Now here’s something for those of us who’re average. We don’t have huge lists, megabux to spend on ads, etc. Is this you?
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From Project Payday:

Dear Average Joe,

This may feel like a blow to the stomach, but I’ve got to say it. Chances are, you don’t have what it takes to make money online the way I do.

Does that sting? Before you get up to slug me, let me explain. What I have that you probably don’t … is a lot of free time to work on my Internet business.

Most Average Joes don’t have the time to sit down and learn how to start a business. They’re busy working their rears off at low-paying jobs. Sometimes even balancing two full-time jobs.

Many Average Joes are going to school … sometimes in addition to working. And lots of Average Joes are busy with kids. Any of this sound familiar?

Another big obstacle is money …

Find out how to join for free.
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Ever served on Jury duty? If so, you might have seen the Judge issue something called a bench warrant for people who failed to appear. Now some people are using this fact as a basis for a jury scam.

The way it works is that the scammer phones you and informs you of the warrent. You, of course, never received a summons, but might assume you missed it. The scammer demands your social security number to verify that you were never sent a summons (or they might demand a credit card number.)

Give it to them and your identity has just been stolen.

Snopes.com has the rundown of the scam.

So if you get a call from one of these people, or anyone who demands a social security number or credit info, get their name and number, and their supervisor’s name.

Tell them you will call the their office and follow up. You’ll also report them to their supervisor for being rude. Of course, the name and number they give you, if any, will be phoney. They might even hang up on you. Good.

You can look up the Jury offices (or whatever other office they claim to be associated with) in the yellow pages and give that office a call to verify your status, if you’re really concerned.

Never give out your social security or credit card info to anyone who calls, unless you were expecting the call and you have reason to believe they’re legit.

If they are legit you can always call them to provide any necessary info. Use the number off your bill to make the call if you suspect anything.

Same with email, by the way. Never respond to an email asking for identity data.

KM

Making money on the net is like making money, with your own business, in the real world. There are certain, challenges. One of the things that helps is to have a road map and this site helps to provide one.

This month you will discover how Richard has duplicated a winning formula and leveraged past successes to create new streams of income that together are pulling in $280,000 a year!

You’ll also find out how a former University Professor is pulling in $100k per year selling software packages.

Each month some lucky webmaster gets to have the IMC team give his site a thorough review, top to bottom. This month’s review:

In this month’s site review, we give veteran basketball coach Ronn Wyckoff a few coaching tips of his own, and show him how to improve the site he’s created to sell his four-hour “virtual basketball camp” DVD. 

In addition to the free ebook you get when you sign up, and the chance to have your website reviewed by these guys, every month you’ll get two more blow by blow success reviews and another website overhaul.

Join now

PriceStore is a shopping comparison engine where you can compare prices for your everyday shopping needs and get coupons and rebates.

This is from Brian on the Warrior Forum:

1. Get rid of any services that you don’t REALLY need. If you have 1,000,000,000 cable channels, maybe downgrade that to the minimum and get rid of all the movie channels that you never watch anyway. This can easily save you $50 or more (or even more if you get rid of cable completely).

2. Bring a lunch to work, or eat out less. This doesn’t mean you need to be cheap with your wife or sweetie pie, but if you find yourself eating out almost every day (I know many people who do), try to minimize that. This can save some people anywhere from $200 to $400 or more a month. Just try to eat normal meals in and save the going out for the special times.

3. If you have any bad habits like smoking, try quitting. Not only will this improve your health, but you could save anywhere from $150 to over $300 a month — plus your wife will stop nagging you to quit.

4. If you really need a cell phone (completely understandable), try to keep the minutes in check and try to get rid of any of the extra features that you pay for by never use. Doing this can save anywhere from $10 to several hundred a month.

5. Try to set a budget for yourself as far as shopping goes. Doesn’t matter if you’re shopping for clothes, food, or whatever else. You don’t need many of these things, and you should try to limit your spending here. If you set a fair limit, you’re still able to get those new clothes and the like, and you probably won’t miss too much (but you’ll save anywhere from $100 to $500 a month).

6. For your entertainment, try to sometimes think of cheaper alternatives. There are plenty of cheap to free things that can be just as much fun and cost a lot less. Instead of dropping $50 to $100 on a night out, try to budget yourself to keep it under $30 or so — and limit the number of times you go out.

7. Try off brands. Doesn’t matter if its food or other products. Many off brands not only taste the same or better, but they often are either a better quality or have much more quantity to them.

8. Here’s a big one … try to limit your credit cards! Just because you can get a credit card to purchase that $3,000 tv doesn’t mean that you should. The interest rates alone on these can you a bundle. A $3,000 tv can all of a sudden turn into a $6,000 tv over time. Limiting yourself here will not only directly save you money, but not having those high interest rates will save you hundreds to thousands more.

9. Look into some used things instead of buying everything new. Some used cars can be great deals, and they can be much more within your budget. Looking for a new tv or stereo system? Try checking out the classifieds first. This doesn’t mean you have to buy crap — look for high quality used items.

10. And finally, don’t buy anything that you can’t afford. If you can’t afford that new tv or car, don’t try. This will send you into a world of never-ending debt and make it nearly impossible for you to get out of.

11. If you are in debt, try to negotiate with your creditors. Often times, you can negotiate your debt down to 50% or less. I know a person who was able to pay off a ton of debt and did so with only paying 40% of what she owed (and her debt was fully paid off). To the creditor, some is better than nothing … and if they think there’s a risk of getting none, they will bargain with you.

12. If you own a home or car that you are still paying off, try to give one extra payment a year. This might not seem like much, but it can save you $100,000 or more on a house in the long run (yes, it’s true).

Ultimately, what you do is up to you, but if you follow these tips, you’ll find that you’ll have a lot more money to play around with. Even doing a few of these things will bring you a decent extra income and probably won’t “hurt” you in anyway.

If you are able to do this, you’ll have an excellent head start with managing a business.

Find the Secret to Making Money Online

Do What?

Make a pile of money each month. For example:

Want to learn how Byron Walker, of InvestorsWholesale.com, is pulling in $25,000 to $75,00 A MONTH after only six months online with a site that doesn’t sell anything? All he does is give away valuable real estate investing info. It’s what he gets in return that makes him the money.

Or how David Kern, the Johnny Appleseed of the Internet, who has seeded the Web with articles about his nutritional supplement, Apple Poly, is going to do $100,000+ this year?

How about Vicky Rowe, of GotMead.com, who has built a wildly popular community site for people who love making, drinking, and thinking about mead, an ancient fermented beverage based on honey. With almost 100,000 VISITORS A MONTH, she’s in a position to make some serious money. The IMC team will show her how.

You can bet I’ll be reading those articles, since I’m not in their league yet. If you want to read them all you have to do is go to STTS.

This is the November set of STTS reviews and interviews. They do this each month. If you become a member then you too can find out their secrets.

Let me start off by saying that I’m not exactly the most tech-savvy person on the planet. I mean, my 60-year-old mother had an iPod before I even knew what an MP3 player was. So it’s not very surprising that I’m a latecomer to the whole wireless movement as well.

In fact, it wasn’t so long ago that a couple of friends convinced me to spend a bit more money for a [tag]Bluetooth enabled cell phone[/tag] instead of the generic model that I wanted to get.

At the time, I had no clue as to why [tag]Bluetooth enabled[/tag] cell phones were so special, nor did I have any idea why I would need one. But my friends (and a very friendly salesclerk at the mall) took the time to explain what I would be missing out on.

I discovered that Bluetooth phones have numerous features that would allow me to do a variety of things that I wouldn’t be able to do with a standard mobile device. For example, with a Bluetooth cell phone, I would be able to wirelessly transfer things like e-mails, contact information, and other basic content to someone using a similar device. I may not know much about technology, but I know convenience when I hear it!

At that point, these Blue tooth phones were sounding better and better to me. And then, after I bought mine I found that I could have gotten the Motorola Razr free…

I learned that with a Bluetooth cell phone, and a special car kit, I would be able to make and receive hands-free, wireless calls while driving. This would of course be a lot safer than using a standard mobile phone that I have to  handle manually.

There are even cars that already come with the equipment necessary to accommodate Bluetooth enabled cell phones, such as the Acura TL or BMW.  From what I hear, more automakers are going to be following that trend in the next few years.

Heck, given the news stories about cell phone related accidents it may even be required.

Because of these neat features, it may sound as though Bluetooth enabled cell phones are significantly more expensive than standard devices. However, that’s not the case at all. While it’s true that I did see a couple of very high-end devices that came with jaw-dropping price tags, most of the Bluetooth enabled cell phones I checked out were very affordable. And what’s more affordable than free?

Plus, they came from well-known manufacturers like Sony, Nokia, and Motorola, so I knew I would be getting a quality product.

If you’re ready to embrace technology, I recommend picking up a Bluetooth enabled cell phone. The combination of exciting features, ease of use, and low cost will leave you wondering why you waited so long to convert!

Whenever I receive a [tag]credit card pitch[/tag] in the mail, it always emphasizes the wonderful [tag]credit card interest rate[/tag] on the cover. 3%, 2%, 0% APR! Wow!
Ahem. Contrary to what they always display across the front of these envelopes, only a handful of these credit card offers are worth looking into. You always have to read that fine print. It generally covers the back side of the offer.

This is where they give you a dose of reality. Yes indeed, it’s time for the real deal. That fabulous 0% credit card interest rate is actually only for the first year, and it probably only pertains to balance transfers.

Ah ha! They thought they were clever. The true [tag]interest rate[/tag] is generally something less savory. And while a company may pitch a perfect credit card interest rate for the first year, it will sadly go way up to around 15-20% at the end of the introductory term. No one wants that garbage.

If you are not currently aware of your credit card interest rate, then I suggest you do some checking. It’s imperative because these things will change and you may not even notice. That’s how sneaky those guys are. Ever miss the due date on your card payment? Watch what it does to your interest rate.
With the turn of a new year, or at the end of the term, you can bet that they’re going to raise that credit card interest rate to new heights. When this happens it may be time to search for a new card or call the company and have a serious talk.

Since the credit card companies actually want to have you as a customer they will listen to what you have to say, though they may not do anything. You may be able to get a point, or a few points, knocked off your interest rate. IF you’ve been a good customer and have been making all your payments ontime and haven’t gone over your limit.

Give it a try. The worst thing that can happen is that they’ll say they can’t do it at this time. They may even give you suggestions so that they can do it.
KM

[tag]Collecting money[/tag] is a well-established [tag]hobby[/tag] and has been enjoyed by many people for decades. That is, collecting [tag]old money[/tag]. We all collect money—or at least try to before bills come in—but how many of us collect old money, the antique variety from previous decades or even centuries?

Old money collectors of the paper variety, though not quite as common as coin collectors, still are active and manage to find some rare items from time to time. This variety could include pre US colonial currency, obsolete money from the 1800s, currency from the Confederate States of America, and souvenir cards of old money that’s too rare to actually find and purchase.

One such collector’s item in old money is called fractional currency. During and after the Civil War, the United States began to run short on change so started printing paper money worth less than a dollar.  50 cents, 25 cents, 15 cents, 10 cents and 5 cents were all denominations printed because of the lack of coins. They are now much sought after collectibles.

Another interesting type of old money to consider: private banknotes from the 1800’s. Before the US government created a national banknote, many private banks issued their own paper money without government backing. These banks eventually closed and those banknotes were counterfeited and altered. When the national bank system was created, privately issued bank money was excessively taxed to the point of being outlawed. While US government money has always retained monetary value, obsolete old bills from closed banks are worth nothing. Yet, they remain an interesting collector’s item.

Obviously a lot of old money is very expensive in this day and age. Authentic old money and notes from the 1800s and early 1900s are for the most part out of the price range of casual collectors. This is why collecting souvenir cards are becoming popular as you can collect a piece of history without paying an astronomical price.

Where can you find old money? It’s not an easy task. While you still might be able to collect a Thomas Jefferson 2 dollar bill, the really unique old money collectibles cannot will not be easily found or purchased. The best way to find old money nowadays is through dealers, collectors, auctions and old money paper shows.

One useful contact would be the International Bank Note Society’s journal and webpage which offer not only contact information s for trades and auctions, but also let’s you preview images of old currency on their website. Old money collecting is a unique and interesting hobby. More fun than it’s really worth in dollar amount.

One person’s story about her plan to get rid of the [tag]credit card debt[/tag] that piled up over the years:

I got my first credit card when I was in college. By the time I graduated four years later, I not only had my student loan to pay, but I now had some major credit card bills as well. Ten years later, I think that I am probably still paying for my spring break from back then.

Interest rates and continued spending have put me $20,000 in [tag]debt[/tag] on just my credit cards. While I have excellent credit, it is more difficult to get loans when companies see how much money you owe. My husband and I want to move to a bigger and nicer house within the next several years. Before we can get a higher mortgage, we need to eliminate credit card debt.
Granted, that is so much easier said than done and I am by no means one who should be talking. The very first step that we took to [tag]eliminate credit card debt[/tag] was to transfer some of our balances to 0% interest cards. By doing that simple step, we managed to save almost $40 per month from interest charges.

That extra $40 now goes to paying off our balance. Within a year, that means we will have paid almost an extra $500 towards our debt. I highly recommend finding a way to transfer some balances to lower interest rates as the first step to eliminate credit card debt.

An essential component to this is making all of your payments on time. If you miss a payment or are late with a couple of payments you’re likely to see you interest rate go sky high.
Knowing that I need to eliminate this credit card debt, I took on a part-time job in addition to my full-time job. We didn’t see one another as often as we did before but we have learned to appreciate each other more as well.

I don’t like having a part-time job but I have managed to put all of those earnings toward our goal - the elimination of our credit card debt. That was an extra $300 per month that I was able to pay towards our cards. I am quite a bit more tired than I used to be with working 2 jobs, but I know that I will be sleeping in a nicer house before too long.

I am absolutely determined to eliminate credit card debt before it controls our lives. It has for this long and I have grown way too tired of it. Some friends of ours filed for bankruptcy right before the laws changed. That was their easy way out and I personally could not do that. I have maintained an excellent credit score for this many years and I take pride in that.

I have chosen to take responsibility for and eliminate my credit card debt the traditional way. If I have debt, it is my fault. All of my credit card debt was from purchasing things, not from medicals bills or items I could not help. I accrued it and I will eliminate credit card debt the honest way. It may take me longer to eliminate credit card debt than they did, but I will do it. We need to pinch some pennies and tighten our budgets in order to eliminate credit card debt and we will manage. I’m determined.

© 2006 keepmoney.com