Affiliate Paradise

A money management program, system or budget is something all of us should consider, whether financial times are good or bad. There are many ways to go about determining the management of your money, or where and how it is spent, but the most effective system is based on percentages. Using percentages to determine how much of your income should be alloted to each of area of spending is the ideal way to decide where your money should be spent and allows you to set an amount each month for savings.

Instructions

1. Housing:
   Being the number one expense each of us has, and is a necessity, this should be considered first. You should spend no more than 30% of your income for your mortgage payment. Going over 30% is living beyond your means and will not allow for any amount of money to go into your savings, or at best reduce potential savings greatly. For instance, if your current income is $2000 per month, your monthly housing costs or rent should not exceed $600. This includes required insurances and taxes if you are buying your home. If you are currently renting, and you are paying more the $600/month, you should try to find a lower cost alternative at the end of your lease. For those that are buying, look into the option of refinancing to lower your payments, if possible.
2. Debts:
   This heading covers all credit card debts and/or personal loans. Your percentage of debts should be no more than 10% of your monthly income. If you are currently paying more than that, try to find ways to reduce that amount. For instance, stop using your credit cards if at all possible. This will at least allow you to keep payments steady, without increasing them. Try to use cash whenever possible. Personal loans may be refinanced if you have had the loan for a considerable amount of time, allowing for lower payments.
3. Food/Health:
   Your food bill should run you roughly around 10% of your income. While many people exceed that amount, there are ways to drastically reduce your monthly food bill. The first, and easiest way to do so is to bring your lunch to work with you each day rather than buying lunch on the go. Even fast food prices have become considerably higher in the recent years. Another great way to cut costs is to look for low-cost recipe ideas online. Many great dishes can be prepared on low budgets. Also, don’t overlook the option of store brand food items. Many of these items provide the same quality of more expensive brand names at a much lower price.
4. Utilities:
   Your monthly utility bills should be alloted a maximum of 15% of your income. If you are exceeding this amount, consider ways to bring the cost down. Such as adjusting your thermostat by a few degrees, or down-grading your cell phone plan. By doing both, you could cut your spending considerably.
5. Vehicles:
   This is the one category that most people spend way more than they should. A conservative percentage for your car payment and insurance is 15%. So, given the $2000/month income as used above, that would be $300/month. To think of spending anymore than half of what you have alloted for a house payment is wasted spending. Keep in mind, the longer your own your vehicle, the less it is worth. Vehicles are the worst ‘investment’ a person can make.
6. Misc. Spending:
   This is the amount to be used on small purchases, such as gum, candy, sodas, etc., that should exceed more than 5% of your income each month. For the most part this is wasted money, but by allowing a small amount for these types of items, you won’t feel like you are being deprived of everday extras.
7. Savings:
   This is the most important factor in your money management program. By budgeting using the guidelines above, you should be able to save a minimum of 10% of your income each month. Keeping the number at 10% provides realistic figures for the other expenses each of us have and still allows for a certain amount to remain in our savings account. With the $2000/month income, that’s $2400/year you’ll be able to save.
8. For more information on money management and how to create a budget, visit the link below, under the Resources headig, titled ‘Budgeting Money’.

Ever wonder what you can do with domain names? You can purchase a domain name and use it very easily to make you money without even building a website…

Instructions

1. The first method is to use a simple redirection tool (link to this tool in resources area at the bottom of article). This tool allows you to create unlimited sub-domains to any page or website that you want. The real page name is never revealed, so if it is an affiliate link, your link is never exposed. There is a yearly fee for this and includes the domain name. It is inexpensive for what you can do with it.
2. Second method is to create a php website, this type of website populates itself and automatically integrates content depending on your keywords. This is usually a complicated method, but thanks to software, you can create websites with hundreds or even thousands of pages in just hours compared to years. (Link for this in resources area)
3. Third method is to purchase a domain and create optin pages or squeeze pages. This method is an effective way to build a mailing list as well as introduce people to your affiliate product and capturing their name and email. This also would be a tedious job as well without software, but of course someone made something to make it easier. See the links below to get it.
4. Fourth method is not to do, don’t “park” your domain name, with the methods above you can make your domain earn money, even adsense money. With all of the options out there, you can earn money just by directing your website to an affiliate website.

Tips & Warnings

• Don’t forget keywords and meta tags, these tell what your site is all about and leads people to your website
• Utilize the tools listed in this article, you will make money with them all or even one.

You’re asking ‘why $3000?’ Well, this is what I make monthly in passive income, so this is what I know works for me. At the risk of sounding like a unpaid advertisement, I just wanted to share a few techniques that have worked very successfully for me (and my family). Here it is in true ‘how to’ format:

Instructions

1. Sell stock options. I sell (write) stock options. A lot of people think this is incredibly risky, and you are speculating on the market. The truth is that there are options strategies that are very risky. There are also very conservative strategies too. Selling options is speculative…that statement is 100% accurate. By selling options, I am speculating that they will never meet the conditions that I am setting. For example: what do you think the odds are that the S&P 500 is going to skyrocket 10% in the next week? I would say at this current time that that possibility is very slim. I felt so strongly about that ‘speculation’ that I sold several options attesting to my theory and made 7% on my money…in an equal amount of days. If you have not already read some of my articles on selling options, check them out (on the lest side of the screen). My monthly average income from selling extremely conservative options: $2300.
2. Invest now in rental properties. I started buying properties close to my house in 2007. I currently own three. Having never dealt with rental or investment properties before, I tried to read anything and everything on real estate before actually ‘pulling the trigger’ (committing any funds of my own). I would be so overloaded with useless knowledge by the end of the day that I had to take a serious look at what I was trying to do. Was I trying to learn about every ‘what if this happens’ scenario; or was I trying to make a passive income? I decided to go out and look for a specific type of house under $100,000 within 30 miles of my current home. I literally found hundreds that matched my criteria, and by running comparable calculations on neighborhood appraisal values, I was able to narrow my search to the houses that were listed 25% or more below market value. With these I ran a comparable calculation on neighborhood rental values, and then determined which would allow me to make the most return (annual rent after expenses/mortgage down payment). A week and a half later I had signed the contract to close on my first property. Check out my article on profiting from rental properties if you haven’t already…it outlines the strategy that I used to profit considerably. My monthly average income from rental properties: $450.
3. Build a ‘niche’ website, and then monetize it. I own three ‘niche’ websites. I don’t make a lot of money off of these…but they allow me to be creative and expression my passion for hobbies and interests. I can blog about whatever I want, add any articles or videos I want, and I can update it when ever I want (for instance, I’m currently writing this article at 3:25 AM). I make money by selling a few products from other businesses on my pages and by Google AdSense. I considering adding Amazons affiliate program, but I am little hesitant. I do not like the look and ‘feel’ of overly monetized sites, so I may put this on the back burner for awhile. My monthly average from ad revenue: $210.
4. Always be on the lookout for passive income opportunities. I have several ‘small trickles’ of monthly income that come from several different sources: I have bank CDs (bought when the interest rate was 5.5%)…$42 a month. I participate in social lending programs on prosper.com and lendingtree.com…$16 a month. I have stock dividends and oil distributions that return an average of $99 a month. All of these investments are totally hands off…I basically just receive credits in my account balances once a month and am able to pull them out or reinvest them as I see fit. Total monthly average: $157.

Tips & Warnings

• The way to true financial freedom is by researching…and then doing! You have to put your money to work…so you dont have to!

Learn how to make money with any type of website.

Instructions

1. To start making money with your website, Adbrite is a great program, no matter what type of website you have.
2. With this free program, you simply allow small ads to be displayed on your web pages (much like google adsense) and you earn money each time an ad is clicked.
3. There is no charge to get started. A direct link to the sign-up/overview of this free program has been provided below, under the resources heading.

Okay, you have an attractive and easy-to-use website, your all set to convert your prospects into customers when they arrive. Now the real fun begins. It’s time to get creative, and increase your website’s traffic by making sure people are actively looking for your products and services and are willing to pay for
them.

Many website owners believe that some webmasters have a secret or trick that most of us have overlooked. They assume that they’ve created magical formulas for driving hordes of people to the their
websites, and that all that stuff is far too complicated for us ordinary folks. They’re Absolutely Wrong.

Increasing your website traffic is not about smoke and mirrors. But rather, it’s about learning and applying the fundamental set of rules and principles that govern why people visit websites. Keep in mind there are many, many ways to attract people to your website; so many in fact that there’s no way to ever do them all…Imagine if you could, WOW!

Since most of us are not millionaires – let’s focus on some of the more effective techniques that require more time, energy, imagination and knowledge, rather than money. In other words, you don’t have to pay out the wazoo to get your website noticed. There are many low-cost or no cost methods to driving a swarm of targeted visitors to your site, so you don’t have to call your loan officer.

Did you know that 87% of online surfers use search engines as their primary means of finding new websites, that results in over 100 million searches each and every day. Most of these people assume that
the websites listed first are better than those that come after.

Online consumers prefer to do business with websites listed in the top 20 results, and 80 to 90 percent rarely look beyond the first page of results. Also, visitors who are sent to a website by a search engine are ten times more likely to become customers.

What does this all mean for your website? Simply that the higher your website appears in the search engine listings, the better! So be sure to submit your website to all search engines about every 3 to 4 months.

Use powerful keywords: It is very important to add your most powerful keywords to your webpages, headings, alongside graphics and internal and external links. Just be sure to not over do them and make sure they are pertinent to your website, otherwise the ’spiderbots’ will assume you’re trying to trick them, that will work against you.

Also, you want plenty of links to your website from outside sources to all of the pages on your website, but
make sure your visitors can get to your homepage. Backlinks or Inbound links are direct one-way links from other websites into yours. Because they act as kind of an objective vote for your website, they are one of the best things you can do to improve your standing with the search engines. Refrain from doing too many reciprocal links they often work against you, but are good to have in moderation.

Instructions

1. Create your own Affiliate Program and Participate in others, This is a Great way to get more traffic plus alot of one-way links to your website.
2. Barter! – Even though recipricol links aren’t as effective and backlinks it’s important to have many avenues leading to your website
3. Use forums, articles and inexpensive advertising to get as many one-way links to your website as possible.