Making Money Online Blog

Millionaire Joe asked:


Are there any programs out there that I can make money online free? Most of the free ways I’ve tried failed and I need money.

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Kent Harper asked:




Debt consolidation loans are becoming increasingly popular in Arizona, including Phoenix and Scottsdale. As the consequences of the economic slowdown become apparent, overwhelming personal debt is a reality facing many. Debt settlement is increasingly gaining popularity. But what is the right choice for a given individual? The only true way to know is to read up on the options. Many will want to consult with several experts in different areas about their particular situation.

In addition to consulting with a Phoenix bankruptcy attorney, you may want to speak with a few other experts. A new breed of debt professional is the certified debt arbitrator. These experts are unique in their qualifications. They often have special relationships with creditors. They can quite possibly help you avoid bankruptcy. Since they are trusted by these creditors, they can negotiate in a way that is out of the question for most individuals. They are a good starting point for most people interested in really getting a handle on their personal debt.

In Arizona as well as the rest of the nation, debt settlement is very different from debt consolidation. The former may result in reduced overall balance, sometimes by as much as 60%. A consolidation loan is simply a wrapping up of all of your individual accounts into one monthly payment. There is no reduction in overall debt, as there is with debt settlement. Because of this, debt settlement is gaining popularity in Scottsdale, Phoenix and Arizona overall.

Many people are concerned with the after effects of debt settlement. There is the general perception that debt consolidation is better in this sense. Most are surprised to find that if their credit is already damaged, debt settlement is little more than a short-term, slight diminishing of credit worthiness. Again, if an individual’s credit is already being affected by overextended credit cards near their maximums, it shouldn’t make any difference. Your creditors will stop calling you, and, if you follow through, your credit will inevitably return to a good rating.

When you are looking into debt settlement, remember: not all debt settlement groups are the same. Since these types of businesses are unregulated by the government, they are not all scrupulous. Look for the most of the following in a debt settlement professional: a good rating with the better business bureau, chamber of commerce membership, no unreasonable fees and no upfront fees. Lastly, make sure that you feel like the person can communicate with you and actually address and understand your concerns.

Speaking with several professional, including a phoenix bankruptcy attorney, a debt settlement specialist and a debt consolidation loan officer, makes the most sense for many reasons. You can make the most informed decisions possible with the help of credit counseling and input of varied professionals.

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Darin Sewell asked:




Credit card debt is at an all time high in America and is the leading  cause of personal bankruptcy fillings. While many people feel there is no way out  of this mess you can pay off  your debt and save money with some simple lifestyle changes and smart spending.

The first step is to take a look at luxury items you use, items like cell phone, cable TV or Internet access and see how  much they cost you every month. You may be shocked at the amounts you are paying out for these items every month.

Cellphones for example cost the average person over $100 per month. This is largely due to calling plans with excessive minutes or over used text messaging. By trimming your plan down to the bare minimum and limiting the use of your phone  you could save a fair amount of money every month.  Switching cell plans can save as much as $50 per month for some people

Cable Television is another prime example. With many consumers paying extra money for hundreds of channels or premium movie channels they never watch. Be honest with yourself and choose the most sensible cable package.  By. trimming your cable bill you can easily save $20-$$50 per month.

Take a look at hidden expenses as well,small daily expense really add up over the course of a month.. That cup of $2 coffee you buy everyday adds up to a hefty sum at the end of every month.  Or what about the $5 pack of cigarettes you buy everyday? Even buying  a $1 soda at work every day costs you $20 a month. instead buy a 12  pack at the cost of $5 and bring a soda with you.

Paying down your debt will take time and will power but by taking an honest look at  your spending habits you should be able to find ways to save money  that will allow you to apply the savings towards your credit cards, this can help pay down your debt faster then you think.

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Paul Hockney asked:




Believe it or not the government is here to help when it comes to debt relief. Government debt help is available to mainly businesses and corporations but the government does offer debt consolidation loans if you want to go that route. But it is a loan which means you will have to pay it back.

Federal government debt help recommends consumer credit counseling services which helps you to consolidate your bills and make a monthly plan to pay your bills off in a timely manner. They will help you by calling your creditors on your behalf to negotiate a reasonable repayment plan. The counseling part is for your benefit, but they help you to see where and what needs to be changed in your behavior, such as spending, in order to get your finances in order and keep them that way.

Beware of some consumer credit counseling services, recommends the government debt help page on a governments website. Just because a consumer credit counseling service says they are “nonprofit” doesn’t mean their services are offered for free, or they are affordable or even legitimate. You must check the references even if they say they are a “non-for profit” organization. You can also check with the Better Business Bureau in your area for any claims against the consumer credit counseling services.

Another thing you must beware of its government grants. If you’ve seen any of the commercials on television or looked at any of the ads in newspapers and magazines, you will see that there are many advertisements for government grants. They promise you government grants that you can spend on anything you want. To pay down your debt order by something frivolous like a yacht or to go on a year-long vacation all over Europe. But these government grants are just scams, no one is going to hand you money to pay off your credit card debt. If you are doing something for endangered wildlife, there may be a grant for that, but there are no government grants for individuals who just want money for themselves.

If you are unable to come up with a workable budget and stick to a monthly than the consumer credit counseling services recommended by the government debt help website is for you. Many universities, military bases, housing authorities and US Cooperative Extension Services operate non-for profit credit counseling services to the government debt help centers.

Government debt help will help you if you own a small business and have gotten into too much bad debt. Or if you’re a large corporation and need help with bad debt the government will step up and help you out with either grants or loans, mostly loans, to help you maintain your business or corporation.

There are many places to obtain bad credit debt help including lawyers, debt consolidation loans, debt negotiations and consumer credit counselors. No one is able to erase or eliminate your debt completely but it can be negotiated down to a more manageable monthly payments.

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NazStory asked:


In need of someone who is serious (don’t need to be experienced but yea experienced is recommended) about making money online.. I’m just a student who is seeking for help and begging for tips and .. help… If you are willing to help me or even better work with me making money online (my hotmail: rul8illusion@hotmail.com and website: http://www.nixquadre.co.nr) i’d appreciate if you contact me… Not just one of you; all of you.. im more than happy to be workin with thousands of users… PEACE

p/s: no.. not ebay…

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jeanlovesdan asked:


Besides surveys and crap like that , are there any real ways to make money. Maybe places to get a job working on the net?

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Fabio Marciano asked:




The Debtor’s Dilemma Picture this debt nightmare. You have just created your first net worth statement and you have decided that priority one is to pay down your debt, but you agonize over sending every last cent toward your outstanding debts because you have nothing in savings. You also have read 68 books on personal finance and know that you are supposed to have at least 3 to 6 months set aside in an emergency fund just in case you have, well, an emergency.

So what do you do?

I come across this question so frequently, that I had to write an article addressing the situation.

An emergency fund is definitely a must have in terms of financial security. You really should NOT start investing in anything until you have set aside some money for the unforeseen expenses that are part of life.

On the other hand, you also know that paying down high interest loans and credit card debt is also an important step toward building your secure financial house.

So which is better: paying down your debt or building your emergency fund?

And which is best for you? Read on to find out.

In order to answer the question of which option is better, paying down your debt of funding your emergency fund, I think you have to look at three main areas:
Return on Investment, Stability and Peace of Mind

Return on Investment If you pay down debt with your extra monthly cash flow, you will get a better return on your money than if you funneled it into a low-risk, low interest paying savings or money market account. When you pay down high credit card debt you are effectively earning whatever rate of interest your credit card charges you.

If you are paying 15%-20% interest on your cards, I hardly think there is anyone who could come up with an investment option that would provide those returns guaranteed.

WINNER: Paying down your Debt

Stability What do I mean by stability? I mean to ask you how stable your financial life is and can you weather a storm of unforeseen expenses.

You do not want a blown boiler or doctor bill derailing your financial freedom plan. Having a kitty of cash set aside is important to pay for those unforeseen expenses. But getting your debt to income ratio lower is just as important.

If you lower your total outstanding debt, you should be lowering your monthly minimum payments, thus increasing your free cash flow.
WINNER: TIE

Peace of Mind For years I lived paycheck to paycheck and I was miserable. Instead of having a well-funded emergency fund, I decided to invest a set amount each month into mutual funds and then I spent whatever was left over. I had maybe a month or two of living expenses set aside in a savings account.

One winter my car died on me and I had to buy a new one, which wiped out my savings and added a new monthly expense. Several months later I barely had enough cash for a wedding present for one of my closest friends. It was then that I realized that I had to make some changes.

So what did I do? I became more responsible of course!

I quickly cut back on most of my frivolous expenses and started building up my reserves. By the end of the year I had several months of living expenses set aside and today I can sleep at night with no worries of missing a payment or defaulting on my loans.

WINNER: Funding your Emergency Fund

Tie Breaker So we have a tie. How do we break it?

You decide what’s best for you.

So what option is best for you? So which of the above three are most important to you? If you want to get out of debt as fast as possible and don t care if you have an emergency fund, you would be best served if you use all available funds for paying down debt.

If you toss and turn at night thinking of that mountain of debt you are carrying every day, you might sleep better knowing that if you lost your job you have cold hard cash set aside to pay your bills for the next six months.

Why not do both?

So why bother choosing either one? Why not do both?

This is what I did and I am sure it seems like a copout, but you get the best of both worlds when you attempt to do both at the same time. You also get the satisfaction of knowing that you re paying down your bad debt and you get the peace of mind that comes with having a little change in your pocket.

Hey, You don’t need to save 3 months right now!

When I first work with people on cleaning up their financial house, they instantly gasp and make this funny look on their face when I suggest that they need to set aside 3 to 6 months of living expenses. “I can’t save that much” or “What about paying my debt off?” they’d ask.

Yes, it s true that 3 or 6 months of expenses is a lot to set aside, but the truth of the matter is that you do not have to set the 3 months aside tomorrow. You can do it over time.

Start small by immediately saving enough for one month’s expenses. This is an arbitrary number of months, but it is a good starting point to shoot for. In the meantime, pay the minimum on your credit cards if you have to, but save enough for that one-month’s worth of living expenses.

Then when you have got that saved up, deposit a set amount each month into your emergency fund and plow the rest of your free cash flow into paying down your debt.

Building your emergency fund dollar by dollar If you skip a night out on the town, put the money you would have spent into a cash can (a plain old empty coffee can or jar will do). When you cook dinner instead of going out, put that money into your cash can. Every night put your spare change and a little extra into your emergency fund. Repeat often.

Every weekend, go to the bank and deposit that money into your emergency fund account. You can choose to wait until you have enough money to roll your change into packs that your bank likes. Avoid those change machines at the shopping center. They charge you close to 9% for the privilege of counting your money i.e., doing something you could easily do.

Now you are well on your way to building your emergency fund and paying down your debt. Once you have three or four months of living expenses set aside, start accelerating your debt repayment plan.

I am Paying Down My Debt, But I Have NO Free Cash Flow What if you are living right to the edge and don’t have much money set aside?

Hold the mother of all garage sales, take on another temporary job, scale back your living expenses, move to a lower cost neighborhood, sell your expensive car and buy a used one (read: cheaper one). All of these are things friends of mine have done, so I know that they can be done.

The key is to commit to your goal of funding your emergency fund and make it priority one. That means it is more important than that latte at Starbucks or going to see the latest blockbuster movie.

Stay focused and committed to your goals and think of ways to cut your expenses.

Create that debt repayment plan and stick to it.

One day you will wake up from a wonderful night’s sleep and find that your bad debts have been paid off and you have enough money in your bank to weather a financial storm. It is a dream I have often, but it is a dream I am actively working toward making into reality.

I hope you will create your debt repayment plan today, put it in motion and start dreaming of that day as well.

Kansieo.com

ravi_kr10 asked:


Please tell me about any online home job,like data entry ,email reader etc to make money online by internet .i know its not easy but i want the among the all hard working .i am trying adsense but in vain.suggest me .scamer be alert and abusive words to scamers .i heartly bless the person giving positive post .thank u

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Brian Miller asked:




Debt consolidation is the process of combining several debts or loans into one new loan and covers all the unsecured debts, like credit cards, medical bills and utility bills. The end result is one monthly payment instead of several. The single payment amount is lower than the total of all payment amounts of the original debts thereby making it easier to meet monthly obligations.

You can take the “do it yourself approach” or sign up with a reputable debt consolidation company. There are pros and cons to each

Using the do it yourself approach involves combining all unsecured debts into one new loan. Usually, to get a lower rate, you need to put up some collateral, such as a home. If you default on a secured loan, you could lose the property you used as collateral.

If you take out a consolidation loan yourself and combine all those debts, you don’t owe less money. You may get a lower interest rate but you still owe the money. That is one disadvantage to do it yourself debt consolidation; you end up paying more money in the long run. You get one monthly payment but you have extended the loan. Consequently you have greatly increased the amount you have to pay as you are paying more interest on the extended consolidated loan.

Alternatively you could learn to negotiate with the creditors yourself to get a lower rate and to stretch out the payments (at a reduced rate).

A respectable debt consolidation company can eliminate accrued interest and finance charges on your behalf. That will significantly lower your outstanding debt. They charge fees for the service but if they reduced your total outstanding debt then you still may save money in the long run.

Finding a legitimate company will take some research on your part. There are many resources online to help you. There are risk and advantages so beware.

After you have found a potential company then write down a list of questions to ask.

Bottom line is debt consolidation can be a legitimate debt solution if used correctly. Be prepared, and beware.

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dork_folyf asked:


Is there anyway of making money online even thou you are under age for a real job? Like surveys or such?

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