Tag Archives: advice

Sir, Teach Me How To Make Money

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I have run a website about online home based business for (the past|a couple of years. It is an informational site which I try keep as hype free as possible. On the site, I try to give the surfer an insight into home based businesses. I go into a little detail about why many people fail, about how to start such a business, and what will be needed to make such a business a success.

Every quarter or so, I will get an email from someone that wants to know how to make money on the web. Normally, it will have only a single sentence that will go something like this:

“Please, I want to make money on the Internet.”

In the beginning, I would send him a proper reply. I would tell him that making money on the web is not something that you can do on a whim, and that hard work and skills are needed. I would enquire about his background and skill sets.

Most of the time, I didn’t get a reply. In fact, I don’t think I can remember a time in which I did get a reply. Obviously the sender was looking for a simple answer, and I didn’t provide that.

I did remember a nice email from somebody who said he liked my site very much. He said that he liked it so much that he wanted to join my site. I told him that my site only provides and that I do not promote any business opportunities that he could register in.

I spent 3 years at a local college studying to be an electronics engineer. I spent a further 10 years working in the electronics field as a design engineer. It is only after this period of time that I am considered good enough to be worth a few thousand dollars a month.

Many websites that advertise their business opportunities claim that a few thousand dollars a month after a few weeks or months is within easy reach. And you do not require any experience or expertise to pull it off. What’s more, the work will probably need only 1 to 2 hours per day.

All I can say is, “Get real, people.”

If somebody approached you on the street, and offered you $100 to deliver a parcel for him to a downtown address, would you do it? The errand would only take half an hour of your time, and he would pay you there and then.

You will not run the errand right? You will say that you need to wash your hair, walk briskly away and never look back right?

Unless you are the most beautiful girl in the world, he is just not going to offer you $100 to do something so simple. You know that something is not quite right. Besides, why can’t he do it himself? But don’t ask him that ’cause he is going to have an excellent excuse. 😉



The Internet may be cyberspace but things are no different from the offline world. Stop looking for a quick kill, put your nose to the grindstone, do your homework and sometime soon, you will be the proud owner of a successful home based business.

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Online Marriage Counseling- New Alternatives

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There are lots of times we wonder what we have gotten ourselves into problems start to arise in a marriage. Online marriage counseling is an option that can give marriages a new start. No longer do you have to spend hours going to see a marriage counselor. Now it can all be accomplished from the convenience of your own home.

The internet has numerous websites that suggest ways that people can help a marriage that is destructing. This is great for people that refuse to talk to strangers about the problems that they have. Websites like Save My Marriage Today have been a lifesaver to many marriages. It gives a whole new option to what a person can do in trying to restore their relationship. It offers a lot of helpful ideas and recommendations to people looking to get the marriage back to the way it was in the beginning.

There are many online marriage counseling services that are available now. They all offer there own unique ideas on how to get the great marriage that was once had back. But Save My Marriage Today, seems to have accomplished a lot of the things that the other sites have but in a far shorter time frame. Seeing results quickly is something that everyone wants to avoid even further frustration from setting in. There is nothing worse than getting even more frustrated with a difficult situation.

The woman that created this series has been an avid writer for a long time on relationship and dating issues. Her success has been proven by the many readers of her works that have attested to her writings. Now she has developed the steps that we can all use in efforts to reconnect with our partners and get the marriage we want. Whether the issue is passion, infidelity, communication, or any other issue that can affect the marriage she has covered them all in her E-course.

Having read the testimonials that people have written that have tried this system makes me think that this could be a savior for many other marriages that are in turmoil. Why pay the enormous costs of traditional marriage counseling when you can pay a small fee and get online marriage counseling.

The money that you save can be put into things that can bring the spice back to your marriage. Look around the internet at the options available today and I am sure that you will see what I mean.

Learn more about how to save your marriage and prevent a divorce today! Go here right now: Online Marriage Counseling or have a look at: Marriage Problems and learn what you can do to get your spouse back forever!

What is Debt Consolidation?

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Where can you get debt consolidation information? It’s really not that difficult to find; and the debt consolidation information is usually available free in some places! If you suffer a bad credit status, then you can get debt consolidation information by reviewing the free do-it-yourself kits at the local libraries. Debtors should go to the public library to find debt self-help books that will help you from beginning to end the steps of paying off or consolidating your debts all the way to actual credit repair.

Most libraries will allow you to copy and print the forms inside the guides. This means you can simply fill in the blanks and send the papers to the right sources. By doing this, you will soon be on your way to debt relief. This is probably one of the easiest sources of debt consolidation information.

Most creditors prefer debt information in the form of a letter rather than a phone call, since the letters explain in more detail than an ordinary telephone message will and it is also hard evidence as well. In addition, letters are better for you, since, if you are being taken to court for debts owed, you will have hard evidence too showing that at least you did make an effort to repay your debts. Written information will hold up in court and is better in any situation verses the word of mouth.

So, you ought to keep photocopies of all the letters you send to and all the letters from your creditors. This ought to include recording phone conversations it is worth getting a machine, recording dates, recording time, and without doubt recording the name of the person who called you and his/her location. You should provide a precise|brief outline| of the conversation and keep the files in a safe location. This could all be very useful debt consolidation information.

If you discover errors on your statements or anything that seems a bit weird, don’t hesitate! Contact the creditors immediately. Furthermore, if you own a credit card, and they try to force you to pay for damaged packages, remember that it is illegal in the USA for anyone to try to force you pay for damaged goods, just as long as you did not damage the goods yourself.

The Internet can be just as good source of debt consolidation information, but not everyone has a computer or is competant at using it and debt is such a personal and often embarrassing subject that many people would be hesitant to ask someone to assist them search the web for debt consolidation information.

Debt consolidation is usually a very drawn out process, but if you seek the right debt consolidation information, you will find a way to relieve your debt bit by bit and you will finally harvest the benefits of your efforts on the day when you become debt free and again have a good credit status.

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Investing for your Retirement

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Retirement may be a long, long way off for you or it may be just around the corner. matter how near or far away it is, you have really got to begin investing for it right now. However, saving for retirement isnt what it used to be with the rise in the cost of living and the instability of social security. Nowadays, you have to invest for your retirement future, as opposed to just saving for it!

Let us start by taking a look at the retirement plan offered by the company you work for. Once upon a time, these plans were quite sound. However, after the Enron upset and all that followed, people arent as confident in their company retirement plans anymore. However, if you choose not to invest in your companys retirement scheme, you do have other options.

First of all, you can invest in bonds, certificates of deposit, money market accounts, mutual funds and stocks in alphabetical order. You do not have to tell anybody that the returns on these investments are to be used for retirement. Simply let your money grow over a period of time, and when an investment reaches its maturity date or value, reinvest it and continue to let your money grow.

You can also open an Individual Retirement Account (IRA). IRAs are very popular because the money is not taxed until you withdraw the funds. You may also be able to deduct your IRA payments from the taxes that you owe. An IRA can be opened at most larger banks.

A ROTH IRA is a much newer type of retirement account. With a Roth, you pay taxes on the money that you are investing in your ROTH IRA account, but when you cash out, no federal taxes are owed. Roth IRAs can also be opened at most larger financial institutions.

Another popular very sort of retirement vehicle is the 401(k). 401(ks) are typically offered through employers, although you may be able to open a 401(k) on your own. You should talk to a financial planner or an accountant to help you decide whether this is right for you or not.

The Keogh plan is another type of IRA that is more suitable for self employed people. Self-employed small business owners may also be interested in Simplified Employee Pension Plans (SEP). This is another type of Keogh scheme that people typically find easier to run than a regular Keogh plan.

Whichever retirement investment you choose, just make sure you do pick one! Again, do not depend on social security, company retirement plans, or even an inheritance that may or may not happen! Take care of your financial future by investing in it today.

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Database Study From Home Uncovered

What could a trainee searching for certified training from Microsoft expect to discover? Patently, companies ought to have a variety of routes that meet the requirements of training tracks certified by Microsoft. Maybe you’d choose to look for a person who’s got industry experience, who could offer counsel on which area of the industry would be right for you, and what sort of tasks are a good match for somebody with your personality. Once you’ve decided on the area you want to get into, you’ll need a relevant course customised to go with your skills and abilities. Your course material should leave no room for complaints.

Always expect the most up to date Microsoft (or any other key organisation’s) authorised exam preparation packages. Ensure that the mock exams are not only asking questions in the right areas, but also asking them in the exact format that the real exams will pose them. This throws students if the phraseology and format is completely different. It’s a good idea to request some practice exams that will allow you to test your comprehension whenever you need to. Simulated or practice exams log the information in your brain – then the real thing isn’t quite as scary.

The age-old way of teaching, involving piles of reference textbooks, can be pretty hard going sometimes. If you’re nodding as you read this, look for learning programmes which feature interactive and multimedia modules. Research has consistently shown that getting into our studies physically, will more likely produce memories that are deeper and longer-lasting.

Study programs now come on CD and DVD discs, where your computer becomes the centre of your learning. Video streaming means you are able to see your instructors showing you how something is done, followed by your chance to practice – via the interactive virtual lab’s. It’s wise to view a small selection of training examples before you hand over your cheque. The minimum you should expect would be videoed instructor demonstrations and interactive modules with audio-visual elements.

Many companies provide online training only; sometimes you can get away with this – but, imagine the problems if internet access is lost or you get intermittent problems and speed issues. It is usually safer to have CD and DVD ROM materials that removes the issue entirely.

There is no way of over emphasising this: You have to get round-the-clock 24×7 instructor support. You will have so many problems later if you don’t follow this rule rigidly. Never purchase study programmes that only provide support to students with a call-centre messaging service after 6-9pm in the evening and during weekends. Companies will try to talk you round from this line of reasoning. The bottom line is – support is needed when it’s needed – not when it suits them.

The very best programs tend to use an online access round-the-clock facility utilising a variety of support centres from around the world. You’re offered a single, easy-to-use interface that seamlessly accesses whichever office is appropriate no matter what time of day it is: Support on demand. Never settle for less than you need and deserve. Direct-access 24×7 support is the only way to go for IT learning. Maybe late-evening study is not your thing; but for most of us, we’re working at the time when most support is available.

So, why might we choose qualifications from the commercial sector and not familiar academic qualifications gained through tech’ colleges and universities? Key company training (as it’s known in the industry) is far more specialised and product-specific. The IT sector has acknowledged that a specialist skill-set is what’s needed to handle a technologically complex commercial environment. CISCO, Adobe, Microsoft and CompTIA dominate in this arena. Obviously, an appropriate portion of relevant additional detail must be covered, but focused specialised knowledge in the required areas gives a vendor educated person a distinct advantage.

The bottom line is: Recognised IT certifications tell an employer precisely what skills you have – the title says it all: as an example – I am a ‘Microsoft Certified Professional’ in ‘Managing and Maintaining Windows Server 2003’. Consequently companies can look at their needs and which qualifications are required to fulfil that.

Being at the forefront of the cutting-edge of new technology is about as exciting as it can get. You become one of a team of people defining the world to come. We’ve barely started to scrape the surface of how technology will influence everything we do. The internet will profoundly revolutionise how we see and interrelate with the entire world over the next few years.

Wages in the IT sector aren’t to be ignored either – the usual income throughout Britain for an average man or woman in IT is considerably better than in the rest of the economy. Odds are you’ll make a whole lot more than you’d expect to earn doing other work. With the IT marketplace developing year on year, it’s predictable that demand for appropriately qualified IT professionals will remain buoyant for decades to come.

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Learning Forex Is Easy With The Basics

The Forex Market also known as the Foreign Exchange Market, has been around for thirty years and is simply the trading and selling of currencies between two countries.

You can easily liquidate your trade into fast cash which is what many traders want. So what is the Foreign Exchange Market or Forex as most know it as? It is a trading system similar to the stock market but quite different at the same time.

When you are trade in the forex market, you trading with many other countries and currencies. In other words, FX market trades are global. You can also trade in the FX market twenty-four hours a day, while the stock market has set business hours.

In the currency exchange market there are no set business hours, so you can trade twenty-four hours a day. This is what makes it the preferred choice of trade.

The Forex trader will look for market signals to determine when to enter and exit the FX market.

These market signals or patterns and trends, discipline the trader to ride the long term distance versus short term, which will determine profit or loss.

Patterns and trends come in one-minute and sixty-minute charts that the traders observe with vigilance. These charts or market signals work on a mathematical formula closely tied to the prices and time frames within the trading.

Timing is everything in the forex market and the trader must trade with patience, whether it is traded short term or long term.

A good trader will observe and use one-minute or sixty-minute charts carefully, which are updated constantly, and are a major trading signal for them.

By careful study and observance of patterns and trends can the forex trader ultimately come out ahead in profits that can be liquidated into cash very fast.

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Networking Training Across The UK – News

Were it not for a continuous flood of knowledgeable PC and network support staff, business in the United Kingdom (and around the world) would be likely to be brought to its knees. Therefore, there’s an ever growing demand for technically able people to support both the systems and the users themselves. Our country’s need for increasing numbers of skilled and qualified individuals grows, as we turn out to be vastly more reliant on PC’s in these modern times.

Any program that you’re going to undertake really needs to work up to a properly recognised exam as an end-result – and not some unimportant ‘in-house’ plaque for your wall. The top IT companies such as Microsoft, Cisco, CompTIA or Adobe all have internationally renowned proficiency programs. These big-hitters can make sure you stand out at interview.

A capable and practiced advisor (in contrast with a salesperson) will talk through your current situation. This is vital for establishing the point at which you need to start your studies. If you have a strong background, or perhaps a bit of work-based experience (some industry qualifications maybe?) then it could be that your starting point will vary from someone who is just starting out. Commencing with a basic PC skills course first can be the best way to get up and running on your IT program, depending on your current skill level.

It’s clear nowadays: There’s no such thing as individual job security now; there’s only industry or sector security – any company is likely to fire a solitary member of staff whenever it suits the business’ business interests. Whereas a quickly growing market-place, with huge staffing demands (as there is a big shortfall of fully trained people), creates the conditions for real job security.

A rather worrying UK e-Skills analysis demonstrated that more than 26 percent of all available IT positions remain unfilled mainly due to an appallingly low number of properly qualified workers. It follows then that for every four jobs that exist in computing, businesses can only locate trained staff for 3 of the 4. Highly skilled and commercially accredited new workers are thus at a resounding premium, and in all likelihood it will stay that way for many years to come. With the market developing at such a rate, it’s unlikely there’s any better market worth taking into account as a retraining vehicle.

Many companies only concern themselves with gaining a certificate, and completely avoid the reasons for getting there – getting yourself a new job or career. Always begin with the end in mind – don’t make the journey more important than where you want to get to. Never let yourself become part of the group who set off on a track that seems ‘fun’ or ‘interesting’ – and end up with a certification for an unrewarding career path.

You must also consider what your attitude is towards career progression and earning potential, and if you’re ambitious or not. It makes sense to understand what the role will demand of you, which particular exams are needed and how you’ll gain real-world experience. Have a conversation with an experienced industry professional that has a commercial understanding of the realities faced in the industry, and who’ll explain to you an in-depth explanation of what tasks are going to make up a typical day for you. Getting all these things right well before beginning a training path will save you both time and money.

A successful training program will incorporate Microsoft (or key company) exam preparation systems. As the majority of examining boards for IT are American, you need to become familiar with their phraseology. You can’t practice properly by simply answering any old technical questions – it’s essential that you can cope with them in the proper exam format. Ensure that you test your knowledge by doing quizzes and practice in simulated exam environments to prepare you for taking the proper exam.

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Get Advanced Results With Credit Repair

A lot of individuals have had the trial of having bad credit. It is just a truth of life and it is becoming even more common in the present financial crisis. Still, just because you have some credit difficulties it does not mean that you cannot do some repairs to your credit. You have the right to repair your credit.

Back in the 1970’s a Federal law was enacted that allowed consumers to take actions to repair their credit. It is projected that as many as 79% of all credit reports are full of errors and incorrect or erroneous listings. You can protect yourself against and take actions to get the bad credit deleted.

It may not be as baffling and mysterious as it would seem to repair your credit but it can take some time. However, it is worth the effort because of the benefits you will gain from having an improved credit score and a better credit report. You can hire a specialist to help you repair your credit and that may be a beneficial plan but you can also do the work on your own. Either way it is critical to do it so that you can expand your financial future.

The first thing that you will need to do is to obtain a free credit report. You are permitted to one complimentary credit report each year from each of the main credit reporting agencies, TransUnion, Equifax and Experian. You can get the free of charge report each year without added requirement. Many of the advertisements for a free credit report are in fact for credit monitoring services. It is not essential to get a credit monitoring service to get a free credit report. However, you can get the monitoring service if you consider it will be helpful.

Once you have the reports, you need to examine them very painstakingly. Make sure you look at every line. Look for duplicate accounts, accounts that belong to someone else and also accounts that have exceeded the time period for reporting. There is in fact a statute of limitations on how long a debt can be reported on and even how long a creditor can try to collect a debt. This is typically no longer than 7 years.

Once you have computed the erroneous credit you will need to write correspondence of dispute. Be detailed and clarify why the reporting needs to be removed. Make sure that you keep a copy of all communication for yourself and also know that it may take more than one correspondence to get outcomes. However, the creditors have a explicit period of time to verify the accurateness of their reporting or remove it from your credit report.

If you have unsettled debt it is also shrewd to pay it down as much as you can. A large portion of your credit score is determined by your debt to accessible credit ratio and you need to keep it below 20% if at all possible in order to have the maximum credit scores.

It may also be shrewd to make a claim for some new credit accounts. Be reliable and make all of your payments on time. With some energy and time you will have your credit repaired and your monetary picture will look much improved.

Discover 5 fundamental components to a great credit score plus see how I brought my credit score up substantially with the help of a credit repair service. Your credit score is more essential than you may grasp so take care of it.

Choosing a Business Credit Card

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Among the vast number of credit cards available, one of the most underestimated is the business credit card. Many people decide not to apply for a business credit card because apart from having a definite target market – business owners or business executives – it seems to be complicated to use. Although a business credit card has more provisos, it has a lower interest rate compared with other types of credit cards and, contrary to popular misconception, it can be very helpful if used properly.

What is a business credit card? In general, a business credit card is for business people’s use, therefore, compared with a typical credit card, a business credit card has a high credit limit and a low interest rates. Depending on the business credit card you choose, a business credit card usually also has many benefits.

Because it is aimed at businessmen or those people who are starting to build a business, a business credit card is meant to benefit these small businesses. A business credit card helps the budding business by allowing the entrepreneur to finance bills or payroll, thereby improving cash flow. Aside from presenting the image of a dependable credit card, business credit cards supply detailed reports and give quality customer service as its major benefits.

Apart from having higher spending limits and lower interest rates, a business credit card provides numerous alternative credit options for small businesses. A business credit card also caters to big corporations as well as those people who are just beginning their own business because it closely reflects the base rate of credit.

Simplifying business credit cards. It usually pays to go to the bank when one applies for a credit card to get answers to all the immediate inquiries you may have. But since a business credit card is for business people who are always on the go, many business credit card issuers offer online applications for business credit cards. So, when one applies for a business credit card, there is no need to visit the bank any more, which means that there is also no need to wait in the queue just to talk to a bank manager.

When you apply for a business credit card online, all you have to do is to choose the business credit card that suits your small business or corporate credit needs right from the comforts of your home or office. Aside from offering safe, secure, and simple processes that are designed to assist you to take care of your start-up business, most Internet business credit cards offer easy access features for the convenience of the business credit card holder, such as online bill payment and online statements.

Customized company logos and access to instant cash are further advantages offered on line. Yet other online business credit cards offer even more detailed reporting features for easy monitoring of multiple accounts.

Most business credit cards do not charge fees for the first year and have no pre-set spending limit or finance charges. Other business credit cards run reward programs that allow the member to earn points for travel, merchandise and other types of advantages.

Many business credit cards offer small businesses a credit line of up to $100,000 at the competitive APR of a low, low base + 1.99% for cash and cheque purchases. Moreover, 100% of the credit line is available as cash and there is usually no collateral required.

The business credit card customer could receive free checks as well as a card to access their account. There may also be: common savings or exclusive savings on purchases, express approval on expra loans, no annual fee, up to 5 percent rebates on qualifying purchases, and 0% introductory APR annual percentage rate on purchases for the first six months of card membership are some of the great benefits of most business credit cards.

Although the majority of the business credit card issuers offer fantastic deals, it is still important to evaluate what your business needs are first. Whether you want your business credit card for investing in inventory or just for payroll, it is necessary to look for a business credit card that can handle almost anything you may require.

So, whether you opt to go direct to the bank or apply for a business credit card online, there are a number of business credit card issuers who can assist you to find the credit card that is right for you.

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The Result Of A Divorce On Your Credit

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Significantly too many marriages end in divorce these days. Sadly the ending of a marriage is not only an emotional battle but it all too often has a massively destructive result on your finances also.

Many persons who have had great credit for years and years end up with problems on their credit following a divorce. Divorce is one of the main things that cause tricky credit for many folks.

Married individuals are often treated as equally accountable for repaying loans like mortgages, car payments and credit cards. Throughout a divorce one person is usually assigned responsibility for the money owing. However even though this is a decree from the court is it often overlooked and overlooked by creditors, especially when the loan goes delinquent.

A decree of divorce is not noted on a credit report. If one of the ex spouses is accountable for the money owing and a payment is missed the creditors can make an attempt to collect from both parties and they can also state the delinquencies on both parties credit report. If your ex-spouse is responsible for the payments and he or she starts to slack off your credit report can also be affected.

Another dilemma is that since the household has split up and you are now living elsewhere, you will not receive any notices so it is possible that you will not even be alert that there is a trouble with these until they are really delinquent and they are already showing on your credit report.

If the accountable individual decides to stop paying on the loan altogether and file bankruptcy the other spouse can be held accountable for the entire liability as well as late charges. As for the creditor, the court order is immaterial. The other spouse is their only remaining opportunity to collect on the loan and they will go after that person.

It is regrettable but at this time the credit system is awfully unfair to the parties of a divorce. Often the only way to completely conclude a divorce is to declare bankruptcy. This is very regrettable if there is one party who strives to be responsible and desperately needs to keep a clean credit record.

Divorce and the credit problems it can bring are just one of the many reasons why it is so critical that we are able to repair our credit. Any item that shows up on a credit report including a bankruptcy can be disputed if it is believed to be inaccurate, misleading, incomplete, untimely, ambiguous, biased, unverifiable or unclear.

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