Never Ending Grants

With the on-going rush for grant money, people around the world are clamouring online and offline for some free government cash. As I'm sure you know, many of these government grant guides are scammy and spammy deals -- you would be right.

There are a few government grant guides that seem to have the correct information to garner success, but it still takes some work succeed. Even with the right instructions, forms, and education -- you need to roll up your sleeves a little.

Patience is another virtue. If you succeed in getting a government grant it will likely take more time than you think. It can take years depending on your case and circumstances. Don't get me wrong, I've read about people who do succeed and it can be done. Just be warned to get a decent grant guide, and spend some time reading up before you start applying.

Kenny

HyperVRE & Adsense Tutorials

Terry over at Your Financial Freedom is doing a tutorial that encompasses HyperVRE software and Adsense income generation. I've tried Terry's methods and indeed it worked. Took about three weeks for the search engines to find my HyperVRE web sites but once they did they've been solid. (making money everyday)

You can see the first HyperVRE tutorial steps here.

Have fun.

Kenny

When Will I Learn`- Debts & Holidays

It's that time of year again when everyone is caught up in trying pay down their debts from Xmas time. It's been the same pattern since the dawn of the industrial revolution, that consumers in America are paying down debt from the holiday seasond.

Not only are we all (yes....think I'm talking to myself here more than anything) paying down credit card debt, line of credit debt, and bank account overdrafts - we're also trying to pull some pennies and dollars together for the IRS (or whatever tax department your country has). This combination is deadly if you are not earning alot of some good bucks via wages or self-employment.

I think we should all switch over to the infamous "Festivus" celebration as made popular on the Seinfeld show. Festivus was orginally invented by Dan O'Keefe and his son made it popular on the Seinfeld show. The basic idea is that you make Christmas cheap by only erecting a silver pole instead of a Christmas tree. You don't exchange many gifts (if any) and we "sit around the table and tell each other how much we dissapointed each other all year long" Funny but people do this now since the airing the Seinfeld's "The Strike" episode.

If was'nt for the kiddies I would like to celebrate Festivus and make it easy on the wallet and easy on the sweat glands - not to mention the stress nerves that get strung during the silly season.

Yep....got a whack of debt to pay down and as usual, we'll squeeze by.......next year will be different. Yeh...right!

Debt Relief Companies

When seeking debt relief, be an informed shopper. Do your research before signing on with any one service. Here are some questions to ask:

• How much does it cost? Many less-than-reputable services charge hundreds of dollars to start up, money that doesn't go to any of your creditors.
• Does the service notify credit bureaus about your enrollment in their program? Some do and some don't. Creditors may still elect to put a bad mark on your credit report, but the agency you are looking at for debt relief shouldn't.
• What services are offered? Do they offer a range of solutions from trouble-shooting before finances are a big problem to debt management. Beware of companies promising too quick a solution or promising to "fix" your credit report.
• What are the benefits of belonging to one particular group over another? For example, some services offer newsletters and budgeting tips, all to help you become more stable when your debt is paid off.
• Are they a member of the Better Business Bureau? If that is not advertised, check them out with BBB first.
  
  With time, patience and diligence, you can become debt free.
  
  Debt relief is a topic on a lot of consumers' minds these days, and with good reason. American credit card debt in 2001 was $692 billion, triple the amount from 1989. In that same time period, the average credit card increase for a middle-class family was 75%. The amounts were even higher for low-income families and senior citizens. At one time, such a high amount of credit card debt would seem frivolous as buyers spent money they didn't have on luxury items such as electronics or jewelry. Today, however, in less stable economic times and a poor job market, more people are turning to credit cards as a way to extend their income. More and more debt is being rung up for everyday items such as groceries and medical bills. How can people get real help with debt relief?
  
  Credit counseling services were originally established by credit card companies who wanted to get at least some of their money back before a client decided to declare bankruptcy. While that may seem shady to some people, for others it is a legitimate way to pay the debt they owe.
  
  Timothy Gorman is a successful Webmaster and publisher of Debt-Relief-Solutions.com. He provides more debt consolidation, credit counseling, repair and free debt relief information that you can research in your pajamas on his website.

Pet Peeve In Affiliate Marketing

For all new comers to the world of Internet income, I want to relate my experience with some merchants in the affiliate marketing business.

All ebooks and so-called gurus will tell you how easy it is to create websites and simply throw up links with your affiliate code embedded and create great residual wealth. What they don't tell you is that there are some real snags that you will run into. Below I list them off for you. You will understand why Google Adsense, YPN, and Kontera are much better options for "monetizing" your web site.

1.) Often merchants change their a program and render your affliate code obsolete (meaning you don't get paid any longer for your traffic until you change your affiliate code. If you have many many sites you will find this will cause you to lose commission right and left.

2.) Sometimes merchants don't pay on time. (Adsense and YPN do pay on time)

3.) Once and awhile merchants decide not to pay you. This is rare, but it does happen. (Adsense and YPN have never stiffed me)

4.) Many merchants have minimum payout threshold which can fail you in this way; often you run a test by promoting a merchant and find out they convert BADLY. So you withdrawal from promoting them and of course you don't reach their payment threshold and the money you've earned is never sent to you.

5.) Many affiliate programs (and I mean MANY) have terrible tracking. Their servers are not updated properly, and they can be slow to credit you for your earning. (Adsense and YPN are updated through frequently, so you can watch earning come through)

These are just some of the problems with affiliate programs. There are many more that I don't feel like whining about right now. I'll maybe list those off later in another post.

For now,

Kenny

The Google Guys Book

Got the Google Story book (in paperback) for Christmas and started reading it yestereday. It's an interesting read when David Vise and Mark Malseed finally start talking about the facts in the life of Google founders Larry Page and Sergey Brin. I found it very interesting to learn about Larry and Sergey's impressive educational background.

The beginning of the book raves on a little too much about the accomplishments of Google and all that work within the Googleplex. I too see Larry Page and Sergey Brin to be amazing people, but the authors over-do the praise a little.

I have more to read, and I'll update this when I've finished it.

Kenny

PS - (I love the irony that Gates funded the building (Stanford University Gates Building Room #360)in which Larry and Sergey developed the early Google idea.