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Thursday, March 31, 2011

How to Make Money through Blogging

How to Make Money through Blogging

by: Jason Muriandy


There are many money-making opportunities waiting for people online. For some reasons, many individuals stay at home. Some individuals can’t have a professional career because they have to take care of their family and some are simply jobless.

However, this is the time to rejoice because now you can make money even without leaving your home. It’s time to learn about how to make money through blogging.

Budding bloggers may not know the potential of earning huge money through blogging. But if you’re an excellent blogger, you can make more or less $20,000 every month just by posting blogs online. It’s quite amazing, isn’t it?

Both bloggers and advertisers benefit from blogging largely. This is a rewarding business venture especially if you know how to go about the whole process. It is very important to build trust among your readers. Without your faithful readers, you will not succeed as a blogger.

Many people have the talents in writing and if you’re one of them, you can take advantage of this opportunity and become a blogger. Paid blogging is getting more and more popular in today’s times and it’s definitely going to stay in the market for a long time.

If you want to generate income by surfing the net at home, try creating interesting blogs. You don’t just share all your personal experiences or your favorite topics. If you want to become a successful blogger, you must also consider the interests of your readers and subscribers. You must be able to put some sizzle in your blogs to keep your readers interested.

There are popular sites that can help budding bloggers like the PayPerPost, ReviewMe, and SponsoredReviews. If you want to know the latest blogging opportunities online, visit PayPerPost. After finding the right blogging opportunity, you can now make your offer to the advertisers. If the advertisers like the blogger, blogging reviews will be awarded.

However, the case is different with ReviewMe. Instead of the bloggers contacting advertisers, it is the advertisers who contact their desired bloggers. Only the established and popular bloggers can regularly post blogs in ReviewMe. Despite the hardships that a blogger may encounter online, many people still desire to make money through blogging.

If you want to live your life by simply creating blogs, make sure that you’re earning enough money to finance all your daily expenses. Otherwise, you can start looking for a much better career.

Some bloggers also create their own website where they post their blogs. This requires hard work because you have to set up your site. You have to make it interesting as much as possible so that you can attract many readers. It must also be among the top searches in the different search engines.

If you can generate enough traffic to your website and you’re a good blogger, you can make money out of it. Aside from that, if advertisers find your blog website appealing, they will instantly contact you and request you to make blogs for them. That way you’ll be earning huge money.

In order to be a successful blogger, you must learn the basics of making blogs. It’s not that hard. Just make use of the resources you can find online and you can start your blogging career the soonest.

Now, you no longer have to wonder how to make money through blogging because you now know the ins and outs.

Tuesday, March 29, 2011

How to look for the Best No Load Mutual Funds

Choosing the best no load mutual funds based solely on their fees and expense ratios might sound like a good idea. The rationale being that by choosing mutual funds with low fees, investors can have more of their capital invested. However, there are other factors to take into account which should influence your decision on where to invest.

Low fees and expense ratios.

In their search for the best no load mutual fund, some investors tend to select mutual funds based solely on their fees and expense ratios. The rationale is that by choosing mutual funds with low fees, investors can have more of their capital invested. Also, no load mutual funds with low expense ratios will pass on more of the returns they earn to their shareholders. However, metrics such as price/earnings ratio and dividend yield on the S&P 500 index, a commonly used proxy for the U.S. stock market, are hardly at bargain levels. Several market experts forecast single digit annual returns for domestic mutual funds over the next decade.

Is shopping for the lowest fees and expense ratios the right way to select mutual funds? Not always. The answer depends on the type of mutual fund you are evaluating, the time you can devote to evaluating and managing your mutual funds investments, and the type of cost incurred.

Investing in the Best No Load Index Mutual Funds.

If you believe markets are generally efficient and prefer to invest in an index mutual fund to achieve an index-like return, shopping for the best index mutual fund based on low fees and a low expense ratio makes perfect sense. An index mutual fund's portfolio manager seeks to invest the fund's assets to track an index as closely and as cost-effectively as possible. Larger index funds have an advantage since they can spread their operating costs over a larger asset base. Some of the interesting index mutual fund options currently available include no load index mutual funds like E*Trade S&P 500 Index Fund (Nasdaq: ETSPX), Fidelity Spartan 500 Index Fund (Nasdaq: FSMKX), and Vanguard 500 Index Fund (Nasdaq: VFINX) with expense ratios of 0.09%, 0.10%, and 0.18%, respectively.

Investing in Actively Managed Mutual Funds and Strategies.

If you believe portfolio managers can add value and out-perform the index through active management, fees and expenses are just one of several important factors to consider. The portfolio manager's ability and investing style are just as important. Therefore, seeking out the best mutual fund based on just low fees and a low expense ratio may not always be the right approach. Ensuring Your Mutual Fund Puts Your Interest First.

Whether you prefer to index or take an active approach to managing your investments, ensuring that your mutual fund is putting your interests first is good investing practice. Mutual funds charge different types of fees. By looking at some key factors concerning fees, you can get a sense of whether the mutual fund puts your interests first or merely seeks to line the mutual fund company's pockets.

Serving the Interests of Long-Term Shareholders - Some mutual funds impose short-term trading fees to discourage frequent trading of mutual fund shares. Frequent trading disrupts efficient management of the mutual fund and increases operating expenses. A short-term trading fee can therefore actually be beneficial to long-term shareholders if the fee is rightly treated by the mutual fund company.

Passing on Savings from Scale Economies - The operating expenses incurred by a mutual fund are a combination of fixed and variable costs. As the assets of a mutual fund increase, the fixed cost gets spread over a larger asset base. Therefore, the expenses incurred to operate the mutual fund as a percentage of the fund's assets should trend lower.

A mutual fund that places the interest of shareholders first must pass on the savings from scale economies to shareholders. The trend in a mutual fund's expense ratio therefore serves as a metric of how seriously a fund takes its fiduciary responsibility.



Sunday, March 27, 2011

A Guide For Writing a Funding Proposal

No guide for writing a funding proposal would be complete without cautioning that a business looking for funding cannot do so without also presenting a completed business plan. Every lender, whether bank or other financial institution, venture capitalist, or private individual, will want to see the firm's business plan in addition to the project detail. They'll want to know the company's mission, its goals, its steps to achieving those goals, its products and services, its available resources, the market, the competition, and your firm's competitive edge.

The business plan that accompanies the funding proposal you write and present should also include the owners or officers and all major players such as executives and others instrumental in the day to day workings of the company.

If you're new to writing a funding proposal a guide is essential, whether a written brochure or publication, online assistance, or a counselor at the local small business development center. SCORE, the Service Corps for Retired Executives, is another top-notch resource that can guide you through writing a funding proposal. The volunteers are all retired executives and other experts who have been where you are and have succeeded.

In addition to the standard documents that the bank or credit union will require for the loan application, the lender also expects to see a written funding proposal when you apply for the loan. Rather than looking at writing a funding proposal as a tedious chore, look at it as the guide for your lender to see just how exciting, promising and profitable your idea and firm could be and what an opportunity they have to be a financial part of your great venture.

Give your funding proposal a zippy but clear title, then talk about the overview of the project you've planned, supplying background information on the problem as you see it, the details of the project that will solve the problem, what resources you have available and what resources you'll need to get the job done, what staff and administration help you have and what else you might need, the facilities available for your project and any that you'll need to lease or buy in addition, any supplies or equipment or personnel that will be added, and any communication capabilities or requirements that are pertinent. Present a budget for your project.

Step by step, you should....

* Write a cover letter with your funding proposal, both as an enticement to read the proposal and a guide to what will be found in the funding proposal pages. Included in the cover letter, besides the title, are a brief introduction to your firm, the purpose of the loan and the amount of money you are requesting.

* The funding proposal should begin with the company name, address, and contact information such as phones and e-mails. Here should also be the names, titles and social security numbers of all the principals, the reason for the loan, the amount requested and details of what you will be doing with the money including the equipment and supplies purchase, perhaps the lease of new facilities, the resources now available, the staff that might be added, and the administration personnel that will oversee the project.

* Next offer extensive details about the firm, including any previous projects and performance, clientele, overall goals and objectives, unique aspects of the firm and the ownership and legal structure.


* Background information is next, with details about the company budget, as well as the project budget, the market and the competition, and your firm's standing among the competition. Details on the current clientele as well as an evaluation plan for determining the company's overall financial and competitive health and for that of the project itself should be included as well.


* All key personnel should be profiled, including their education, the accomplishment both as a firm member and prior, as well as their qualifications. Along with background information and a budget for the project, you should provide all information and documents about the last three years of the company's operations. If not in business that long, provide the financial statements including balance sheets and income statements that you have. Collateral should be pledged for the funding.

* Written communication is a crucial part of your funding proposal and someone should guide you through the process by proofreading the materials, to check for spelling, grammar, factual accuracy and overall quality of presentation.

Any time you apply for a loan, whether the details of the needed resources, the project overview, the statement of the problem, and the budget are already in the application or the cover letter, you should still submit a funding proposal as an overall guide to the loan officer and other funding decision makers.

Monday, March 21, 2011

The Disadvantages of Adsense

The Disadvantages of AdsenseAs adsense becomes the most popular publisher program for Price per Click advertising, flaws and disadvantages still exist. Since its inception advertisers have chosen to advertise in search because they felt that visitors would be less targeted. This is a genuine concern and one that makes perfect sense. If you are visiting a website, and notice an advert then the chances are you are not particularly concentrating on its content.

Adsense has also become so popular that people can distinguish them from other adverts. Therefore people may choose to ignore them without even paying them a thought. This has been a hot topic discussed by Bloggers and one that could contain a lot of truth. Many have blamed Google for this, and their decision to include text that says “ads by Google” beneath the advert.

Many publishers also fail to ever gain the revenues they anticipated when starting the program. Those only gaining 30 – 40 visitors a day to their website would be unlikely to earn even one dollar a day. Many advertisers talk of rates such as 1.5%- 5% for traffic to click conversion, whilst only gaining around $0.10 per click. The maths doesn’t work out great, but you can hardly blame advertisers or Google if you are not bringing enough traffic. The key is to bring targeted traffic to your website that are likely to click on adverts, however it is said that it may be easier on other programs which allow figures such as 75% share of advertising revenues for publishers.

Another disadvantage in adsense is that it has almost become tacky. Its appearance on websites that generally appear to be designed in a DIY fashion has lead people to associate them inextricably. This can only be tackled through adsense evolving to be more attractive to the bigger brands, whilst those who currently use adsense are restricted.

Google Adsense also has to tackle the issue of click fraud which is anticipated to count for over 15% of click through rate in content. This has meant that advertiser’s who have been particularly affected, have moved away to other programs or have restricted their advertising to search.

This has meant that there is less competition in content and therefore smaller revenues for publishers. Publisher’s who previously had high yielding ads, are now having to alter their content to ensure they get any adverts at all. This has largely been the fault of the publishers themselves however the issue is one that; if not addressed could bring adsense to its knees.

Google Adsense also has the disadvantage of not paying enough for their search program. Other similar programs pay higher rates, and if publishers decide to go elsewhere then problems will occur for advertisers and publishers alike. Although Google fail to pay enough for search another major problem with Adsense is that it does not have a powerful database of graphic adverts. Many advertisers prefer showing graphically drive advertisements, however this has yet to materialise. As several other programs exist for PPC graphic distribution problems could occur.

Whilst this may not be a problem for all publishers, many complain that the adverts within their site do not change, so their repeat visitors fail to see fresh adverts so therefore fail to visit them. This is a problem which could be addressed through making adverts rotate. However if adverts rotate then how will that be linked with advertisers paying a rate per click? These are all problems which Google has to address to ensure that Adsense remains the market leader.

Adwords on the other hand also has major advantages, and remains the best in the market. It’s CPC rates can be chosen by the advertisers so that even when they feel that they are not getting the results they expect they can lower their prices whilst still using the service.

Whilst many issues remain with adsense the program still remains the most popular amongst publishers, whilst Google Adwords remains the most popular amongst advertisers; with a database of over 140,000 Adwords will remain on top for the time to come.

Tuesday, March 15, 2011

How to Save in Times of Economic Recession

Economic recession is gripping the country. This can be seen in the job losses and the rapidly increasing cost of living in the United States. This is perhaps why the upcoming elections is all the more crucial as it would determine just who will be "unlucky" enough to preside over such a messy economic condition. But politics aside, there are ways to survive the economic recession while the race to the elections is still going on. Here are some tips on how to deal with this cashless scenario.

1. Don't waste food
Food like veggies and bread may not be as expensive as other products such as meat, fish and rice but this does not mean that you can waste it or throw the food away. Teach your kids to get only the food that they can eat and if they want more, they can always get a second helping. This way, no food is wasted especially now that you can't afford to throw away food.

2. Plan your meals
Plan your meals ahead by making a dish schedule at home. This will allow you to determine what to buy at the groceries at a particular time. Having a schedule also allows you to know how much is needed so that you will not be buying more than you can chew literally.

In planning meals, make sure also that you include dishes that is more or less similar in ingredients. That way, you can buy in bulk for the rest of the week, which is less costly, but will be able to use the ingredients in multiple dishes.

3. Learn to recycle food
Food can be eaten the next day. Just put it inside the refrigerator after eating and then reheat it the next day. Make sure though that you use serving spoon for the dishes to avoid spoilage. Practice clean hygiene too when you are eating to also minimize spoilage.

If your family do not want to eat the same dish for the next day, be creative and whip up a new dish using the old one that you cooked. Some people fry or grill the dish or use the dish as an ingredient into another dish. It's up to you.

4. Walk!
With the rising prices of gas, a kilometer can cost you a lot! So, bring out those rubber shoes and prepare to walk those blocks. If you are just going to visit a neighbor or just buying bread from the local store a couple of blocks away, use the trip to do some brisk walking. Doing this will save your money and will also save you from illnesses. Remember that walking is a very good exercise. Not only does it help in building the muscles in the legs and in keeping people fit, it also strengthens the lungs and the heart.

5. Save on water and electricity
You may not realize it but you may be paying more for your utilities than most people with the same number of people in your households. So, don’t waste those water and electricity. Turn off the lights when you leave the room or when you are going to sleep. Put your television sets in sleep mode or on automatic shut off. When it comes to water, shut off the faucet when you are soaping your hands.

That way, you are not wasting money paying off utilities that you are not actually using. This will go a long long way when it comes to dealing with economic recession.

Wednesday, March 9, 2011

Choosing the Proper Blogging Software

Choosing the Proper Blogging SoftwareThe popularity of blogging is increasing by the minute. Because of this, the need for blogging software is also increasing. Blogging software can simplify the entire blogging process. The task of selecting a software package is overwhelming because there are many packages available.

The process of choosing the most appropriate blogging software is not as difficult as it may seem. Since you’re a blogger, you spend a great deal of your time online. Do some research and you can find helpful websites that can simplify the process of decision making. These websites can provide you with comparison charts so that you can compare the different blogging software packages.

You can save a lot of time by making use of the comparison charts because they have all the information you’ll need in choosing the right software. However, for the purpose of choosing the appropriate software using the charts, you need to look for other important information such as the methods used for comparing the software, understanding the charts, and some helpful tips in selecting software.

Before you attempt to compare the different blogging software available, you must understand certain software criteria. You have to understand the minimum requirements for the server, post editor, and data storage. If you can understand these things, you can already compare the different software packages.

You will install the software in the server. The blog software can operate properly depending on the particular software used. You will have additional costs for the license requirements and the software as well.

To evaluate the software, you must look into the data storage of the blogging software. There are some options included in the software such as data file, flat file, or database. The last criterion is the post editor and this pertains to the editor type that is used on the blogs to fill-in listed posts. You can find post editor with options like JAVA or HTML.

In comparing the different blogging software in the market, you must be able to find the most superior software package. Be sure to identify your blogging needs so that you can choose the appropriate software package. By doing so, you can identify the different criteria that is relevant to your blogs.

Once you’ve evaluated the packages, you can install the right blogging software for you. This is a very important decision and so you need to think things out carefully. By this time, you’ve already looked into the different software packages and checked their server requirements, storage space, post editors, etc.

However, as an educated consumer, you shouldn’t forget about versatility and cost. You must admit it that some bloggers have limitations when it comes to the budget allocated for such blogging software. There are free software packages as well as paid packages. You need to choose between free packages or purchase one that can exactly meet your blogging needs. Well of course, you can only do this after considering the money in your hands.

A good place to start is wordpress.com, it's free and probably the most versatile blogging software available. It also has a ton of plugins to enhance the features.

Thursday, March 3, 2011

Internet Multi Level Marketing Advantages

by: Stephanie Lang

Multi level marketing (MLM) is a business concept that involves selling the products by encouraging other people to be in your team. A commission is earned from every product you sold as well as from the products the people in your down line (pyramid group) have sold. Obviously, if you have managed to create a big team, it will mean big financial rewards for you.

But what if it is a small team? Surely, you will never get to dramatic results from that, won't you? Such is a common problem with multi level marketing business. If the member is not bolder enough to encourage other people to become their down line, making it to huge financial success is a hard job.

But then, any business requires hard work to come to success. Even internet multi level marketing business needs hard work, though not as physically tedious as traditional MLM. But when you think how a typical MLM business works, the internet marketing makes it more advantageous to people who do not excel in verbal communications, let alone sales talking, with other people. In a traditional MLM scheme, you make use of guerilla marketing strategies in order to attract people to sign up under your down line. If you exhausted your list, you are required to deal with strangers in the name of recruiting new members. You have to give flyers and leaflets to people and entice them to get interested.

Limiting to one area would not give you high chances of getting them signed up under you. Still, you need to exhaust all means such as putting flyers or leaflets on other people's cars, leaving leaflets around where people can pick them up, billing leaflets to people's mail boxes, and similar techniques. But as tediously exhausting as it is, you are still faced with the challenge that not many of these people will even get a second look and be interested.

Some aren't just interested because they simply don't believe about the scheme while others may look at it as another typical scam trying to hook people with their money. Some are not interested because the typical MLM concept requires large money for the initial investment while others are just too busy to care about your flyers and leaflets.

So, from the hundreds of people who got the leaflets and flyers, you may probably have only a single phone call inquiring about your business. With luck, you can have that call turned into a sign-up member to your team. With more luck, that person will turn out to be a hard-working member that helps to make your team bigger. If not, better luck next time for you.

For the people who hate all the above work, the internet multi level marketing seems to be the ideal alternative. It does not require tedious physical work to convince people. There is no money used up to make and distribute those papers. There is no huge sum needed to bring the supply of physical products.

The internet MLM business has electronic products to be supplied. Referring or recruiting new members is done via the internet. Business deals are done online. Obviously, the internet has more advantages to people who don't have the guts to work outside home. So, if you want to be involved in a money-making scheme that brings real money to your bank but do not want to be doing all those hard work stuffs above, you can try the internet multi level marketing business.

If you want more information, you can research, again, the internet to find effective ways to use the methods correctly in order to be a success.