Money Saving Tip For Car Insurance Save Money Now

on October 28, 2011 · Leave a Comment

Save Money on Your Car Insurance Save Your Money Now

There is too many reason you have to save your money from car insurance, because it costs your household too much for each month just paying for nothing if you do not have any car accident.  And this is why you need to use different way legal to save your payment to the car insurance.  And of course car insurance is needed for driving in most of the states in the US, so you cannot save money by nothing buying a car insurance or you will end up get a ticket if a police catch you.

Shop Around for a Good Low Price

Just like you may shop around to buy a pork butt for dinner or a gallon of milk for breakfast, you should always shop around for a lower price car insurance for your driving need.  That is too many auto insurance company or agent will work to gain you to be their customer from the insurance company you are hiring.  Therefore, you should shop around by calling or online for a car insurance with a lower price.

Combine Your House or Renter Insurance with Your Car Insurance

Everybody has a place to live unless a homeless person, and this is how you can save your car insurance with a combination offer from your insurance company.  Most insurance company would offer a deep discount for car insurance if you combine your house or renter insurance with your car insurance.  And this is your great way to save but be sure your will ask for that because some agent will not tell you about this discount.

Got a Good Grade?  Save Money Now

If you or your partner is still in the school or college, you may be eligible for the good student discount that most insurance company would provide.  Even though you may think a person with good grade does not mean he/she is a good driver, but this is a good way to save with this discount.

Be a Responsible Person and Save

Do you know your car insurance cost would go up if you have a bad credit?  Being financial responsible will help you save money on car insurace.  Of course, you should also be a good responsible driver and also being accident-free will save you even more money.

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Written by willchutah
Now I am a beginner on writing just like a skiier on ski on the gentle ground, next year I will jump out from a mountain

Categories: Insurance - Tags: , , ,

Making Money With Animals

on October 23, 2011 · Leave a Comment

It’s an unfortunate reality that many persons work just to receive a pay cheque, as they find their regular nine-to-five jobs tedious and unfulfilling. Before the industrial revolution ushered in the concept of paid task labour, workers used to get satisfaction from earning from professions that suited their personalities and natural talents.

Although our modern-day economy doesn’t readily allow all employees to achieve their dream occupations, it’s still possible to successfully turn a hobby into a means of earning money. I like to encourage persons who are searching for part-time income opportunities to look for ways to profit from their passions and pastimes.

One leisure pursuit that can lead to a very rewarding income source is taking care of animals. If you find pleasure from working with members of the animal kingdom, then you might find one of the following alternatives appealing.

Ornamental Fish Rearing

Decorative fish are not only exquisite to look at, they are big business. There is an increasing demand for ornamental fish, not just for local enthusiasts, but for the export market. Improvements in fish-rearing technology now allow you to raise fish cost-effectively in a relatively small space. Contact the Jamaica Ornamental Fish Farmers Association at the Fisheries Division of the Ministry of Agriculture if you need to learn more about this opportunity.

Exotic Bird Rearing

Raising beautiful birds is another prospective source of part-time revenue. With more persons living in apartments and confined spaces, the desire for small pets is growing. Birds are usually appealing to children, so they also make great gifts. Some exotic birds such as parrots are protected under Jamaican laws, so be careful to research the relevant legislations and follow the established practices that govern bird rearing.

Dog Breeding

It seems that Jamaicans are eagerly embracing the dog-loving culture of our North American neighbours, and this development opens up several income-generating possibilities. No longer satisfied with the basic mongrel variety, many dog aficionados are demanding quality breeds and are willing to pay top dollar for them. If you would like to turn your love for raising dogs into a means of earning extra money, you can get more details from the Jamaica Kennel Club at http://www.kennelclub.com.jm.

Obedience Training

Fans of the hit National Geographic television show, The Dog Whisperer will realise the tremendous earning possibilities available for talented dog trainers. Whether they are playful pint-sized pooches or aggressive attack animals, it appears that many pet dogs need to be properly socialised to behave appropriately. If you instinctively communicate well with animals, then obedience training might be an exciting option for you.

Dog Grooming

While dog lovers may enjoy the company of their pets, the extra work involved in grooming them may definitely be outsourced to others. In fact, some businesses make a fortune catering to the hygiene needs of pampered animals. Even if you don’t have specialised training in trimming and sprucing up fancy dogs, you can still participate in this process by offering a dog-bathing service to friends, neighbours and elderly dog owners.

Pet Supplies

Surfing the Internet for pet supply stores will reveal a wide array of items that have been created to make animals’ lives more pleasurable. Whether you agree with these frivolous shopping choices or not, the reality is that there is a market for supplying some of these products to dedicated pet-owners. With some creativity, you could even design and produce some of these pet gadgets locally.

Animal Shows

The entertainment options at most children’s birthday parties tend to be very similar – inflated bounce-a-bouts and standard clown acts. If you have a pet whose quirks and actions usually bring joy to youngsters, how about creating a unique animal act? An exotic bird that talks or a dog that does cute tricks might provide you with a very engaging performance and an entertaining way to earn.

Pet Photography

Pets bring a lot of satisfaction to their owners, and many people form deep bonds with their animals. Some persons treat their pets just like children, and would be happy to preserve the memories of their pets for posterity. If you have a knack for photography and a little patience, you could provide a pet portrait service. Look for an online source for picture frames, key rings and other memorabilia that would complement your photos.

Pet Sitting / Boarding

One of the challenges for owners whose animals become part of their families is how to care for their pets when they have to leave home for long periods. Some house dogs even get agitated when their owners go off to work! Why not offer a pet-sitting service to take care of animals in their owners’ absence? If you have the yard space, you could even provide a boarding facility for longer stays.

With a little creativity and a clear understanding of customer needs, you can create many other income sources from working with animals.

Copyright © 2010 Cherryl Hanson Simpson

Written by Cherryl Hanson Simpson
Financial consultant and money coach

It’s an unfortunate reality that many persons work just to receive a pay cheque, as they find their regular nine-to-five jobs tedious and unfulfilling. Before the industrial revolution ushered in the concept of paid task labour, workers used to get satisfaction from earning from professions that suited their personalities and natural talents.

Although our modern-day economy doesn’t readily allow all employees to achieve their dream occupations, it’s still possible to successfully turn a hobby into a means of earning money. I like to encourage persons who are searching for part-time income opportunities to look for ways to profit from their passions and pastimes.

One leisure pursuit that can lead to a very rewarding income source is taking care of animals. If you find pleasure from working with members of the animal kingdom, then you might find one of the following alternatives appealing.

Ornamental Fish Rearing

Decorative fish are not only exquisite to look at, they are big business. There is an increasing demand for ornamental fish, not just for local enthusiasts, but for the export market. Improvements in fish-rearing technology now allow you to raise fish cost-effectively in a relatively small space. Contact the Jamaica Ornamental Fish Farmers Association at the Fisheries Division of the Ministry of Agriculture if you need to learn more about this opportunity.

Exotic Bird Rearing

Raising beautiful birds is another prospective source of part-time revenue. With more persons living in apartments and confined spaces, the desire for small pets is growing. Birds are usually appealing to children, so they also make great gifts. Some exotic birds such as parrots are protected under Jamaican laws, so be careful to research the relevant legislations and follow the established practices that govern bird rearing.

Dog Breeding

It seems that Jamaicans are eagerly embracing the dog-loving culture of our North American neighbours, and this development opens up several income-generating possibilities. No longer satisfied with the basic mongrel variety, many dog aficionados are demanding quality breeds and are willing to pay top dollar for them. If you would like to turn your love for raising dogs into a means of earning extra money, you can get more details from the Jamaica Kennel Club at http://www.kennelclub.com.jm.

Obedience Training

Fans of the hit National Geographic television show, The Dog Whisperer will realise the tremendous earning possibilities available for talented dog trainers. Whether they are playful pint-sized pooches or aggressive attack animals, it appears that many pet dogs need to be properly socialised to behave appropriately. If you instinctively communicate well with animals, then obedience training might be an exciting option for you.

Dog Grooming

While dog lovers may enjoy the company of their pets, the extra work involved in grooming them may definitely be outsourced to others. In fact, some businesses make a fortune catering to the hygiene needs of pampered animals. Even if you don’t have specialised training in trimming and sprucing up fancy dogs, you can still participate in this process by offering a dog-bathing service to friends, neighbours and elderly dog owners.

Pet Supplies

Surfing the Internet for pet supply stores will reveal a wide array of items that have been created to make animals’ lives more pleasurable. Whether you agree with these frivolous shopping choices or not, the reality is that there is a market for supplying some of these products to dedicated pet-owners. With some creativity, you could even design and produce some of these pet gadgets locally.

Animal Shows

The entertainment options at most children’s birthday parties tend to be very similar – inflated bounce-a-bouts and standard clown acts. If you have a pet whose quirks and actions usually bring joy to youngsters, how about creating a unique animal act? An exotic bird that talks or a dog that does cute tricks might provide you with a very engaging performance and an entertaining way to earn.

Pet Photography

Pets bring a lot of satisfaction to their owners, and many people form deep bonds with their animals. Some persons treat their pets just like children, and would be happy to preserve the memories of their pets for posterity. If you have a knack for photography and a little patience, you could provide a pet portrait service. Look for an online source for picture frames, key rings and other memorabilia that would complement your photos.

Pet Sitting / Boarding

One of the challenges for owners whose animals become part of their families is how to care for their pets when they have to leave home for long periods. Some house dogs even get agitated when their owners go off to work! Why not offer a pet-sitting service to take care of animals in their owners’ absence? If you have the yard space, you could even provide a boarding facility for longer stays.

With a little creativity and a clear understanding of customer needs, you can create many other income sources from working with animals.

Copyright © 2010 Cherryl Hanson Simpson

I have been frequently using this site for the last few years. Specially around the Black Friday Holiday here in the USA. Its the most busy shopping day of the entire year. All stores have crazy sales. Many people will wait hours before the stores open. Some people even sleep outside the stores as soon as they close, and stay there all night in hopes to be the first person in the store to get the best items for cheap. I remember I walked into a BestBuy around 10am on Black Friday and the store was almost completely empty. There were so many people with shopping carts full to the rim. This is when I decided to shop online for Black Friday. And from this, I have found another great secret.

The site is called http://www.FatWallet.com. You will find all kinds of crazy good deals there and you will also receive cash back on every purchase! So if you buy something through one of their links, like walmart, you will get cash back!

This is huge, because you can get savings up to 10-15% of your purchase. Which works out great if your buying those big ticket items like a flat screen TV by Sony. You could get 0′s off. I know I did when i bought my TV. I bought it on Black Friday from BestBuy. So It was already on sale, and I used FatWallet.com to purchase it and got something like 4-5% cash back.

You do have to do a little searching to find the best deals on the site, but you can sort the lists of stores and do advanced searches. The site is very easy to navigate.

If you go to the Forum part, you will see a list on the left side. It will have all forum topics. One of the topics is free stuff ( see picture )

Once there you will see all the latest posts by users who find free items and post them to this website. I have literally found hundreds of free samples over the years. You will find the best ones, if you search for the most recent ( which is already done for you ) most of the older posts are dead meaning they have already expired or given away all the free samples.

You can find all kinds of things for free here. Free Coffee from Dunkin Donuts, Free stickers, I just got a bunch of free magazines and Free food.

Get as many free things as you can! Have Fun.

To see how to get all the free stuff before it expires Check out the pics below!

Step 1 find the FREE Stuff Forum Catagory. Click on that

Once you get to the Free Stuff page, on the top bar, you will see Topic Alerts. Click on that.

Fill in the correct fields, plug in your email address, and you are set! You will be getting fresh free samples in shortly.

If you enjoyed this post please follow me on Twitter.  Thanks for reading!

Read about the Top 5 Exotic Pets

Learn all about the James Bond Actors, Villains, and Bond Girls too!

Written by MidasFX

select: More Exotic Pets Articles

Categories: Pets - Tags: , ,

26 Ways To Make Extra Money While Keeping Your Day Job

on October 17, 2011 · Leave a Comment

Make Extra Money By:

1. Freelance writing. Have a unique ability to pen the written word? Have a solid grasp of grammar, spelling, and communicating? You could become a freelance writer for newspapers, magazines, or other local periodicals. THAT could help you make extra cash! Don’t be afraid to endure a lot of “No’s” and you’ll eventually get that “Yes” that can give you some instant credibility. You can always build a portfolio by guest posting on blogs or by submitting articles to your local newspaper.

2. Plant maintenance. Just like people need help taking care of pets, they also need help with plants. Make some extra cash by taking care of house plants and even outdoor gardens while people are on vacation. You could also offer to take care of the plants kept in local offices on a long term basis. Don’t forget your mileage tax deduction if you drive your car for your new business!

3. Offer to clean homes during the day or offices at night (depending on your schedule). Add in the houseplant maintenance and you could get a double whammy for your profits! Don’t forget the mileage deduction.

4. Tutor. If you have a college degree, use your downtime to tutor kids in the summer or even over the Internet to make additional income. Drop by the local school system and offer your services to the summer school folks after making sure it’s okay with the school staff, of course.

5. Teach a language. Do you speak another language? Do you speak English well enough to teach it? Either way, your skills are in demand and will help you make extra money. People need to learn other languages and non-English speakers need to learn English. Most people prefer to learn a conversational style rather than just conjugate verbs around the dinner table. Who knew just talking and having a conversation could result in earning additional income? Try learning Spanish or step on out there and pick up Mandarin Chinese!

6. Internet research. Really know your way around the Internet? Offer your skills in research to local businesses. You may have to do a few freebies to get your foot in the door, but this could be a tax deduction as a startup cost in your quest to generate extra money.

7. Iron clothes. People are busy and if you offer to iron their clothes and pick up/drop off at their office, you would set yourself apart from the cleaners. Make even more money by offering the service mentioned in #24.

8. Run errands. The last time I checked, the IRS rate for mileage was 50 cents per mile. By offering to run errands for people (dry cleaning, drugstore, grocery store, post office, etc), you could earn extra money for your time while reducing your taxable income from mileage.

9. Substitute teach at your kid’s school. My wife does this quite often. Teachers have doctors and dentist appointments just like everyone else. Their children get sick and they have to take care of them. When these events happen, the school needs a substitute teacher. Check with several schools (don’t forget the private schools) to see what requirements they place on subs and how much extra income you could earn.

10. If you liked #9, could you offer to teach at your local community college? One or two courses at night or on the weekends could make you a little extra cash.

11. Do you have a unique skill or ability? Have you EVER heard someone say to you, “I wish I knew how to do that.” The “that” could be building decks, arranging flowers, baking pies, playing the piano, canning food, making jewelry, framing pictures, or raising roses. People will pay to be taught. They will pay even more if you offer to teach their children. Offer to teach them or their children in their homes and you could earn even more.

12. Become a life coach. Encouraging others to strive for success and live up to their potential is what being a life coach is all about. You can squeeze in appointments on weekends, during your lunch break and in the evenings after work, making it easy to earn extra income while keeping that day job.

13. Become a “green” consultant. Do you know how to make those little lifestyle changes that result in a home using less energy? Offer to evaluate someone’s home and make recommendations to help it become more green. You could offer to change their light bulbs to CFL’s or LED’s, install a programmable thermostat, install ceiling fans, or make other recommendations. You could also sell your services to businesses. I bet this will become a very large industry in the next few years. Some people will make a LOT of extra money!

14. Do you love to garden and use organic methods? Depending on how large your harvest may be, you could offer “in season” locally grown, organic vegetables and fresh herbs for sale to a restaurant. Take a basket of your most beautiful vegetables and visit several restaurants. Chefs are always interested in getting the best, the freshest food for their patrons. You could pick them, wash them, and deliver them within the hour. You can’t get much more fresh than that!

15. Know your antiques? Spend your weekends scouting those garage sales, thrift stores, estate auctions, and flea markets to score old treasures on the cheap. Do some research to discover the real value of your finds and spend your next lunch hour auctioning it on eBay.

16. Set up computers, home theater systems, or wireless networking systems for the technologically challenged. Even though technology is a constant presence in our everyday lives, some people just can’t seem to get the hang of it. You can offer to come in and help those with new gadgets get them set up, install new programs, organize the spaghetti mess of cables, and make sure everything is plugged in correctly.

17. A year or so after you’ve set up those computers, offer to help clean and speed up computers that may have been infected with viruses, malware and spyware. You know it’s going to happen and someone will get paid to clean those systems.

18. If you’re really on the technology band wagon, you could offer to help people change the formats of their media. Changing VHS videos to DVDs, scanning old photos, moving CDs to MP3s, or other format changes can make you some additional income.

19. Get paid to shop. There are several companies that hire people to perform a mystery shop and report their experiences. Make sure you’re fair and that you understand the way each company goes to market.

20. Are you a genealogy buff? People love to know their family histories, but don’t have time to do the research. You can offer your services as a “family researcher” and help clients learn about their roots, learn about your own in the process, and generate extra income.

21. Can you bake? Making and decorating cakes can allow you to show off our artistic side. You could also offer to bake pastries and other goodies for local coffee shops, a local deli, or even sell them in local office breakrooms.

22. Make jams and jellies. If you listened to your grandma and learned to can and preserve food the old fashioned way, a quick trip to the farmer’s market could result in you making a big batch of peach preserves, blackberry jelly, or strawberry jam. Then you could sell it for a profit at a local market or over the Internet.

23. Babysit. There are actually several ways to go here. You don’t have to only offer to babysit for young parents looking to get a few hours break and attend a business function, though that is a possibility. What if you offered to keep kids all night long for parents who worked third shift? What if you offered to keep kids who were feeling a little sick (nothing major)? Most day care centers won’t accept a child who has a fever or a runny nose, but if you contacted several day care centers for referrals of mildly sick children, you could carve out a profitable market niche for yourself. Make certain you follow all local laws when keeping children.

24. Got a sewing machine? Many local clothing stores, particularly upscale stores, men’s suit stores, and even dry cleaners need people with sewing skills. Here’s your chance to show off your skills and make a little extra income.

25. Pet sitter. Right now I’m looking for a pet sitter for my miniature dachshund. The kennels charge at least /day. Could you undercut the kennels, charge /day and keep a few pets in your home? If you’re wary, you could always set a weight limit and only keep those little guys (like mine). People need help with hamsters, guinea pigs, cats, dogs, and even exotic pets. If you live in an apartment, you could offer to feed, water, and check on pets kept in their homes. Then you could deduct the mileage from your taxes for an additional bonus.

26. Photography. Do you have one of those fancy cameras? Know how to use it? You could potentially start photographing people’s children, their weddings, their anniversaries, or their parties. You could take interesting photographs, post them on the appropriate sites, and then make money every time someone uses your photograph.

Written by hurabbas

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Categories: Pets - Tags: , , ,

Making Extra Money From Home – And Why It’s Become Essential

on October 4, 2011 · Leave a Comment

Making extra money from home has recently been elevated from the ‘nice to have’ to the ‘must have’ elements of our lives. Anyone who still ‘pooh-poohs’ the idea of learning how to make extra money from home is simply ‘not with the program’.

The global meltdown has made the job market one of shifting sands for everyone. But having committed to investigating how to make extra money, we quickly realise that what we really need is a course in how to evaluate which idea for making extra money is the right one for us. The choices are mind-boggling. What are our options? That’s always a good place to start.

Well we could develop our hobby into a commercial venture. We may enjoy building rock gardens, or making soft toys. It’s always good to be passionate about what we do but there are real challenges with ideas like this: Firstly, if our product is time-intensive and depends solely on our physical effort and commitment to time, then the moment we fall ill or fall out of love with our idea for making extra money from home, then the income will stop.

Now if we still work a full time job we have that income, but we don’t have the time. If we have lost our job we have the time but no money. How can we possibly break the debilitating link between time and money, and make extra money from home whilst still having a life?

Well, perhaps our minds turn to network marketing businesses as the most ‘leveraged’ way to make extra money from home, because the whole idea of this business model is to duplicate our time and effort. Thousands launch into MLM or Multi-Level Marketing businesses with the hope of making a fortune – never mind simply making extra money from home.

The failure rates are massive though, because this majority will venture into network marketing as a ‘something for nothing’ deal where signing on the line opens the floodgates to riches with minimal or no input from them. Their dream of really making extra money from home disintegrates into nothing and very often into a vitriolic hatred of the business model itself. What these people really want is to know is how to make extra money without learning any new skills or developing themselves as business people and as leaders.

But to be fair to these disillusioned folk, building MLM businesses used to be very high on the rejection front and the riches seemed reserved for a charismatic few who could attract people in by the force of their own personality. For the majority, the ‘price’ of making extra money from home far outweighed the ‘prize.’ Who but the few would actually want to invite all their friends, family and work colleagues to a meeting in their living room where they get told frankly by their neighbour that their great idea on how to make extra money from home was total ‘guff’?

However, the business model of network marketing has changed out of all recognition, and whatever our preconceived ideas have been in the past – with some justification at times – our families need us to break through our prejudices and reexamine the ‘new look’ business model of MLM.

First of all, if we have a computer and just basic skills – especially ‘copy and paste’ then we have in our hands the skills to make extra money from home and insulate ourselves from the ravages of the World economy for ever. Also we need to forget the idea of doggedly promoting one networking business only. We need to be more nimble – manoevring ourselves into opportunities that are ‘hot’ and dumping the ‘lemons’. So then we ask, ‘how on earth could I tell a lemon from a hottie?’

That’s a very fair question if somewhat strange-sounding! With over 430 networking businesses available on the internet right now, the question of how to make extra money from home can be a little confusing to say the least! We could research a lot businesses. But that’s a whole gob of time we just don’t have. What we need is some kind of ‘launchpad’ for a Home business that will do all that research for us and plug us into the best networking businesses automatically.

What are the ‘best’ generally speaking? Well, they are businesses that pay out a residual, repeating commission, rather than a one off. Business vehicles like this are gold dust, because we can be making extra money from home in ten years from a sign-up that occurs this year. Now we can scour the internet for an automated vehicle that will plug us into a handful of the best paying networking opportunities. That’s an option. All we need to remember is that if we position ourselves right, in the right automated vehicle, then we can be swept along with the wave. Hey, even the folks who ‘tried MLM’ and did nothing can succeed in that. As of this moment the tools for making extra money at home are in your hands. But will you do anything with it? Only you know that.

Written by Alunmax

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Categories: Real Estate - Tags: , , , , , , ,

Top Ten Management on The Business Model: An Overview of The Question ?what?s Your Plan to Actually Make Money??

on October 3, 2011 · Leave a Comment

Introduction

Many people assume that as long as they have a great product or amazing service, success is a guarantee. This is just not the case. The extremely competitive environment in which today’s companies attempt to separate themselves from the herd in an effort to be noticed requires more than products and service. It demands a business model designed for success. Without a sound business model, organizations have to struggle simply to survive. 

The Idea in a Nutshell

The formal definition of a business model, according to investopedia, is “the plan implemented by a company to generate revenue and make a profit from operations. The model includes the components and functions of the business, as well as the revenues it generates and the expenses it incurs.” This simply means that it is the company’s plan to make money. The lack of a good plan to make money can lead an organization to failure. While basic business models date back to ancient times, modern companies are effectively creating models based on new, emerging technology.

The Top Ten Things You Need to Know About Business Models

1.            One of the first forms of business model was the “shopkeeper model”. This model was designed to attract customers; therefore, making money by building businesses where they were convenient for the customers.

2.            There are six basic elements in a business model. These are value proposition, market segment, value chain structure, revenue generation and margins, position in value network and competitive strategy.

3.            The “dot-com bubble” is a great example of bad business models. These companies operated at a loss while their stocks rose rapidly causing them to be highly overvalued.

4.            Successful business models tend to have three common characteristics. These characteristics are offering unique value, being difficult to imitate, and being grounded in reality.

5.            An interesting case of late business model creation is Twitter. While they operated for years with seemingly no desire to turn a profit, the recent introduction of promoted tweets has been the first step in creating a new business model.

6.            Even not-for-profit organizations have a business model. The difference is that in a for-profit business model the money made by an organization can be used at the owner’s discretion while the money made by a not-for-profit organization can only be used by the organization (and must be donated to another not-for-profit organization if operations cease).

7.            An example of a business model that saw great success is Xerox. They saw that with the high expense for each machine, there was not room for a substantial profit by simply selling their machines. Their business model was based on the idea of leasing the machines and charging a fee per copy made.

8.            With the vast web-based market, online business models are very important. Online business models are composed of four blocks. These are the company, the customer, the product and experience.

9.            Some business models (those of newspapers who provide online versions) walk the line between what most consider ethical and unethical behavior. These organizations charge for access to obituaries (while also charging the families who choose to put them in the paper in the first place).

10.            Organizations can be granted patents for their business models. This was the case with Netflix and they subsequently sued Blockbuster for patent infringement.

The Video Lounge

http://www.youtube.com/watch?v=aOz6Au5NuG0

In this video, the founder of Wikipedia explains what makes his creation so unique. His business plan includes creating a continuously updated encyclopedia with a relatively small staff.

My Take

Since business models are how a company plans to make money, they are very relevant today and will still be relevant in the future. Whether a simple business model based on the location convenient to prospective customers like that of ancient times, or a more innovative modern business model like that of Netflix or Redbox some sort of model is essential to the continued success of any organization. The modern business world is an aggressive environment full of managers, employees and entrepreneurs trying to find a competitive edge. The only way for these people to achieve success is through a business model that gives consumers something that they want.

References

A possible new business model for obituaries. The Buttry Diary. (n.d.). The Buttry Diary. Retrieved August 31, 2010, from http://stevebuttry.wordpress.com/2010/07/14/a-possible-new-business-model-for-obituaries/

Business Model. (n.d.). QuickMBA: Accounting, Business Law, Economics, Entrepreneurship, Finance, Management, Marketing, Operations, Statistics, Strategy. Retrieved August 31, 2010, from http://www.quickmba.com/entre/business-model/

Bylund, A. (n.d.). Netflix awarded business model patent, immediately sues Blockbuster. Ars Technica. Retrieved August 31, 2010, from http://arstechnica.com/old/content/2006/04/6528.ars

Could a Non-Profit Structure Be Right for Your Business?, Small Business Info. (n.d.). Business building articles. Retrieved August 31, 2010, from http://www.businessknowledgesource.com/smallbusiness/could_a_nonprofit_structure_be_right_for_your_business_014533.html

Mangalindan, J. (n.d.). Can Twitter’s business model succeed? – Jul. 9, 2010. Business, financial, personal finance news – CNNMoney.com. Retrieved August 31, 2010, from http://money.cnn.com/2010/07/09/magazines/fortune/Twitter_business_model.fortune/index.htm

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Contact Info: To contact the author of “Top Ten Management on Business Models,” please email Miranda Manuel at Miranda.Manuel@selu.edu.

BIOGRAPHY

David C. Wyld (dwyld.kwu@gmail.com) is the Robert Maurin Professor of Management at Southeastern Louisiana University in Hammond, Louisiana. He is a management consultant, researcher/writer, and executive educator. His blog, Wyld About Business, can be viewed at http://wyld-business.blogspot.com/. He also serves as the Director of the Reverse Auction Research Center (http://reverseauctionresearch.blogspot.com/), a hub of research and news in the expanding world of competitive bidding. Dr. Wyld also maintains compilations of his student’s publications regarding management concepts (http://toptenmanagement.blogspot.com/), book reviews (http://wyld-about-books.blogspot.com/) and international foods (http://wyld-about-food.blogspot.com/).                

Written by David Wyld
Professor of Management, Southeastern Louisiana University

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Make Millionaires Who Give Away Money Contact You!

on September 27, 2011 · 25 Comments

Millionaires Who Give Money to Help

There are lots of millionaires who give money to help those in need, along with billionaires.  While you cannot ever guarantee you’ll receive cash from any of them, there are some things you can do to improve the odds of catching the attention of rich and famous people.  Have you noticed that some folks get lucky enough to have their financial woes aired on television, or online, and get cash assistance from people, generally with no strings attached?  Have you wondered how you can get that type of attention?  Here’s how to get millionaires who give away money to  help others to find you, instead of the other way around.

Blog Your Financial Issues

Millionaires who give money to help use the internet, just like all other people.  Even the rich and the famous go online and search for various things from time to time.  If you would like one of these wealthy people to find you, so they can assist you financially, a blog may be a good option.  If you can find ways to draw people to your blog, you can quickly and effectively find millionaires who give money to help others, along with other ordinary individuals.  You may even catch the eye of local or online media, making it even more possible to connect with the wealthy and famous people that could assist you.  In addition, you can make a few bucks on the side with your blog, so you may be able to avoid needing millionaires who give money to help to offer you anything.  It’s worth a try.

Make A You Tube Video

This is similar to a blog, but you can create a visual connection with the millionaires who give away money.  This can make it a more effective way to get free cash, no strings attached. For example, if you lost your home in a fire, you can show a video of the damage.  This can make trying to get millionaires who give away money to help to send you free cash even easier.

Leave Comments

Leave comments on any articles or sites you can find that are talking about millionaires who give money to help out others.  Don’t leave your email, but do leave a link (if possible) to your blog or other online site you use, where you can receive messages.

Contact Local Media

If you are desperate, contact local media sources and see if they are interested in running your story.  If aired, you could catch the attention of millionaires who give money to help out.     You can try online media sources, print or television.  You just may find a wealthy person more than willing to assist you.  If it doesn’t work, there are ways to find people offering a free cash giveaway, no strings attached.

Written by jcmayer777

Have a dance party with the Millionaires in their full set live from Warped Tour ’09 in Sacramento, CA! Check them out at: MySpace.com/Millionaires
Video Rating: 4 / 5

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Household Budget: Saving Money in a Tough Economy

on September 26, 2011 · Leave a Comment

COPYRIGHT © 2011 Cherie Kuranko ~ ”InkSpot”

All Rights Reserved.

As fuel prices surge, it is becomes more difficult to balance the household budget. Here are some new ways you may not have considered to help slash the monthly bills and tuck a little into savings, but first you must set up a budget. Below are some basic steps to help you develop a budget that will allow you to save money.

Budget: If you don’t have a written budget it’s time to sharpen your pencil and write it out. First write out all the monthly bills. Then sort them in order of importance. Mortgage/rent, vehicle loans, insurances, utilities, food and any other financial obligations that must be met each month. Only include payments you have to make. These will make up your core budget.

Next list luxury items. Things you spend money on that you don’t have to. Generally these include items like clothing, dining out or your morning java from the coffee stand. These are items you “want” but don’t necessarily “need.” There is a difference and if you truly want to change your ways and start saving money it is time to recognize this and stop splurging.

List your “minimum” monthly income. By using the figures for the least amount of money you earn in a week or month, dependant on your pay schedule, you will be able to ride out times when you aren’t earning money for overtime hours worked.

Then set up your budget to pay bills as they come in to avoid any late or interest fees.

Your budget should only include necessary payments. Any remaining monies normally spent on luxury items will now become your savings. Deposit it when you make your payments so the money doesn’t get spent.

Increase your savings even more by depositing ALL of the overtime income into your savings account as well.

If you own a credit card, leave it at home unless you plan to use it. Only use the credit card if you have money in the budget to pay off the balance in full when the credit card bill comes. By not carrying your card daily, you can avoid the temptation to overspend. If credit cards are a real problem for you get rid of them. Cut them up and close the account when it is paid off.

There are numerous ways people can save money. Provided below are some fresh ideas that maybe you hadn’t considered.

Entertainment: Cut movies, dining out, shopping and senseless fuel waste driving about. Spend time with family, friends and neighbors. Try board games, weekly card/poker games, bonfires, bike riding and local parks. Stay local and save fuel. Play boche ball or tennis in the summer. You get free exercise and fun.

Library: Your taxes pay for the library so use it. No more movie rentals. Order in what you like through interlibrary loan. They also have music cd’s and books. Save on subscription costs and check out your favorite magazine instead of buying it.

Community Events: The library is a good source for picking up advertising for free, local events–especially for kids. Look for brochures and flyers on the bulletin board or ask the librarian to help find them. Most counties provide youth programs that include fun, free events for kids like story time, crafts, movies, sports/play events, plays or puppet shows and other interesting activities.

Appreciation Days: Many local businesses and attractions celebrate customer appreciation days where they offer free visits. Visit the websites of your favorite places to visit and see what they have. You can also call and ask or see if they offer discounts. Sometimes if you plan to attend with a large group you can at least save money by getting group discounts.

Save money dining out by cooking and baking at home together as a family. It’s a lot more fun to do this with a spouse or your children than doing it alone. Plan culture meals. Try something new and make it fun. Fondu, Mexican or homemade pizza. Try hobo meals over a bonfire in the backyard.

Pitch a tent in the backyard. Kids love to camp and you can avoid fuel costs and campground fees by setting up the tent in the backyard. You can make your own fun with games, sing-a-longs or story-telling.

Saving money on utilities, television, phones and Internet. Many people are discovering websites that you can watch television programs, educational shows and documentaries and even movies. Netflix is just one, but they are one of the cheaper ones at about -10 per month. Compared to cable or satellite television it can be a real bargain.

You can set up your computer to work with your television or ask your teens to help you figure out how to use their video game players to do the same. The cost of Internet and Netflix together are cheaper than most monthly television bills. Best part–NO commercials.

Phones: How many phones do you have? Do kids really need their own phones or could they get by with sharing a phone. This can be a big money saver. Everyone needs to chip in on the slashing action if the household budget goal is to decrease expenses. So, off with the phones. Our children never fail to find a landline or another cell phone to let us know they are ready to be picked up. Cell phones are a luxury item. Cut your landlines down to just one or do as some people have and only use cell phones. Just keep in mind that dialing 911 from a landline does help provide emergency personnel with your home address if they are needed. Some people keep one landline for this reason only.

Call the companies you have done business with and explain to them you are strapped for cash and need to cut back on your monthly expenses. Ask them if they have any suggestions on how to do this with their company. If you have been a loyal customer, they will often offer to reduce your monthly bill to keep your business. I was very surprised to get over 3 months of FREE security, a reduced phone bill and suggestions to reducing several others.

Vehicle insurance costs are very expensive, especially if you have teenage drivers. Discounts are usually offered to teens with good grades (generally above a 3.0 GPA). If your child has good grades and you’re not getting a discount you should call and ask for one. Be sure to shop around for the best price each and every time your insurance renews. You would be surprised how often you can find cheaper insurance.

Rate your child as the driver on the cheapest, usually the oldest, vehicle on the policy. You can also receive cheaper insurance if your child only drives occasionally rather than to work and school. Check your policy to be sure discounts for safety features on vehicles is accurate; such as airbags, anti-lock brakes, etc. And check to see if it is cheaper to switch your home owners and other insurances to the same company. You can receive discounts for this as well.

Camp trailers, RVs and any unused vehicles: You don’t want to cancel your insurance on your trailer, but you aren’t using it. Did you know you can keep comprehensive insurance only on vehicles and trailers, etc when they aren’t being used on public roadways? This GREATLY reduces insurance costs. Just be careful you don’t forget to add the coverage back on when you decide to use it.

You also might be surprised to learn it is sometimes cheaper to keep an extra vehicle on insurance than it is to leave it off. This is due to the way teens are rated and all companies handle this a bit differently. So check into it and add an extra vehicle if it lowers your insurance. We owned a 2004 GMC truck. Our two teens were being rated on that vehicle, which has full coverage as it is newer. When we added an older 1994 Ford pickup without full coverage (just basic insurance), the cost of our policy went down. Two vehicles were cheaper to insure than one. The reason for this was because it was cheaper to rate the two teen drivers on the older vehicle than it was to rate them as driving the newer GMC. So, we saved money. Check all angles when quoting insurance, especially when teen drivers are involved.

Vehicle Licensing: Just don’t buy them until you are actually going to use the vehicle. How many times have you bought tabs when they come due and then let the RV or boat trailer sit unused until the tabs are due again the next year? It is a waste of money. Only license vehicles just before you plan on using them.

Shopping: My best shopping tip is to stay out of the stores as much as possible. Shop for clothes once or twice a year. Buy only what you need. Grocery shop once a month and plan the entire month’s suppers so you have a detailed shopping list of exactly what you will need. This saves money, fuel and lots of time. No more last minute runs to the stores. Best of all–you know what’s for dinner. Hang your supper menu on the fridge and stick to it.

Buy foods or household items when they are on sale. If you have the room to store these items, buy them by the case. It is much cheaper to buy items on sale and keep them on stock. Use coupons whenever possible to further reduce your grocery bill.

There are many, many ways to save money. Learning to live within your means and frugally may not be easy at first but it sure increases the savings account balance quickly. This alone is a great incentive. Each month challenge yourself and your family to reduce your household budget by at least five dollars. You will be amazed at how resourceful and creative everyone will get in trying to save money. 

COPYRIGHT © 2011 Cherie Kuranko ~ ”InkSpot”

All Rights Reserved.

Written by InkSpot
Copyright © 2000-2011 Cherie Kuranko –

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Beyond Business Loans: 6 Ways to Generate Seed Money for Your New Business

on September 21, 2011 · Leave a Comment

You have the idea and you have the motivation, but do you have the money? The credit environment right now stinks and you aren’t thrilled with the idea of applying for business loans. Fortunately, you have other options for raising seed capital. If you are creative-minded and determined, you can locate the money you need to start your business—without asking a business bank to help.

Tap angel investors

Angel investors are wealthy individuals who deploy their money in business start-ups. They don’t do it because they’re nice people; they do it to make money. A successful small business start-up can provide an investment return that’s well in excess of what exchange-traded stocks or bonds might produce.

Angel investors do not hand over their money casually. Expect to provide potential angel investors with all the documentation you’d give the bank when applying for a loan, such as your business plan, financial projections, market research, product data, etc.

You will have to share decision-making authority with your angel investor. She may ask for a board position, for example, and will place restrictions and stipulations on future corporate actions. Retain an experienced attorney and accountant to assist in negotiating and documenting the arrangement.

Partner up

A second alternative is to team up with friends who share your business interests. If you can rally a group of entrepreneurs, you can ask each individual to be responsible for raising a certain amount of funds. In return, each will get a slice of ownership in the company.

Partnerships among friends can get messy when the arrangement is handled too casually. Document the terms of the arrangement before money changes hands. Define the management and financial responsibilities of each partner. Clarify who has the final say on corporate decisions, and decide what to do if someone wants to cut ties with the company.

Lock in one big contract

When you don’t want to share your management role with investors, you can find a customer to pay your start-up costs. Many a small business has begun with just one contract. To make this work, you’ll have to be meticulous about your financial and operational planning. Your customer doesn’t want to know that she’s financing your start-up; she only wants to know that she’s giving you a deposit for the delivery of goods or services. This means you can’t screw up: don’t underestimate your costs, don’t miss your deadlines, don’t give your customer any reason to suspect that your business isn’t completely stable.

Dabble in alternative finance

Websites like LendingClub.com can also be a source of business funding. LendingClub and its competitors facilitate peer-to-peer lending marketplaces. Through the site, regular folks who have money can make loans to regular folks who need money. You would visit the site, set up a profile and define the parameters of your loan. Peer lenders review the profiles and invest small dollar amounts in the opportunities they like. When your loan funds, the money will come from a group of individuals, each of whom pledged a portion of your loan request.

Credit requirements vary for peer loans. Expect peer lenders to evaluate your credit qualifications and your business idea before committing to your loan request.

Use existing credit lines

No doubt you’ve already considered using your personal credit cards to generate seed capital. This may be the easiest and fastest way to generate seed funding, but it can get expensive. To keep a lid on costs, try to use the card more for purchases rather than cash advances. Call your card companies and ask about rate promotions. Watch for mail from your card issuers; sometimes they’ll send out checks that you can use to draw money against your account at a lower rate.

A loan against your permanent life insurance policy could be another attractive option. You will be limited to borrowing only up to your policy’s cash value. The good part is that your insurance company isn’t going to press you for immediate repayment—mainly because the loan accrues more interest when you take longer to repay. Just have a plan to repay it eventually, because otherwise you could run into tax problems down the road.

Ask your elders, the right way

Finally, you can ask your wealthy, older relatives for the seed money. The trick is to present it as an opportunity, not a loan request. Pitch your Great Aunt Selda on the idea of investing in the family and earning a nice return in the process. Do your homework on loan rates and offer Aunt Selda a competitive rate on the borrowed funds. Draw up an agreement that defines the loan amount, interest rate and repayment terms. Going forward, do what’s necessary to stick to your agreement. At her age, Selda can’t afford to lose a bunch of money on a family loan gone bad.

Written by BrockComm

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Refinance Rates To Save Money On Mortgage Loans

on September 3, 2011 · Leave a Comment

While purchasing a home, most homeowners consider the price of the home but forget to look into the mortgage rates when they get their financed. Taking mortgage rates into account is essential as it determines what amount you finally pay for your home. So, people who realize the importance of mortgage rates later need not wait until their next mortgage loan to correct their mistake. Refinancing mortgage loan is a great option available at their disposal.

Amendments in the payment scheme and change in the terms of loan are the primary reasons that cause people to refinance their existing mortgage with the new one. Conditions of the existing mortgage is changed by opting for a refinance mortgage scheme that has a different interest rate, payment duration and may also have an altogether different lender.

However, there are many upfront costs related to refinancing – these costs are almost equal to the expenses that you incurred to acquire your previous mortgage loan. Nevertheless, refinancing helps you save money in the long run. 

Furthermore, there are two main conditions to opt for refinancing that has a tremendous impact on the refinance rates that are being offered:

1. Acquired your mortgage loan when the interest rates were sky rocketing? – In this case, refinancing your home now will help you strike a good deal that have lower interest rates. This way you will save a lot of money, not only on the overall amount that you will pay for your home but also the monthly payments that you will need to pay will also be lower. Hence, you can have more to pay for your other necessities and debts.

2. Your mortgage loan has an adjustable interest rate – It may be possible that you have chosen to go for adjustable interest rates when your home was financed. Therefore, whenever the interest rate rises, so is your monthly payment for the repayment of the loan. It would thereby be a better option to switch over to refinance the home and opt for a fixed lower interest refinance rate. This would assure you a lower interest payment for every month. 

Stagnant finance rate

Nonetheless, there are many other reasons when people consider refinancing their home but the refinance rate usually remains the same or rises in some cases. For instance, some people refinance their home merely to increase the duration of repayment of the mortgage loan. In that case, though the monthly payment of the borrower may decrease but the refinance rates remains stable or increases.

Same lenders who finance their home can be approached for refinancing as well that includes banks, mortgage companies, brokers and others. Thorough research of the available refinance options will help you find the best deal. 

Written by tomwill

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E-Gold Investing: Make Money With Currency Trading

on September 2, 2011 · Leave a Comment

Many people are already starting to pay attention to the newest online trend: E-gold investing.

E-gold investing is all about a system that allows you to profit from the money that is being traded everyday on the internet. What you’re doing when you are trading e-gold (or e-currencies) is that you are providing the backup for internet money. Let me go back a bit. What exactly do I mean by “backup for internet money”?

There is a cashflow of all of the money that is being moved throughout the internet every day. However, this money has to have, for every dollar that is being backed up, a physical backup of that dollar must exist.

This is a very superficial explanation about how the dxgold system works, but to be honest, to profit from it, you don’t have to understand exactly how it works to profit from it. If I were to put the e-gold training courses into a metaphor I would say it’s very much like driving a car. You don’t need to know how it works in order to use it properly.

What you do need to know is the egold exchange process and every step of the way. This may sound complex, but once you get to know it, it becomes a daily routine that takes about five minutes just to check up on.

Investing in e-gold is something that I could describe as a great investing strategy, if you are investing in the long run.

It isn’t as fast as a rising stock in wall Street, it isn’t something that will double your profits in a couple of days, but it is something you can expect to generate a good income from. And the important keyword in that past sentence would be to Expect, because this is a safe long term strategy that is guaranteed to make a profit for you.

This is why I personally think it is plain silly not to learn this currency trading system. You even know how much money you will make each day in advance.

For some it may be tough, but saving a couple of hundred dollars and investing in e-gold can be a very wise decision. As many people have experienced already, it can even turn into a “hands off” second income without the 8 to 5 job.

E-gold is all about discipline. It is about the discipline of having your money work for you and letting it grow, without getting an urge of a shopping spree and taking your money out of your account.

If you think you can wait for a few months and are interested in getting a second income, then the e-gold system could be a good fit for you.

Written by M Banker2010

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