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US Financial Crisis -Consumer prices in the U.S. rose a less-than-expected 0.2 per cent in January while a measure of prices than excludes food and energy fell for the first time in 28 years, the U.S. Labour Department said Friday.On a year-over-year basis, total inflation eased by a tenth of a percentage point to 2.6 per cent.The latest figures show inflation is not filering down to U.S. consumers. (Ben Margot/Associated Press) I received an email the other day from a College Student wanting to know how they could make extra money online. The email stated they didn’t have a lot of time because of their studies. So after giving it some thought, I came up with a list of 7 quick ways college students could make extra money online. I dismissed blogging in general because it takes some time to get a blog established and making money (the exception is local websites and blogs, see below). I assumed the emailer needed money fairly quick. Here are my suggestions to the emailer. Project Payday: A few months ago, I experimented with a legitimate way to make money quick online with a program called Project Payday. I took about half a day and researched this project online. Seemed real people were making real money with it. Not getting rich, but making enough extra money quickly to pay some bills or other stuff. The next day I signed up with Project Payday, watched the training video’s and browsed the Forums to get a feel as to how this program worked. In all, this process took me a few hours. The next day I followed the directions and made myself available for some “jobs”. The first day, I made $50. The next day I hit it hard for about 6 hours and brought down $225 for my efforts. The following day, I worked 3 to 4 hours total and made $130. I soon found out one drawback to this program. It’s boring! No special skills are needed other than the know-how to operate your computer and use the Internet, but it is tedious work. I’m not cut out to spend hours behind a computer! Most people can make money quickly with this program, but you’ll have to put the time into it. The more time you put into it, the more money you’ll make generally. It’s that simple. If you’re interested, check out Project Payday by clicking here. It’s free to sign up, so go ahead and sign up, read the promotional literature they have and watch the training video’s. They even have a guarantee that says if you follow the simple 4 step process in Method 1 and don’t make money in 24 hours, they’ll give you $100! This is the best guarantee I’ve seen online. I doubt anyone will need it though, because it is that easy to make money with Project Payday. Read Emails - Taking Online Survey’s, etc: In my opinion, this isn’t as easy as Project Payday, but it’s real close. There are companies that receive thousands of emails every day that need to be read. Obviously the CEO or other employees can’t spend every day reading emails, so they outsource this. There are several companies where they outsource this type of work as well as other tedious, time consuming chores such as product testing, online surveys, online mystery shopping and other. Send Earnings is one such company that other companies outsource to. Consumers such as you sign up and are normally paid on a per assignment completed basis. The pay varies by what type of assignment you choose. You choose where you want to make money. Click Here to learn more or to sign up for this opportunity. Become a Freelance Writer - Can you Write a sentence? Then you may have what it takes to make money as a Freelance Writer. You don’t have to have a degree in English either. In fact, if you can write in an easy to read manner, you have what it takes to make money writing Web content, short stories and other media. You can sell articles on Forums like DigitalPoint and SitePoint, but don’t expect to make a whole lot. Or you can sign up for a service like Freelance Home Writers. Basically this is a job board for Writers where Companies and Individuals needing Writers post their offers. You can either accept or reject them, it’s up to you. Click here for more information about the Freelance Home Writer program and learn how to make money as a Freelance Writer. Make Money On Ebay - Yes, ebay. As long as there are College Students, there’ll be some students who need money and those who are making money. You could easily sell stuff for other Students and take a small commission from them. A better way would find Dropshippers and Wholesalers. This is how many Power Sellers make their living from eBay. Back when I made money on Ebay, I visited Garage Sales and Estate Auctions to buy stuff to resell. It wasn’t until I got the FREE Ebay For Dummies starter kit (I think I had to pay 2 bucks for shipping) that I really started making some good money. This starter kit is full of tips and advice for people wanting to make money with ebay. It also has lists of Dropshippers and Wholesalers that you can use. Click here for more information on this free starter kit. Become an Online Tutor - I’m not sure what this pays, but I’ve known people in the past who have worked with companies like e-Tutor, SmartThinking and Tutor.Com. Online tutoring is an in-demand service and growing all the time. If you like helping others learn, this could be just the ticket for you. You will have to set aside a certain number of hours per week, anywhere from 2 hours on up on average depending upon which service you go with. Give eLessons - Do you know MS Word inside and out? Can you make an Excel spreadsheet scream for mercy? Can you work magic with Quicken? Well, there are thousands of people who just want to know the basics of these programs or are looking for some updating. You can advertise on places such as Craigslist and Kijiji or even the local newspaper. You’d be surprised at the number of people just wanting to learn the basics on operating a computer and who are willing to pay someone to teach them! Become an Online Juror - Even Lawyers need to practice! There are places such a eJury and TrialJuries.Com that stage mock trials. The Jurors get paid anywhere from $5 to $60 depending on how complex the case is. There’s no guarantee you’ll get a case, but it has to better than cleaning up after the old folks at the Senior Citizen Center! Many colleges have access to these mock jury trials, but from what I’ve been told, they don’t pay as much as the online jury pools. Also, as with anything in life, if you slack off on the Jury, don’t expect to be called back. The more you pay attention and get involved, the more likely they’ll “keep your name around.” Some college students show up on the first day in a bright shiny BMW convertible. Those are the ones who do not need help. For most College Students, a few extra dollars a month goes a long ways in making it easier to study for their classes. If you’re in a pinch, there’s no need to run down to the Blood Center to give blood, just turn your computer on and go to work. Is Life Insurance an Investment? - Meghan_McCartan For years and years, many people viewed life insurance through a single lens, as a necessary hedge in the case of one's death to help provide for heirs, for a spouse, to help cover personal loans or business loans, etc. Life insurance for some was simply an option checked off as one of the "benefits" received through an employer, and no further thought even needed to be devoted to such a remote possibility as one's passing. Lately, though, some advisors are recommending that life insurance be considered an "investment". Why? In part, because of volatility with the stock market-as equities (that is, "stocks") go up and down based on seemingly nothing more than investor's emotions, it's distressing to see a portfolio-especially a retirement portfolio-shrink to almost nothing. Certain policies, however-even if they are invested in the market-carry with them certain guarantees of protection of principal, etc. Of course, the investor (in this case, the life insurance policy owner) pays for those guarantees in the form of fees and charges, but that may be a price certain investors are willing to sacrifice in return for protection of a "nest egg". So is life insurance as an investment the way to go? The answer is that if you are looking for whole life ONLY as a way to provide for heirs, you are often best served by purchasing a term policy in an amount that will cover major expenses (discuss this with your advisor). Those types of policies are often the most cost-effective. If you are looking for an investment to protect a part of your portfolio, insurance may NOT be the most cost effective solution. There are exceptions, though, in terms of estate planning and gifting-for which insurance can be an excellent means to protect a portion of an estate that one is planning to pass along to an heir (meaning, a portion of your portfolio that you will not need access to for income.) Typically, those who can benefit from insurance as an estate planning strategy are those who have an estate above the federal exclusion amount (right now, that amount is $3,500,000). When such an estate is passed along, estate taxes of 55% are assessed. However, if a portion of that estate/portfolio is as part of a permanent whole life policy, payable on the death of the owner, the beneficiaries are not assessed taxes for that part of the estate. The other use for such permanent life insurance is "gifting"-passing along a portion of your estate to a charity or a specific heir-by making that entity the beneficiary of a life insurance policy. If you don't fall into one of those categories-for example, if your estate is not above the three and a half million mark-is insurance as an investment not for you? You may find that wealth transfer strategies and estate planning (for any size estate) can benefit from judicious use of life insurance policies. It is worth a conversation with your advisor. Article Source: http://EzineArticles.com/?expert=Meghan_McCartan How to Find Good Investment Properties - by Rose B Owning leasing real estate properties is becoming widely held nowadays as the investors tire out of the stock market quest. Investing on these properties is believed to be one of the effective ways to build your wealth. However, not everyone carries out what it takes to turn into virtuous landowners. But of course, for those who do, investment on real estate properties remains to be a perfect means to get you on the pinnacle of your dreams. But how would this be possible? Check out the following to help you out in getting started: Prepare your Time Horizon Scheme Before you start buying your potential investment property, you should be able to discern whether the ownership of the said rental estate is long-term or short-lived. Without a doubt, you must be able to have a good conception on how long you intend to venture on this enterprise. It is in this way that you will be able to decide on how much further you may be investing in terms of the property maintenance, repairs, as well as its advancement. Here is the tip, if you are a small investor, lasting ownership is the best for you. Why because, you will have an ample time to come through any market blows. Also, rental profits can make a good complement to your day job. Nonetheless, if you choose otherwise, that is a shorter time scope; greater investment risks will be on your way because changes in value are basically probable especially if the purchase is from a worked up market. Network Expansion To be able to momentarily find the properties that are for sale, you should be able to build up links in your place. This means that you have to start searching for foreclosures, or making friends who knows a lot regarding which lands are about to be put up for sale. Furthermore, you may also run advertisements on local newspapers, or you may start working with real estate agents who are always on track with promising buys. Finally, to sustain contact widening, you may start off joining several associations on local landlord or group of the property owner. Secure your Finances To prepare for this exciting endeavor of yours, it would truly be better if you keep good credits with lesser debts in order for you to get a decent loan. Remember that more often than not, when you buy a particular leasing property, lenders tend to demand for bigger down payments, elevated interest rates, and stronger finances. Finally, it also pays to make enough savings even after the property purchase to help you out on repairs and other improvement stuff. Avoid Overpaying Pay excessively and you will never be able to get back as much as you could have had. Do not forget that if you pay in large amounts for a rental, everything may just become in vain. You better choose the appropriate formula that fits best in your area for there are off the hook cases regarding this stuff. The key is you should be able to ensure that your leasing income will cover your out-of-the-pocket costs. Certainly, finding good investment property is never that easy. Nonetheless, better be wise enough to consider these guidelines to be able to get hold of what you truly deserve. Land Investments for Long Term Capital Growth - By Stephen Todd When looking at investments for long-term capital growth potential, investments in UK land have returned stunning rates of growth coupled with low risk. Overall prices (farmland) have increased by up to 30% in the last 12 months and 130% since the early 1990s with an average 920% growth in the last 20 years. An Attractive Alternative Investment When looking at investments for long-term capital growth most investors consider mutual funds, investment trusts, stocks, equities, and hedge funds. However, the fact is that land has shown better average growth with less downside volatility. This makes land a solid investment for the conservative risk conscious investor. Once the preserve of large institutional investors, this exciting market is now open to smaller investors. Why Land Has Such Great Potential When looking at investments for long-term capital growth potential, we need to look at the supply and demand equation. Land has all the ingredients for demand to exceed supply and see land prices climb higher in the coming years. The Case for UK Land When looking at investments for long-term capital growth potential, it is clear that of all the countries in the world to invest in land, the UK is one of the most attractive for the following reasons: 1. Rapid Population Growth - The population of the UK in 1981 was 56.2 million. In 2001, the population had increased by about 2.6 million to 58.8 million inhabitants. 2. Immigration - In terms of immigration, there is the granting of entry to the UK, of over 170,000 people per year. This constitutes over 60% of the annual population growth. Therefore, at current rates of growth the UK can expect to see at least an additional 3.4 million inhabitants within the next 20 years. 3. Social Trends - There is also a rising divorce rate in the UK. In 1980 and there were approximately 148,500 divorces throughout the UK In 2000 this figure climbed to nearly 200,000, an increase of over 30%. Furthermore, more people are staying single by choice and getting married later in life. A recent treasury report stated that: In the next 17 years, with the rising population and increased lack of affordable housing, the UK will need another 1.5 million homes with 300,000 required in and around London alone. Essentially, this means that there is a need for massive scale housing development in the UK at present and for the near future. This will see land remain one of the most attractive investments for long term capital growth. The Demand for UK Land The building of much of this housing is to be on brown field sites, or redeveloped areas, this land is in short supply and is expensive to purchase and develop. The priority to build new housing will necessitate the reclassification and development of green belt land throughout Britain. Land Banking ? The Key to Long Term Capital Growth Land banking simply involves the acquisition of land, which does not enjoy planning consent, in advance of expanding urbanization. When urban expansion occurs the land rises in value with the granting of planning consent. The way to make big capital gains in land banking involves buying land in specific areas, in the hope of future development. With the granting of planning permission, a significant capital gain is possible. Land Investments for Long Term Capital Growth Good past performance with low risk and the prospect of good future capital growth, makes investing in land for longer term growth an attractive option for all investors. Article Source: http://EzineArticles.com/?expert=Stephen_Todd Disclaimer: We don’t host any of the videos that are available on this website. 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