PUTTING GOOGLE ADSENSE CODE IN YOUR BLOG

For those using blogger, to put google adsense in your blog, do this:

1. Go to blogger.com, login to your blog

2. When the dashboard opens, click on layout.

3. when it opens, an 'add a gadget' tag will be there, click on it.

4. after clicking, a new page will open up and click on add HTML

5. Then insert the adsense code hich you have collected from the adsense site(www.google.com/adsense).

PAID TO READ EMAILS

Companies in the corporate world want to publisizeand sell their products and services, so they pay for adverts to these paidemail sites. on registering with these sites for free, you are sent emails containing links. on clicking one of these links, the advert page opens up.
On the part of the GPTR(GET PAID TO READ) sites, they pay you a commision for reading those mails, which is deposited in your account until you get to the minimum payout level.

HOW TO EARN.
1. open the email sent to you.
2. click on the message
3. when reading the ad, a timer will be seen in the topmost left hand corner of your screen informing how much time you will spend.

BENEFITS.
1. you may open limitless number of accounts
2. you choose your method of payments.

for more info, call 07036459996

PAID TO CARRYOUT SURVEYS

SURVEYS.
It is the provison of opinions on subject/topics through coupons, questionnaries e.t.c Online surveys come in divese forms and time limit. Some take about 15-30 minutes while others could take longer. You may get paid,say $5 - $15 just for taking a survey that doesn't take more than 30 minutes.


HOW IT WORKS.
Big Organisation that need a market for their product; feasibility studies; market trends; customer information and interest etc pay huge sums of monies to these survey companies to carryout surveys on their behalf. The survey companies then pay you a commission for helping out.


SIGNING UP.
To sign up with a survey program is a little bit tasking. You are required to supply more personal infomation usually pages opens up in sequences as you fill up the online forms.You need to specify on the area of specializtion


CLAIMING YOUR EARNINGS.
The checks are sent to the address submitted in your forms which is then cashed in nigeria.

for more info, call 07036459996

SURVEYS.
It is the provison of opinions on subject/topics through coupons, questionnaries e.t.c Online surveys come in divese forms and time limit. Some take about 15-30 minutes while others could take longer. You may get paid,say $5 - $15 just for taking a survey that doesn't take more than 30 minutes.

HOW IT WORKS.
Big Organisation that need a market for their product; feasibility studies; market trends; customer information and interest etc pay huge sums of monies to these survey companies to carryout surveys on their behalf. The survey companies then pay you a commission for helping out.

SIGNING UP.
To sign up with a survey program is a little bit tasking. You are required to supply more personal infomation usually pages opens up in sequences as you fill up the online forms.You need to specify on the area of specializtion

CLAIMING YOUR EARNINGS.
The checks are sent to the address submitted in your forms which is then cashed in nigeria.

SURVEY SERVICES.
1. www.globaltestmarket.com - They pay you in the equivalence of your local currency.
2. www.surveysavvy.com - They offer a worldwide service and pay well. etc

Wealth - Discover the Absolute Fastest, Easiest Way to Make Money

When talking about wealth, they say that it takes money to make money. In some respects, that is true. However, when you are able to borrow 95% of what you need (and sometimes even more) to "buy" a money making asset that you control then it doesn't take too much money to make a LOT of money.

I know that doesn't make too much sense at the moment but follow along with me. It will become crystal clear soon. And I will use a real-life example that will explain how you can build a considerable wealth base very quickly.

I am talking about the wealth principle known in financial circles as "leveraging." That is, using a relatively small amount of money to control a large amount of money or, in the case I am about to show you, a large asset.

Let's say that you were able to purchase a relatively cheap property - a small apartment by using a 5% deposit. Don't worry too much about the exact details at the moment just follow my line of thinking. Let's say that the apartment was purchased for $140,000. That would mean that you need a deposit of $7,000.

Let's also say that the apartment was well located but that it was a bit "run down." You buy it, clean it, paint it, do a few minor repairs and maybe put new carpet in it. You add value by doing these inexpensive things. They are mostly "cosmetic" improvements. These quick improvements can easily add $10,000 worth (often more) of value very quickly.
To do these things might cost another $3,000. So, all up, your investment is $10,000. Now, like I said, don't get caught up in the details. What I want to do is explain the principle of how it works.

Along the way I'll show you the basic mathematics.
Summarizing this so far:
(a) Initial purchase price = $140,000
(b) Your deposit = $7,000
(c) Mortgage to the bank = $133,000 (a minus b)
(d) Minor improvements = $3,000
(e) Your total investment = $10,000 (b plus d)

Now, if you decide to live in this apartment then you will not have to pay rent to anybody else. That would be an immediate saving to you - no DEAD money. You will pay a monthly mortgage repayment on a property that is yours (and the banks!). Depending on interest rates the mortgage payments could amount to, say, $800 per month.

If you rent the apartment out to somebody else then whatever rent you get will offset most of the mortgage. Let's say you receive $600 rent per month. That means that you only need to come up with $200 per month (plus taxes and utility costs) to "hold" the property in your name.
Now, here is where it gets interesting and highly profitable. Let's say that 12 months pass. Let's say that you decide to sell the property. You accept a $200,000 offer. You sell. You don't have to but you decide to sell.

After the mortgage is discharged to the bank, you receive most of the balance. That is $67,000. Out of that amount will probably be a real estate agent's selling commission. Let's say $7,000. That leaves you with $60,000.

Now remember that you only invested $10,000. Your profit is therefore $50,000. Naturally, the government will want to tax you on this amount (only if you sell). Perhaps they will take $15,000 off you. You are left with $35,000.

The result is that you have used just $10,000 to make an extra $35,000. That is a 350% return on your investment (ROI). Where else could you make such a proportionately large amount so fast and so easy? Let's face it, apart from the initial tidy up, pretty much you did nothing more.
You think this can't be done? It can. I did it. These are roughly the figures that were mine on a little place I bought and sold for a quick profit. Yes, there were a few more variables but, essentially, that was the deal.

Oh, I can almost hear you say "I don't have $10,000 to do this!" Well, find a good partner then you will only need $5,000. The ROI will be the same - 350% (profit $17,500 on $5,000 investment). After you have done it once in partnership you will have the money and the experience to do it again.

You should seek professional advice on this. However, knowing how conservative such "professional" advice is you will probably be advised against it. Like I said, I did it. I have shown colleagues how to do it. I showed my adult children how to do it. We all made money. We all increased our wealth bases.

This is the fastest and easiest way to make money because not only are you leveraging money, you are also leveraging time. You may decide to keep the property rather than sell it. That is also a good wealth building strategy because the bank will allow you to borrow more money against your equity (the percentage that you own) Also, if you do not sell you do not have to pay income tax so you get to "use" all of the equity. (in the case above $200,000 minus $133,000 = $67,000)

Investigate this money-making, wealth building method more fully for yourself. Knowledge will give you power. Boldness will let you make money. You never get anywhere by doing nothing. Never stop learning. That is the real key.

HOW TO MAKE WEALTH

If you wanted to get rich, how would you do it? I think your best bet would be to start or join a startup. That's been a reliable way to get rich for hundreds of years. The word "startup" dates from the 1960s, but what happens in one is very similar to the venture-backed trading voyages of the Middle Ages.

Startups usually involve technology, so much so that the phrase "high-tech startup" is almost redundant. A startup is a small company that takes on a hard technical problem.Lots of people get rich knowing nothing more than that. You don't have to know physics to be a good pitcher. But I think it could give you an edge to understand the underlying principles. Why do startups have to be small? Will a startup inevitably stop being a startup as it grows larger? And why do they so often work on developing new technology? Why are there so many startups selling new drugs or computer software, and none selling corn oil or laundry detergent?

The PropositionEconomically, you can think of a startup as a way to compress your whole working life into a few years. Instead of working at a low intensity for forty years, you work as hard as you possibly can for four. This pays especially well in technology, where you earn a premium for working fast.

Here is a brief sketch of the economic proposition. If you're a good hacker in your mid twenties, you can get a job paying about $80,000 per year. So on average such a hacker must be able to do at least $80,000 worth of work per year for the company just to break even. You could probably work twice as many hours as a corporate employee, and if you focus you can probably get three times as much done in an hour.

[1] You should get another multiple of two, at least, by eliminating the drag of the pointy-haired middle manager who would be your boss in a big company. Then there is one more multiple: how much smarter are you than your job description expects you to be? Suppose another multiple of three. Combine all these multipliers, and I'm claiming you could be 36 times more productive than you're expected to be in a random corporate job.

[2] If a fairly good hacker is worth $80,000 a year at a big company, then a smart hacker working very hard without any corporate bullshit to slow him down should be able to do work worth about $3 million a year.Like all back-of-the-envelope calculations, this one has a lot of wiggle room. I wouldn't try to defend the actual numbers. But I stand by the structure of the calculation. I'm not claiming the multiplier is precisely 36, but it is certainly more than 10, and probably rarely as high as 100.If $3 million a year seems high, remember that we're talking about the limit case: the case where you not only have zero leisure time but indeed work so hard that you endanger your health.Startups are not magic.

They don't change the laws of wealth creation. They just represent a point at the far end of the curve. There is a conservation law at work here: if you want to make a million dollars, you have to endure a million dollars' worth of pain. For example, one way to make a million dollars would be to work for the Post Office your whole life, and save every penny of your salary. Imagine the stress of working for the Post Office for fifty years. In a startup you compress all this stress into three or four years. You do tend to get a certain bulk discount if you buy the economy-size pain, but you can't evade the fundamental conservation law. If starting a startup were easy, everyone would do it.Millions, not BillionsIf $3 million a year seems high to some people, it will seem low to others. Three million? How do I get to be a billionaire, like Bill Gates?So let's get Bill Gates out of the way right now. It's not a good idea to use famous rich people as examples, because the press only write about the very richest, and these tend to be outliers.

Bill Gates is a smart, determined, and hardworking man, but you need more than that to make as much money as he has. You also need to be very lucky.There is a large random factor in the success of any company. So the guys you end up reading about in the papers are the ones who are very smart, totally dedicated, and win the lottery. Certainly Bill is smart and dedicated, but Microsoft also happens to have been the beneficiary of one of the most spectacular blunders in the history of business: the licensing deal for DOS. No doubt Bill did everything he could to steer IBM into making that blunder, and he has done an excellent job of exploiting it, but if there had been one person with a brain on IBM's side, Microsoft's future would have been very different. Microsoft at that stage had little leverage over IBM.

They were effectively a component supplier. If IBM had required an exclusive license, as they should have, Microsoft would still have signed the deal. It would still have meant a lot of money for them, and IBM could easily have gotten an operating system elsewhere.Instead IBM ended up using all its power in the market to give Microsoft control of the PC standard. From that point, all Microsoft had to do was execute. They never had to bet the company on a bold decision. All they had to do was play hardball with licensees and copy more innovative products reasonably promptly.If IBM hadn't made this mistake, Microsoft would still have been a successful company, but it could not have grown so big so fast. Bill Gates would be rich, but he'd be somewhere near the bottom of the Forbes 400 with the other guys his age.There are a lot of ways to get rich, and this essay is about only one of them. This essay is about how to make money by creating wealth and getting paid for it.

There are plenty of other ways to get money, including chance, speculation, marriage, inheritance, theft, extortion, fraud, monopoly, graft, lobbying, counterfeiting, and prospecting. Most of the greatest fortunes have probably involved several of these.The advantage of creating wealth, as a way to get rich, is not just that it's more legitimate (many of the other methods are now illegal) but that it's more straightforward. You just have to do something people want.Money Is Not WealthIf you want to create wealth, it will help to understand what it is. Wealth is not the same thing as money.

[3] Wealth is as old as human history. Far older, in fact; ants have wealth. Money is a comparatively recent invention.Wealth is the fundamental thing. Wealth is stuff we want: food, clothes, houses, cars, gadgets, travel to interesting places, and so on. You can have wealth without having money. If you had a magic machine that could on command make you a car or cook you dinner or do your laundry, or do anything else you wanted, you wouldn't need money. Whereas if you were in the middle of Antarctica, where there is nothing to buy, it wouldn't matter how much money you had.Wealth is what you want, not money. But if wealth is the important thing, why does everyone talk about making money? It is a kind of shorthand: money is a way of moving wealth, and in practice they are usually interchangeable. But they are not the same thing, and unless you plan to get rich by counterfeiting, talking about making money can make it harder to understand how to make money.

Money is a side effect of specialization. In a specialized society, most of the things you need, you can't make for yourself. If you want a potato or a pencil or a place to live, you have to get it from someone else.How do you get the person who grows the potatoes to give you some? By giving him something he wants in return. But you can't get very far by trading things directly with the people who need them. If you make violins, and none of the local farmers wants one, how will you eat?The solution societies find, as they get more specialized, is to make the trade into a two-step process. Instead of trading violins directly for potatoes, you trade violins for, say, silver, which you can then trade again for anything else you need.

The intermediate stuff-- the medium of exchange-- can be anything that's rare and portable. Historically metals have been the most common, but recently we've been using a medium of exchange, called the dollar, that doesn't physically exist. It works as a medium of exchange, however, because its rarity is guaranteed by the U.S. Government.The advantage of a medium of exchange is that it makes trade work. The disadvantage is that it tends to obscure what trade really means. People think that what a business does is make money. But money is just the intermediate stage-- just a shorthand-- for whatever people want. What most businesses really do is make wealth. They do something people want.

[4]The Pie Fallacy
surprising number of people retain from childhood the idea that there is a fixed amount of wealth in the world. There is, in any normal family, a fixed amount of money at any moment. But that's not the same thing.When wealth is talked about in this context, it is often described as a pie. "You can't make the pie larger," say politicians. When you're talking about the amount of money in one family's bank account, or the amount available to a government from one year's tax revenue, this is true. If one person gets more, someone else has to get less.I can remember believing, as a child, that if a few rich people had all the money, it left less for everyone else.

Many people seem to continue to believe something like this well into adulthood. This fallacy is usually there in the background when you hear someone talking about how x percent of the population have y percent of the wealth. If you plan to start a startup, then whether you realize it or not, you're planning to disprove the Pie Fallacy.What leads people astray here is the abstraction of money.

Money is not wealth. It's just something we use to move wealth around. So although there may be, in certain specific moments (like your family, this month) a fixed amount of money available to trade with other people for things you want, there is not a fixed amount of wealth in the world. You can make more wealth. Wealth has been getting created and destroyed (but on balance, created) for all of human history.Suppose you own a beat-up old car. Instead of sitting on your butt next summer, you could spend the time restoring your car to pristine condition. In doing so you create wealth. The world is-- and you specifically are-- one pristine old car the richer. And not just in some metaphorical way. If you sell your car, you'll get more for it.In restoring your old car you have made yourself richer. You haven't made anyone else poorer. So there is obviously not a fixed pie. And in fact, when you look at it this way, you wonder why anyone would think there was.

[5]Kids know, without knowing they know, that they can create wealth. If you need to give someone a present and don't have any money, you make one. But kids are so bad at making things that they consider home-made presents to be a distinct, inferior, sort of thing to store-bought ones-- a mere expression of the proverbial thought that counts. And indeed, the lumpy ashtrays we made for our parents did not have much of a resale market.

How To Be a Millionaire On Minimum Wage

Minimum wage earners keep complaining about their salary. They say they cannot retire rich. Most of them just go through their work and retire relying only on their small SSS pension and the little retirement that their company will be giving them.

For most minimum wage earners, becoming a millionaire when they retire is quite an impossible dream. They contend that they can only be a millionaire if they receive a hefty sum of retirement money from their company.

Is it really possible to achieve millionaire status by your own efforts alone ? (Humanly speaking) Let us consider this actually scenario.

In the Philippines, Central Visayas Region, the current minimum wage is P 241.00. Multiply it by 26 days of work you get P 6,266.00.

Let’s just say that you are 30 years old and you faithfully saved that P 266.00 per month and spent the rest of the P 6,000.00, that would amount to P 3,192.00 per year

Do the math. If you put that P 3,192.00 in an investment vehicle that would give you 10 % interest per month in interest (compounded), do you know how much your money would become in 30 years, that would be P 1,052,001.00. If you started this kind of savings program when you were 30 years old you will retire a millionaire at 60 years old by your own savings program alone, add to that the retirement benefits from your company, your monthly pension from the SSS and your PAGIBIG “savings.”

What if you decided to add another P 500.00 in your monthly investment and invest P 766.00 instead? This would amount to P 9,192.00 per year and at the end of 30 years it would amount to a whopping amount of P 3,029,447.00 (At 10 % interest per year compounded)

Perhaps later on you would increase your savings to P 1,766.00 a month if you receive a salary increase. If you do that even on the 10th year after you start saving only P 266.00 a month, you will retire with P 4,472,777.00.

The growth of your money is possible because of what we know in the world of finance as the Rule of 72.

Albert Einstein’s greatest discovery was not the theory of relativity, it was the Rule of 72. (Although some people say that the rule existed long before he was born, most would agree however that he has popularized it)

What has the Rule of 72 have to do with investing and growing your money ?

Basically knowledge of the Rule of 72 is the basic building block of learning that each budding investor should have.

Simply stated the Rule of 72 helps you determine the following:

1.) What interest rate you should avail of in order for your money to double quickly.
2.) How many years does it take for your money to double.

In a nutshell the Rule of 72 is stated as follows:

72 divided by interest rate return = No. of years it takes for your money to double.

So, if you put P 100,000.00 in a bank account, it will take 72 years for your money to become P 200,000.00 since the bank only offers a 1 % percent interest rate. (72 divided 1 = 72)

Let’s say you get a little wise and you put your P 100,000.00 in a time deposit account it will take 18 years in order for your money to become P 200,000.00 (72 divided by 4 = 18)

Basically the higher the interest rate the less number of years your money will it take for your money to double.

So if you put your P 100,000.00 in an instrument that would give you a 12 % interest rate it will only take 6 years for your money to double (72 divided by 12 = 6)

However take note that the Rule of 72 is more accurate with lower interest, the higher the interest rate rises the more inaccurate it becomes. (An example of this is that if you earn have P 100.00 an invest it in an instrument at 72 % interest rate per year according to the Rule of 72 your money will become P 200.00 in 1 year. However this is not entirely accurate since you will need a 100 % interest rate in order for it to become P 200.00 in 1 year time)

Interested in how many years would it take for your money to TRIPLE and what should be the interest rate that you should avail of? then you should use the Rule of 115. It works basically the same way as the Rule of 72, just substitute 72 with 115.

Earning the minimum wage ? No problem with the Rule of 72, You could be a millionaire !

Checklist for a Perfect Money Making System.

It must be extremely cheap to start up!

High priced money making programs may look attractive, but who really has thousands of dollars spare to join them? The people that really need to make money, don't have any to waste on expensive programs.

It needs to give a high return!

Just because it's low cost to start up, it still needs to provide the same income potential as the high priced money making systems. (Our system can turn a tiny $25 into tens of thousands of dollars - FAST)

It needs to provide residual income!

It needs to utilise leverage, so that you can make money even after you've stopped working. You have to be able to profit exponentially off other peoples efforts. Working smart not hard.
It needs to be hands free & automated!

Any system will fail if it requires you to constantly find new customers & be involved in the running of a business. Our system has no products & no customers & it can continue to work and send you an increasing amount of money automatically, week after week - even after you stop using it. That's real automation.

It needs to be immune to competition!

Most money making programs get harder and less profitable as more people join, because everyone ends up competing against each other. The Cash Leveraging System actually works BETTER as more people join because new members do not compete against you....they actually help build your income for you.