Does Anybody Ever Really Make Money Online?

The first thing people say when you tell them you want to work at home on your computer is:1. Are you crazy? Nobody makes money online. You’re just going to lose money trying to learn how to make money online.2. Don’t bother, the only people making money online are the people selling the “How to Make Money Online Books.”In addition, they say, it’s way too risky, 95% of the businesses fail.And you know what? That is true. But here are a couple of other facts. People do make money online, a lot of it. It’s in the billions as a matter of fact:”According to the U.S. Census Bureau, total Internet e-commerce sales for 2008 were $133.7 billion. Additionally, according to PricewaterhouseCooper LLP, for the year 2008, there was a total of $23.4 billion generated by Internet advertising.”So the money is there.And speaking of risk? There is very little to none. It’s just the opposite. The big risk is in the brick and mortar world.Think about it, the amount of money you have to invest for advertising, rent and education is staggering.My daughter-in-law is a bookkeeper making an average paycheck and she had to go to school for two years just to get a better than average job. Later, when she got her B.A., she made a lot more money, but that was another two years and thousands of dollars later.Not only that, she still had to work for someone before she could start her own business, plus it took quite some time. And that’s because the competition is fierce. It’s just as tough as online–it doesn’t matter what business–nails, massage, photography, music etc.But here’s the thing, it’s less risky in the online world–no rent to speak of, and advertising plus marketing-you do it all yourself, that’s part of the learning process.If you’ve got start-up money, better yet, you can outsource it. That’s the big thing today. But beware if you outsource it before you know how to do it yourself. You just might not know how to manage someone else doing it for you.Why not take the time to learn marketing?So here it is, I’ll get right down to it: The three ways for you to learn how to make money. That’s right, I said learn how to make money, not make money.If you make money, good, but the point is to learn how to get the infrastructure in place and practice doing it until you’re successful. It may take a few times until you get the hang of it.But I want to add a small caveat here: and that is to put an emphasis on trying different strategies and making mistakes.Why?Because you’ll learn faster. Not only learn faster, but you will get used to self-correcting more often. And that will make the road to success faster and easier.With practice, there will come a time when you will learn how to advertise, market and sell your product or service. But beware; there is a long learning curve here. Take your time, make mistakes and learn along the way.Now, for those things you can do to make money.1. Sell the junk you have in your attic and back yard on eBay. That’s right, you’ve got a digital camera, the info is free–get going.2. If you like to write, take pictures or draw, why not sell that service? Check Google for the services you are passionate about. You’d be surprised at how many there are. And yes, you’ll have to work for a lot less until you get established but there isn’t much of a risk there either, since you’re not putting money into the business.3. Sell other peoples’ products. This is a very good way to make money for people who like to shop. Essentially, you talk about why you like the product and you’d be surprised how many people will be drawn in to you. Resellers or affiliate marketers make good money too. Some, make as high as 50 to 60 per cent.Most of all, what you want to do is listen, read and watch videos to learn how to market and advertise. You can get an invaluable education online–for free–don’t underestimate it.Even if your first project fails–and it most likely will–you are learning. And if you are sincere and keep trying, sooner or later you will sell a product. And when you do, you’ll have the recipe to sell another one. Or better yet, start another line of products.And here’s the best part: you can do it in relative obscurity. Taking rejection person to person is brutal.Use the same learning process for building lists, emailing, and writing ads etc. There’s a lot there, but it’s doable if you want it bad enough. Once you have it, you know how to take a product or service – any time -and launch a successful campaign.And how good is that?What kind of an education is that? What kind of security is that? What kind of success is that?But most of all what kind of person are you now?Quick recap:1. People really make money online (in the billions).2. Making money online is less risky than making it offline.3. The learning curve for making money online is not difficult but it does require a long time to set up the infrastructure and practice the marketing strategies.4. Once you get this learning down though, it’s good for life. You can do it again and again. It’s true financial independence.5. Not only will you be enriched materially, you will also be enriched knowing you are your own boss calling all the shots.Enough said. So what are you waiting for?

Used Car Loans – Guidelines

An automobile is probably the second or third-most expensive thing you ever get (depending on the education, since a home is the major expense in your lifetime), and knowing that big a good investment you need to look after lots of factors. Even though you cut costs for quite some time, purchasing a used car can still be very costly and requiring some extra. To assist cover these areas, all credit companies, bank or other financing industries allow us a loaning system for that individual so the person in need can buy his car.Basically just what loan, in company terms? A loan is definitely an amount of cash that are given towards the customer through the financing company with regards to buying something (an automobile within our case). The organization verifies your credit score and if it is clean you’ll be entitled to that loan. Then when you decide to go sign an agreement for a loan you will have to pay a monthly fee to pay for the amount that you have borrowed and something some extra they call “interest”.If you understand all the terms let’s see how would you obtain a loan.Initial step is: knowing your credit situation. Like I said, a clean credit could make you entitled to a loan, a under clean credit rating will classify you as a “bad credit” loaner and it will considerably harder for you to have the loan. You need to head for Equifax or TransUnion and acquire a credit history which lets you know what your location is.Step 2 is disputing any unsolved problems with your credit. Mistakes or missed terms may affect your credit score dramatically, dropping your chances to get the money you’ll need. Provide the agency that reported you with the necessary paperwork to determine the problem done so that any “black spots” are taken off your credit report.Step 3 is reassurance. Obtain the papers you need to show the financing company that you have a stable job and home. You are able to present a stub or perhaps a letter from your boss. More information regarding your bank account is going to be required.Expect you’ll pay a bit more in interest when targeting a second hand car loan. Most lending companies charges you a more for a used car (usually 2%) compared to a new one. so technically the newer the car is the lesser you’ll have to pay in interest.Be cautious when you’re choosing your car. Many banks will refuse loans if the car is over Five years old. This represents a liability for them and never enough to be used as solid collateral in the event of payment problems. Therefore those are considered liabilities.Step 4: preparation. Do a little research and try to focus on financing companies specializing in used car loan rates. For example a company like Capital One Auto will offer you loans for used cars that are purchased from dealerships. Other institutions like First Again will offer you loaning choices for people who decide to head for private parties.Also do your math thoroughly. Calculate the interest you’ll have to pay Prior to choosing the loan’s length. It may seem quite simple to choose a long term loan make the fee every month is really and affordable, but if you take time and calculate how much will you pay over time, you’ll realize that they’ll become rich at the expense. Try as much as possible to create Three years long loans.

Creative Finance Techniques That Work in Film Tax Credit Financing in Canada

If your production in film, television or digital animation requires financing then Film Tax Credits in Canada are solid ways to augment your overall finance plan. In order to finance your credits your tax credit certificates must of course qualify for Canadian content in the appropriate categories and must satisfy the rules set out by Ottawa and your province relative to personnel and production costs.In the last couple years the government has made a commendable effort to streamline the application processes for film tax credits and we must remind readers that these credits apply equally to the television and digital animation areas.In the digital animation areas you might also be eligible for SR&ED credits under what is known as the Scientific Research and Experimental Development program. This is without a doubt Canada’s largest program for tax credits, far surpassing the film, TV and animation areaFinancing of productions can be very traditional or very creative, but without a doubt tax credits can play a key role in either total finance strategy. Typically productions are financed in the following manner: Non studio producers, i.e. the independents arrange distribution and pre-sales of the project. Typically you are entering into an agreement to give the other party the rights to display your production via TV, DVD, etc in that particular geography.Many pre-sales budgets we have seen show a best case and worst case pre-sales scenario. The pre-sale financing are, in effect, promissory notes to your special purpose entity for this production. The next financing challenge is to ‘finance’ those promises to pay for a number of different finance entities, including banks, specialized firm finance firms in Canada, etc. In Canada 2 or 3 of the nations banks are somewhat actively involved in this area – while others shun the industry as too high risk for traditional lending.You of course are also required to post a completion bond covering cost over runs and the ultimate completion of your project.Film tax credit financing is one of the final elements of your overall finance strategy. Your tax credit is, in Canada, in essence a government subsidy, so why shouldn’t you take advantage of it. Tax credits finance a very large part of what is known in the industry as the ‘below the line ‘budget. These are, in effect, your actual production expenses.You therefore must ensure your production qualifies for the right expenses, and typically those are validated by an accountant or firm with entertainment accounting experience. By utilizing a Canadian actor component, as well as technicians and other resources you have set your project up to both qualify for the tax credits, and, then more specifically to cash flow or sell these credits.In order to finance your credits you should have an overall finance plan, and a strategy for the equity and debt components of your production. Validate your budgets and ensure your productions have the required ‘points’ in order to qualify. Film tax credits can be financed on filing, or, more popularly, as you spend funds, which are then reimbursed via the tax credit financing.Speak to a trusted, credible, and experienced film tax consultant around your ability to maximize and capitalize on this critical strategy within ‘Hollywood North’, aka Canada!