Up to your ankles, knees or neck in debt? Try these two dozen tips to help get your finances back on track.
At some point in our lives, most of us have borrowed too much. If you're in over your head, don't despair. But make no mistake: You must learn to live on what you earn.
First, stop making excuses about why you're in debt. Don't blame the credit card companies or your parents. Put that energy into reducing your debt. (See "Solving money problems.")
Debt can be extremely stressful, so tell someone you're in financial trouble. If you can't talk to a family member or friend, contact an organization that deals with debt reduction, such as the nonprofit National Foundation for Credit Counseling.
Then get a handle on how big your problem is. You can start with MSN Money's Debt Evaluation Calculator, or you can sit down with pen and paper. When you have no idea how much you owe, simply establishing a number is a critical first step.
Don't avoid the B-word
The best way to start reducing debt is to set up a budget. It's not a punishment; it's a way of knowing exactly where your money goes. You'll need to add up your income and subtract your expenses, then set up a plan. (See MSN Money's Managing Your Budget Decision Center.)
Don't lie to yourself. Be honest about your spending habits and you'll end up with a more realistic budget.
* Budget more than the minimum on credit card payments. Paying the minimum is better than nothing, but you wind up paying a lot more in interest as you chip away at the balances.
* Start an emergency fund -- a savings account that should grow to at least three months of expenses. Even $10 a week can help if it means you don't have to visit a payday lender two months from now. Without an emergency fund, unexpected costs or loss of income can drive you deeper into debt. (See "Why you need $500 in the bank" and "Everyone needs an emergency fund.")
What's your plan?
Use your budget to help you plan your debt-reduction strategy. List all of your debts, from the highest interest rate to the lowest. Aggressively pay down the highest-rate balances while making on-time minimum payments on the others. Your budget will dictate how much you can devote to paying down your balances each month.
In addition, consider these tips:
* If you have the money in savings, pay off what you can. The amount of savings income you get is usually dwarfed by interest rates you pay on your debts.
* Use any extra cash -- bonuses, extra paychecks, lottery winnings -- to pay down debts.
* Volunteer to work overtime, or get a second job.
If you can't earn more money, you'll need to spend less. Try these tips:
* Eat at home when possible. Avoid buying lattes and fast food. (See "Huge debts, paid off fast.")
* Go cash-only. After the bills are paid, allot yourself a certain amount of cash for gas, groceries, etc. When the cash is gone, the fun is done. (See "Living 'poor' and loving it.")
* Forgo premium cable-TV channels and high-speed Internet service. Your public library typically not only offers free Wi-Fi but computer access as well.
Consolidation is a dangerous road
As you grapple with repayment, the temptation is great to borrow from Peter to pay Paul in one lump sum. You might be better off paying your debts bit by bit. (See "The 3 worst money moves you can make.")
* Consider consolidating your loans only if you have the discipline to not use your credit cards. Consolidation means you take out one loan to cover all of your existing payments. If you do transfer a balance from a card, destroy that card so you won't be tempted to run up the balance again. (See "10 bad habits that lead to debt disaster.")
* Don't use a home-equity loan to pay off credit card debt. Even if the home-equity rates are lower than your cards' interest rates, trouble looms if you run up your balances again.
* Don't borrow from your 401(k). The closer you get to retirement, the more you'll regret it.
* Skip credit-repair clinics that may charge you hundreds of dollars to fix your credit record.
* Don't stretch to buy a house, even if everyone tells you it's OK. Buying too much house could mean giving up other things you want: vacations, eating out or college for your kids.
Face up to your credit cards
Once you're out of debt, how can you stay that way? Of course, stick to your budget. In addition, figure out how to deal with credit cards, which likely got you into this mess in the first place.
* Stop charging right now.
* Cut up all but one of your cards, the one with the lowest interest rate. Use that card only for emergencies.
* If you continue to use your credit cards, pay in full every month and avoid interest charges altogether.
* Pull your credit reports once a year and check them for errors. (See "How to get a credit report for free.")
* Call your creditors and ask for lower rates.
* Leave your credit cards at home. Shop with a list and buy only what's on the list; don't be tempted by sale items you don't need.
* Don't use retail-store credit cards for the discounts. Chances are that card carries a high interest rate that you'll have to deal with if you don't pay off your balance each month.
When the collectors are knocking
If you've gotten in so deep that debt collectors are at the door, know your rights:
* Debt collectors may not harass, oppress or abuse you or any third party they contact. (See "Make a deal with debt collectors.")
* They may not falsely imply that they are government representatives or that you have committed a crime.
* They may not tell you that you will be arrested if you do not pay your debts.
* Whatever you do, don't give up. You didn't get into debt overnight, and you won't get out that quickly. Getting out of debt takes time and patience, but it pays big dividends down the road.
Monday, August 25, 2008
Thursday, August 21, 2008
Can you get rich with Adsense?
The honest answer is you certainly could. There are those webmasters who are definitely earning thousands per month on Adsense. A misconception that newcomers to the business of building Adsense sites is that one Adsense site will bring in thousands per month. Those sites are few and far between. It can be done but it may be easier to go at it a completely different way.
Build more targeted sites instead of building one killer site that forces to you to compete with top Search Engines Optimizers. The art of building Adsense sites is that you can get them listed in the Search Engines for free if you pick the right Niche. The traffic that gets to your site from the Search Engines is free. You net revenue for these smaller niche sites will be much higher because you will not have an advertising expense. Your visitors will be highly targeted and more apt to click on your ads creating more revenue per visitor.
The niche is the selection of a particular topic with specific keywords that Adsense will pay a premium for when your visitors click on the Adsense Ads. A niche may not be the most trafficked site but it is a topic that people are definitely interested in and web master who advertise for those customers are paying a high premium to get the click. A less trafficked niche with less competition from other webmasters is easier to get top rankings in the Search Engines with a little effort.
Picking a Niche with low traffic but high payouts means you are probably not going to make thousands for that site.
For instance I have a site that generates less than 600 unique visitors per month. When a visitor clicks on an Adsense Ad on this site I get close to $5 per click. That site can make anywhere from $25 to $150 per month with very little effort. I don’t have to struggle for top search engines listings for this site because the competition is very low at this time. The people who search for this topic find my site in the Search Engines. The visitors that come to my site via Search Engines are very zeroed in on the niche. I see 1 out of 3 clicking a link because they are truly looking for my niche. Picking a lowered trafficked high paying niche generates lots of clicks on Adsense ads, few visitors but high payouts when the visitors take action,
$150 per month is not enough to quit your day job, but find 10 niches like this, update the sites a couple times per week. Multiply 10 times $150 and now you are bringing in $1150 per month. Add another 10 and you are up to $2300 per month.
You can certainly find time to find new articles and new content for 20 – 50 sites if this is your full time job.
The moral don’t go after the big fish when creating Adsense sites. Sometimes there is more money and less effort in the small Niches if you build them in Numbers.
Build more targeted sites instead of building one killer site that forces to you to compete with top Search Engines Optimizers. The art of building Adsense sites is that you can get them listed in the Search Engines for free if you pick the right Niche. The traffic that gets to your site from the Search Engines is free. You net revenue for these smaller niche sites will be much higher because you will not have an advertising expense. Your visitors will be highly targeted and more apt to click on your ads creating more revenue per visitor.
The niche is the selection of a particular topic with specific keywords that Adsense will pay a premium for when your visitors click on the Adsense Ads. A niche may not be the most trafficked site but it is a topic that people are definitely interested in and web master who advertise for those customers are paying a high premium to get the click. A less trafficked niche with less competition from other webmasters is easier to get top rankings in the Search Engines with a little effort.
Picking a Niche with low traffic but high payouts means you are probably not going to make thousands for that site.
For instance I have a site that generates less than 600 unique visitors per month. When a visitor clicks on an Adsense Ad on this site I get close to $5 per click. That site can make anywhere from $25 to $150 per month with very little effort. I don’t have to struggle for top search engines listings for this site because the competition is very low at this time. The people who search for this topic find my site in the Search Engines. The visitors that come to my site via Search Engines are very zeroed in on the niche. I see 1 out of 3 clicking a link because they are truly looking for my niche. Picking a lowered trafficked high paying niche generates lots of clicks on Adsense ads, few visitors but high payouts when the visitors take action,
$150 per month is not enough to quit your day job, but find 10 niches like this, update the sites a couple times per week. Multiply 10 times $150 and now you are bringing in $1150 per month. Add another 10 and you are up to $2300 per month.
You can certainly find time to find new articles and new content for 20 – 50 sites if this is your full time job.
The moral don’t go after the big fish when creating Adsense sites. Sometimes there is more money and less effort in the small Niches if you build them in Numbers.
Wednesday, August 6, 2008
buy this stock it has promise...
I recommend you buy these stocks QTWW and LUK these stocks have amazing promise Quantum Fuel Technology and Luecadia below is a video of QTWW new Q drive for the Fisker Karma.
Sunday, June 22, 2008
How to make lots of money with paypal!!!
Make Lots of Money Quick, Easy & LEGAL with Paypal
AS SEEN ON OPRAH AND 20/20!!
PAYPAL VERIFIES THAT THIS $6 INVESTMENT SCHEME
IS 100% LEGAL AND IS A BIG HIT THIS YEAR SEE
THEIR NOTE BELOW OR ASK THEM DIRECTLY... THIS
SCHEME MIGHT TAKE 15-30 MINUTES AND JUST $6,
BUT IT IS 100% WORTH IT TO MAKE THOUSANDS SO
QUICKLY. THIS IS NOT ANOTHER SCAM THAT
TAKES LOTS OF YOUR HARD EARNED MONEY; THIS IS
A NO RISK INVESTMENT THAT WILL MAKE YOU
THOUSANDS OF DOLLAR VERY EASILY AND QUICKLY.
>From PayPal:
"Dear Member, it has come to our attention that there
is a PayPal scheme floating around at the moment you
may have heard or seen the $6 scheme. You may have
even taken part in it well we have been asked a lot of
questions about this scheme the answer is yes it does
work and yes it is safe to use providing you follow the
rules it is legal and has made a big hit on the internet
this year. If you would like to take part in this scheme
or would like a bit more information then please see the
attached file that was kindly donated to us. Thank you for
using PayPal!"
Get rid of student loans, get out of debt, make money to go traveling!!
Making Money - This Really Works Keep in mind that everything
stated below is 100% legal as stated by the U.S. Post Office
(1-800-725-2161). A little while back, I was browsing through newsgroups,
just like you are now, and came across an article similar to this that said
you could make thousands of pounds within weeks with only an initial
investment of $6.00! : Anyway it said that you have to send $1.00 to each
of the following names on the list, stated at the end of this article using
Paypal. You don’t have to be preferred or verified to transfer and receive
money, so you lose no money through transfers. Now honestly, what is six
pounds, especially out of a Paypal account. In exchange you will make
thousands in the first few months. You then place your own name and
email address in the bottom of the list at #6, and post the article in at
least 200 newsgroups. (There are thousands of newsgroups). No catch, that
was it. So after thinking it over, and talking to a few people first, I thought about
trying it.
I know that you have seen this on Oprah or even received numerous
messages about this simple program and have probably just deleted them,
I know I have! But for some unknown reason this time I decided to give it a try.
Please give it an honest effort, you will not be disappointed and will be very
glad you did when it starts to work. Remember, all you're going to be out of
pocket is about the cost of a couple of coffees with the opportunity of banking
thousands of pounds into your PayPal account!
I sent out my measly $6.00 to the six people on the list. Well GUESS WHAT!!...
Within 7 days, I started: getting $$$$$ in my account! I was shocked! I figured
it would end soon, but the CASH just kept coming in. In my first week, I made
about $25.00. By the end of the second week I had made a total of over $1,000.00!
In the third week I had over $15,060.00 and it's still growing. This is now my
fourth week and I have made a total of just over $26,000.00 and it's still coming
in rapidly. It's certainly worth $6.00 and 6 minutes to send it out. This program
WORKS, all you have to do is try it, and waste some pocket change. You could find
six dollar lying around the house. There is absolutely nothing you could lose. Just
follow the 3 basic steps below to make thousands in just a few days, weeks, or months,
it all depends on how many posts of this letter you put in message boards
or send as emails.
Here’s how it works: When you post 200 messages all over the internet, it is
estimated that at least 15 people will respond and send you a $1.00. ($15.00).
Those 15 will Post 200 Posts each and 225 people send you $1.00 ($225.00) Those
225 people Post 200 Posts each and 3,375 people send you $1.00 ($3,375.00) Those
3,375 post 200 posts each and 759,375 people send you $1.00 ($759,375.00) At
this point your name drops off the list, but so far you have received $813,615.00.
Note: I'm not saying this is going to make everyone 800 grand, but lets say even
1 person out of 200 tries this program, you are still going to make 50,000 pounds
anywhere from 1 month to 6 months max!!!!! You can also copy this letter and
email it to some of your friends and associates, it’s a guarantee that some of them
will be interested and give it a go, the more that do the more you make.
INSTRUCTIONS 1. Immediately send $1.00 to each of the six people on the list using
Paypal, and in the comment (Subject) section type "Please add me to your list". Below
are the emails that you transfer the money into:
Paypal accounts to send 1 dollar to :
1) salisguy23@gmail.com
2) mosesrbnsn@yahoo.com
3.) AMAYA760@yahoo.com
4) CheriePimentel@yahoo.com
5) shaygj@hotmail.com
6) mcmillena@gmail.com
2.After sending the money to the first 6 people on the list, you can remove the name
next to the #1 on the list and move the rest of the names up one position (#2 becomes
#1, #3 becomes #2, etc?) Then place your name in the #6 position. Then save it.
3. When you have completed the instructions, take this letter and then go to
(Google, Yahoo,...) and type in (Making Money Message board, Money Message Board,
Money Forum, Free money Forum, or anything along those lines that are forums) and
start posting your copy of this message at least 200 times, to as many unique message
boards as you can, or more. The more times you post this at a unique board, the more
money you will make. You can email your message to as many people you can but
remember, the more you post and email the more money you make! Keep a copy of
this letter so you can use it a second time. Post it out again in six months, but Post it
with the addresses you receive with each pound. It will work better the second time.
Estimates are at 20,000 to 50,000 new users, every day, with thousands of those
joining the actual Internet. Remember, play FAIRLY and HONESTLY and this will
work. If you don't have a paypal account you can copy the link below and follow the
instructions. It’s totally secure, costs you nothing to set-up and is a very useful way of
transferring and more importantly receiving money. You will be amazed every time
you check your account to see how much money has been paid into it, and this money
goes straight in without any deductions. To sign up for Paypal follow this link, just
make sure that you use the same email address for your paypall account that you
put in this list, that’s how your payments are made.
https://www.paypal.com/uk/mrb/pal=B3WZU7GC4UWKU
4. This program remains successful because of the honesty and integrity of the
participants. Please continue its success by carefully adhering to the instructions.
In this business your product is not solid and tangible, itps a service. You are in
the business of developing Mailing Lists. Many large corporations are happy to
pay big bucks for quality lists. However, the money made from the mailing lists is
secondary to the income which is made from people like you and me asking to be
included in that list.
5. This is perfectly legal! If you have any doubts, refer to Title 18 Sec.
1302 & 1241 of the Postal Lottery laws. Keep a copy of these steps for yourself and,
whenever you need money, you can use it again and again. This is the biggest growing
internet money making scheme on the net, you will see that as you post your letter
to the message boards, but that just proves how successful it really is.
6. Good luck, don’t forget to follow the instructions correctly and spend the money wisely!!
AS SEEN ON OPRAH AND 20/20!!
PAYPAL VERIFIES THAT THIS $6 INVESTMENT SCHEME
IS 100% LEGAL AND IS A BIG HIT THIS YEAR SEE
THEIR NOTE BELOW OR ASK THEM DIRECTLY... THIS
SCHEME MIGHT TAKE 15-30 MINUTES AND JUST $6,
BUT IT IS 100% WORTH IT TO MAKE THOUSANDS SO
QUICKLY. THIS IS NOT ANOTHER SCAM THAT
TAKES LOTS OF YOUR HARD EARNED MONEY; THIS IS
A NO RISK INVESTMENT THAT WILL MAKE YOU
THOUSANDS OF DOLLAR VERY EASILY AND QUICKLY.
>From PayPal:
"Dear Member, it has come to our attention that there
is a PayPal scheme floating around at the moment you
may have heard or seen the $6 scheme. You may have
even taken part in it well we have been asked a lot of
questions about this scheme the answer is yes it does
work and yes it is safe to use providing you follow the
rules it is legal and has made a big hit on the internet
this year. If you would like to take part in this scheme
or would like a bit more information then please see the
attached file that was kindly donated to us. Thank you for
using PayPal!"
Get rid of student loans, get out of debt, make money to go traveling!!
Making Money - This Really Works Keep in mind that everything
stated below is 100% legal as stated by the U.S. Post Office
(1-800-725-2161). A little while back, I was browsing through newsgroups,
just like you are now, and came across an article similar to this that said
you could make thousands of pounds within weeks with only an initial
investment of $6.00! : Anyway it said that you have to send $1.00 to each
of the following names on the list, stated at the end of this article using
Paypal. You don’t have to be preferred or verified to transfer and receive
money, so you lose no money through transfers. Now honestly, what is six
pounds, especially out of a Paypal account. In exchange you will make
thousands in the first few months. You then place your own name and
email address in the bottom of the list at #6, and post the article in at
least 200 newsgroups. (There are thousands of newsgroups). No catch, that
was it. So after thinking it over, and talking to a few people first, I thought about
trying it.
I know that you have seen this on Oprah or even received numerous
messages about this simple program and have probably just deleted them,
I know I have! But for some unknown reason this time I decided to give it a try.
Please give it an honest effort, you will not be disappointed and will be very
glad you did when it starts to work. Remember, all you're going to be out of
pocket is about the cost of a couple of coffees with the opportunity of banking
thousands of pounds into your PayPal account!
I sent out my measly $6.00 to the six people on the list. Well GUESS WHAT!!...
Within 7 days, I started: getting $$$$$ in my account! I was shocked! I figured
it would end soon, but the CASH just kept coming in. In my first week, I made
about $25.00. By the end of the second week I had made a total of over $1,000.00!
In the third week I had over $15,060.00 and it's still growing. This is now my
fourth week and I have made a total of just over $26,000.00 and it's still coming
in rapidly. It's certainly worth $6.00 and 6 minutes to send it out. This program
WORKS, all you have to do is try it, and waste some pocket change. You could find
six dollar lying around the house. There is absolutely nothing you could lose. Just
follow the 3 basic steps below to make thousands in just a few days, weeks, or months,
it all depends on how many posts of this letter you put in message boards
or send as emails.
Here’s how it works: When you post 200 messages all over the internet, it is
estimated that at least 15 people will respond and send you a $1.00. ($15.00).
Those 15 will Post 200 Posts each and 225 people send you $1.00 ($225.00) Those
225 people Post 200 Posts each and 3,375 people send you $1.00 ($3,375.00) Those
3,375 post 200 posts each and 759,375 people send you $1.00 ($759,375.00) At
this point your name drops off the list, but so far you have received $813,615.00.
Note: I'm not saying this is going to make everyone 800 grand, but lets say even
1 person out of 200 tries this program, you are still going to make 50,000 pounds
anywhere from 1 month to 6 months max!!!!! You can also copy this letter and
email it to some of your friends and associates, it’s a guarantee that some of them
will be interested and give it a go, the more that do the more you make.
INSTRUCTIONS 1. Immediately send $1.00 to each of the six people on the list using
Paypal, and in the comment (Subject) section type "Please add me to your list". Below
are the emails that you transfer the money into:
Paypal accounts to send 1 dollar to :
1) salisguy23@gmail.com
2) mosesrbnsn@yahoo.com
3.) AMAYA760@yahoo.com
4) CheriePimentel@yahoo.com
5) shaygj@hotmail.com
6) mcmillena@gmail.com
2.After sending the money to the first 6 people on the list, you can remove the name
next to the #1 on the list and move the rest of the names up one position (#2 becomes
#1, #3 becomes #2, etc?) Then place your name in the #6 position. Then save it.
3. When you have completed the instructions, take this letter and then go to
(Google, Yahoo,...) and type in (Making Money Message board, Money Message Board,
Money Forum, Free money Forum, or anything along those lines that are forums) and
start posting your copy of this message at least 200 times, to as many unique message
boards as you can, or more. The more times you post this at a unique board, the more
money you will make. You can email your message to as many people you can but
remember, the more you post and email the more money you make! Keep a copy of
this letter so you can use it a second time. Post it out again in six months, but Post it
with the addresses you receive with each pound. It will work better the second time.
Estimates are at 20,000 to 50,000 new users, every day, with thousands of those
joining the actual Internet. Remember, play FAIRLY and HONESTLY and this will
work. If you don't have a paypal account you can copy the link below and follow the
instructions. It’s totally secure, costs you nothing to set-up and is a very useful way of
transferring and more importantly receiving money. You will be amazed every time
you check your account to see how much money has been paid into it, and this money
goes straight in without any deductions. To sign up for Paypal follow this link, just
make sure that you use the same email address for your paypall account that you
put in this list, that’s how your payments are made.
https://www.paypal.com/uk/mrb/pal=B3WZU7GC4UWKU
4. This program remains successful because of the honesty and integrity of the
participants. Please continue its success by carefully adhering to the instructions.
In this business your product is not solid and tangible, itps a service. You are in
the business of developing Mailing Lists. Many large corporations are happy to
pay big bucks for quality lists. However, the money made from the mailing lists is
secondary to the income which is made from people like you and me asking to be
included in that list.
5. This is perfectly legal! If you have any doubts, refer to Title 18 Sec.
1302 & 1241 of the Postal Lottery laws. Keep a copy of these steps for yourself and,
whenever you need money, you can use it again and again. This is the biggest growing
internet money making scheme on the net, you will see that as you post your letter
to the message boards, but that just proves how successful it really is.
6. Good luck, don’t forget to follow the instructions correctly and spend the money wisely!!
Friday, May 30, 2008
Applied Materials: Solar power play
Even if it's not the most timely stock, Applied Materials looks like a compelling value for long-term tech investors. The company also has a great additional appeal.
Read More...
[Source: Expert stock market advice - Sivy on Stocks - CNNMoney.com - Posted by FreeAutoBlogger]
Read More...
[Source: Expert stock market advice - Sivy on Stocks - CNNMoney.com - Posted by FreeAutoBlogger]
Smart strategies in a scary market
The Dow tumbled last week, and the bad news is spreading. Sectors that haven't been badly affected until now are dropping along with long-troubled groups like the financials.
Read More...
[Source: Expert stock market advice - Sivy on Stocks - CNNMoney.com - Posted by FreeAutoBlogger]
Read More...
[Source: Expert stock market advice - Sivy on Stocks - CNNMoney.com - Posted by FreeAutoBlogger]
Get growth and income too
Everyone understands the advantages of growth investing. Bet on a company with a hot new technology or a great retailing idea, and as the business expands, the share price will soar.
Read More...
[Source: Expert stock market advice - Sivy on Stocks - CNNMoney.com - Posted by FreeAutoBlogger]
Read More...
[Source: Expert stock market advice - Sivy on Stocks - CNNMoney.com - Posted by FreeAutoBlogger]
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