Thursday, February 18, 2016

Online Loans? Is it a scam?

Although unsecured personal loans are quick and easy to apply for online, they are some of the most expensive and riskiest loans available. Excessively high annual percentage rates (APRs) make them extremely expensive, and short-term due dates make them a challenge to pay back on time. Each state has different laws and regulations regarding personal loans. Currently only 43 states allow online personal loans or payday loans, so be sure to check your state laws even if a service advertises in your area.
Here’s how these loans work: a lender loans you funds until your next paycheck, at which point a single payment for the principal plus interest and fees is due. Because of their high interest rates and short payback terms, these loans should be the loan type of last resort, after the less expensive and less risky options—as in just about every other legal money source-- have been exhausted.
If you feel you must in fact resort to one of these loans, choose the lender with care. As our reviews show, interest rates and other provisions vary widely. In addition, a number of companies that offer these loans have been fined or otherwise disciplined for running afoul of state regulations. We continue to monitor these investigations to ensure that the companies included in our lineup have a clean track record.
If you want to compare them at one place, do remember to visit this site.

Tuesday, February 16, 2016

The Who's and the What's

The process of insurance has been evolved to safeguard the interests of people from uncertainty by providing certainty of payment at a given contingency. The insurance principle comes to be more and more used and useful in modern affairs.
Not only does it serve the ends of individuals, or of special groups of individuals, it tends to pervade and to transform our modern social order, too. The role and importance of insurance, here, has been discussed in three phases: (i) uses to individual, (ii) uses to a special group of individuals, viz., to business or industry, and (iii) uses to the society.
Uses to an individual :
1. Insurance provides Security and Safety:
The insurance provides safety and security against the loss on a particular event. In case of life insurance payment is made when death occurs or the term of insurance is expired. The loss to the family at a premature death and payment in old age are adequately provided by insurance. In other words, security against premature death and old age sufferings are provided by life insurance.
Similarly, the property of insured is secured against loss on a fire in fire insurance. In other insurance, too, this security is provided against the loss at a given contingency.
The insurance provides safety and security against the loss of earning at death or in golden age, against the loss at fire, against the loss at damage, destruction or disappearance of property, goods, furniture and machines, etc.
2. Insurance affords Peace of Mind:
The security wish is the prime motivating factor. This is the wish which tends to stimulate to more work, if this wish is unsatisfied, it will create a tension which manifests itself to the individual in the form of an unpleasant reaction causing reduction in work.
The security banishes fear and uncertainty, fire, windstorm, auto-mobile accident, damage and death are almost beyond the control human agency and in occurrence of any of these events may frustrate or weaken the human mind. By means of insurance, however, much of the uncertainty that centers about the wish for security and its attainment may be eliminated.
3. Insurance protects Mortgaged Property:
At the death of the owner of the mortgaged property, the property is taken over by the lender of money and the family will be deprived of the uses of the property. On the other hand, the mortgagee wishes to get the property insured because at the damage or destruction of the property he will lose his right to get the loan replayed.
The insurance will provide adequate amount to the dependents at the early death of the property-owner to pay off the unpaid loans. Similarly, the mortgagee gets adequate amount at the destruction of the property.
4. Insurance eliminates dependency:
At the death of the husband or father, the destruction of family needs no elaboration. Similarly, at destruction of, property and goods, the family would suffer a lot. It brings reduced standards of living and the suffering may go to any extent of begging from the relatives, neighbors or friends.
The economic independence of the family is reduced or, sometimes, lost totally. What can be more pitiable condition than this that the wife and children are looking others more benevolent than the husband and father, in absence of protection against such dependency? The insurance is here to assist them and provides adequate amount at the time of sufferings.
5. Life Insurance encourages saving:
The elements of protection and investment are present only in case of life insurance. In property insurance, only protection element exists. In most of the life policies elements of saving predominates. These policies combine the programs of insurance and savings.
The saving with insurance has certain extra advantages
(i) Systematic saving am possible because regular premiums are required to be compulsorily paid. The saving with a bank is voluntary and one can easily omit a month or two and then abandon the program entirely.
(ii) In insurance the deposited premium cannot be withdrawn easily before the expiry of the term of the policy. As contrast to this, the saving which can be withdrawn at any moment will finish within no time.
(iii) The insurance will pay the policy money irrespective of the premium deposited while in case of bank-deposit; only the deposited amount along with the interest is paid. The insurance, thus, provides the wished amount of insurance and the bank provides only the deposited amount,
(iv) The compulsion or force to premium in insurance is so high that if the policy-holder fails to pay premiums within the days of grace, he subjects his policy to causation and may get back only a very nominal portion of the total premiums paid on the policy.
For the preservation of the policy, he has to try his level best to pay the premium. After a certain period, it would be a part of necessary expenditure of the insured. In absence of such forceful compulsion elsewhere life insurance is the best media of saving.
6. Life Insurance provides profitable Investment:
Individuals unwilling or unable to handle their own funds have been pleased to find an outlet for their investment in life insurance policies. Endowment policies, multipurpose policies, deferred annuities are certain better form of investment.
The elements of investment i.e., regular saving, capital formation, and return of the capital along with certain additional return are perfectly observed, in life insurance.
In India the insurance policies carry a special exemption from income-tax, wealth tax, and gift tax and estate duty. An individual from his own capacity cannot invest regularly with enough of security and profitability. The life insurance fulfils all these requirements with a lower cost. The beneficiary of the policy-holder can get a regular income from the life-insurer; if the insured amount is left with him.
7. Life Insurance fulfils the needs of a person:
The needs of a person are divided into (A) Family needs, (B) Old-age needs, (C) Re-adjustment needs, (D) Special needs, (E) The clean-up needs.
(A) Family Needs:
Death is certain, but the time is uncertain. So, there is uncertainty of the time when the sufferings and financial stringencies may be fall on the family. Moreover, every person is responsible to provide for the family.
It would be a more pathetic sight in the world to see the wife and children of a man looking for someone more considerate arid benevolent than the husband or the father, who left them unprovoked.
Therefore, the provision for children up to their reaching earning period and for widow up to long life should he made. Any other provision except life insurance will not adequately meet this financial requirement of the family. Whole life policies are the better means of meeting such requirements.
(B) Old-age heeds:
The provision for old-age is required where the person is surviving more than his earning period. The reduction of income in old-age is serious to the person and his family.
If no other family member starts earning, they will be left with nothing and if there is no property, it would be more piteous state. The life insurance provides old age funds along with the protection of the family by issuing various policies.
(C) Re-adjustment Needs:
At the time of reduction in income whether by loss of unemployment, disability, or death, adjustment in the standard of living of family is required. The family members will have to be satisfied with meager income and they have to settle down to lower income and social obligations.
Before coming down to the lower standard and to be satisfied with that, they require certain adjustment income so that the primary obstacles may be reduced to minimum. The life insurance helps to accumulate adequate funds. Endowment policy anticipated endowment policy and guaranteed triple benefit policies are seemed to be a good substitute for old age needs.
(D) Special Needs:
There is certain special requirement of the family which is fulfilled by the earning member of the family. If the member becomes disable to earn the income due to old age or death, those needs may remain unfulfilled and the family will suffer.
(i) Need for Education. There are certain insurance policies, and annuities which are useful for education of the children irrespective of the death or survival of the father or guardian.
(ii) Marriage. The daughter may remain unmarried in case of father's death or in case of inadequate provision for meeting the expenses of marriage. The insurance can provide funds for the marriage if policy is taken for the purpose.
(iii) Insurance needs for settlement of children. After education, settlement of children takes time and in absence of adequate funds, the children cannot be well placed and all the education go to waste.
(E) Clean-up funds:
After death, ritual ceremonies, payment of wealth taxes and income taxes are certain requirements which decrease the amount of funds of the family member. Insurance comes to help for meeting these requirements. Multipurpose policy, education and marriage policies, capital redemption policies are the better policies for the special needs.
Uses to business :
The insurance has been useful to the business society also. Some of the uses are discussed below:
1. Uncertainty of business losses is reduced:
In world of business, commerce and industry a huge number of properties are employed. With a slight slackness or negligence, the property may be turned into ashes. The accident may be fatal not only to the individual or property but to the third party also. New construction and new establishment are possible only with the help of insurance.
In absence of it, uncertainty will be to the maximum level and nobody would like to invest a huge amount in the business or industry. A person may not be sure of his life and health and cannot continue the business up to longer period to support his dependents. By purchasing policy, he can be sure of his earning because the insurer will pay a fed amount at the time of death.
Again, the owner of a business might foresee contingencies that would bring great loss. To meet such situations they might decide to set aside annually a reserve, but it could not be accumulated due to death. However, by making an annual payment, to secure immediately, insure policy can be taken.
2. Business-efficiency is increased with insurance:
When the owner of a business is free from the botheration of losses, he will certainly devote much time to the business. The care free owner can work better for the maximisation of the profit. The new as well as old businessmen are guaranteed payment of certain amount with the insurance policies at the death of the person; at the damage, destruction or disappearance of the property or goods.
The uncertainty of loss may affect the mind of the businessmen adversely. The insurance, removing the uncertainty, stimulates the businessmen to work hard.
3. Key Man Indemnification:
Key man is that particular man whose capital, expertise, experience, energy, ability to control, goodwill and dutifulness make him the most valuable asset in the business and whose absence will reduce the income of the employer tremendously and up to that time when such employee is not substituted.
The death or disability of such valuable lives will, in many instances, prove a more serious loss than that by fire or any hazard. The potential loss to be suffered and the compensation to the dependents of such employee require an adequate provision which is met by purchasing adequate life-policies.
The amount of loss may be up to the amount of reduced profit, expenses involved in appointing and training, of such persons and payment to the dependents of the key man. The Term Insurance Policy or Convertible Term Insurance Policy is more suitable in this case.
4. Enhancement of Credit:
The business can obtain loan by pledging the policy as collateral for the loan. The insured persons are getting more loans due to certainty of payment at their deaths. The amount of loan that can be obtained with such pledging of policy, with interest thereon will not exceed the cash value of the policy. In case of death, this value can be utilised for setting of the loan along with the interest.
If the borrower is unwilling to repay the loan and interest, the lender can surrender the policy and get the amount of loan and interest thereon repaid. The redeemable debentures can be issued on the collateral of capital redemption policies. The' insurance properties are the best collateral and adequate loans are granted by the lenders.
5. Business Continuation:
In any business particularly partnership business may discontinue at the death of any partner although the surviving partners can restart the business, but in both the cases the business and the partners will suffer economically.
The insurance policies provide adequate funds at the time of death. Each partner may be insured for the amount of his interest in the partnership and his dependents may get that amount at the death of the partner.
With the help of property insurance, the property of the business is protected against disasters and the chance of disclosure of the business due to the tremendous waste or loss.
6. Welfare of Employees:
The welfare of employees is the responsibility of the employer. The former are working for the latter. Therefore, the latter has to look after the welfare of the former which can be provision for early death, provision for disability and provision for old age.
These requirements are easily met by the life insurance, accident and sickness benefit, and pensions which are generally provided by group insurance. The premium for group insurance is generally paid by the employer. This plan is the cheapest form of insurance for employers to fulfill their responsibilities.
The employees will devote their maximum capacities to complete their jobs when they are assured of the above benefits. The struggle and strife between employees and employer can be minimised easily with the help of such schemes.
Uses of society :
Some of the uses of insurance to society are discussed in the following sections.
1. Wealth of the society is protected :
The loss of a particular wealth can be protected with the insurance. Life insurance provides loss of human wealth. The human material, if it is strong, educated and care-free, will generate more income.
Similarly, the loss of damage of property at fire, accident, etc., can be well indemnified by the property insurance; cattle, crop, profit and machines are also protected against their accidental and economic losses.
With the advancement of the society, the wealth or the property of the society attracts more hazardous and, so new types of insurance are also invented to protect them against the possible losses.
Each and every member will have financial security against old age, death, damage, destruction and disappearance of his wealth including the life wealth. Through prevention of economic losses, instance protects the society against degradation.
Through stabilization and expansion of business and industry, the economic security is maximised. The present, future and potential human and property resources are well-protected. The children are getting expertise education, working classes are free from botherations and older people are guiding at ease. The happiness and prosperity are observed everywhere with the help of insurance.
2. Economic Growth of the Country:
For the economic growth of the country, insurance provides strong hand and mind, protection against loss of property and adequate capital to produce more wealth. The agriculture will experience protection against losses of cattle, machines, tools and crop.
This sort of protection stimulates more production hi agriculture, in industry, the factory premises, machines, boilers and profit insurances provide more confidence to start and operate the industry welfare of employees create a conducive atmosphere to work: Adequate capital from insurers accelerate the production cycle.
Similarly in business, too, the property and human material are protected against certain losses; capital and credit are expanded with the help of insurance. Thus, the insurance meets all the requirements of the economic growth of a country.
3. Reduction in Inflation:
The insurance reduces the inflationary resource in two ways. First, by extracting money in supply to the amount of premium collected and secondly, by providing sufficient funds for production narrow down the inflationary gap.
With reference to Indian context it has been observed that about 5.0 per cent of the money in supply was collected in form of premium.
The share of premium contributed to the total investment of the country was about 10.0 per cent. The two main causes of inflation, namely, increased money in supply and decreased production are properly controlled by insurance business, Insurance Need and Selling.

Monday, February 15, 2016

Are you sure or are you insured?

The following point shows the role and importance of insurance:
Insurance has evolved as a process of safeguarding the interest of people from loss and uncertainty. It may be described as a social device to reduce or eliminate risk of loss to life and property.
Insurance contributes a lot to the general economic growth of the society by provides stability to the functioning of process. The insurance industries develop financial institutions and reduce uncertainties by improving financial resources.

1. Provide safety and security:

Insurance provide financial support and reduce uncertainties in business and human life. It provides safety and security against particular event. There is always a fear of sudden loss. Insurance provides a cover against any sudden loss. For example, in case of life insurance financial assistance is provided to the family of the insured on his death. In case of other insurance security is provided against the loss due to fire, marine, accidents etc.

2. Generates financial resources:

Insurance generate funds by collecting premium. These funds are invested in government securities and stock. These funds are gainfully employed in industrial development of a country for generating more funds and utilised for the economic development of the country. Employment opportunities are increased by big investments leading to capital formation.

3. Life insurance encourages savings:

Insurance does not only protect against risks and uncertainties, but also provides an investment channel too. Life insurance enables systematic savings due to payment of regular premium. Life insurance provides a mode of investment. It develops a habit of saving money by paying premium. The insured get the lump sum amount at the maturity of the contract. Thus life insurance encourages savings.

4. Promotes economic growth:

Insurance generates significant impact on the economy by mobilizing domestic savings. Insurance turn accumulated capital into productive investments. Insurance enables to mitigate loss, financial stability and promotes trade and commerce activities those results into economic growth and development. Thus, insurance plays a crucial role in sustainable growth of an economy.

5. Medical support:

A medical insurance considered essential in managing risk in health. Anyone can be a victim of critical illness unexpectedly. And rising medical expense is of great concern. Medical Insurance is one of the insurance policies that cater for different type of health risks. The insured gets a medical support in case of medical insurance policy.

6. Spreading of risk:

Insurance facilitates spreading of risk from the insured to the insurer. The basic principle of insurance is to spread risk among a large number of people. A large number of persons get insurance policies and pay premium to the insurer. Whenever a loss occurs, it is compensated out of funds of the insurer.

7. Source of collecting funds:

Large funds are collected by the way of premium. These funds are utilised in the industrial development of a country, which accelerates the economic growth. Employment opportunities are increased by such big investments. Thus, insurance has become an important source of capital formation.

And, if reading all this hasn't got you thinking, get your insurance quotes now and start comparing here.

Wednesday, February 10, 2016

AdWork Media (Leading CPA Network)

AdWork Media is an innovative CPA affiliate network featuring many publisher tools, including a Content Locker and the first ever Product Locker! Our 270+ incent/non-incent offer base is comprised of top converting campaigns in a variety of niches. We also feature a huge selection of U.S. & International email submits and downloads that can monetize traffic from nearly any country. AdWork Media’s platform and Gateway Lockers are built on a 100% custom in-house platform that allows us to continuously improve the publisher experience. Our reporting manager, campaign manager, and other features are all designed around an easy-to-use experience that also incorporates the advanced settings you should expect from any network. If you have traffic, we will monetize it! Built-In Monthly Performance Bonuses make the earnings even sweeter! Additionally, our knowledgeable support team is available 7 days per week to assist you with technical support and campaign optimizing. Sign up now! Refer your friends for 3% lifetime earnings. 

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Tuesday, February 9, 2016

18 Ways to Earn Money Online (Very Useful)

1. Earn from PTC sites

If you are trying to earn money online & need only small extra income less than $200 (Rs.12,000) then PTC sites are the best way to start.get_paid
Here you need to click & read the advertisements for 10 to 3o seconds & get paid for each & every advertisement you view.
There are many sites where you can register & make money by reading ads. All sites are free & there is no investment at all.
You can check this list of 5 best PTC sites, signup & start earning.

2. Earn with GPT Sites

To add more income, you can also join GPT sites where you can earn money by taking small surveys, watching videos, playing games & doing many more activities.
We have worked on number of GPT sites but we will recommend only 3 sites which pays their member on time. You can receive your payment by PayPal, cheque or bank transfer.

3. Become a Captcha Solver

If you have more time then you can add further income in your pocket by working as a captcha solver. This is the one of easiest way to earn money online.
As a captcha solver, you need to read the captcha images & type the exact characters. You need to be very fast in order to earn better income.
You can get paid up to $2 for every 1000 captchas you solve.
If you are interested in this then you can check this list of 10 best captcha entry sites.

4. Earn Money from Survey

Here you can make money by completing small surveys which takes 5 minutes to 30 minutes depending on the requirement of a particular company.earn from survey
You need to write your feedback & opinion in a survey. You just have to select your choice from the question & there is no need to write anything.
You can make $1 to $20 depending on the length of the survey, your profile & the country you are living.
Visit here to join 20 best survey sites & to know more about online surveys.

4. AdSense & other Ad network

Although this one is the most favourite in my list but I put this in #4 because its not as easy as other 3 above & it takes time to make money from Google AdSense.earn from adsense
You need a website (which anyone can create now a days) & some tricks to bring the traffic on your website so that you can earn money from AdSense & other ad network.
We have prepared one of the best course on AdSense earning which thousands of people in India & all over the world have used & now they are earning $200 to $1000+ per month.
This training course is absolutely free & you can download after signup here.

5. Earn with Affiliate Marketing

If you are serious about earning money online & you are a hard working guy who wants to make big income then affiliate marketing is for you.
There is more scope for affiliate marketing than before because of the high growth of online shopping.
There are hundreds of online merchants like FlipkartAmazoneBayClickbankCJ etc. where you can signup & promote their products.
In affiliate marketing, you are simply helping customers to buy the right product by creating a simple website & in return you can earn 4% to 20% commission.
You can signup free here so that we can send you one of the best guide on affiliate marketing that can help you to earn great income.

6. Become a freelancer

Freelancing is another popular way to make money after AdSense & affiliate marketing. As a freelancer, you can work with small or big companies on a temporary basis & provide them your services.earn as freelancer
Freelancers can make $500 to $2000+ per month depending on the type of skills you will use as a freelancer.
You can work as a content writer, web designer, graphics design or provide services like SEO, data entry & many more.
There are dozens of popular websites like ElanceFreelancer.inWorkNHireUpwork,People per Hour etc. that can give you the ready platform with ready clients.

7. Virtual Assistant

A virtual assistant is like a personal assistant who can earn money by working online for someone without being physically present.
He can do variety of tasks like taking care of websites, counselling, writing & proofreading, publishing content, marketing, coding, website & app development, research etc.
There are dozens of companies like HireMyMomMyTaskerZirtualuAssistMe,123Employee where you can signup for virtual assistant work.

6. Writing Job

Writing is another better way to earn money on internet through writing different types of content. You can write for blogs, companies, institutions, individual people etc.
Different types of writers get paid differently. Normally people get paid $5 or more for 500 words content.
You can go to the sites like Elance, iWriter, WriterBay, FreelanceWritingTextBroker, ExpressWriters.com, FreelanceWritingGigs.com to find the content writing jobs.

7. Web design

If you have idea of web design & development then you can make money online by taking order from the customers who are looking to develop their website.web design
If you don’t have idea then you can take the training & then start this because this field has got a great potential. Either you can promote this offline or create your own website and promote 0nline.

8. SEO

This is one of the most popular business online & if you have idea of SEO then you don’t have to worry about making money online.seo
Companies spend hundreds to thousands of dollars every month on SEO so that their website can get on the top of Google for their business keywords.
You need to take the training from a popular institute like SEOTrainingCourse.co.inwhere you can learn practical SEO tips & implement the same to rank different types of sites.

9. Micro-working

If you are a kind of person who want simple ways to earn money online & not mare than $200-$300 (Rs.15000) per month then you can become a micro worker.
Here you can work on variety of different tasks like identifying an object, rating & commenting on different sites, visiting some websites, finding contact details, doing small research, writing small articles etc.
There are many websites like mTurkMicroWorkerSEOClerkClickWorkerGigWalkwhere you can work as a micro worker & earn extra income.

10. Seller on Fiverr

Fiverr is a place where you can do any service for $5. You can visit the website Fiverr.com & check which type of service you can do on Fiverr.make_money_with_fiverr
You can become a seller on Fiverr & create your gigs where you can tell people that you can do so & so for $5.
People see your gig & if they like it, they will order your service. Even if you complete 1 gig a day, you can make $150 or Rs.9000/- per month.
Our training material on Fiverr can help you to grow your business & you can make great money from Fiverr.

10. YouTube Channel

You go anywhere or do anything, if you love shooting videos on all these occasions then there is a great scope for you to earn money from YouTube.
All you need to do is upload the videos on YouTube & become a YouTube partner. For each & every view, you will get paid.
Sometime if any of your videos become viral then you can make huge money.

11. Become an online seller

Online selling is not like traditional selling. Here you just need to become a seller on some of the top shopping portals like eBay, Amazon, Flipkart, SnapDeal etc. & list the products you want to sell.
You can roam around your city & check for the best products you can sell on these sites. You need to try the best products that you can sell at lower than market price.
Trust me, its easier than your thought. Only thing you need to do is take action.

12. Domain Trader

Domain trading is another high profit business you can do online. But here you need some investment for buying the domain.’
You must be an expert OR you should get detailed knowledge before you start this business. You can buy domains from GoDaddy or other domain registrar for less than $10 & sell in future to the needy person for hundreds of dollars.
Your skill here is to identify great domains that are not booked yet & companies in future can try to buy that domain.domain_trading
When companies don’t find the domain of their choice, they contact the domain owner for the deal & it’s in your control to fix the price.
You can even put your domains on auction so that people can buy directly at your desired price.

13. Website flipping

Like domain trading, website flipping is also a hot business to earn money online. Here you don’t deal with domains but websites.
You have to create a website, work on it for 3-6 months or more so that you can start making money from the websites.
After earning for 2-3 months, you can put that site on auction on Flippa & other platforms. You can easily get 15-20 times price of your monthly earning from that website.

14. Provide training & consultancy

If you possess some good skills & love to teach then you can start a training or consultancy business online.
You can provide training on English or any computer course, provide consultancy on vastu, any technical topic or if you are a doctor can provide consultancy for treatment etc.
There are number of things you can teach online. You can promote your business by creating a website or a Facebook page or by placing ads in classified sites etc.

15. Stock & Forex Trading

Stock trading & forex trading is a very lucrative way to make money for those who has good idea of the market.online trading
There are number of free or paid courses available on internet that can train you for online trading. You can even read newspaper like Economic times or watch TV channels like CNBC to become more expert in the field.
Its risky to enter into this market without sufficient knowledge.

16. Earn money from your smartphone

There are various apps that can make you some small money by doing & completing some simple tasks on your Smartphone.earn_from_smartphone
There are at least 10 apps that can earn you some extra income in the range of $100-$150 a month. You have to take simple surveys, complete offers by signup on other websites, play games, watch videos etc.
We will show you the list of these apps after you signup for our training.

17. Sell photos online

This is another use of your smartphone. You can take high quality images of nature, places, people, things, dishes, homes etc. & sell them online.
There are number of big sites like ShutterstockFotolia, , iStockPhotoPhotobucketwhere you can submit your photos.
Whenever some customer wants to purchase your photos, you will get paid as per the price you fix. You can get paid multiple time for the same photos.

18. Sell old stuff on OLX or Quikr

I am sure there may be number of things in your home that are lying unused for months & if you take little efforts, you can earn some good money.sell_old_stuff
You just need to do 2 things, i.e. find out all the items that you are no longer using, take high quality photos of these items from different angles & list these items on OLX & Quikr for sale.
Not only this, you can also ask your friends & relatives for selling their old stuff. You can help them selling these items & make some commission.
So these 18 ways can provide a perfect answer for your query ‘how to earn money online” & yes, you can shoot an email to us in case of assistance.

Monday, February 8, 2016

Do you make money online?

How many articles are there about making money online? Thousands?  Millions? Enough? Probably. But there’s a problem. Too many of them are just sales pitches to convince you to sign up for some seminar, webinar, training session or some other way to become an online millionaire.
They really give online money making a bad name. But it is possible to make money online. I mean, the people selling all of those millionaire pitches are making money, right?
There are legitimate ways to make money online. The problem is that the real ways to make money aren’t “get rich quick” schemes.
Most of them require a lot of work and sometimes a lot of dedication before seeing a return on your time.  But if you really want to make money online, work from home or turn an idea into a business, you can do it. You can even earn money with apps if you don’t want to venture all the way to the computer.
I’m going to tell you about all kinds of legitimate ways to make money online.  Since we are talking about legitimate jobs, you’ve got to be…well, legitimate. Many of these options are real jobs that require you to put in hours if you want to get paid. They also require real work. Here are some tips for actually getting the job:
  • Take it seriously. Yes, you’re applying for an online job. Yes, you can do the work in your underwear, but that doesn’t mean it’s not a “real job”. You must treat it as such or they aren’t going to treat you as a serious candidate. You aren’t the only one who wants to work in their underwear. In fact, the competition online is likely higher than it is in your local area.
  • Be professional. When you submit a résumé, don’t type it in ALL CAPS and please don’t avoid the caps lock like the plague. Know how to use it without looking incompetent. Write in complete sentences with proper grammar. Of course, there will be exceptions, but even with the exceptions, you must keep it professional. You’re building their view of you.
  • Give some, but not all.  Whether you’re providing writing samples, a photography portfolio or links to your work, give them enough examples to get the idea, but not so many that they don’t even know where to start. And while we’re on the topic, give them some of your background information, but don’t tell them your life story.
  • Double check yourselfbefore you double wreck yourself. Make sure everything you send to a company, whether a résumé, an email or a portfolio, is good to go. Double check your grammar and wording, and for God’s sake use spell check! This is especially important when it comes to the company’s name. Don’t spell their name wrong and be sure to type it how they type it (e.g. Problogger, not Pro Blogger).

1. Websites That Pay

Let’s go ahead and get this out of the way. There are all kinds of websites that will pay you for various things, such as shopping, taking surveys or testing products. No, I’m not getting paid to promote any of these and no, these websites won’t make you a millionaire, but they are great for earning some extra cash. I’ll leave out the scams.
Here are some legitimate websites that pay:
  1. Swagbucks – Swagbucks is great for earning some extra cash. You can do a variety of things to make money, from taking surveys to using their search engine. You won’t get rich, but you will earn a few bucks. If you have the time to kill, you can spend it earning some extra cash, instead of surfing the web.
  2. InboxDollars – InboxDollars is similar to Swagbucks, since you’re going to be taking surveys, shopping, etc., so if you want to maximize your return, sign up with both websites. They also offer a search engine that pays you (like Swagbucks) and you get $5 just for signing up.  I won’t continue to list survey sites one after another down the list, but if you want to get paid to take surveys, also check out GlobalTestMarketE-Poll Surveys and Survey Club.
  3. Project Payday – Project Payday is one of those sites that has testimonials of people who have earned thousands of dollars by getting paid to get trial offers. I’m not saying you’ll earn thousands, but it is legit and you can earn some extra cash. They assume that by paying you to do a free trial, you’ll either like the product and purchase it, or forget to cancel the trial and get charged for it. If you can keep track and cancel before you get charged (if you don’t want the product), then this is a great site for making some money.
  4. User Testing – User Testing pays $10 a pop for testing websites. A test usually takes about 15-20 minutes. The purpose is for a website owner to watch someone, who is new to their site, try to navigate it. The value that the site owner gets by watching an actual user experience is worth a ton, but $10 isn’t a bad pay-out.
  5. Fiverr – Fiverr is a great place to make a few bucks or spend a few bucks if you need some of the services people offer. Basically, everything is $5. You either pay $5 or charge $5. They call them “gigs.” You can offer your services however you choose. If you sell art and you’re fine selling pieces for $5 each, that’s a gig. If you’re a graphic designer and you want to offer your services for $10/hour, simply offer a 30 minute gig. If they need two hours of graphic design, they pay you $20, or $10/hour by buying four gigs.
  6. IZEA – IZEA works in addition to a blog or on its own. You get paid to blog, tweet, take photos and take videos. The pay is mostly based on your following, so if you want to make money with your tweets, you’ll need to grow you Twitter following.  Likewise, if you want to make money with blogs, you’ll need substantial blog traffic (more on blogging below).

2. Freelance Writing

Freelance writing is one of the most popular ways to earn money online. Many successful freelancers can earn an average of 50 cents to a dollar per word. Some are earning twice that!
Of course, it doesn’t start out like that. You’ve got to build your portfolio and your résumé, blah blah blah. If you’re interested in writing, I’m sure you know this. If you’re not interested in writing, I wouldn’t recommend traveling down this road just for the money.
It takes dedication and time, though it can be highly profitable if it’s what you love. Assuming it is what you love, let’s talk about making money with it.
Before you decide to start reaching out to all of these freelance writing companies, you need to have a web presence. You need a blog (in my humble blogger opinion, of course).
Or you could just have an online portfolio. Even a LinkedIn profile works to get started. When you’re ready to start, here are 150 resources to help you write better, faster and more persuasively.
If that’s intimidating, just start with these 50 resources.
Now for what you’ve all been waiting for; once you’re ready to actually start making money, here are 10 websites you can start with:
  1. Listverse – Listverse pays $100 for each accepted post. The article must be a list, it must be at least 1,500 words and you must include at least 10 things. Other than that, you can get pretty creative with it.
  2. TopTenz – TopTenz pays $50 for each accepted post. Again, the article has to be in a list format and it must be at least 1,500 words, with few exceptions. They post often so your chances of getting accepted are fairly high.
  3. A List Apart – A List Apart pays $200 for each accepted post. They’re not first on the list, because they tend to publish less articles, which means you have a smaller chance of getting accepted. Same guidelines as above, 1,500 word minimum.
  4. International Living – International Living pays $75 for each accepted post. They are mostly looking for travel experiences from countries you have visited. For this site, it’s more about your experience than your writing ability.
  5. FundsforWriters – FundsforWriters pays $50 for each accepted post. They are looking for articles about writing and making money with it. They only accept articles between 500-600 words, but they want you to make each word count.
  6. Uxbooth – Uxbooth pays $100 for each accepted post. They do tend to take four to eight weeks to accept and post articles, so don’t count on this being a quick money maker. They take so long, because they pair with editors to only publish amazing content.
  7. iWriter – iWriter pays up to $15 for each accepted post. That may seem small, but they aren’t as strict as many of the others above and they also allow you to pick exactly what you write. You can write as many or as few articles as you want.
  8. Textbroker – Textbroker pays up to five cents per word, if you’re a 5-star writer. You’ll start by submitting a short sample article and you will most likely start as a 3-star writer, but you can work your way up by writing more and writing great content.
  9. Matador Network – Matador Network pays up to $60 for each accepted post, but standard pay is around $20-$25. They don’t really focus on a minimum word count, but they have a maximum count of 1,500 words.
  10. The Penny Hoarder – The Penny Hoarder pays up to $800 (rarely), depending upon the number of page views you receive. The pay starts at $100 for 50,000 page views, so this isn’t a guaranteed paid article, but it can potentially be highly rewarding.
There’s no doubt that you can make money with freelance writing, but it’s a process. Once you start building your portfolio and your writing skills, you can start making some serious money. If you’re not an experienced writer, expect to put some time in before you really start to see some dough.

3. Sell Your Stuff

Ever since the idea of online auctions came into existence, the online selling market has been on the rise. Many are interested, but don’t know how to get started. There are still all kinds of ways to make money by selling online, whether you’re selling what you already have or buying and selling like a store. Before we get started, here are a few general tips when selling anything online:
  • Get a PayPal account. If you don’t have a PayPal account, you’ll want to get one if you’re doing business online. It’s the standard in online business for receiving payment and paying others.
  • Take good pictures. Some of the options below don’t require you to actually take the picture and sell the product, but for the ones that do, make sure you take a clear picture that makes your product stand out from the others.  If you’re going to be taking a lot of pictures, set up a small “studio-like” area in your home with a backdrop and proper lighting to really make your pictures come across as professional. And of course, you’ll want a good camera too.
  • Be honest.  If you’re selling used items, be honest about every dent, scratch, blemish, etc.. This will reduce many issues you could run into and keep your reviews positive.
  • Do good business. Plain and simple. Whether you’re selling on a small site or opening an online store, your customer service matters. You’ll want to get those positive reviews and make a good name for yourself. Respond to questions, concerns and complaints. Offer a guarantee if available.
Follow those guidelines and you will do well in online sales. When you’re ready to start selling, here’s where you go:
  1. Amazon – Have you heard of FBA? It stands for “Fulfilled by Amazon” and it’s getting pretty popular. Basically, you buy products (in bulk is best) and ship them to Amazon for them to store. When your products sell, Amazon packs them up, ships them out and sends you the money (after taking their cut). There are people making a full-time living from FBA, while others just do it for some extra money.
  2. CraigsList – Some things don’t ship very well. Other things may make you feel uncomfortable to sell to someone across the country. Anytime you’re selling a large item or something you just don’t want to ship, Craigslist is a great place to go. It’s simple to list your item (again, take good pictures!). If you don’t like the idea of putting your phone number out there, the interested individual can send you a message to your inbox without even getting your email address.
  3. eBay – Of course you can’t read an article about making money online that doesn’t mention eBay. You can start an eBay store and get serious about it or you can just sell some stuff to declutter your home. Either way, I’ve made my fair share from selling on eBay and it’s still a popular way to earn money. If you decide to start an actual eBay store, you’ll want to find a drop-ship business like Doba that will store and ship items straight to your customers so you don’t have to deal with an inventory.
  4. Etsy – If you like to create arts and crafts, you can sell them on Etsy.It’scompletely free to open an Etsy store. You simply sign up, post pictures of your creations and starting selling. You can choose your payment option, but PayPal is generally the easiest. Etsy makes it easy to sell and keep track of your inventory. There is a small listing fee and they take 3.5% of every sale you make.
  5. Facebook – Facebook swap shops are great for selling things locally. It’s like CraigsList, but a little easier. You simply search for swap shops in your area and ask to join the group. Once you’re in, take a picture of the item, write a quick description with the price and post it. It doesn’t get much easier than that. You can generally expect to get about what you would get at a yard sale, maybe a little more.

4. Blogging

Hey look, an article about making money online that doesn’t mention blogging. . . oh wait, here it is.
First off, I’m a blogger so it seems wrong not to mention it, but more importantly, it’s a legitimate way to make money. It’s quite possibly the least straight-forward way on this list, but it’s very doable and it’s also quite possibly the funnest way on this list. I love blogging and I know hundreds of bloggers who feel the same. So let’s talk about making money blogging and what it really means.
Blogging is something that requires patience, persistence and discipline. It may mean writing everyday for over a year before you really start to see any money from it. There are exceptions to the rule, but from my dealings with other bloggers, it seems to be pretty common to spend one or even two years building your blog, your brand and your authority, before making any serious amount of money.
Some people argue that you can make money without a lot of traffic and while that is true in some circumstances, you will generally need a lot of website traffic to start earning from a blog and that takes a while. Once you’ve reached that point, here are the primary ways to monetize your blog and start earning:
  1. Advertising – This is definitely the most old-school way of earning money with a blog. It’s also starting to become the least common way. You can sell advertising spots directly on your site or you can sign up with a company like Google AdSense or Media.net. Either way, you won’t see a whole lot of money from ads until your views are well into the thousands each day.
  2. Affiliates – There are many affiliate networks, such as AdWork Media and CJ Affiliate that allow you to promote other people’s products and services. You simply put a link or a banner on your page and then you get a percentage if someone clicks through and buys the product/service. You’ll want to select products that are specifically within your blog’scategory.This is an effective way to earn money once you have the traffic coming to your blog.
  3. Membership – Many people have created a paid membership area on their blog. This is typically for exclusive content that you can only access in the “member’s area.” If you have a really great idea on what to include, this can be a great idea.  You’ll have to create something that can’t easily be accessed around the web.
  4. Products – You can create your own product, such as an ebook or computer software. You would then use your blog as a promotion tool to get people to buy your product. As long as you create a legitimate product with a whole lot of value, you should be able to get some buyers, but like everything else with a blog, you’ll need the traffic to get the sells.
  5. Services – You can offer a paid service, such as life coaching, blog coaching, goal setting or financial planning. Just be sure to investigate all the legal implications and make sure you’re not claiming to be a professional if you’re not one. With a service like this, you’re basically using your blog to sell yourself. You’ll need to convince people that you’re worth buying and then be able to back up your claims once they purchase your service.
  6. Sponsored/paid posts – Many blogs publish sponsored and paid posts. Sponsored posts are basically just posts about a specific brand, product or service. A company will pay you to publish an article about it. It’s similar with other paid posts as well. Your basically selling the spot for the article on your site. If you decide to take this route, you’ll want to build your traffic before you will get many offers.
  7. Subscription – If you think of something valuable (newsletter, online magazine, etc.) that you can consistently offer on a certain basis (weekly, monthly, etc.), you may want to offer a subscription service. This could be a fee charged each time your product is sent out or on a monthly basis. Either way, this has to be something that your customers can only get by subscribing to your website.
  8. Videos – This could be an entire section on it’s own. Many people have made money by creating YouTube videos. Evan of EvanTube is a kid andhe has made millions by creating reviews of products that other kids his age would use. It’s not easy to get views into the millions, but once you do, you’ll start seeing some cash come in. Many bloggers have completely turned to videos to get their point across by starting a video blog.
If you’re truly interested in becoming a blogger, start by looking through the archives of ProBloggerCopyblogger and Boost Blog Traffic. Then go read through all the free guides over at Quick Sprout. It may take you a year to complete those tasks alone, but it will be worth it. You’ll practically have a MBA in blogging.

5. Work-at-Home Companies

Finally, there are some companies that will hire you to work from the comfort of your own home. If you’re interested in working for someone else, while still making your own schedule and deciding where to work from, here are a few companies that will let you do just that:
  1. CrowdSource – CrowdSource offers many types of jobs from “microtask” jobs to larger writing and editing jobs. You decide how much you work and you can do most of it right at your computer.
  2. Demand Studios – Demand Studios is hiring all kinds of creative professionals, from writer to filmmakers. The pay isn’t amazing, but it’s competitive for a work-at-home job.
  3. Fast Chart – Fast Chart allows you to work from home as a medical transcriptionist. There are some requirments and qualifications listed on the page, but if you meet them, you’ll make competitive pay for the industry. You’ll also be able to set your own schedule since you’ll be working from home.
  4. Leap Force – Leap Force is one way that Google rates websites for search engine ranking. If you’re hired, you make decent money (usually over $11/hour), you set your own schedule and it can be pretty fun to view and rank websites.
  5. Liveops – Liveops is a call center that allows you to work from home. Once your set up to take the calls, you can begin making a weekly schedule and working from home. The pay is generally close to $10/hour, but you can earn more with commissions.
  6. SpeakWrite – SpeakWrite will pay you up to $15/hour to transcribe information. You set your own schedule and work from home.
Now you’ve got many different options to start earning online. If you saw something that really interests you, try it out and learn more about it. If you’re really wanting to make a full-time income online, you need to be dedicated to learning how to do what you want to do. There are tons of free resources out there. You just have to search for them!