Make Money From Listening To Music Online
As the Internet grows and evolves with each day that passes, new and interesting ways of making money online seem to be appearing. At least this is the case with the website, Slice The Pie.
Slice The Pie is a website that was set up to help emerging and up-and-coming music artists to get noticed, allowing them to get people to listen to their music, to gain feedback on their music, and also to enable people to invest in the artists, giving the artists a much needed financial backing.
More importantly, Slice The Pie pays people to listen and rate music online. Anyone can join the site for free, can go to the 'scouting room' and can listen, rate and review music tracks by unsigned artists.
Earning Money From Music Online
At Slice The Pie you will earn 3p for every 30 second clip of a track that you rate and review (simply leave a few lines reviewing the track). Although you are only earning 3p per track, this rate can be improved upon. The higher your own rank, the more money you will be able to earn per track. Your rank is dependant on the amount of tracks you listen to, and on the quality of your track reviews. There are currently 5 different levels ' 3p per track, 6p per track, 9p per track, 15p per track and 21p per track.
So on average, if you were to listen to, rate and review an average of 1.5 tracks per minute, at the lowest level you would be earning around '3 per hour. If you had the highest rating you could be earning around '20 per hour.
Receiving Your Payments
Slice The Pie payouts its members earnings currently only by Paypal. These earnings can be cashed in when you have around '10 in your account, which shouldn't take too long to accumulate.
The great thing about making money from Slice The Pie is that it can actually be a very enjoyable and addictive process. You get to listen to a variety of new, different music, get a chance to influence the music industry, have the chance of improving your own ranking as a music reviewer, and you are also getting paid at the same time! It is well worth joining if you want to earn a little extra money in your spare time.
27/01/09
PAID TO POSTING FORUM
Paid Forum Posting Jobs To Make Money Online
Being paid to post on website forums can be quite an easy activity, especially if it's on a forum which you already use, or if it's on a topic which is enjoyable to talk about and which is a subject that you are already knowledgeable in.
Usually when someone owns a website based on a specific topic, one of the best ways to promote the website would be to get in to a forum which is related to the same subject, and try and promote the website. Usually the only way to advertise on a forum is in the user's signature; a short piece of text that is automatically posted whenever someone makes an entry on a forum. Usually the signature will just contain a text link to that person's website, and maybe a short description of the site too.
Some people don't agree with paid forum posting, as it encourages people to just 'spam' related interest forums in the hope that it will give their website more visitors and more interest. A lot of the time when someone is paid to post in forums they will simply write short sentences, contributing nothing spectacular to the forum itself. This is to just increase their number of posts on that forum, so that they can finish the job quicker and easier without having to think about contributing something worthwhile to the discussion.
Another use of having your website link in a large amount of post signatures on forums is that sometimes when the search engines trawl through the forum data they will find plenty of website links to various sites, and this can help to increase your website page rank and its overall search engine ranking.
Paid forum posting usually pays per post, or per 100 posts made. The usual rate is around 10 pence per post made, so 100 posts would obviously earn you £10 which isn't too bad. Obviously this isn't going to make you rich any time soon, but it does serve as a nice little bit of extra cash on the side, especially if you are posting on a forum that you normally use ' if you spend your free time contributing to certain forums, then why not get paid for doing so?
The best place to find paid forum posting jobs is usually on webmaster forums. This is because most of these people own or have an interest in owning websites, and so they usually try and hire people to contribute to forums that are related to their website. Search Google for website owner forums or something similar, and have a look to see if anyone is hiring in any of the threads on the forum.
Being paid to post on website forums can be quite an easy activity, especially if it's on a forum which you already use, or if it's on a topic which is enjoyable to talk about and which is a subject that you are already knowledgeable in.
Usually when someone owns a website based on a specific topic, one of the best ways to promote the website would be to get in to a forum which is related to the same subject, and try and promote the website. Usually the only way to advertise on a forum is in the user's signature; a short piece of text that is automatically posted whenever someone makes an entry on a forum. Usually the signature will just contain a text link to that person's website, and maybe a short description of the site too.
Some people don't agree with paid forum posting, as it encourages people to just 'spam' related interest forums in the hope that it will give their website more visitors and more interest. A lot of the time when someone is paid to post in forums they will simply write short sentences, contributing nothing spectacular to the forum itself. This is to just increase their number of posts on that forum, so that they can finish the job quicker and easier without having to think about contributing something worthwhile to the discussion.
Another use of having your website link in a large amount of post signatures on forums is that sometimes when the search engines trawl through the forum data they will find plenty of website links to various sites, and this can help to increase your website page rank and its overall search engine ranking.
Paid forum posting usually pays per post, or per 100 posts made. The usual rate is around 10 pence per post made, so 100 posts would obviously earn you £10 which isn't too bad. Obviously this isn't going to make you rich any time soon, but it does serve as a nice little bit of extra cash on the side, especially if you are posting on a forum that you normally use ' if you spend your free time contributing to certain forums, then why not get paid for doing so?
The best place to find paid forum posting jobs is usually on webmaster forums. This is because most of these people own or have an interest in owning websites, and so they usually try and hire people to contribute to forums that are related to their website. Search Google for website owner forums or something similar, and have a look to see if anyone is hiring in any of the threads on the forum.
PAID TO WRITE ARTCLE ONLINE
Get Paid To Write Articles Online
Previously I have written about websites which pay you to write product reviews online. If this is something that you enjoy doing, it is probably worthwhile that you read this section about making money from writing articles online.
Currently millions of webmasters are looking to hire writers to help them out by creating content for their website, or for creating articles for promoting their website.
Website owners are often preaching about the saying 'content is king'. Though this phrase is very true, many webmasters find it hard to create this content due to other commitments (managing their website in general).
Therefore many website owners look to hire people to help write content for their site. Many of these website owners are willing to pay people on an article-produced basis ' paying a certain amount of money for every article that the writer is able to generate.
The typical rate for a 400 word article to be created seems to be around £5. Most website owners will be more than happy to hire someone who is interested/experienced in a certain subject to help them by creating content for their webpage. This is a win win situation for all parties involved. The website owner is desperate for content and is willing to pay someone to write this content. The writer is obviously interested in the subject of the website, and is going to get paid for writing articles.
Because it is usually webmasters and site owners that are looking to hire article writers, the best place to find content creation jobs is usually on webmaster forums (for obvious reasons). It is also recommended that you check out your local job advertisement websites (Craigslist, Gumtree, etc).
Being paid to write articles online can be a very lucrative job, and is especially worth doing if you enjoy writing. To start writing articles it is recommended that you have good knowledge of the English language, and are willing to work to short deadlines.
Before starting, it is worthwhile if you create some articles that can be used as a portfolio for your writing skills ' so that you can show potential employers to try and impress them, to urge them to hire you. It is also recommended that you have a Paypal account set up, or any other popular online-payment method. This is so that you can get easily paid for your writing work.
Being paid to write articles won't be the most lucrative job at first (you might start up on around £3 per 400 word article created), but once you build up a good reputation and have hopefully improved your writing skills you should be able to up the price that you charge. If you find you are an expert in a certain high-paying niche, then it would make sense that you can charge more money for your writing services.
Make sure you check the regional job listing sites as regularly as possible so that you don't miss out on any paid article writing jobs, and be sure to check out plenty of website-owner forums to find other paid writing jobs.
Paid Article Writing Job Websites
Digital Point Web Forum
Sign up to this webmaster forum for free, then log in and go to the "Buy, Sell or Trade" thread, then click on "Services" and then "Content Creation". Or after signing up to the forum for free, click this link to be taken directly to the paid content creation section Paid Content Creation. You can also get paid here for posting messages on forums and other basic jobs.
Webmaster Talk Forum >>http://forums.digitalpoint.com/forumdisplay.php?f=102
You can also sign up to this webmaster forum for free, then log in and go to the "Freelance jobs/Help wanted" thread, then click the "Freelance Writing Jobs" section. Alternatively, after signing up and logging in to the forum, click this link to be taken to the paid article writing section. Paid Content Creation. Again, you can also be paid for performing other basic online tasks in this section on the forum.
>>> http://www.webmaster-talk.com/freelance-writing-jobs
Previously I have written about websites which pay you to write product reviews online. If this is something that you enjoy doing, it is probably worthwhile that you read this section about making money from writing articles online.
Currently millions of webmasters are looking to hire writers to help them out by creating content for their website, or for creating articles for promoting their website.
Website owners are often preaching about the saying 'content is king'. Though this phrase is very true, many webmasters find it hard to create this content due to other commitments (managing their website in general).
Therefore many website owners look to hire people to help write content for their site. Many of these website owners are willing to pay people on an article-produced basis ' paying a certain amount of money for every article that the writer is able to generate.
The typical rate for a 400 word article to be created seems to be around £5. Most website owners will be more than happy to hire someone who is interested/experienced in a certain subject to help them by creating content for their webpage. This is a win win situation for all parties involved. The website owner is desperate for content and is willing to pay someone to write this content. The writer is obviously interested in the subject of the website, and is going to get paid for writing articles.
Because it is usually webmasters and site owners that are looking to hire article writers, the best place to find content creation jobs is usually on webmaster forums (for obvious reasons). It is also recommended that you check out your local job advertisement websites (Craigslist, Gumtree, etc).
Being paid to write articles online can be a very lucrative job, and is especially worth doing if you enjoy writing. To start writing articles it is recommended that you have good knowledge of the English language, and are willing to work to short deadlines.
Before starting, it is worthwhile if you create some articles that can be used as a portfolio for your writing skills ' so that you can show potential employers to try and impress them, to urge them to hire you. It is also recommended that you have a Paypal account set up, or any other popular online-payment method. This is so that you can get easily paid for your writing work.
Being paid to write articles won't be the most lucrative job at first (you might start up on around £3 per 400 word article created), but once you build up a good reputation and have hopefully improved your writing skills you should be able to up the price that you charge. If you find you are an expert in a certain high-paying niche, then it would make sense that you can charge more money for your writing services.
Make sure you check the regional job listing sites as regularly as possible so that you don't miss out on any paid article writing jobs, and be sure to check out plenty of website-owner forums to find other paid writing jobs.
Paid Article Writing Job Websites
Digital Point Web Forum
Sign up to this webmaster forum for free, then log in and go to the "Buy, Sell or Trade" thread, then click on "Services" and then "Content Creation". Or after signing up to the forum for free, click this link to be taken directly to the paid content creation section Paid Content Creation. You can also get paid here for posting messages on forums and other basic jobs.
Webmaster Talk Forum >>http://forums.digitalpoint.com/forumdisplay.php?f=102
You can also sign up to this webmaster forum for free, then log in and go to the "Freelance jobs/Help wanted" thread, then click the "Freelance Writing Jobs" section. Alternatively, after signing up and logging in to the forum, click this link to be taken to the paid article writing section. Paid Content Creation. Again, you can also be paid for performing other basic online tasks in this section on the forum.
>>> http://www.webmaster-talk.com/freelance-writing-jobs
PAID TO PLAY GAMES
Get Paid To Play Games Online And Make Money Playing Cash Games Online
There are hundreds of online gaming websites that allow people to compete against other people over the Internet, with the winner receiving a cash prize as a reward. Obviously it does cost to compete in these online cash games, and this is how you are able to make money from playing games online; the money used to play the game is passed on to the winner of the match, so therefore it pays to be good at playing these games.
get paid to play games
There are many different games to choose from, from playing games like backgammon and card based games, to playing simple shooting or driving games. You play the game directly on the game website, with no need to install any extra programs or software although you will need to have the latest version of Flash installed on your computer (most of the games are flash based, and if this isn't installed on your machine the game simply wont load on your computer).
get paid to play games online get paid to play games online
These online games are very simple and very addictive, and you can easily spend hours just trying to beat your personal score, or to try and win a cash prize. Obviously you won't make any money if you are no good at playing these games ' so practise makes perfect. Luckily most sites will let you play for free as you practise, so make sure if possible you play the game for free for as long as possible ' this eliminates the likelihood of you losing any games and losing any money. Make sure you have read the instructions and rules of the game completely, just so you understand any bonuses/secrets that are on offer during the game.
Make Money Playing Games Online
When you have practised playing at no risk for as long as possible, have a go at playing a low-risk cash game. Most games cost around 35 pence to play, and this will be when you compete directly against another online opponent. The person with the highest points score will win around 60 pence (the online games site will obviously take a cut first), and the loser will be 35 pence out of pocket. When you feel confident and are comfortable taking on other opponents, have a go at a different variation of the game that you are playing. Some games will charge about £1.50 to play, and there could be several entries with the winner receiving a prize fund of £70 and runner-up-prizes for the other entries who do well.
After reading this so far you might feel a little cheated; obviously if you are good at playing games online then you have a chance of winning some money, and this is the same with any kind of online games ' poker, backgammon, betting, etc. However, by using a cashback website you can actually be paid to play games online.
King.com - Onlinegames
How To Get Paid To Play Games Online Using Cashback Websites
Take an online games website like GameAccount. This is one of the biggest gaming websites around, with millions of users worldwide. To start playing games on here for cash you will need to make a cash deposit. The minimum cash deposit you can make here is £10. If you join a free cashback website and then click their link to join GameAccount, you can earn around £10 cash back. Therefore if you use the cashback site and join GameAccount, deposit the £10 and then start playing games on their website for real money, you will earn £10 from the cashback website ' meaning you are playing the games at absolutely no risk. Even if you lose all the games played with the £10 that you have deposited, you will still have the £10 cashback to fall back on ' so you have lost no money at all, and have gained hours of free online gaming. And
There are hundreds of online gaming websites that allow people to compete against other people over the Internet, with the winner receiving a cash prize as a reward. Obviously it does cost to compete in these online cash games, and this is how you are able to make money from playing games online; the money used to play the game is passed on to the winner of the match, so therefore it pays to be good at playing these games.
get paid to play games
There are many different games to choose from, from playing games like backgammon and card based games, to playing simple shooting or driving games. You play the game directly on the game website, with no need to install any extra programs or software although you will need to have the latest version of Flash installed on your computer (most of the games are flash based, and if this isn't installed on your machine the game simply wont load on your computer).
get paid to play games online get paid to play games online
These online games are very simple and very addictive, and you can easily spend hours just trying to beat your personal score, or to try and win a cash prize. Obviously you won't make any money if you are no good at playing these games ' so practise makes perfect. Luckily most sites will let you play for free as you practise, so make sure if possible you play the game for free for as long as possible ' this eliminates the likelihood of you losing any games and losing any money. Make sure you have read the instructions and rules of the game completely, just so you understand any bonuses/secrets that are on offer during the game.
Make Money Playing Games Online
When you have practised playing at no risk for as long as possible, have a go at playing a low-risk cash game. Most games cost around 35 pence to play, and this will be when you compete directly against another online opponent. The person with the highest points score will win around 60 pence (the online games site will obviously take a cut first), and the loser will be 35 pence out of pocket. When you feel confident and are comfortable taking on other opponents, have a go at a different variation of the game that you are playing. Some games will charge about £1.50 to play, and there could be several entries with the winner receiving a prize fund of £70 and runner-up-prizes for the other entries who do well.
After reading this so far you might feel a little cheated; obviously if you are good at playing games online then you have a chance of winning some money, and this is the same with any kind of online games ' poker, backgammon, betting, etc. However, by using a cashback website you can actually be paid to play games online.
King.com - Onlinegames
How To Get Paid To Play Games Online Using Cashback Websites
Take an online games website like GameAccount. This is one of the biggest gaming websites around, with millions of users worldwide. To start playing games on here for cash you will need to make a cash deposit. The minimum cash deposit you can make here is £10. If you join a free cashback website and then click their link to join GameAccount, you can earn around £10 cash back. Therefore if you use the cashback site and join GameAccount, deposit the £10 and then start playing games on their website for real money, you will earn £10 from the cashback website ' meaning you are playing the games at absolutely no risk. Even if you lose all the games played with the £10 that you have deposited, you will still have the £10 cashback to fall back on ' so you have lost no money at all, and have gained hours of free online gaming. And
Cashback Websites
Cashback Websites
Cashback websites are a great way of making (or saving) money online, for free. Lots of people don't realise that when you make a transaction on the Internet (purchase a product, apply for a credit card, make a bet, etc) you could be earning cashback - enabling you to save large amounts of cash on your shopping. You can earn cashback for performing various transactions - you can even get paid cashback when you open an online bank account, or apply for a magazine subscription, along with loads of other things
Shop Money is a well established UK based cashback website which offers one of the best rates of cashback currently possible. The site is very well designed and easy to use, and has thousands of members already using the site to earn cashback on their Internet shopping. Shop Money is completely free to join and use and is currently our favourite cashback website.
>>> http://www.shopmoney.co.uk/
Cashback websites are a great way of making (or saving) money online, for free. Lots of people don't realise that when you make a transaction on the Internet (purchase a product, apply for a credit card, make a bet, etc) you could be earning cashback - enabling you to save large amounts of cash on your shopping. You can earn cashback for performing various transactions - you can even get paid cashback when you open an online bank account, or apply for a magazine subscription, along with loads of other things
Shop Money is a well established UK based cashback website which offers one of the best rates of cashback currently possible. The site is very well designed and easy to use, and has thousands of members already using the site to earn cashback on their Internet shopping. Shop Money is completely free to join and use and is currently our favourite cashback website.
>>> http://www.shopmoney.co.uk/
GET PAID FOR REVIEW
Paid Review Websites: Get Paid To Write Product Reviews Online
Paid review sites are an excellent way to make money online for free. Paid review websites pay you to write product reviews on their websites; which contain a database of thousands of products. Simply write some feedback on the chosen product, upload it on the paid review site, get some people to read it and you will start making money
Paid review sites are an excellent way to make money online for free. Paid review websites pay you to write product reviews on their websites; which contain a database of thousands of products. Simply write some feedback on the chosen product, upload it on the paid review site, get some people to read it and you will start making money
24/01/09
MAKE MONEY REAL ESTATE
Real estate articles written by the most successful investors in the country! Interested in learning how to get started in no money down investment, foreclosure real estate, lease options, rehabs, quick flips, subject to? You'll find that training and a whole lot more.
Hundreds of real estate investing enthusiasts have told us these real estate investment articles are a "gold mine." So dig in and start mining...
Money-Making Ideas are ideas anyone can use immediately to solve a problem, increase profits, save money, or make money. You'll find a variety of no money down and creative investing ideas here.
We welcome any and all new ideas from other real estate investing pro's. If you have a tried-and-true idea you'd like to share, drop us a line. We give full credit to all published submissions.
Hundreds of real estate investing enthusiasts have told us these real estate investment articles are a "gold mine." So dig in and start mining...
Money-Making Ideas are ideas anyone can use immediately to solve a problem, increase profits, save money, or make money. You'll find a variety of no money down and creative investing ideas here.
We welcome any and all new ideas from other real estate investing pro's. If you have a tried-and-true idea you'd like to share, drop us a line. We give full credit to all published submissions.
HOW TO Repair Your Credit !
How to Repair Your Credit! ..
If you're struggling with debt, here are few steps you can take to repair or rebuild your credit on your own before accepting one of the many "debt consolidation" offers or resorting to bankruptcy.
STEP 1 :
1. Create a budget. Calculate your income and your expenditures. The best way to figure your expenses is to track your spending for 30 days. Find out how much money is going to waste for leisure activities and going out to eat. Then figure out how much money you can set aside each month to whittle down your debt. There is a lot of free budgeting software out there, just look.
2. Be aware of what's in your credit report. By federal law, you can get one copy of your credit report from each credit agency, (Equifax, Experian, and Trans Union), each year. You can get all three at once, or spread them out through the year. Go to the AnnualCreditReport.com website. The "free" offers on the web automatically enroll you in a monthly or annual program that costs money -- quite a lot for someone already in financial trouble.
* The most important thing to do with your credit reports is to review them for accuracy. It's tough enough paying for your own mistakes -- you don't need to be penalized for someone else's. (See Tips, below.)
* You can also quickly see the two biggest red flags creditors, (and employers, and insurance underwriters, and ...), look for: late or missed payments, (especially recent ones), and maxed-out credit lines.
3. Contact your creditors. Preferably not after months of harassing calls, but as soon as you realize you won't be able to make the requested payments. Most creditors are not as cut-throat as you think, and they will work with you to schedule smaller payments that fit your budget. After all, they'd much rather receive $20 payments for the next year than risk getting nothing in bankruptcy court. This is one of the places having a written budget can really pay off -- tell them you've worked out a budget, can afford to pay them $X, and offer to send them a copy of your budget. They're much more likely to accept your offer of lower payments if you can show good faith.
4. Get any agreement in writing. If you are able to negotiate lower payments, interest rates, or balance payoffs, request they send a letter confirming it. Having it in writing is your defense against changing minds, lost records, new management being more aggressive, or any number of other things. Once you pay off your debt, make sure you get a settlement letter and send a copy of it to the credit bureaus so they can update your credit report.
5. Cut up the cards. Even if you do nothing else, stop charging, and keep paying at least the minimum on everything. Eventually, you will get them all paid off. Keep one card available, but difficult to use, (e.g., put it in a bowl of water in the freezer), for those times when you have to have a credit card.
6. Keep some credit accounts open. Close no more than one or two every six months or so. A sudden burst of activity of any kind reflects poorly on your financial stability. When deciding which accounts to keep open, keep at least the one or two oldest accounts -- the third-biggest factor in your credit score is length of credit history. Having 5 accounts with zero balance on four and $500 on one lowers your credit risk, as opposed to 2 accounts with a $250 balance each.
7. Pay off your debts. Once you've decided how much you can pay against your debts, and negotiated any lowered payments, you must allocate that portion of your budget to each creditor. Pay the minimum (or agreed amount) to each and every creditor, every month, on time. Then pay any extra against the lowest outstanding balance. Each time you pay off your lowest balance, celebrate, then "snowball" your payments onto the lowest remaining balance. Total debt outstanding constitutes nearly one third of your credit score.
8. Get a secured credit card, if you don't have a traditional one, and need to build up your history. You're unlikely to be turned down for one because you supply the money up front as a collateral. If you deposit $300 with the bank, you'll have $300 credit limit on your secured card. Beware of the high interest rate and various fees often associated with a secured card. Pay in full, on time, every month to avoid most of those fees.
9. Join a credit union. They're more likely to give you loans in the future than a regular bank.
10. Make all payments on time. Don't arrange a lowered settlement amount you can't pay. It will only reflect badly on your credit. Payment history is the number one factor in your credit score -- over one third of your score.
11. Avoid bankruptcy if at all possible; it shows up on your credit for 10 years. Don't take the easy way out now, you'll pay for it later. It takes a lot more hard work and dedication to rebuild your credit than it does to declare bankruptcy, but you'll be glad you did.
TIPS :
* You can get negative items removed from your credit report if they are inaccurate or incomplete. Write to the credit bureaus and tell them that the items are inaccurate or incomplete and you want them removed. When you dispute a debt the credit report agency has 30 days to receive a response from the creditor to validate the debt. If after 30 days they do not receive a response the Credit reporting agency by law will remove the entry from your report. Remember there are three agencies, so you have to write to all three.
* You want to show that you are responsible with high balances, so you'll want to have high credit limits but a low balance. It actually helps to have a high balance that you've paid off.
* Get a loan from your Credit Union or Banking establishment, then immediately (that day) turn around and open up a savings account. Make payments on the loan from the savings account. DO NOT use the money for anything else! This will help improve your credit as you pay off the loan. Be advised, however, that the interest you pay on the loan will typically be larger than the interest earned on the savings account. Thus, toward the end of the loan, you will empty the savings account and still owe something. But if you can cover the difference, your credit score should be better as a result.
* Your credit report is your guideline. Each account on your credit report has a rating. A sample credit report will be provided to assist you with reading your report. The rating may change depending on the agency. A letter followed by a number indicates the type of account and the rating. If you have an account that is rated as an I1 that is an individual account that is paid on time. If you have an account that has a J1, that is a joint account. An I5 could mean trouble. Highlight everything that isn't a 1 and everything that is turned over to collections. Make a list on your computer from the lowest amount to the highest. Start with the lowest amount and either pay the debt or dispute it.
If you're struggling with debt, here are few steps you can take to repair or rebuild your credit on your own before accepting one of the many "debt consolidation" offers or resorting to bankruptcy.
STEP 1 :
1. Create a budget. Calculate your income and your expenditures. The best way to figure your expenses is to track your spending for 30 days. Find out how much money is going to waste for leisure activities and going out to eat. Then figure out how much money you can set aside each month to whittle down your debt. There is a lot of free budgeting software out there, just look.
2. Be aware of what's in your credit report. By federal law, you can get one copy of your credit report from each credit agency, (Equifax, Experian, and Trans Union), each year. You can get all three at once, or spread them out through the year. Go to the AnnualCreditReport.com website. The "free" offers on the web automatically enroll you in a monthly or annual program that costs money -- quite a lot for someone already in financial trouble.
* The most important thing to do with your credit reports is to review them for accuracy. It's tough enough paying for your own mistakes -- you don't need to be penalized for someone else's. (See Tips, below.)
* You can also quickly see the two biggest red flags creditors, (and employers, and insurance underwriters, and ...), look for: late or missed payments, (especially recent ones), and maxed-out credit lines.
3. Contact your creditors. Preferably not after months of harassing calls, but as soon as you realize you won't be able to make the requested payments. Most creditors are not as cut-throat as you think, and they will work with you to schedule smaller payments that fit your budget. After all, they'd much rather receive $20 payments for the next year than risk getting nothing in bankruptcy court. This is one of the places having a written budget can really pay off -- tell them you've worked out a budget, can afford to pay them $X, and offer to send them a copy of your budget. They're much more likely to accept your offer of lower payments if you can show good faith.
4. Get any agreement in writing. If you are able to negotiate lower payments, interest rates, or balance payoffs, request they send a letter confirming it. Having it in writing is your defense against changing minds, lost records, new management being more aggressive, or any number of other things. Once you pay off your debt, make sure you get a settlement letter and send a copy of it to the credit bureaus so they can update your credit report.
5. Cut up the cards. Even if you do nothing else, stop charging, and keep paying at least the minimum on everything. Eventually, you will get them all paid off. Keep one card available, but difficult to use, (e.g., put it in a bowl of water in the freezer), for those times when you have to have a credit card.
6. Keep some credit accounts open. Close no more than one or two every six months or so. A sudden burst of activity of any kind reflects poorly on your financial stability. When deciding which accounts to keep open, keep at least the one or two oldest accounts -- the third-biggest factor in your credit score is length of credit history. Having 5 accounts with zero balance on four and $500 on one lowers your credit risk, as opposed to 2 accounts with a $250 balance each.
7. Pay off your debts. Once you've decided how much you can pay against your debts, and negotiated any lowered payments, you must allocate that portion of your budget to each creditor. Pay the minimum (or agreed amount) to each and every creditor, every month, on time. Then pay any extra against the lowest outstanding balance. Each time you pay off your lowest balance, celebrate, then "snowball" your payments onto the lowest remaining balance. Total debt outstanding constitutes nearly one third of your credit score.
8. Get a secured credit card, if you don't have a traditional one, and need to build up your history. You're unlikely to be turned down for one because you supply the money up front as a collateral. If you deposit $300 with the bank, you'll have $300 credit limit on your secured card. Beware of the high interest rate and various fees often associated with a secured card. Pay in full, on time, every month to avoid most of those fees.
9. Join a credit union. They're more likely to give you loans in the future than a regular bank.
10. Make all payments on time. Don't arrange a lowered settlement amount you can't pay. It will only reflect badly on your credit. Payment history is the number one factor in your credit score -- over one third of your score.
11. Avoid bankruptcy if at all possible; it shows up on your credit for 10 years. Don't take the easy way out now, you'll pay for it later. It takes a lot more hard work and dedication to rebuild your credit than it does to declare bankruptcy, but you'll be glad you did.
TIPS :
* You can get negative items removed from your credit report if they are inaccurate or incomplete. Write to the credit bureaus and tell them that the items are inaccurate or incomplete and you want them removed. When you dispute a debt the credit report agency has 30 days to receive a response from the creditor to validate the debt. If after 30 days they do not receive a response the Credit reporting agency by law will remove the entry from your report. Remember there are three agencies, so you have to write to all three.
* You want to show that you are responsible with high balances, so you'll want to have high credit limits but a low balance. It actually helps to have a high balance that you've paid off.
* Get a loan from your Credit Union or Banking establishment, then immediately (that day) turn around and open up a savings account. Make payments on the loan from the savings account. DO NOT use the money for anything else! This will help improve your credit as you pay off the loan. Be advised, however, that the interest you pay on the loan will typically be larger than the interest earned on the savings account. Thus, toward the end of the loan, you will empty the savings account and still owe something. But if you can cover the difference, your credit score should be better as a result.
* Your credit report is your guideline. Each account on your credit report has a rating. A sample credit report will be provided to assist you with reading your report. The rating may change depending on the agency. A letter followed by a number indicates the type of account and the rating. If you have an account that is rated as an I1 that is an individual account that is paid on time. If you have an account that has a J1, that is a joint account. An I5 could mean trouble. Highlight everything that isn't a 1 and everything that is turned over to collections. Make a list on your computer from the lowest amount to the highest. Start with the lowest amount and either pay the debt or dispute it.
23/01/09
Step 3* Building Traffic
After you have product or service then you building completed.
Now you must have traffic.
You site can't life if there is no visitor to your site.
You must doing something to make traffic.
Traffic is your life. This a few step how to make traffic.
You buy ads or baner or PPC on the net. It's the instant traffic but you need money much for do it.
Do you want free traffic?
easy man..
1. Going to yahoogroups. Join there are psoting your site.
2. Enter you ads in free ads program.
3. Visit the other website that you interest and posting your site there
4. Etc...
5. Don't make SPAM
Now you must have traffic.
You site can't life if there is no visitor to your site.
You must doing something to make traffic.
Traffic is your life. This a few step how to make traffic.
You buy ads or baner or PPC on the net. It's the instant traffic but you need money much for do it.
Do you want free traffic?
easy man..
1. Going to yahoogroups. Join there are psoting your site.
2. Enter you ads in free ads program.
3. Visit the other website that you interest and posting your site there
4. Etc...
5. Don't make SPAM
Step 2* Building Website
If you want to make big money from internet or you want life from internet, you need to building website. Without it you can't get anything from internet.
How to building website?
Easy- You must building website can be selling for your product or your service.
Must be have website with direct selling system.
Do yo know how to built it?
Basic website is html system.
But for interactive site or commerce site we need interactive site that can selling.
I always using PHP script system.
That you now how to built php script? easy man, use the other people brain like me.
But you can buy from any site that have this service!
How to building website?
Easy- You must building website can be selling for your product or your service.
Must be have website with direct selling system.
Do yo know how to built it?
Basic website is html system.
But for interactive site or commerce site we need interactive site that can selling.
I always using PHP script system.
That you now how to built php script? easy man, use the other people brain like me.
But you can buy from any site that have this service!
Step 1* How To make Online Product !
Make online is very easy.
Just A few simple.
Make survey whether your product "nice'
- Nice mean - many people from around the world are interest with your product.
- Your product have any related with internet.
- Your product can be get instant download or use on the net.
Example if you see what kind business that can't die on the net.
Right - like web and hosting provider is the better product can't die or never die from internet.
The other product you can sell on the net is e-book and software.
Many people do it and they make a big money. You can contact me if you need more info if you have any problem with this step
Just A few simple.
Make survey whether your product "nice'
- Nice mean - many people from around the world are interest with your product.
- Your product have any related with internet.
- Your product can be get instant download or use on the net.
Example if you see what kind business that can't die on the net.
Right - like web and hosting provider is the better product can't die or never die from internet.
The other product you can sell on the net is e-book and software.
Many people do it and they make a big money. You can contact me if you need more info if you have any problem with this step
22/01/09
Easy Money Forex
Way to make money From Forex Market
A few step how to make money from Forex Market. Every people can earn profit from forex market. Just Follow the market rules
Forex Marke is Capital market. Biggest market from around the world. Start from asia, USA, UK, New zaeland.
You can make big money if you understand how to trade with forex market.
Its simple way. Buy or Sell . You can see here how easy to profit in forex market.
A few step how to make money from Forex Market. Every people can earn profit from forex market. Just Follow the market rules
Forex Marke is Capital market. Biggest market from around the world. Start from asia, USA, UK, New zaeland.
You can make big money if you understand how to trade with forex market.
Its simple way. Buy or Sell . You can see here how easy to profit in forex market.
20/01/09
How to make Money BIG MONEY Online
You will be success on the internet if you have key to big money there.
Don't scare to invest your money or buy some formula for you to increase
you capability about internet business.
Why you need waiting to make money from internet if you can do now.
Just do it :
1. You need Product
2. You need to building website
3. You need traffic
This is the best formula for you to make money online
We must have product or service we offer on the net to make it happen.
After you have product you must building website. Used to selling your product
After that you must making traffic
This is main formula to make money online. Just follow it and you will make money and earn big money :
Don't scare to invest your money or buy some formula for you to increase
you capability about internet business.
Why you need waiting to make money from internet if you can do now.
Just do it :
1. You need Product
2. You need to building website
3. You need traffic
This is the best formula for you to make money online
We must have product or service we offer on the net to make it happen.
After you have product you must building website. Used to selling your product
After that you must making traffic
This is main formula to make money online. Just follow it and you will make money and earn big money :
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