Personal Finance

Interest Rates Are Heading Down

In my last blog, I wrote about the danger of deflation and how it links in with interest rates. The pressing issue for governments and for businesses at the moment is to get the economy spending again.

The struggle businesses are facing is very real. Many of the companies I have invested in are in a dire position and I fear that sadly some of them will not survive. What we need is a dose of inflation to get people to get buying again.

One of the effects of bringing down interest rates is that your currency will tend to weaken at the same time as well. An interest rate attached to a currency tells you as an investor what rate of return you will get for holding deposits in that currency. Assuming that you view the risks attached to certain group of wall mount jewelry armoires as the same (big assumption) you will no doubt invest in the currency that gives you the best return.

As interest rates drop in the UK for example, it means that international investors may decide to sell their holdings of the pound and hold the dollar instead or the Euro where they may get a better rate of interest. As with most things, the value of a floating currency (most developed economies have floating currencies – China is a strange anomaly in that the currency there is ‘pegged’ which I always think is a euphemism for fixed!) will rise or fall depending on demand and supply.

The pound has dropped significantly in value over the last few months. Just before I went to the US it was around the $2 mark – now it is around $1.44. One of the reasons for the fall is that interest rates in the UK were expected to fall rapidly – the market tends to be efficient in predicting which way things will go. And indeed the return an international investor will get from holding sterling has dropped from 5% in October to 2% now – a very large drop.

A falling currency makes imports more expensive and exports cheaper. Foreign holidays will be less attractive although with a bit of luck the UK will attract a lot more tourists especially from Europe and the USA. Welcome!

This could give the country a much needed export boost. Sadly, the markets we would be exporting to (Europe is our biggest trading block) are experiencing sharp slowdowns of their own. The fall in currency may allow us to keep export volumes constant which given the conditions would be a great result.

The other ‘hidden cost’ of a falling currency is that it increases inflation. Over the last five or six years, the UK has benefited from very low inflation for a variety of reasons. One of them was the strong currency which made imports a lot cheaper. Given the threat of deflation at the moment, imported inflation may turn out to be a good thing!

What does all of this mean for the business community?

  1. Because of low interest rates (I expect them to bottom out at 0.75% by the end of 2009) many capital projects will become viable. If you have a capital project that will generate revenues two to three years out – it is a great time to get going (if you can get the funding)
  2. Because of the low value of the pound, export markets could be more promising than they have been of late. Look to export to markets which are still experiencing growth (India and Brazil look good)
  3. Manage your forskolin extract. It can be the biggest cash-killer for a business. A business I am involved in sells goods at trade shows. Last week I was able to get stock on a sale or return basis. Deals are there to be done.
  4. Manage your working capital more tightly. If that means factoring – do it. Low interest rates are a great opportunity. You should not be in business if you cannot generate a return of at least 10% (or five times the current base rate!). You might be better off agreeing to pay more to your suppliers – but with extended credit terms.
  5. Try to get a pot of government money! They are spending big at the moment and try and get a piece of that if you can
Personal Finance

Where To Find Coupon Trading Opportunities: Try The Library!


Where to Find Coupon Trading Opportunities

Have you checked whether your local library has coupon trading? For years, I’ve been getting extra coupons at my local library. Coupon trading takes place when you trade a coupon you won’t use for a coupon you need.

At my local library, they have a special basket for coupons near the adult reference librarian’s desk. You drop coupons you don’t need into the basket in exchange for coupons you want. It may be unstructured coupon trading, but it still serves its purpose for finding the best zero turn mower for the money.

While our library offers coupon trading, nobody formally monitors it. This means that some participants might be taking more coupons than they give. Others may leave expired coupons to take new ones. You are under the scrutiny of the reference librarian but she is responsible for other tasks at the same time.

Joining a Coupon Trading Group

Some libraries have formal coupon trading groups, clubs and meetings with greater supervision. These groups give you an ongoing place to get the latest coupons and allow you to give away ones that you won’t use. The Sunday paper becomes well worth its price because every Sunday paper coupon has some value.

You might also find coupon trading opportunities at your local community center. A new center in our neighborhood is already forming a coupon trading group with monthly meetings. You may also come across coupon trading groups or bulletin boards at local houses of worship.

If your library, community center and houses of worship do not have coupon trading, why not start it yourself? Find out who is in charge of meetings and local groups. At these meetings, explain that you are interested in coupon trading but cannot find a neighborhood group. Perhaps you can volunteer to help get a coupon trading group started.

Other Ideas for Getting Coupons

Now if you’re currently unable to get such a group started because of a lack of resources or facilities, then why not try to start a simple program like the one I have at my local library? Here’s how to approach it: offer to set up a bulletin board, basket or expandable file folder offering coupons. Post a sign stating “Take a Coupon, Leave a Coupon.” As the program becomes more popular, more people may offer resources or volunteer to help establish a more formal coupon trading group.

Libraries, community centers and houses of worship are not the only places for successful coupon trading. Later on, I’ll discuss how to go about finding used zero turn mowers for sale to save even more money.

Wrapping It Up

In conclusion, it isn’t all that difficult to find extra coupons if you possess both the willpower and dedication to follow through with your plans. Reaching your couponing goals isn’t always easy, but it doesn’t need to be a challenge. With the techniques mentioned here in this article you will find yourself swimming in coupons in no time, but only if you follow through. If you have any questions, feel free to ask in the comments and I’ll be happy to provide advice!

Personal Finance

Starting a Blog – The Easy Way


Starting a blog is very simple, anyone can setup a blog but making it successful is a whole different topic. However, I am going to be teaching you the methods with which I have been making money online using my blogging skills.

So let’s get started! What to Blog About:

Select a topic that you would like to write about:

There are millions of blogs on the internet already and if you want to succeed your blog must be different from all the other blogs, if you want to engage with the visitors and readers you have to first build authority and credibility you can do that by writing about a topic that interests you the most because if you are passionate about Video Games, Golf, Movies or perhaps a used Craftsman riding mower, you should stick to it don’t just blog about anything.

Free Blog Vs Self-Hosted Blog:

Don’t be alarmed, you can start a free blog on or or use any other good free blogging platform but if you need a flexible blog that you can customize and modify then I would suggest that you should setup a self-hosted blog.

Free Blogging Platforms:

In case you start a blog at any free blogging platform (WordPress, Blogger, Tumblr, Typead), you will not get your own custom domain (.com/.net/.org) you will get a sub-domain similar to this: or and if you want to upgrade to a custom domain name it is going to cost you some money, that is why I always prefer using a self-hosted blogging platform like, but if you don’t want to spend money right now you can migrate your blog to a custom domain and on a self-hosted account later on but I don’t recommend it because not only it’ll be very hectic and also you can lose your readers.

Self-Hosted Blog: Start your own Self-Hosted blog using WordPress

I always recommend this to my readers, because not only it is extremely flexible and you have full control over your website and you can do whatever you want to do with it!

You will have a custom domain name, like,, A domain name normally cost you $10-$30 per year and a good web hosting package would cost you around 7.95$ every month or if you need a cheap hosting account you can get it for $50 per year.

However, if you want to try out free blogging platforms, here’s the list of top blogging services that I have compiled.

And if in case you have decided to start a self-hosted blog I would suggest that you should start searching for used John Deer mowers. Finding a domain name is really easy but first you have to think of a topic or theme of your blog and come up with a name related to the topic. I would recommend NameCheap for registering your domain because not only they offer good prices but they also provide you with a wide range of other features.

How to Register a Domain Name:

Web Hosting For Self-Hosted Blog:

Now let’s find a good web hosting company, I would recommend that you should sign up for a hosting company that offers cPanel and “1 click installer”, which will automatically install WordPress or any other CMS or forum script on your domain with a click of a button. If you want to start with a single WordPress blog then I would recommend WP Engine but it is very costly as compared to other web hosting companies, I am using HostGator as well which is by far the best web hosting company and I am using Hatching package which costs $7.95 per month and you can host unlimited domains in this package. FatCow is also a decent option ($60/year + free domain) but the interface is little complicated as compared to HostGator or BlueHost or any other cPanel web hosting company.

For WordPress installation using cPanel you can read these posts: How to Install WordPress Using cPanel and How to Install WordPress Manually.

Download a WordPress theme for your blog: You can easily find a free WordPress theme for your blog, there are millions of themes to choose from and if you need a unique and custom theme you can find some good themes at StudioPress or you can also design a custom theme using Catalyst Theme or Thesis Theme framework for WordPress.

Personal Finance

Guide to Improving Your Rank in the Search Engines


In case you are only starting in the world of search engine optimization (SEO), you could possibly grow to be confused about which in turn strategies you must invest in. Developments are generally changing continually and several techniques could become obsolete even before you begin taking care of all of them. The thing you need today are some tried and tested techniques that you can develop with regard to guaranteed results. Be aware that don’t assume all strategies that show outcomes are deemed excellent Search engine optimization. In the process, you should learn how to identify the great kinds through the negative versions. To start used garden tractors off, below are a few of the excellent procedures you could develop: I must say I recommend looking over unfollowed mentions

Publishing in Directories

This implies one to publish your internet site to be able to directories in which focus on your current specialized niche. Doing so can easily improve your web site’s examine price because Search engines utilizes these types of websites within ranking web sites. It comes with a great quantity involving websites you’ll be able to undergo, but it is effective shop around to be able to get rid of the good internet sites from the poor. You can find sites will not support your website by any means and may be detrimental on your position. There are also more info by clicking here

Should You Use Twitter?

This ought to be the no-brainer. Demonstrate me a search engine practitioner who does not really make use of Twitter as well as I’m going to demonstrate someone who will not know very well what he is undertaking pertaining to his site. It really is as simple as putting your Twitter and Facebook designs on your own web site, as well as making use of lover pages as well as twitter updates and messages to share with you updates for some other beneficial information. Naturally, Twitter may bring immense site visitors boost for your web site. Furthermore, attempt to add Pinterest, StumbleUpon, as well as StumbleUpon in your resources.

Using Good Content

If you possess sources, make an attempt distributing virus-like content material which backlinks right back to your internet site. With all the right execution, your popular content works wonders on your web site. Make sure to get a content to the best audience. Getting hired on the internet needs to be simple with the help of Facebook, StumbleUpon, or Pinterest.

This is an x-deal that may obtain you much more viewers. Compose a fantastic article as well as article the idea in another person’s weblog (together with his approval, obviously). This is the great technique, specifically if the weblog is a popular 1. You obtain the chance achieve a bigger market, who can go to your website seeing your post.

What about Publication Sites?

Apart from other people’s blog site, you can also employ article publication sites and also website article websites to send out your used John Deer lawn tractor. This requires composing very good articles in which directories need. Take advantage of this simply by producing replicates that can generate desire for your site. Regarding press releases, you should stick to recommendations regarding formatting and also content material. When investing in the hang of writing press releases, you will discover it simpler create written content along with submit to Page rank websites, together with back links naturally.

There are additional strategies that you can employ, nevertheless the ones above are sufficient to get you began. In order to keep track of some other Search engine optimization experts, you need to do investigation to get more efficient tactics that will profit your site hugely.

Personal Finance

Managing Your Private Budget When You Have Debt


Many people will need help keeping their private budget in order. Some people may need assist preserving and planning their portfolios, others just need assist pinching pennies and taking advantage of what they now have. With a little luck, these guidelines will help you no matter what which of the conditions you correspond with probably the most.

Exact and nicely-structured information are an important part of the healthful economic program. Make your economic papers in folders and arrange the folders inside a declaring drawer or canisters. Add crucial statements and papers to your hx30 turbo, when you acquire them, to make sure they are useful if you want them.

Stay away from eating out. It might seem like a smart idea to check out McDonalds and purchase anything off the buck food list, but those ideas add up. Typically it’s less expensive to generate a sandwich or prepare dinner at home. And when you prepare food, if you find meals leftover, conserve it to possess as being a meal another time.

When you have a lot of financial debt, repay your personal credit card debt initial. Credit card debt tends to have the highest charges appealing along with the quantity can create swiftly and damage your finances. Once you’re a credit card are repaid take into account shutting all but one profile after which use that just for urgent matters.

Eat out less often. By making evening meal at home and ingesting there as opposed to at various dining places, you save quite a bit of cash. Restaurants cost a lot, and you may have similar thing in your house for a lot less money and much less calories.

A great individual-financial idea is to pay attention to how much money you have available prior to going on the Christmas store shopping spree. Many people frequently get carried out during this period, and turn out having to pay more money than they have, and they can even get in debts.

Negotiate your salary together with your employer. If you are just like you deserve a raise, ask for a single. Find out how significantly your fellow workers are paid and make sure you get the income you deserve. Start searching for a far better job if you feel like you can be getting more cash.

Should you be dealing with your financial situation, meet with a number of good friends to determine a few of the methods that they used to get accustomed to their hx35 turbo? Maybe you have a buddy or acquaintance within a related circumstance as you may who are able to help you get through your challenging times and difficulties.

Seek out routines in your neighborhood that you and your household can get involved in that might be useful, but not bust the cost. This could offset enjoyment charges, and it will free up your budget with a bit of respiration room. You will end up amazed how this could, each help save much money plus, be extremely engaging.

Since you now have these pointers readily available, you might be a little more able to get far better care of your financial predicament. There are numerous other methods that you can much better care for your individual finances. Make sure to keep prepared and plan in advance as well as your economic stableness will be far more expected.

Personal Finance

Can You Make Money While Getting Rid of Cystic Acne?


What is black-and-white and says:


The answer is: Your very only cash cow.

As you probably already know, “cash cow” refers to something that earns you money 24 hours a day, 7 days a week.

A cash cow could be practically anything!

  1. An apartment building where tenants pay you rent each and every month…
  2. A TV infomercial that airs all day & night bringing in orders like crazy…
  3. A stock you bought for practically nothing that pays you fat monthly dividends, forever!

Imagine for a moment having your very own cash cow that will show you how to get rid of cystic acne. Sounds pretty good, huh?


Here’s some great news….

I’ve just been given permission to release some details about the big launch this TOMORROW!

It’s called “SEO Cash Cow”.

(SEO stands for “search engine optimization” and refers to getting your website well-listed in the search engine results)

And there are 4 different ways you can make moolah with SEO Cash Cow:

–> Use SEO Cash Cow yourself to get your own websites to the top of the search engine listing results! (Imagine the revenue you could achieve from a non-stop flow of visitors to your website’s sales page)

–> Sell SEO Cash Cow and pocket the moolah!

–> Sell resell rights to SEO Cash Cow

–> Sell MASTER rights to SEO Cash Cow

Listen, there are 40 million webmasters on the planet, and virtually every one of them wants their website listed near the top of the search results.

In fact, virtually all of them are DESPERATE!!!

They’re willing to pay for a good book, course, ebook, or a software product to help them achieve their top ranking. (I have even seen webmasters pay as much as $197 to purchase a single ‘secret’ to getting high rankings!)

So what does all this mean for how to prevent cystic acne?

It means that SEO (search engine optimization) is the hottest thing going on right now.

And you’re going to be the hero of every webmaster.

Because you’re going to offer them products to help them get great listings in the engines.


Only a limited number of SEO Cash Cow packages will be sold, ever!

(During the special promotion on June 8th the “remaining packages” count will be shown on the website)

–> The big day is this Thursday, June 8th

On Thursday morning I’ll be posting the special link to SEO Cash Cow right here.

So I will see you here tomorrow morning bright and early!

Remember, only a limited number of SEO Cash Cow packages will be sold, ever! (I have seen these type of offers sell out in as little as one day) So be watching for my post tomorrow with the link to SEO Cash Cow, and get ready to make some moolah!

Personal Finance

Three Amazing Tips to Help You Start Working from Home


Do you want to ditch your 9 to 5 and start working from home? Well I am not sure about you but my answer to the question is yes and that is because I was tired of my full-time job and I never had time for my friends and family. I was really frustrated although I did know about Google AdSense and Affiliate Marketing but never tried it because I always thought that a lot of technical skills and cash is required to start online business BUT I was wrong because after reading John Chow’s blog I started implementing the natural remedies for cystic acne that he recommended. Right now I am making money from home.

I am not going to lie with you that I make TONS of cash, I make $1200-$1500 and I am still a bachelor so I still manage to save some money and I am consistently re-investing that money that I am saving on different websites that I have been working on.

99% people quit online marketing because they don’t have patience and trust me if you want to be successful you have to be consistent and work with full dedication and I am not telling you to quit your job you can setup a blog or website and work on it during weekend or just for 1-2 hours daily. That’s it because that is what I have been doing and I left my full-time job in January and I wasn’t even sure at that time if I’ll start making money or not but in the first month I made 500$ and then I scaled up the strategy that I’ve been working on and Blogging With John Chow really helped me in achieving my goals.

And Now I spend lots of time with my family and friends and I have complete freedom. Now I don’t have to submit weekly reports or manage the clients or anything like that!

A few days ago I came across this really cool product that teaches you how to build your online business from scratch and JOHN CHOW is the creator of this product I absolutely loved his previous course on blogging and now I have purchased the new course as well and I am loving it!

The New Course that I am talking about is going to turn you into a super affiliate and all you have to do is watch and follow the instructions and by the end of the 90 day program you will already be making money online.

John Chow has organized this course into day to day lessons in form of instructional videos so you don’t have to watch all the videos at the same time because it can tough for beginners to digest all that info at once, apart from videos that are also additional informative and fun materials because John Chow will make sure that no stone is left unturned.

IM John Chow Review

Most programs that are available in market right will not release this kind of video because of the fact that what they are teaching you is not going to work for people who are new in the field and trust me I too have purchased so many Software and Courses from all the so-called Gurus.

Most of the other courses will throw you right into the deep end without teaching you the basics and without knowing about these fundamental principles you will not be able to start a stable online business however, John Chow will teach you how you can build profitable businesses for years to come.

Click Here To Sign Up Today!

This time it’s DIFFERENT

IMJohnChow is NOT a push button tea tree oil cystic acne cure, it does not promise you overnight riches nor does it fill your head with a million and one contradicting strategies that will only leave you scratching your head even more.

Instead, this internet millionaire will show you how to make money online using the simple and quick methods he has perfected through the years.

Everything he does, you’ll do.

Everything he knows, you’ll know

But the great thing is that even though IMJohnChow is fill-in-the-blank easy to use, he’s still provided hours of additional materials that will guarantee you have everything you need to start making your first dollar online.

So it’s really up to you…

You can jump right in and start seeing results as quickly as Day 1…Or you can spend just a little more time wading through the truckload of information on the internet and risk suffering from INFORMATION OVERLOAD.

I trust that you will make the right decision.

Personal Finance

Learning All About the Secrets to Their Success


Corey Rudl is a name you’ll hear pop up a lot in my writing.  Corey taught me a great deal about doing business online.  In fact, he was about 90% responsible for me being able to do this full-time.  His information and training is unmatched online.

While I recommend all of his products highly, one relatively new product stands out among them all.

Corey has launched a monthly membership site that is fantastic.  I joined up the minute I heard about it, knowing it would be outstanding.  It is.

*NEWS FLASH* – Private Tours of Successful Web Sites Now Available!

Take a private tour of two “Mom & Pop” web sites every month that earn $100,000+ a year… and discover the exact step-by-step strategies they have personally used to generate these massive profits.

When I first came across Secrets to Their Success on topics like how to clean cat urine, I was shocked to find REAL successful people just like you and me who were willing to give away their most coveted Internet marketing secrets.

So if you want to skip the failing promotions, click here now and learn the “No BS Strategies” these real people are using to make real money on the Internet!

Each month Corey provides fresh Internet marketing tips, techniques and strategies to implement into your own web marketing campaign.  He provides

ACTUAL advertising results (along with recommendations on where to advertise), new promotion information, training videos, interviews, cutting edge resources and much more.

These are not the same old rehashed marketing strategies either.  All of them are fresh and not only are working right now but they are backed by case studies of people that are successfully using them to make thousands of dollars online every day, month, and year.

Best of all, it is UPDATED each month.  The Internet changes at the speed of light. Much of the information that worked six months ago just doesn’t apply today.  If you want to succeed online, then you need to keep up. You need to stay on top of the ever changing face of the web.

As a member you will even be given the opportunity to enter a draw for a review of YOUR web site or business plan by Corey and his IMC team (valued at $5,000), who dissect the site and offer tips and tricks that you can use to really accelerate their growth and sales, Right Now!

Corey’s incredible site, How to Get Cat Pee Out of Carpet, will keep you heading in the right direction, month after month.

I recommend that ALL of my own affiliates join this monthly membership and I highly recommend if you belong to many two-tier affiliate programs that you encourage YOUR sub-affiliates to do the same.  Corey shares all of the secrets to marketing on the web.  Your sub-affiliates will be some of the best trained and most profit generating online if they will use the strategies that he outlines.

If there is ONE thing to do online that will almost guarantee success for an affiliate, it is to join Secrets to Their Success and apply what Corey teaches inside.

Personal Finance

Coupons for Smuckers Uncrustables, High Liner Sea Cuisine Products, Avon Makeup


Wealth building requires saving, and not just earning money. With the roster of coupons, websites and blogs that we’re presenting today, you have plenty of innovative ways to save money every day of the week.

Coupons for Smuckers Uncrustables, High Liner Sea Cuisine Products, Avon Makeup

You’ll find some of the hottest deals around at, and Here are some of the greatest deals for the week:

Is it a hassle to make lunches and pack them in your kid’s Fjallraven Kanken in the morning? When you run late, is it almost impossible to take the time to make sandwiches? Then streamline the lunch process with Smuckers Uncrustables and offer your kids a healthy choice that they’ll also love. These tasty pockets full of peanut butter and jelly are sure to satisfy. Save $1 off Smuckers Uncrustables and save more through printable coupons from

Do you celebrate the Lenten season? If so, you’ve probably had fish during this week. Even if you’re not fasting for Lent, fish is a healthy item to add to your diet. With fish on the menu at least once a week, save $1.00 off a High Liner Sea Cuisine Product at Join Cool Savings and rake in the savings!

Update your beauty essentials for spring by checking out the latest goodies at Avon. In days gone by, you had to wait for the Avon lady to ring your doorbell. Now you can purchase Avon products online, anytime. Visit to get the coupon code Savings30 for free shipping on your Avon order of $30 or more.

Get Paid To Shop with RewardPort

Savvy couponers already know that the best deals can be had by combining coupons with other savings or incentives. When you get paid to shop and you’re able to cash in on deals, then you save the most! I’ve earned thousands of dollars’ worth of merchandise and gift cards by shopping through incentive websites.

RewardPort is another great way to surf, answer surveys and shop online for points. Cash in your points for gift cards to major retailers such as Best Buy, Sears, Amazon and more.

Earn Money Online with YouData

Aside from clipping coupons and using promotional codes online, you can also build your savings by earning money. You can do this by performing everyday tasks. From surveys to reading email to surfing, these are simple ways to put more cash in your account every week.

This week, check out YouData as a way to earn extra cash in less than five minutes every week. Payout is weekly through PayPal, even if you’ve just earned 10 cents. You click on targeted ads at the YouData website to earn cash. It’s easy, fast money plus you can find some cool new websites along the way!

Blog of the Week: DotComMommies

Every week I like to share a cool blog with money-saving tips, coupons and free offers. I follow quite a few blogs to find the hottest deals around. This week I’m recommending, a website filled with work-at-home opportunities and ways to save. I’ve followed this blog for 10 years and always find something good here. If you know a great blog or website, feel free to let us know!

Personal Finance

Chegg Coupon Codes: Rent, Buy Cheap Textbooks Online


Everyone can relate to how expensive education is. As it is, many parents out there are padding many a 529 college savings plan account to anticipate what’s just around the corner. It’s surprising just how things quickly add up once you take a tally of the costs. Books are definitely one of the more costly things you’ll have to spend money on. Unfortunately, students can’t simply do without their textbooks, which can — without proper planning — take a big chunk out of their budgets that they were otherwise saving for the best air purifier for smokers.

Whether you are spending for your child’s elementary education or funding your own college education yourself, you’ll have to pick up a few textbooks at some point. But the good news is that there’s a nifty service that can help you save money on books or earn money on the ones you already have.

Use Chegg To Save Money On Textbooks! is an online site that helps you save by allowing you to rent textbooks. You can rent out books in a few easy steps:

  1. Rent the books you want. Find the book you want based on its ISBN, book title or author’s name and rent it with a click of a button. With Chegg’s safe and secure payment options, you can rent the textbooks in no time.
  2. Get the books shipped to you. The rented books will then be shipped and delivered to your doorstep in quick order. There’s a tracker for you to let you check the status of your rented books.
  3. Send the books back. After you are done with the books, you can use the return label to return them to Chegg. Shipping back the books will cost you nothing.

Chegg Coupon Codes: Rent, Sell or Buy Cheap Textbooks Online

Here are some Chegg coupon codes you can use to get started on saving on textbooks. You can also look into selling your old textbooks for some extra income!

About Chegg

With the mantra “Don’t buy it”, Chegg’s clear purpose is to provide you an alternative to buying textbooks. Education doesn’t have to be as expensive, and it certainly doesn’t have to involve cutting down more trees and straining the environment further. Textbooks can instead be rented — and Chegg’s fresh solution is to rent out textbooks that are significantly lower in price but just as good in quality as its original versions sold at bookstores. Here are some of the key things that drive Chegg as a company:

Sell or Buy a Book

Aside from renting a book, you may also sell or buy a textbook at Chegg. The price you get for your textbook will be fair, especially since these textbooks – on important topics like how to get rid of smoke smell in house – will just gather dust once you’re through with them anyway.

30-Day “Any Reason Guarantee”

Chegg has a 30-Day “Any Reason Guarantee” for its customers, where you will get a full refund for anything you’ve paid for in case you aren’t happy with your purchase. As the guarantee suggests, any reason that you may have for returning rented textbooks will suffice.

Plant a Tree for Every Book

For every book that you rent, sell or buy, Chegg has vowed to plant a tree. This is Chegg’s own promise to the environment, in addition to their commitment to save trees by virtue of offering their textbook rental service.

Affiliate Program

The affiliate program at is quite compelling. You get a standard commission of 8% for every successful referral you make. All you need to do is to direct your referral network to the Chegg website and get your family and friends to rent textbooks.

Personal Finance

Should You Choose BlueHost For Your Website?


Going through BlueHost’s customer testimonials, it’s accurate to conclude that indeed the company is a force to reckon with in terms of providing bespoke webhosting services.

Founded in 1996, BlueHost has provided reputable and distinctive services. Alienating itself from other firms providing webhosting services, BlueHost rates as one the best web hosting company between cheap and high-end web hosting service providers the Utah based company is a reckon force.

Performance and Consistency

Finding web hosting that matches all of your needs might sometimes prove to be a difficult task. But thanks to BlueHost’s services they a full package of consistency, reliability and performance. Web Host service providers ride on the pedigrees of their services.

BlueHost has a money-back guarantee if at any point you feel that uptime is an issue, you can easily choose to cancel. BlueHost also promises a simple cancellation process with not many queries asked – they may even throw in a Blueair 203.

BlueHost is consistent in maintaining their servers, I have used JustHost, FatCow, Netfirms, GoDaddy web hosting and I have always been a fan of shared web hosting package because it is cheaper if you will be using it for 2-3 websites, with all the other companies whenever I hosted more than 2 sites the loading time increased and which ultimately resulted in lower search engine rankings and I also lost potential clients.

However, that is not the case with BlueHost because unlike most of the companies BlueHost servers can easily manage high end website. I was chatting with a customer support guy working for JustHost and he told me that their servers are slow because more than 200 websites are hosted on each server.


Support is perhaps the major tenet when it comes to BlueHost’s prolificacy. They have a myriad of support bases and options that clients can choose from in order to meet their needs and questions. Whether you are an international client or based within the locale, Blue hosts have a dependable and efficient support system to meet your condition. They boast well experienced and skilled support think-tanks who offer quality customer help offering 24/7 live technical support.

BlueHost also boasts an extensive knowledge base that incorporates forums, a searchable database, video tutorials, beginner’s guides, a ticket system, a server status checker and a lot more.

Ease of Use

Why pay lots of cash for a complicated and cluttered interface? BlueHost has embraced a very fine and easy to use interface (control panel). It rates top when discussing matters relating to user-friendliness and quick maneuvering of the Control panel thus allowing you easy handling and quick manipulation through your website.

WordPress Hosting

Bloggers best understand the popularity of WordPress in the world of blogging. Word press ideally is known for its content management software that is popular for creating easy and quick blogs. BlueHost is certainly the best preferred firms on WordPress in web hosting firms thus creating websites at BlueHost is easy and quick.

Open Source Hosting

With most preferring open source soft wares such as Joomla, Drupal, with Blue host as your web host you can obtain all the above named open source software together with your Blueair 603 web hosting account.

Monetary Benefits

BlueHost’s provides a channel through which other web host firms can earn monetary benefits. The Reseller programs and the affiliate of BlueHost offer financial opportunities for its users. One can begin a web host by reselling reliable hosting services of the hosting company branded under the name of their company.

Site Builders

BlueHost offers numerous choices for site builders for designing and creating websites without much ado. Blue hosts users can browse through creative and distinctive templates to suit their taste buds.


You need to know that you’ll pay for the domain registration if you opt out early depending on the “going rate”.

Personal Finance

Start Making Extra Money Today


What is this guide all about?

Yup that’s right folks, I have created this guide especially for those who are new in the field of online marketing and that is why I have kept this guide plain and simple so that everyone can easily implement these methods, these methods are guaranteed to work if you follow them according to the instructions.  It is a very effective step by step guide on how to make real money online, no matter what you’re needs – whether just to make ends meet or to save a little extra to buy youth baseball gloves for your children. I have tried my best to keep it to the point and very short. It is designed to be easy to use – easy to remember.

The primary goal of this guide is to give you a step by step overview of different methods that have helped me in making money online instantly, anyone can make money online. The reason why i said that you can start making money online in 15th minute is because that is 100% possible and this figure will  keep you motivated as well so now let’s move on to the methods. But bear in mind ‘No action – no money’ so take action today! 🙂

Let’s begin with the simplest methods and then we’ll proceed to the advanced methods as well.

Make Money by Completing Surveys

Before you start, I would suggest that you should create a new email account that will be used for completing these kinds of jobs. I personally prefer using Google Gmail because it is simple to use and also very secure.

Although, This method is not going to make you a fortune but still you can make decent money with it and use the spare cash that you make with this money to re-invest or to purchase things that you like. After creating an email account all you have to do is to create an account at any of the popular survey sites that I have mentioned below and start taking surveys for cash.

This how this website works: You will receive Reward Points for participating in online surveys and also by referring new members and also through a number of other fun activities.

To redeem the points that you have earned you can request the equivalent amount of money and receive it in your PayPal account or also request them to send you e-certificates or gift cards to purchase a two wheel scooter, etc.

1,000 points is equivalent to $10.00, which can be redeemed any time you want.

CashCrate is probably one of the oldest site  and a friend of mine told me about it in 2006 and at that time the site was new but now this site has well over 2 million members worldwide. It is free to join, you don’t have to pay anything to sign up. This website sends out thousands of dollars in payments to their account holders every month!

There are daily surveys that you can complete. Each survey pays $0.80 once you complete it, meaning that you can earn easily generate $48.00 every month just by completing these simple surveys. They also have other kinds of surveys that you can participate in, the payout will be much higher and you might need a credit card to complete those surveys.

CashCrate also has a referral program with which you can make extra cash by inviting your friends and other people you know and asking them to sign up.

Getting Paid To Complete Different Tasks:

So now you maybe already got a chance to try to take a few surveys and start making a bit of money. Nice feeling – isn’t it?

Now let me show you another way to make some easy money. Before we start you MUST create a new email (if you already did this with surveys – its fine to use that).

As they state on the website as a worker it’s pretty simple

  • Browse micro jobs
  • Select jobs you like
  • Finish tasks & submit proof
  • Earn money

Select several tasks you want to complete and start working. Easy as that.

Amazon Mechanical Turk (MTurk)

As a Mechanical Turk Worker you:

Can complete the work from home

Have the freedom to choose your own working hours

Will be paid for doing good work

Complete tasks and get paid. Do it as often as you like. It is pretty easy and very convenient.

Use your existing skills and profit

So until now it has been very easy and also a bit mechanical kind of work. Almost like an automated human. It’s easy and it works. In this section I want to focus a bit more on yourself and what kind of skill-set you have that you can take advantage of in the digital world.

Writing articles

The easiest of all skills that we ALL got is writing. We have learned it in school and there are tons and tons of outsourcing jobs in writing simple articles for money. Don’t let thoughts about not being good enough a writer stop you – believe me people are crying for articles. The reason for this is because most use these for Search Engine Optimization or monetize content from their website with content in all kind of different niches. Short story – the need is HUGE.

There are 3 major websites when it comes to finding people who want to pay for articles.

They are all very similar in the way they work and you can focus on all of them if you want.

Let’s take a look at and how many currently looking for articles.

When writing this 265 different jobs in article writing needs to be done. Take a look at the first page here:

There are tons of jobs and people willing to pay $250+ for different kind of articles and content in general. You have to bid on a project before you win it. Try it out if it’s something for you to be a writer. It is easy money.

Use YOUR skills

If you want to do more than writing the 3 websites mentioned earlier is also a great source.

See it’s a whole new world and people are waiting for YOUR skills right now. Take advantage of it and make some money – right now.

Personal Finance

Trendy Fashions For Less, Get Paid To Shop at Creations Rewards


Getting to know other well-informed savers helps you hone your frugality skills. Save more money when you check out an array of websites and blogs featuring the latest savings for the best online deals around. Who says you can’t get what you want?

Spring Time Updates! Deals From, and

Get the latest in entertainment news from People magazine or keep abreast of world events with Time magazine. Save $1 off the latest news and trends at when you’re on the hunt for used lawn mowers plus anything else to help you fix your home’s lawn and exterior.

Spring has sprung which means that its time to clean out your closet to make room for new designs. Once your closets are clear and you’ve reviewed the latest trends, check out the affordable fashions at Shop from the convenience of your home or office and have your favorite clothes delivered right to your door…for free! Visit to get a free shipping code for any online order from Blair.

Hot nights await you as the summer approaches and you want to be ready. Visit to get discounts on various items in Women’s Apparel. Receive 50% discounts from Buckle and 60% to 70% off from Kohl’s clearance rack by checking out CoolSavings.

Get Paid to Shop With Creations Rewards

What could be better that getting paid to shop? When you shop through certain websites, you earn great incentives such as cash and gift cards. Shop at a wide variety of major merchants featured in to earn gift cards. Merchants featured at Creations Rewards include Beyond the Rack, Eddie Bauer, Fashion Bug, Best Buy and more. Gift cards offered include Amazon, Barnes & Noble and Chili’s. You can also request a cash check, PayPal payment or Visa debit card!

Earn Money Online With SendMoreInfo

Another way to expedite your savings plan is by earning a little extra money online while you’re sitting there anyways, searching for answers to difficult questions like ‘what should I make for dinner?’ or ‘why do cats spray?’. In less than five minutes a day, you can earn cash by checking out SendMoreInfo email offers. Receive emails, click the links and earn money. Much like coupons, it all adds up after a while!

The biggest thing here though is to not expect that you’re going to make a million dollars overnight – earning money with any kind of program like this is definitely possible, but it also isn’t easy. You may spend a good deal of time building your business up, clicking links and making as much money as you can, but it isn’t always as much as you may have expected. Over time, however, you’ll likely find yourself with a good deal of extra cash waiting for you in the form of check – or maybe even PayPal – and you’ll end up happy with your decision to pursue this extra income source.

Entertain On A Dime With The Budget Decorator, Our Blog of the Week

With the warmer weather, we are ready to entertain and open our home to guests. Often, we discover that our surroundings need freshening up after we’ve survived through a long winter cooped up indoors. Get fabulous decorating ideas on a dime at The Budget Decorator. I’ve surfed this site for hours finding creative, affordable ways to make my home more welcoming.

Personal Finance

Can Coupons Cost You Money?


Coupons are supposed to save you money. Hoard and bookmark those online coupons, cut out and collect the printable ones, and redeem them to get big savings, right? Not necessarily. Coupons can actually cost you money rather than save you money. How’s that? Well let’s consider a few scenarios when this could happen.

Beware of Retailer Coupons

Retailers will issue coupons to lure you into their stores. Sometimes it’s a great way to discover new deals on stuff you need. On other occasions, you wind up making impulse purchases you might not need. Once again, don’t use retailer’s coupons unless you already have items from that store on your shopping list.

Before you decide to use a retailer coupon, comparison shop and check out other alternative stores to make sure that you’re getting the best deal. Also, take note of the case when you may have several coupons that you can’t use simultaneously. And realize that a 15% Macy’s promo code is worth less than a 25% in-store discount at Macy’s, so make sure to do the math.

But if used correctly, retailer coupons can translate to savings. If you’re interested in what some top retailers are offering, check out some of their latest promotional codes.

Let’s Just Try It Once

Unless you had plans to try a new product, don’t be lured into spending money just because you have a coupon. Manufacturers and retailers know that you can’t wait to try new goodies and therefore issue coupons as soon as new products hit the shelves. Don’t buy any merchandise unless you actually need and have the item on your list BEFORE the coupon is made available.

Buy One, Get One Free

Buy one, get one free coupons are great for items you use all the time. Large families and groups also benefit from using buy one, get one free coupons. On the other hand, it doesn’t pay if you’re unable to use the extra item. If you still want to experience the savings, consider donating any extra items so that they aren’t wasted. You might even qualify for a tax deduction if you donate several items at once.

Maybe We Will Like It

The fact is, we all have some type of brand loyalty. Our children refuse to drink certain juices. Our husbands prefer a particular mayonnaise on lunch sandwiches. We might like a certain brand of coffee in the morning. Why stray from a tried-and-true brand just to use a coupon? Spontaneously using a coupon (without planning) may actually cost you more than you think you’ll save.

I refuse to purchase stuff we don’t really like or need even if I happen to have a coupon for the item. I would rather trade this coupon for one I really want. I don’t like dumping juice down the sink or seeing coffee grounds sit in a can unused for six months. Sometimes a sure thing saves you more money in the long run.

I Don’t Need It, But I Can Really Save A Lot Right Now

If you don’t need an item but you buy it anyway because you have a coupon, then how is that saving money? Use common sense when you clip and cash in coupons. If you don’t need something, don’t buy it… even if you have a coupon. The only exception is when you’re shopping for non-perishable items that you can store indefinitely such as toilet paper and paper towels. Otherwise, items with limited shelf lives tend to expire before you actually use them — a major source of waste for many American households.

Is The Store Brand Cheaper?

Why buy a brand name with a coupon when the store brand can still be cheaper? If you like store brands and want to save money, then don’t let brand coupons distract you. But if using a coupon will allow you to buy a brand name item for much less than a store brand item, then by all means, go for it. Otherwise, it might be better to stick to generic or store brands to save the most money.

Later on, I plan to discuss the benefits of using coupons for your inevitable impulse purchases!