Ending of the Year 2009

The end of the year usually people play fireworks. A lot of things happen in the year 2009. however, everything that happen will remain in the history.

I don't have fireworks to burn. This year lead me to the art of trading forex and playing Farmville on Facebook. My FXOpen account manage to stay green this year. I was playing micro but it's fun and helpful in paying my car down payment. Forex really help me in my financial issue. My salary is way too small to support a normal lifestyle.

Never mind, I don't care. I want to proof to myself that a small salary is not the problem but I was getting a bit worry about my financial security. So far, forex help me to pay for my extra income. I'm looking forward to trade even better next year. By the way, this is my last blog post of the year 2009. I'm planning to write more post next year. Happy New Year 2010.

Year End 2009 Trading Report

The end of the year 2009 is around the corner and the trade is going a bit wild. Christmas day fall on Friday and I have to avoid the trade because the server was closed at 2200. Even if I trade, there will be a big spread until 4 of January 2010 and reduction of leverage to maximum of 100.

I'm talking about FXOpen forex broker. This is the most affordable forex trading server for average trader like me and maybe ... you too. I trade micro account and so far winning 30++ US$ roughly. For me, it was great, after trading for approximately one month or two.

So far. I'm trading EUR/USD pair based on 4H time frame. The pair is going down but in a larger scale (Weekly time frame) ... the pair is just started to move down in a very drastic way. So, I short the pair but unfortunately, 4H time frame is going up. I do get the profits but I fail to take it due to my perception that the pair will continue to go down. So, I lost some pips there but I'm still can captured a few pips on the last day, which enable me to stay on the winning side.

Holy Grail Forex Trading System

Trading forex is by far the most famous way to make money or losing money online. As a seasonal forex trader, I'm looking for Holy Grail trading system. As I move around the net, I've came across the site which said;

Stop searching for the holy grail forex system, it does not exist.

Well, I think the word is true. A lot of people are in search for this never exist item. It's the idea that keep on going and will have no ending. Most of forex trading system provider out there will clearly state that they will end the search for Holy Grail forex trading system. This is their trick to make sale and most newbie will get attracted to this (including me).

So, the real holy grail to trade forex is to take your time to learn. One of the most critical factor in forex trading is psychology. Failure to control emotion and so forth will results in losing the trade. "Babypips.com" is an excellent forex trading site for all level of forex trader.

EUR/USD Analysis: December 12, 2009

This pair start to make a bearish movement after uptrend was completed at 1.5144 from 1.3748 level. Bearish momentum is now in favor but this is not a confirmation of a downtrend. Breakout can be seen on daily chart, which break the bullish tunnel to go down. Bull is losing control, and the bear is now back in control.

However, bearish trend will end if the price move above 1.4800 and the price will oscillate for a while as the bull is fighting the bear. If this happen, trading should be avoided. Only when the line is clear then the trade can be made. Well, this is the plan for my weekly forex trading.

Reformat Windows XP Operating System

Always, there's a need to reformat your computer operating system. When operating system is ready, there's a lot more you must do for your computer to run smooth according to your needs and computing style. Let's make it clear that we are talking about Windows XP operating system.

First thing to do after installing Windows XP operating system is to install your hardware driver such as sound system, graphic driver, chip set driver, and much to say. Usually, according to my computing style, after I'm done with driver installation, here is my list:

1. Adobe Flash player - without this, I won't be able to watch video on You Tube.
2. K-Lite Codec Pack - this codec encode various video and audio format. Failure to install this software will results in a bad multimedia experience on your PC.
3. Avira Antivirus - This is free, but quality is not bad. Upgrade to pro version is even better. But, I don't have enough money yet to go for a better one. This is cool for me.
4. Mozilla Firefox - This is my fav browser for a maximum browsing experience.
5. Adobe Acrobat Reader - Need this to read Portable Document Format (PDF) file.
6. Meta Trader 4 - It's good to make this trading platform available just in case the market is going GOOD. I'm just a retail forex trader and this can help to make some extra money.

Well, that's all for my list. It may differ as I upgrade my interest from time to time. However, this is my default basic package.

Violent Period of Time for Forex Trader

The last week of the month is always a dangerous period of time to trade forex. I don't know why but maybe a lot of important economic news were released, which affect the market movement towards the trend. The market still stay on trend, but not in the right movement. The range of movement is a bit higher than usual. So, if your account is very 'sensitive' you may need to avoid making any trade during this time.

If you want to make any trade, make sure your account is big enough to avoid any stop out during the opposite movement. Technical indicator doesn't show you the right precise direction of the market, but still ... it's good to trade aggressively during this time. I still need to learn something about this phenomena after my account was cleanly wiped out for trading the dangerous time.

First week of the month is the best time to trade forex. However, you have to be aware of NFP news release every Friday (first Friday of the month) to avoid losing a big movement. Happy trading and be a good trader.

"Stop Out" You Hit Me!

I was hit by Stop Out (S.O.) while trading FOREX today. It's Wednesday and I feel bad that my FXOPEN trading account go flat. However, I still manage to stay "green" because I've made more than 5000 cents pure profits after two weeks of doing this. I've withdraw around $50 so far, but unfortunately ... after a big profits from Babypips (Pick of the day) trade idea, I tried to be smart which end up with Stop Out.

The problem is, I go against the trend without any stop limit. I set the profit limit and leave. When I check it again, everything is close due to Stop Out. On daily time frame, the movement is turning red (going down), but H4 time frame suggest a blue movement (going up). As I put my trust into the wrong time frame, I go flat. Now, I understand that my technical indicator is compatible with 4H time frame. Next time, I have to trust H4 time frame pattern.

Why Network Marketing Is Not Direct Selling?

Controversial question. Most people get it wrong by saying that network marketing is equal to direct selling. Network marketing in a modern perspective is no longer equal to direct selling. Network marketing and direct selling are not the same thing.

If you sign up for any network marketing company out there, try asking your up-line or any of your group leader about this question. Their answer may determine their understanding about network marketing.

Trade Forex For Side Income

Many people trade forex for a living. As for me, I trade forex for side income. Forex trading is a risky business, but the reward is pleasing. Other group of people do the MLM business for side income. For some people, asking someone to sign up for a network marketing business is like asking a tiger to eat grass. People who feel this way can trade forex to make money for their side income, if not for a living. "I don't want to disturb other people!" they said.

Network marketing people minded focus on developing something (business) that will have no ending. It will keep going on even after death. This is the beauty of network marketing business model. But, it's not for everyone. For people who feel comfortable of getting the reward for what they do, forex trading is a good answer. Why don't you trade forex for side income?

Whether you choose to trade forex for side income or not, it's your decision.

Message From My Inbox

Maybe you think you know what "coaching" programs are. Well, I bet you don't know it the way Chris does it. This guy is GOOD at it, and he can help you achieve mind-blowing success so fast it'll make your head spin. Just listen to what his students say. It's unreal. That's a tremendous opportunity on its own, but now I'm going to make it even better ...

Well, almost anyone know what coaching is all about. But then, who is this Chris guy? The main thing is, this guy talk about internet marketing. You know, make money online kind of thing. Above is a fraction of message from someone, in my inbox. Maybe, you have receive the same message before. What I want to discuss here is the way these big guy write message that make money.

First, he is promoting something from a guy name Chris. It's a coaching program which is very familiar for most people. But, he make it different by looking at "coaching" from Chris point of view. Really nice tactic. Then, he explain briefly why Chris coaching program is good. Common sense, who want to explain the bad side, huh?

Lastly, he write "I'm going to make it even better" which mean, he offer some bonuses for those who sign up via his affiliate link. When someone sign up, he got the money. But, it's important to keep in mind here that this is an opted message for an email list. Without targeted name list, it's useless to write message like this.

Why People Trade FOREX?

People trade forex for various reason. Most of the time,
the reason is money. People want to make money, and
forex is one way of making big money very fast. But,
forex trading is dangerous, if you don't know how to
do it properly. It's one of the fastest way to lose money
other than being rob.

However, people who trade forex are aware of this risk,
so they risk the amount of money they can afford to lose
so that they can keep their normal life style. It's clear that
the primary reason for people to trade forex will always
be one, and that reason is to make money.

Weekly Forex Trading Outlook

Usd/Jpy is trending down based on 4H time frame.
Forex trader may short the pair to make profits.
Gbp/Usd and Eur/Usd is going up (based on 4H
time frame). Usually, at the beginning of the week,
I put demo account into the test. When the trend is
clear and stable, then only I put my live account
into the trade.

Oh, by the way, I choose FxOpen as my broker.
MetaTrader4 is my official trading platform.

REDtone Mobile: An Introduction

REDtone Mobile work closely with Celcom. However, REDtone does not belong to Celcom. In their smart move in communication industry, REDtone introduced a hybrid plan, which combine both postpaid and prepaid plan. Celcom, Digi, and Maxis are three main companies in Malaysia which operate the same business and competition is tough.

Now that REDtone mobile get into this competition, things are getting harder. Question may come out, asking whether REDtone Mobile can survive in this gigantic competition. Can REDtone fight the big boys like Digi, Maxis, or even Celcom? If REDtone can fight Celcom, it doesn't matter to Celcom at all because Celcom can still make some profits through their joint venture with REDtone. It's a win-win situation for Celcom and REDtone. The question is, why REDtone joint venture with Celcom? Why not with Digi or Maxis?

One significant uniqueness of REDtone Mobile is because they offer a rewarding business opportunity for their customer at all level. This is the strategy for REDtone Mobile to survive. Those who interested to make money (instead of spending money) with REDtone Mobile can sign up for RM100 to get a starter pack, loaded with RM80 airtime for 2 months. You can make money when you refer someone to sign up with REDtone Mobile. Recurring commission awaits every month. What a cool opportunity from REDtone!

The only problem is, it's not easy to ask people to change their mobile number.

Why Bad Thing Happen To Good People?

Bad thing happen to good people because good people doesn't exist. The answer is very simple, but sometime, people don't get it. Doing a lot of good things doesn't guarantee that bad things will not happen. Inversely, doing a lot of bad things doesn't guarantee that good things will not happen. So, it's not easy to explain something like this. Good thing always happen to bad people, and good people sometime struggle with bad thing.

According to Equilibrium Theory, bad things and good things happen mutually. This mean, if one good thing happen, another bad thing happen. The scale may not be the same, but the magnitude is equal. But, keep in mind that this is just an assumption.

Approaching NFP

At the end of Asian trading session, GBP/USD fall down like a falling rain from the sky. I was able to capture some pips from this bearish trend on a daily time frame. The slope was steep enough to make the next trade. Situation like this creates a sense of corrective bullish trend.

EUR/USD also behave the same way on 30M time frame. However, I won't be able to capture any green pips because I set the sell limit too high, so I missed the big move. The same corrective bullish trend was expected for this pair. So, we have to wait for any significant movement of the market before we can execute any trade (just to be save).

This week, we have to be careful because NFP news release on Friday will shake the market on a gigantic scale. Non-Farm Payroll (NFP) is a very sensitive economic news.

Weekly Forex Trading Report

This week, I end up winning USD12 in pure profits trading forex via FxOpen. With initial deposite of USD15 into my new micro account via Liberty Reserve, I have another USD15 to fight in order to break-even and keep my account clean. I was trading the unknown strategy based on my own perception about the market (market sentiment).

After sometime, I manage to go highest in my weekly trading for as high as USD50 in my trading account, with pure profits of USD20. I was trading the USD/JPY pair with the trading strategy based on Babypips trading strategy (Trade of the day) which is very profitable. I manage to take profits around USD12 with Babypips.

However, I start losing the trade after that, which turn me back to break-even point. Slowly, I start to lose the trade. Just before the market close, I manage to make some profits and close the trading session for this week at USD42 with pure profits of USD12.

Babypips Trade Idea

I was trading the signal from Babypips blog, Trade Of The Day. According to the author, USD/JPY pair is bearish. So, the idea is to sell the pair somewhere around 92.00 and take profits around 100 pips. However, I choose to take profits below 100 pips, just to be save. I'm trading the real account with FxOpen and so far, things are going good.

My Forex Trading Style

I was waiting for the trade update from Babypips. Trade of the day is my favorite Babypips blog and the track record is clean. Babypips is a cool forex guide for newbie.

Personally, I choose FxOpen broker to trade forex. I prefer to depose fund via Liberty Reserve and make payment through Evogate. This is not the first time I trade forex. The first season is over and I end up blowing my own account.

I trade GBP/USD, USD/JPY, and EUR/USD pair only. I need to focus on these 3 pairs before I trade the other pair. I do the day trading because I work from 9 to 5 daily and don't have the time to do the trading during my working hours.

Usually, I set the take profit target when I make a trade. With moving average indicator alone, using 14 moving average, I make decision (by default 4H time frame). However, I still observe other time frame before I make any trade.

Forex Accumulator Review

Forex Accumulator is a trading robot (in a no-nonsense explanation, Forex Accumulator do the trading for you). We all know that forex market is very volatile, which mean you can make a lot of money very quickly, or lose your hard earned money very fast.

Most people trade forex to make a lot of money, so am I. Now, what can you do with Forex Accumulator? Basically, Forex Accumulator capture profitable trade automatically and deliver profits to you. I don't know how cool is Forex Accumulator so far, but it's easier to try it out first.

I'll give it a try, but not now.

Why Choose FxOpen Broker?

Internet heritage can make money trading forex for real. But first, broker selection is very important. So, I choose FxOpen broker. It suit my needs. I can start my live trading for as low as USD1 plus bonus for first time deposit of USD1 for Micro account. However, the total of available fund in my account will be USD1.85, due to deduction fee from Liberty Reserve (because I choose to depose fund via Liberty Reserve).

Note: Treat forex as your business, not another gambling game.

The Return Of Forex Trading

Forex trading is back into my excitement. The idea of working from 8-5 is not cool. Since my existing forex account was inactive for a period of time, I dropped it. I start a new cycle with FxOpen broker. This broker offer a new trader with Micro and Standard account, so I choose to play the small game (micro account).

Note: I highly recommend FxOpen broker to trade forex.

But first, you have to understand the risk of forex trading. The risk is, you'll make money or you'll lose your investment. That's all. You will not end up with any debt, unless you borrow money as your initial deposit.

So, I sign up with Liberty Reserve to manage my forex account. It's easier to handle it this way. Electronic currency is very flexible to make online transaction. Now, I'm ready to go!!!

P/s: Don't forget to sign up with FxOpen!

Google Adwords: Make Money Game

Adwords is not the game I would like to play by now. People make it look so easy. When you put your hands on it for the first time, it ain't easy, pal. Google Adwords is a very profitable game for players who can play it well. However, I choose not to play this game before I'm ready for it.

Like many other things, you cannot just drop by and start playing without knowing the rules. You need to have a plan and a good strategy before you go for Google Adwords game, or you'll broke like majority of the players. Learning curve is quite tough and time consuming process.

Even if you learn to play this game from an expert, you will not be able to duplicate the result of your guru. What about Copy And Profits campaign? Actually, I have access to this package but I never take it seriously. I don't really put my campaign alive. The idea is not to play the "make money online" niche. But you should Get Google Ads for Free before you start playing.

Project One Hundred: Link Wheel Explained

Somehow, I was shocked when I discovered something very unusual about website traffic. It was called the Link Wheel method, created by Lemonarian guy. I never heard this guy before, but as I check it out, he's not an ordinary 15 years old boy. So, how I get in there?

As usual, I check my favorite site, http://www.c***c***t.net (this link is too dangerous to reveal) for any updates. And well, there's an update, a post about Link Wheel method, which I never heard before. So, I give it a try. It's the report of only 10 pages which explained the Link Wheel method precisely. It was very unusual.

At the end of every page in the report, there is a footer note which refer to the website from which the report originated. The link, http://www.lemonarian.com is way too interesting to ignore as the report was very interesting. So, I made a visit over there, and stumble upon the first comment by the other visitor (it was a blog site). The link brought me to another website called IM Remarkable, http://www.imremarkable.com which is cool, but no longer active.

As a conclusion, I highly recommend you to download your free copy of Project One Hundred by Linus which explain the Link Wheel method to increase your website ranking effortlessly. Here is the link in case you want to find out:

http://www.lemonarian.com

Low Loss Ballast

I was wondering, what is the meaning of low loss ballast. I don't even know the meaning of word "ballast". It's funny but it's true. As I googling around, I finally find out that ballast is an electrical device used to start a lamp or similar device. Ballast, also known as choke is an inductor.

Internet make things like this become extremely easy. So, how was I connected to this ballast thing? I need to find out why fluorescent lamp low loss ballast is not cheap. Basically, low loss ballast reduce electrical energy loss into the heat energy, which increase efficiency of the lamp. Anything with high efficiency is valuable, which is expensive.

Need to find out more about fluorescent ballast?

Click here --> http://www.lightsearch.com

Personalized Mass Emails Made Easy

How to send personalized mass emails in Outlook? It's easy when you know how to do it. All you need is your ability to read and understand simple English, Outlook email client, and internet connection. Step by step tutorial is available here:

http://www.makeuseof.com

Warning: Please don't misused information
to spam. Be responsible, keep our internet
clean and clear.

P/s: Read it now while it's free. The next time you click,
you have to pay to get access into information like this.

Beware Of Igetworld Reseller Program

Before you make your decision to join Igetworld Reseller Program,
you better read Kehancuran Program Reseller, article written by
Mohd Suhaimy. The article is located at Wangcyber website.

Igetworld is a reseller program. All you need to know about
reseller program is revealed inside the above mention article.
Don't hesitate to read the article to find out what Igetworld
is all about (since Igetworld is a reseller program).

You don't want to be the next victim of something like this.
But, if you like "skim cepat kaya" in the other form of existent,
this is perfect for you. By the way, you don't need to agree with
me in this matter, because this is my own personal view.

Disclaimer:
I'm not against Igetworld. This information is published to
provide general information about reseller program.

Forex Blueprint System

According to ForexBlueprintSystem, any promise that claim
to make thousands of dollars in just a few hours of trading forex
is rubbish. Forex trading system developer will more likely to fail
on delivering such promise.

By the way, ForexBlueprintSystem enable you to:

• Learn the secret of short term trading
• Avoid lengthy forex trading time
  
• Aim for 120 PIPs per week
  

I don't know who bought ForexBlueprintSystem into the market,
because author's name is not clearly stated on their website. However,
it's good to try this thing out, since it's not very costly. I have this this
product in my digital warehouse. Quite COOL.

Desperate Need For Good Content

Good content is not easy to create, but good content is king.
There is a desperate need to create good content. Good content
can make money because good content attract more visitors to
your site or blog. One of the famous IM guru always remind me
that more visitors equal to more income. Really?

The good news is that you can buy "good content" out there. The
price is quite expensive but competitive. Good writer make money
writing "good content" for people who willing to spend money for
"good content".

There's a lot of software to create good content and modify existing
good content to create another good content which have the same
meaning and idea. The fact is that software creator make more money
than the other group of people who want to make money by creating
good content. But the weird part is that the paid software is always
available for FREE. Crack version that function like full version.

Is PendapatanLumayan Right For You?

Sadly speaking, ebook PendapatanLumayan by Adam Akhir is available for FREE. This is a good news for freebie hunter. However, I'm not going to reveal the link here. I'm not trying to be good, but ebook PendapatanLumayan is a copyrighted material.

In this ebook, Adam Akhir will teach you how to choose a good product. He is using an Ecxel template to do this. It's a bit complicated, but it can only be used for Clickbank. Choosing the right product is very important because if you push the wrong product to the right people, they're not going to buy, and you're not going to make any sale. So, you may wonder, how good is that Ecxel template in choosing the right product from Clickbank.

Then, you may need to build your landing page. If you don't have website development skill, you're going to stuck here. So, it's important to make sure that you know something about website design. After that, you'll need to upload your website to your own webhosting. The final part is to play around with Google Adwords. You won't be able to do this without credit card. At least, you must have your own debit card.

So, think again before you buy. You may also consider Monakas Business Package which is a lot more expensive, but you're going to learn everything you need to know about online business.

Here is the link:

--> http://www.monakas.com

Copy And Profit Loophole

Copy and profit isn't worth $77? Some people say YES. Internet marketing expert may say NO, a very big NO. Copy and profit worth more than $77. My side, it's a big YES. Copy and profit isn't worth $77. But why do people buy? And how do I know if I'm not a buyer? People buy because we all know that Copy and profit sale's copy is a hype driven material. Just take a look at the sale page here and you'll notice how bad the hype is.

Easy money doesn't exist. For some people YES, easy money does exist. Copy and profit is not design for newbie, so don't put your hand on this material if you're not an expert. It's like a kid in the cockpit of an aircraft. However, if you decide to put your hands on this item, you're doing it at your own risk. If you willing to buy this thing, you're an expert.

Clickbank Pirate: What Was That

When we talk about the word pirate, we are going to refer to
a group of people who take something illegally. So, Clickbank
Pirate generally present the idea of stealing, but in an ethical
manner. What was that suppose to be?

Actually, Clickbank Pirate will not going to teach us how to
steal products from Clickbank Marketplace. If that is the case,
Clickbank will never allow Clickbank Pirate to be listed on
their site.

It's funny how something like this can happen. It's about to be a
pirate, but it's not. Confusing, isn't it? Well, it's just the term, bro.
The term will make it become memorable, branded, and unique.
So, I've add this product into my lens.

But, if you can't afford recurring billing, Clickbank Pirate is not
for you. However, hypnotic graphic design of Clickbank Pirate
is way too interesting to take for granted. Take a look below:

Operation Affiliate Cash Ebook

Are you tired of reading the same thing on the same subject over and over again without seeing the results you expected? Operation Affiliate Cash deliver some serious information about affiliate marketing in the simplest way to reduce your learning curve.

Limitation Of Magnetic Sponsoring

Magnetic Sponsoring is a great book when it comes into
network marketing. Mike Dillard did a very good job.

However, as the name implies, Magnetic Sponsoring
applied the idea of attraction marketing. Someone
developed the term known as the Law of Attraction
to describe the idea of Magnetic Sponsoring.

The problem is, magnet only attract metals. This is the
main limitation of Mike Dillard Magnetic Sponsoring
concept. It's a sure thing that magnet can attract any
metal, but non-metal is out of the business.

This mean, Magnetic Sponsoring only works for some
people, not all people. So, you need to be certain that
you have some interest about network marketing before
you go for Mike Dillard Magnetic Sponsoring.

Getting Started Is Easy

When you start something, you have to finish it. However, most of us have the tendency to start something and keep it hanging without ending. It's easier to start something, but not easy to make it to the finishing line. It's easier to buy a new car and pay the loan, but some people won't be able to make it to the end. So, someone have to take the car back. What a basic example, huh?

A lot of people want to make money online. I was one of them. To start is easy. Almost anyone can do it right away, but very few can make it to the end. I mean, very few can make money online, enough to support their life style. What make me shock is the fact that some people (very few) bought something like internet marketing course for a few hundred bucks, and yet, never ever download anything at all. This is weird, but this is the truth.

Magnetic Sponsoring 2007 Edition

Just in case you need to know something
about Magnetic Sponsoring by Mike
Dillard, here is a screen shot of the
book in scanned version.

Magnetic Sponsoring is not available
in soft-copy edition, so you won't be
able to find and download any soft-copy
of this book in the year 2007.

According to Mike Dillard, those who refund
the book choose to become unsuccessful in
their business. The real successful business
people invest money for knowledge and
information in this book will lead these group
of people to success in their business.

For your information, Magnetic Sponsoring
is a book about network marketing guide.
You can read the sale copy here:

--> http://www.magnetic-sponsoring.com

Have a great day. Thanks for your visit.

Magnetic Sponsoring: The Final Truth

Magnetic Sponsoring is a book written by
Mike Dillard, a famous network marketing
superstar. The idea is to use attraction
marketing strategy to gain leads.

Magnetic Sponsoring is a revolutionary
marketing strategy to bring in the leads
without having to chase them down like
hunters and scared them to death.

Magnetic Sponsoring show you not to chase
the prospect, because prospect will chase you.
It's completely reversible and damn effective.
Magnetic Sponsoring is the best book ever
written on the subject of network marketing.

Thickness of the book: 67 pages only.

Burglars Have It All Wrong

They break in a rich person's house,
ignore the books and tapes in the library,
and then steal the VCR, laptop, DVD,
and the big screen television.

How do the rich become rich?

From their libraries. And then they
can afford the VCR, laptop, DVD,
and the big screen television. However,
information in the library is useless without
proper actions.

Clickbank Pirate: Will It Work For You?

Clickbank Pirate explain the idea of making money from Clickbank as an affiliate. The core idea is to build a squeeze page. Then, you'll have to work something out with auto-responder e-mail. With Clickbank Pirate you don't have to do it yourself. Squeeze page was done for you to plug it on, and you can choose which one to take.

All you have to do is to make a few modification to your SP (squeeze page), install opted-form and set your auto-responder series. To sum it up, Clickbank Pirate is an Affiliate Marketing course. Can you imagine the amount of Affiliate Marketing course out there? Clickbank Pirate is no different.

So, the bottom line is, will Clickbank Pirate work for you? If you willing to invest a small sum of money to host your own website, you're done. The other thing is your auto-responder account, by which you have to pay a "small" fees every month.

If you have these two elements, you may be able to make money online. But, it's not easy. if you want to make it easier for you, head for Clickbank Pirate membership website. It will work for you if you willing to take action.

Beware Of Internet's Free Gift

Someone e-mailed me, telling me that his friend is giving away something for free. It's the idea of how to generate massive traffic to my website for FREE, without paying a dime. Where got someone willing to give something like that for FREE? It's in video format, about 28 minutes running time. The value of information in the FREE video is worth $97 itself. Someone is giving it away for FREE. In this world, if someone give away something for FREE, it must be something behind the scene.

So, I guess, the idea is like this. Indirectly, this free giver is giving away something for FREE because in return, freebie hunters will hit their site. In general, it says something like, "To get massive visitors to your website, give away something for FREE!"

The problem is that people will trade someone else product's for free, to get traffic in return. So, the copyright issue will soon rise up and take control of this thing. So, you have to be careful before you sign up to get something for "FREE". Free gift is a trap, but some are genuine.

Uncensored Secret Blueprint

I wanted to let you in on a little secret.

An underground marketing friend of mine was testing and tweaking a completely new way of affiliate marketing using CPA offers recently. He was amazed to discover that he had hit an absolute gold rush in the process.

The method he stumbled across was so powerful that one CPA network froze his account with $100k locked inside. They had never seen this level of traffic and conversions and they refused to release his money unless he revealed his secret tactics.

He didn't want to reveal his secrets and was so confident that he could easily use his methods to make his money back. So he was willing to leave the $100k behind, rather than reveal his secret system.

That is a huge chunk of cash to let slip through your fingers. That's crazy if you ask me. You need to check this out for yourself.

--> http://www.scblueprint.com

But, don't pay for it yet. This is not a good time to play around with something like this. Drop it, and you will survive. Ask your free demo before you proceed to pay.

Write Review Make Money

People write review about something and make money doing it. When this idea hit me for the first time, I think it's totally BS. Nothing wrong when newbie like me think of it that way during the time. Now, this idea is very common. Every time digital product was released on Clickbank, the review of that respective product will hit the net.

Internet Marketing Darkest Secrets

If you discover this blog by accident, it's your luck, a really big one. I don't want to say more about the content I'm going to expose over here. Okay, here is the thing. As an affiliate, you can make money promoting someone's else product. Can you really make money doing that? A lot of people don't make money doing affiliate marketing.

This is the real reason, why affiliate marketing course attack internet like crazy. New digital product was born almost everyday. Contents of this newly born digital product almost similar to the other version of the same niche. However, there is no guarantee that you will make money when you bought any of these products, and study it carefully.

Some people never buy any Internet Marketing product, but still can make a huge profits online. People who bought a lot of Internet Marketing products end up losing money and attacked by the famous sickness called, information overload. See how unfair Internet Marketing can be ...

Article Marketing Can Make You A Fortune

Secret Article Profits is all you need.

How can one make money from article marketing? Quite simple really! All you need to do is to be able to write a few articles a day and you're set for extra cash each month. Let me go into detail below:

--> http://www.secretarticleprofits.com/download114.htm

The first thing you've got to do is to identify a niche and a target market. You need not have any prior knowledge of that niche at all, the most important thing is that it needs to be 'nichey' and it needs to have proven buyers with proven products.

The next time is of course, proper keyword targeting. Once you've identified you're niche, the next important thing to do is to unearth those juicy keywords in that particular niche to target.

These group of keywords will form the 'arsenal' for your articles. The next step would be,logically, to sniff out a few affiliate programs or products to sell in that niche.
This is not hard - all you have to do is to Google "your niche + products" or
"buy + your niche".

So what's the most crucial factor in your article? Its your title! Make sure your 'keyword' appears in the first four words of your title.

To continue reading and to find out how article marketing can make you an absolute instant fortune online, please click here:

http://www.secretarticleprofits.com/downloadpdf.htm

Commission Blueprint Final Released

What It Is About? - The same old thing - Making money with Clickbank products promoting via Google Adwords. How many IM products are already available, being created on this subject? Countless. Adwords Miracle, Day Job Killer, Adwords Code, Beating Adwords, Adwords Profits, Google Nemesis, Google Assassin, The Last Affiliate Secret, etc ... and do you really need another course on the same subject this time?

I also had the same question in my mind before I got my access to Commission Blueprint. The answer is simple: Yes, we need if it can really show us how to achieve bank account crushing Clickbank affiliate sales without losing our pants.

Commission Blueprint is for people who love real life, instead of practical money making approach instead of theoretical money making idea BS!

In this case, it beats all existing ebook in this genre as it is not a tips and tricks ebook but a genuine content loaded course with exceptional contents. Whether you are a newbie or pro, making zero dollar or hundreds of dollars a day with Clickbank, Commission Blueprint is for you.

Give It A Try - And you will not regret. Believe me, it will be a wise decision from your part. Commission Blueprint is a quality work and it will be your breakthrough to many unknown questions and conversion formula. You will know how to drive massive clicks and massive sales instead of playing with thousands of keywords without any click or sales. You will not need to worry about setting up your campaign, scaling it up and establishing a successful Clickbank business. What else - it has 100% money back guarantee!

Here is the link: --> http://www.jutaria.com/comblu-access.htm

P/s: If you order via my link, you'll get access to my secret bonus package. You'll sure to like it very much. Kindly e-mail me at "jutariaweb at gmail dotcom" to claim your bonus upon completion of your purchase.

Can You Really Get Paid To Take Survey

A friend of mine tried one of those online survey sites about 8 months ago that say all you have to do is spend a couple of minutes filling out some surveys and you will be making hundreds a day YEAH RIGHT, he didn't make anything.

He then joined 7 of these stupid websites and actually tried filling out a couple of surveys on each site and they took forever then at the end they wanted him to buy things or he couldn't complete the survey.

These are complete scams so be aware! I can't believe they are even allowed to sell such bogus products. Then a while later he was watching the news and they had some vice presidents and marketing managers of some major multimillion dollar companies talking about a site that they personally work with to pay consumers for their opinion.

A site that actually just wants the honest opinion on products and services and is willing to pay big money to get them. He tried this site out and it is the only one he has ever seen that actually pays you just to take surveys. He made almost $100 in his first day just filling out 3 simple surveys.

This is the only legit survey site online, so if you are interested in making hundreds per day just giving your opinions then make sure you check this out.

http://www.jutaria.com/make-money-taking-surveys.htm

P/s: There is a video on the homepage that will explain everything. If I were you I would at least check the video out and if you don't make at least $300 in your first week they have a 3 month refund policy so just get your money back!!! This is definitely worth a look!

$100,000 From 10 Customers Is Unusual

Can you believe that you can make $100,000 from only 10 customers? I'm sure you can't, even I didn't believe it until I watched this 4:33 minute video.

Obviously that level of income from such a small number of customers *may* seem a little unbelievable at first but this is a VERY unusual type of online business, one that nobody had not previously thought of.

So if you're short of time be VERY sure to watch this short video because when you see the specific details, you'll quickly understand how and why this really works.

http://www.jutaria.com/vipmember.htm

Pendapatan Lumayan Kick Start

Previously, I've talked about Pendapatan Lumayan by Adam Akhir. Now, let's dive in deeper into this thing. The idea is to make money promoting Clickbank products as an affiliate. I'm sure you've heard this idea before. It sound so easy, but when you get your hands on it, you'll soon realize that it's not an easy thing.

Almost everybody know how to sign up with Clickbank as an affiliate. But then, there's a lot of products over there to promote. At this point, Adam Akhir introduced a secret method to choose the best product to promote. It's not about gravity or popularity of the product. It's about Maths and some calculations, which is brilliant.

The secret is available in his ebook, Pendapatan Lumayan. I'm not going to talk about this due to copyright issue. Consider what happen when you choose the wrong product for the right people? You're not going to make any sale. Then, it's time for product research. I'll talk more about this in the next post.

Ebook Pendapatan Lumayan By Adam Akhir

Pendapatan Lumayan by Adam Akhir ebook is now in my hand. It's an ebook, so I have to read it all by myself. The sale letter, http://www.pendapatanlumayan.com is too interesting to reject. See if Pendapatan Lumayan can deliver it's promise.

And the promise is to make MYR20k per month using internet. What a bold promise, man. First, let's forget about anything you thought you know about Clickbank and Google Adwords. This is the only good starting point. However, to unlearn something is not a "can do" for everyone. So, if you don't want to unlearn something, just stay away from this ebook.

Now, I read the book all the way to page 5. With a total of 69 pages, it's a long way to go. I've learn nothing good so far. It's the fluff about the warning, not to speed read the guide and a few other useful warnings. Then, Adam Akhir proceed with the story of his own. It's about how his life going on before he jump into this thing and how much his life improved after that.

Man, you know, he is talking about the story of his own Pendapatan Lumayan project. It's about how he get started and how his friends laugh at him when he talk about his online business. But then, his website (Pendapatan Lumayan) explode and receive a lot of orders that the banker make a call to ask what happen to his bank account. But, this idea is to expose the reader to the potential of internet business.

Well, that's all fluff. The real story begin on page 6. He start with a summary of what he called the secret strategy of Pendapatan Lumayan.

Learn more here: --> http://www.jutaria.com

I'll talk more on this later.

What If Autopilotprofits Is Free

Ewen Chia's Autopilotprofits is available for $27. Now, what if Autopilotprofits is free for public access, is it good? Maybe good for freebie hunter. Not good for seller. Actually, information inside this package is free.

What make Autopilotprofits interesting is the simplicity of the content. Another hot issue is, how much money can you make using Autopilotprofits?

--> http://www.autopilotprofits.com

Check it out. If you need a free copy, sign up below.

--> http://www.jutaria.com/free-autopilotprofits.html

Have a good day.

Make Money And Get Your Ferrari

I read a story about a man who bought a brand new Ferrari. That's 12 months after his resignation from a full time teaching job. He manage to own a luxury sport car at the age of 31. I thought he did terrible things to get there, but I'm wrong. I thought this young man is a drug dealer, but he is not.

If he is a drug dealer, then he might not freely available in the public area during daytime. So, what the heck is he doing? Where did he get the money? Is it legal? If he is doing business, I can't think of any business model to profit that big in a very short period of time.

Furthermore, big business must start with a big investment. So, I conclude that this man is a con artist. At this point, he agree to tell me the story, along with his top secret strategy. Actually, he just want to clear out his bad image that I see. However, he told me not to share the story with others. But, I decide to share his amazing story with you, for free.

Here is the link --> http://www.autocashsystem.com/members-area.html

Download it free here --> http://www.jutaria.com/myfreedownload.html

What About Online Business?

Offline business is very common for almost every people. Now when we talk about online business, it's not very common for everyone. Online business is simply buying and selling. Internet is the 'must have' tool for this. E-book is the best selling product online. To wrap it up, online business owner sell information. It is proven to be the top selling category.

Yeah, we heard people claim to make money online, and it's true. Some people claim to make a lot of money online, and that is not a lie. Flip it to the negative side, we heard people scam here and there. This is the nature of online business. But still, we try to make money online. Why not, people claim it to be an easy thing. Some can even quit their day job doing online business.

One day, $1000 plus of pure profits. Very impressive yet confusing. Genuine guide to make money online is hard to find. Interesting fishy sale letter is easy to find. One of the most interesting course to make money online (for me) is Commission Blueprint product.

Home Cash Code Heritage

Home Cash Code said, "Quit your job, and work from home!"













I'm jobless, so there is no resignation.

Data Entry Bank Short Circuit

If you ever heard of Data Entry Bank you may want to find out more about it, right? You should have a small amount of doubt about DEB (Data Entry Bank). Try data entry banks into Google search engine, and you will probably see what you want to see.

Basically, it's not a job. The idea is to sign up with Clickbank as an affiliate. Next, you can sign up with Google Adwords and probably start making money. Keep in mind that Google Adwords is not free, and if you play it wrong, you can lose a lot of money. That's the whole idea of any "data entry" business online.

The short circuit is you can get this information for free. I've sign up with ...

http://www.type-at-home.com

I've paid $49.95 for it. Now, if you log into the site, the thing is gone. It's a membership site with one time payment. One thing I learn as a member is to sign up with Paydotcom and play around with Google Adwords, which I actually can't afford because I don't have any credit card. One year later, the whole content of membership site was gone.

Make Money Online Realistically

How to make money online realistically ... for the first time, without spending the money on debt, is perhaps one of the most interesting idea for many people. Internet marketing newbie getting stuck somewhere, even with the guide from expert. Sad fact, but that is the truth.

People simply make it look so simple. Sign up for Clickbank, play around with Adwords, and there you go. As simple as that, but most importantly, you must take action. Is it really that simple? What about landing page design, keyword research, op-tin list, auto-responder, and so forth?

If affiliate is not the game for you, then you can choose to play with Adsense. Other than that, you can create graphic, develop website, write article and many other things for webmaster. If you're good at investing, why not put your hands on forex? You can make a lot of money very quickly. The problem is, if something is not right, that's the easiest way to lose a lot of money quickly.

That's why most people prefer to play affiliate game. Most players interested with Adwords, and competition is tough. At this point, newbie lose the game. It's like a new golfer trying to beat Tiger Woods in the golf tour. Imagine, how much effort you have to invest before you can become an expert? Don't get me wrong, you don't need to beat Tiger Woods to become an expert, but it's good to learn something from Tiger Woods. Even Tiger Woods takes time to become an expert. So, why don't you take your time to make money online?

According to Robert Kiyosaki, it take at least 5 years to learn something new. In that 5 years, you must willing to make mistake and learn from it. Another important element to make money online a real success is your reputation and credibility. I don't doubt it that there's a lot of internet marketing course out there. If you choose the wrong one and recommend it to your customers, you are losing your reputation. That's why product selection is very important.

Any comment?

That's all for this post.

Extreme Newly Discovered Affiliate Secrets

There's been a ton of buzz around this system
over the past few days and if you haven't heard
about it yet, let me just fill you in...

It's called the "Commission Blueprint" - a
radical formula created by Tim Godfrey and Steven
Clayton that exploits Clickbank and Google in
such a devious way that the resulting profits
are in the realms of the *insane*.

--> http://www.commissionblueprint.com

Of course, you will have heard this kinda' thing a
gazillion times before and to be perfectly honest so
have I ...

But after checking this out, I can give you rock
solid confirmation that this is the real deal,
especially if you want to replicate a simple system
that generates MASSIVE Clickbank commissions.

Let me just throw some figures your way...

- $6,513.04 in one day

- $153,426.72 in 6 weeks

- $526,422.83 in 7 months.

And the crazy thing is, these numbers were
generated by promoting ONE Clickbank product,
bidding on just ONE keyword, and without ANY
help from JV partners or even an email list!

Not to mention the fact that this simple
affiliate campaign took just a few minutes to
set up.

How was it done?

Check out the story here:

--> http://www.commissionblueprint.com

This is a VERY VERY different ball game.

In fact, if you've ever wondered why most affiliates
struggle to produce a red cent in profit whilst
others effortlessly rake in unfathomable Clickbank
commissions seemingly with their hands tied behind
their back, then sit up and take note, because you're
about to find out why.

----------------
The Best Thing?
----------------

You need no experience at all because they take you
through the entire process on screen AND give you
all the tools to actually make it happen.

----------------
The Weird Thing?
----------------

It's frankly bizarre that they're revealing this stuff.
If it were me, I would've kept my mouth FIRMLY shut
for sure.

These guys do 7 figures a year with Clickbank
consistently and generate far bigger numbers than
virtually anyone else on the planet.

Point being, if you're a suffering affiliate, you
NEED this material. Badly.

----------------
The Bad News
----------------

There are only very limited spots available
and judging by how fast this has spread around
the net, they'll go ultra fast ... possibly
in the next few hours.

It has literally just gone live though
so you should be in time.

End result?

Affiliates who FAIL to get hold of this
information will be left fighting for
scraps and ultimately will be in a world of
hurt from now on; that much I can assure you.

You can't afford to be left out of the loop with
this one.

Here's the link:

--> http://www.commissionblueprint.com

Talk soon,

Rhonerlianz.

GetGoogleAdsFree Controversial Issue

In response to GetGoogleAdsFree, actually, no one will ever get Google Ads (Adwords) for free. Even Google itself pay for their own advertisement. I've read the review about this product, and I have the product itself. It's an ebook with 125 pages in pdf format. Information inside the book is very interesting for me, because ... maybe I'm new to Adwords. It's a really good information for Adwords newbie. For expert, it's up to them to decide.

I have no good or bad comment about this product. All I can say is that it's cool to have this file in my hard drive. GetGoogleAdsFree ebook is a very controversial information. Some people claim that GetGoogleAdsFree is a complete scam. I don't want to say more about this issue, but in my opinion, GetGoogleAdsFree is just an informational product. The idea presented in the book is genuine and straight forward.

If Google Adwords is not free, and suddenly someone claim that Google Adwords is free, this is the point where the word 'scam' starts to come in. However, GetGoogleAdsFree is just the term used by the author of this product to create the sense of uniqueness of his product. So, nothing is free by the way. The book itself cost something around $67.

Google Adwords For Free

A new breakthrough secret is all you now need in order to get your Google AdWords pay-per-clicks FREE!

A gentleman from New York discovered what he calls an “oversight” on the part of 99.9% of all marketers that allows him to get otherwise paid-for advertising at Google as well as all other search engines that allow sponsored ads.

And no, nothing about his “secret” is illegal – nor does it require that you know someone on the “inside” at Google, Yahoo, MSN, Overture and others.

Instead, the New Yorker boasts proudly “… this is something that I caught onto just before 2000 when there was so much search engine craze running around, and started doing small just to test things at first … but which I later expanded on after getting the hang of it.”

This same fellow went on to start and operate sixteen separate online companies selling everything from pet food, DVDs, children’s toys & games, books, software, and sold not only his own manufactured products but became an affiliate for other web businesses – all the while applying his mastermind secret.

Over the course of nearly eight years the New Englander confesses “I’ve actually gotten over $87 million in advertising that using my secret I never had to pay for … and the largest share of which was more recently in Google pay-per-clicks as well as other forms of pad advertising at search engines … all of which I got for free …”

So powerful is his secret that he’s able to monopolize any niche online, and can always secure the top premium spots just above the usual organic results featured at most search engines.

He still has to set up an account with the search engines – but after applying his secret he is removed from having to pay for all the costs otherwise involved.

Again, nothing about his secret is either illegal or robs from the search engines.

One spokesperson from one of the most popular search engines said chuckling after being made privy to this amazing secret “Wow! Ha! This is really unique … and in my expert opinion it would only serve to enhance and bring more business to us at [name of search engine withheld for legal & confidentiality reasons] and not cause us to lose business in the slightest. Amazing!”

The northerner revealed that in this nearly eight years’ period of time since applying his secret he’s done well over $300 million in sales revenue with a most diverse line of products, and most recently in the last two years netted nearly $166 million after really “buckling down and pressing my secret to its fullest potential.”

Now to everyone else fortune, the city slicker is releasing his secret for getting an unlimited amount of pay-per-click ads to the general public. But he’s not promising any of us for how long.

A bit of an eccentric, the gentleman says “We’ll see just how long I can make it available before it saturates things.”

One famous public web guru pointed out that although this man may gain economically more so as a result of the publication of his secret “he’s already so amazingly rich that whether he continues or discontinues its sale will neither make nor break the man, but not grabbing it for yourself while it’s still available could prove disastrous for you as you may only have one chance, and a very limited one at that, to get this.”

It is currently available at:

Here: --> http://www.getgoogleadsfree.com

So, you may want to head on over there now and get it.

It’s in a very easily readable format and is quickly and readily understood and mastered by anyone with even a 4th grade reading level.

While you’re there, why not scroll down and review for yourself the huge successes others are now having with this incredible breakthrough in targeted advertising now made freely available to the rest of us?

Order here: --> http://www.getgoogleadsfree.com

To your success,
-Rhonerlianz-

When You Feed The Hungry Crowd

The first thing to do if you want to feed the hungry crowd is to determine who they are. Then only you can proceed to feed them. But then, you realize that it's not easy. You need to choose the right food for them. It's like a hungry tiger. A hungry tiger will never ever eat grass, no matter what. If you feed the tiger with meat, that's how it works. So, it's easy to feed a hungry tiger with meat, and not grass. The same parable is true for the hungry crowd in the concept of Internet Marketing.

This is what Ewen Chia explain in his Autopilot Profit System. The idea is very interesting, logic and straight forward. No wonder this guy make a lot of money online. He know how to feed the hungry crowd. Most internet marketing courses teach you how to catch fish. However, Ewen Chia teach you how to catch fish and give you the fish at the same time. This is a unique selling proposition (UPS) for Ewen Chia's Autopilot Profits.

Now, what about automation, is it really doable? For this, we need to ask the pilot, what they did before activation of autopilot system for an aircraft. Guess what, yes ... they have to manually take off, and make sure that everything is going as planned. They need to determine their cruising speed, altitude, climbing rate and a lot of other things. Even during autopilot mode, they still have to monitor everything for any unusual behavior.

Profits automation online is almost the same. The only different is that you don't have to land manually. See, you have to do something before you can go for automation.

So, I can conclude that Autopilot Profits for internet marketer is really doable. Once everything is setup, there you go, sky is the limit. Your income potential is unlimited. All you need is a genuine guide (manual) without any missing pages, such as Ewen Chia's Autopilot Profits.

Check it out here --> http://www.autopilotprofits.com

Credit Card Processing Guide

"A Fail Proof Profits System, Uncovering The Secret Strategies The "Super Affiliates"Use To Rake In Millions Of Dollars And How You Can Do The Same"

Check it out here --> http://www.jutaria.com

Does your company need credit card processing? It does if you can benefit from the following:

Credit card processing enhances your professional status. When customers know that you accept credit payments, they often are more likely to pay more, return often, and tell their friends if the service is good. This is because a company that makes credit payment options available to clients is telling the world that they care about customers and they are professional enough to invest in systems that will enhance the shopping experience for guests.

No one likes that disappointed feeling when, after browsing, you find something you want to buy but then fail to find enough cash in your wallet to purchase it. Writing a check may put you over the balance, and you don’t want to take time to run to the ATM machine to withdraw the money from savings. When customers can pay with a plastic card, they may show their appreciation by returning again and again to shop your store.

Credit Card Processing is Inexpensive. It depends on your current business budget, of course, but you don’t have to sink a lot of money into credit card processing equipment. All you need do is get a merchant account services account, buy or lease a credit card processing unit, and you are good to go. Plug it in or take a wireless unit with you on the road to make credit payments easy, fast, and secure.

Plan on paying a per-transaction fee of perhaps 25 cents or a low interest monthly rate that may include minimums. Associated expenses may include discount fees, gateway fees, print statement fees, and membership costs. There may be others as well. Overall, however, the benefits of a merchant account outweigh its costs.

Credit Card Processing is Flexible. You don’t have to be stuck behind the cash register all day to appreciate the advantages of a merchant account’s ability to provide credit card processing. You can take a wireless unit from one destination to another to let clients pay at the point of purchase rather than wait for billing.

You may want to invest in a pager that will let you provide instant deliveries or prompt responses to customer inquiries, some of which could lead to direct or indirect sales with the option of credit card payments. You can also set up an online Website to accept credit card payments from potentially billions of customers around the world. It’s all up to you, of course, as to what you’re ready to do in terms of growing your company’s sales.

You won’t need extra staff to manage credit card processing, either. In fact, you may be able to operate some credit card processing systems automatically when you opt for the telephone payment system or the Website option. But you will need to have a staff member available at certain times for questions or troubleshooting issues.

Don’t get left behind by competitors who already have merchant account services and customers who expect them. Start browsing now to learn more about Credit Card Processing.

About the author:
Shane Penrod is the founder of http://www.Merchant-Account-Quotes.com. Specializing in allowing merchants the ability to shop and compare multiple quotes from national merchant account providers. For free quotes on merchant account rates and fees, please go to http://www.merchant-account-quotes.com

Bankruptcy 101 Exposed

‘Bankruptcy’ the term that can raise the goose bumps of almost every individual who hears it and even a nervous breakdown to those who confront it. Bankruptcy stands for the situation when a person runs into huge debts and there is hardly any money left with him to repay those debts. The clouds of bankrupt situation can hover over anybody’s life be it a successful business man who has never ever fathomed it or any greenhorn entrepreneur who had thought of going a long way ahead.

There are several reasons behind this insolvency:

Indebtedness-people usually take big loans from the banks and private companies in order to run successfully their business or company. However, since the economy is constantly fluctuating, one might not be able to incur expected results or profits. So, the loan debt with interest rates gets piling on. The loan can also be taken to pay off a bill that you missed paying. The loan is taken instantly in this case without an assessment of the interest rates. This can be cause snags later.

The credit card bills are also a source of trouble. They are charged with good interest and at the end of the month when the expenditure has chewed your month’s income; the credit card bill can make you bite the dust.

In the world today where fraud and betrayals are considered to be the bets virtues, any partner or shareholder or director might connive to pitch the company or business to bankruptcy. Here the reasons can be mutual squabbles and vengeance.

Gradual denouncement from the market- the commodity you sell today at price X, may be sold tomorrow by some other company at a much cheaper price Y. This can oust or eject your product from the market replacing it with a relatively cheaper one.

However, where there is a will, there is definitely a way. Just as there are two sides of a coin, there are two aspects attached to everything. When you glare at the negative side of the situation, its positive aspect is lurking behind according to which bankruptcy can be seen a situation that provides you a golden chance to start things afresh.

This is done by filing your application for bankruptcy, in a way seeking help from the government to help you overcome the disaster. Once you forward your application and it is accepted, the government repays most of your debts. This becomes possible by taking hold of your assets and dividing them amongst the creditors in an organized manner. But the debts that are associated with embezzlement or those huge ones that cannot be covered up via one’s assets can be problematic. In case of businesses filing for bankruptcy, certain procedure has to be followed up.

Besides this there are a few debt consolidation services that advertise themselves through television, print media etc. Debt consolidation signifies using a loan provided by that service to repay other debts. This loan is comparatively at a lower rate of interest and it often becomes easier for many to repay one loan instead of five to six ones.

In any case, if you are seeking financial aid from the government, banks, services etc., there stands the barrier of qualification. It is that you should be able to prove the service or the bank that your case is authentic and not a fraud. In order to escape future troubles, the government has formulated strict laws and eligibility criterion in this area.

However, in any case it is better to seek the advice of an advisor before seeking help to make up your crisis. This will not just educate you about all the related terms and conditions but also the possible legal and financial consequences. Just keep in mind that help always comes to those who are look for it with a true heart.

--------------------
About the author:
Mansi gupta writes about bankruptcy Learn more at http://www.bankruptnomore.com

Alternatives To Credit Cards

Are you one of those people who only ever got a credit card for the convenience of being able to pay without cash, or because you weren’t aware of any other easy way to borrow money? Millions of us are, thanks to the unavoidable advertising of the credit card industry, and few people realize just how many alternatives to credit cards there are. Let’s take a look at a few.

Debit Cards:

Debit cards are often used in many European countries, but are relatively unheard of elsewhere. Basically, they’re just like credit cards and are accepted everywhere credit cards are accepted - the only difference is that they take any money you spend directly from your bank account, instead of you getting a bill at the end of the month. You should be aware, though, that you aren’t as well-protected from fraud with a debit card as you would be with a credit card.

Pre-Paid Credit Cards:

These are cards that work just like credit cards, except that you can’t have a negative balance - you have to put money on the card before you can spend it. That means that you ‘top-up’ the card, like you would a mobile phone. This is good if you want to know how much you’re spending, not to mention that you can even give the cards to children. They’re also safer than debit cards, since someone who stole the card could only spend whatever money was on it at the time.

Bank Overdrafts:

A good bank overdraft, used together with a credit card, can be a far better way of borrowing money than using a credit card. Your overdraft limit is set by the bank according to how much you gets paid into your account each month, and you don’t need to pay it off until you want to.

Basically, it just gives your account the facility to go into minus numbers, if you want it to. Many banks charge relatively high interest rates for overdrafts, but rarely as high as a credit card - and they will give much better rates for good customers.

Real Loans:

When you’re buying one big thing at a fixed price (like a car), or you’re going to spend all the money on one type of thing (home improvements, for example) it’s worth budgeting it all out and going to a bank or another loan company. They’ll be able to lend you the money at a much better rate than a credit card would, simply because they know why you’re taking the loan and can set regular monthly payments for you to repay it.

Credit Unions:

Credit unions are like banks, only more local. They are co-operative, owned by their members and run by the community, and are a great place to borrow money. This is because there are limits in law on how much interest credit unions can charge, and they don’t need to make a profit for owners or shareholders, because they don’t have any. It’s well worth checking if there’s one in your area.

About the author:
Gordon Goh is the owner of http://www.Easy-Credit-Card-Guide.com offering free credit card information for everyone. You can receive a free credit card at http://www.easy-credit-card-guide.com and free Credit Debt Repair Guide at http://credit-debt-repair.cogia.net

Beware Of Bad Credit Payday Loans

Could bad credit payday loans be the answer consumers with low bank accounts have been looking for? Is there any harm in using these services? Aren't they better than using credit cards or going hungry?

Have you seen the commercials? Cute characters promise financial prosperity. Happy, professional individuals appear to regularly visit their corner pay day loan shop as proudly as cashing a check at the bank. Customers at the grocery store all recommend pay day loans as the easy solution for a lack of funds.

WHY USE A PAY DAY LOAN?

Some individuals reason that paying a bill with borrowed money is better than receiving bad credit marks because of not paying the bill. This is understandable. However, some financial
institutions are willing to make the occasional exception if contacted about the situation. Or there may be a small fee, but not a credit report made.

Using it for groceries or other items? Consider the true cost before making a decision. Compare the cost of using a pay day (or cash advance) loan to the fees charged for taking a cash advance on your own credit card. Can family help? Often those who are forced to use pay day loans are not able to repay the loan by the next pay check and that can lead to a cycle of debt and stress.

WHAT IS THE COST?

Several sources, including a consumer report by the FTC (Federal Trade Commission) and the CFA (Consumer Federation of America) state that usual the usual APR is between 350 - 650% with some as high as 780%.

A loan of $100 ranges in cost between $15 - $30. If the loan is not repaid by the pay date then it can be renewed with another fee due at each renewal. A loan of $100 can cost $60 in fees after 3 renewals.

WHO BENEFITS?

Based on the warnings issued by federal and consumer organizations it is clear that using pay day loans or cash advances from these businesses can often lead to more debt and problems. Some sites were reported to automatically roll over the loan and only withdraw the renewal fee on the pay date. Other sites surveyed by the CFA required customers to agree in contract to not participate in class action suits or to file for bankruptcy.

For those who are having debt problems it is recommended to seek no or low-cost credit counseling from a local non-profit organization. These organizations can help with reducing current interest charges and lowering monthly payments. If the problem is budget, you should look to a financial planner who can help you to manage the money you do have and avoid using credit at all.

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Debt Relief From Debt Consolidation

If you are up to your neck in debt, there may seem like there is no relief in sight. In fact this is not necessarily the truth. There are ways to take all of your stifling bills and roll them up into one neat package by using debt consolidation in two very popular forms Home Equity Loans, Refinancing Loans, and a Consolidation Credit Card. All of these instruments provide the debtor with one thing "relief" from the current debt by shrinking it down to a single manageable debt.

Using home equity to consolidate debts:

One of the popular methods of debt consolidation today is the Home Equity Loan. What happens is that the debt is extinguished using the equity from a homeowner's home. A loan is created outside of the mortgage in order to satisfy the debts. Should the homeowner default on the loan, their house is in jeopardy of being foreclosed upon if that loan is not satisfied with a specified amount of time.

Refinancing loans:

People often consume the debt by rolling it into a new mortgage. This way the house costs more money to the borrower, but the debt is extinguished at close and the debt is neatly rolled away into the mortgage securely. Upon settlement of the loan, the debts are paid in full and satisfied. The clock on the mortgage is reset to day one.

Credit card consolidation:

A low interest credit card is offered to the borrower to include any outstanding credit and loan balances. The interest rate is a low fixed rate for a period of up to one year, upon the year's end it will resume at its normal rate. Upon acceptance and terms the account should be closed once paid in full and payments be made directly to the new credit card provider. Some people have been able to master paying off one credit card with another to keep the debt revolving and interest rates low. Some people fail to close out the previous creditors account and run them back up again as well.

All three of these options provide solid relief for the debt and help them reconstruct and manage their debt better.

By Jakob Jelling
http://www.cashbazar.com

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