Does Anybody Ever Really Make Money Online?

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

How To Deal With Your Small Business Finance Needs

One of the most challenging and time-consuming tasks for any business owner is to finance even a small business. While it is considered an essential part of running and expanding a business, it should be done properly and carefully so that it won’t hinder the establishment of the business as a whole. Small business finance is basically the connection between cash, value, and risk. Maintaining the balance of these three factors will ensure the good financial health of your business.

The first step that a business owner needs to take is to come up with a business plan as well as a loan system which comes with a well structured strategic plan. Doing this will certainly result to concrete and sound finances. It is of necessity that prior to your financing a business, you figure out what exactly your needs are in terms of small business finance.

In trying to determine your business’ financing requirements, keep in mind that you have to have a positive mindset. As the owner of the business, you should be confident enough in your own business that you will be willing to invest as much as 10% of your small business finance needs from your own pocket. The other 30% of the financing can be from venture capital or other private investors.

In terms of the private equity aspect of your business, you would want it to be around 30 to 40 percent equity share in your company for a period of at least three years and a maximum of five years. But of course, this will still be dependent on the value of your small business along with the risk involved. Maintaining this equity component in your company will assure you majority ownership of the business. As a result, you will be able to leverage the other 60 percent of your small business finance needs.

It will also be easier to satisfy the remaining financing needs of your growing business. You may opt to get the rest from a long-term debt, inventory finance, short-term working capital, and equipment finance. Remember also that as long as you have a steady cash position in the business, many financial institutions will be more than willing to lend you money. In this respect also, it is recommended that you get an expert commercial loan broker who will do the selection of your financing options. This is also a crucial stage as you would want to find the most appropriate financing offer to meet all your small business finance requirements.

These are just some of the important considerations that need to be taken when financing a small business. There are, however, so many business owners who do not pay enough attention to these things unless their business is in crisis. As a business owner, what you should keep in mind always is how you can grow and expand. Therefore, have a small business finance plan as early as possible so that you can make sure that every financial aspect of your business is in good condition.

Troy Burton is a financial analyst who enjoys writing about debt consolidation ser

Different Ways to Get Financing For a Boat

There are different ways that you can get financing for your very own boat. A lot of people are actually shocked to first discover that they can obtain boat financing in much the same way that they can get it for their new car. As with car dealers, dealers as well as bankers are there to help you get reasonable financing so that you can make your goal of having your own watercraft a reality.

First of all, you can get financing straight from your boat dealer. This is usually the most common way that boat owners obtain their financing. One of the reasons that they finance their boat through their dealers is because there is a host of advantages to doing so right off the bat. The biggest advantage has to be that a boat dealer will have a lot of various financing options on tap for the boat buyer. This includes access to a lot of finance sources and even special dealer or manufacturer finance choices. In fact, a lot of dealers offer special finance programs that make it very easy to help you finance your watercraft. This means that if you are in the market for a new watercraft, you ought to be going up to your dealer and specifically asking him about the availability of these special finance opportunities.

Getting an actual loan for your watercraft not from your dealer is another way to get your boat financed. The organization that you will have to approach for this aim is the NMBA, better known as the National Marine Bankers Association. This organization not only comprehends the boat business, but they also are comprised of marine lending specialists who will be sympathetic to your needs as a new boat owner. This Association has a good reputation for offering people very competitive financing options. The reason that they have this favorable reputation is due to the fact that they have made loans for watercraft a very important part of their own business.

A creative way of financing your watercraft is simply to do it entirely by yourself by paying with cash for your own purchase. While this option is generally not recommended only because getting your watercraft financed through a lender is a lot less expensive, it is still an option that is available to you and, thus, worth considering.

If you are in the market for a new watercraft, you are going to be confronted with a few different ways of getting it financed. Essentially, the two main ways of accomplishing this are either by going directly to the dealer from whom you will be purchasing your new craft or by going to an organization such as the NMBA. Now, both of these sources have their own, distinct advantages, so you may want to check out both options equally. Lastly, you can technically also choose to put up your own financing for your watercraft by paying cash, but this is not recommended since it is more expensive.