Seriously, this is awesome! If you shop online as much as I do or you know people that do, this is such a great opportunity for everyone to make some extra money. Follow this link:http://www.mypowermall.com/Biz/Home/64654
and sign up your own "business power mall". You'll get access to a ton of great sites you already shop at (The Gap, Popcorn Factory, Macys, etc.) plus get rebates back for whatever you buy and whatever anyone that signs up under you buys.
It's totally free and you never have to buy anything if you don't want to. Just use the link if you're going to shop online. It's really a win-win situation.
Remember the holidays! I plan on getting all of my Christmas shopping done online this year and I will be getting money back for it!
Hey all, I've got a first time homebuyer question:
(I'm buying my first house. I'm 23, making $32,000 a year and want to get something around $90,000-110,000. My credit is good (~730), I have no debts, and I have $22,000 in my bank accounts.)
I'm looking at two financing options, and wondering if I'm missing something:
[b]Broker:[/b] Will take 3% down, will require PMI, closing costs will be $2,000-3,000, APY will be ~5.75.
[b]Bank:[/b] Requires 5% down, requires no PMI, will pay closing costs, APY ~6.125.
Assuming I'm not planning on pouring money into equity, I don't see how the bank isn't a phenomenally better option. If the PMI is $40/month, it seems like the broker would have to offer a rate that was ~7/8 of a point less just to make up the difference in monthly payments.
Is there something I'm missing here? Is the bank simply the best way to finance, or are there other factors that might make a broker a better option?
Here's the deal. Cashback website CashbackKings
pays £100 cashback for taking out a Marks & Spencers Life Insurance policy. The lowest monthly premium that M&S allows is £5. 12 months at £5 is £60. If you are new to CashbackKings
they take an annual fee out of your first earnings of £5. You are still paying less out than you are getting back in cashback, and should make £35 to £40 profit on top of the free policy.
Click through to CashbackKings
and sign up for an account if you don't already have one. Click through from the cashbackkings website to M&S life insurance and start an online quote. For term put 5 years and then try a cover level of £80,000. Click Get Quote and the monthly premium is presented. Now go back and fiddle with the cover level until you get as close to £5 monthly premium as possible. I managed £5.01 with £87,500 cover for 5 years. This means if you die at any point during the policy term they pay out £80,000.
NB: The policy 'term' is irrelevant because at no point do life assurance policies have a cash-in value. When the policy matures or expires you get nothing. And there is no penalty for stopping the policy early. You are simply covered for a fixed lump sum for as long as you keep the policy going and you can stop or cancel whenever you want.
You don't even need to ring them to cancel, as the terms state that if a monthly payment is more than 28 days late, the policy automatically ends, so you can just cancel the direct debit when you've had enough (or when the £100 cashback is paid out to you from CashbackKings
NOTE: You have to sign and send back the paperwork for this to work.
My transaction tracked on CashbackKings
within half an hour and has an award date just under two months away. By setting my policy to start in a month's time, I may only have to make one or two payments (of £5.01) before I get the £100. But sometimes delays can happen I suppose, but even if it takes a year, I will still come out on top. Sooner the better though! CashbackKings
is run by rPoints
who have been running a good cashback site for a number of years now. Martin Lewis on Money Saving Expert rates them well.
Hope this helps some people!
When I evaluate a company, I look for these key points. Keep in mind, when I join a company, my #1 goal is to make money and to do it legitimately. I do not want to hurt anyone or rip anyone off. This is what I’ve learned and these guidelines will help you determine what company is right for you.
1. If you are not making at least 75% of the upfront commission when you make a sale, forget it. This means that you are doing all the work and the company and/or the person above you is making all the money.
2. If you have to have 1000, 10,000 or 20,000 people in your organization before you make any real money. DO NOT Join. Most people will NEVER get there.
3. If they teach you to hold home parties and invite all your friends. Run away fast.
4. If they have a sales pitch 2-3 times a day and only 2-3 training classes per week.
This means that the company is more interested in selling you than training you how to make money long term
5. If you can’t break even or get into profit with 3 sales, forget it.
6. If you can’t speak with the owners or the corporate office via phone or webinar,
Forget it. I like to know who I am doing business with before I will do business with them.
7. If it is a start up or in pre launch, forget. The chances of these companies becoming the next Amway is about as good as winning the lottery. At least with the lottery, you have a chance to win once or twice a week. You might as well go to Vegas and blow your money on a good time. At least you’ll have some great memories, see a great show and have a great meal.
These are not all the rules for success on the internet, but this is a great guideline to follow when evaluating an internet company. Use these guidelines to help you narrow down your choices for choosing a company that best fits yours goals.
After months and months of research, there is one company that stands out as the 1 Home Based Business on the Internet. The Top Rated Internet Company for Making Money is EDC Gold. EDC Gold gets a Gold Star for several reasons. It is the only company that gives you a real chance to make big money on internet. They pay out 100% commission. The owners work the business with you to ensure your success. The training at EDC Gold is worth the price of admission alone. The Marketing System at EDC Gold is the best. They have a marketing system that flat out works.
To Learn more about EDC Gold and how it can help you be successful on the internet check out: http://www.earndailycommissions.net
is a brill UK site - you can get a percentage back from your online shopping, but also sign up for free trials etc. and get paid as well as daily click throughs to search engines and getting £5 for every two friends you persuade to join (you're all my pals, right?).
It's run by Rpoints
who I've had nearly £700 from over the last 18 months, but the payout rates are higher and they keep the first £5 you earn (like quidco). Martin Lewis on Money Saving Expert has rated it highly on his website.
Give it a go!
Real Estate Investing vs. Stock Market Investing
THE GREAT DEBATE
Everyone should have a well rounded financial portfolio. This means that you should at least have some investments in the stock market. Over the past years the stock market does appear to have kept up with the rate of inflation; however, investment in real estate is a far more stable investment.
The stock market has made many people wealthy. The problem with the stock market is that profits can be wiped away in the blink of an eyes. An unexpected drop in the stock market can destroy an investors portfolio. If you have a large percentage of your investments in the stock market you must move a large portion of your investments into a more stable real estate investment.
One of the greatest benefits of investing in the real estate market is the leveraging opportunity. With real estate investing, you can leverage your investment 10 to 1. With stock market investments, you can only leverage your money 2 to 1.
What does leveraging your money mean?
When you leverage money, it means that you can use the money of someone else to raise money. Just like a lever raises something up, in real estate, you can leverage money 10 to 1. If you have $10,000, you can use this to get (or raise) a loan of $90,000 for a total of $100,000 towards a real estate investment. With stock investments, $10,000 would only get you $20,000 for stock investments. This is called buying on margin in the stock market (very risky).
Now of course, no investment is perfect. If property values fall, this leverage can work against you. The solution to this is to hold on to your real estate investments for the long term. This will begin to secure your financial future.
Blessings to Your Real Estate Investing,
Learn Real Estate Investing In Maryland
Learn Real Estate Investing In DC
Learn Real Estate Investing In Virginia
Please check out my site if you want to earn extra money shopping online. And really, who doesn't? :) Financial Freedom
It's completely free to sign up and you earn rebates for shopping at some of your favorite sites like The Gap, Old Navy, 1-800 Flowers, Best Buy, Barnes & Noble, Macys, Target and hundreds more.
All the cool kids are doing it!! :)
Thanks for checking it out! I did ALL of my Christmas shopping this way and it was perfect!
Wish you were rich?
Money, money, money... its what makes the world go round, isn't it? It can't buy you happiness and it can't buy you love but it sure does make it easier to pursue those things on your own.
Unfortunately, not everyone has as much money as they'd like and despite their very best efforts to get ahead, financial freedom always seems to be just out of their reach.
What to do, what to do?
Unless you have an inside line on the lottery or expect a big inheritance sometime soon, you're going to have to make your own fortune and that means a whole new outlook on life. For starters, you're going to have to change the way you think about money. No more "wanting", "envying" or "wishing". Prosperity doesn't work that way. Instead, you have to act and think as if you already have everything you need because in fact, you do.
No, I'm not suggesting that you go out and buy a new Porsche. What I'm saying is that to get from point A to point B, you need to behave as if you had made that transition long ago.
Please visit my blog on how to get rich
for more info as i update every other day.
2007 was a good year for Santa. He lost ten pounds on Nutrisystem, Mrs. Claus started wearing those hot pink thongs that he bought her last year and most of all, he tricked out his sleigh. Rims, side speakers and most importantly, a computer.
No more sweeping down chimneys for Santa. He can't mess up his new 'do or chip his blinged out diamond chain. No, this year he's gotten smart and outsourced his work to Santa's Little Helper
so he could stay on his brand new yacht in Miami hanging with his woman.
So, welcome to the new generation people. Our Santa's smart. He doesn't want to battle the crowds or go out in the cold weather. Santa's shopping online....and partying the night away.
You too can party like Santa. Check out the link and see for yourself. It's FREE to join and you get rebates for shopping online. It's that simple.
Forward this to all of your friends. It's the future of shopping!