Make Money Your Friend

Make friends with your money. Like you friend new people on Facebook and other social networking venues. Consciously welcome money into your life, world and affairs.
Think of money as an energy system with feelings. We need to respect its feelings. Invite your money to sit down, have a cup of tea, and talk to you. Let your money share what is on its agenda for you. Tell your money about your hopes and dreams. Talk about your plans.
Discuss your vision of what is for your highest good in terms of how you want to live your life. Paint pictures of your goals. Think bigger. Help money see what you plan to do with it. Invite more money into your life in order to achieve your goals.
Share how you are respecting the flow of money to you. You're no longer casual with money, and you know that money won't be casual with you. It shows up on time. Just like you do.
No longer are you driven by the desire or impulse to get rid of money as soon as you receive it. You no longer spend merely for the sake of spending. You found better forms of entertainment.
You've discovered the beauty of building your savings and investment accounts. You endorse the act of saving now for future investment. You invest now for future comfort and a higher quality of living as you get older. You deserve the money you have, you attract abundantly and allow it to stay.
Your relationship with money is harmonious and enjoyable because at last you decided to make money your friend. What a great shift in your mindset. You let go of the stress of feeling unworthy, undeserving, and not having enough.
Yes, you now know there is plenty of money! Yay!

How to Make Money If the Stocks Don't Move Much Either Way!

There are two strategies to make money if the stocks don't move much either way.
1. Bull Put Credit Spread:
Bull Put (Credit) Spreads are a low downside risk and limited reward strategy when stock price is expected to go up or remains there. Bull Credit Spread is very much similar to that of naked put. The only difference is that the option is bought further out of money put which protects the investor from catastrophic event. An option contract is sold on a particular stock at a certain strike price (at or near money) and the same number of option contracts are bought on the same stock with the same expiration date at a slightly lower strike price below the strike price at which bull put is sold, simultaneously. This transaction results in a net credit that is credited to the investor's account. This net credit will be maximum profit for the investor. Maximum profit is made when the stock price rises above the strike price at which put option is sold. Although bull put spreads are generally 'out of the money' trades, they can also be put on 'at the money' or 'in the money', however, it will increases risk and potential profits.
2. Bear Call Credit Spread:
This spread is similar to bull put credit spread except it is used when you expect the stock to remain at about the same level, go up slightly or go down a lot. The spread involves buying a call (OTM) at a higher strike price and selling a call at a lower strike price (ITM) with the same expiration date. This strategy is considered to be low risk and low reward strategy and profit potential is limited. The risk is minimized with the purchase of low priced call which protects when price goes up. Profit potential is limited because premium collected minus cost of the premium paid will be limited.
In a bear market, the investor need to follow a stock trading plan using different analysis, strategies and trading tools. A bear call spread is one of the techniques where investor can try to find profits in a bearish market. One can make money by selling any number of expectations as long as the option does not go in the money (ITM) before it is expired as one can keep the premium received out of sales. The higher strike price acts as an insurance agent and the strategy can be more effective in declining or stagnant markets.

Dr. Harsimran Sigh
Investor, Author and Motivational Speaker

Hot Topics - 3 Ways to Make Money Online

One of today's hot topics is about how to make money online. There are lots of ways by which one can earn money with their computer and work at home. One should be very careful too while trying to earn from home, because there are lots of cheaters around the World Wide Web that may try to cheat you. With or without having to make an investment one can earn money on the internet by investigating some of the ways by which one can earn money online.
1. Get paid to view ads:
There are lots of websites that offer users and its member's money for viewing ads. Each ad is specified with some amount of money. When the user views or clicks the ad, they get paid for that. Likewise daily members need to click ads on the website and once the member reaches the minimum payment specified by the website, then they can withdraw money from the website through online payment processors like PayPal or Alertpay.
2. Get paid to answer surveys:
Websites offer its members, survey's that are sponsored by major multinational companies. Member s need to answer the surveys, and will be paid a specified amount for answering that specified survey. Once the user reaches the minimum amount of money gathered by answering the survey's, then they can withdraw their earning by check or by online payment processors, or can ask for gift vouchers, etc;
3. Get paid to doing micro jobs:
There are some websites like microworkers.com, shortask.com, which offer micro jobs that are posted by requesters. Workers need to complete those micro jobs and need to submit proof to the requester. Based on the proof submitted, the requester will pay the worker for the job they completed. Once the minimum amount specified by the website is reached by the user, then they can withdraw funds through online payment processors like PayPal or alertpay etc;
4. Get paid to do jobs in "Amazon Mechanical Turk"
Amazon offers a website called mturk.com which offers HIT's that are started by requester and those HIT's are attended and completed by the workers. Workers earn money for each HIT they complete. They can withdraw their earning at any time. Mturk offer many option to workers by which they can withdraw funds. US workers can withdraw money to their bank account. Indian workers can ask for check that can be deposited in their bank account. Also workers can ask for Amazon gift card for the money they earned in mturk.com

Money Guide - 2 Making Money Online Tips to Avoid Failure

If you're getting started in the affiliate marketing business, use this money guide for 2 making money online tips to help you to become successful. Many beginner affiliate marketers jump right into PPC advertising with products that they know nothing about and expect to earn hundreds of thousands of dollars overnight. Here's what you need to do to avoid falling into this trap:
Money Guide Tip #1
Research the product you are promoting. When you try to blindly promote a product that you really don't know anything about, it makes it difficult to tell your potential customers exactly why they should buy it. If it's reasonably priced, buy it and try it out before you start your marketing campaigns. Also, if it doesn't look appealing to you, and you wouldn't spend the money on it, do you think other people are going to?
Even if the commission you would earn off of the product is extremely high, if it's not a product that you would buy or feel comfortable endorsing, stay away. You'll end up wasting time and money that would be better spent on something more promising.
If you do buy a product and find out that it is a scam or a waste of money, use this to your advantage. Find another similar product and try that one out as well. If this one works and you like it, you can now use both experiences in your marketing campaigns. Write articles and blog posts comparing your experiences with both, and encourage people that were interested in the first product to buy the second and give reasons why they should change their mind based on what you learned. You can market both products, get traffic from potential customers looking to buy either one, and then hopefully persuade all of the readers to buy the product that you were satisfied with and liked using.
Money Guide Tip #2
DON'T BE GREEDY! With all of the offers out there claiming that you can earn $100,000 overnight, who wouldn't want to be a part of that? In order to be truly successful and reap the benefits of affiliate marketing for years to come, it's going to take time and effort to build your business. It's not going to happen overnight, but if you build your site and market the right products correctly, you will see positive results and will be thankful that you did.
There are many affiliate training programs available to help you get started and learn the basics of affiliate marketing. For a small fee, you can get complete video and written instructions, along with pre-made websites to get you earning money as quickly as possible. However, do your research and find the affiliate training that fits you best. This is the best route to take so you can learn the business while earning money. Now, take what this money guide taught you with these making money online tips and start earning a paycheck!

Real Estate Now, Can You Make Money in Today's Market?

I get this question often. Understand I have been investing full time in real estate for more than a decade. I've seen up markets and down markets. And, the question is consistent, "Can you make money in this market?"
The answer is always, yes. In today's market there is loads of inventory. There are however a limited number of loan programs, and the ones that are available have stricter guidelines and qualifications. BUT people are still buying.
How Do You Profit?
There are plenty of strategies (or recipes as I call them) to win. One that you can use is "buying, fixing, and re-selling". Remember this is but one-way to win. The first thing to realize about real estate is there is always a current value. Unless we are speculating, the current value is the value. NOT what the home was worth last year, or what it might be worth next year.
If you are buying at a discount on the current value then you have potential to win, period. It's like gas prices; we remember what it once cost. But the reality is we buy gas at today's price. You must treat real estate investment the same way. What is this house worth today?
Using a local agent to establish value - and even an appraiser - will help you understand the values in your investment market, the average time on market, and the median house price.

• AVERAGE TIME ON MARKET will tell you how long it takes to sell a house in your market, and even better, for the neighborhood of the house you are buying.
• MEDIAN HOUSE PRICE tells you what the average price is for a house in your area. You want to know this number because if you buy a house lower than or near this median you will have a higher number of potential buyers.

In other words, take the statistics of wealth in general; there are many more people with ordinary jobs than there are rich and carefree. You want to follow this statistic. Don't worry we aren't going to get crazy about analytics here, just know we want average houses, not mansions.

Okay so where are we? You are buying average houses, under the current market value. What's next? Here is your punch list:

• MONEY - How will you pay for this house?
• FIX IT - Who will be doing the rehab work?
• SELLING - Who will sell it?
• DISCOUNT - How much under value?

Notice I didn't number this list. That was intentional. All the factors here tell you what you can pay for a house...

DISCOUNT - How Much Under Value?
On average we are paying no more than 75 cents for a house. What that means is if the house will sell for $100,000 we will pay no more than $75,000 AND that number must include any repairs. If the house requires $15,000 in work then we can pay no more than $60,000 for the purchase.
Understand, we have been doing this for many years. As a rookie you can quickly eat away a 25% profit. Let's look at an example transaction:
You pay 60 cents for a house, where you budget $15k to fix it. You will have an additional 6% or ($6,000) in agents fees, another 2% in closing costs, and this does not include any holding costs; utilities, cost of money, etc.
Here it is more clearly (same end value of $100,000):
- 60% buy
- 15% in repairs
- 6% in commissions
- 2% holding costs
- 83% total
- 17% potential profit
MONEY - How Will You Pay for This House?
There are many ways to pay. You can get a bank loan on the property, but, in many cases rehabs need more work and the lending guidelines will not allow for rundown houses. You can get a loan on your current house, if you have equity. You can borrow private/hard money. And, you can likely do a combination of several. Lastly, you can use your own cash or partner with someone with cash.
Regardless, there is a cost of money. That cost is the interest rate and any loan fees, plus time. For example, a private lender will charge points - one point, equals 1%. On a loan for $75,000 one point is $750 or for a two point loan - $1500. In most cases this will be added to your loan. Meaning you will pay it when you sell the house.
The common lingo for investors and private money is "two and twelve" which means that the loan costs 2 points and 12% interest. Note: you may pay more, even six and eighteen. Shop around. Assuming you paid 2 and 12 your points are $1500 and you monthly interest is $765 monthly.
If you hold a house for a number of months time is ticking dollars:
- month 1 - $765
- month 2 - $1,530
- month 3 - $2,295
- month 4 - $3,060
- month 5 - $3,825
Which means that over five months you will pay $3,825 plus $1500 (the points) for a total cost of money of $5,325. IF you held your house for 8 months you'd spend $6,120 plus $1500 ($7,620).
Remember you had 17% potential profit ($17,000). The other variable here is unforeseen costs of repair. I just bought a house that had an overage of $2000 for roof repairs - hidden under snow. Which brings us back around to your repair work.
FIX IT - Who Will Be Doing the Rehab Work?
People come and go. Over the years I've had several dream teams. Your contractor is a part of your team, as is your agent, and any other person you find yourself working with again and again. Once you have all the players your job will get easier. Our focus now is on your contractor.
All you have to do is turn on the TV for a primer on how to flip houses. And you see all the clichés; yelling at contractors, contractors who don't do good work, and contractor who charge too much, etc. There are however, a select few who get it.
You want someone fixing your houses that wants to grow with you - I assume you plan on buying more than one investment. You want a team player that not only understands how to fix houses, has a team attitude, and enough of a foundation he can eat some of his mistakes. Why? Because no matter how hard you BOTH try there will be houses like mine with a $2000 roof overage. I made the contractor share the cost. It was an item he over looked.
Your contractor is also there to look at houses before you buy, give you a cost for repair, then to DO the repairs quickly and have the home shining for you tell sell it - in the shortest time possible, tick-tock.
SELLING - Who Will Sell It?
Choosing an agent to work with is much like finding a contractor. There are people that specialize. You want an agent that works with investors when you are buying. But, you also want an agent capable of selling your house when it's ready to go back on the market!
RECAP

• MONEY, how will you pay for this house? - You can use private/hard money lenders, bank loans, or cash. Yours or a partners.
• FIX IT, who will be doing the rehab work? - Find your team. Shop around. Ask for referrals, there ARE good contractors with great prices.
• SELLING, who will sell it? - The agent that helps you buy can also help you sell. Again, shop for an agent who works with investors.
• DISCOUNT, how much under value? - Your discount may change based on your cost of money. I would never pay more than 75 cents with repairs.

In closing, this article was not meant to give you every answer about buying real estate for profit, but rather a glimpse at how you can win today. Again this is but one recipe for buying and selling houses. You must find the one that works for you. "Can you make money in this market?" You bet!

How to Make Money Online Economically

Making money online, online jobs allow you to work from the comfort of your own home. However, many folks fear that the cost of online business is prohibitive. You can earn money online without spending a lot of money to start. Switch on your computer and get to work.
Google the terms "freelance writer" or "freelance article" and you will get over 14 million sites to start researching.
You will find sites where you can bid on jobs to get paid for writing articles, sites where you can learn how to write article, sites that publish your articles for free. You decide how you want to proceed, you will not have to have a website to write and sell articles just you and your computer and no money is needed to get started, only time and determination.
Tip: If you are not motivated then you will not succeed at anything so get it in your mind to succeed no mater what the cost in terms of learning and writing. Learning how to make money online will require some effort.
Google "sell stuff online" and get 69 million resources.
You can find places that have items for you to sell, places that will take care of the shipping of the products. You can find places to sell your own stuff and places that will sell your stuff if you have access to products.
Tip: In today's market their are a lot of stores with extra inventory that they need to get rid off they don't want to through it away but they can't seem to sell it and it takes up space. I was successful calling and asking for the manager of stores and saying "I was wondering if you had any merchandise you needed to get rid of, I could pay up to fifteen cents on the dollar" then waiting to hear what they said. I got some very good deals some I paid more money for, but you get the idea. One guy found a place to get baseball bats like that and now has a multi-million dollar business online selling overstocked sports equipment.
Google "affiliate marketing" and get 41 million resources. Sell other peoples stuff online and get a commission its straight forward and easy to get started for little or no money. You need a website so go to Google and type in "free Website" for 296 million resources.

Tip: I have made some of the research a little easier by listing some links to products and services that I use, follow the link below to get to the site. I have around 50 blogs and websites all for free all marketing products and you can learn how with very little out of pocket expense.
Good luck and never never quit.

Fun Making Money - Secrets Revealed

When we talk about internet marketing, the first thing that comes to mind is to gain profits. Many online businesses assure huge proceeds but never bring them. To create money online you have to get into a system where the flow of money generates prosperity. The truth to making money online is constructing numerous line of income from up lines. Victory in internet marketing also comes from having a lot of down line members in your up lines. This is how and where the flow of currency takes place.
The basic to making money online is joining with a course that places no restrictions. Prefer a program where you can construct a sophisticated group. They supply you with a great deal software correspondence to advertise to clients. They permit you to do this inside a striking money-generating scheme. You advertise the organization and the reseller software as fraction of a whole package.
Opt an online business opportunity whose structure consent to assemble a group considerably extensive. Your task in internet marketing is to draw others to you so both of you can create a company together. You equally hold up each other in the course of recruiting additional affiliates.
A grand online business is one where you need to market only an opportunity. You merely promote a business opportunity and let fascinated persons join under you. This is the most excellent way to produce outstanding profits. It is an everlasting money producing scheme as long as you and your powerline remain marketing and joining in fresh associates.
The first factor in choosing the best online business is one where you are eligible to build up your own powerline after producing merely a single deal. Select the one where your next sale begins gaining you downline proceeds. You harvest the profit of this sale and all succeeding ones. Pick one that offers you your own advertising website. The secret to a best online business is joining in with course that gives you the podium to be successful.