Get an automatic pay raise at work without asking

If you're leaving an employer match to your 401(k) at work on the table, you're denying yourself an automatic pay raise.

I saw a stat from benefits company Hewitt that found almost one in three people are eligible for an employer match in their 401(k) but don't take advantage of it.

Here at the radio station, our employer offers a match of 50 cents on every dollar up to the first six percent you sock away. I cannot believe how many people don't contribute a cent to their 401(k) at work. Why would you give up a raise at a time when you can't scare one out of your boss?!

Think of an employer match like a bribe to get you to save money. I want you to take the bribe.You'll also be happy down the road that you put that money aside because it will be there to grow for you over the years.

My executive producer Christa started saving in a 401(k) at work when she was 22 at her manager's suggestion. Now she's sitting on a nice nest egg in her late 30s.

If you feel you couldn't possibly do a 401(k) because there's no room for any savings, I want you to start by saving just one percent. Then, six months from now, bump your contribution up by just another one percent. After five years of that, you'll be saving 10% of your pay before any employer match!

But by doing it one percent at time, you won't notice the difference in your paycheck because it's all little baby steps.

cool littlejobshop.com has simple jobs for extra cash..

I Need 50 Short YouTube Videos Downloaded For $10 (by chris)

I Need transcription For $5 (by kevin)

I Need 3x3 garden shed put up For $5 (by Natalie88)

I Need to advertise my website www.jobsdecade.com For $10 (by amitchouhan)

I Need customers who want to rent a car in dubai, uae For $5 (by dubai1978)

I Need hand-written equations to be ported to LaTeX For $5 (by Formulas2LaTeX)

I Need hand-drawn figures to be ported to Adobe Illustrator For $10 (by Formulas2LaTeX)

I Need my small website to test For $5 (by btneeraj)

I Need Web Programming For $5 (by udaysingh)

I Need employee For $5 (by bhaskar)

I Need a verified paypal account For $5 (by isabel)

I Need real introductions to quality hypnosis clients For $5 (by keithanthony)

I Need 2000 word essay done on Quantum Physics for For $10 (by ncscash)

I Need a logo for LDK Sportscards For $5 (by lauireds)

Hits4pay.com getting paid to post ads

What is Hits4Pay?
This is a site that I cam across a long time ago. At first, I was very weary of the site’s legitimacy, but since they changed their design, it looks a lot more professional and user friendly. Hits4Pay is a website that allows you to earn small increments of money by reading advertiser’s ads. These ads are sent to your email and you read them through Hits4Pay.com.
How’s the pay?
The fact that led me to sign up with them was the free $10 they give to you for just signing up. It looks like now they are offering $5. That money definitely comes in handy with a site like this because you aren’t going to make a lot of money with it. I think the pay range per email ad read varies since I know I have read some that are 0.04 cents and some that are 0.02 cents. In any case, the pay is low; however, you could have X amount of email ads sitting in your account and it can definitely add up.
Is it going to take me forever to cash out?
It really depends on the availability of email ads and also your diligence. I haven’t kept up with it for a while, but I am getting back into it. I definitely could have made payout if I paid more attention it, but when I signed up with Hits4Pay.com, I had many other things going on in my life. The cash threshold is $25 and payments are made via PayPal between the 15^th and 25^th of each month. If your account has less than $25, then that amount is rolled over onto the next month and will continue to do so until you reach $25.
You Can Increase Your Earnings With Referrals!
This information is directly from Hits4Pay.com FAQs regarding referrals:

1. You will earn up to $0.02 for each email that you personally read. During advertiser promotions direct earnings will be $0.01 per validated email.
2. You will earn $0.01 for each validated email that your direct referrals read.
3. You will earn $0.01 from each validated email that your direct referral’s referral reads.

And when you visit your account page to look at your referrals breakdowns, it will resemble a structure like this:
Hits4Pay’s compensation plan is a two level plan. That means…

1. Direct Earnings: You earn up to $0.02 for each email that you validate. During advertiser promotions direct earnings will be $0.01 per validated email.
2. First Level: You earn $0.01 for each email that your direct referrals validate.
3. Second Level: You earn $0.01 from each validated email that your direct referral’s referral reads.

There are guidelines to follow when promoting your referral link:

1. No Spamming Of Any Kind – Please do not use unsolicited email marketing to promote hits4pay. We take SPAM complaints very seriously. If you are not sure what SPAM is, please educate yourself by reading the current SPAM laws here.
2. No Multiple Accounts - Please do not create multiple accounts. We monitor all accounts carefully before approval. Only one account per household. Do not sign up from a Internet Cafe or local library.
3. No False Advertising – Misrepresenting a company and it’s program is illegal.Hits4Pay is NOT:
   - an employment opportunity.
   - a get-rich-quick scheme to make money. 
   What Hits4Pay is:
   - a way to earn some extra cash by viewing email ads from our advertisers.
4. Do Not Charge A Fee For Hits4Pay Membership - Hits4pay is completely free for anyone to signup. Members are not allowed to charge a fee to introduce hits4pay.

So, this opportunity is not something where you can depend on it fully, but like many other cash reward sites, you can earn a little here and there. I really like opportunities like this because I am always making money in some way.

Please Note: There is a referral link in this post.

Can you Make Extra Cash by Ad Posting?

If  you have ever visited a work at home forum, then you have seen these types of threads. Individuals are looking for people to post ads for them on various sites. The most popular site is probably Craigslist, although there are other reputable ad listing sites out there. It doesn’t take a rocket scientist to figure out the whole ad posting scene. You simply post an ad and you’ve made an extra couple of bucks. There are things to look out for when inquiring about these types of positions:

• Are you promoting spam? Recently, I started an online business relationship with a person who wanted me to post ads on Craigslist. It was a good deal, but the ads looked so weird. Most of them didn’t make any sense, the English was horrible and I kept thinking who the hell is going to click these? Just be careful when selecting which clients you want to post ads for. In all honesty, I really don’t care what the ad looks like or what it is for as long as I get paid. Now, if the ad was completely vulgar or went against my personal beliefs, then that is a different story.
• Never use your personal email address! I learned a long time ago to never use my personal email address on Craigslist. Even if it was from ad posting or me personally wanting to sell something, you will or can be bombarded with spam and these types of emails can be harmful. Consider making a new email address specifically for the ad posting position with Yahoo or Gmail to protect yourself.
• Follow your instinct. This one is simple. If your gut is telling you something is off about the person or the ad itself, then simply walk away from the opportunity. Even though ad posting isn’t going to make you rich, dealing with a difficult individual who won’t pay you is frustrating. If you’re getting bad vibes about anything at all, tell the person you are no longer interested and start looking for other ad posting positions.

How much can you make?
The pay that comes with ad posting is not a whole lot. I believe I am right to say that the typical pay range is between 0.10-$1.00. It really depends though on the client who is hiring you. If you are getting paid an extremely low wage, then it’s probably okay to assume that the client doesn’t have a whole lot of money to start out with. Take this into consideration about your future work with the person. If the ad posting requires a lot of time on your part, such as making the ad or inputting pictures, then ask for a higher wage. I am pretty happy with a $1.00 because for me, it doesn’t take that long to post an ad. I’ve gotten use to the Craigslist realm and know my way around it.
The clients I’ve dealt with usually pay with PayPal. I would highly advise to use this method of payment simply because your personal information is secure.
Some advice about Craigslist:
Since Craigslist is probably the most popular choice for posting ads, then you will need a telephone to validate your posts. All that is required is your phone number to authenticate who you are, so Craigslist doesn’t think you are some kind of bot posting the ads. From my experience, my phone hasn’t been bombed with spam calls. The only trouble I have is not being able to use my phone number more than once. Craigslist has this holding period for each phone number you use, so be sure to use it sparingly.
There are other easy positions like ad posting available for us work at home warriors! I currently post comments on a website and get paid 0.25 per comment. It’s not a whole lot of money, but it’s still money! These types of opportunities are out there and it does take some searching to find the legitimate ones.
Consider adding ad posting to your daily work at home regimen. It can be easy work and some easy money that can be made. Just be mindful and careful, as with all work at home opportunities!

Working at Home: Realistic Goals & Outcomes

When I began to work from home, I was introduced to a rude awakening. I realized that in most positions, I would have to hold back my own taxes and that most clients do not pay you what you are worth (just in my experience). So, I found that setting income goals for myself was very challenging. My ideal income was roughly $1,000 a month. That money would barely cover my bills, but I knew that was what I needed to make to stay a float.
I have to be honest – still to this day I am sometimes confused when trying to make an income goal for myself and I’ve found that daily goals left me feeling pretty crummy at the end of the day. Starting this month, I am implanting a new goal structure for myself. I have set a monthly and weekly goal. Since I would like to make $1,000/month, I figured that I needed to bring in $250 each week. It’s a bit scary thinking of such a big number, when before I had a reasonable number to work with when I was setting daily goals; however, I really feel like this going to work for me.
Here are some strategies I am going to be doing in order to succeed my goal:

• Utilizing Cozi.com – If you have never been to this site, it is amazing! It’s an online calendar service, but it offers so much more. Ideally, it is for those who run a busy home schedule with kids, sports and events. It allows you to easily insert things, upload photos, color adjust certain events and so much more. What I had done was printed off this month’s calendar (which I absolutely love how it printed! Most sites give you a plain looking calendar, but this one is lively!). At the end of each week, I wrote: /$250. Above the slash, I plan to input my actual income amount.
• I’m not going to set myself up to fail any longer! I am such a procrastinator that it isn’t even funny. I have my good days where I can finish all I want to do and then my bad days …. Where I feel like a total failure. Well, I’m over that. I know what I need to do so that I don’t feel like a failure. I need to accomplish the work I have set out to do for each day and complete it. No ifs, ands or buts about it! I have a handy planner where I write down all the work I have that needs to be completed and in previous posts, I’ve talked about the use of a bulletin board. I haven’t been using mine as much as I should have because right now it’s acting as a barrier to my wires so my puppy doesn’t get back there. I’m going to pull it up and place it on my wall and write down my goals on that as well. I’m also in the mood for locating inspirational quotes to bring me out of the funk I have some days!
• Properly managing my time & organzing! This is a big one for me. I can’t tell you how many times I will sit down at my desk ready to work yet find myself sitting here for hours doing mindless things. I am going to start using the timer on my phone to properly manage my time. I’m going to allow myself breaks and what have you, but from now on they are going to be timed.

I think my biggest problem is adjusting to this whole scene. Working at home is as tough as working outside the home and over the last few months, I have really felt that. I need to start acting as if I am actually working, regardless of the negative comments I receive about “not doing anything all day.”
So, who’s with me? Are you ready for a change this month? What do you want to make? I believe in the power of encouraging others, so please leave a comment explaining your goal or what you would like to change this month about your work at home routine. Together we can help each other and become stronger!
UPDATE 10/1/11 – I may need to increase my monthly goal. I recently found out that my boyfriend and I are getting kicked out of our house. We currently rent off his Uncle and for some reason, he failed to let us know he promised this house to his mother-in-law in about, oh 2 MONTHS! This is my 5th time moving in 4 years … I’m getting pretty tired of it. But, I won’t let it lessen my spirits and I shall work harder on my goals to succeed!

Free Lance Writing Pros and Cons

Writing can be both difficult and rewarding.  It is certainly a creative outlet, but there is also a technical aspect involved in any linguistic pursuit.  So it takes a particular type of mind to really make a career out of writing.  It can bring about feelings of euphoria (when you’re on a roll) or total depression (as the nefarious writer’s block strikes at random), but it is almost never boring.  However, freelance writing, in particular, has its own special challenges and benefits.  So before you leap at the chance to be your own boss (to an extent), examine some of the pros and cons associated with becoming a writer for hire.

1. Work from home.  PRO:  The major benefit of contract writing is that you can do it from the comfort of your cozy office.  You can formulate a routine that works with your lifestyle and avoid the constant interruptions inherent in an office setting.  Bonus: appropriate attire includes pajamas and you’ll avoid the morning commute!  CON:  You will literally have only your cat for companionship.  Freelance writers can become very isolated if they don’t make an effort to get out of the house once in awhile.  You also face constant distractions like pets that need attention, a house that could stand a little cleaning, and your evil arch-nemesis, daytime television.
2. Set your own schedule.  PRO: If you want to go to lunch with friends, sneak in some time at the gym, or take in an afternoon movie, there is absolutely no reason you can’t schedule it in.  The flexibility is what draws most people to at-home work.  CON: You are solely responsible for how your time is allocated.  That means you have to be diligent when it comes to setting work hours and sticking to them.  If you thought you could earn a living by rising at the crack of noon and working for a couple of hours in the afternoon, you were dreaming.  And there is no one to blame but yourself if you can’t pay the bills.
3. Variety.  PRO:  The great thing about freelance writing (as opposed to other types) is that you will enjoy a constantly changing palette of subject matter.  This means that you will most likely be learning new things all the time and you can avoid the boredom of expounding upon the same topics all the time.  CON:  Freelance writing requires you to be a sort of pen-slinging jack of all trades since at any given time you might have to tackle a vast array of topics from computer technology to nursing degrees to eco-friendly home-building to shopping for wedding dresses.  It all depends on the work that comes your way.  For an individual who is not comfortable with research or has a hard time elucidating subjects on which they lack expert knowledge, this can be an extremely challenging and stressful aspect of the job.
4. Multiple clients.  PRO:  Since you are basically your own boss, you can take on as few or as many clients as you wish, and only accept repeat business from the ones you like, ensuring less stress and good working relationships.  CON:  One problem with taking on several clients is that you are bound to get some bad apples.  You will have to deal with people who are demanding, irrational, and disrespectful, and you must remain professional throughout if you don’t want to risk a negative review.
5. Freedom.  PRO:  This is the absolute best reason to pursue a career in freelance writing.  If you want to work 20 hours a week you are free to do so.  Planning a vacation does not require anyone’s consent or the rearranging of a schedule.  And once you are established, you can virtually pick and choose which jobs to take.  In essence, you are in full control of your life and your time.  CON:  As much as this can be a blessing, it can also be a curse.  Freedom, in many cases, equates to personal responsibility, so if you find yourself spending all day at the beach only to realize that you’ve missed a deadline, you may not have self-discipline required to make a living as a freelance writer.

ok some simple but effective ways to make money

Ways to Actively Make Money:

1. Clip coupons from the newspaper for items that you already buy.
2. Check to see if any stores in your area offer double coupons.
3. If you have good enough credit to get one, use a rebate credit card and pay it off every month. You must not spend more than you can afford to pay off each month, or you will pay more in interest than you get back.
4. If you have the money to pay, use 0% financing and keep your money in an interest-bearing account. Be careful of minimum monthly payments and pay the balance electronically or mail it early enough that they can't "lose" the payment and find it just after the due date.
5. Get a second job.
6. Rent out a room in your home or get a roommate if you rent.
7. Sell some of your old stuff on ebay

top 10 hardest jobs to fill

Okay I know this blog is mostly about making money, but I saw this article this morning and wanted to share it.. pretty interesting  for those of who are unemployeed

The Top 10 Hardest Jobs to Fill

By John Rossheim, Monster Senior Contributing Writer

The economy is sputtering, and companies say they will make nothing but perfect-10 hires. Meanwhile, Baby Boomers are retiring by the millions -- and everyone wants to be a millionaire, not a wage earner. Where does all this leave employers and workers in their never-ending struggle to tip the balance in the American labor market?

annual survey commissioned by staffing firm Manpower, these dynamics yield a number of occupations for which openings are hard to fill. Among white-collar jobs, the following positions make Manpower’s 10 Hardest Jobs to Fill list: sales reps, nurses, technicians, restaurant/hotel workers, managers/executives, doctors/other clinical practitioners, engineers and customer service reps. And on the blue-collar side, skilled tradespeople and drivers make the top 10.

But labor-market power has shifted toward employers with the soft economy. In the prerecession year of 2007, Manpower’s survey of 2,000 US firms showed that 41 percent of employers reported difficulties filling positions; however, the 2010 tally found only about a third of that percentage of companies -- 14 percent -- reported recruitment was a struggle.

And many experts, especially labor advocates, take issue with the Manpower study’s conclusion that all these occupations are in shortage. “Our starting point at EPI is where most economists would start: If you don’t have low unemployment and rising wages, you don’t have a shortage,” says Ross Eisenbrey, vice president of the Economic Policy Institute (EPI).

So if you work in one of these occupations -- or want to -- what’s the real story? Let’s take a look at the survey results and get some perspective on what the shortages really mean.

White-Collar Occupations Blow in the Winds of Economic Change
With fuel prices spiking and oil and natural gas exploration heating up, demand for petroleum engineers is rising. Offshoring notwithstanding, “engineering is going to be around for awhile,” says Melanie Holmes, a vice president at Manpower North America. “Oil companies have employees averaging in their late 40s.”

Eisenbrey says EPI data shows labor shortages in a number of white-collar niches, from healthcare workers to librarians, farm managers, engineering managers and environmental scientists.

Some Blue-Collar Jobs Go Unfilled Even as Their Numbers Drop
Even after decades of manufacturing decline, employment of machinists is expected to drop another 5 percent between 2008 and 2018, according to the BLS.

“We’re at the very beginning of that decline; we haven’t necessarily gotten there yet,” says Holmes. “Even if machinists are declining, applicants are in short supply. Kids are not getting excited about going to tech and vocational schools.”

Labor advocates paint a different picture. “Employers are still not willing to pay what’s required,” says Eisenbrey. “It’s a shortage only at the rate that employers want to pay.”

The skilled trades rank high among blue-collar jobs that are hard to fill, according to the Manpower survey. Carpenters, welders, plumbers, electricians and masons are in demand, the survey says.

But Eisenbrey questions the validity of these conclusions. “It doesn’t make sense that jobs for construction workers and laborers are hard to fill,” he says. “Wages are declining in most of these occupations." While the Associated General Contractors of America reports that 40,000 new construction jobs -- many due to stimulus projects -- were added between February and April 2010, that's a far cry from the more than 2 million construction jobs lost over the previous three years.

Even in our digital age, stuff still needs to get from here to there, whether the trip is across the warehouse floor or around the world. That’s why jobs for laborers such as freight, stock and materials handlers are projected to increase by almost 250,000 positions from 2004 to 2014, according to the BLS. Many of these jobs require few skills but pay $12 to $15 an hour, about double the federal minimum wage, which rose to $7.25 per hour on July 24, 2009.

Unemployment Guides and INFO by state

The brainiacs are saying the recession is over, citing a rise in corporate confidence and a spike in orders being placed. But it's not yet the real healing that individuals and families so desperately need on the job front.
For the foreseeable future, the job market will continue to be tough. That leaves many people in unexpected positions. Clark recently talked with a woman who was unemployed for some time. After a few minutes, it emerged that she had not applied for unemployment compensation because she was too proud.
Unemployment compensation should not be a dirty word in your vocabulary; insurers pay this insurance during good times so people can survive during lean times. So know that it is legitimate for you to seek assistance in this economy.

Unemployment Insurance Benefits
Alabama	Kentucky	Ohio
Alaska	Louisiana	Oklahoma
Arizona	Maryland	Oregon
California	Massachusetts	Pennsylvania
Colorado	Michigan	South Carolina
Connecticut	Minnesota	Tennessee
Florida	Mississippi	Texas
Georgia	Missouri	Utah
Illinois	New Jersey	Vermont
Indiana	New York	Virginia
Iowa	Nevada	Washington
Kansas	North Carolina	West Virginia
		Wisconsin

Employment Transitions: do's and don'ts

Helping People in Transition
By Phil Holland, Founder, www.myownbusiness.org

More working Americans than ever are victims, or about-to-be victims, of downsizing; also known as "reduction in force", "made redundant" or "your job just went overseas." Scary questions begin to arise: Where do I go from here? How am I going to make my mortgage payment?
For a laid-off worker who doesn't have bright prospects of replacing his or her job, there is a possibility not to be overlooked: why not go into business for yourself? For those still in jobs but fearful of losing them (the signs are usually evident) there is the possibility of starting a moonlight business now, while still working. As Harvey McKay has said, "Find something you love to do and you'll never have to work a day in you life."
Here is a list of top ten do's and don'ts for people in transition, a 14-session on-line course conducted as a public service to point out the basic do-s and don'ts for start-up businesses.

THE TOP TEN DO'S Begin saving money by living very modestly. Begin a study on what business would be best for you. Begin working part-time in the kind of business you would like to start. Talk to your family about the prospects of starting a business together. Learn basic accounting. Learn computer and up-to-the-minute communications tools. Learn how to operate a web based E-Commerce business including marketing. Prepare a written business plan for your intended business. Ask qualified people in your intended business to critique your business plan. Begin a diet and exercise discipline to build up health and endurance capabilities.

THE TOP TEN DON'TS If you're still working at a job, don't quit until your business is in place and running. If you're still working at a job, don't go into direct competition with your employer. Don't incur any new financial obligations above basic necessities. Don't sign any legal business document without your lawyer's approval. Don't depend on information from franchisers or brokers: do your own research. Don't be in a hurry: wait for the fat pitch opportunity. Don't depend on your banker to provide start-up capital. Don't commit to a concept without proving it first on a small basis. Don't commit to a business in which you must have the lowest cost to survive. Don't pick a business that is too high a risk. Go for the 2 foot hurdle.

Ideas on How to Make Extra Money

Ways to Actively Make Money:

1. Clip coupons from the newspaper for items that you already buy.
2. Check to see if any stores in your area offer double coupons.
3. If you have good enough credit to get one, use a rebate credit card and pay it off every month. You must not spend more than you can afford to pay off each month, or you will pay more in interest than you get back.
4. If you have the money to pay, use 0% financing and keep your money in an interest-bearing account. Be careful of minimum monthly payments and pay the balance electronically or mail it early enough that they can't "lose" the payment and find it just after the due date.
5. Get a second job.
6. Rent out a room in your home or get a roommate if you rent.
7. Sell some of your old stuff on ebay

Can you design Mobile software for Mobile Phones?

If you can write a computer program of any kind you can design and app for an iphone or ipad these days.

This is a great source of extra income that could result in long term paychecks as your business builds.

We have all heard of angry birds, fruit ninja and a few other iphone/ smart phone games. about 90% of these games you have to buy or pay a subcription price for every month. 

you don't know how to get started check out this e-book guide it explains the programing, development, and deployment in addition to payments you will recieve once you programs sells. 

Discover how to create an iPhone or iPad App & Game and hit pay dirt with it in the App Store! 60% commission + Bonus. Awesome member area with full video course. All you need to know on how to start App business with no programming skills at all!

Click Here to design smart phone apps and games!

this program is not expensive if you are a beginner save your self time and get one today, after all time is money.

Roughly around $5 to get started. 

Home Job Spot Website Review

Ok this site is a work from home job bank. 

Here are the pros- no negative feed back on google, or at BBB.

appears to be a smaller company

upfront about types of jobs they offer and what industries

upfront about the cost to participate with out searching the website. 

appears to be a one page webpage. 

You will not find an exhaustive list of ad-posting schemes, pyramid schemes, chain letters, cash gifting offers, or other well known schemes. 

You will not find commercial advertisements disguised as job ads.

You will find a wide variety of job opportunities including  freelance and contract opportunities as well as FT and PT positions in both entry-level and professional-level work

The following job categories are represented in the Job Bank at all times.

Business • Clerical • Customer Service • Engineering  • Programming • Finance • Graphic Art

Human Resource • Miscellaneous • Sales and Marketing • Transcription • Web Design • Writing

cons- you have to pay a one time $18 fee to join, (but that fee is one time for the life of the account)

not always alot of jobs to choose from 

smaller company

very little information on the internet about them

So in all, I would have to give this one a thumbs up as well. So far it has worked out well for me, but if it dont for you, you are only out $18 and not a monthly fee. 

Click Here to join Home Job Bank!

Review of writing at home jobs.

OK, we have all seen the work from home jobs, right? Trends include affiliate marketing, posting ads online, and many more. 


A new trend these days is freelance writing. now this can be a good source of extra income, specially if you are good with english. 


Here are some frequently asked questions of the one i reviewed this morning: 

Asked Questions

Q: How much money can I make?
A: Your earnings potential is really up to you. The harder you work, the more you can make. In the past I've made well over $10,000 in a month writing articles but this doesn't mean you will make as much. I worked very hard and wrote for many hours everyday. Using the tips and resources found in RealWritingJobs.com, if you put in similar effort there is a good chance you can make a very solid income.Q: How long until I get my first payment?
A: The bulk of the companies you'll be writing for pay you instantly upon completion of the job via Paypal, Check, or a Bank Wire for larger payments. You will work out the payment terms with each employer before you start the writing job.
Q: Do you offer a guarantee I will make money?
A: No, we can't make any guarantees about how much you can earn but we do provide you with everything you need so you can start making good money writing online. We offer a 60-day unconditional money back guarantee so if you find that it is too difficult for you to make money, we will refund your membership fee within the first 60 days. However, we are confident you will be very happy and making money quickly which is why we offer such a great money back guarantee, we stand 100% behind our site.
Q: Will I have to buy anything else after I signup?
A: No, absolutely not. Your only cost is your RealWritingJobs.com membership which includes all the information you need to start writing as well as the largest job bank of writing jobs online.
Q: What countries are eligible to join?
A: Citizens of ALL countries can join, as long as you have above an 8th grade writing level you'll be able to write articles.
Q: I'm not that great of a writer, can I still join?
A: Yes, certainly. These companies that want articles need for them to be written in a simple way so that everyone can understand them easily. If you can write at an 8th grade level or higher, you are qualified to start writing articles. We also have a lot of amazing tools to help you become a better writer and correct any grammar mistakes you may make in your article.
Q: Is RealWritingJobs going to be my employer?
A: RealWritingJobs.com does not employ you. You'll be employed directly by the companies and blogs that hire you to write jobs. RealWritingJobs.com provides you with the largest online job database of writing jobs as well as the best writing training tools available. You'll be able to choose which freelance writing jobs interest you.

Here is some additional information about the earnings of this company: 

Earnings Disclaimer

EVERY EFFORT HAS BEEN MADE TO ACCURATELY REPRESENT THIS PRODUCT AND IT'S POTENTIAL. EVEN THOUGH THIS INDUSTRY IS ONE OF THE FEW WHERE ONE CAN WRITE THEIR OWN CHECK IN TERMS OF EARNINGS, THERE IS NO GUARANTEE THAT YOU WILL EARN ANY MONEY USING THE TECHNIQUES AND IDEAS IN THESE MATERIALS. EXAMPLES IN THESE MATERIALS ARE NOT TO BE INTERPRETED AS A PROMISE OR GUARANTEE OF EARNINGS. EARNING POTENTIAL IS ENTIRELY DEPENDENT ON THE PERSON USING OUR PRODUCT, THEIR IDEAS AND TECHNIQUES. WE DO NOT PURPORT THIS AS A "GET RICH SCHEME."

ANY CLAIMS MADE OF ACTUAL EARNINGS OR EXAMPLES OF ACTUAL RESULTS ARE NOT TYPICAL. YOUR LEVEL OF SUCCESS IN ATTAINING THE RESULTS CLAIMED IN OUR MATERIALS DEPENDS ON THE TIME YOU DEVOTE TO THE PROGRAM, IDEAS AND TECHNIQUES MENTIONED, YOUR FINANCES, KNOWLEDGE AND VARIOUS SKILLS. SINCE THESE FACTORS DIFFER ACCORDING TO INDIVIDUALS, WE CANNOT GUARANTEE YOUR SUCCESS OR INCOME LEVEL. NOR ARE WE RESPONSIBLE FOR ANY OF YOUR ACTIONS.

MATERIALS IN OUR PRODUCT AND OUR WEBSITE MAY CONTAIN INFORMATION THAT INCLUDES OR IS BASED UPON FORWARD-LOOKING STATEMENTS WITHIN THE MEANING OF THE SECURITIES LITIGATION REFORM ACT OF 1995. FORWARD-LOOKING STATEMENTS GIVE OUR EXPECTATIONS OR FORECASTS OF FUTURE EVENTS. YOU CAN IDENTIFY THESE STATEMENTS BY THE FACT THAT THEY DO NOT RELATE STRICTLY TO HISTORICAL OR CURRENT FACTS. THEY USE WORDS SUCH AS "ANTICIPATE," "ESTIMATE," "EXPECT," "PROJECT," "INTEND," "PLAN," "BELIEVE," AND OTHER WORDS AND TERMS OF SIMILAR MEANING IN CONNECTION WITH A DESCRIPTION OF POTENTIAL EARNINGS OR FINANCIAL PERFORMANCE.

ANY AND ALL FORWARD LOOKING STATEMENTS HERE OR ON ANY OF OUR SALES MATERIAL ARE INTENDED TO EXPRESS OUR OPINION OF EARNINGS POTENTIAL. MANY FACTORS WILL BE IMPORTANT IN DETERMINING YOUR ACTUAL RESULTS AND NO GUARANTEES ARE MADE THAT YOU WILL ACHIEVE RESULTS SIMILAR TO OURS OR ANYBODY ELSES, IN FACT NO GUARANTEES ARE MADE THAT YOU WILL ACHIEVE ANY RESULTS FROM OUR IDEAS AND TECHNIQUES IN OUR MATERIAL

After reading the fine print and review the BBB 

information on this product I say go for it if you like to write. 

Click Here to give it a try!

New Online Freelance Employer Sites

Clark Howard is making it part of his new mission to be a resource for the unemployed and the underemployed during this tough economic cycle.

The conventional wisdom about education and employment -- as your level of education rises, the less likely you are to be impacted by lay-offs -- has been completely flipped on its head this time around. This recession knows no boundaries in terms of education, skill level, training or years on the job.

If you have skills of a certain nature, try picking up some consulting work (aka freelancing) on a per-job basis. The Internet offers a variety of sites that hook freelancers up with employers. The San Francisco Chronicle's Tom Abate has compiled a list of such websites, including the following ones:

- eLance.com
- oDesk.com
- Guru.com
- crowdSPRING.com 


These sites are being called "virtual hiring halls" because they're a modern adaptation of the union hall idea where workers would go to await job orders.

Ways TO Make a Quick Buck

Using the Internet to connect with people who have particular skills sets has become extremely popular in a time of high unemployment.

I recently told you about a service called Fiverr.com, where people share things they're willing to do for $5. (be sure to check out their sister sites also for $20, $50, and $100) You might be able to hire someone to review your resume, design a website, improve a PowerPoint presentation or even write your Maid of Honor speech -- all for $5! The low price is often a loss leader allowing a contractor to develop a client base for their particular area of expertise.
I have also talked in the past about eLance.com, which you can use to find freelancing and consulting jobs, or to offer your freelance services to others.

Now The San Francisco Chronicle has written up several other sites that offer similar options:

• TaskRabbit.com allows you to hire someone in your local area to run errands for you. For example, if you buy Ikea furniture, you might hire a "rabbit" to assemble it for you. The service is only available in select areas.
• RedBeacon.com lets you get price quotes and book appointments for local services, such as those provided by a plumber or electrician. Again, RedBeacon.com may only be available in select areas.

Author: Clark Howard (9/2010)

Substitue Teaching; a Resume Filler

ok, yesterday we discussed the possability of doing things like recruiting people to buy hosting to make an income on the side that pays decent money. Today lets go over some resume filler jobs that don't pay the best but can very useful to your resume. 

Did you know that subsituting at your area schools pays half way decent money? It also creates a referrence to give prespective employers. For example I live in north Alabama area, and sub part time. Meaning I work about 1 day a week in the school system for about $70 a day, keep in mind i have a bachelors degree. High school or GED pays about $54 a day. There are no benefits and it is a first come first serve basis but can be a great referrence. 

Keep in mind that you will have to get a license in most states. Typically you will need a clear TB test (can be done for free at your local health department), a finger print background check (costs about $50), and of course a subsitute license you get through the state  costs about $40. 

This does take little time get all your paperwork in order so plan it taking about a month. 

Our school district uses a automated program called AESOP so when a teacher enters a day they need a sub it appears on the subs personal computer or you get a phone call asking you want the assignment. again its first come first serve. some teachers also have preferred subs that get the call first so keep that in mind. 

If your system does not have a system like AESOP then you want to get business cards to take to the schools in your area and let the teachers know you are available. 

To Elance or Not.

ok, your unemployed and need an income but a new job takes time. What do you do? well take a look at what skills do you have? cooking, typing, email, surfing the internet... 

We all have skills of some sort... so sit down take inventory, then decide which ones you consider yourself an expert at. after that decide which ones you like to do.  Good, now that you have that decided got to places like elance.com 

 Now Open an account, don't worry its free.  once you have dont this post your information and skills that you have include amount of experience, and be sure to state what country and languages you are experienced in. once you done this, you can now start looking for jobs to bid on. you get some many bids a month use them wisely if you  decide to use the free package. I usually bid on the ones that were close to the end of bidding like less than 24 hrs, some will tell you the lowest bid so far. be competive but remember dont bid on something that takes a lot of time for $2 an hour...its just a bad idea. 

another idea is post an ad on classified ads sites such as craigslist or myfreeswapper advertising you skills and rates. an example would be house cleaning or web design. don't foget to tell your friends and family that your are preforming these services they may not need them but may know some one who does and the best type of advertising is word of mouth. 

and last but not least order some professional business cards (250 are $5 at vista print.com). once you get your cards take them to business where people who would use your service would frequent. a good example is carpet cleaners, painters, handy men, house cleaners, and clean out people leave cards at real estate offices all the time and get a good bit of service... be sure to develop a good relationship with those realtors, maybe bring a box of donuts once a month to the office to remind them how apperciative you are for there referral. 

be creative think out side of the box.

Legal Ways to Make Money at Home Selling Web Hosting

Ok we have all heard of affiliate marketing right? and we all think of those get rich scams... well there are legal ways to do it. let me explain so ways to do this...

did you know that hostgator.com will pay you $50 to $125 to get people of businesses to use their web hosting services? not a bad payday really the more people you get to use their program the more they pay you upto $125 per account sign up. no restriction on what kind of accounts either. The smallest package at host gator is $4.95 a month.... personally i love their hosting compared to godaddy they have lots more options that are free and tech department that has more knowledge about techincal problems with out having to wait on hold for hours at a time.

21 sign-ups in a month would generate = $2100+ a month in income

If your interested in becoming a go daddy affiliate or using their hosting services?  visit:

http://secure.hostgator.com/~affiliat/cgi-bin/affiliates/clickthru.cgi?id=bamagenius

Find a JOB & JTPA Programs

Ok, your unemployed and seeking work you have tried everything and the unemployment is gone. Where do you go from here? Well take a look at the little jobs that we haven't worked since high school if at all.

Convience stores

fast food

grocery stores

walmart (big during holiday seasons)

car washes

nursing homes**

other department stores

for more local jobs visit: 

http://myfreeswapper.com/index.php?customlist/848

**note: Often nursing homes will pay for you to get your cna or ppt license and often send you to nursing school while you work for them and pay your tuition.... so if you need a career consider this one.

Another idea is have you attained certifications that go along with your previous work experience?

If not consider getting one... alot of employers seek these now days and they don't really care about your college education as long as you have these certifications.

Can't afford it? no problem call your unemployement office and ask about JTPA (job training placement assistance) or return to work program through local colleges that help with improving your skills.

Presently many employers are ignoring resumes or application that show no current jobs or unemployed for a lengthy period of time.... so consider this be creative when describing you current positions.... while your unemployed do you not run errands? are you not the CEO of your home? do you paybills? Accounts payable right there.... do you volunteer with the PTA? sit down an write out the tasks that you perform every day or week then take a thesaurus and come up with sophisticated titles that make it sound like you have had employment.... after all you are working you just aren't bring in an outside income. 

If this information isn't enough try googling these terms for additional ideas

of Job programs that can help you find a new job:

JTPA, 

WIA Dislocated Worker, 

No Worker Left Behind, 

Dislocated Worker Program , 

or Calworks.