Making Money Better

The "Er Question" is one of the most educational money making questions a business person or investor can ask
People will always pay you for providing a product or service that is in demand, three examples would be:

1. Food, shelter or clothing.
2. Giving them self respect, status or prestige.
3. Adding greater value.

For example, a designer T shirt can increase a client's self respect, thus adding value to how they feel as a person.

So your money making question should be, " How can I do this better than my competitors?"

Some words you may want to consider to enhance your product or service's money making prospects in the market place are: For yourself. Quicker, higher quality, more durable, less problems, lower overheads, more profit and better service. And for your customer, more comfortable, yummier, softer, less ware and tear, lasts longer, greener and more intelligent; to name a few.

Having said that, firstly brain storm 20 more attributes for your product or service, then work out which are the most attractive to your customers (market research) and now you have your key benefits. All ready to develop some really intense money making/marketing sales copy.

To develop a massive online marketing campaign, here's an excellent website to go to. Excuse him being a young guy; he's made the money, so use his expertise.

It's really worth doing.

Finance Professionals, Do You Need Leads?

One of the greatest challenges for any business is to attract new customers ... but not just any customers, you want to meet the right customers ... customers who know they need your products and services and who are ready to to buy.

At FinancialServicesOnline.com.au we find these customers for you ... customers who are ready to buy the products and services you sell.

For More Information Click Here.

P.S. Last time I looked at this site they were giving away $100 worth of free leads and we both know how much of a lot that's worth. Don't we?

Free Home Loan Assessment and a Free Gift.

Even if you don't want to jump in straight away, this site has great calculators for all your insurance, home refinance and mortgage payment needs.

Now to get your free home loan assessment simply click on the home loans link in the left hand menu near the top of the page and it will take you to the link.

Plus you will receive a free copy of "Financial Independence! Insider Secrets to Financial Success by John Jansen and James Brodie" when you book your free finance assessment.

Educate yourself Free today, so when you need to make a smart decision you're ready.

Secret Trading Strategy Identifies Undervalued Stocks

Because this is closing shortly you need to get in quick with this one, here's a guy who turned a $1000 into a million dollars in just 13 months and is willing to teach you his trading strategy too.

For More Info Click Here

A Lucrative Carbon Credits Learning Platform, I Think It Stacks Up

According to a recent New York Times article, carbon trading is one of the “fastest-growing specialties in financial services.” And companies are scrambling to get “a slice of a market now worth about $50 billion and that could grow to $5 trillion within a decade.”

To learn how to earn residual income in the lucrative carbon credits market, click here.

This is not just your opportunity to make money, but to do the real work of helping to save our world , because there is no incentive like money to make this whole process skip along a lot faster.

For More Information

The Credit Crunch Crusher

Are you drowning in debt? Here is the step-by-step program and with the information you’ve been looking for – the proven techniques and steps to take that will help you shred your debt while finally learning how to manage – and save - your money!

For More Info

Correcting Lifes Little Mistakes

Once we realize that imperfect understanding is the human condition there is no shame in being wrong, only in failing to correct our mistakes. - George Soros.

Microcap Stock Finder Newslettter

If you have absolutely no tolerance for risk, this newsletter is not for you. If your the type of investors who can’t handle taking a loss, they don't want you.

It does happen often with microcap stocks, but due to their volatility, they can increase in value quickly or decrease quickly also.

This is about minimizing your losses, while maximizing your profits, of course, one needs to bear the truth in mind before you join this newsletter.

That being said I would stand this up against all the others in the field any day, because you must always arm yourself with good realistic information on which to base your decisions.

Read All About It Here.

PS No company is paying him to tell you to pick their stocks. He says so on his website. Plus he offered three free stock picks last time I went there, though no telling when he might stop this.

Understanding Finance For Investment Property Is Essential Knowledge In The Marketplace At Present.

This is a no brainer, getting your loans right at the moment is essential as is getting a good broker.

Going into the broker relationship backed up with the knowledge in this book allows you to ask the educated questions that can get you the best deal.

A little education goes a long way.

The Complete Guide to Real Estate Finance for Investment Properties: How to Analyze Any Single-Family, Multifamily, or Commercial Property

I Think This Is One OF The Best Deals On The Net

If you are looking to start any e-business, you're probably going to need to create an excellent web presence.

And this is it.

Not only do you get a free website, you have 2000 templates to choose from and your first months hosting is free. 

They have excellent online help during the setup process and beyond. This is your opportunity to evolve your business to the next level.

And remember to take advantage of their traffic offers, so you drive as many hits as possible to your website and maximise your earning potential.

So take the tour and see for youself. It's free.

Homestead an Intuit Co.

Make Money With Your Websites Or Online Products

Here is a great opportunity if you have a website and want to earn extra money on the web from one of the premium affiliate and publisher groups on the web.

LinkShare Referral Program

Always Ask About Fees And Charges On Your Loans.Part 1

When locking in a lower interest rate always remember to check what other fees and charges you may be hit with. 

Sometimes these can be prohibitive to the point of if you calculated them as part of the interest rate they can significantly increase it.

Keep in mind if your paying interest, at say, for example 0.5% more over a period of thirty years for an average loan these days that is a considerable amount of money.

Click here for a free home loan assessment.

Always Ask About Fees And Charges On Your Loans.Pt 2

For simplicity, let's use 5% and 5.5% over a thirty year period with interest only. 

Withn$400,000 at 5% over 30 years that's $600,000 dollars.

At 5.5% over the same period is $660,000.

So you could potentially pay an extra $60,000. Of course, inflation will reduce the impact of that amount. As will paying off the capital portion of the loan, usually the amount you originally borrowed.

A good broker can help you with this. 

Will You Lock In Low Interest Rates?

When your interest rate is down to what you feel will be its lowest ebb "Remember" simple maths tells us that locking it in it can literally save you thousands.

Let's make it simple and use an interest only example.

A home loan of $400,000 costs you $40,000 per year at 10% interest or approx. $3334 per month.

At 5% interest, it costs you $20,000 or approx. $1667 per month.

At 2.5%, it costs you $10,000 p.a. or approx. $834 per month.

This is why home loan checks at these times are so important and most brokers have quite sophisticated software and can give you a far better picture of what package to go for.

If you could save $30,000 wouldn't it be worth finding out if you can?

Twitter Takes You Deeper Into Investment Information Territory

Using social networking sites, like Twitter, to update yourself with the latest investment information has come of age. What if you knew there was a new way to produce electricity without harming the environment. Wouldn't you want to be one of the first ones to know.

This can allow you the opportunity to get the information and tips you need, even at five in the morning.

For more info on this check out this article.

For knowledge on how to trade, check out this resource.

Being A Wage Earner Means You Can Invest!

Working for the Man doesn't mean you have to be a wage slave or resort to buying lottery tickets to strike it rich.

The trick is to maximize your income on the job (and know when to move on), make the most of your employee benefits and tax breaks and use that extra money to start investing.

Twelve Tips To Rich Success

Learn The Lessons Of The Rich

The lessons here aren't revolutionary, but they're well worth learning: Don't be a miser, take strategic risks, live within your means, diversify. You may never make the Forbes 400 list of the wealthiest people, but you can create a richer life.

For The Full Detail

The Simple Art Of Pricing Your House Or Car To Sell.

If you're trying to sell your old car that you think is worth $8,000, you might set the price at $7,999. Potential buyers will read the seven first -- and have a sense the car is cheaper than it really is.

Alternatively, you might start at $8,222 and then quickly drop the price to $8,111. One study of price comparisons found that, if the left digits are the same, buyers will focus on the right-hand numbers.

For More Excellent Pricing Strategys For Sellers.

Get The Best Price On Your House

For the millions of people who move each year, Dress Your House for Success will almost guarantee a sale for thousands of dollars over the price of a comparable house. Now, for the first time, everyone will have access to marketing consultant Martha Webb's effective five-step plan.

Dress Your House for Success: 5 Fast, Easy Steps to Selling Your House, Apartment, or Condo for the Highest Po Ssible Price!

Sam Zell On Interest Rates. An Interesting Perspective Think About It.

Interest rates are going to go up because employment is going to go up. If employment goes up, then our apartments get filled. And if employment goes up, our office buildings get filled.

The reality is that increased economic activity combined with increased interest rates is basically bullish for real estate.

For More

Maximise Your Presentation Skills When Selling Your House By Creating Magical Order From Seeming Chaos.

One of the keys to selling a house is obviously " Presentation, Presentation, Presentation!" Being abled to create beautiful order out of chaos is one of the keys to a fantastic sale price.

This great little ebook really makes a difference.

For More

Noel Whittaker On The Property Boom

The property boom has made us all feel wealthy, but unfortunately it has lulled many of those nearing retirement into a false sense of security.

Noel Whittaker

Choosing The Right Investment Strategy

At particular times in life, you will find yourself considering different investment strategies. Your individual circumstances and your stage of life will affect how you choose to invest.

When choosing the super investment option that’s right for you, you should consider your investment goals, investment timeframe, your tolerance to risk and your current financial position.

Inflation. A Help Or Hinderance For The Leveraged Investor?

The first argument says borrowing money now and paying it back using tomorrow's dollars makes investment great for people using leverage (borrowed money).

This works because inflation means that it's easier to get $1000 in the future to pay back our loan than it is to get that same $1000 today (our rate of pay would have increased in the future.

For The Second Argument

What Is Happening Around The World To Our Pensioners

January 1st 2007 marked the start of income splitting for pensioners, which lets pensioners allocate up to one-half of their pension income to a resident spouse or common-law partner.

This significant change will allow, for example, a typical senior couple with a single pension income of $30,000 to save some $1,100 per year in federal taxes, or 27 per cent.

For More

How Do I Invest Using Other People's Money?

Investors do not have to start with their own money to build a business. This book explains how money can be made by acquiring an asset, turning an idea into a fortune, or building a business--using other people's money.

OPM: Other People's Money: How to Attract Other People's Money for Your Investments -- The Ultimate Leverage

Using A Reverse Mortgage To Assist Your Financial Freedom

A reverse mortgage is a loan that enables senior homeowners, age 62 and older, to convert part of their home equity into tax-free income—without having to sell their home, give up title to it, or make monthly mortgage payments.

The loan only becomes due when the last borrower (s) permanently leaves the home.

For More

The Unemotional Wizzardry Of Buying And Selling Shares

Financial markets are a bit of a guessing game to many market participants according to Jason. “Emotions can run high in buying and selling, but they shouldn’t.

Investors and traders should learn to develop strict rules that tell them exactly how much of what to buy and sell and when. ( Articles)

They should also be able to test the rules over years and years of historical market performance to see if they made money had they used the approach in the past”.

For More

Risks Effects All Parts Of Your Life.

Would you rather work for a rock-solid company with a strong benefits package, join a smaller startup with great stock options or start your own business? The potential payoffs escalate as you take on more risk, and so do the possibilities for disaster. The same is true for investments.

For More

We Need To Make Sure Our Educators Give Our Kids The Best Financial Education Possible

Latest research by Jumpstart Coalition, a nonprofit that promotes personal finance education, the average high school student correctly answered just 52.4% of the questions covering money basics.

For More

How can government tell us they are doing enough for kids education. You can fool some of the people some of the time... you know the rest.

Career Planning Can Mean Change

Those looking for a new career direction, whether by choice or because of downsizing, will find reassuring advice in this upbeat guide -- from overcoming obstacles to change to assessing a new employer. This updated edition features inspiring, new stories of people who have satisfaction and fulfillment in their new careers.

Career Change: Everything You Need to Know to Meet New Challenges and Take Control of Your Career

Spontaneous Career Plans, Riding The Rapids Of Rapid Change

Suddenly retrenched, changing living conditions after a relationship split or travel, seeing an unusual job ad and going for it, or recognising opportunities that arise and taking advantage of them.

You may see and grab an opportunity, offer to assist someone for a short period, do a project, or make a spur-of-the-moment decision to do something quite different. Or for someone who is not risk averse, starting a business without a major planning phase.

For More

Take Your Career In Your Hands

Reflect on your job by asking yourself these questions:

• Does my current position utilize my professional abilities and talents?


• Am I maximizing my earning potential?


• Am I doing what I was born to do or something that I'm passionate about?

If the answer is an overwhelming "no," assess your work style and personal characteristics and discover a career field that highlights them.

For Nine Other Ways To Take Control Of Your Career

Mark Cuban On Exquisite Selling.

"In business, one of the challenges is making sure that your product is the easiest to experience and complete a sale."

Mark Cuban, Billionaire Internet Entrepreneur and owner of the Dallas Mavericks

Microfinance This Is Something We Should Really Invest In The Future Of Others

"Poor people, with access to savings, credit, insurance, and other financial services, are more resilient and better able to cope with the everyday crises they face.

Even the most rigorous econometric studies have proven that microfinance can smooth consumption levels and significantly reduce the need to sell assets to meet basic needs. With access to microinsurance, poor people can cope with sudden increased expenses associated with death, serious illness, and loss of assets.

For The Full Brief

To Make A Loan

It All Depends What Questions You Ask, For Your Own Situation. You Need To Be Realistic, Not Negative

AUSTRALIANS are reeling in financial doom, with 2 in 3 saying their financial situation is worse now than it was a year ago and many homeowners could be forced to sell their properties if interest rates rose another 1 per cent, according to a survey.

The survey by NEWS.com.au and polling firm Coredata has found more than one in two Australians, or 67 per cent, believe their financial situation is worse now than 12 months ago. This is a significant increase from 46 per cent in a November survey.

For More

The Why's Of Choosing A Credit Card

For the vast majority of customers you do not have to overly concern yourself with whether a credit card is MasterCard or Visa.

You would be better off concentrating on the interest and other charges on the card, the balance transfer possibilities or their reward scheme. You are very unlikely to ever be effected by the fact that it is one and not the other.

For More Of The Why

Pay Those Cards Off in Full

Only about 40% of us, or 30% of U.S. households overall, regularly pay our balances in full.

Credit card issuers still make money from our transactions, thanks to fees charged to the merchants, but that amount pales compared to the sums collected from people who carry balances.

Merchant fees are typically 3% or less, while the average interest rate is 12.38% for a credit card without rewards and 14.38% for a rewards card, according to IndexCreditCards.com.

For Nine Reasons To Love Credit Cards

Get an Assistant

An assistant allows you to leverage your time in the best possible way.

A good assistant will allow you to get to the important things faster, while keeping the non-important things from cluttering your radar.

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Make Sure You Know Just What You're Getting Into With Debt Consolidation

Do you ever hear those commercials on the radio about debt consolidation? Do you ever wonder how they can advertise so much?

Most consumer finance companies that offer this service charge very high interest rates. These companies will appear to be your friends but you need to watch it very carefully.

For More

Could Property Prices Fall?

Will Australia follow the UK where house prices have fallen for the past seven months?Credit tightening, the sub prime loan scandal and a recession has hit the US home market where prices have fallen. Credit is difficult to obtain and not everyone can get a job. Demand is down.

The UK situation is an indicator of what is to come in Australia which is largely insulated by the resources boom. The decline in the UK housing market accelerated this month with prices falling at their fastest rate since the recession of the early 1990s.

For More

Do What Your Good At, Let The Book Keeper Do What They Do And Maximise Your Potential

Many business owners do not know how to keep books. There are all kinds of tax write-offs and discounts you can receive by using a bookkeeper.

Besides, the headache of keeping track of expenses can be grueling and painful and may up end costing you more money in the long run.

For More

Had To Appear Sometime, Bookkeeping For Dummies

The painless way to master the art of bookkeeping!

If you're a small business owner who manages your own finances, Bookkeeping For Dummies is for you. This friendly guide covers all the basics of bookkeeping -- from recording transactions to producing balance sheets and year-end reports.

It's the easy way to keep track of your business's financial well-being.

Bookkeeping for Dummies

Can Yoga Make You Rich?

Instead of telling us to change our external behaviors, yoga helps us understand what's going on inside us. It helps us gain a better understanding of who we are, why we behave in certain ways when we're stressed or anxious and what the root causes of our suffering are.

Studies already tell us that yoga can help sufferers cope with back pain, multiple sclerosis, insomnia, cancer, heart disease and even tuberculosis.

This same awareness also can help us tremendously when we apply it to our finances.

For Four Great Ways Yoga Can Help.

How To Protect Our Financial Secrets?

If you haven't heard about this latest threat, it's chilling. It seems that hackers broke into the Web servers of large, trusted companies around the world -- US-CERT isn't revealing just which ones, but confirms that these were not just small or unknown sites -- and planted malicious code.

Consumers visiting these trusted sites were secretly redirected to another Web site, hosted in Russia. That site surreptitiously downloaded software to the victims' computers, which allowed the thieves to copy bank account numbers, passwords and other private financial information.

For The Full Story

Good Beginner Advice On Share Trading

If you are starting out, then a good place to start is to borrow a trading system that works. Test it and get comfortable with it.

Later when you are more experienced, you may choose to adapt it to suit your own personality, circumstances and lifestyle.

For More

Our Nest Egg For Tomorrow

There are a myriad of investment accounts, savings plans and financial products you can use to build your retirement nest egg.

Due to the wide array of savings methods available (each with their own pros and cons) and the fact that each individual will have a different solution based on his or her circumstances and personal preferences, it would be impractical to discuss each in detail.

For More

Screw It, Let's Do It

Global entrepreneur Sir Richard Branson has built a business empire and made billions, yet is renowned for his approachability, ability to challenge and succeed against the odds.

"Screw It, Let's Do It" reveals the lessons from life that have helped him through his business and personal life - such as, believe it can be done and that, if others disagree with you, try and try again until you achieve your goal; or that you must love what you do.

Screw It, Let's Do It: Lessons in Life

Branson Feels The Credit Squeeze Too!

RICHARD Branson's Virgin empire has come under severe financial pressure as the credit crunch and spiking oil prices wreak havoc in most of his businesses.

The man ranked last year by Forbes magazine as the world's 236th richest person, with a personal fortune estimated at almost $US8 billion, is preparing to absorb a few financial hits as growth slows in his key markets - Britain, the US and Australia.

Chief among Sir Richard's concerns are his airline businesses, including the international carrier Virgin Atlantic and the Australian domestic operator Virgin Blue.

For More

It will be an interesting learning experience to watch a financial adept, like Branson, handle this same problem we are all feeling; remember he has more to lose than us.

Approach Tax Time With Planning Not Dread

IT is easy to view tax time with dread, particularly if you are one of those people who store all their receipts in a shoe box until July.

However, mental pain is not the only problem for those who take no interest in tax matters until the end of the financial year.

There can be big financial losses in some cases, but equally there can be huge financial gains for those who plan correctly.

For Finance Experts Opinions

The Denominator Effect

However, one ingredient in the general downturn in asset values – and in alternative assets like infrastructure or hedge funds in particular – may be what has been described as the "denominator effect".

The portfolios of most super funds/pension funds are quite highly structured, with ranges for allocations to the various asset classes that may be reasonably broad but which are generally rigidly adhered to.

For More

Branson On Stepping Up

"I wanted to be an editor or a journalist, I wasn't really interested in being an entrepreneur, but I soon found I had to become an entrepreneur in order to keep my magazine going."

Richard Branson

Branson A Virginity Lost

Branson has written his own "rules" for success, creating a group of companies with a global presence, but no central headquarters, no management hierarchy, and minimal bureaucracy.

Many of Richard Branson's companies--airlines, retailing, and cola are good examples--were started in the face of entrenched competition.

The experts said, "Don't do it." But Branson found golden opportunities in markets in which customers have been ripped off or underserved, where confusion reigns, and the competition is complacent.

Losing My Virginity: How I've Survived, Had Fun, and Made a Fortune Doing Business My Way

The U.S. Credit Crisis

"The credit crisis could get worse, making it a tough time to take advantage of good investment opportunities," hotel mogul Barry Sternlicht said at yesterday's 30th annual NYU International Hospitality Industry Investment Conference at the Waldorf-Astoria.

Donald Trump also advised investors to start buying real estate, something he has advised against for years.” (The Real Deal, June 4th)

For More

Branson On Business

"A business has to be involving, it has to be fun, and it has to exercise your creative instincts. "

Richard Branson