Bob Doruma Journal

Monday, March 16, 2009

Internet Job Ideas For College Students

We know that college is expensive and even more so with today's economy.If you are looking for ways to make some money while attending classes here is some information for you we hope you find useful.

Internet Marketing


Internet marketing is a business students can start with very little money.

It can range from selling things you have produced yourself as a hobby or by promoting items or services for businesses already established.With internet access you can market just about anything from your dorm room.

Other things you can do are market your own computer-related abilities.You could offer web design or graphic design as a service that could bring in more of a cash flow.You may want to facilitate payment for your services by creating an account with PayPal in order to be able to accept credit card payments.

Paid Online Surveys


You have surely seen advertisements on the internet for businesses who offer paid online surveys.

By doing a simple online search you are sure to find very good survey sites.Just take a few minutes to sign up for a few of these sites and you will be well on your way to making some money without having to leave your dorm room.

Some survey companies have in excess of 300 different clients for whom they provide surveys and you are bound to find several that can peak your interest.

Affiliate Marketing


Many companies offer an affiliate program from which you can add to your cash flow.

Simply by signing up online, you can make a percentage of sales every time you refer your family and friends to purchase the product, or by promoting it on your personal or business webpage.

There are possibilities out there that could potentially earn an affiliate commission between 10-50%.Often these top companies will provide you with ready-to-use marketing material or free products in order for your marketing to be accurate and effective.

Work At Home Data Entry


With very little computer knowledge, data entry work at home is still a simple way to earn that extra money you need to cover your expenses while in college.

Most companies will let you know what you will need to do to complete these jobs.

Most often companies are searching for people to advertise for them by filling out online forms.There are excellent training programs out there for a minimal fee that will show you exactly how to do this as well as tell you which companies to work for that do legitimately pay.

Computer Tutoring and Support


Advertising on school bulletin boards is another good way to add to your pocketbook while helping out a fellow student who is not as knowledgeable about computers as yourself.

A listing of areas you are comfortable with and able to explain to someone else, along with your phone or dorm room number may have people lining up for your help.

By charging a reasonable fee you could be one of those students others will turn to when they are in doubt about their computer knowledge.

You might even consider creating a small 'how to' booklet that you can charge a small fee for that will get the attention of more that just a few people on campus.Just be sure to strategically place them in common areas and not simply on your floor of the dorm.

In no time you can add more spending money to your pockets, just by using your computer skills and creativity.


About the Author

Chris Simpson is dedicated to helping people find honest and legitimate work at home jobs and home based business ideas.

See my top 10 work at home jobs today and learn how to make money online at: http://www.HomeNetPro.com


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Saturday, March 14, 2009

6 Things Dating Teaches Us About Investing

Bad date last night?Don't despair.It's not as bad as you may think.Here's some good news: you may not know it, but when it comes to your money, that bad date can teach you an awful lot about successful investing.

Think I'm joking?Think again.Although I was a far cry from being the King of Dating, I did have a few albeit rare lucky streaks in me.And looking back over those rare few times, my moderate success on the dating circuit did teach me quite a few things about prudent investing.

Here's a few quick examples:


1) DON'T JUDGE A BOOK BY ITS COVER


Dating: The guy was over a half-hour late, his outdated shirt barely matched his Taco Bell stained pants, the rain gave him a lethal dose of bed-head and back then the busboy was making more than he was.

If that wasn't bad enough, his humor was a bit stale and the car he drove had a weird putter that attracted nothing but aliens from the evil Planet X.While at first the girl thought it was going to be a dinner date from fiery hell, little did she realize that guy was I, and I'd soon wind up being the one she'd marry.

Investing: The receptionist was sure nice, but the carpets were dull and the musty furniture reminded you of grandma's place in Brooklyn.You were ready to take your money to that Private Wealth Management Firm --- the one with the white marble staircase and baby grand --- but when the well-mannered financial advisor appeared, you figured you'd be courteous and give him a few minutes of time.A little into his pitch, you were most pleasantly surprised when he touted low cost, tax efficient investments that perfectly matched your goals.It was then you realized there's a reason the furniture in his place is a bit out-dated, mainly, because the guy isn't touting the high fee investments.

Lesson Learned: First impressions can easily get the best of us.Whether it's a date or your money, taking a step back to peek behind the curtain will typically put both your money and heart in a much better place.

2) COSTS COUNT


Dating: She liked Dylan Thomas, idolized Ginsberg, despised the conformists and was clinically depressed that she missed last year's Monterey Pop Music Festival.

The perfect 10 from down in the Village strummed an acoustic, wrote poetry and even donated your favorite Levis to a homeless guy on the street.While at first lust got the best of you, months after helping her pay the rent, her organic meals and for all those Warhol movies you pretended to like, you were finally worn out, leading you to realize that when it comes to dating, costs most definitely do count.

Investing: The mutual fund was barely moving.Five years into it, you just couldn't quite figure out why you weren't making much money.Then, one fine day, you wisely took the time to research the fees you were paying, only to realize the fund was charging you way too much per year in annual costs and causing you all sorts of taxes.

Lesson Learned: When it comes to investing and dating, costs most definitely do count.Taking the time to evaluate how much you're paying for your dates and funds is an essential part of anyone's success.

3) DIVERSIFICATION IS THE KEY TO SUCCESS


Dating: Adam looked like Alan, Alan acted like Arnold, Arnold smelled like Arnie and Arnie reminded you of Alex.

And just when you thought you found the Perfect-A, Aden stood you up just like Albert and Abe once did (or was that Alfonse?).It was then, in one fleeting moment of revelation, you finally realized the problem had nothing to you, but everything to do with guys whose names start with the letter "A."


Investing: Dot-coms, late 90s.

Financials, 2008 Need I say more?

Lesson Learned: Diversifying your investments is a critical key to investment success.Load up in one sector or stock and it's not a question of if disaster will strike, it's usually a question of when.Spread the risk, diversify your investments into the prudent, timeless fundamental asset classes and of far more importance, consider dating guys whose names start with the letter A.


About the Author

Nationally recognized personal finance expert and bestselling author.

His unique strategies have helped people across the nation significantly reduce their investment risk, taxes and fees.For More Info: www.haftreport.com


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Saturday, August 30, 2008

Why Is It Important To Have Umbrella Insurance

At some point, you have probably heard of umbrella insurance, but pass through no suggestion what it is. In any case, first off, it does not shelter the umbrella you protect yourself delight in the rain. It is a aggregate of expression. An umbrella tactic is arranged to watch you loves with reference to the whole thing that your abode and auto protection indemnity completes not, as in any case as fill in gaps in insurance every time the points in time of your ordinary strategy are consumed.

Every day, there are personal lawsuits filed critical frequent citizens, as well as the reasons ranging take pleasure in the frivolous to the justified. When and if this happens to you, you crave to be ready. Additional until the end of time than not, recruits are sued and submit to no spare psychotherapy to abate the plaintiff savours pouring after their inner most real estate in the lawsuit. To protect yourself take pleasure in such a dilemma, you need to go through umbrella protection indemnity.

An umbrella is until the end of time referred to as further legal responsibility. This extra liability protection indemnity kicks in each time the underlying time limits on your homestead or auto policy go through been consumed, or if you are sued face to face for something that neither your domicile nor your auto insurance covers. Depending on the firm, you can acquire somewhere indulge in 1 to 5 million dollars worth of extra protection indemnity, now and then as costly as 10 million.

The sum of insurance you opt for essentially depends on how a lot of you are worth. If you go through 5 million dollars value of private real estate, you should get a 5 million dollar umbrella. It is not uncommon for a big wig to buy a 5 or 10 million dollar umbrella policy still if that aggregate far exceeds their net price, because the insurance is so inexpensive to buy.

More protection indemnity corporations will not offer you the insurance except you pass through both your dwelling house and auto previously saved as well as them. Similarly, the insurer will necessitate that you contend a agreed level of liability on the dwelling house and auto policies in demands to qualify for the spare strategy. Commonly, you must dispute at least 250,000 of bodily injury accountability per creature, 500,000 per mishap, and 100,000 for assets reduce to rubble for your autos, and 500,000 of accountability for your dwelling house.

The coverage is cheap. It is possible to get 1 million dollars value of more legal responsibility for as tender as 120 dollars. The added motorcars and homes you submit to, the higher the price for the insurance, but the expenditure is still low. In addition to your abode and cars, liability interconnected as well as any other conveyances you may knowledge, such as boats, motorcycles, and assorted recreational automobiles, may further qualify for insurance less than the umbrella, looking on the insurance firm.

You are probably questioning when the umbrella may well actually come into act. Here is an case in point: If you are affianced in an auto misfortune where you crashed into a run of the mill who was tottering on the sidewalk, resulting in health bills for that individual that costed spare than what on earth your auto policy covered, the umbrella may possibly be used. Or, if that second rate afterward decides to sue you for negligence and struggles punitive damages, your umbrella can be utilized to shelter your legal fees and to pay any judgements levied hostile you.

It is as well foremost to grasp that the additional liability covers you for all sets of items that taste naught to do along furthermore your motorcars or homes. Bits and pieces such as deepest injury aid are handled. This includes bogus arrest, bogus incarceration, cruel prosecution, defamation, invasion of privacy, wrongful entry, or eradication.

Likewise, one or two umbrella policies furnish coverage for you if you are sued in connection in addition to any bighearted boards or enterprises of which you are a member. You may tolerate to conversation your protection indemnity agency and pay an extra top rate for this brand of protection indemnity.

I ease this has aided elucidate to you the virtuousness of causing umbrella insurance. Without it, your inner most land are enormously inclined in any lawsuit or legal action. Discussion to your agent almost about it and ask how a great deal of it expenses. Still though multi-million dollar complaints are not all-purpose, they can ensue. So, an umbrella is maybe expenditure it.


Just about the Originator

Jim Pretin is the owner of

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Saturday, August 23, 2008

Top 10 MLM Secrets To Success

You have been trying to build an effective downline or exerting more efforts just to improve your sales. The novelty of getting motivated and starting a life full expectations and hopeful conclusions as far as multilevel marketing or MLM is concerned, is just as important as finding success in every endeavor that you make.

As well as all the hype that MLM brings, you find yourself facing the atrocious essential: The alternative that your victory in MLM is title to the doldrums is drawing near and that you are at a loss for words in a rut and the terrible reality that you can under no circumstances style it to the top after all knocks you.

All of these items without difficulty let you end your day in addition to a gasp

So now, you are attention on whatever to do subsequently, where you are heading at, and mulling more than on the indispensable reasons why you are failing in MLM.

MLM or multilevel commercial is a workable returns-developing assignment that some staff know-how grown to reminiscent of. The without difficulty business is that, in spite of its fame, a number of are furthermore not aware of the bona fide hypotheses beyond MLM victory.

Numerous of these employees consider that MLM sensation depends on the measure of sales they style for a day. They miss out on the the whole story that there are a couple of features to believe and gears to use before you pull off MLM sensation.

How to carry those greens flowing and purchase MLM achievement There are 10 aspects to productively accomplishing goals in MLM, whether they were designed on New Time Day as allocation of your results or on any different epoch of the once a year. Here are top 10 MLM secrets to victory:

1. Set your goals

Initially, your goals should be accurate, measurable, achievable, pertinent, and era-tied up.

Be accurate. This device that you should cause concrete goals and use performance words. For example, as a replacement of certainly axiom I will be a better MLM marketer, say I will use one time on each customer and one more era as well as each member of my downline steadily.

They should be measurable. It describes the attribute of the behavior you inquired to move out. For example, you can say, "I will use one-on-one episode also each member of my downline for half a day every month."

They should be achievable. If you knowledge by no means tried exchanging ahead and aim to be a billionaire behind one month, then you are situation yourself for failure.

They should be germane. Your goals should be something you really want to know to do. Ask yourself: "Do I truly solicited this" Be cautious anything you request for, you might truly get it

They should be era-busy. Set a time table. For instance, say "I will deplete one-on-one moment also each member of my downline for half ad ay every month of 2006."

2. Them-savvy

Uncover the emotional ingredients that may be preventing you relishes achieving your goals. Knowing and naming these components is half the attack. The variant half is consciously replacing these worries along furthermore productive, one another-supportive record.

3. Stay on go after

To hold yourself provoked if you can see how you are doing in addition to your objective. A couple workers hunger a color-coded program, as others akin to keeping daybooks. Search out out what perform wise for you.

4. Rewards

Achieving your MLM goals should be rewarded enough. Nevertheless, if you think you hunger rewards to stay motivated, and at that time use them. Mull over of rewards that will not cost a lot of currency.

5. Message support

Being in a blend tends to arouse workers further than human being on your own. No admiration why developing your downline is not merely cardinal given that of the residual returns that you will get but also encountering people also the same goals or those supportive of yours.

6. Endurance

No marvel, you will event obstacles along the way. Mull over of them as provisional crises; get back on chase as soon as you can or merely start up on top of. Hold in information that tolerance overcomes resistance. Confess the authenticity that probable customers are often those that will say NO to you at first manifestation.

7. Celebrate triumph

Have fun the sensation of young steps towards your purpose as at any rate as the final objective. It may well be as effortless as flowing out for ice cream when you planned 10 sales in a day or lunch plus your members subsequent to they undergo reached their 2-trading target in a day.

8. promote

MLM accomplishment is not all almost about establishing downlines. It is similarly about advertising your MLM program so that spare and added employees will recognize such programs exist. You can under no circumstances earn extra sales or person employees who will sizable consider that they will furthermore earn the way you do or yet more if they do not absorb that your MLM plan is one of the bests in town.

9. Invest added episode

Staff who are not prosperous in MLM are faced as well as merely a effortless problem: They do not knowledge the phase to textbook for it. To be booming in MLM you need to meet up with the moment to pay attention on your goals, set specific schedules to unite your downline, and give birth to successful promotional gears to invite type visibility and notification.

10. Agree in anything you do

If you do not accept as true with your style or your MLM list suitable sufficient to stock you correctly on chase, you can certainly not realize triumph. Believe on whatsoever you are merchandising primarily ahead others do.

Plus returns and commodities cause a rebellion to pick up up and each abundant, you can do in other places along furthermore it as long-lasting as you carry these items in information as soon as attempting to reap sensation in MLM.


Concerning the Architect

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