segunda-feira, 25 de janeiro de 2010

27 Money Tips for College Students

Money Management
Now that you’re on your own, you might be tempted to spend money on all the things your parents wouldn’t let you have before. Go slow. If you play it smart, you can avoid the sort of money troubles that plague many young adults.
  • Join a credit union. Don’t just sign up for a random bank giving away t-shirts or frisbees at registration. Track down a credit union in town, or do some research into online banks.
  • Don’t get a credit card unless you absolutely need one. Don’t be a sucker. Those guys sitting behind the sign-up table are not there to help you. They’re there to make money.
  • Avoid non-academic debt. It might seem like a good idea to put that Xbox on a credit card, but it’s not. Focus on developing good money skills with cash. Worry about credit later.
  • Save and then splurge. If you decide you must have that Xbox, then save for it. Wait until you can pay cash.
  • Pay your bills on time. Basic advice, but it’s surprising how many people lose track of things. If you pay your bills as they arrive, you won’t have to worry about forgetting them.
Organization and Planning
Some minimal organization will keep your finances in order. Each of these is an important adult financial skill.
  • Track your spending. Use a notebook, or use Quicken if you have it. Good records will prevent you from getting overdrawn at the bank or charging more than your credit limit. This habit also allows you to detect spending patterns.
  • Make a budget. It doesn’t have to be fancy. At the start of the month, estimate how much money you’ll receive and decide where needs to go. Remember: you don’t need to spend it all.
  • Save your receipts. Put them in a shoebox under your bed if you must, but hold onto them. You’ll need to be able to compare them with statements at the end of the month. And some you’ll need to keep for several years.
  • Guard your vital stats. Don’t give out your social security number or your credit card info except to known and trusted sources.
Campus Life
It seems like there are a hundred thing competing for your money. It’s hard to know what to do. Here are some smart ways to save money on campus.
  • Buy used textbooks. You’re just going to sell them back at the end of the term. (Or end up wishing you had done so five years from now.) You don’t need new textbooks.
  • Skip spring break. Forget the long road trips. You can have a lot of fun for cheap close to campus. (My college used to organize economical group trips; yours probably does, too.) You might be surprised at how fun it can be to stay on campus, too.
  • Live without a car. Cars are expensive: gas, maintenance, insurance, registration, parking. Stick close to campus. Learn to use mass transit. Find a friend who has a car.
  • Don’t hang out with big spenders. Some kids have parents with deep pockets. Other kids are well down the road to financial trouble. Hanging out with them can lead you to spend more than you can afford.
  • Take advantage of campus activities. There’s always something to do. Attend free movie festivals. Pay a few bucks to see the local symphony every month. Support the sports teams. Attend lecture series. Get the most from your student ID!
Personal Life
Take care of yourself. Your mother isn’t around to remind you to brush your teeth. Nobody’s going to scold you for eating three bowls of Cap’n Crunch. Self-discipline is more important now than it ever has been in your life.
  • Go to class. You’re in college to learn. Everyone skips now and then, but don’t make it a habit. What you learn and do now will have a profound impact on the rest of your life.
  • Get involved. Staying busy staves off boredom. It also helps you build skills and form social networks that will last a lifetime. Try out for a play. Join the astronomy club. Write for the school paper. Find something that sounds fun to you and do it. Take risks!
  • Stay active. A healthy body costs far less to maintain than an unhealthy body. You don’t have to do much to avoid gaining weight in college. A walk around campus each day will probably do it.
  • Eat healthy. It’s possible to eat well on a small budget if you know what you’re doing.
  • Limit vices. Beer, cigarettes, and pot are expensive. They also screw with your body and mind. Take it easy on the vices. There’s nothing wrong with a drink or two on Friday night, but don’t go overboard.
  • Learn the art of the Cheap Date. The student’s guide to cheap dates suggests:
    • Take advantage of mother nature
    • Go for coffee
    • Use CitySearch to track down cheap food and activities
    • Attend campus events
  • Have fun. Your college years will be some of the best of your life. It’s trite, but true. Make the most of them.
Decision Making
Get in the habit of making smart choices now, and you’ll develop a pattern of behavior that will stand you in good stead the rest of your life.
  • Make smart choices. You can do anything you want, but you can’t do everything you want. Decide what’s important to you, and pursue that. And remember to leave time for yourself.
  • When you want to buy something, ask yourself “Do I need it?” If you think you do, then wait. Don’t buy on impulse. Write the object of your desire on a piece of paper and pin it to the wall. Look at it every day for a week. If, at the end of the week, you still think you need it, then consider purchasing it.
Making Money
I’ve saved the best for last. If you can master even one of these, you’ll have a head-start on your friends. Master all four, and you’ll be on the road to wealth. No kidding.
  • Spend less than you earn. Don’t earn much? Then don’t spend much. If your spending and income are roughly even, you have two choices: earn more or spend less. When I was in college, I worked as many as four jobs at once. This gave me a lot of spending cash. (Unfortunately, I didn’t do a good job with the spend less part of the equation.)
  • Be an outstanding employee. Good work habits can pay enormous dividends, leading to recommendations and contacts that you can use after you’re out of school. Several of my classmates turned work-study jobs into launching pads for future careers.
  • Start your own business. Can you install a hard drive? Can you strip a computer of spyware? Can you perform minor car repairs? Do you have a pickup truck you could use to haul furniture? Are you a passable guitar player? Charge cheap rates and exceed expectations. Word will spread. When you’ve built up a customer base, you can raise your rates a little. This is an awesome way to make money.
  • Learn to invest. Find a discount broker and begin making regular investments. Sharebuilder is a great choice for college students. It costs only $4 to make a scheduled stock purchase, and you can invest any amount of money, even $20. Don’t obsess over the details yet. You can worry about high returns and low fees later. Right now the most important thing is to develop the investment habit. (Ad: Buy Stocks for $4 at ShareBuilder.) Ten years from now, you’ll thank yourself. If you can find a way to invest $1000 a year for the next ten years, you can set yourself up for life. No joke.
ShareBuilder-Welcome page
You’re ahead of the game just by reading this list. Now do yourself a favor: subscribe to Get Rich Slowly via RSS or via email (see the sidebar). Then go visit I Will Teach You to Be Rich. Ramit’s advice is targeted directly at young adults.
Also, if you can find it, pick up a copy of Young Money, a magazine for college students. (Browse the magazine’s archive of money management articles online.) Finally, download the free PDF “40 Money Management Tips Every College Freshman Should Know” from Scholarship America.
Now stop fretting over money. Get out there and have some fun. I’ll be here when you return.

quarta-feira, 20 de janeiro de 2010

101 Ways to Monetize Your Website or Blog

Text Link Advertising

Text Link Ads (aff.) – The leader in paid text link ads.
LinkWorth – Keep up to 70% of the ad revenue.
Text Link Brokers – Make money buy selling links in a directory on your site.
Live Customer – Static HTML ads with flat monthly rates.
LinkAdage – Matches advertisers with publishers
Direct-Link-Ads – Keep up to 75% of the ad revenue.
PaidTextLinks – A smaller text link program.
Kontera – Create contextual links automatically.
AdSter – Customize your ads to match your website.
Vibrant Media – Vibrant in-text advertising. – Basic text ad service.
SearchFriendlyAds – Not live yet.
YzMedia – Another text link option.

Direct Sales

KickStartCart – A shopping cart, merchant account and marketing tools.
PayPalPayPal – One of the lowest-cost choices for selling your own products.
EasyStoreCreator – Provides a package that includes hosting, merchant account integration, and shopping cart.
1ShoppingCart – Offers different packages with marketing tools, shopping carts and merchant accounts.
ASecureCart – An affordable shopping cart service
NetSuite – Full e-commerce option.
GotShoppingCart? – Free version available.
3D Cart – Includes marketing, statistics and more.
Americart – 30-day risk-free trial.
MonsterCommerce – Full of features.


Google AdSenseAdSenseThe industry leader.
Yahoo Publisher Network – Yahoo’s AdSense alternative.
Chitika – eMiniMalls is not a typical PPC program, it is different kind of pay-per-click product promotion.
Kanoodle – A second-tier PPC option as opposed to Google and Yahoo.
Ads-Click – You set the price per click for ads showing on your site.
AdBrite – Control and customization options.
ABC Search – Another 2nd-tier option.
BidVertiser – Large network PPC program.
Clicksor – Contextual ads program.
Qads – Ad program from Qumana.
PeakClick – Pays in Euros.
DoubleClick – Another targeted PPC
RevenuePilot – Keep 60% of the revenue.
Search Feed – Another option for targeted PPC ads.
Targetpoint – For publishers of all sizes.
OneMonkey – Keep 80% of the revenue.
Miva MC – PPC ads plus the option for contextual PPD ads.
ClickBooth – Claims to have the highest payout in the industry.

Banner Ads

AdEngage – Not a typical banner ad, the’re photo ads with text.
AdDynamix – Also offers other options besides just banners.
BannerBoxes – Your keep 75% of the revenue from each click.

Affiliate Programs

Commission Junction – One of the leaders. Manages affiliate programs for all kinds of products.
Click Bank – All downloadable affiliate products.
LinkShare – Claims to be the largest pay-for-performance affiliate marketing network.
Azoogle Ads – Also claims to be the largest performance-based online advertising network.
Amazon – One of the oldest and most successful affiliate programs.
Context Links for Amazon’s Affiliate Program – Auto creates affiliate links to Amazon’s products.

Paid Reviews

ReviewMe – Get paid to review other websites and blogs.
PayPerPost – Make money writing about website, products, services and companies.

Parked Domains

Revenue Direct – Make money from a parked domain.
Parked – Another option for parked domains.


The News Room – Make money by placing news items on your site.
Tribal Fusion – Represents the advertising for selectively approved websites.
IndustryBrains – Has a few different options that would fall into various categories above.
Adknowledge – Options for email, web, and search engine inventory.
Yesadvertising – Lots of options, including contextual ads, email, banners and pop-unders.
ValueMedia – Several different options, including video.
Auction Ads – Make money by displaying Ebay items.
IntelliTXT – Contextual ads that include video.
PremierAd – Lots of different options. You keep 80% of ad revenue.
BurstMedia – A variety of different options. – Multiple options, including video ads.
Openads – Online advertising software.
Casale Media – You choose what type of ads you want on your site.
VC Media – CPC or CPM options.
Ads by RSS – Places ads on your website, using RSS.
AdSpaceAuctions – Sell ad space on your website through an auction.
TextMarks – Monetize your blog with text message alerts.

Sell Ad Space

AdSonar -Provide content-targeted ads.
BlogAds – You control the ads that appear on your site.
Crisp Ads – name your price for direct sponsors.
ADSDAQ – Choose your asking price for ads and ADSDAQ matches you with advertisers.
AdVolcano – Set your own prices and ad sizes.

RSS Feed Monetization

Pheedo – PPC for RSS feeds.
PostPostWordPress Plugin – Display affiliate links or ads before or after your feeds (other uses beside just advertising).
Feedvertising – Runs txt link ads in your feed.
FeedBurner AdsfeedburnerIf you use FeedBurner’s services for distributing and tracking your feeds, you also have the option of using their advertising services in your feeds.
MediaFed – Automatically inserts ads into your feed.
FeedShow – Puts PPC ads into your feed.
Fedafi Publishing Network – Monetize your feed with the Fedafi WordPress plugin.
Yahoo Publisher Network – PPC ads in your feeds.

Job Boards

Joards – Put a job board on your site and keep 75% of the revenue.
Job-a-matic – Another option for making money with a job board.

WP Plugins

AdSense-Deluxe – Embed AdSense or Yahoo Publisher Network ads into your blog.
AdSense Sharing Revenue and Earnings System – A plugin for blogs that have multiple writers. Let each of your writers make money from ads on their own posts.
AdSense Injection – Inject AdSense ads throughout an existing blog.
Google AdSense Referral Rotator Plugin – Make money by referring other users to AdSense.
Amazon Media Manager – Easily ad Amazon affiliate products to your blog.
WP-Amazon – Quickly search for products and add Amazon affiliate links while writing your posts.
Last Amazon Review Plugin – Displays your most recent review of a product listed on Amazon and includes your Amazon affiliate link.
Text Ads Link Widget for WordPress Sidebar – A simple widget that makes it easy to display text ads in your sidebar.
WPAds Plugin – Show and rotate ads on your blog.
AdRotator Plugin – Randomly rotates ads that you choose.
WP E-commerce Shopping Cart Plugin – Creates a shopping cart with tons of features and options for your WP blog or website.
EasyPayPal WordPress Plugin – Integrates your blog and your PayPal account to accept donations or fees.
Buy Me a Beer Plugin – Accept donations from your readers by asking them to buy you a beer (or coffee) if they liked your post.
CafePress – Sell your own products on your blog.
YAK – Simple shopping cart plugin.

BY (Had to post it here, it's one of the most helpful posts i've seen) Thank you!

segunda-feira, 18 de janeiro de 2010

Money Online Fast

Actually it does have to do with making money online in the sense that I am going to find out exactly how G decides which videos it pushes to page 1 in the search results. To that end I am going to go out on a limb here and suggest the videos with the most anchored backlinks will win. Yes a real stretch so with that in mind you can go directly to youtube and watch the Red Fox Video there. (You can watch it here - I just needed an excuse to send a proper keyword anchored backlink to the vid.) ;-)

And yes - I shot the video. That's my 7 year old feeding the Fox and yes I know... don't feed wild animals. (Last time I did I ended up with a pet wolf for 15 years - btw. Max the Wolf passed on two months ago from old age - we miss him a lot.)

So as long as I lured you all here under false pretenses I have a question for all you twitter users. Have any of you signed up with Okay 2 questions - if you have are any of you getting advertisers?

On paper sounds like it might make a few bucks if you have enough twitter followers. The premise is simple enough - sign up and tweet a couple of ads a week to your followers and get paid a weekly fee for your effort. The thing is I signed up with my small following of twitterers (only 800 followers) and have yet to see an advertiser darken my doorstep. Not that this surprises me as I haven't played the twitter game of following everyone who follows me. If I had I would be well in the 5 figures by now. Many of my readers do have thousands of followers though and I thought I'd trouble you folks for some feedback. Are you using and if so how many followers do you have and what kind of rate are you getting based on your followers? If it turns out that there is money to be made in this I may have to rethink my twitter following.

If you haven't heard of and have a lot of followers (you need a minimum of 50 to be accepted) then you might want to join up (it's free - really free...) and test it yourself. That link has my referring id in it and normally I wouldn't care if you used my link or not but I got an email from yesterday that said I had cracked the top ten for referrals for some contest they are running - who can send the most traffic to them of course - and the prize is a MacBook which I don't need or want (I'll give it away on here should I win it once I think of some lame contest...) These kind of contests never interest me but when I saw the list of who was in the top ten I felt the urge to catch Mr "I make money online by taking pictures of my food" Chow... If inclined please join and full disclosure - I make no money from you joining and have not been paid to promote (I really just want to find out how many people Chow referred and I need to beat him to do that - isn't publishing the numbers.) Yes I do have better things to do...
Speaking of which - I just found out my friend Allyn Hane finally got his Beer Review Blog up and running and I want to lend him a hand with a link and some traffic if any of you are into cold frosty beverages. Allyn is a heckofanice guy and drop in on him if you have a moment. If you are a struggling musician he is looking to promote unknown music on his beer videos (Allyn is a video blogger) so get in touch with him if you are looking to promote your stuff.

Lastly for the 16 emailers who politely and some not so politely asked me to put up a new post... I just did. :-)



Prologue - It took about an hour for the video to show up on page 1 of the serp's for "Hand Feeding a Red Fox" - not a competitive term but apparently links work just as well for vids as they do for pages.

Money with no work

Making money online used to pretty much require you to have your own Web site, products to sell and some marketing savvy. But a new generation of dot-coms have arisen that will pay you for what you know and who you know without you having to be a web designer or a marketing genius.

But it's hard to tell hype from the real deal. I did a search on "make money online" and "making money online", and much of the information out there is just promoting various infoproducts, mostly about Internet marketing. I see why people sometimes ask, "Is anyone making money online besides Internet marketing experts?"

So I put together a list of business opportunities with legitimate companies that:

  • Pay cash, not just points towards rewards or a chance to win money
  • Don't require you to have your own Web domain or your own products
  • Don't involve any hard-selling
  • Aren't just promoting more Internet marketing
  • Give a good return on your time investment
In the interest of objectivity, none of the links below are affiliate links, and none of them have paid or provided any other consideration for their presence here. These are legitimate companies with business models that allow you to get paid for a wide range of activities.

Help friends find better jobs.

Sites like ReferEarns, Zyoin, Who Do You Know For Dough?, Bohire and WiseStepp connect employers with prospective employees, many of whom are already employed and not actively job-hunting, via networking - the people who know these qualified candidates. Rewards for referring a candidate who gets hired range from $50 on up to several thousand dollars - not chump change. If you know a lot of job-seekers (and who doesn't these days?), this is a great way to break into the recruiting business with no overhead.

Connect suppliers with buyers.

Referral fees are a common practice in business, but they haven't been used much in online networking sites because there was no way to track them. Sites like Salesconx, InnerSell and uRefer now provide that. Vendors set the referral fees they're willing to pay (and for what), and when the transaction happens, you get paid. uRefer also allows merchants to set up referral programs for introductions and meetings, as well as transactions.


A growing number of sites will pay for your articles or blog posts. Associated Content and Helium will "pay for performance" based on page views for just about anything you want to write about. Articles on specific topics they're looking for can earn direct payments up to about $200. The rates are probably low for established writers, but if you're trying to break into the field and have time on your hands, they're a great way to start. Also, a lot of companies are looking for part-time bloggers. They may pay per post or on a steady contract. Our Weblogs Guide posts blogging jobs weekly in the forum.

Start your own blog.

You don't have to have your own Web site, or install blogging software, or even figure out how to set up the advertising. At Blogger you can set up a blog for free in less than five minutes without knowing a thing about web design, and Blogger even automates setting up Google AdSense so you can make money off your blog by displaying ads and getting paid when people click on the ads. To make even more money from it, set up an affiliate program (see below) for books, music, etc., and insert your affiliate links whenever you refer to those items. You'll have to get a lot of traffic to become a six-figure blogger, but pick an interesting topic, write well, tell all your friends, and you're off to a good start.

Related: Monetizing Your Blog

Create topical resource hubs.

Are you an expert on a particular niche topic? Can you put together an overview of the topic and assemble some of the best resources on the topic from around the web? Then you can create topical hubs and get paid through sites like Squidoo, HugPages and Google Knol. Payments are based on a combination of ad revenue and affiliate fees. You'll get higher rates doing it on your own, but these sites have a built-in supply of traffic and tools to make content creation easier.

Advertise other people's products.

If you already have a Web site or a blog, look for vendors that offer related but non-competing products and see if they have an affiliate program. Stick to familiar products and brands - they're easier to sell. To promote those products:

  • Place simple text or graphical ads in appropriate places on your site
  • Include links to purchase products you review or recommend in a blog, discussion forum or mailing list you control
  • Create a dedicated sales page or Web site to promote a particular product
They all work - it just depends on how much time you have to spend on it and your level of expertise with Web design and marketing.

Related: How to Really Make Money on the Internet With an Affiliate Site

Microstock photography.

You don't have to be a professional photographer to sell your photos for money. People are constantly in need of stock photography for websites, presentations, brochures and so on, and are willing to pay for the right image. People generally search for images on stock photography sites by keywords, not by photographer, so you have the same chance as anyone else of having your image picked. Just be careful that you don't have images of trademarked brands, copyrighted art or people's faces that are readily identifiable (unless you have a model release), but just about anything else is fair game, and I promise - you'd be amazed what people need pictures of, so don't make any assumptions. If it's a decent photo, upload it. Some sites to get you started include Fotolia, ShutterStock, Dreamstime and iStockphoto. The great thing about this is that it's truly "set it and forget it".

The above list is by no means comprehensive, but it highlights some of the new and interesting ways to make money online without investing any money, without having a product of your own, and without having expert sales and marketing skills. Most of all, unlike taking surveys or getting paid to read e-mail, the potential return on your time investment is substantial.

Make Money Online

Video Marketing is an efficient way to promote your business. Customers are attracted to a product rapidly if the same is promoted by visual based ads. Ansel Adams, the famous US landscape photographer once said, “A picture speaks thousand words”. If a picture can speak thousand words, videos can tell you a complete story! We live in a very busy world and we have to deal with quality obsessed customers. Most of today’s customers do not have time or do not bother to read a detailed print material where everything about your business is detailed. They are quickly inclined to a brochure with lots of images or a crisp yet enlightening video advertisement.

If you thought that free video sharing websites like YouTube and MetaCafe are meant for people who want to share their family moments with relatives or for teenagers to share funny stuff, you probably didn’t notice the possibility of using these sites as an effective marketing tool. These websites are an easy and inexpensive method for you to promote your local business. You can shoot a small video of your shop by yourself or hire a local videographer to shoot and edit your own advertisement. This advertisement can easily reach your local community and more people will come to know about your business.

When you begin with video marketing, you can try with some already existing footage which you shot to promote your business or you can borrow a handycam from your friend and shoot it by yourself. This will help you to cut video production costs. There are some uploading tools which will upload your video to several directories. Get help of such uploading tools. Traffic Geyser and Tube Mogul are two major uploading tools used in video marketing.

Watching several commercial advertisements and other promo videos will help you get some idea for your own footage. Your video should be very informative in the first place. It should clearly explain where your shop is located, how can someone reach there, products and services you offer, possible advantages of a consumer if they do business with you, discounts going on, warranty on products etc in the footage. Try not to exceed 3 minutes so that your viewer will pay complete attention to the footage without getting distracted.

Advanced editing techniques and right background music will make your footage look very professional. You can seek a professional video editor’s help for this. A video editor can help you in picking up the right titles and fonts for the video and the necessary color enhancements. You should attain the maximum sharpness and resolution to your clip while uploading to directories.

The last part in an effective video marketing is the information you provide with your video. You should be able to enter sufficient metadata so that search engines can quickly pick your video in their search results. When you upload your video in a directory like YouTube, try to give appropriate title which mentions the type of business you do and the location. Entering as many keywords or tags possible will help search engines to pick up your footage if someone search with a tag you entered in your video. You should avoid inappropriate tags because it will only help you get several hits but will not actually promote your business. There is a possibility that spam filters will exclude your video while searching.