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Need Useful Ideas and
Sensible Advice?
Why burn your fingers by learning
the hard way. This can also result in you losing
hard earned cash. If you can get useful advivce
from genuine average people that have achieved
success then that advice is what is worth
implementing. Useful Ideas about working from
home and making money online from some experts
can be read below.Follow this sensible advice and
information because knowledge is power especailly
when it comes to earning money online, and to
avoid the scams and HYIP programs that just suck
your hard earned cash out of your pocket.
Take advantage of some of these
sensible ideas to get your business of to a great
start and to further your internet
earning potential .......
Mistakes to avoid when
working from home
By: Tina Barraclough
When
I first started my own "WORK
AT HOME" business,
I had no experience whatsoever , and I did not
know how to get started on the right foot. After
a lot of trial and error, I have learned [and
still learning] on what to do and not to do to
get started in my "WORK AT HOME "
business.
Any one who had decided to start their own
"WORK AT HOME" business , is going to
make mistakes along the way. Remember, no one is
perfect, so it is expected to make mistakes as
you learn. Many "WORK AT HOME" mistakes
can be avoided , when we learn from the mistakes
of others.
1. First of all, before you start a home
based business, you must
know what it is you'll be doing. You need to
educate yourself about your "work at
home" business. For example , Internet
Marketing , Placing classifieds , getting a WEB
SITE ,Follow-ups ,etc. Look at it this way , say
you sign up someone under you , and they need
help getting started , how are you going to help
them if you do not even know this? Expect your
first 6 months or so to be a learning process for
you.
2. SPAM
What is SPAM?
Simply put, SPAM is unsolicited advertising. It
is our belief that SPAM is in the eye of the
person being SPAMMED, not the person sending the
SPAM. While you may not consider a message to be
Spam, if the person receiving it does, it's SPAM.
If you are not 100% certain that the person or
persons you are advertising your Surfside
Internet site to will not complain, DO NOT
advertise your site to that person or persons.
Any SPAM complaint is cause for immediate
termination, no second chances, no questions
asked. This is a very serious matter. Surfside
Internet reserves the right to take legal action
against any person or persons involved in
SPAMMING
What types of advertising are considered SPAM?
Bulk e-mailing (sending an e-mail advertisement
to persons listed on an e-mail address lead
list).
Advertising with bulk e-mail services (companies
who will send an e-mail advertisement to persons
listed on an e-mail address lead list for you).
"Bounce back" e-mailing (sending an
e-mail advertisement in reply to an e-mail
advertisement that was sent to you).
Advertising your Surfside Internet site to people
that you don't know, who didn't specifically
request the information.
Cross-posting or advertising to Usenet
newsgroups, forum or discussion lists, and online
chats (IRC) is not allowed.
These are only examples. Remember, SPAMMING
includes ANY unsolicited advertising.
For more information about SPAM and how to avoid
it. Please visit this site:
Friends House In Rose hill:
http://www.rosehill.org/spam.htm
3. Posting ads on Forums: Like spamming , posting
ads on forums message boards can [most likely
will] get you banned. Forums are only to be used
as sources of information about business
opportunities. You can
ask questions , or get/give advice about any
"Work At Home" business , or other
topics , but absolutely not allowed to place any
ads of any kind. When visiting Forums, always
look for their rules/regulations , so you know
what is and is not acceptable on these Forums.
4. Submitting to FFA's. These are free for all
sites that you can post your ads on. Do not waste
your time posting your ads on these sites
,because your site will never get seen. Worse
,because most FFA's have such low rankings ,it
will give your site a low rank ,because you
posted on them. Place your ads on classified ad
sites. Here is how to find classified site to
place your ads. Go to your favorite Search Engine
and type" free home business
classifieds" or something like that. I have
listed a few places for you to place ads on for
your conveince.
=================================
How to save your hard
earned money by concentrating on the little
things
Take
these tips to heart and you’ll have a solid
foundation for future financial well being.
No
matter how much or how little money you have,
start taking responsibility for what happens to
it by drawing up a budget and taking control of
your expenses and income. Then you can start
planning for other things in your life such as
your education, your family, your home, your car,
your holidays, your retirement and so on. There
is no excuse for delegating this responsibility
or for allowing your money
management to end up making your life miserable
and always living from month end to month end.
Follow
these simple straight forward ideas
below………………………..
1. Saving 10 cents or more by comparing
prices when you go shopping makes good CENTS.
This does not always mean a compromise in quality
of what you are buying. When shopping at some of
the larger supermarket chains where there are no
name products, most branded goods are the same
quality as the brightly packaged ones. Packaging
costs money and you are paying for something that
will end up in the bin.
2. Put 10 percent of every pay increase
towards savings, particularly long-term savings
such as a retirement plan. If you are employed
and belong to a retirement fund, your
contributions will increase automatically in
proportion to your pay rises. This will help
ensure that you stay well ahead of inflation.
Consider that you were used to living on the
current budget you already had. If it suits you
put this increase portion away for something you
want to buy for yourself later.
3. Use the “Can I sleep?”
judgment when buying a big price item. Do you
really need that right now? . Is it worth getting
later or is it going to be a useful everyday
item. A large purchase like that is not worth it
if you are going to lie awake at night feeling
guilty about it. THINK before you
buy.
4. Take out a solid savings fund, which
you cannot access without going through rigmarole
to get the money. This will make you think twice
before trying to access the funds. It will
definitely be a godsend later when there is an
unforeseen crisis.
5. Be extremely cautious of any deal or
item that sounds to good to be true. They
normally are and there is always some catch. Do
your homework before buying any item to cheap or
investing in a deal with a return too good to be
true.
6. When borrowing money from banks if you
really need do, like anything, shop around. More
likely if you are going to get approved by one
bank you will be approved by another. Check which
institutions give the best interest rates and
terms when taking out that loan or credit card.
7. Same as above goes when taking out a
Mortgage loan. There are better institutions
these days with better rates and shorter terms.
This will ensure that you are not still paying
off a mortgage loan when you are 90 years old.
8. If you have spare cash coming in which
you want to put in a lower risk investment for
later years invest in unit trust funds and/or
life assurance endowment policies that have
shares as their underlying investments. These are
safer bets than the stock exchange, especially if
you do not know how the stock exchanges work.
9. If you are investing money in a
product you do not understand rather avoid it and
take something else. Be cautious of advice given
by uniformed advisors.
10. Do not be pushed to invest money in
Schemes, which look unlikely and may be illegal
pyramid schemes masked by attractive returns.
Especially by well meaning friends. Always
research these opportunities properly
Around
the home………...
11. Make note of your
current accounts, phone bill, cell phones, water
etc. Make a conscious note to see where you are
wasting money and an effort to cut whatever costs
you can.
12.
Always switch off unnecessary electrical
appliances and lights. Switch off the T.V instead
of leaving it on standby the whole time. You will
be amazed at the difference for just this little
bit of effort if you watch your bill carefully.
13.
Use gas heaters instead of electric ones during
winter. The initial investment of buying one may
be high but in the long run you will save
thousands on your electric bill. A fireplace can
be better
14.
Check your home for dripping taps. They are a
waste of water. You have heard this before but
have you ever really done it. Dripping taps
everywhere can costs you thousands per year if
you had it up. Be conscious of the water you use
for flushing the toilet, bathing, and when you
are brushing your teeth.
15. Save more on electricity by
switching off your water heater when going out
for weekends or extended trips. Get into the roof
and throw a blanket over the geyser or insulate
it with something. You will be surprised at how
much this helps your geyser stay warm for longer.
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16. Do you know that your fridge
has to work harder if it is clogged with ice in
the deep freeze or freeze r section? Defrost your
fridge regularly as this will save the fridge
motor and your electricity bill. I am sure you
have also heard people say do NOT put hot food in
the fridge. Let it teach room temperature first.
17. It is time you started
investing in these new long life fluorescent
light bulbs. They are a little more pricey than
normal globes but that extra price you pay will
save you hundreds in electricity because they are
fear cheaper to run that the normal globe. As
your lights fuse start replacing the globes with
these new types. There output wattages are the
same.
18. When cooking try and use
pots the same size as the cooking plate to
conserve energy. When the food is just about
cooked, turn off the plate or gas. You will
see that the food will carryi on cooking on these
solid plates long afterwards and you can even
burn it if you are not careful. The stove is a
money guzzler so use it wisely.
19. Every night you buy milk and
bread or the basics for the evening I am sure.
Save trips by buying milk and freezing it. You
will really not notice the difference. Take a
liter or two out the night before and it will be
naturally defrosted by morning. Don’t waste
by buying more than you need and this goes for
bread as well. Work out your household
consumption and save trips to the shop by buying
for two days or more at a time.
20. Don’t waste money by
cooking what you are not going to eat. If you are
cooking for 4 people cook for 4 people not 6 you
wastes food by overdoing too much. Most of it
ends up in your dogs belly or the dustbin.
Refrigerate what you can and eat it within a few
days.
Traveling
and work.
21. If you go to work everyday
with your car and know the traffic patterns.
Leave earlier to avoid heavy traffic, which uses
up petrol. If possible take a different less
traffic route. Although it may be a little longer
you will still save petrol by not stopping and
starting every few meters as in heavy traffic
22.
It goes without saying that one needs keep their
car well maintained which includes checking tire
pressures and oils, water and other fluids. Keep
your car in tiptop condition and you will use
less petrol. Drive smoothly and responsibly.
23. If you really work close to
someone that is in the same building or area it
is worth sharing traveling expenses. Be clear
about the rules though to avoid souring the
friendship.
24. When you go shopping plan in
advance where you are going to shop. Don’t
drive around and around looking for parking on
top of the door. Save that bit of petrol, by
walking and parking first time in a spot a little
further away.
25. Do a thorough check once a
week of you car and look for wear and tear on fan
belts and other moving parts. Replace what looks
worn rather than fork out for expensive engine
repairs later.
26.Take a packed lunch of
sandwiches to work everyday or a fruit rather
than buying expensive pies or chips. Pack lunches
the night before and refrigerate it.
27.
Working too much overtime in a month can end up
costing you more than you gain because the IRS or
taxes will take most of it anyway. Try and plan
your working hours to avoid this trap.
28. Ask your boss if you can
work Flexi-time, IE: start work earlier and leave
earlier to avoid traffic congestion on the roads.
29. When you are advised to
invest in something, always do a bit of research
of your own. Get a second opinion and use the
Internet. Ask permission to use the works
internet in your free time. Most bosses will
allow this if your work is timeous and up to
date. That way you do not have to do it deviously
and feel guilty if you are not really allowed to.
30. Check with your personnel
manager whether you are getting the best out of
your pension or provident fund and health
insurance. There may be better alternative
options than what you have. Otherwise you may be
paying for something yuou do not need.
Banking
31. Always try and draw money
from your own banks ATM
(automatic teller machines) as using others will
cost you almost double in fees each time.
32. Try not drawing too many balance
statements at ATMs because the banks also charge
you for this. Plan your transactions in advance.
33. Work out the amount of money you need
and draw it out in one go rather than a lot of
smaller transactions, as these will all cost you
money.
34.
Draw a statement each month from your bank
and check all the charges there are. Query what
you are not sure of and also check where you are
wasting money. Bank charges are expensive.
35. Always pay the full amount owing on
your credit card. If you do not, you will be
charged a punishing rate of interest from the
date of purchase. The so-called budget account on
your credit card is a misnomer, as you pay a high
rate of interest
36.
Use a credit card to get 55 days’
interest-free credit by buying at the start of
the buy-and-pay cycle and repaying the debt in
full by the due date. This option does not apply
to cash withdrawals and petrol purchases, on
which you pay high interest rates from the date
of the transaction.
37. Don’t leave large amounts of
money sitting in a low-interest bank savings or
current account. Rather put the money into a
money market account or into your mortgage bond.
If you really get into a fix you can always
access the money later. http://www.realbusinessloans.com/?ID=939
38. Never use debts on which you have to
pay interest to buy products you consume. You are
in effect making the items far more expensive,
and will be able to save less and buy less in the
long term. So never use your credit card to
purchase groceries.
39. Keep a good credit Score It could save
you thousands of rends, particularly when you
want to borrow money for big-ticket items such as
a home or a vehicle, because the better your
credit record, the lower the interest rate you
can expect to pay. You then have good negotiating
power. Better still stay out of the lending trap
otherwise you will start living beyond your
means.
40. Pay off debt, pay off debt, pay
off debt. Start
with the smallest and work your way up.
41. Borrow wisely. Expensive debt is a
quick way to lose money. For example, borrowing
against a credit card is far more expensive than
borrowing against a home loan. The difference can
be more than 10 percent interest.
42. If you have a problem meeting your
debts, don’t try to hide away. Go and speak
to your creditors, particularly your bank, to
find a way out of your problem. Don’t always
use debt consolidators/administrators. They will
charge you far more interest and make your
problem worse. If you do want to consolidate your
debt use your mortage loan but DON”T fall
into the same trap again!: http://www.realbusinessloans.com/?ID=939
43. Beware of
plastic. Store cards and credit cards may be
convenient, but they are also an easy way of
running up debt. Try keeping single clothing
account not three because you will end up paying
three times the interest.
44. Buy your home to give yourself and
your family security. Then pay off your Mortgage
bond as soon as possible to save yourself
interest payments.”
45. Get a
pre-approval agreement on a bond before you start
looking for a home. This will give you the
advantage of being able to shop around for the
best rate while you’re not under pressure
and the buyer will be more willing to sell to you
knowing that the money is available.
LIFE.
There are many
commonsense ways of saving money
and all it needs is some
thought. No one needs live a miserable bitter
miserly life. On the contrary! Working properly
with what you earn can actually make your life so
much better after all.
We waste far too much of
what comes in too easily, food, resources and
simple wasteful living. The possibilities of
saving are endless, be it recycling, buying in
bulk or sharing with family.
What it takes to work is
habit forming ways of living and always being
conscious that the money you earn is hard earned.
Life is of course short and what you are selling
to the company you work at is of course your
skills and time spent at work.
Your money is hard earned
and using it sensibly can be rewarding and allow
you to leave a comfortable stress free life.
In today’s fast
paced world the biggest factor ruining most
peoples health is of course lack of
money…………………………..
Do
It Yourself Hints and tips.
There is always someone
that has advice on how to do something. Often we
need advice for life’s little mistakes and
cannot for the life of us think at that
particular moment the best way to solve a
particular problem or little accident in the
house or at work.
Most of all if you are at
a party, visiting someone or out shopping and you
can help because you have the right advice,
In
the Garden:When collecting garden refuse
in a rubbish bag it can be difficult to keep the
bag open. Use your kitchen bin or a; large
cardboard box and put the bag inside, besides be
light to carry it will make your task a lot
easier. When rolling up your hose do it in a
figure of eight to stop it tangling when you use
it again.
Smelly
shoes:To give walking everyday shoes, and
running shoes a new lease in life, sprinkle the
inside of them with carpet freshener or baby
powder and let them stand overnight.
To wash tennis shoes and
get them really white, put them inside a
pillowcase and wash them inside your washing
machine.
Painting:When
painting walls in a room start and finish at the
doorway. Should you run out of paint it will be
less noticeable should the colors vary slightly.
The same goes when wallpapering a room.
Most paint marks can be
removed with warm vinegar. Wash immediately
afterwards. When painting, make holes in a large
plastic bag for your head and arms this will
protect your clothing.
Outside
lighting:Replace blown globes can be
difficult and you can cut yourself. When you
replace the globes a little Vaseline or grease
around the base will prevent corrosion.
In case they do shatter
it’s always an idea to use kitchen rubber
gloves.
Too
salty.Too much salt in soup can really
lead to waste. Sprinkle brown sugar to the soup
and this should tone down the salty taste.
To improve the flavour of
curry try frying it in a little butter before
adding the ingredients.
Too much salt on fried
chips. A little lemon juice sprinkled over is the
answer here.
Stains:Fresh
tea stains can be removed by sprinkling a layer
of sugar on the stain. Wash as soon as possible.
To get rid of stains on your fingers, rub them
lightly with a bleach solution and rinse off with
soap.
Travelling:When
travelling before leaving make Photostat copies
of the credit cards you will be taking with. This
way should you lose them or they are stolen you
will have copies of the details to be able to
cancel them.
On long trips use plastic
bottles filled with water and frozen overnight
before leaving to keep your food and drink cold.
That way you will also have water to drink and
for emergencies should you need it as it thaws.
Laying
linoleum.When laying new lino on your
kitchen floor, use wire when you measure to cut
shaped areas, this way you will not make
mistakes. Bend the wire to suit the contours and
use as a guide when cutting.
Baking:When
making pancakes or flapjacks use soda water
instead of tapwater to make pancakes really light
and fluffy.
To thicken whipped creams
add a tsp. or 2 of honey or syrup to make it
really thick.
Mix leftover food like
greenbeans, mashed potatoes or sweet potatoes
with dumpling dough. Roll into balls after making
a mixture and bake in the oven for delicious
snacks while watching TV
Hope you have enjoyed
reading these tips and tricks. Most are simple
tried out remedies or saving ideas to make life a
little easier, and save money, and repair
life’s little disasters.
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information.
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