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Managing Your Money at All Ages


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Terms and Conditions Terms and Conditions Terms and Conditions
LEGAL NOTICE
The Publisher has strived to be as accurate and complete as possible in the creation of this report, notwithstanding the fact that he does not warrant or represent at any time that the contents within are accurate due to the rapidly changing nature of the Internet.
While all attempts have been made to verify information provided in this publication, the Publisher assumes no responsibility for errors, omissions, or contrary interpretation of the subject matter herein. Any perceived slights of specific persons, peoples, or organizations are unintentional.
In practical advice books, like anything else in life, there are no guarantees of income made. Readers are cautioned to reply on their own judgment about their individual circumstances to act accordingly.
This book is not intended for use as a source of legal, business, accounting or financial advice. All readers are advised to seek services of competent professionals in legal, business, accounting and finance fields.
You are encouraged to print this book for easy reading.
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Table Of Contents Table Of Contents Table Of Contents
Chapter 1:
Beginning Early to Do Better – The Lemonade Way
Chapter 2:
Teaching Kids to Manage Money
Chapter 3:
Money Management for Teens
Chapter 4:
Money Management for Families
Chapter 5:
Money Management for Home Business Ventures
Chapter 6:
Managing Money when the Chips are Down
Chapter 7:
Protecting Yourself from Illegal Money Management Schemes
Chapter 8:
Investing Money
Chapter 9:
Money Management Strategies
Chapter 10:
Money Management for the Future
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Introduction
Money management is an art. Sadly, it is becoming a lost art.
We are becoming poorer each day just because we cannot manage the resources that we have so painstakingly accumulated. We don’t know how to manage our assets and nurture them to grow.
Inside, you will learn various ways of money management for all ages and all walks of life.
Have an enriched experience reading this eBook. It might just help you gain better control of your life.
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Chapter 1: Chapter 1:
Beginning Early to Do Better – The Lemonade Way
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Summary Summary
The best money management is that which begins early on in your life. Don’t wait for things to reach a precarious level before thinking about managing your precious resources.
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Beginning Early to Do Better – The Lemonade Way
A wag once said – “The easiest way to teach children the value of money is to borrow some from them.” Indeed, the frown and pout on such a child‟s face would indicate a loss of something quite tangible! But it is important to teach a child that the concept of money goes beyond a few coins or dollars. Money and its successful management reflects liberty and a control over one‟s destiny.
To learn about money management from a tender age, a child can be explained the parts of the financial system in a simple way – The Lemonade Way:
Banking – Your kid can start with a simple savings account to run his lemonade business. When they write a check for the purchase of lemons and sugar and file the receipt for them, they will have learnt his first banking lesson. Take them through simple interest, compound interest and so forth.
Income – Explain to your child that money can come in through salaries, sales profits, commissions, consultancy fees. When they collect a fee to explain how to make a better lemonade, you know they have got the hang of consultancy!
Expenditure – The child must appreciate the importance of a budget to control expenses. If they blow away his day‟s profit on a large scoop of ice-cream, they will have no money to buy lemons the next day. When they borrow money from you, charge them simple interest! Also charge them a few cents toward infrastructural cost (they are using a chair and table from home).
Insurance- Take a cent from them every day as insurance. They may fret and frown for a week, but when they come down with a cold after drinking all that surplus lemonade, and you foot their medicine bill, they will understand the concept of health insurance!
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Investments – Advise them to keep a few cents aside to buy their lemon stand. They may learn fast and probably even buy the neighborhood store by the time they are teenagers.
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Chapter 2: Chapter 2: Chapter 2:
Teaching Kids to Manage Money
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Summary
It is not as difficult to teach kids to manage money. If you have the right discipline, they will certainly learn.
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Teaching Kids to Manage Money
"Money is like a sixth sense without which you cannot make a complete use of the other five." - W. Somerset Maugham
Teaching young children the importance of managing money responsibly can help them live fuller and well balanced lives as adults, using all six senses to maximum efficiency. They will have learnt their ABCs as tiny tots, but as growing kids you can teach them the five Bs of effective money management:
Budget – Let your child outline his or her needs in a typical month and plan a budget around these costs. Provide for recreation and reading as well, you don‟t want Jack or Jill to be dull children!
Balance Sheet – Print out a simple balance sheet template and teach them how to enter their debit and credit every day. At the end of the month they will know exactly where they stand, thus imbibing a sense of fiscal responsibility. They will understand that there is no such thing as a free lunch! And that a dollar saved is a dollar earned.
Board meeting – Discuss and communicate with those associated with your income and expenditure. If your children need additional money all the time and cannot manage within their pocket allowance, you can help them prioritize their spending. Explain to them that skipping lunch with the intention to eventually buy a PlayStation also amounts to misappropriation!
Bills – Teach young Jack or Jill to collect every bill, receipt and piece of paper related to his pocket money income and spending. That will also help them prepare their balance sheet easily.
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Banking – Open a junior account in their name and let them operate it. Accompany them to the bank and let them understand the various aspects of banking and money management. You might just have a successful Wall Street professional in the making. They should be ready to roll by the time this recession is out!
In the course of your money management discussions over breakfast, they may also ask you about another B – “Dad, what‟s a bailout?!!” If you teach them sound financial ethics when they are young, their company won‟t ever need a bailout for sure, when they have one!
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Chapter 3: Chapter 3:
Money Management for Teens
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Summary Summary
Teenage is the right time to do a lot of things. Like, learning the importance of money, for example!
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Money Management for Teens
"Give me the strength to change the things I can, the grace to accept the things I cannot, and a great big bag of money." - An unknown 13 year old.
This version of the Serenity Prayer is often on the mind of your teenager. How are they going to get that great big bag of money? But even more importantly, how is he or she going to manage the small amount of money that you give them?
First let us calculate how much money they need. Standard costs would include school lunch money, book money, money for field trips or outings and a weekend entertainment allowance. Don‟t forget to add a reasonable amount for magazine subscription and books and music CDs or DVDs. Teenagers must be encouraged to explore the arts and knowledge. Add to this an allowance for household chores carried out by your son or daughter. Keep the allowance flexible. If he or she should require new football shoes for the season as they old ones are worn out, you will have to cover that as well.
Once a budget is fixed, tell your teen that these costs have to be adhered to. You may find that he or she is skipping lunch to save and buy something else that they desperately want. Talk with him and understand his needs, but be firm that allocated funds have to be used for the agreed purpose only.
Teach them to maintain a simple balance sheet. They may also be earning additional money by delivering papers or working part time at the local pizza store. From the balance sheet they will know where they stand at any time and they will also understand the responsibilities of money management.
Maintain transparency in all accounts. Insist that you „audit’ their accounts periodically so that you know the allowance is not being abused. But also be
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sensitive to his or her need for privacy. When they know that you respecting them as a trustworthy money manager, they will try and will up to that trust.
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Chapter 4: Chapter 4:
Money Management for Families
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Summary Summary
Families that manage money stay happier.
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Money Management for Families
"The love of money is the root of all evil." - The Bible, 1 Timothy 6:10
"Lack of money is the root of all evil." - George Bernard Shaw
People may have all kinds of disagreement on what is the root of evil, but one thing is very clear: The lack of money management is the root of all headaches!
It is prudent not to allow your finances to drag your family this way and that way like a wild horse. You must take charge of your money and manage it well. What can a family jointly do to ensure hassle free and harmonious money management? Here are 5 tips:
1. Draw up a budget
When funds are clearly allocated for various activities, there is less likelihood of impulsive and regrettable expenditure. Teach yourself and family members to draw up a simple balance sheet so that everyone knows what records of bills, receipts and transactions are to be maintained. Also scrutinize your bank and credit card statement carefully to avoid identity theft and to be aware of hidden costs.
2. Have regular family ‘board’ meetings
Update everyone on the money front and check if your children or spouse need additional funds for unforeseen expenses. Put across your disapproval of wasteful or impulsive buying in a sensitive way.
3. Encourage everyone to come up with new cost saving ideas
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These must also have an element of fun. Instead of going for a paid vacation, organize a cleanup of a neglected area of your community and hold a potluck picnic there. Organize and visit garage sales and auctions to avail of low cost deals.
4. Evaluate your housing mortgage and health insurance costs
If it makes sense to move house to save money, consult your family and take a decision.
5. Write a will
Lack of a clear-cut will invariably leads to disputes on the distribution of your money and assets as well as resolution of your debts.
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Chapter 5: Chapter 5:
Money Management for Home Business Ventures
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Summary
Planning a home business venture? But how money-savvy are you?
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Money Management for Home Business Ventures
One of the biggest mistakes that small home-based business owners often do is to mix up their business and home expenses. There are certain advantages in operating your business from your home. Rent and utility bills are saved and you have not had to buy office furniture and fixtures. But if you wish to maintain accounts in a professional manner, you must account for the facilities you are utilizing even in your own home, in a separate business account.
By maintaining two separate accounts for work and home expenses, you can stay within planned budgets for both. Your bank will also respect the distinction you make and this can enhance your status when it comes to availing of loans and overdraft facilities.
Assign yourself a realistic salary. An extravagant withdrawal every month will leave your finances tottering in no time. Take a modest paycheck and review the situation every six months or year. If profits rise, give yourself a raise! Set your home business venture a target for the next 5 years. Reward yourself on reaching a milestone by giving yourself a good bonus or a holiday abroad.
Set up a system of good record keeping. File away every bill, receipt, voucher and statement in its proper place so that you can easily prepare your balance sheet. Mental notes and shoddy filing can inadvertently cause you to lose a lot of money.
Choose a good bank and the best banking scheme they have to offer. Tailor it to your needs in terms of highest interest for your deposits and low rates for loans. Also ensure that you make all payments in time, as banks and other service providers add on a fine proportionate to the delay.
When it comes to spending money, keep your sights focused on value as compared to high cost. If your college kid can balance your books for your small
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home-business, then avoid employing an expensive accountant. Of course, as your business grows and you move to a larger scale of operation, an accountant can guide you more professionally on money management and taxation.
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Chapter 6: Chapter 6: Chapter 6:
Managing Money when the Chips Are Down
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Summary
This is when money management becomes the most crucial.
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Managing Money when the Chips Are Down
Harry S. Truman wittily said - "It‟s a recession when your neighbor loses his job; it‟s a depression when you lose yours."
But another American President Franklin D. Roosevelt had this sound advice for these troubled times: "When you get to the end of your rope, tie a knot and keep hanging on!"
Money management takes on an urgent priority during a recession. Here are a few ways you can take charge of your finances and weather these hard times:
 Prepare a bare-bones budget. Stop all unnecessary expenses and reduce essential costs. Ensure that all family members stay within their allocated costs. Keep aside an amount for once in a year expenses, which should be chalked out besides monthly costs.
 If you see a layoff coming, get to know what your severance pay will be and set up an emergency fund of 3 or 6 months to cover your living expenses without a job. If you are unable to pay your housing loan installment, inquire into the new home loan modification offers from the Obama administration. There will be certainly some that will help you!
 Think of innovative and enjoyable ways to save money. Cut out and use coupons, buy in discounted bulk, check out garage sales and auctions to reduce your cash outlay. Switch over from the premium cable TV package to the basic channels. Combine your power, telephone and water services to get a discounted utility bill.
 Earn from your hobbies. A recession is a good time to explore your creative side and to earn from it. Take up a part time job teaching or
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imparting a work skill to others. Volunteer for social services. You may gain some useful leads for a new job or even discover a new vocation in your life.
 ‘Insource’ some of the tasks you would normally pay for. Mow your own lawn and learn how to carry out maintenance of your own plumbing and heating systems.
Every dollar saved is a dollar earned, so following the above steps will amount to earning a tidy little sum in itself! Tighten your bootstraps and manage your money well, but don‟t forget to have fun doing it!
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Chapter 7: Chapter 7:
Protecting Yourself from Illegal Money Management Schemes
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Summary
The worst that can happen when you are trying to manage your money is that you are swindled of whatever little you have managed to manage.
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Protecting Yourself from Illegal Money Management Schemes
Every year millions of dollars are lost by hardworking honest people who have trusted some dubious organization with their money. It is best to be forewarned about such crooked schemes; here are some tips on what you can do to avoid these schemes:-
Managed Investment Schemes – These are setups where money is collected from individuals and utilized for investment purposes. You have no day to day control over your funds or knowledge where your money is being invested or to whom it is given. Cash management trusts, equity trusts, property trusts, agricultural schemes – all such schemes should be thoroughly checked before you make any decision.
Ponzi Schemes – Bernard Madoff has become notorious for his infamous Ponzi scheme that plundered billions of dollars around the world. In such an investment scheme, money is collected with the promise of rich returns. Subsequent deposits pay for the earlier investors and the cycle keeps going. Eventually the scheme collapses on its hollow core and the last group of investors is wiped out. Remember it is illegal to receive profits from a Ponzi scheme and you can be liable for recovery and penal action.
Pyramid Schemes – Unlike a Ponzi scheme, these outfits promise you multiplying returns when you recruit more investors into the chain. Those who fail to draw in other „victims‟ lose their money. Eventually your „network‟ also withers away, without the golden promises of rapidly multiplying money ever coming true. The modus operandi of such MLM, binary marketing or chain referral schemes as they are fancily named is to quietly disappear when the base of the pyramid has grown large enough for a massive loot.
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What you can check
Ask for a copy of the company‟s audited accounts for the last few years. Ensure that the company is registered with your national registrar of companies or relevant monitoring body. Check if the investing company has a license to operate such a scheme. A company with all necessary certification will also have insurance to cover their losses if their project fails. Beware of any company that promises disproportionately high returns within a short time. Consult an accountant and lawyer and a local finance authority to investigate such claims.
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Chapter 8: Chapter 8: Chapter 8:
Investing Money
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Summary Summary
The best way to double your money is not to fold it and put it in your pocket. It is to invest it.
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Investing Money
A lot of advice abounds on what you should do to invest your money wisely. But if you understand what you should NOT do with your money, you may be safer by far! Note the following 7 tips carefully.
1. Don‟t take excessively long term loans. The interest costs of a 40 year mortgage or a 7 year automobile loan will far outweigh the benefits and the value of the asset will reduce to zilch.
2. Don‟t invest in something you cannot figure out. Get an accountant to explain the fine print of the investment. If it doesn‟t make sense, trust your gut instinct and stay away. Ponzi schemes, pyramid rackets and fraudulent fund managers will plunder your savings before you can even say Madoff!
3. Don‟t pay an accountant more than he is worth. Is the value of the advice proportional to his high costs? Check on his credentials before shelling out hefty fees. Can‟t someone else do an equally competent job?
4. Don‟t invest all your money in your company shares. That‟s like putting your eggs in one basket. If the market hiccups and your business fails, your savings go down the drain. Keep that investment below 10 percent of your portfolio.
5. Never apply for more than one credit card. The craving for impulsive buying will worsen and burn a huge hole in your finances. Ensure that you repay that one card well before the last date to avoid unnecessary fines.
6. Don‟t liquidate your pension fund to finance your children‟s education. They can avail of loans. You won‟t be so lucky when you are past your
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retirement age. Keeping your 401K well funded allows for long-term growth. That‟s a thing you must be careful about.
7. Don‟t buy into investments that promise the sun. Give preference to funds that have performed well last year and give reasonable returns comparable to similar packages.
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Chapter 9: Chapter 9: Chapter 9:
Money Management Strategies
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Summary Summary
Here are some money management strategies that could turn your life in a better direction.
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Money Management Strategies
The moment we hear words like investment, portfolio and management many of us tend to think that this jargon is meant for the Wall Street kind of guys only.
Money management is often perceived as a boring and tedious task which concerns accountants and investment bankers more than us. But managing your own money is intensely connected to your own freedom in life. The day you look at money matters from this point of view, it all becomes fun! Let us look at 5 simple money management strategies here:
Early retirement v/s late retirement: If you plan your finances with the target of retiring early, you will be more conscious about spending and saving. This can be highly motivating and you will definitely save faster and more in a year as compared to going along to a normal retirement age.
Small income v/s Large income: A small income worker who saves diligently will end up saving more than a high-income worker who spends wildly. So don‟t fret that you aren‟t earning enough. Budget your expenses shrewdly, without a compromise on the quality of your life.
Smart worker v/s simple worker: A smart, intelligent employee will often be overconfident in his ability to go on drawing high salaries indefinitely, while a simpler worker knows his limitations and works within them. The „intelligent‟ investor often gets entangled in complicated schemes that don‟t always yield gold, but the simple man stays on the straight and narrow path to sure gains.
Credit v/s Cash: Ensure that you pay your credit card bills in time. Falling into a chronic debt trap is the worst pitfall for your money management. For that matter pay all your bills in time, be they utility or grocery bills. Fines for delay and hidden charges will pop up and eat away at your savings.
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Ant v/s Grasshopper : Setting up a careful budget and sticking to it can pay rich dividends. Also ensure that an emergency fund is gradually built up to tackle the lemons that life may throw at you. Frugal living does not mean stingy, miserable living. Budget is enough fun in your life too. Yesterday‟s extravagant living is passé. The new money management is fueled by „green‟ attitudes and a responsible, enriched lifestyle.
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Chapter 10: Chapter 10:
Money Management for the Future
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Summary
Managing money is essential not just for the present, but also for the future. It is actually the future that you have to really think about.
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Money Management for the Future
Some day in the not so far future, you will look back at the present moment and wish you had been shrewder in your money management. Instead of looking back in anger, look forward with hope today and spruce up your money management for the future.
Foresight – Foresee your needs and provide for them. Your child‟s education, your family‟s health, a new house – everything has to be well planned for.
Health Insurance – This is a vital need today. Every member of the family must be covered by a suitable health scheme. Life insurance also provides stability for next of kin in the case of an unforeseen calamity.
Retirement Fund – If you plan to retire early from your present career, keep aside an appropriate amount toward this goal. You will be driven to save more and faster toward an early retirement, with the satisfaction of doing something more exciting with your savings.
Tax Exemptions – They can motivate you towards savings and investments that you would not normally provide for. Avoid placing all your eggs in one basket. Diversify your investments. Spreading your funds this way protects you from wild fluctuations in any one sector.
Emergency Fund – In the present recession, it is even more important to build up an Emergency Fund to cover living costs for 3 to 6 months. It is also wise to develop an alternate small business or part time career to fall back on, in the case of an impending layoff.
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Saving Account – Strike a balance between preserving money for the future and having money to spend and pay bills in the present. Keep 10 percent of your money in a savings account for quick liquidity.
Don’t be Swindled – Steer clear of fraudulent investment schemes. Learn how to detect them coming from a mile away and just pay no heed to them. One small impulsive decision can make you slide right down the savings ladder that you have climbed so diligently!
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Conclusion
Money management is not something everyone is born with. It is something that you need to inculcate and incorporate in your life.
Probably now you know the steps you must take in order to go about it.
All the best to you!!!
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15 Top Ways To Save Money


DISCLAIMER: This information is provided "as is". The author, publishers and marketers of this information disclaim any loss or liability, either directly or indirectly as a consequence of applying the information presented herein, or in regard to the use and application of said information. No guarantee is given, either expressed or implied, in regard to the merchantability, accuracy, or acceptability of the information. 15 Top Ways To Save Money Table of Contents How to save on insurance How to save on auto loans How to save on mortgage loans How to save on credit cards How to save on gasoline How to save on car repairs How to save on home improvement How to save on home heating and energy How to save on phone service How to save on major appliances How to save on furniture How to save on clothing How to save on groceries How to save on vacations How to save on prescription drugs How to save on insurance How to save on insurance As much as possible, if it can be done, you must seize every opportunity for you to save on insurance. Here are some tips you can follow. Your home insurance: - If you think about it, you can actually save up to several hundred dollars if you buy insurance from a low-price but licensed insurer. Compare prices of the insurance departments in your state and get the lowest price but most practical company. - Negotiate a lower selling price with a broker who works for you and not as the mediator to the seller. There may be a conflict of interest if there are too many people involved. So negotiate with just the broker. Your life insurance: - If you prefer just insurance protection, and not a savings and investment life policy, you can just buy term life insurance. - If you would like to purchase whole life insurance, then hold on to one up to 15 years. If you cancel these policies after only two years of having them in your name it will mean double the insurance costs. - Check the public library about life insurance in your state and get one that suits your personal savings. How to save on auto loans How to Save on Auto Loans A smart investor knows he must seize every opportunity that comes knocking at his door - as long as it allows him to save more. Auto refinancing is appealing to those whose credit scores are of good history. This is favorable for a buyer who has no negative records on his account whatsoever. Auto loans gives the buyer the opportunity to refinance their loan at terms that allows them to save their money. However, refinancing is not saving. At least not what most people deem it to be. Refinancing means reducing monthly payments in order to save a little extra money. Car refinance loans are useful in downsizing. Auto loans are just a click away, thanks to the Internet. Lenders specializing in refinancing are online to assist possible clients about auto loans. One must submit an application before any negotiation takes place. Provide the same documents required when making a loan at any bank or establishment. But there are auto loan refinances that do not care even if you have a negative credit history. Refinancing at best rates are available if you have a clear record, but that does not mean that because you were a little off in paying at due time, you will not be able to get the auto loan that you are applying for. You still would but the rate won't be as good as opposed to you having a clear record. Throughout the duration of the loan, there are opportunities to refinance the car loan. If you are opting for refinancing, know that the options for auto loans are negotiated with the lender beforehand. There can be changes as long as there is the approval from the lender and the person applying for the loan. If you need refinancing as soon as possible, consult with the lender and try to work around auto loan refinancing requirements. By updating yourself with the services and programs offered by the various car refinance loan specialists out there, then you are more aware of which one you should choose - depending on the one that works for you best. Refinance car loan specialists are more than willing to cooperate with you if the terms you are asking for are favorable for them. The catch is that when you choose to refinance then the rates are lower and you will be able to save more. Auto loan refinancing opens more doors to saving because it reduces your monthly payments at the interest rate of your choice. Here is a tip before you invest in auto loans, what are your goals for refinancing? You have to compare with the other auto refinancing businesses before you fully decide on one. Choose one where you get the best deal and where you will be able to save more. You have a right to do so because it is your money and your investment. For car owners, investing on auto loans is a wise decision because it gives them better deals. However, before you commit yourself to any refinancing agreement, you have to take into consideration all the terms that are involved in the car financing program you are committing to. Also, by tapping the equity in your home loan, you will be able to lower the interest payment when buying a car. That is because the home equity loan can actually provide a lower rate as opposed to a car loan. The former is more secured than the latter. You can consult a tax advisor for a second opinion. If you want you can approach an independent lender before you completely decide on which car to purchase. By arranging the terms and finances before buying the car, dealer financers will be able to assist the consumer in which auto loan refinancing can give him the best deal, making him save the most amount. You must also be very wary of the zero-interest loans. Just like with any other deals, it may sound tempting but that is not usually the case. You may be buying a car for $18,000 and pay zero interest for two years through the dealer and getting a rebate of $3000, but how sure are you that there is no catch on that offer? If you do take the rebate and finance at the given percent, then who knows you may even save more. Think twice before you make any decision. Especially since it involves money. Stretch your buck for as long as it would take. How to save on mortgage loans Save on mortgage loans It is very important to save especially during these tough times. So the best advice anyone can give you is to sign up for the right mortgage loan that is appropriate for your budget. Mortgage loans are calculated depending on the kind of interest that you signed up for. This is based on the interest rate and the length of mortgage. The shorter the duration of the payment, then the more expensive the bill is on a monthly basis; however, the higher the bill per month, the shorter the time duration of the payment. It’s all about the question of how much you can afford. Create a budget and envision, how much can you actually pay in a month. Think long term. Will you still be earning that particular amount in two, three years time? Do you have enough savings just in case an unforeseen accident occurs? How long can you keep on paying the mortgage? This is how some lenders calculate how much they can lend you. The housing payment is your total mortgage payment set alongside your monthly income and the total debt ratio – meaning what you are obligated to pay in the big picture. That’s why there’s also the question of “Should I buy or rent?” If the person isn't yet financially stable, it is better that he rents in the mean time. However, calculations show that the expenditures on rent are somehow close to signing up for a home mortgage. Also, there’s a great sense of pride in owning your own home. But with that comes the responsibility of paying your bills on time. Plus, now that you’re a homeowner, you’re also required to set aside a significant amount of your salary for taxes. Owning a home also means paying for utilities such as gas, electricity, water and food. For you to decide, think whether choosing a home is what’s suitable for you at this time. Determine if you have enough to actually afford to buy your own home. If not, then it’s better that you rent. Now here’s where the mortgage rates come in. Begin by checking the interest rate and rate movements of a specific mortgage loan you’re signing up for. Mortgage rates depend on the Wall Street securities. Keep an eye on the stock market and the mortgage market trends to know the secrets on the direction of where your mortgage is going. You must also study the APR or the Annual Percentage Rate. By law, mortgage companies are required to disclose the APR to their clients. That is how they should advertise a rate. This is done so that people who signed up under them will be aware of where their rates are going. It represents the real cost of the loan to the borrower and can be seen extensively when the yearly rate is presented. This prevents lenders from hiding fees and for clients to have an open relationship with their mortgage dealers. As much as possible, try to personally meet with the lender. When money is involved, personal arrangements are better because not only can you clarify better, you could also have an idea of what kind the person is on the end of the phone or at the receiving part of the email you send out. Now that you have met up with a dealer, know your APR, study the stock market, and then you are ready to lock in your rate. This means that you are ready to commit with a lender and the lender is bound to a promise to this certain interest rate. From there, you must work on a budget. You must set aside a specific amount from your salary for your mortgage; and, if you can pay faster, then why not? If you have extra money, talk to your lender and ask if you can pay for a higher amount. For good credit history, always pay more, not less. Pay on time, not late. This is to ensure that you won’t have a hard time dealing with insurance matters in the future. With the right decision-making and the right budget, you won't have any problem with money. It’s just having the discipline of creating a budget, sticking to it and paying on time. If it is arranged as such, notice that you could even save a couple of your dollars. How to save on credit cards How to Save on Credit Cards: The Cost-Effective Ways to Bigger Savings When Times are Tight Statistical reports prove that Americans are in love with plastic. Consumers know it more as credit cards. In fact, nearly 81% of American households have at least one credit card. They find these plastic as the most convenient tool for shopping and paying utility bills. The credit cards make payments and expenses so convenient that the average credit card balance Americans have amounts to $8,000. That is, indeed, a great amount of debt. So if you want to avoid debts and save more on your credit card bills, try to cut back on your expenses and follow the rules on how to save on credit cards. Here’s how: 1. Choose the best credit card Not all credit cards are created equal. There is a particular credit card that will suit your needs. Getting this type of card will provide you the rewards, services, and interest rates that will suit your needs. For instance, if you want convenient shopping but can't afford to go the extra mile in shopping expenses, it is best to get a credit card that can offer you with reasonable credit limits. In this way, you will not be tempted to max out your card and accumulate debts you simply can't afford to pay. 2. Go for the lowest interest rate If you think you can't pay your credit card bills on time but are willing to pay your balances in another period, it is best to get a credit card with lower interest rates. Consumers may not be aware of this, but one of the reasons why debts are getting higher is based on the interest rates. The actual balances are made worse through interest rate charges. 3. Choose the reward credit cards that suits your lifestyle Don't get a credit card just because it can provide you with several rewards. Not all rewards are worth your time and money. For instance, a frequent flyer’s rewards credit card may not be functional if you aren't a frequent traveler. But if you are, getting a flyer’s reward credit card can give you discounts as well as points that can be converted into tickets. This will be savings considering the prices of airline tickets nowadays. 4. Keep a record of all your expenses With credit cards, convenience is the name of the game. However, it doesn't necessarily mean that you neglect your responsibilities. One of which is to keep a record of all your expenses. In this way, you will be able to identify which purchases weren't necessary at all. So the next time around, you will know what to avoid. 5. Do not keep balances Never let your balances stay on your credit card bill statements for long. This means that if you have accrued balances for the month, try to pay them immediately. Paying your minimum balance only won't do you any good. In fact, this might trigger further debts. Besides, interest rates only apply whenever you have balances. And interest rates are additional expenses for you. If you pay your balances monthly, you won't be charged with interest rates, so you get more savings. 6. Be wary of cash advances If it isn't an emergency, never take cash advances on your credit card. Financial experts say that cash advances reap higher interest rates compared to the ones that you have on your credit card purchases, which are, by nature, soaring as well. Combination of these two will definitely bring you to debt problems. Besides, cash advances don't take on certain periods, so that means the charges will take place instantly. That would be very hard if you aren't prepared to pay off your balance immediately. 7. Ask for a lower rate If you have been an obedient customer and pay your bill on time, it wouldn't hurt you to call your bank or your credit card issuer and ask for a lower rate. Surveys show that nearly 55% of those who participated in the survey were reported to have trimmed down their interest rates simply by requesting their bank or their credit card companies to act accordingly. With lower interest rates, you can definitely save more especially if you are the type of credit card holder who doesn't get to pay the balances on time. All of these things are catered to help you cut back your expenses and save more on your credit cards. These things have been proven effective. It is now up to you if you will heed this advice or not. Just remember, your actions will always tell you the kind of life you want to live, so better make good choices and start saving now. How to save on gasoline Managing Oil Prices: Tips on How to Save on Gasoline If you have been spending more than what you can afford on your gasoline consumption, you should trim down the refills. There are many things that are more important than just gasoline, so it goes to show that your money shouldn't revolve on your gasoline bills alone. Saving on gasoline won't necessarily mean commuting and using your car less often in the same way as not eating food just to save on groceries. That is simply not saving. Saving on gas would mean maximizing the amount of gasoline you use, thus, giving you better gasoline mileage. Moreover, with the pries of gasoline nowadays, saving more and maximizing your consumption would definitely give you more than what you have paid for. If you think you can't do away without driving and without using gasoline, you just have to learn how to maximize your gasoline consumption and save more. Here are a few reminders: 1. A regular tune up on your car can do wonders A regularly tuned up car will not only mean longer life span of the vehicle but can also guarantee better gas mileage. You don't have to drive the newest model just to ensure better gas mileage. The performance will entirely depend on how you maintain your car’s condition. If everything is working quite perfectly, you can be sure that you get better gas mileage, which means less gasoline refills. 2. Are you a racer? If not, then try to drive a little slower. Driving faster than the wind won't only get you into trouble but can also waste a lot of gasoline without you knowing it. Experts say that “traveling velocity” can put a great impact on your gasoline use. For example, if you drive at 105kph instead of 88kph, you are increasing your gasoline consumption up to 17%. That is a lot of gasoline you have there, and when converted into dollars, that is simply overspending. 3. Be wary of your filter’s condition Filters may seem one of the most neglected parts on a car. Most motorists don't understand the importance of air filters. Filters make your car’s engine more cost-effective. It can create more force and energy and, of course, better gasoline consumption. If your car has a dirty or congested air filter, replacing them will absolutely perk up your car’s gasoline mileage up to 10% more. Besides, having clean air filters all the time will ensure your car engine’s optimum performance and durability. 4. Break it more gently Breaking and accelerating more frequently will not only wear out your car’s condition and tires but can also increase you gasoline consumption more than 18%. So whenever you are on the road, try not to accelerate more than what is recommended. Try to anticipate, as well, the traffic ahead so that you can apply measured, steady brake. 5. Check your tires If your tires are deflating more whenever you drive, you are actually taking more money from your pockets. Why? Simply because the less efficient your tires are, the more gasoline you use, and not just because they deteriorate faster. It is best to always keep your tires well inflated according to the manufacturer’s instructions. Keep in mind that a tire that has been inflated by 2 PSI can actually boost your car’s gas use by 1%. 6. Organize your shopping trips Getting things organized not only makes life easier to bear but can also save more on your expenses. Consider this: try to budget your food consumption for the week and have all your groceries bought on a single day. It would be best if you can find all of the things you need in a single store. In this way, you can cut back on fuel use. 7. Reduce wind resistance If you will be driving on a highway, it is best to keep your windows closed so as to lessen that drag. Dragging can aggravate fuel consumption. Remember your physics? It will definitely take more force just to push your car through the wind and this would mean using more gas than usual. All of these things can, in some way or another, help you save on gas. Just try to be conscious of where your money goes and it will be easier for you to find cost-effective ways to save more money. How to save on car repairs Tips on How to Save on Car Repairs: The Car Owner’s Ultimate Guide Book to Savings Are you one of those few people who are having trouble in getting their cars repaired and drain their finances as well? If you are, then it is high time you start looking for ways to save on car repairs and save more in your piggy bank. Defective cars aren't even worthy to be sold without getting all the necessary repairs. You can't even exchange it with another car without getting it repaired. You are left with no choice at all but to get it fixed. The only problem is that without the appropriate guidelines you need in choosing the right repairs, you can be spending more than what you can afford. With the high prices going on in the market today, no one can really afford to have their cars repaired in very expensive packages. So you have to think of ways to save more on car repairs. You can trim down on car repairs and save more cash on an ordinary basis without opting to excessive ways. Here’s how you can save on car repairs: 1. Do your homework One of the greatest problems most motorists encounter is that they spend more on car repairs simply because they didn't choose the best mechanic or repair service for their cars. Through research, you can identify the right mechanic and the right shop. 2. Take note of the things that need to be repaired Before you go to your mechanic, it is best to have all the necessary repairs listed on a piece of paper. In this way, you can tell your mechanic right way the things that need to be repaired. This will prevent unnecessary repairs or misunderstandings on the type of repairs that your car needs. Unnecessary repairs will only add up to your repair expenses. 3. Shop and compare To get the best quotes on car repairs, try to shop around and compare prices. In this way, you can evaluate and compare prices enabling you to find the best quotes possible. Never grab the first repair shop you find. By looking around, you can still find better shops than what you have right now. 4. Try to make every transaction in black and white This means that before you commit yourself in a particular repair job, it is best to have the estimate written on a piece of paper. Try to acquire a copy of your own. This will prevent unnecessary accumulation of extra charges, which weren't included on the first estimation. Keep in mind that not all job repairs were created equal and not all mechanics are honest. So it is best to protect yourself as always. 5. Acquire your car’s old parts before you let the mechanic start the repair process There are certain car parts that can still be rebuilt. So never let your mechanic take the chance of acquiring these things. You can have them repaired on some machine shops and cut back your expenses on the next repair. 6. Know your way around If you don't know your way around car repairs, it is best to ask someone (definitely not your mechanic) for some second opinions. In this way, you can decide which things need greater considerations. Besides, if you will just let your mechanic decide on your car’s repair process, you might pay more than what you can imagine. Better yet, read some easy-to-read manuals on car maintenance. In this way, you will learn some important matters regarding car parts. This will enable you to differentiate the important repairs from those that you can do by yourself. 7. Ask for the warranty Some repair shops offer warranties on the services that they make. Take note of this so that you can be sure not to spend another hundred dollars for the same repair in just a few days. Furthermore, warranties can guarantee high quality repairs so you can be sure that your car and your pocket are in good hands. Indeed, car repairs can't be avoided. These are the things that you have to learn to live with. Finding good repair shops aren't that hard. Just try to remember these pointers and you will surely spend less with car repairs. Also, think about learning how to do the simple chores yourself. That’s where those manuals may come in handy. With just a little bit of knowledge you can handle minor maintenance like oil changes, tune-ups, changing windshield wipers and other simple tasks. Learning to do these yourself will result in great savings! How to save on home improvement Cool Tips on How to Save on Home Improvement Have you ever thought of changing your room’s design? Do you think your porch needs a little makeover? Then it is time for you to make some improvements in your home and create a difference. Home improvement can add sparkle to a dull wall color, a new shade to a dreary interior design, or vigor to a lifeless porch. It simply pertains to the method of refurbishing or repairing a home. In most cases, an expert executes home improvements. However, with the cost of commodities nowadays, plus the real service fees of “professional handyman,” many people have opted to work on their home improvements through their own initiative. No wonder why the so-called “do-it-yourself” jobs have been pretty popular. Through this process, homeowners can enjoy renovating their own homes like professionals. There are shops that provide seminars or workshops regarding their products and the way homeowners can operate them at home. There are many types of home improvements. Each category can provide optimum modernization to one’s home. However, home improvement package prices may vary. It is best to identify the right measures to save more on home improvements. Here are some ways on how to cut back on your home improvement costs: 1. Do your research Before you start on your home improvement project, it is best to do some extensive research. Try to find out the current prices of home improvement packages available on the market today. It is also best to identify the different factors that can affect the conditions of each type of home improvements. 2. Scout for the best quotes If you will be hiring a professional, it is best to look for the best price quotes on home improvements. In this way, you will be able to anticipate the possible rates and charges, which will enable you to prepare the required amount. Get quotes from more than one tradesman. 3. Do the math Before you start buying things that you need for your home improvement, it is best to have everything estimated. Should you decide to seek the services of a professional you will know how much it will take you to improve your home. You can't easily be fooled by anyone because you know exactly the cost of expenses. Besides, having a rough estimate of your home improvement plans will enable you to control your expenses. You can focus on the areas that need to be prioritized. Once you have set a specific budget on it, you can now consider the other areas without having to spend more than what you can afford. 4. Decide whether you can do it yourself or you should hire a professional If you want to save more on your home improvements, it is best to decide if you can do the project yourself or you really need to hire a professional. It is unwise to assume that you can do the job just to trim down your expenses, where in fact, you don't have the slightest idea how to start the job. Insisting to do the job yourself will only end up in waste or destruction. It is best to hire a professional if you really want to save on your home improvement. 5. Ask for recommendations Word of mouth is considered as one of the best advertising strategy in marketing. It is also one of the best ways to ask for some help about the things that you are not familiar with. For example, if you don't have any idea about home improvements, it is best to ask your friends, relatives, or even colleagues about home improvements. They can give you some pointers about home improvements based on their own experience. Tried and tested, their idea about home improvements can really help you make a difference. 6. Find the best contractor If you wish to save on home improvements through contractors, it is best to hire the best. You can do this by checking on your contractor’s capabilities and certifications. In this way, you can be sure that the services you pay are reliable and efficient. Try to keep these things in mind to save on your home improvement projects. Keep in mind that home improvements need not be expensive. You can beautify your home without having to go overboard. How to save on home heating and energy How to Save on Home Heating Energy: Superb Saving Ideas To say that you can save on your home’s heating system and energy isn't an understatement. Reduced bills on your electricity, maximized heating system, and a whole lot of energy saving phenomenon are things you don't see everyday but desire to obtain. Everybody longs to reduce his or her expenses on energy and heating systems. People don't work just to pay the utility bills alone. The greatest reason for this dilemma is the on-going increase of energy consumption charges. Everything seems to have high prices nowadays. It is best to trim down the other expenses in which you have control of, such as energy consumption. One of the best examples of energy use are home heating systems. However, heaters can eat up bigger portions in your electricity bill. In fact, statistical reports prove that heaters are one of the largest energy consumers in every home, that is, more than half of the consumption rate in a given year. For this reason, it is imperative to think of ways to save on heating systems so as to save on energy consumption as well. As you save on these items, you get more value for your money. But how? Things are, most of the time, easier said than done. So if you think that it is easy to maximize your heaters and save more on energy, think again. To help you, here is a list of some energy saving tips that will help you cut back on your furnaces’ energy consumption. 1. Use solar energy Natural is always the best. To save more on energy, it is best to use solar energy when using water heaters in your home’s heating system. In this way, you trap natural heat coming from the sun. You will consume less energy. With the solar energy utilized in your home’s heating system, you can start heating your water for showers or revolutionize your home’s heating system and still reduce your electricity bill. 2. Inspect your home To maximize your home’s heating system, it is best to inspect your house for any leakage. Leaks will let the heat seep out from your home, thus, absorbing cold from the outside. Most of the areas that leakage starts to develop are in the windows, doors, and fireplaces. Once identified, it is best to take some proper actions as soon as possible so as to cut back any unnecessary costs on energy. 3. Use heaters on frequently used rooms only To save more energy, only use heaters on areas that are frequently visited and used by your household. For rooms that are not being used, try to turn off the thermostat or close the windows to utilize natural heat. Close the vents to the rooms that you are not using. By doing so, you can cut back your energy consumption through your furnace by as much as 50%. 4. Insulate One of the biggest secrets in maximizing your home’s heating system is insulation. A properly and well insulated home can guarantee a comfortable home without using too much energy. Thus, you can save more money by cutting back your energy consumption. It is best to use some insulating devices on your roof, windows, and other areas that need padding. This will block the heat in and keep it from escaping the house. 5. Get a good heating system Of course, you can never guarantee lower energy bill if not for an efficient heating system. A defective heating system can use twice as much energy as one that is functioning properly. The tendency is to use more force just to boost more heat, and the more force the heating device use, the more energy it will consume. Besides, defective products would require frequent visits to repair shops and that would be additional expenses for you. All of these things can help you maximize your heating system and save more energy. In this way, you can save more money and use it on other things that need prioritization. Depending on where you live, consider switching from electric to gas or vice versa. Electricity is less costly in some areas while in other areas gas is the better choice. Do your research for the area you live in and determine which better meets your needs. How to save on phone service How to Save on Phone Service Since its inception, long distance calls have created a niche in the telecommunications industry in the United States. In fact, reports from the Federal Communications Commission have attested that more than 1.75% of consumers’ general expenses are attributed to phone services such as long distance calls. No wonder why many Americans are squanderers when it comes to phone services. In 1992, reports show that the average amount that the Americans spend on long distance calls amount to $10.3 billion. Now, the question lies on whether these expenses are maintained and paid by the phone companies’ subscribers. Come to think of it, the utilization of phone services has increased to a level where consumers can no longer pay their dues. What happens next is that some phone companies were required to make some cutbacks on their operating expenses. But to some, cutbacks aren't the ultimate solution. Most of the phone companies have come up with revolutionary added features that are more functional and multidimensional. These items seek to entice people to subscribe to phone services once more and gain back the popularity that the phone companies used to have. With these phone companies have created different choices for long distance calls. Each feature is designed to suit the needs of every customer or subscriber. The usual phone service options are the bundled, traditional, VoIP, wireless, and calling cards. Each service has its own pros and cons, but all of them were catered to provide optimum phone services to their subscribers. Sounds good enough? Think again. With the high prices of commodities nowadays, it pays a lot to save on your phone services and earn that extra money you will need in the near future. But how? First, keep in mind that not all phone services were created equal. And even if they may vary according to their rates and charges, consumers can find ways on how to save on phone services, regardless of their classification and the type of service that they provide. Here are some few good tips: 1. Select a good plan To save more on your phone services, it is best to choose a good plan first. You can do this by checking on the phone companies available on the market today. Compare their rates and choose the best plan. However, experts say that it would be better if you choose from the three leading phone companies in the industry. Statistical reports show that you can save by as much as 50% or more as compared to other phone companies. 2. Identify your “calling pattern” Try to identify your calling pattern based on the latest three bills. Analyze the flow of calls and pinpoint those that create particular patterns. Once you have identified them, you can easily detect which areas you call frequently, at what time, and for how long. So if you have clearly identified your calling pattern,” it will be easier for you to save more on your bills. 3. Flexibility Choose a phone service that gives you the flexibility to adapt to your needs. This will guarantee optimum communication service because you can alter or modify any feature that will correspond to your needs. For example, if you have been previously subscribed to a post-paid long distance phone service and you wish to convert your phone service into prepaid, it is best to choose a long distance carrier that will allow you to do such thing without the extra charges. In this way, you can save on the service fees (for the conversion) as well as on the long distance charges. With prepaid, you can now control your long distance activities. 4. Be wary on the promotions Not all freebies and promotions can be good for you. There are some promotions that may only lure to try a particular phone service, only to find out that you get double charges in return after the promotion is over. With this, you not only passed the chance of saving more money on your phone services, but you also missed the chance to enjoy real savings without having to spend more than what you can afford. Indeed, saving on phone services can trim down your expenses in a month. It is best to remember these pointers very well as they may come in handy sometime in the future. How to save on major appliances Your Guide to Saving on Major Appliances Saving is one of the most important things to consider in budgeting. Whether you are a parent of two or three or a student or an independent planning to move to a different place, saving should always be put as a number one priority. For example, moving into a new area requires basic household appliances such as fridge, washing machine, stove, and heater. Normally, these appliances would cost you thousands of dollars if one would not consider some of the cost-effective tips in buying major appliances. With that being said, below are just some of the cost-effective and saving tips in purchasing new appliances for your new abode. a. Evaluate your Wants and Needs. Appliances will always be part of our daily lives but with a starter, one would have to evaluate and think about the most important household appliances to buy. First, think about the things that you should need when moving to a new house. Would you prefer buying a fridge in favor of a new sofa or a convenient ice-making machine against a reasonable fridge? While these add-ons are important, this should also require a lot of thinking in order to keep all those that are important and set aside those that will provide luxury. Worth mentioning is the amount of electricity that one has to consume when using these add-on products. b. Size – accommodating your newly purchased electrical appliances can be fun if you have enough or available space. It isn't wise to purchase a huge refrigerator when you only have few square inches of space available for your immediate kitchen needs. For families, parents should also take into consideration the type of appliances, which will be able to supply all the needs for the family. A 5.0-kilogram washer would definitely not suffice in a family of 5. In such cases, one would have to consider purchasing those that are of heavy-duty type of major appliances. You will save more on buying in bulk than for one that won't accommodate most of the clothing used for a week by a single person alone. c. Consult with Comparison Shops. The 1999 Consumer Literacy Consortium report provides enough reason for consumers to compare price around before they do the actual purchasing on major appliances. Basically, for people who are determined to make the purchase, they would usually shop on a single appliance center and don't bother to shop around and compare prices at nearby stores. The consumer report provided information about the benefits of comparing prices on the market before doing the actual buying and the importance of shopping online for auctions and sales. More often than not, leveraging on secondhand appliances is better than procuring a new one specially when one would look into similar features and durability standard. This intelligent buying will save you hundreds of dollars as expected and allot savings to other home stuffs that in turn provides additional luxury in your part. d. Annual Buying Guide – Local libraries today keep some records of buying guides and ratings and prices on some of the major appliances nationwide. These buying guides and consumer literacy reports provide exclusive and substantial information on performance (durability), price, and quality among other things. The report also maintains a database where you can compare prices from coast to coast and details on handling and packaging of merchandises should one would interest on buying them. e. Where to Buy – Sometimes, it isn't about the name of the merchandiser that matters when filling your home with major appliances. It’s about how you would search the local market and the net to find shopping exclusives and sales of appliance items whose features and performance match specifically to the needs and wants of your family. These buying techniques won't only free you on your budget but provide you additional leverage on saving for future appliance needs. f. Negotiate – In almost every part of the selling process, negotiation takes place when you would interest on purchasing the item after making a careful review of its features. Getting the best bet lies in your ability to making compromises. Most stores would drop prices when needed and when the customer asks for it and when one is purchasing refurbished items. How to save on furniture Tips On How To Save On Purchasing Your Furniture Saving money on purchasing your furniture for your home doesn't necessarily mean sacrificing the quality of the product. Of course, you want only the best worth for your very own home. The following are keys and tips that you can follow to save an awful lot of money when you procure your dream furniture: 1. Look for Furniture on SALE! More often than not, the best deal on Furniture on Sale comes every January and July. And if you’re looking for outdoor furniture, August is the best time ever! Also, most of the furniture companies have their furniture set on very low prices every end of the month for sole purpose of their clearance. Majority of the retail furniture companies function on monthly basis, computing their sales, releasing their promotions and introducing new furniture. This means that at the end of the month, there will be certain pieces of furniture that won't be offered the following month, thus these lines of products will be offered at a very low price. Another reason will be because most of the furniture companies hire sales people and pay them by commission. These people will definitely have their own bills to pay so would be a little more desperate to make the sale, hence, could be giving a better deal for your most wanted furniture. You can definitely take advantage of their eagerness. 2. Visit your Favorite Furniture Stores Check all the possible Furniture Shops first and find the best deal before finally purchasing your piece. Most regional and national furniture retailers have outlet shops where suspended, distressed and returned merchandise is being sold at low prices. Form a habit of checking these shops frequently —you never know when the right furniture is going to be waiting for you at its best deal! 3. Apply for the Credit Card being offered by the Furniture Shop Some wholesale furniture shops offer in-store credit cards. These credit cards normally give you the best discounts on the furniture inside that furniture center. All you have to do is apply for this credit card and you can get discounts for your desired piece of fixture. Then, you may pay for your credit card bill the following day using the money that you have allotted for the furniture; this will save you the finance charge that the credit card company may cost you. 4. Search the World Wide Web After seeing a certain piece of furniture either at the store near you or in a certain magazine, check the Net for this certain product. Just enter the manufacturer’s name and if that piece has its name as well. Use the famous search engines like Google and Yahoo. There are some Online Shops that may offer your certain furniture at a very good discount. However, it is imperative to check the shipping rates and taxes that may be applied with the product. Please don't just rely on the price that is posted on the initial site for it may mislead you on possible additional charges. 5. Go Directly To The Manufacturer If you live within a few miles of a furniture manufacturer, it is strongly suggested that you visit their shops for you may get the lowest possible price for your preferred furniture. 6. Buy Used Furniture One of the best ways of saving your hard-earned money is by going to Second Hand shops for certain furniture. You may opt to have your fixture reupholstered or refinished by your favorite carpenter to put the touch of your individuality and giving it the smell of novelty. More often than not, the total price of your furniture plus the cost of the repair is still a lot cheaper than buying a totally new piece. Stores selling used furniture are almost everywhere especially in major cities. How to save on clothing Saving Guide on Clothing Clothes can be really costly, especially when all the fads and trends come and go as the seasons. It is very possible to save money when buying your clothes. You just need to have the strategies and tactics on how you can save your money. Here are some tips on how to save when buying your clothes: Don't buy in Season clothes – different line of clothes come every season. And more often than not, they normally release new clothes at very high prices and normally they go down after a few months. Key is just patience to wait. For example, when winter comes, coats and sweaters are released, however, after a month, normal Sale or bargain prices will now be tagged on these clothes. If you were smart enough to wait, you can still wear these clothes during the remaining days of winter and the coming fall. · Wait for Factory Sales – when Factories put out their sale season, clothes can be cut from 40%-90% off the original price. Imagine how big this saving is! Also, going directly to the Manufacturer’s store is a helpful tip on getting a good deal on clothes. · Garage Sales – these are very popular stores and places where you can get your clothes at really, really low prices. Find garage sales that are put up by families, in this way, chances of getting quality clothes are much higher than those garage sales that have been put up for commercial purposes already. However, it is important to remember and avoid buying clothes just because the prices are really low, you might not even wear the clothes, and the concept of saving is put to waste. · Bargain – always visit your favorite store and befriend the sales people there. You can then ask for the possible dates of SALE and bargain wherein you can save at a minimum of 20% off the original price of your desired clothes. · Buy two different sizes and two different colors – If you have kids, it is very advisable to actually get two sizes, since children grow up really fast. Also, buying two colors to have variety, only if the clothes are already at their reduced rates. · Shop Online – nowadays, there are many clothing stores online. And, most of the clothing lines have their own websites where you can online shop. Like the regular stores, the online shops have their season for SALE and BARGAINS as well. Just make a habit of checking regularly your favorite clothing line to wait for these awaited bargains. · Sign up for your Favorite Boutique’s mailing list – be sure to sign up for your favorite clothing store’s mailing list, newsletter and catalogs. In this way, you will be updated and be the first one to know of the upcoming On Sale Items and the new releases of the trendy clothes as well. · Coupon Codes and Coupon Cards – if shopping online is your thing, there are many coupon codes that can be found online that could give you a cut off of the original price of your favorite online store. Some of the coupon code sites are the www.couponcabin.com and www.keycode.com. All you have to do is look for the “apparel” category code and you will be given your choices of retailers. You can also put the “online coupon” or “coupon code” in your favorite search engines such as Google and you will be given a list of sites that could provide you best deals for your retailers. · In-Store Credit Cards – many boutiques nowadays, offer in-store credit cards. All you need to do is apply for a credit card of your own, especially if you have a favorite store where you frequently buy your clothes. Normally, these credit cards give good discounts on clothes being sold in that particular boutique. Also, the cardholders normally get special coupons, birthday discounts and other relative discounts every holiday and often you can get a minimum of 5% up to 15% discounts. Another benefit of these is free shipping, being updated of the new arrival of clothes and rebates. However, this tactic only is beneficial if you plan to pay your credit card bill a day after you have purchased the product. This is because credit card companies charge an awful lot of finance fees and interests. It may not even counterbalance the savings you intentionally wanted in applying for the credit card. · Get a part-time job at your favorite store – a lot of shoppers apply and get part time jobs on their favorite boutique. This will give them extra money for their job and employee’s discounts on the clothes being sold in that particular store. How to save on groceries Save Money on Your Grocery Shopping One of the basic necessities is your stock of groceries. And your budget for the groceries could make or break your budget for your weekly funds that should be allotted on other things. This is how flexible the budget for the groceries could be. This flexibility should be handled properly. Here are tips on how you can save money for your groceries: · Make sure you aren't hungry before you go to the Grocery Store – studies have shown that shoppers tend to buy more in the grocery stores when they are hungry. This is the reason why some grocery shops have their bakery along the entrance of the store. The smell of the freshly baked breads and cakes could really make you hungry. And this could make you shop and spend more than what you intended. The best way to handle this is to make sure your stomach is not empty, if no food can be taken; drink at least a glass or two of water. Shopping when you’re full will help you combat the temptations of the mouth-watering smells inside the grocery store. · Try to look up and down on the shelves – make sure that you search the higher and lower shelves. The more expensive brands are normally located on the shelves on your chest level. The cheaper or generic brands are either located below or higher than your average sight. · Shop alone – try to find time to go to the grocery store by yourself. When you ask for helpers, they tend to increase your bill. · Go to the store at the early time of the day – when you go to the grocery store early in the morning, you tend to finish with your list a little faster, thus avoiding the need to roam around and get attracted to unnecessary expenses. · Shop when you are in a good mood – when you shop and you feel tired, you tend to buy more sweets, chocolates and high-carbohydrates. And when you are mad, you tend to buy more junk food. Don't buy non-grocery items – grocery stores normally sell some non-grocery items like contact lens and painkillers. These products normally cost more at the grocery stores. · Always bring your calculator – make sure to shop with your calculator. In this way, you can easily compute how much you save when buying in-packs or individually wrapped items. · Check your receipts after shopping, mistakes can happen no matter how much you avoid them. Remember that every cent counts. Buy foods that are fresh, cheap and seasoned. With fewer dealers involved, the cheaper, fresher and better quality of food that you can get for your family. Make sure to double-check the weights of the pre-packed goodies that you buy. Sometimes they lack a little pound or weigh less than what they normally should. Make it a point that you get all your hard-earned money’s worth. When you specifically went to your favorite grocery shop for a definite item on sale and suddenly knowing that it’s no longer available. Make sure that you make a rain check and ask for the next stocks to arrive. So that you’ll be early the next time the stocks reach the store. · Check the ends and edges of the grocery store. More often than not, the healthy and fresher foods are located at the ends of the grocery shops. Fruits, vegetables, Dairy products and meats are examples of these. Avoid walking thru the main areas, since these regions are normally where the products are very expensive and cost more. It’s important to focus on the price of the item. Make sure to check the other brands to be certain of getting the best deal. Also, buy only what you need. Sometimes, you get deceived when you get to buy things that are on sale even if you don't need them. If this happens, you didn't get the bargain no matter how cheap it seemed. Don't be misled with the brilliant colored packaging of the grocery shops. They normally pack certain items simply to attract. Focus on your list and buy things that you need. How to save on vacations Save on your Vacations It is true that after all saving and cutting down all the expenses from other things like clothes, appliances and groceries, you and your family deserves a well planned vacation at least once a year. However, it is still imperative to save as much as you can while having your vacation. Especially, while you are on vacation, more often than not, the budget is a tough thing to keep. Here are the ways on how you can save on your vacations: Save on Airfares – Make arrangements and book your flights ahead of time. Airlines normally have promos if you purchase your tickets in advance. Also, Airline tickets sell evening flights a little cheaper than those of the day flights. If you are purchasing your Airline tickets from the travel agencies in your area, make sure to scout for the best deal for ticket prices. When buying tickets for your family or for four or more passengers, there will be special discounts, be sure to ask for these opportunities to save. · If possible, plan your vacation during the off-peak seasons. The travel agency has its peak and off-peak seasons. Make sure to research these dates. Every destination has its own determination of peak seasons. Airfares and hotel accommodation are much cheaper during the lean seasons. Make sure to bring packaged snacks that are purchased at supermarkets. Eating and dining out in restaurants can be really expensive especially if you are traveling in groups. For road/land trips, as much as possible, bring your own car for your tour. Car rentals can be really expensive and unnecessary. Don't forget an auto-check up from your favorite and trusted mechanic before leaving for vacation. Don't forget to fill your gas tank. This will allow you to shop for cheap gasoline stations and avoid unplanned stops along the way. Don't pay for your vacation in credit unless you are very certain that you can pay on time. Interests on such credit can be a burden especially after having fun on your vacation. Don't forget to turn off ongoing expenses while you’re away on vacation. Discontinue your newspaper deliveries. Temporarily cancel your internet service when on vacation for more than a month. Turn off your gas and electric heater when you are away from home. · Planning in advance can help you save with your budget. Prepare proper clothes to bring for the destination. Buying emergency clothes for cold climate can be really costly and should be avoided since you can pack all these from home. In this way, you can spend your vacation money on other important things. Always keep your receipts and track your records for all the expenses during the vacation. These can help for future vacations and can also be deductibles for taxes if you are on business trips. · Plan for your Accommodation – considering homes of relatives or close friends can help you save on your vacation. You can also choose paid accommodations with cooking facilities. This can help you save money from eating out at restaurants. Take advantage of special offers from hotels or motels offering “family” rates. Be sure to take advantage of free tourist attractions such as parks, museums, free gardens and monuments. · Consider an adventure trip or “camping” vacation. This is really cheap and fun. Some national parks and forest campgrounds only charge you minimal fee for your stay, and some even let you rent your tents. The idea of marshmallows with hotdogs on your bonfire can be really exiting. Don't forget to budget your money for your souvenir allowance. Don't buy unnecessary souvenir items that can only be sold at your garage sale the following year. Buy something useful. Be sure to have portable irons when traveling. Press jobs at the hotels are really expensive. Don't forget to bring your first aid kit that should contain, medicines, alcohol, and stuffs that can heal minor bruises and cuts. · Leave and entrust your pets to your friends or families instead of bringing them along. How to save on prescription drugs Save on your Prescription Drugs There are many money-saving tips in purchasing prescription drugs and one way to doing this is to go through all your resources and look into other possibilities which will help you accomplish the task on saving. A recent national study on prescription drugs show that most Americans are using more prescription drugs at a younger age. Oftentimes, people resorted to ineffective medical products in favor of more potent yet approved products by the government. The study revealed that the Americans spending have increased to twenty five percent annually between 1996 and 1999. The same thing applies to seniors. It shows that more than fifty percent of the senior citizens aren't covered by any insurance inclusive of medicine benefits specifically for prescription drugs. The following tips provides the best recommendations for saving on prescription drugs and how one would be able to manage to keep them fresh and save on future need of such drugs. a) Go for Generics - Don't forget to request the generic brand of the drug prescribed to you. Up to fifty percent or more can be saved from the cost of the initially prescribed medicine by your doctors. Using the generic brand of medicine can help you save on the average cost of each medicine. Most pharmacies don't offer generic brands unless specifically asked. b) Make Comparisons - Make sure to compare the prices from different pharmacies before finally purchasing. Values can really vary. Some pharmacies can offer certain discounts on specific brands of medicines. c) Look for Discounts - Members of AARP can receive discounts especially from mail-order pharmacy discounts. Check the Veterans Administration to check if you are eligible for some veterans’ benefits. d) Keep Drugs Away from Sunlight. Make sure to store your medicines and pills away from moisture and heat to ensure the optimal potency of these drugs. Most drugs, when exposed to sunlight, tend to lose their potency. This happens because the very chemical nature of the drug is destroyed and thereby losing its original chemical effect on the body. e) Talk to your Doctor - It is definitely okay to ask and inquire to your doctors about the medicines prescribed to you. You are still in control of your own health. And most doctors even expect you to ask for less expensive brands of the medicines written on your prescriptions. You are the only one responsible for your health; it is necessary that you are well informed of all the medicines and medications you are taking. f) Assess yourself - It is imperative to keeping a daily ”record” of your physical health. It is really easy to research on your medical condition over the Internet. Maximize your resources. Comply with the treatment plan that you and your physician have designed for your health. Carefully and specifically following this plan can help you save money and avoid future recurrence of the existing illness. g) Double it Up - The fastest way to saving money is by dividing the drug cost in half. One way to do this is through literally cutting a drug in half to attain the exact dosage desired. For example, if your doctor prescribed you a 40 mg dosage, you can buy the 80 mg tablet and just split it in half. This is since there is a very minimal difference on the price of the 40 mg to the 80 mg. You can save by doing this technique. h) Ask for the samples. A lot of pharmaceutical companies supply their pharmacies with more than enough of sample medicines. They are very eager to let people try their products. All you have to do is ask your pharmacists. This can be really safe for short-term illnesses, and could help you save money before buying. i) Know what your medical insurance covers. Make sure that you fully understand its coverage before signing up with the plan. Be specific of the maximum amount of your co-payments will pay for the whole year. More often than not, a health plan only approves for certain pre-approved drugs. Don't forget to consult your family doctor before completely signing up for the plan. Open formularies present more drugs but cost of the plan will definitely vary. j) It costs less to buy your medicine in bulk. However, make sure to discuss this with your physician, some medicines aren't advisable to be purchased in bulk.

Making Money Online: Let’s Get Started



Making Money Online: Let’s Get Started
Contents
Disclaimer .................................................................................................. 3
So You Want an Online Business ............................................................. 5
Building Your Website ............................................................................ 14
Taking Payments ..................................................................................... 19
How to Get Visitors ................................................................................. 21
You are Now Up and Running!............................................................... 25
Resources ................................................ Error! Bookmark not defined.
Making Money Online: Let’s Get Started
Disclaimer Disclaimer
Reasonable care has been taken to ensure that the information presented in this book is accurate. However, the reader should understand that the information provided does not constitute legal, medical or professional advice of any kind.
No Liability: this product is supplied “as is” and without warranties. All warranties, express or implied, are hereby disclaimed. Use of this product constitutes acceptance of the “No Liability” policy. If you do not agree with this policy, you are not permitted to use or distribute this product.
We shall not be liable for any losses or damages whatsoever (including, without limitation, consequential loss or damage) directly or indirectly arising from the use of this product.
Making Money Online: Let’s Get Started
Is it REALLY Possible?
If this book represents your first foray into the world of making money online you may be asking yourself the question “is it really possible to earn money on the Internet?” The answer to this question is an unmitigated 'yes'.
Millions of people all over the world earn part or all of their income online. I'm not just talking about big companies by the way, but individuals working from the comfort of their own homes using websites they created to earn incredible sums of money every year, in and year out. When faced with this fact you might then begin to think, “yeah but those people are probably computer geniuses who have spent all their lives behind a computer.” Actually, nothing could be further from the truth.
Earning significant income using the Internet doesn't require any specific skill or a long history of becoming familiar with computers or the Internet itself. There is an incredible amount of information available to you to help you get started with your own profitable online business no matter how much or how little experience you may have.
With this book, we hope to familiarize you with some of the basic information needed to get your Internet business up and running including such topics as what kind of business to choose, how to design a website, and even attracting visitors to the website once it's built. Make sure to take your time and study each section carefully because throughout the book we have provided you with detailed information and website links that will give you all the resources necessary to get started today. So what are we waiting for? Let's get started …
Making Money Online: Let’s Get Started
So So You Want an Online BusinessYou Want an Online Business You Want an Online BusinessYou Want an Online Business You Want an Online Business You Want an Online Business You Want an Online Business You Want an Online Business
I want to kick off this section by drilling a point home in your head. The topic of deciding what type of Internet business to own is immense. The area of choices available to you can simply be overwhelming at times and this fact alone causes many to never get past the starting line.
You'll never earn a dime if you don't take action so deciding on what type of business you will own and what type of product you'll sell should be something that you decide on rather quickly.
If you follow the information that we have outlined for you, then building your initial business won't require a lot of startup capital so if in fact you decide that the product you chose to sell is either unprofitable or simply doesn't interest you then switching gears and taking a different route won't represent a huge financial loss; having said that, we will provide you with tips along the way to help greatly minimize the risk associated with your initial decision.
One of the easiest ways to get up and running with Internet business is through the sale of information products. Information products are simply those that provide you with information about a particular subject that you want to know more about.
Anyone who has an interest on any subject would welcome more detailed information about their interest and providing this to them in an attractive easy to consume product has been the basis of more than one success story on the Internet. Let's take a look at some of the ways you can find a product to sell on the Internet.
Making Money Online: Let’s Get Started
Affiliate products
Becoming an affiliate of someone else's product is incredibly easy and can be incredibly profitable. You're simply acting as a salesperson for a product that someone else created and you'll use your website to help sell this product. The product creator pays you, the affiliate, a commission for each sale you make, and in turn, you won't be in charge of any of the overhead or service related to creating, delivering, or servicing the product once you make the sale.
Many large and well-known companies have affiliate programs and will pay you a percentage of the sales made from any visitor you send to their site. In addition, many info marketers have created individual products for sale on the Internet and will allow you to earn commissions on the sales as well. These info products are incredibly popular on the Internet and because of this and the potential profits that can be made quite easily, they will be the focus of most of our discussion throughout this book.
One of the easiest places online to find all of the affiliate programs you may ever need is www.clickbank.com. Click bank offers you the ability to sign up for free and become an affiliate of thousands of products. Simply choose one of these products and build your website and marketing efforts around it.
Click bank offers tutorials on how to get started and support can often be obtained through the creators of the product as well. Once you sign up for a program you will be allowed to use a myriad of graphics and advertising materials to help you achieve your sales goals.
Making Money Online: Let’s Get Started
While earning a percentage of a sale through an affiliate program is attractive, especially considering how quickly the programs can be set up, earning 100% of the sale can be even more attractive. The only way to do this is to create your own product.
Creating your own product
This statement may shock you, but I'll bet you yourself have inside your mind information that would make for an incredibly valuable and profitable info product. The fact is, all of your experiences, talents, and skills if put down in the proper format, could very well represent a value to someone else that doesn't have that knowledge or skill.
Simply make a list of any hobby or talent that you have that you could teach to somebody else. If there is a big enough interest in a particular subject matter that you have knowledge about then don't hesitate to create a product. As far as the world of online goes, an expert is merely someone who can provide specific information about a topic that someone else wants to pay to learn.
Creating your product doesn't require any special skill either. A salable product could be as simple as an e-book, such as the one you're reading now, or a more detailed program that may include a series of videos, audio lessons, or a combination of any of the three.
There are many places online you can use to outsource the work to be created. If you can type or talk into a microphone then someone else can take this recorded material and turn it into an information product you could sell on your website. For more detailed information about this particular subject, simply go to Google and type in how to create an info product and a plethora of solutions will be available to you.
Making Money Online: Let’s Get Started
Making Money Online: Let’s Get Started
Now that you've got the goods, it's time to set up shop
Once you've decided on a particular product to sell, it's time to begin building your storefront. In this case, of course, your storefront will be your website. The first and one of the most important subjects we're going to talk about in creating your website choosing a domain name.
Picking and buying your domain name
There is no rule that says the first step of creating your website should be choosing your domain name but the name of your url will be used throughout your marketing and on your website so it makes sense to go ahead and take care of this one now. Just to clarify, your url is your actual website address such as www.yourwebsite.com. In this case, yourwebsite would be your domain name.
Choosing your domain name is important and the simpler and more specific you make it to what your website is about, the better. If your website is about learning how to play tennis better, then www.learntoplaytennisbetter.com would make a pretty good website address.
The shorter you can make it the better. Most really short domain names are pretty much gone these days but if you can find one that fits, it might make for a great choice. Here is a quick breakdown of some tips that can help you choose a good domain name for your online business.
Making Money Online: Let’s Get Started
1. Keep it simple-use few words, but make them specific to your topic
2. Incorporate keywords if possible-If you can include keywords that people are searching for in your domain name, this will help your site show up in the search engines when people are searching on your topic
3. Choose your extension-in the website www.yourwebsite.com, .com is your extension. There are others available for different industries such as .edu for education and .biz for business, but .com is the oldest and still most popular. If you can get a .com for the domain you select, then grab it
When choosing to purchase your domain name one company has risen above all others:
www.GoDaddy.com
There are certainly many places where you can purchase domain names online but Go Daddy has made them their specialty and their familiarity with the needs of their customers and providing a consistent level of quality customer support has made them the true leader. They offer domain names for less than $10 per year and much less than that if you purchase them for several years at a time. Their full-time customer service support team can take you through the entire process with ease.
Hosting
Making Money Online: Let’s Get Started
The best analogy I can give to the relationship between hosting and your website is hosting is like a piece of land, and a website is like a home that you put on it. Your website needs a place to live on the Internet and that's exactly what hosting services provide. They help to ensure that your website is online and visible to everyone on the Internet 24 hours a day.
There are several things to look for when choosing a hosting service and only one of those is price. Because of competition in the marketplace, the price of hosting has gone down dramatically over the years while the amount of services they provide has gone up. The key thing you want to be concerned with is the quality and level of service you receive from these hosting companies
It’s unfortunate to think about, but the fact is problems can and probably will arise with your website at some point in time. It's comforting to know that the hosting company you've secured will be there when you need them. This should include a variety of ways to communicate with them including of course e-mail and phone.
If the hosting company you work with only provides e-mail service, this could lessen their effectiveness in times of trouble. In addition, make sure to note their hours of service because unlike a bricks and mortar store, your website will be available to customers 24 hours a day seven days a week; you want your host to be available for you as well.
Your hosting account is where you will upload the graphics of your website to then be sent to go live on the Internet. The process of doing this is called FTP, or file transfer protocol. The process is incredibly
Making Money Online: Let’s Get Started
simple using the control panels that will be available to you on your hosting account, and depending on the level of customer service that the hosting company provides, they may be able walk you through this process the first few times to make sure all goes well.
Below are just a few hosting companies that have provided markedly good service over the years and are backed by an overwhelming amount of positive feedback from past and existing customers. We have provided a few basic specifics about each company, but make sure to visit each site to investigate the terms and services of each company to decide which one will be right for your online website project.
 http://www.hostgator.com/ -Host gator has a great reputation in the industry and depending on the scope of your project, can host your website for as little as $4.95 per month. In addition to the 1-800 number prominently displayed on their website, host gator provides a variety of ways to communicate with them and operates on a business model that features 24/7 customer service.
 http://www.thirdspherehosting.com/ -Third sphere hosting is a somewhat new kid on the block and they're making a big splash with the incredible variety of services that they are offering to clients. While other hosting services provide you with some options to help you build a website, third sphere actually features this as one of the main benefits of signing with their company. Again, the level of customer service and communication has been mostly positive from folks who have dealt with this firm.
Making Money Online: Let’s Get Started
 http://www.cheapwebhosting-1.com -for those of you just starting out and who are on an extremely tight budget, you may consider cheaphosting-one.com because their beginner plan is priced at just $12 per year. While their services are not as comprehensive as those listed above, and they don't offer phone support at this time, the company does stand behind the service of its products and can represent a great choice for someone just starting out.
Because of the low prices associated with hosting companies today and the general ease of use in working with them, many people take their website hosting services for granted; this is a mistake. All of the amount of work that goes into designing and building a website not to mention driving traffic to it in order to sell a product you are featuring would be completely a waste of time if no one can see it.
Developing a strong relationship with a reputable hosting company should be your first step into your online marketing venture. If you latch onto a good one early, you may have just started a relationship that will last for years and wind up being very, very profitable for your business.
Making Money Online: Let’s Get Started
Building Your W Building Your W Building Your W ebsiteebsite ebsite
So, we've purchased the land (hosting) and now it's time to build the house (website).
Like all aspects of products and services that are available on the Internet, there is almost an unlimited amount of directions you can go with the creation of your website.
Gone are the days of simple static business card type websites that featured a bit of info about your business and a phone number at the bottom or a link to an e-mail. Nowadays, Internet customers are savvy and it takes a good deal of marketing and sales initiative to encourage them to make a purchase with you versus another online vendor.
There are several aspects that must go into creating a successful website and they include the design and graphics of the website, the sales page presented on it, the customer tracking or follow-up capabilities, and finally the use of other types of technology on your website to encourage sales and grab attention.
Elements of a successful website
 Website design/graphics-if you've spent any amount of time at all searching on the Internet you've probably seen some pretty flashy websites. Some of the blinking lights and flashing designs that jump out at you almost make you think you're visiting the strip on Vegas. All too often, people assume that they must make their website as bold and
Making Money Online: Let’s Get Started
graphically intense as possible but this just isn't necessary. Your website is designed to do one thing and one thing only: convert visitors into buyers. There is no specific rule that states that you must have a ridiculous amount of loud graphics in which to do this and oftentimes a simple website will work even better than one that is flashy. Having said that, you don't want a website that contains nothing but words either because your visitor will quickly become bored and click away. A good combination of attractive graphics that are specific to your product as well as a decent amount of content designed to help sell it is what is required. You'll certainly want to have a logo of some sort and may choose to incorporate this in a header, which is a graphical bar that will go across the top of your website. In addition, pictures of the product you are selling as well as any other pictures that pertain to the product are often helpful. Don't be too concerned with graphics at this point because if you are a complete beginner there are plenty of graphic and website creation services available that can handle the process from start to finish for very reasonable fees.
 Creating your sales page-when someone hits your website it is your job to make sure that the message offered is compelling enough to encourage them to purchase the product. This is done through the use of the sales page.
Making Money Online: Let’s Get Started
Basically, the content, at least on the front page of your website, will be a part of the makeup of the sales page. You'll want to include all of the features and benefits concerning your product as well as testimonials from satisfied customers. Creating a sales page that really does an affective job of converting website visitors to purchasers is somewhat of an art form. Many successful copywriters charge thousands of dollars to create such sales letters but there are much cheaper alternatives available for you. One way is simply to create the sales letter yourself. If you take the time to include the compelling reasons of why someone would be interested in purchasing your product you can have great success doing this on your own without spending any money at all. If you choose to go it alone there are some great resources on the web to help you out, just search for how to write a sales letter on the Internet to get a hold of all of the free information you need to help you on your journey to completing your first sales letter. In addition, there are some web and software applications that will help you with this process. Here are a few links to some that can help you get this job done:
o www.pushbuttonletters.com
o www.salescreatorscreator.com
o www.instantsalesletters.com
Making Money Online: Let’s Get Started
 Customer Tracking and follow up-once you get to the point where people are actually visiting your website you want to make sure that you capture some of their information because if they don't buy the very first visit, you have no way to follow up with them if they leave. The best way to do this is through the use of an autoresponder. An autoresponder is simply a type of software that will allow you to load prewritten messages into it and send them out to your potential prospects at regular intervals. You can encourage the visitors to submit their name and e-mail address in a small form located on your front page by enticing them with free offers if they do so. The free offers associated are the follow-up messages you will send using the autoresponder that are in the form of tips and valuable information pertaining to the subject of the product you're selling. These follow-up messages won't be necessarily sales messages, but they will allow you to stay on the mind of the prospect and remind them that your product is available. Offering any helpful tips and information pertaining to the subject they're interested in is often valued by the prospects and they may stay on your mailing list for some time and eventually buy the product you are selling when they signed up, or maybe choose to purchase something else you begin selling at a later date. When speaking on the subject of autoresponders, one name stands out as the reigning champion: www.aweber.com
Making Money Online: Let’s Get Started
Simply put, Aweber results are second to none and the combination of quality customer service as well as the type of services they offer make them an incredibly valuable choice for anyone looking to establish a profitable online presence. Remember, your autoresponder basically acts like an employee for your company and will work tirelessly to remind everyone of your presence in the types of offers you have available. If you rely on trying to sell everyone on the first visit to your site and don't take advantage of this incredibly helpful technology, you will be leaving a lot of money on the table. Setting up an autoresponder account through Aweber is extremely easy and the customer service they offer will help to walk you through the process the first time if necessary.
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Taking Payments Taking Payments Taking Payments Taking Payments Taking PaymentsTaking Payments
When the Internet was first developed, online payment processing was all but nonexistent. Most businesses simply included information of where you could send your check or money order or a 1-800 number that you could call to make a purchase over the phone. The high-speed world of the Internet makes these options almost obsolete now. If someone is interested in your product and they're ready to buy it you have to provide them the ability to do so. This brings us to the point of payment processing.
Your website must have the ability to process customer's payments in order to deliver the product they wish to purchase. There are two main ways to do this, one being a traditional merchant account, and the other being online payment processors like PayPal. In order to make the most money from your website you want as many payment options as possible so choosing both of these options is the best way to do this. If you're brand new to the world of making money online, using a PayPal account provides an extremely easy option to get started.
With PayPal, you simply have to register and add your bank account information and have it verified. Once you've set up your account, you can install a buy now button directly on your website that once clicked allows the customer to make a payment that will be sent directly to your PayPal account.
When you're ready to make a withdraw, simply click withdraw and the money will be put into your bank account. PayPal simply takes a small percentage of the transaction as payment the same way the traditional
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credit card processors do. For more information on how these work we suggest you visit each of the websites below:
Merchant Account- www.1shoppingcart.com
Online payment processing- www.Paypal.com
Okay, we've chosen a product, picked a hosting service, designed our website including specific elements needed to help make it profitable so were pretty much done, right? Well, almost. If you stopped here, you would probably never make a dime. The reason why is that no one knows you exist. The next step in our journey to making money online is to attract visitors to your website.
Making Money Online: Let’s Get Started
How to Get V How to Get VHow to Get V How to Get VHow to Get V isitors isitors
The subject of getting traffic to your website is immense. We could begin discussing a multitude of ways you could use to do this and at about 100 pages later, we would have just begun to scratch the surface. Attracting quality targeted traffic is perhaps the most valuable skill you can possess as an Internet marketer.
Without potential customers, you simply have no business. We decided the best way to handle the subject in our book here was to simply provide a list of some of the most common ways of attracting website traffic with the ones that are generally considered the easiest and will produce the fastest results first.
It is recommended that you begin to investigate and learn about each method in more detail because the more knowledge you gain about the subjects then the more potential money you can make with your online business.
 Telling everyone you know-once your website goes live, shout it out to the world! While not everyone that you know will be interested in the product you may be selling, they may know of someone who is or may be able to offer you valuable insight as to how to make your website better.
 Include your website url in your signature-think about how many e-mails you send in a week. You simply put the URL of your website underneath your name on every e-mail and it acts as a constant source of free advertising for you.
Making Money Online: Let’s Get Started
Make use of this simple tip and you will get people visiting your website.
 Article marketing-article marketing is exactly what it sounds like: articles that are written about the subject of the types of products you sell are submitted to online directories. Once these articles have been submitted, other websites may choose to use your article as content for their own website and give you credit for writing it as well as a link back to your website. If the article is written well and piques the interest of the reader then they may choose to click on your website. In addition, the other websites containing your article at link will help to rank your website in the search engines. This way, if someone is looking for something in the search engines on the topic that your product is about, it is more likely that they will find your website in the search results. Article marketing is free and can result in immediate clicks if the content and writing of your article generate interest.
 Linking from other sites-just as in the case of article marketing, your website link featured on another webpage is a very good thing indeed. First of all, depending on the information provided with your link some people may choose to click on the link to get more information. In addition, all the links back to your website will help to push you up in of the results of the search engines as well.
Making Money Online: Let’s Get Started
 PPC-PPC stands for pay per click. I do not recommend starting here until you get some background knowledge of how this program works. Basically, you bid on a keyword or keyword phrases that someone might type into a search engine. If your bid is high enough then your website will appear at the top of the listings thereby greatly increasing the potential that someone will click on your website. Unless your visitors are extremely targeted, however, you may end up getting a lot of traffic but no sales. Thus this method of traffic generation can be very expensive if you don't know exactly what you're doing. On the other hand, if you have a budget and understand how the process works, this could be one of the fastest and most effective ways to get traffic to your website.
 SEO-SEO stands for search engine optimization. This is the process associated with making sure that your website is found when someone types in a search term into a search engine. This is perhaps the most difficult and most misunderstood aspects about the subject of Internet marketing. Because the Internet has changed so much since its inception, search engines work dramatically different than they did just a few short years ago. Because of this, many people are still
Making Money Online: Let’s Get Started
trying older tactics that no longer produce real results so therefore it is easy to become confused with the information that you find on the net. One key tip that does remain constant is to make sure that you change and/or update the content on your site regularly. When the mechanics of a search engine are indexing websites for content in order to properly rank them, websites that feature fresh and updated content rank much better than others that stay static. We recommend searching the Internet and reading everything you can about the process of SEO, but for the time being, sticking with the techniques above for now will provide faster and more easily obtained results. There are many firms that offer search engine optimization services but be careful, and make sure to verify the results that they have obtained for others before entering into an agreement with them or you could wind up spending a lot of money with very little results to show for it.
Making Money Online: Let’s Get Started
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If you followed all the steps above, you should now have a website that is live on the Internet, offering a specific product to a specific market, and hopefully attracting visitors who are making purchases. The entire process is of course much easier said than done, but if you take the time to understand the information that has been given and investigate the resources provided to you via the various web links, you can have your very own profit producing website set up easily in less than a week.
Once your business is up and running, the work doesn't stop there. Because this is a business, you should treat it like one and work to constantly make improvements on all facets including the look and feel of your website, the conversion rate at which you turn visitors into buyers, as well as the different ways you can use to drive traffic toward it. The information created thus far on the subject of Internet marketing would fill several lifetimes of learning so no matter how much patience and diligence you have you will simply never learn it all.
The landscape is changing all the time and the best that you can do is try to stay abreast of the current information about what works and what doesn't work in the world of online marketing.
We hope this book has been of value to you in learning just what it takes to begin making money online as you continue your journey, we want to wish you incredible success and hope that this simple beginner's guide to making money online was just one part of your journey to become an Internet millionaire.