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Posts in category Advice

Things to know how to save money

Mar03
2009 Leave a Comment Written by Archy Olaybar

1. Avoid spending creep.

If your annual earnings climbs from raises, promotions and smart investing, don’t start spending for luxuries until you’re secure from inflation. Finacial analyst advice, better use those earnings as an excuse to save more.

2. Don’t count the hatched eggs.

Don’t include dollars that you can’t be sure you’ll receive, such as bonuses, tax refunds or investment gains.

3. Tithe yourself.

try to spend only 90% of your income. That way, you’ll have the other 10% left to save.

4. Avoid luxuries dressed up as necessities.

Spending is probably for luxuries

5. Spending beyond your limits is dangerous.

It will make you an automatic candidate for bankruptcy.

6. Watch out for cash leakage.

Keep better records, track where your cash is going.

7. Don’t drive yourself nuts.

Determine which categories of spending can be and should be cut, then concentrate on those categories and worry less about other aspects.

8. Use software to save money.

Use built-in budget-making tools that can create your budget for you, Quicken or Microsoft Money.

9. Follow the three steps how to create a budget plan

  • Monitor how you’re spending money now.
  • Evaluate your financial analysis and set goals that take into account your long-term goals.
  • Track your spending to make sure it stays within those guidelines.

10. Budgets is necessary

Its the only practical way to get a grip on your spending and will make you stay away from debt problems.

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Posted in Ask An Expert, Finance, Motivational, Personal Finance, Wealth Building - Tagged , , ,

How to choose a web hosting server

Feb27
2009 2 Comments Written by Archy Olaybar

As the proprietor of an online business it is important to choose a best web hosting service, read tips how to find hosting plan for your website. Your web hosting controls the server where your website is stored, and picking the best one can mean the difference between killer website and lousy one.

What web hosting server to choose?

Dedicated Servers vs. Shared Servers

A dedicated server is a server in which the entire server is dedicated to your website. Taking up a whole server also cost monthly sum of money. While shared server setup is much cheaper, but the resources will be shared to the people or company who used the web hosting services.

Virtual Private Servers (VPS)

Advantage, virtual private server is integration of two alternatives. It is partitioned for your resources privacy but the expense is not as great as dedicated servers.

Sandboxes and Honeypots is just another feature of the VPS, has a package ability of testing software updates while keeping the main site secure. So if there is a suspected security breach, the second server runs as “bait” for the hacker. It will serve as the real site without sensitive information.

Posted in How To, Internet, Online Business, Other - Internet, Web Hosting - Tagged , , , , , ,

How to find a good hosting plan

Feb23
2009 1 Comment Written by Archy Olaybar

You need to considered many aspects when finding a good hosting plan, space, bandwidth, support, customer testimonial, domain price, contract, and more. So better scan this guide that may help you to find your best hosting plan:

1. Review Hosting Forums
Dig hosting review and offers thread. Post request on forums, digitalpoint and webmasterworld is the best forum boards I guess.

2. Search Engine
Google or Yahoo will give you a list of major hosting company on top 10 results. Review and compare one by one, choose a hosting company who offer relatively cheap and reliable according to service you want.

3. Search for offers and best deals
Search for hosting coupons or offers by means of forums or search engine.

4. Ask a Webmaster
There will be experienced webmaster give you a couple recommendation.

Posted in Domain Names, How To, Online Business, Online Communities, Seo, Web Hosting - Tagged ,

What they never told you about adsense!

Jan15
2009 Leave a Comment Written by Archy Olaybar
adsense
Ntwali Didier asked:


That’s right! Many webmasters are getting suckered into joining adsense in hopes of earning quick cash. What they aren’t being told is that it’s harder than that.

Though google adsense is still one of the best programs out there to earn revenue from your site, there is more to it than that. For example if you think you can just past the links in your site content and watch the money flow in well… In truth few people ever get that lucky some of have to work at it for a while before we get our cash. One of the few mistakes people ever make is thinking google adsense does all the work for you.

Of course we all know that adsense has the most features out there and that it is the best in customer support. Still though if you have a hard time getting clicks off your adsense account, you are not alone. Truth is even though most people may find the ads relevent, many surfers out there have caught the anti-ad bug. This is due to the fact that most ads on sites always misleed you. Everyone knows free hats,free ps2s, and just about free everything. Wich in reality you won’t get the said materials. So even though they see an ad they what to click they will not click on thinking that it will mislead them.

This is partly due to the fact that many ads are circling the net with false promises. There exist no way to get past this except fooling the users into thinking that the link is not an ad but a link written by you. Though this is hard hence the ads by gooogle label that goes with every adsense advertisment. But that’s why most people get more clicks by blending their ads with their content. Though they the ads by google they believe the links are not misleading since the sites are part of your site.

It’s like soldiers when they wear camo. They want to blend in as much as possible. Well try it and see what you get



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How To Save Money: 3 Key Strategies To Save Money

Jan15
2009 Leave a Comment Written by Archy Olaybar
money
Deanna Mascle asked:


How to save money is a key concern for many individuals and families. Learning to save money is not about buying books or software. It is not about joining programs. Saving money is about a mindset. If you have trouble saving money then you will need to change the way you think about money.

This means that you will need to find the ways that you sabotage your own financial goals. Do you equate money with happiness or love? Many people who fall into this category spend money in order to make themselves happy or to make those they love happy. Money does not buy happiness and it does not replace love. Keep your wallet in your pocket (or pocketbook) and focus on giving of yourself and your time. Those gifts mean much more. Do you believe that you deserve the best? Get over yourself. You do deserve food every day but that does not mean you deserve lobster or fillet mignon. You do deserve (and need) clothing but it does not need to bear a designer label. You deserve your basic needs for food, clothing and shelter and everything above that is luxury. Just because someone else has it does not mean you deserve it.

Understanding the root cause behind your financial problems can help you greatly with the first key strategy to save money-Think Before You Spend. This is all about evaluating needs and weighing those needs against desires. You need a winter coat but you want that cool leather jacket. When I was a college student living in London I had a pretty strict budget. I had to pay my rent plus purchase food. But I wanted to travel too. So I cut my food budget to the bone and sacrificed meat and rarely ate out except when traveling. My choice was to eat peanut butter so I could travel to Paris. What choices are you willing, and able, to make? It sometimes help to put off the purchase of those “desired” items. You may find that you do not really want that leather coat enough to brown bag it for a month. And sometimes, anticipation pays off and makes you enjoy the purchase all the more.

Another key strategy to saving money is simple-Keep Track Of Your Money. Credit cards are a wonderful convenience as are debit cards and checkbooks, but the problem is that unless you are handing over cold hard cash it is really easy to not pay attention to where your money is going and very difficult to keep track of how much you have left. You should never be shocked by your credit card bill and you should not be caught off guard by your bank balance. You may not have it down to the penny, but you should have a pretty good idea of how much money you have on hand.

Finally, the most important strategy for saving money-Earn It Before You Burn It. This means that whether you are shopping for essentials or luxuries you know that you have the money to pay the bill. Perhaps you choose to use plastic for convenience or rewards, but before you hand over that card to the clerk you better be sure that you have the money to pay the bill when it comes due. Once you start carrying balances and paying interest on your credit cards then you are destroying your ability to save money.

If you follow these three key strategies to save money then you will be ahead of the game. Think before you spend, keep track of your money, and earn it before you burn it to save money.



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Teaching Your Children About Money Management

Jan15
2009 Leave a Comment Written by Archy Olaybar
money
Jude Wright asked:


Teaching your kids about money management helps them develop lifelong money smarts. But, it’s difficult to teach your kids about budgeting when you’re having money problems yourself.

Your first step in making your children money savvy is to give them a good role model. Teach yourself about personal finance and then demonstrate your good spending habits to your children so they will learn the same habits.

Most children haven’t been taught the basics of money management, so it’s not surprising that over 120,000 young adults under the age of 25 filed for bankruptcy in 2003. If kids don’t learn solid money skills at home or school, they are on the path of having financial problems throughout their adult life.

How can you help your kids avoid this dismal statistic?

1. Talk about money in your home; don’t make it a taboo subject. Discuss any money problems openly and how you can overcome them.

2. Give your kids regular allowances. If they’re going to learn how to manage money, they will need to have some. You can give them money as an “allowance” or as payment for household chores. The amount you give your child will depend on his age and maturity level.

3. Teach your child basic skills by using his “income” as an example. Have him list expenses over a month, such as school supplies, clothing, school lunches and treats. It doesn’t have to be exact, just a reasonable estimate. Once you have the list, show him the difference between necessary and unnecessary expenses. Finally, help him decide on the best ways to spend – and save – his income.

At what age do you start teaching kids about money? Early. Pre-schoolers can learn about the different coins and, for instance, how many nickels equal a dime, etc.

Play “store” with children aged 5-8 to teach them how to make change. Use real money to buy items you have marked with prices. Also teach them that you don’t just take money out of the ATM machine but that you must deposit money into it as well. This is the age to take your child to the bank to open her first savings account.

9-12 year olds can learn different ways to save money, from “shopping” for lower priced items to using coupons to lower the cost. When you see advertisements on television, discuss how the ad tries to influence them in what they buy.

Teenagers between 13-16 can be put in charge of buying the family groceries – with supervision, of course! Give your teen the list of items to buy, an amount of money to spend and have her look for coupons and ads in order to get the best prices.

Youngsters over 17 can get jobs after school and weekends. This will teach them that money must be earned…that they won’t automatically “get” money when they’re out on their own.

When your teen is ready for a car, help him research the costs of automobile ownership: the cost of the car itself, gas, maintenance and insurance. Then, help him find ways to save for those expenses.

Teaching children about money management throughout their childhood will give them the confidence they need to manage their personal finances when they reach adulthood.



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What Does That Mean, Success is not Just About Money?

Jan15
2009 Leave a Comment Written by Archy Olaybar
money
Robert Paterson asked:


I can hear what you’re saying and tell what you’re thinking. It goes somewhat along the lines of: How can he say that? It’s obvious that success is measured in money terms, isn’t it? What use is it to be successful if you’re still poor? And what kind of a success is that?

The first thing to say is that I can see a lot of very sensible reasons why someone would ask questions like that. So it’s worth looking at what it is that makes you ask them. Let us be clear that I’m not actually saying that you can be successful without having any money, or that having money in some way prevents you from being successful, that would be absurd. Money is not a bad thing or a corrupting influence or dangerous or anything like that.

Money is merely a medium of exchange. It allows you to easily get what you want.

And this is the key to what we are saying. It is not actually the money you want, but what the money can bring you. So when you say that your aim is to have X amount of dollars in your current account by a certain date, it is entirely possible that you will not achieve that because it is not anything real that you are giving your attention to. You have to think about what it is that you want the money for, that is what you really want, and that will be the measure of your success.

Monet has often been viewed as being like a flow, like a current. This is a very useful analogy for money. It is like flowing energy, and it is my belief that it works best when it is doing that, moving, flowing. This is why we also say that an aim of having X amount of dollars is an attempt to fix in one place an entity which is most effective when it is in motion. Just like water it will stagnate, and ultimately drain away.

The true purpose of money is to make things happen, to make things manifest themselves.

So do not worry about the money. Just make sure it keeps moving. Think of it like a river. You can sit on the bank of the river and watch the river but you cannot fix the water where it is, it will flow. Strangely enough the water in the river often retains its same shape, making it appear that the water is the same all the time, but it is not. It flows, And the same happens with money. So keep it flowing.

When you have a desire to fix the flow of money it is easy to understand where that comes from. You are desiring to have security. You want to have security so you will not have to worry about money anymore. You think that having a lot of money will bring that, but we say that if you think this then you are thinking of it the wrong way about. The security has to come first, then the money will flow, and then you will have success.

But how can I get security if I have no money, you say? And we would say that it makes no difference if you have money or you do not have it. This is where we start to get into the key area for this entire discussion, the area of faith. Faith is the key that unlocks the door to life. But this article has now come to its end, and so the discussion of faith is best left for another chapter.



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Ditch Your Corporate Cubicle And Join The Ranks Of Web Workers Making Money Online.

Jan15
2009 Leave a Comment Written by Archy Olaybar
money online
Yoshi Kundagawa asked:


There are many different ways to make money online these days, depending on your experience, skills and how much time you have available. If you are sick of working for other people, the unending rat race and being stuck in rush hour traffic, working from home could be ideal for you. It is a bad idea to abandon your job and immediately try to set up a company because anything poorly planned is almost bound to fail. Take your time in thinking about exactly what you want to do.

Ways to make money online include having an online store, using affiliate programs, having a website which requires membership and anything else you can think of. You know what your own skills are. Let me give you an example. If you know a lot about tennis, you might think about setting up an online store (or even a store on Ebay) to sell tennis equipment. If you are passionate about the sport, that will show through in your website, store layout, any articles you put on your website and in the way you answer inquiries from customers. If you decide to sell tennis equipment and racquets without knowing much about the subject, your lack of knowledge will show through and potential customers will mistrust you! Another thing to bear in mind, especially when running an online store, is that you should stick to one thing! If you want to buy a printer, are you more likely to visit a store that specializes in computer-related goods or one that sells a strange mixture of printers, ethnic jewelry, foodstuffs and comic books? It goes without saying that, as a consumer, you will have more faith in the one specializing in one type of product.

There are plenty of opportunities out there right now because of the way in which technology is improving and because so many people use the internet now, to find information, entertain themselves and buy products. Ebay is the world’s largest online store and it is easy and cheap to advertise products on there. You can even set up your own store. An advantage of having an Ebay store (as well as being able to advertise your wares cheaply) is that once someone views one of your items, they will see everything else in your store and might end up buying more from you than they had intended.

You should also be quite careful when thinking about ways to make money online. There are plenty of scams out there. Any genuine company recruiting online will not ask you to pay to get their information. If you want to sell affiliate products (meaning you advertise other companies’ goods on your website to get commission on sales), you should not have to pay for the privilege.

Other ways to make a living from the comfort of your own home include doing online surveys, selling services (some companies pay for articles or blogs) or setting up a site providing a service for which you charge a membership fee.

The best way to begin is to think about exactly what skills you have (remember, you can learn new ones online for free!) and think about what interests you the most. Then check out other websites to see what other people are doing or selling. A home business usually takes a while to get off the ground so don’t give up your other job until it really gets going!



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