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Should you Take a Second Job or Ask for a Raise?

June 28th, 2011

A lot of us have struggled with making ends meet. Whether you are looking to pay down debt, build a nest egg or save up for a big purchase, you have to identify ways to both save money and increase your income. So when it comes to increasing the amount of cash coming in, should you take a second job or ask for a raise? Consider the pros and cons of each option:

Take a Second Job
If a raise is completely out of the question (maybe you are in a new job, layoffs have been happening and/or you haven’t exactly been the best performer), then you may have to look into finding a second job. While it will boost your income and perhaps your hands-on experience, you are definitely limiting your time for leisure activities, taking away time with your family, friends and your significant other and you may get very tired. Try to limit your second job to 20 hours or less per week to keep from overextending yourself. Further, don’t let your moonlighting have an effect on your performance at your day job. It’s difficult to perform well and take on challenging tasks at work when you are exhausted.

Perhaps you can take on side gigs or freelance positions that allow you to determine how much time you spend at it. Sell collectibles, toys or electronics on eBay.com or craigslist.com, mow your neighbors’ lawns, tutor, freelance computer help, or join a network marketing sales group like Avon, Pampered Chef or Tupperware.

Ask for a Raise
A raise will help your income situation if you have been performing well at your job. You wouldn’t have to devote 20 hours a week to your raise, but you do have to prove your worth. If you are happy in your job, you are in the field that you love or you are looking for upward mobility, ask for a raise instead of a second job. Find out how much others are earning in your field, prepare your case and set up an appointment with your boss to discuss an increase.
A raise may not bring in the big bucks, but unlike a second job, it allows you to keep your current quality of time off. Even if you awarded a 10-20% increase, a raise wouldn’t measure up to what you would earn at a second job.

This was a guest post by NewYorkBankingRates.com, a site that provides daily updates on the latest New York CD rates, finance information and more.

Tags: Day Job, Ebay, Family Friends, Freelance Positions, Gigs, Hands On Experience, Income Situation, Job Layoffs, Lawns, Leisure Activities, Moonlighting, Nest Egg, Network Marketing Sales, New Job, Pampered Chef, Pros And Cons, Sales Group, Second Job, Tupperware, Upward Mobility

You Can Make Money With An Online Business Opportunity

September 15th, 2010

There are many times in life where you are going to want to make more money. Think about what you are doing now, and think about ways that you could make that just a little bit better for yourself. For instance, if you are able to, you might be just the right kind of person to find a great deal for a job that allows you to make lots of money, and that allows you to be the boss, as well. Many times theyll be a make money business opportunity that comes out of nowhere, and if you are to take it and if you can do well, you might just find that you are able to make more money than you have ever dreamed of making.

This might sound too good to be true, and in many ways you have to be careful. But if you are able to, you are going to find that in reality there are many make money business opportunity sites you could go to, and at some of these sites, youll actually be able to make the money that you want to make, without having to worry about a thing.

Of course, there are some sites at which you are going to have to be careful. For instance, when you go to a make money business opportunity site, it might be tempting to go with the first offer that you see. It might sound like something that you could really sink your teeth in to, an offer that would just be too good to pass up. A make money business opportunity that you would feel bad about not taking. However, you have to do your part and do your research because make money business opportunities are going to not be as common as you might think. You have to really search to find the ones that are worth doing, and to keep those separate from the ones that are going to rip you off.

In order to find make money business opportunities that you know are going to be worth your while, there are several things that you should do, first. You need to make sure that you can get information on the business and what is going on. It needs to sound viable to you which means that it has to sound like it makes sense. If the idea tells you you dont have to spend any time or spend any money on the business, that you will simply start to get checks in the mail, this is probably going to be a scam. You have to be sure that you are given information about the make money business opportunity, and that the information checks out.

Tags: Boss, Business Opportunities, Find Business, Find Money, Job, Little Bit, Lots Of Money, Make Money, Money Business Opportunity, Money Online, Money Opportunities, Money Opportunity, Online Business Opportunity, Teeth

You Can Make Money From Online Gaming Without Gambling

September 13th, 2010

Playing games is as American as…(I like to said apple pie, but I remembered that my english teacher told me to stay away from cliches when writing). Let just say that a large number of Americans, both young and old, play games. A very large number of them are active in computer gaming online. And, their numbers are growing.

Whether you are into online gaming or not, you have likely heard how popular online gaming has become. Close to half of American households have some type of internet access (a majority with high speed connections). The growing adoption of broadband has resulted in an ever expanding push by content providers to offer more and more online video and games. If you have teenage children, you have seen first hand how additive the internet can be. But did you know that a very large percentage of American adults play computer and video games online? Not only do adults play games online, but those that play have been playing an average of 12 years.

It is for certain that the number of people playing games online is not getting smaller. In fact, now that it is possible to win money playing games online, the number of people playing is rapidly increasing. Online gambling was exploding until it was made illegal in America, but my reference to winning money playing games online was not including gambling (more on that later). Fifty-three percent of games players expect to be playing as much or more ten years from now, and the “newbies” are beginning to play in large numbers every day.

I recently saw some research that stated that the fastest growing segment of the internet were women. What does this mean for online gaming? Thirty-eight percent of game players are women. If more women are going online than men, it can only mean that the female presence on online gaming sites will also increase. As I mentioned earlier, you can win money playing games online. No disrespect, but I personally do not know any woman that does not like money. I believe that it is a safe bet to say that the number of woman gamers online will help to increase its popularity. Today men spend more time playing games that women, but the gap will continue to narrow until women will move ahead in playing online games.

Again, let me point out that it is illegal to gamble online in the USA. I point that out so that no one will assume that I have been discussing gambling online. No! I was motivated to share these thoughts because I have discovered a way to make money online from online gaming without gambling

Tags: American Adults, American Households, Apple Pie, Cliches, Computer Gaming, Content Providers, Disrespect, English Teacher, Fastest Growing Segment, Female Presence, Game Players, Games Players, Gaming Sites, Large Numbers, Newbies, Play Games, Playing Games, Speed Connections, Teenage Children, Winning Money

Writers Make Money Online

September 12th, 2010

When you think of making money writing, you often think of freelance writing, ghost writing, and writing novels… all of which you can do on the internet. However, I’m wanting to talk about the hidden opportunities for good writers in internet marketing (no, forget blogging).

Information is the key to the internet, whether selling tangible or digital goods. To answer your question, yes, people buy ebooks all the time. They don’t even mind paying for those physical books bound together by a wire. This is because it’s all about information. People are starving for it.

If you can write well, you can make money online. As for internet marketers, the way we run our entire operation is with the written word. We set up our websites with content, we drive traffic to our websites by submitting our articles in mass, and we write sales copy for our products and reviews for other hot products. We even write series of e-mails that are automatically sent via an auto-responder.

The big hype over the past few years has been on blogging. Writers are slaving away at their blogs as we speak, as 1 is created every second according to Technorati. Truth is very few bloggers are making any kind of serious money while many internet marketers who can write are banking. Instead of slaving away at blogs, most of us write articles and submit them massively throughout the web for backlinks.

If you’re not a great writer, however, you should take up blogging while at the same time studying internet marketing, so you can hone your craft. If you have writing skills, immediately begin IM. I suggest diving in at the forum that’s been online since 1997, WarriorForum.com.

For the rest of this article I want to reveal 5 things you can do with writing skills to make money online just to prove my point.

#1.

Write a review of a product, join the maker’s affiliate program in order to earn commissions, buy webspace and PHP redirect using your affiliate link, spin your review article, and submit the spun versions to various ezine directories on the net while using your link to your website in the resource boxes.

#2.

Buy private label rights material on a hot subject, edit it completely and create an ebook with it inserting an affiliate link within, create a website to promote your ebook, use some of your PLR to write articles then massively submit them to ezines.

#3.

Buy webhosting and a short punchy .com domain name, find a free template by searching Google, buy 25 PLR articles and rewrite them to make them unique, put the articles on your site, and sell the website along with its contents at Sedo.

#4.

Write content, put it in a zip file, and sell private label rights to your content at your website over and over using PayPal.

#5.

Write an ebook, create a squeeze page at your site, register your ebook at ClickBank, drive traffic to your sales page and squeeze page with articles and affiliates, market your ebook through a series of emails via an auto-responder.

Tags: Affiliate Link, Affiliate Program, Auto Responder, Backlinks, Bloggers, Blogs, Commissions, Ghost, Hidden Opportunities, Hot Products, Hype, Internet Marketers, Internet Marketing, Making Money, Money Internet, Money Online, Physical Books, Serious Money, Writing Novels, Writing Skills

Would you like to Make Money Online?

September 10th, 2010

If you answered yes to the above question, then you really need to take a look at the below statistics – the numbers amazed even me!

There was an important news story recently, that never made the 6 o’clock News or the front pages – but it has fundamental implications for the future of online business.

Hidden away was the news that spending on Internet advertising is going to exceed 10 Billion Dollars this year, for the first time ever. The actual figure for the year is over $13 billion, and roughly translated into real money thats 7.5 Billion.

Why is this important and whats this got to do with your home-based online business?

Let me put this in perspective. In 1999, at the height of the dot com boom, spending on internet advertising reached $4.2 Billion – so we’re now at three times the spending of the dot com boom! This is dramatic news. We’ll look back on these years and realise were living through the real internet revolution, right now!

The possibilities this offers your online business are tremendous. The downside is that many people are going to get left behind, because they realised too late… that in 2005 and early 2006… it’s absolutely essential that your business is also an Online Internet Business.

Internet sales are increasing as a result of this advertising as well, which wasnt necessarily the case with the dot com boom!

To give you an example of why this is the case, rather than fight my way into town by car or sit on a congested train yesterday… I sat back, made myself a cup of tea and did a little online shopping. I actually found some great deals online, and when delivery is free, you can often buy more than youd otherwise buy!

But heres where it gets interesting… This week, Ive also bought (online) a spare part for a car (needed urgently by a family member and delivered the next day), a dressing gown (present), some envelopes, a new door bell, two new detail sanders (for the guys currently working on my house), some software, and a new road map for the car.

Now, I could easily have popped into town and collected all these presents, parts or items, but the point is that I didn’t. And, if the companies I bought from didnt have an Online Business, they simply wouldnt have received that sale from me.

On the face of it, one sale may not seem very important, but if you look at todays society – where no-one has the time to stop in the street and complete a survey (yes Im guilty of that too), no-one has the time for lunch, and everything must be ‘quick’, ‘now’ and ‘instant’… you simply have to offer a painless, quick and instant Online Business service if you want to survive.

Problem: People have no time to shop. Solution: Offer a way in which people can buy from you 24 hours a day, and from the comfort of their own home.

When you do, I guarantee that your online business will experience phenomenal growth. All you need is a half-decent website and the correct marketing strategy behind you.

Tags: Billion Dollars, Business Internet, Clock News, Cup Of Tea, Downside, Dramatic News, Dressing Gown, Envelopes, Family Member, Front Pages, Fundamental Implications, Important News, Internet Advertising, Internet Business, Internet Revolution, Internet Sales, Left Behind, O Clock, Real Money, Spare Part

Title:

September 9th, 2010

Title:
Will I make money online?

Word Count:
576

Summary:
This is the number one question people ask when they are looking for profits on the internet. Will I make money online? 95% of the people who start to look for ways to make money online fail eventually. The classic story is – start looking for information then a flood of misleading information hits you and you drown. You will try this then try that but fail at all of them and soon you will quit. Just to find yourself in that old crumpy day job you wanted to run away from to begin with.

Keywords:
money online, make money, people, give, looking, people looking, money, start, hungry,affiliate, money

Article Body:
This is the number one question people ask when they are looking for profits on the internet. Will I make money online? 95% of the people who start to look for ways to make money online fail eventually. The classic story is – start looking for information then a flood of misleading information hits you and you drown. You will try this then try that but fail at all of them and soon you will quit. Just to find yourself in that old crumpy day job you wanted to run away from to begin with. Today I will try to stop this and do a little mind arranging and show you one door to success.

I am not intending to prattle here and waist your time, lets get directly to the point. Making money online is actually based on one simple very basic formula:

Find a hungry crowd-> Find what they want -> Give it to them

Thats it there you have it, in a nut shell the whole internet marketing big philosophy purified in one short sentence.

OK, you think to yourself this is real nice but how do I manage all this? I will give you one way, among endless ways, to your success today. But before that you must remember the most important thing in internet marketing: What ever it is you choose to do, keep doing it and doing it and doing it. Do not jump from one program to another program, failing them all. Choose one path and keep moving forward, for this is the only way you will ever, manage to make money online.

Now lets break the formula into few basic steps you can start performing today.

Find a hungry crowed

You must find what people are searching for to be able to supply it. This is the What should I sell online? question everyone asks. Technically you can use search engines and find popular search terms but remember to look for something people want but not too popular. Another way is using any free keyword suggestion tool, simply look for these exact words, to find what people are looking for online.

Find what they want

Now you now what people are looking for but what will you give them? Lets say that you have found that people are looking for solution to some medical problem, you can give them information on how to solve their problem or products: pills, instruments, etc.
One more sample: if they are looking for ways to keep their dog from barking, give them a book which tells them exactly how they should train their dog. Finding what they want is all about finding specific solution to a certain problem.

Give it to them

Now you think: I have to look for what people need, find out what can solve their problem and then give it to them. But how will I find it? I dont have it at home, or at my car. Should I start create solutions? Writing a book? Build a real sophisticated machine? No you dont!!! This part is actually taken care for you, along with the entire customer handling.
The answer is Affiliates programs. They are free to join. And you will find almost any thing you can think of. They take care of creating, shipping, and customer support for you. All you need is to bring home the hungry crowd in because dinner is already served!

Tags: Affiliate Money, Article Body, Choose One, Crumpy, Day Job, Flood, Hungry Crowd, Internet Marketing, Making Money Online, Money Start, Nut Shell, Philosophy, Prattle, Profits, Ways To Make Money, Ways To Make Money Online, Word Count

Who Else Wants To Make Money Online Without Work?

September 7th, 2010

Why are you in Internet? Most likely, you want to earn money with easy way. It is almost reality with HYIPs, if you know how they work, of course. I know it and have more than $4000-5000 a month without work. How I do it?

In this article I will explain some steps how I find good HYIPs for investing. Before you begin your investment career with certain HYIP, you should do a Due Diligence (DD) check on the program. Listed below is a guide:

Step One

You should use whois sites to find out more about the program. For instance, you can use whois.ws or whois.net. Compare the whois information you have found from the above with the information provided by the program owner on his website. If you find any major discrepancies, you should be extra cautious about the program. The program owner may be trying to hide something from you.

Step Two

Before joining any HYIP, make sure you are comfortable with the program. Study HYIPs. Sign up on HYIP forums. Also do not forget to check theHYIPs.net and status of your favorite program on this hyip monitor. Forums usually are the best source of reliable information directly from other investors, like you. Pay more attention to posts made by more experienced members – they know what they are talking about. Never spam forums – do not post any referral links in your posts unless the forum rules allow that. You will only be banned for spamming. Read HYIP articles and reviews. Pay more attention to HYIP articles, they are written by senior investors and reflect their experience. Search in google for ” scam” – look for negative posts, because people usually post if they get scammed.

Step Three

Take note of the Internet Service Provider (ISP) for the program and to which organization its IP Address belongs to. Record their contact information (such as email address) so that in the event of default by the program, you can file a complaint to the ISP against them for internet fraud. If proven to be true, the ISP will most likely cease providing its services to the program. This prevents the program from cheating any more money from innocent members.

Step Four

Should you be the victim of a scam, submit details of the website found from Step One with your electronic payment confirmation number and send a complaint email to the following authorities to alert them of the internet fraud:

1. Internet Fraud Coordinator: ifcc.tp@fbi.gov
2. International Web Police: Director@Web-Police.org
3. ISP Provider (Refer to Step One. Look for the email contact for website abuse of the ISP Provider or the organization that the program IP Address belongs to and file a complaint).
4. Local authority (refer to the web registrant station address, search on the Internet to locate its country authority; such as the state police or any other relevant authorities)
5. E-gold Service (C.C. the email to the program owner)

Use smart investing strategy. Best strategy is to split your investments as much as possible. Invest most of your money in Real HYIPs with low interest and high credibility.

You can obtain more information about fraud reporting at theHYIPs.net . I believe in your success, now it is your time to belive in yourself and stop losing money on scams. Learn and Earn!

Tags: Contact, Dd, Discrepancies, Due Diligence, Earn Money, Forum Rules, Google, Hyip Monitor, Hyips, Internet Fraud, Internet Service Provider, Investment Career, Investors, Ip Address, Money Online, Money Work, Negative Posts, Provider Isp, Referral, Whois

Who else wants to make money online through adsenselover guide

September 5th, 2010

Who else wants to make money online through adsenselover guide to real money and home based business

If webmasters want to monetize their websites, the great way to do it is through Adsense. There are lots of webmasters struggling hard to earn some good money a day through their sites. But then some of the geniuses of them are enjoying hundreds of dollars a day from Adsense ads on their websites. What makes these webmasters different from the other kind is that they are different and they think out of the box.

The ones who have been there and done it have quite some useful tips to help those who would want to venture into this field. Some of these tips have boosted quite a lot of earnings in the past and is continuously doing so.

Here are some 5 proven ways on how best to improve your Adsense earnings.

1. Concentrating on one format of Adsense ad. The one format that worked well for the majority is the Large Rectangle (336X280). This same format have the tendency to result in higher CTR, or the click-through rates. Why choose this format out of the many you can use? Basically because the ads will look like normal web links, and people, being used to clicking on them, click these types of links. They may or may not know they are clicking on your Adsense but as long as there are clicks, then it will all be for your advantage.

2. Create a custom palette for your ads. Choose a color that will go well with the background of your site. If your site has a white background, try to use white as the color of your ad border and background. The idea to patterning the colors is to make the Adsense look like it is part of the web pages. Again, This will result to more clicks from people visiting your site.

3. Remove the Adsense from the bottom pages of your site and put them at the top. Do not try to hide your Adsense. Put them in the place where people can see them quickly. You will be amazed how the difference between Adsense locations can make when you see your earnings.

4. Maintain links to relevant websites. If you think some sites are better off than the others, put your ads there and try to maintaining and managing them. If there is already lots of Adsense put into that certain site, put yours on top of all of them. That way visitor will see your ads first upon browsing into that site.

5. Try to automate the insertion of your Adsense code into the webpages using SSI (or server side included). Ask your web administrator if your server supports SSI or not. How do you do it? Just save your Adsense code in a text file, save it as adsense text, and upload it to the root directory of the web server. Then using SSI, call the code on other pages. This tip is a time saver especially for those who are using automatic page generators to generate pages on their website.

These are some of the tips that have worked well for some who want to generate hundreds and even thousands on their websites. It is important to know though that ads are displayed because it fits the interest of the people viewing them. So focusing on a specific topic should be your primary purpose because the displays will be especially targeted on a topic that persons will be viewing already.

Note also that there are many other Adsense sharing the same topic as you. It is best to think of making a good ad that will be somewhat different and unique than the ones already done. Every clickthrough that visitors make is a point for you so make every click count by making your Adsense something that people will definitely click on.

Tips given by those who have boosted their earnings are just guidelines they want to share with others. If they have somehow worked wonders to some, maybe it can work wonders for you too. Try them out into your ads and see the result it will bring.

If others have done it, there is nothing wrong trying it out for yourself.

Tags: Adsense, Background Colors, Custom Palette, Earn Money, Earnings, Geniuses, Home Based Business, Money Online, Online Money, Place Where People, Real Money, Rectangle, Tendency, Web Pages, Webmasters, White Background

What You Need To Make Serious Money Online

September 4th, 2010

Only few are making serious money online. Why?

Everyday people are searching the net hoping to find a magic way to make money online. Only few are actually making some serious money online and the rest are struggling. Too much information and is hard to weed out most of the trash on the net.

There are tons of ways to make money online but nothing matters if you don’t know how to work it yourself. You must learn to master few simple skills and knowledge. Amazingly, 70% of folks that are trying to make money online are missing out from the power of the Internet.

Most people believe that your ability to generate traffic to your site will determine your success. That might not be very true and here’s why.

Let’s say I own two site’s selling the same product. Site A generate 1,000+ visitors a day and site B generate only 200+ a day. At the end of the month, site B earns me more money than site A. Why is that? What’s wrong with this scenario?

I’m not saying that driving traffic to your site is not important but why waste your effort generating lots of traffic but your site just not making a sale for you? You see, if you want to make money online you must know how to tap the power of the Internet.

You must implement 3 main things carefully.

1. make sure your product or service sells itself
2. Your website should be a strong and powerful sales page.
3. Then you can drive as much traffic as you can to your site.

A product that can be delivered instantly after the customer orders takes maximum advantage of the Internet and the customers desire for immediate gratification. We all want it now. And when we know we are going to get it now – we are much more likely to place the order.

That’s why information and software products are the hottest selling products on the net today. You can create your own digital product or sell other people’s product as an affiliate.

2. Your website should be a strong and powerful sales page.

A Web Site goes for the sale right then. It is exciting, clear and direct . It gets right to the benefits – what the customer will get when they order.

Avoid trying to build a home page with hundreds of links all over it. If you are seeking to make money online, don’t build a home… Build a “Direct Response Web Site” that makes me a clear offer I can’t refuse and gives me an easy, fast way to order. Then you will make money online. You will be able to make money online even from small amounts of traffic.

3. Then you can drive as much traffic as you can to your site.

The 3rd ingredient is Traffic! The more you generate the more money you make online. This is where you should spend most of your time. There are tons of ways to drive traffic to your site. To put your site in front millions of hungry buyer almost instantly, google adwords will be your best choice.

That’s it. Those 3 ingredients are the key to make money online.

Tags: Customer Orders, Desire, Everyday People, Generate Traffic, Immediate Gratification, Magic Online, Maximum Advantage, Money Matters, Need Money, Nothing Matters, Product Site, Serious Money, Software Products, Tap, Traffic To Your Site, Trash, Way To Make Money, Ways To Make Money, Ways To Make Money Online, Weed

Tips To Buy Online Organic Foods

September 2nd, 2010

Whether youre looking for organic foods online or in your local supermarket, the one thing that you can be assured of is that you will be able to find at least one or two organic products. Granted you will want more than one or two organic products to tide you over for the week, but it does go to show you how far organic foods have really come in the last few years.

From near obscurity to actually being sold in places outside of health food stores is no small feat, especially when you take in the opposition it has to face in the guise of processed foods, and the more readily available non-organic foods. If youre looking for a ready source of organic foods however, your best bet is to turn to suppliers of organic foods online.

These organics foods suppliers come with more than a few benefits, one of which is the fact that your foods will more often than not, be delivered straight to your door. This saves you the hassle of fighting your way through rush hour traffic to get to your grocers, and also saves you the trouble of having your toes run over by errant shopping carts.

Thats just one benefit of course that you gain by getting your organic foods online. Another great benefit is that you have a ready supply of organic foods at the touch of a button. You also have a larger supply of organic foods to choose from, both the natural organic food variety as well as the processed organic food variety.

This means that you have necessarily a larger choice than you would otherwise have had in a normal grocery store selling organic foods. You will also find that this applies to the online version of your favorite supermarket. Their selection of organic foods online will be greater than what you might find in their stores, and these also include the maybe-not-so-readily available organic meats.

Its easier to find organic produce and organic processed foods than it is to find organic meats, but by using the internet to facilitate your weekly shopping you will find just about all your organic foods online.

And if youre still not convinced, you also have an added benefit in the form of lowered monthly food bills. You might have gone organic, but that doesnt mean that you need to pay through your nose for it. If you get your organic foods in-store, be it a supermarket or a health food store, you will find that your weekly expenditure is more.

By getting your organic foods online you will find that your costs come down a significant amount. Of course to get this last benefit you will need to do a little bit of research and find an online store which will give you lower prices with the same great quality that you look for, but in the end it will be worth the effort.

Tags: Best Bet, Food Variety, Grocers, Grocery Store, Guise, Hassle, Health Food Stores, Obscurity, Opposition, Organic Food, Organic Foods, Organic Meats, Organic Produce, Organic Products, Processed Foods, Ready Source, Rush Hour Traffic, Shopping Carts, Supermarket, Toes

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