http://earnxtracash.net/blog Sat, 02 Jan 2010 21:25:48 +0000 http://backend.userland.com/rss092 en Want to know how to sell on Auction sites like eBay, Amazon, and the like? Need products to sell? Why don't you do what thousands of eBay users are doing today and that is dropshipping. Don't know what drop shipping is? [ad#ad-2] Drop shipping is a supply chain management technique in which the retailer does not keep goods in stock, but instead transfers customer orders and shipment details to either the manufacturer or a wholesaler, who then ships the goods directly to the customer As in all retail businesses, the retailers make their profit on the difference between the wholesale and retail price. Many sellers on online auction sites, such as eBay, also drop ship. Often, a seller will list an item as new and ship the item directly from the wholesaler to the highest bidder. The seller profits from the difference between the winning bid and the wholesale price, minus any selling and merchant fees from the auction site. A seller is permitted to list items that are currently not in his/her own possession, provided that he/she follows eBay's policy on pre-sale items. Benefits Two significant benefits of drop shipping are the elimination of upfront inventory and a positive cash-flow cycle. A positive cash flow cycle occurs because the seller is paid when the purchase is made. The seller usually pays the wholesaler using a credit card or credit terms. Therefore, there is a period of time in which the seller has the customer's money, but has not yet paid the wholesaler. Drop shipping also eliminates some duplication of effort, since only one warehouse will pick, pack and ship the product. This approach can reduce total inventory management and shipping costs. These cost reductions can subsequently reduce the price to the consumer. How to get started Start your drop shipping business today and start listing products immediately on eBay and Amazon. Products such as DVD's, Electronics, MP3 Players, Digital Cameras, Apparel, Books, Computer Software and Computer Accessories, Kitchen items, you name it the sky is the limit. To get started click on the link below and follow the online process, don't wait until tomorrow, start making money online today. The price you pay today is minimal to the earnings you will make tomorrow. http://earnxtracash.net/blog/?p=113 One of the ways to make money from home is to post ad's on free classified sites. You can can either sell your own products, or make money from Google's adsense program. Once you set up an account with Google to publish ad's on your sites goggle will place (based on site keywords and content) relative ads pertaining to your site. You than get paid by Google for the amount of clicks the ad's get. You need to follow Google's rules and algorithms to be paid. Once you earn over $100 Google will then send you a check in the mail for all the hard work you did in earning the money. People earn lots of money by posting ad's to sites. If you choose this method save yourself alot of time by reading carefully the tips I outline below. Keywords and Content Placement of ad's Color of ad's Multiple IP's PVA's (phone verified accounts) E-Mail accounts Time of day to post Multiple posts [ad#ad-2] Of the items I outline above, if you are seeking to post free classified ad's in multiple locations, save yourself a lot of time by creating your own elite private proxy's. This will allow you to change and create and unlimited amount of IP's which is needed to remain anonymous to these sites. To get an idea watch the video below ip tracking [1] By creating a elite private proxy will not only save you time it will help you make more money. You can learn how to create your own private proxy's by either an e-book or you can have us create it for you. Remember this is only one part of the puzzle in making money from home. I will discuss other parts of the puzzle in future blog posts! [1] http://earnxtracash.net/blog/wp-content/uploads/2009/12/ip-tracking.swf http://earnxtracash.net/blog/?p=95 Work At Home Business Opportunities Starting a work at home business is not tedious and the rewards can lead to financial independence. In fact, there are many advantages in starting a home based business. You can enjoy the fun of working in a home [1] atmosphere and can work at your convenient schedule. But running an own business requires lot of dedication and effort. You must know how to manage time for work and family. However, your hard work and effort would be rewarded well. Before starting a work at home business, consider the following: Whether you would have the freedom to choose when and where to work? Whether the home business would allow you continue your current job and work at home? Would the business require publicity or gimmicks? Would the home business require heavy investment? Are there any risks in starting a home business? Do you have complete training and support to improve the home business? Do you have acquaintance with any successful home business owner who can help as a mentor to you? If your answer is positive to most of the above questions, you can start work at home business. Another important consideration in starting a home business is to do what you are really passionate about. This is because of the fact that you can put greater effort without any difficulty because you really love it. Starting a child day care center, candle business, decorative gift baskets, wall paintings, fashion jewelry, photography, party rentals and some other home business is really inexpensive and straight forward. However these businesses may be time consuming and require lot of effort. But once your business is up and running, you can get better rewards for your efforts. If you have a pc at home with an internet connection, your home business opportunities are vast. You can start work at home internet business if you have adequate knowledge and excellent communication skill. You can start your own online dating site which can provide more profits from every member that joins you site. However you would need some investment [2]. The dating website can earn you handsome profits when members subscribe for premium membership and when existing members renew their membership. The main benefit of this business is that you need not have any previous experience for this. The Government will Give You Free GRANT MONEY [3] to start a Home Business and in Most Cases you don't pay it back. You can start work at home business if you want to enjoy the fun and freedom of working at home. However take the time to get an organized plan for your business. This helps you speed up and improve your home business. You can allot a room in your home for business purposes. Then arrange the essential things like a chair, computer, cabinet, phone etc. A comfortable chair is very important if you have to work for hours at the computer. Also consider filing the essential paper work in a cabinet. Keep it organized! If you need to spend more time on your home business, then schedule your household routines accordingly. Time management is very important to start a home based business. You need to have the ability to prioritize your work so that you can achieve success. [1] http://earnxtracash.net/workfromhome.html [2] http://earnxtracash.net/freegovernmentgrantmoney.html [3] http://earnxtracash.net/blogarticles/governmentarticlesmain.html http://earnxtracash.net/blog/?p=80 Checklist Tool for Consolidation [1] Student Loan Consolidation The Higher Education Reconciliation Act of 2005 eliminated the provision that allowed a FFEL or Direct Loan borrower who is enrolled in school on at least a half-time basis to request to enter repayment early on his or her Stafford Loans if the lender approves. Repayment is now defined as not beginning until 6 months and one day after the date the student ceases to carry at least one-half the normal full- time academic workload, as determined by the school. Therefore, a FFEL or Direct Loan borrower who is still enrolled in school at least half-time may no longer request to enter repayment early to apply for a FFEL or Student Consolidation Loan. To apply for a Student Loan Consolidation or an FFEL Student Loan Consolidation the borrower must contact the lender and complete an application. Most lenders provide borrowers with the ability to apply on-line or request an application over the telephone. Once an application is completed and submitted, the lender will request information from the borrower’s other lenders or from its own system to determine the amounts outstanding on the borrowers loans. The borrower will then receive notification about the student consolidation loan, normal consumer disclosures, the amount owed, and if appropriate, where to make payments. FFEL Student Consolidation Loan Weighted Average Interest Rate Consolidation interest loans have fixed interest rates that are based on the weighted average of the interest rates on the loans being consolidated. A lender can provide a new consolidation loan borrower with the lowest statutory weighted average interest rate for loans by using the lower of the weighted average of the interest rates on the loans being consolidated as of July 1 or the date the lender received the borrower's consolidation loan application. The lender should apply a consistent method of determining when an application is received. Most federal student loans for education are eligible for consolidation of the student loan, including subsidized and unsubsidized Direct and FFEL Stafford Loans, SLS, Federal Perkins Loans, Federal Nursing Loans, and Health Education Assistance Loans. PLUS Loan borrowers (parent and graduate/professional degree students) can also consolidate their loans. Private education loans are not eligible for consolidation. To obtain a complete list of the federal student loans that can be consolidated contact the Direct Loan Origination Center's Consolidation Department if you’re applying for a Direct Consolidation Loan. You can reach them by calling 1-800-557-7392. TTY users may call 1-800-557-7395. Or visit loanconsolidation.ed.gov [2]. contact a participating FFEL lender if you’re applying for a FFEL Student Consolidation Loan. If you do not know who your FFEL lender is, please call 1-800-433-3243 for assistance. Eligibility rules All FFEL and Direct Stafford Loan borrowers are eligible to consolidate after they graduate, leave school, or drop below half-time enrollment. PLUS loans are eligible for consolidation once they are fully disbursed. Borrowers who are delinquent or in default must meet certain requirements before they may consolidate their loans. Contact your loan holder for more information. To be eligible for a William D. Ford Student Consolidation Loan, you must have at least one of the following: A Direct Stafford subsidized or unsubsidized loan that will be included in the Student Consolidation loan; or Have at least one Federal Family Education Loan (FFEL) program Stafford subsidized or unsubsidized loan. If your current loan holder does not offer a Student Consolidation Loan or a Consolidation Loan with Income Sensitive Repayment terms acceptable to you, and you are eligible for Income Contingent Repayment, you may apply for a Direct Consolidation loan. In addition, if you have more than one FFEL loan, you may apply for a Consolidation Loan with any of your FFEL loan holders or through the Direct Consolidation Loan Program. Borrowers who obtain a Student Consolidation Loan or a FFEL Student Consolidation Loan while they are in the grace period on any loan that will be included in the new Student Consolidation Loan, or who will include one or more Perkins Loans in the new Consolidation Loan, are advised that the grace period on those loans will be immediately terminated (e.g., you will lose the benefit of having a grace period before repayment would begin). Note that borrowers with one or more Direct Loans, including Consolidation Loans, can also consolidate under the FFEL Consolidation Loan Program if they choose. Interest rate The interest rate for FFEL and Direct Consolidation Loans is set according to a formula established by federal statute. The fixed rate is based on the weighted average of the interest rates on the loans at the time you consolidate, rounded up to the nearest one-eighth of a percent. The interest rate does not exceed 8.25 percent. The consolidation rate is fixed for the life of the loan, which protects you from future increases in variable rate loans but prevents you from benefiting from future decreases in variable rates. Borrowers with Stafford Loans issued on or after July 1, 1995, can reduce the consolidation rate by up to half a percentage point or more by consolidating before the end of the grace period. The interest rate you would receive, however, depends on which federal student loans are being consolidated. For example, your rate would be higher if you consolidated a 5 percent Federal Perkins Loan along with a 6.62 percent Direct or FFEL Stafford Loan. For the new interest rates in effect from July 1, 2008 through June 30, 2009 for variable rate Direct Subsidized Student Consolidation Loans, Direct Unsubsidized Student Consolidation Loans, Direct PLUS Student Consolidation Loans, Direct Subsidized Loans, Direct Unsubsidized Loans, and Direct PLUS Loans click here [3]. Obtaining a Student Consolidation Loan For a FFEL Student Consolidation Loan, contact the consolidation department of a participating lender for an application or more information. (Your parents should do the same thing if they want to apply for a FFEL PLUS Student Consolidation Loan.) For Direct Loans, you (and your parents, for a Direct PLUS Consolidation Loan) can contact the Direct Loan Origination Center’s Consolidation Department at the Web site given above. Note that if your parents want to apply for a FFEL PLUS Consolidation Loan, no credit checks are required. If they want to apply for a Direct PLUS Consolidation Loan, they are subject to a check for adverse credit history. Repayment period Repayment of Student Consolidation Loans begins within 60 days of the disbursement of the loan. The payback term ranges from 10 to 30 years, depending on the amount of education debt being repaid and the repayment option you select. Education loans not included in the Consolidation Loan are considered in determining the maximum payback period. You may elect to repay your loans under a shorter period than the maximum allowed. All the FFEL repayment plans are available to FFEL Student Consolidation Loan borrowers. For Direct Consolidation Loan borrowers, most of the Direct Loan repayment plans are available, except that Direct PLUS Student Consolidation Loans are not eligible to be repaid under the Income Contingent Repayment Plan and might not be eligible for some discharge/cancellation benefits. Check with the holder of your loan. You can also read more about repayment plan choices in the Repaying Your Student Loan section of Funding Education Beyond High School: The Guide to Federal Student Aid, click here [4] to access the publication. Fees - Borrowers who consolidate will not pay any application fees or prepayment penalties. Credit checks - Under FFEL Consolidation Loans, no credit checks are required, even for PLUS borrowers. Under Direct Loan consolidation, PLUS borrowers are subject to a check for adverse credit history. Always Consider the Cost You should keep in mind that although consolidation can simplify loan repayment and lower your monthly payment, it also can significantly increase the total cost of repaying your loans. Student Consolidation offers lower monthly payments by giving borrowers up to 30 years to repay their loans. So, you'll make more payments and pay more in interest. In fact, in some situations student consolidation can double your total interest expense. If you don't need monthly payment relief, you should compare the cost of repaying your unconsolidated loans against the cost of repaying a student consolidation loan. You also should take into account the impact of losing any borrower benefits offered under non-consolidated repayment plans. Borrower benefits, which may include interest rate discounts, principal rebates, or some loan cancellation benefits can significantly reduce the cost of repaying your loans. Once made, Federal Student Consolidation Loans cannot be unmade. That's because the loans that were consolidated have been paid off and no longer exist. Take the time to study your consolidation options before you submit your application. This checklist [5] has been designed to help you determine whether and how you should consolidate your Student loans. [1] http://studentaid.ed.gov/PORTALSWebApp/students/english/loanchecklist.jsp?tab=repaying [2] http://loanconsolidation.ed.gov/ [3] http://ifap.ed.gov/dlbulletins/attachments/DLB0818Attach.pdf [4] http://studentaid.ed.gov/students/publications/student_guide/index.html [5] http://studentaid.ed.gov/PORTALSWebApp/students/english/loanchecklist.jsp?tab=repaying http://earnxtracash.net/blog/?p=64 Work at home jobs [1] and businesses are not at all new concepts. Child day care center, catering business, cake preparation and so on are some of the work at home businesses which are in existence for number of years. However, work at home jobs are increasing nowadays with the advent of internet. Work at home online [2] provides you numerous opportunities and so you can select your suitable job easily. To start work at home online job you need to have a computer with internet connection and a phone. You need to have some basic computer knowledge and ability to access the internet. Some of the home based online jobs are discussed below: [ad#ad-2] Home based agent is someone who works from home office, collecting and providing customer information, answering their questions, resolving issues, providing customer care, replying their email and so on. Most of the companies have difficulty in accomplishing customer service tasks up o their satisfaction. Hence they are willing to pay home based agents who care for customer service. In fact home based agents earn more than that of traditional customer service agents [3]. Work at home online customer service jobs not only benefits the employees but also the companies hiring them. Apart from quality service, the company can also save money in office rent, equipments and so on. Virtual assistants are yet another online work at home job. Virtual assistants provide administrative and clerical services to the client company and get some compensation for their service. They also provide technical or creative support to the companies. A virtual assistant should have some educational qualification and experience. If you want to join as a virtual assistant, then you can search the internet for the list of companies looking for virtual assistants. Online tutor is yet another online home based job which requires some skill and educational qualification. There are some internet based companies that offer help to students of various ages in various subjects. If you have adequate knowledge in advanced math, science or language, you can join any of these companies as an online tutor and can earn big income. Most of the online tutor companies provide flexible hours and so you can work conveniently in your own timings. Data entry processing [4]is becoming one of the most common work at home jobs. You need to fill out the forms provided by the company hiring you through online. Each form requires only a few minutes to complete and so you can earn up to $300 per day. Since most of the companies are in tremendous need of data entry processing employees, they are ready to pay smart amount to home based workers like you. You would not require having any experience for getting this job. Most of the companies provide online training that would not be more than one day. Medical transcription is yet another excellent work at home online job which requires some special qualification. It is important for a medical transcriptionist to understand the medical terms. Most of the companies prefer to hire experienced candidates for this work. You need to transcribe and edit the records and send it your company. It is also important to have a good command over English language. Though little effort is required for this job, you can earn good income. Work at home online jobs are beneficial to stay at home parents, disabled people, retired persons and college students [5]. You can also earn full time salary provided you are ready to work for full time on regular schedules. You can also enjoy health benefits, pension and so on from the company in an online home based job. [1] http://earnxtracash.net/workfromhome.html [2] http://earnxtracash.net/maximumpaidsurveys.HTML [3] http://earnxtracash.net/workfromhome.html [4] http://earnxtracash.net/workfromhome.html [5] http://earmxtracash.net/workfromhome.html http://earnxtracash.net/blog/?p=60