earning you interest. Second, by having a good emergency fund you can increase insurance deductibles which is our next tip.

Tip 4: When your savings is substantial sufficient immediately increase your deductibles to levels that you could easily cover with what you have in savings. You have to under stand that insurance is a game of odds with the odds always in the houses favor (insurance company). Increasing your deductibles lowers your premiums and keeps you from filing smaller claims that could end up increasing your premiums later.

I have shared with you 4 easy money making tips. The simplest method to make money is to have your money working for you so that you do not have to. The first step is achieve to the point where your money can work for you hence, reach out of debt. Next, develop the education to learn how to put your money to work, don’t be intimidated the basics are simple to learn. Also be sure to build an emergency fund this will not only be able to earn interest for you but also be able to save you money by allowing you to increase your insurance deductibles.Article by seo expert,,,

samratkfle – About the Author:

Hello all this is sam­rat kafle.I often make myself busy on blog­ging and inter­net mar­ket­ing i share my knowl­edge and tips with all of you.

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home based job to make some cash

Finally, I feel myself obliged to warn those who are fresh to earn from home. While searching for “earn from home”, always try to make sure that the job offer you found is not a fraudulent business scheme. Once I read something on a homeworking.com forum – employers are never begging people to work for them. They always offer a particular job and look for a particular person with the needed skills. If a job offer gives no details, have in mind that this may be something wrong. Such type of “job

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Additional articles and tips on the earn from home without investment and easy making money ideas topics can be found on The Biz Hunter web site. We provide you with free, detailed information and reviews to find legitimate work from home jobs and to make investments for retirement in Forex, stocks, real estate, options and other investment vehicles.

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Maverick Money Makers Online Money Making Opportunities

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Maverick Money Makers Online Money Making Opportunities

By: Tim Martinko
Posted: Mar 05, 2009
Views: 188

Finding the best training or printed material on successful online marketing is a big headache. Even finding quality material in a video clip is almost unheard of. The search could be discouraging and tiring. The web is now packed with a lot of…what I refer to as “space junk”. How do you find the material online money making opportunities on the internet?

While surfing, I stumbled on Mack Michael’s Maverick Money Makers website. “Just another one” I thought. To be honest, I was sure this was a time waster. But by the time I was finished I was surprised. Could this be ligitimate? Or Could Maverick Money Makers be a typical scam?

From the clarity of Mack’s voice to the hight standard of the videos, from the testimonials of members to thelayout of his webpage, the high standard was very evident. Mach’s tutoring and presentation was well done to where a 5 year old would understand him. When Mack talks on his home page at Maverick Money Makers, web surfers have no doubt about the quality.

I tried to find as much information about the Maverick Money Makers club and finallydecided to use the 60 day guarantee to see the legitimacy of the program since I would get my money back within 60 days if I didn’t like his product. Proving everyone wrong was my main focus. You see, I’m one of the biggest critic, skeptic and pessimist of these programs, north of the border.

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Signing in for the 1st time really grabbed my attention. To say what I saw made me into one of Mach’s biggest cheerleaders is an understatement. eBooks, Videos, articles, audio files, banners were all there to provide a very successful online marketing career. Really high end material. For example, each video is packed with details. Over 45 mins in length, “over the shoulder” screen displays and examples. From internet novices to experts, understanding Online Marketing very easily. Are you wondering by now, what’s ‘inside the box’?.

This is what you’ll find:
seven Videos on seven quick ways to start getting an income online right away! Mack calls this section the Quick Money Blueprint System.

12 thorough step-by-step tutorial Videos, which are over 40 minutes in length. Mack calls this the Complete Core Training System section.

twenty videos that teach everything about setting up yourself on the internet, from mastering Google adwords to PPC to registering a domain name. This section is called the Skill-set Training System

As if that wasn’t enough, Mack Michaels also made available:
Your Point and Click Rolodex – Mack provides all his internet tools, links & tricks for his members so that they all could succeed the same way he did. A personal word here: If you think internet businesses could get crowded, think again. The amount of niches out there to be tapped into is as many as the sand on a beach, covering all markets would be very difficult.

‘Ready-for-market’ Products to Sell – with hundreds of eBooks and associate articles, banners, editable graphics & a lot more for each. You have everything you need to get started in your online business.

Finally, the club also gives marketable Niche untapped ideas waiting for someone to exploit.

But that is not all…
10 very gripping audio files from a millionaire that are over four hours. Mike Vance encourages you to begin changing your mindset and think like a millionaire!

Did you ever paid for something and felt your purchase was worth far more than what you paid? That’s exactly how I feel about Maverick Money Makers each and every day. I just gave you, more of an in depth insight about Mach’s website than what many other members reveal in their promotions. Check my blog for more reviews.

We all know money does not grow on trees or drop from the heavens. What you will find is; following Mach’s coaching, you see a big difference in your money situation. So take my advice, or do your loved one a huge favor, begin putting Maverick Money Makers to the test. This is one online business that delivers!

Tim Martinko – About the Author:

Tim Martinko is a successful Online Entrepreneur who enjoys make money and sharing his techniques with others to do the same. In this bad economy, Tim tries to get as much information infront of web surfers through his blogs

Source: http://www.articlesbase.com/online-business-articles/maverick-money-makers-online-money-making-opportunities-803990.html

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Easy Money Making Ideas For Kids

Article by Derrick Janson

If you have children then you are probably well aware that most kids constantly want things and would like to spend money. Allowing them to have all of their wants without any of the financial responsibility for them is not responsible as a parent because it does not teach them that they have to work for things. There are some easy money making ideas for kids that can teach them this valuable lesson.

Some people think that the best thing to do with kids and money is to freely give it to them. This is because they do not want them to ever think about financial problems during their childhood but this could be a really bad thing. The value that is being taught is that someone should just give you money not the reality that money is earned.

One good thing that children need to learn is that they have to earn money. This can be something that is hard to teach. An easy way of doing it is by having them complete chores for money that they can spend any way that they want.

When it comes to earning money kids have a number of special opportunities. Kids could have a lemonade stand. They could also find a job where they get to take political campaign advertisements and materials or sale bills door to door.

There are many great options for children who want to be outside like washing cars or mowing lawns. If being outside is not the top choice then there is always babysitting or having a bake sale. You might also find that animal loves enjoy helping care for pets or walking dogs.

The last thing that you could consider as one of the money making ideas for kids is offering and allowance. An allowance is a way that you can get your kids to do the things that they need to around your house. Plus they get to learn how to earn money and you can even use this as a way of teaching saving.

About the Author

Derrick Janson is an expert in Teaching Kids About Money. He has taught about money making ideas for kids topics, allowances, budgeting and saving money for kids.

^CLICK THE SUBSCRIBE BUTTON^ RuneScape Money Making Guide With Skills UPDATED MONEY GUIDE: www.youtube.com This guide will show you all the methods to make money with Skills. This will include, Farming, Runecrafting, Woodcutting, Fishing, Crafting, Hunter, Smithing, Mining, and Fletching. Help this become one of the best Money Making Guides on Youtube Plz Favorite or Feature this video on your Youtube Channel MISTAKES: Sorry i made a few mistakes in this video: Fletching Yew Long bows: Experience Per Hour : 150k Cash Gain Per Hour : 50k Woodcutting Magic Trees: Levels Required : 75 Woodcutting Levels Recommended : 90-99 Woodcutting_____Legal Disclaimer_____ RuneScape is a registered trademark of JaGeX Limited. I do not claim, or have any, affiliation with JaGeX Ltd. This video was not intended for any personal gain, only for entertainment purposes. All comments by others are their own and I do not take responsibility for their actions. Consider this, free advertising www.runescape.com Songs Used: This music was used with permission of DJ COLD TRANCE. The music used in my videos is used as background music only with no intent of redistributing it. youtube.com

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Building Rich Money Habits 101: my personal finance story

By: Rich Money Habits
Posted: Oct 24, 2009
Comments: [1]

I have always thought there’s only one formula in making money.  That is work hard and at the end of each month, you get your paycheck.  Growing up in a family of farmers, I have seen what working hard really means.  I’ve experienced waking up early in the morning, go to the farm, plant or harvest rice until the sun sets in.  When you go home after a long day of working, the aching muscles says it all.  It is HARD work.  I’ve learned from my parents that if you want to have some money, you have to work  for it.  Often times, I’d go along with my mom to harvest tobacco leaves from a nearby town, and afterwards, she’d pay me for how much I was able to harvest.  That’s always been my training in terms of making money.  That was my first money habit – work to earn.

When I was in College, I wanted very much to help my parents pay for my education.  I was fortunate to have been granted a full scholarship, so that took care of the tuition.  Even then, making money from a far away province, and spending it in the most expensive city in the country is no easy task.  It is an uphill battle similar to walking up to a going down escalator.  So in my own little way, I also tried to make money by applying as student assistant to one of the universities’ projects.  It doesn’t pay much since it is a government project but enough to pay some of my daily expenses and grow my confidence.

After graduating, I immediately started work as a mainframe programmer for a multinational IT company.  The offer I got then was around 16,000 pesos which was BIG money then for someone who’s fresh out of college and don’t have much working experience.  I worked very hard and was fortunate enough to be promoted almost every year.

As my paycheck increased, my appetite for consumption also increased.  I bought a refrigerator, a washing machine, gas stove, shoes, etc, ALL at the same time, EVEN when I didn’t have the money to pay for it.  I just used my new credit card!  That’s when my debt started to pile up.  The “easy” monthly payments never lived up to its promise.  No monthly payment was easy, especially when you only have your paycheck to rely on.  As my debt seemingly increased every month, I also had to worry about paying my monthly house rental, buying groceries, eating out with friends, and more.  There were times I was so out of money I even had to do “cash advance” on my credit card.  As some of you might know, you get to pay a hefty “fee” for doing a cash advance.  This is on top of the amount of money you actually “advanced”.  My already big debt, ballooned even more!  I was so ashamed of having to do cash advance, I promised right there and then, I had to pay for my debt no matter what.  It was like a having compound interest working against me.  I had to learn how money works.  I had to figure it out no matter what.  I had no choice.

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While pondering my huge debt, I tried to look for ways to earn more money.  I tried doing some programming projects for friends.  I even entered the world of network marketing, tried selling wellness products and failed miserably.  I remember that my only “downlines” (a term indicating those you’ve recruited into the business) was my mother, my aunt, and a few of my friends.  It was a learning experience.  The thing that struck me most, was that my “need” for money, was being transferred to my “clients”, without me being conscious of it.  It was hard “selling” something you don’t 100% believe in and it’s even harder when your motivation is “making” more money without necessarily helping other people.  I think this mindset barrier is one of the reasons why I was not able to make it work.  Everyday, I had to battle with myself.  Am I here to really help other people?  Or is it just because of the money?

One time, while me and my friends were hanging out at a bookstore, I saw the book Rich Dad, Poor Dad by Robert Kiyosaki.  I heard my friend say it’s a great book, so I bought it, took it home and devoured the stories and financial lessons in the book.   The book opened my eyes to the world of money I never knew existed before.  That’s when I realized that the rich have different sets of money habits from the poor and the middle class.  For the first time, it finally made sense why I can’t seem to be making a dent on my credit card debt; why I can’t seem to sell anything at all.  Because I had the wrong money habits.  I had to learn rich money habits to achieve financial freedom.

After that, it got me excited to learn more about money. First, I signed-up for our company’s savings plan.  I started really small. At first, only about 2% of my paycheck is automatically deducted and kept under my savings account.  I don’t even get to hold the money.  After a month, I increased it to 5%, then to 10%. After a year of saving, I was able to set aside 20% of my paycheck without necessarily scrimping myself too much.  That was rich money habit #1 – pay yourself first.

With the savings, I had, I was able to pay my debt slowly buy surely.  More than that, it gave me confidence to know that I can do it, with the proper discipline and rich money habit.  When the opportunity came for me to be assigned to the US for a 6-month stint in my company, I was able to save even more and pay-off the rest of my credit card debt. That was rich money habit #2 – get out of bad debt as soon as possible!

I also started to take serious notice of the numerous calls I got from insurance agents offering life insurance.  Before, I would always make up numerous excuses just to avoid talking to them.  But now, I wanted to know more how I can use the different insurance products to protect myself and my family.  I also started reading more on business, money, investing and personal finance.  After a few years, I managed to save up for an emergency fund.  That’s rich money habit #3 – Get some protection!

I’m still a long way to go from financial freedom.  That is my goal.  I am in the process of learning how to build passive and semi-passive income, and I am loving every minute of it.  In this website, I will share whatever I learned so that you too can build your own rich money habits and ensure your financial success and freedom!

Rich Money Habits – About the Author:

Allan Inocente is the owner of Rich Money Habits by akosiallan.com You can learn more about him at http://www.akosiallan.com/about

Source: http://www.articlesbase.com/personal-finance-articles/building-rich-money-habits-101-my-personal-finance-story-1374764.html

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Nov 29, 2009

Increase Your Financial IQ Book Review – Part 2: Protecting Your Money

Rich Money Habits takes a deeper look at Robert Kiyosaki’s book ‘Increase Your Financial IQ: Get Smarter with Your Money’. This article is part 2 of the book review which digs into Financial IQ #2 – Protecting Your Money.

By: Rich Money Habits

Finance >
Personal Finance
Nov 29, 2009

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PAYPAL VERIFIES THAT THIS INVESTMENT SCHEME IS 100% LEGAL AND IS A
BIG HIT THIS YEAR SEE THEIR NOTE BELOW OR ASK THEM DIRECTLY… THIS
SCHEME MIGHT TAKE 15-30 MINUTES AND JUST , BUT IT IS 100% WORTH IT TO

MAKE THOUSANDS SO QUICKLY. THIS IS NOT ANOTHER SCAM THAT
TAKES LOTS OF YOUR HARD EARNED MONEY; THIS IS A NO RISK INVESTMENT THAT

WILL MAKE YOU THOUSANDS OF DOLLARS VERY EASILY AND QUICKLY.

>From PayPal:

“Dear Member, it has come to our attention that there
is a paypal scheme floating around at the moment you
may have heard or seen the scheme. You may have
even taken part in it well we have been asked a lot of
questions about this scheme the answer is yes it does
work and yes it is safe to use providing you follow the
rules it is legal and has made a big hit on the internet
this year. If you would like to take part in this scheme
or would like a bit more information then please see the
attached file that was kindly donated to us. Thank you for
using PayPal!”

TURN INTO ,000 IN ONLY 30 DAYS…HERES HOW!

You have most likely seen or heard about this project
on TV programs such as 20/20 and Oprah, or you may
have read about it in the Wall Street Journal. If not,
here it is below – revealed to you in step-by-step
detail. This program is by no means new. It has been
in existence in many forms for at least a decade. But
in the early days, it required a lot more time and
effort, as well as an investment of a few hundred
dollars. However, thanks to PayPal and the Internet,
the investment is now virtually ZERO! And what’s more,
the entire process is FASTER, EASIER, and MORE
LUCRATIVE than it has EVER been! Below is the email
sent to me:

How to Turn into ,000 in 30 Days with PayPal
I WAS SHOCKED WHEN I SAW HOW MUCH MONEY CAME FLOODING INTO MY PAYPAL
ACCOUNT I turned into ,706 within the first 30 days of operating
the business plan that I am about to reveal to you free of charge. If
you decide to take action on the following instructions, I will
GUARANTEE that you will enjoy a similar return! STILL NEED PROOF? Here
are just 3 testimonials from the countless individuals who decided to
invest nothing more than and half an hour of their time to
participate in this program:

“What an amazing plan! I followed your instructions
just 3 weeks ago, and although I haven’t made 15 grand
yet, I’m already up to ,135. I’m absolutely gob
smacked.” -Pam Whittemore , Ohio

“Well, what can I say?… THANK YOU SO MUCH! I sent 40 e-mail’s out
like you said and then I just forgot about the whole thing. To be
honest, I didn’t really think anything would come of it. But when I
checked my paypal account a week later, there was over ,000 in it!
After 30 days I now have over ,000 to spend! I can’t thank you
enough!”-Juan Tovar, NY, NY

“I was shocked when I saw how much money came
flooding into my paypal account. Within 3 weeks my
account balance has ballooned to ,449. At first I
thought there had been some sort of error with my
account!” -Richard Barrie, Boulder, CO

The only things you will need are: An email address. A
Business PayPal account with at least deposited in
it, and just 15 to 30 minutes of your time. This
program takes just half an hour to set up. After that,
there is absolutely no work whatsoever to do on your
part. You have absolutely NOTHING to lose, and there
is NO LIMIT to the amount of income you can generate
from this one single business program.

Let’s get started, just follow the instructions exactly
as set out below and then prepare yourself for a HUGE
influx of cash over the next 30 days! Here’s what you
need to do. . .

REQUIREMENTS

#1) an email address
#2) a Premier or Business PayPal account

STEP #1 – Setting up your FREE PayPal Account

It’s extremely safe and very easy to set up a FREE
PayPal account! Copy and paste this to the address bar

https://www.paypal.com (notice the secure “https” within the link)

Be sure to sign up for a free PREMIER or BUSINESS
account (and not just a PERSONAL account) otherwise
you won’t be able to receive credit card payments from
other people.

STEP #2 – Sending PayPal money “It is an undeniable
law of the universe that we must first give in order to receive.”

Now all you have to do is send .00 by way of PayPal
to each of the six email addresses
listed below.

Make sure the subject of the payment says… *PLEASE
PUT ME ON YOUR EMAIL LIST* (this keeps the program
100% legal.. so please don’t forget!)

Note: (If you do not see the full email address for the 6 members, just

hit reply To this email and they will show up.)

(Just in case you still haven’t opened your PayPal
account yet, use this link to open one in your name),
https://www.paypal.com

#1) faithmichelle…@yahoo.com
#2) reesef…@yahoo.com
#3) artoffic…@grics.net
#4) wingm…@shaw.ca
#5) chr0m3spar…@yahoo.com
#6) scottchelsea@tiscali.co.uk

Remember, all of this is ABSOLUTELY LEGAL! You are
creating a service!

If you have any doubts, please refer to Title 18 Sec.
1302 & 1241 of the United States Postal laws.

STEP #3 – Adding Your Email Address

After you send your six .00 payments, it’s your turn to add your
email address to the list!

Take the #1) email off the list that you see above, move the other
addresses up one (6 becomes 5 & 5 becomes 4, etc) then put YOUR email
address (the one
used in your PayPal account) as #6) on the list.

**MAKE SURE THE EMAIL YOU SUPPLY IS EXACTLY AS
ITAPPEARS IN YOUR PAYPAL ACCOUNT.**

STEP #4 – The Pure Joy of Receiving PayPal Money!

You are now ready to post your copy of this message,
to at least 200 newsgroups, message boards, etc. (I
think there are close to 32,000 groups)

All you need is 200, but remember, the more you post,
the more money you make – as well as everyone else on
the list! In this situation your job is to let as many
people see this letter as possible. So they will make
you and me rich!!!! You can even start posting the
moment your email is confirmed. Payments will still appear in your
PayPal account even while your bank account is being confirmed.

HOW TO POST TO NEWSGROUPS & MESSAGE BOARDS

Step #1) You do not need to re-type this entire letter
to do your own posting. Simply put your CURSOR at the
beginning of this letter and drag your CURSOR to the
bottom of this document
, and select ‘copy’ from the
edit menu. This will copy the entire letter into your
computer’s temporary memory.

Step #2) Open a blank ‘Notepad’ file and place your
cursor at the top of the blank page. From the ‘Edit’
menu select ‘Paste’. This will paste a copy of the
letter into notepad so that you can add your email to
the list.

Step #3) Save your new Notepad file as a .txt file. If
you want to do your postings in different sittings,
you’ll always have this file to go back to.

Step #4) Use Netscape or Internet Explorer and try
searching for various newsgroups, on-line forums,
message boards, bulletin boards, chat sites,
discussions, discussion groups, online communities,
etc. EXAMPLE: go to any search engine like yahoo.com,
google.com, altavista.com, excite.com – then search
with subjects like ?millionaire message board? or
?money making message board? or
?opportunity message board? or ?money making
discussions? or ?business bulletin board? or ?money
making forum? etc. You will find thousands &
thousands of message boards. Click them one by one
then you will find the option to post a new message.

Step #5) Visit these message boards and post this
article as a new message by highlighting the text of
this letter and selecting ‘Paste’ from the ‘Edit’
menu. Fill in the Subject, this will be the header
that everyone sees as they scroll thru the list of
postings in a particular group, click the post message
button. You’re done with your first one!
Congratulations! THAT’S IT!! All you have to do is
jump to different newsgroups and post away. After you
get the hang of it, it will take about 30 seconds for
each newsgroup!

REMEMBER, THE MORE NEWSGROUPS AND/OR MESSAGE BOARDS YOU POST IN, THE
MORE MONEY YOU WILL MAKE!! BUT YOU HAVE TO POST A MINIMUM OF 200**

That’s it! You will begin receiving money within days!

**JUST MAKE SURE THE EMAIL YOU SUPPLY IS EXACTLY AS IT APPEARS ON
PAYPAL.**

$ $ $ $ $ NOW THE WHY PART: Out of 200 postings, say I
receive only 5 replies (a very low example). So then I
Made .00 with my email at #6 on the letter. Now,
each of the 5 persons who just sent me .00 make
the MINIMUM 200 postings, each with my email at #5 and
only 5 persons respond to each of the original 5, that
is another .00 for me, now those 25 each make 200
MINIMUM posts with my email at #4 and only 5
replies each, I will bring in an additional 5.00!
Now, those 125 persons turn around and post the
MINIMUM 200 with my email at #3 and only receive 5
replies each, I will make an additional 5.00! OK,
now here is the fun part, each of those 625 persons post a
MINIMUM 200 letters with my email at #2 and they only
receive 5 replies that just made me ,125.00!!! Those
3,125 persons will all deliver this message to 200
newsgroups with my email at #1 and if still 5 persons
per 200 newsgroups react I will receive ,625.00!
With an original investment of only .00! AMAZING!!
When your email is no longer on the list, you just take
latest posting in the newsgroups, and send out another
.00 to emails on the list, putting your email at number 6
again. And start posting again.

The thing to remember is, thousands of people all over
the world are joining the internet and reading these
articles everyday, JUST LIKE YOU are now!!

So can you afford ?? And see if it really works?? I
think so? People have said,what if the plan is played
out and no onesends you the money? So what are the
chances of that happening when there are tons of new
honest users and new honest people who are joining the
internet and newsgroups everyday and are willing to
give it a try? Estimates are at 20,000 to 50,000 new
users,every day, with thousands of those joining the
actual Internet.

Remember, play FAIRLY and HONESTLY and this will work. This really
isn’t another one of those crazy scams! As
long as people follow through with sending out .00,
it works!

With warm wishes, bless you and your loved ones,
https://www.paypal.com

$ $ $ $ $ REMEMBER, IT IS 100% LEGAL! DON’T PASS THIS UP!

bumblewalker
Jul 19, 2010

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