Financial Independence Compilation, make money blogging and passive income opportunities

Welcome to the December 6, 2010 edition of financial independence.
Your Financial Independence Articles

Making money blogging: diaries of a beginner blogger entry 2–should I give up? - Back in September 10 I posted an entry entitled Diaries from a beginner blogger entry 1. In that post I explained why I started this blog and, in summary, what I wanted to achieve.
Just to recap, I made the following points…

Passive income opportunities - This post is a bit of dummy spit from me. Not a nice start, I apologise for that. I get very annoyed by the main stream financial advice available in personal finances magazine or even on TV. The main advice you get from the experts is to cur your expenses,save your money, put it into your superannuation, or 401K if you are in the USA and have an emergency fund.
Whilst they are not wrong I believe they are missing the point. Think about the following scenario…

Top ten saving tips - Want to save your money but don’t know where to start? Or perhaps you are have already gone through the process of cutting your expenses but it has not been enough?
Whatever your circumstances, I have compiled ten easy ways save on your daily expenses.

Reader’s Articles

Rich D presents Where to Buy Penny Stocks posted at Stock Tips, saying, "Buying penny stocks can be confusing for many investors. Learn how and where to buy penny stocks and what to look for when choosing which penny stocks to buy."

Pinyo presents How to Protect Yourself from Debit Card Overdrafts posted at Moolanomy.

Colin Robertson presents What Credit Score Do You Start With? posted at The Truth About Credit Cards.com, saying, "If your one account is in good standing, meaning you’ve made payments regularly and kept the balance low (credit utilization), you should have a good credit score."

BC Russell presents Free MLM Leads posted at Internet Marketing... while being careful with your cash., saying, "That can’t be a real offer, can it? Well sort of. Here are 3 ways you can generate MLM leads free, if you understand the downsides."

Everything Finance presents How to Manage Customer Reviews Online posted at Small Business Resource, saying, "For small business owners, word of mouth advertising is one of the most effective ways to draw new customers."

Tim Chen presents Rewards Showdown - Chase Sapphire vs Capital One Venture posted at NerdWallet Blog - Credit Card Watch, saying, "The Chase Sapphire and the Capital One Venture Rewards cards seem pretty similar, and even their signup bonuses and rewards programs overlap. But when you really look at the numbers, some glaring differences appear."

Madeleine Begun Kane presents Trippy Limerick posted at Mad Kane's Humor Blog.

Thursday Bram presents Doing What You Love, and Deciding Never to Retire posted at Currency.

Thursday Bram presents How Much Should You Spend On Having Fun? posted at Currency.

Jeff Weber presents Discover More Card Review Who Benefits with this Credit Card posted at Smart Balance Transfers, saying, "The Discover More card is a good credit card for people who want good customer service and fair treatment."

Chizoba Morah presents Your Personal Finance Journey | Information Gallery posted at Information Gallery.

Chizoba Morah presents Tips for Taxpayers Who Owe Money to the IRS | Bookkeeping Tips posted at Bookkeeping Tips.

Barb Friedberg presents How to Prepare for the Coming Inflation posted at Barbara Friedberg Personal Finance, saying, "Get ready to fight inflation with these tips. Your shopping trips are going to cost more soon!"

Steve Faber presents How to Use the Law of Attraction to Win the Lottery | lucky-lotto-numbers.com posted at Lucky Lotto Numbers, saying, "Thousands of people ask this question every day. Have any of them really thought about how this could happen? Apparently not! Here is what they're missing, and it's as plain as the nose on Cyrano's face."

BWL presents 8 Ways To Save Money On Your Christmas Shopping posted at Christian Personal Finance, saying, "This article looks at 8 simple ways you can save money on your christmas shopping this year..."

Michael Pruser presents Understanding the Value of a Good P/E Ratio posted at The Dough Roller, saying, "Knowing the value of a good P/E ratio could be the edge you need in the stock market."

Michael presents Sony Card From Capital One $50 Gift Card posted at Consumerism Commentary, saying, "A credit card for anyone loyal to the Sony brand, or who has a big electronics purchase looming."

Praveen presents Two Stock Ideas: NETC and RPM posted at My Simple Trading System.

Odysseas presents Five Ways You Can Turn Your Debt-inspired Frown Upside Down posted at Wallet Blog, saying, "I think your readers will enjoy my submission this week because it shows them that debt does not have to be such a heavy burden. Anyone can take control of their financial future by making a few lifestyle changes."

MoneyThinking presents Holiday Hosting on a Budget posted at Money Thinking, saying, "I realized the other day that I’m going to have three or four get-togethers at my house in the next month. First off, I wondered what I was thinking. Secondly, I realized that this could get really expensive! Luckily, I have experience with keeping things cheap but fun… and as always, I’m going to help you, the readers, do the same! Hosting a holiday party this year? Then check out these quick tips!"

freefrombroke presents LIFE Has A Way Of Screwing Up Budgets posted at Free From Broke, saying, "You try to do the right thing and make a budget. But you find that your cash flow still doesn't work out. What's happening? LIFE!"

Ken presents How a Home-based Business Helps You Reduce Taxes Even More – Part 2: Business Losses posted at Spruce Up Your Finances.

PT presents Do You Need Home Office Insurance? posted at Prime Time Money, saying, "Does your small home business need insurance?"

DoubleMyNet presents Buy My Truck For $900 Per Month posted at Double My Net Worth, saying, "How would you like to buy a USED truck for 900 U.S. dollars a month? That's a terrific steal. Better than 1500 a month, don't you think?"

Silicon Valley Blogger presents Transferring Your Brokerage Account? Switch Brokers With Ease posted at The Digerati Life, saying, "Thank you!"

Darren presents Social Security Benefits for your Spouse posted at MORE than Finances, saying, "You may know about receiving social security benefits for yourself when you retire. But did you know that when you retire, your spouse also receives benefits?"

Erin Pavlina presents How I Got Every Job I Ever Wanted posted at Erin Pavlina - Spiritual Wisdom for Conscious People, saying, "When I was 17 my father told me I could work for him during the summer for $3.00/hour or I could go out into the “real world” and get a job that earned minimum wage, which at the time was $5/hour. I thought this was a very clever deal since he was offering me the..."

That concludes this edition. Submit your blog article to the next edition of financial independence using our carnival submission form. Past posts and future hosts can be found on our blog carnival index page.

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Technorati Tags: Financial independence,personal finances,make money,blogging

Financial independence compilation, habits of successful people, get rid of debt and make money

Welcome to the November 29, 2010 edition of financial independence.

Your Financial Independence Articles

Ten habits of highly successful people -  There are many different sayings that reinforce the importance of learning from others with more experience than ourselves.  This can save a lot trouble and can help us to achieve our objectives faster.

I have compiled a list of 10 habits, or qualities, of highly successful people. I honestly believe that anyone can develop these habits and progress to achieve anything in life.

Maybe I am a little naive but hey, it worked for them so it will probably work for me as well.

How to make some extra money - I have read quite a few articles about how to make some extra money. There is a wide range of advice that goes from saving, to keep the money in your pocket, to using your credit card to make money through rewards.

Here are a few of my favorite tips.

Personal finances management for when you are broke, debt consolidation home equity loans - It can be very difficult to budget when you are under financial stress. The following tips are aimed to us to budget when lacking a bit of cash.

Reasons to say NO to credit - It is very easy to get credit these days. Many credit card companies offer introductory rates that are very attractive, combine it with a culture that encourages to spend money then there is potential for a personal finances disaster.

Our society seems to place value on the things we have and not who we actually are. I observe this whenever I go. People compare the cars they drive, the school the kids go to or the clothes they wear. It is ridiculous. This encourages people to purchase stuff using credit.

Here are a few reasons why you should say no to credit.

Videos on how to be successful - The following videos provide quick and valuable  tips on how to be successful.

Reader’s Articles

Jason Vincion presents How to Invest posted at For the Love of Creativity, saying, "A blog post that offers suggestions on how to find sound investments that accrue interest over the rate of inflation."

Rosetta presents Cash Flow Notes posted at Stock Tips, saying, "Cash flow notes are similar to an IOU for debts that can either be purchased or sold. Get some investment tips if you wish to have smooth transactions with potential note buyers."

Everything Finance presents The Top 3 Ways to Entertain your Business Clients posted at Small Business Resource, saying, "When it comes to business, it is vital that companies form good working relationships with their clients. Trust is invaluable to fostering a successful partnership; socialising with your contacts outside of the office environment can be a great way to build it. If your clients are based far away from you and you only have the opportunity to meet every so often, you need to make the most of this time in order to get to know each other."

Silicon Valley Blogger presents PenFed Credit Union Credit Cards Review posted at The Digerati Life, saying, "Have you thought about getting a credit card from a credit union? Here's a review of cards from PenFed."

Ryan @ MFN presents How to Find Unclaimed Property and Money posted at The Military Wallet, saying, "Tips on how to search state records for free to find missing money, such as paychecks, tax refunds, and other money you are owed."

Tim Chen presents Get $100 With the New American Express Blue Sky Preferred posted at NerdWallet Blog - Credit Card Watch, saying, "American Express just rolled out a spanking new offer, introducing the Blue Sky Preferred credit card, and they’re giving away $100 to boot."

Ray @ Financial Highway presents Car Maintenance: 8 Tips to Cut Down on Costs posted at Financial Highway, saying, "Maintaining a car can take up a large chunk of your income, here are 8 tips to help you cut down on your expenses."

Highest CD Rates presents Choosing the Best CD for You posted at Highest CD Rates Info, saying, "A certificate of deposit can be a low risk part of any investment portfolio."

Odysseas presents ‘Money is Not Easy, but It’s Simple’ posted at Wallet Blog, saying, "Hey, taking control of you financial future takes patience, but it does not have to be complicated when you set appropriate goals and know what your priorities should be."

Jeff Weber presents Who Can and Can't Benefit from the Citi Platinum Card posted at Smart Balance Transfers, saying, "The Citi Platinum select card is good for consumers who can benefit from low rates, but not ideal for those who pay their balances every month and could realize greater benefits with a rewards credit card."

Andrea McDougal presents Follow the Money:12 Big Public Works Projects Funded by US Stimulus Money posted at Masters in Project Management, saying, "Big public works are being funded by US stimulus money. These things range from major road and public transportation revamping to smart grid projects throughout the country."

BWL presents Is it Smart To Borrow Money To Invest? posted at Christian Personal Finance, saying, "A look at whether or not investors should be borrowing more money to invest..."

Mitch Archuleta presents Roth IRA CD Laddering posted at RothIRA.com's Retirement Planning Blog.

Michael Pruser presents Citi $50 Cash Back Student Holiday Offer posted at The Dough Roller, saying, "thanks for the inclusion"

Michael presents 20+ Christmas Gift Ideas Under $100 posted at Consumerism Commentary, saying, "A great list of Christmas gift ideas"

PT presents 2010 Tax Brackets: What Is My Tax Bracket? posted at Prime Time Money, saying, "Know your brackets and know how to plan to pay fewer taxes."

Alexander presents A Defensive Stock With A Generous Yield posted at Dividend Stocks, saying, "Value investors looking for a long term stock with a dividend that is likely to increase over the next few years should turn their attention to Lockheed Martin."

Moneyedup presents What About Savings Bonds? posted at MoneyedUP, saying, "These investments are perfect for everyone from infants to the elderly. Savings bonds have been around forever and are still as popular as ever."

freefrombroke presents Building Credit From Scratch – Are Young Adults Doomed for Financial Failure? posted at Free From Broke, saying, "Do young adults have the cards stacked against them as they try to build up new credit? Temptation and student loans make it difficult for young adults to get ahead."

Ryan @ CML presents How to Calculate the Yield on Cost of a Dividend Stock posted at Cash Money Life, saying, "Tips on calculating the yield on cost of a dividend stock, an important indicator of how your dividend portfolio is performing."

Ryan @ MFN presents When Should You Start Receiving Social Security Benefits? posted at The Military Wallet, saying, "Choosing to delay receiving Social Security Benefits can increase the amount you receive. These tips can help you maximize your Social Security Benefits."

Stretching the One Income Dollar presents Stretching the One Income Dollar: 10 No Money Down Ways to Buy Real Estate posted at Stretching the One Income Dollar, saying, "Thank you for consideration of my article."

MoneyNing presents How To Teach Your Kids To Budget posted at Money Ning, saying, "How would you teach your kids how to budget? Do you think it's important?"

Arjun Rudra presents Discussing the investment case for Kinross Gold (K:TSX) with Bruce Campbell of Campbell & Lee Investment Management posted at Investing Thesis, saying, "While many have argued that gold will continue to outperform going forward, there are equally as many who argue against an investment in gold , including the Oracle of Omaha. While there are valid points on either side of the argument it is you who has to judge on which side of the debate you fall. Having said that, if you happen to fall on the side that calls for an investment in gold , you’ll likely enjoy the following interview."

Money Crashers presents » What Is Divorce Insurance Coverage? posted at Money Crashers, saying, "One of the latest products to be rolled out by the insurance industry is divorce insurance. Yes, you heard me correctly, divorce insurance. The question is, what exactly is it and should you consider it?"

Youdondour torres presents Quick sameday advance posted at Pay Day Loans For You Today!.

Youdondour torres presents Payday loans online and how they work posted at Quick and easy payday loan!.

That concludes this edition. Submit your blog article to the next edition of financial independence using our carnival submission form. Past posts and future hosts can be found on our blog carnival index page.

Technorati Tags: financial independence,habits of successful people,make money

How to make some extra money

I have read quite a few articles about how to make some extra money. There is a wide range of advice that goes from saving, to keep the money in your pocket, to using your credit card to make money through rewards.

Here are a few of my favorite tips.

Create ad supported websites or blogs

This can be a bit time consuming and it can take a while to give you the return you want. Nevertheless there is a lot of potential for long term, enjoyable earnings.

An easy way to start is by using the Google’s blogger site. It will take literally a few minutes to setup a blog, and then you can add a variety of monetisation strategies including adsense, chitika ads and more.

Sell your old stuff

A garage sale can put some money in your pocket and, at the same time, help you to get rid of your old stuff.

My neighbor does at least 2 garage sales a year and often makes more than $1000 from them.

The kids also like to join in the fun and sometimes they sell drinks for $.50c.

It is great fun!

Resell items

Do a little research online and find which items are on demand and how much you can get by selling them online. Once you have your little list go shopping. Buy those items in garage sales or cheap shops and resell them online for a profit.

Don’t forget to including postage when you calculate how much you need to charge for your items.

Offer your service to others

There are many people that need different types of services. Lawn mowing, pet sitting, grocery shopping and more. Try offering your services through your local paper and you can probably make a few bucks from it.

Use your current job skills

Take what you do in your current job and consider offering the same service to others during the weekend or night time.  A similar option is to teach what you know to others.

Telecommute, car pooling

Make money by saving the money you spend in gas. Speak to your employer about the possibility of telecommuting or speak to your colleagues about car pooling.

Flip websites

If you have the technical skills then create websites with traffic and income potential and flip it. Have a look at flippa.com for a few ideas.

Sell photos online

Anyone cam get out there in the great outdoors and take some good quality pictures. During the weekend take your camera with you, take a few pics and sell them online.

Before you go out taking the pictures do a little research online to find out the topics that are in demand. This can help you to take targeted pictures which will improve your sales potential.

Take a real estate course and become a real estate agent

I know this sounds a little wild but it is definitely an idea with huge earning potential. if you are a stay at home mum talk to your partner about take weekend courses on real estate selling and get yourself licensed.

Once you do that you can start an online real estate agency which has less overheads to you and therefore you charge a little les commission from your customers every time you sell.

People already do that on eBay. There is nothing preventing you from creating an online shop to sell, well to sell properties.

If you do that make sure you do your research to get yourself insured and make sure that you follow all of the required legal obligations.

Technorati Tags: financial independence,adsense,chitika,ebay,personal finances

How to make money blogging videos

Are you looking into blogs as a way to make some extra money? These video will give you a quick introduction on how to turn your blog into a stream of income.

Enjoy!

How to make money blogging

Technorati Tags: blogging,financial independence

Financial Independence Compilation

Welcome to the October 24, 2010 edition of financial independence.

Your Financial Independence Articles

Teach your child how to make make money - Want your child to be a millionaire? All parents want the best for their children so why not teach them how to manage and  make money?

Here are a few tips to help you to raise a millionaire.

Making money through blogging – developing highly profitable topics using Google AdWords - If you are into blogging you know that it can be very difficult to make money. You’ve heard it many times that the secret is on attracting the crowds. There is more to it, you also have to ensure that you are choosing topics that are highly profitable.

There are many articles on the web that tell you how to attract traffic into your site. Most of them say that the more traffic you get the more chances you have of making money either through advertising or via selling some sort of product. It is true, the more people come to your site the more chances you have of making money.

Thriving 30 million dollars business from a school project. Find out how she did it -  At 16 years of age, Lindsay Phillips had an idea to create flip-flops with straps that could be changed during a school project. It is project that this year her company will bring $30 million in revenue says AOLSmallbusiness.

The idea is very simple, you buy one pair of flip flops and renew their appearance with new straps. They look new and different every time and can be worn with different clothes depending on the occasion.

Her company is now producing other products such as shopping bags, scarves and sandals for children.

How to make some extra money - Do you need some extra cash. I think we can do with a little extra cash. The following sections describe some of the strategies you can use to make some extra cash.

Reader’s Sponsored Articles

Rick- presents Best IRA Rates posted at Stock Tips, saying, "To get the best IRA rates, portfolio diversification is necessary. Find out how to get the best IRA rates and IRA returns today."

Youdondour torres presents 1 HOUR Payday loan for fast cash now! posted at Pay Day Loans For You Today!.

Youdondour torres presents Payday advance for those with poor credit! posted at Quick and easy payday loan!.

Youdondour torres presents A Cash advance with no credit check! posted at Quick and easy payday loan!.

Mike Piper presents Types of Annuities: Annuity Definitions posted at The Oblivious Investor, saying, "What are the differences between the various types of annuities? Which ones are useful, and which ones are a raw deal?"

Youdondour torres presents 1 hour paday advance for quick financial assistance! posted at Pay Day Loans For You Today!.

Youdondour torres presents Quick ways to get cash now! posted at Quick and easy payday loan!.

ABConseil presents THE AMAZING WIDGET�S REVIEW :AutoBlog posted at AutoBlog, saying, "TheAmazingWidget.com claims to offer a breakthrough new way to generate �semi autopilot� traffic and commissions, with the launch of their new Software and accompanying Blueprint. Further, they claim to offer a dead simple way for virtually anybody to begin placing their oddly named �Amazing Widgets� in hundreds of free spots around the web, as a foolproof way to make money on autopilot once in place."

BudgetSnob presents Retire Rich ? Let Everyone Else Work posted at Budget Snob.

BudgetSnob presents Close Your Budget Gap posted at Budget Snob.

Robert Alan presents How Do I Make Bad Marks on My Credit Go Away? posted at Credit Card Assist, saying, "How to make bad marks on your credit go away in 6 simple steps."

CreditShout Kevin presents How to Deal with Credit Card Customer Support posted at CreditShout.

Victor del Rosal presents A social experiment: your finances solved posted at Internet Empire Formula, saying, "This article poses a hypothetic questions: if your financial life was completely resolved, forever, would you stop working? It analyzes the true meaning of work."

Sam presents New !! Is an Annuity Insurance Retirement Plan Best for You? Five Essential Points posted at Surfer Sam and Friends, saying, "Thanks for including my article on annuity insurance retirement plans. Here's an excerpt... Are you afraid that you will outlive your money? Are you worried that you might lose your savings in the stock market and face retirement broke? The past few years in the stock markets have upset the retirement plans of many investors. Today, people are living longer than ever. Seniors and baby boomers are concerned that they have enough money to support them during a long life. Annuities are an investment option for these people. Annuities guarantee that you won't outlive your income, no matter if you live 100 years or longer. Furthermore, with an annuity you do not risk losing the nest egg you have accumulated."

Jeff Weber presents Avoid Balance Transfer Mistakes posted at Smart Balance Transfers, saying, "Avoiding these three balance transfer mistakes will help you save the most money and avoid hurting your credit score."

nissim ziv presents How to Present Yourself in an Interview and Impress the Interviewer? posted at Job Interview Guide, saying, "When you are in the process of preparing yourself for your job interview, one of key prep steps is practicing your interviewing performance and reshaping your presentation level in order to create the best positive impression on the interviewer."

Madeleine Begun Kane presents Pigheaded Limerick posted at Mad Kane's Humor Blog.

Alexander Peter presents Catering Trailer Insurance posted at Catering Trailer Blog, saying, "If you are thinking of starting your business one important thing to consider is insurance. This article provides some advice for catering trailer owners."

David de Souza presents 5 Steps To Getting A Tax Rebate posted at UK Tax Blog, saying, "Are you due a tax rebate? Our guide will help you claim your tax refund"

FMF presents A New Rule-of-Thumb for Renting versus Buying? posted at Free Money Finance, saying, "Does this "new" rule for renting versus buying work?"

Marvin Grossman presents That's gross! Why home insurance won't pay for disgusting problems posted at Insure.Com Home Insurance Articles, saying, "Rats, mold, bed bugs? Here's why home insurance won't pay, and some exceptions to the rules."

Jim Nariel presents How you can Build a Successful Work from Home Business Now posted at Point and Click Program Revealed, saying, "Blog post on how to start a successful on line business from home"

Joanaa Tiger presents Top 10 Financial Blogs for College Students posted at Criminal Justice Degrees Guide.

BWL presents 4 Habits of Millionaires posted at Christian Personal Finance, saying, "This article looks at how millionaires really spend their money..."

Arjun Rudra presents Statistical Arbitrage Pairs Trading With Michael Kapler of SciVest Capital Management posted at Investing Thesis, saying, "While you may have heard of simple pairs trading which involves going long one security and going short another, it’s the statistical arbitrage aspect that you’ll be introduced to today."

FIRE Getters presents Tax FREE Money Market Mutual Funds! posted at FIRE Finance, saying, "Most astute investors are aware of municipal mutual funds also known as MUNIs. These funds invest in term debts issued by various state and local governments. In general dividends and gains from muni funds are exempt from federal as well as state taxes."

Jason @ Redeeming Riches presents 8 Financial Myths to Discuss with Your Kids posted at Redeeming Riches, saying, "Teaching kids about money can be a tough task to tackle, especially with these myths."

Barb Friedberg presents Can the Average Joe/Jane Expect Price Changes When the Dollar Fluctuates? posted at Barbara Friedberg Personal Finance, saying, "Understand the relationship between US dollar and how it MIGHT impact future prices. Use this knowledge to help you toward financial independence."

freefrombroke presents What Is A Reverse Mortgage Loan? posted at Free From Broke, saying, "What a reverse mortgage loan is and who it is for."

Joe Morgan presents Living on a Single Income: 7 Years and Counting. posted at Simple Debt-Free Finance, saying, "Some tips and lessons from 7 years of living on a single income with a wonderful wife and 3 children. It's not easy, but it's not impossible either."

PT presents Meeting with a Fee-Only Certified Financial Planner, Part 2: Planning Session and Retirement Recommendations posted at Prime Time Money.

That concludes this edition. Submit your blog article to the next edition of financial independence using our carnival submission form. Past posts and future hosts can be found on our blog carnival index page.

Technorati Tags: make money,blogging,business,mortgage,debt-free,financial independence money blog carnival

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