Comments (0)

Want to get paid more? O.K. Why not get paid to do surveys?

Most ways to make money on the Internet require some special skills and training and some technical skills in order to get started. Many require a substantial investment in websites, domain names and specialized contractors. There are exceptions, like participating in paid marketing research and taking surveys for cash.

The reason that this is possible is because large companies absolutely must know what consumers, especially the consumers that buy THEIR products or services, are thinking. Most such companies never come into direct contact with the people that ultimately buy what they are selling.

And the MUST KNOW what consumers think and prefer. They have to know this to design new products, improve old products and know which advertising campaigns are working and which are not!

To get the consumer preference info they need they hire market researchers. Market researchers send out surveys to get the answers. This is a huge business on the Internet (the fastest, cheapest way to make a survey). Every week there are thousands of surveys being made!

The only way to get people to take the time to sit down and fill out survey questionnaires is to pay them! Typical surveys pay $10 to $25 and take 7 to 18 minutes to fill out. Take a $10 and a $25 survey a day and you’ll make over $1,000 in a month!

That is how you can get money for surveys that pay.

You might want to look into making money for surveys and start getting YOUR checks in the mail or deposits into your PayPal account!

Want more info? Just click on any of the links in this blog post and follow the navigation menu. Come on in, the water’s fine!

Author- George Fuller

Comments (0)

Does it make sense that we spend our whole lives making money and investing in stocks and bonds only to have the market collapse and be fleeced like sheep? It doesn’t matter if you know how to make money online for beginners, you probably took a loss anyways right? Of coarse it can’t be easy coping with the global financial crisis we face as a whole.

More people are resorting to internet marketing and alternative ways to get some cash, people are starting to figure out the game and many of them read this 1waylinks review or articles written by professional internet entrepreneurs to figure out how to hustle up some dough on the web. The truth of the matter is that we live in uncertain times in a world that is extremely unpredictable. All we can do is cross our fingers and hope that things will get better right?

If you knew that the end was near, wouldn’t it make sense to try and create a situation that spared you from the upcoming violence and terror that the bankruptcy of the USA may result in? One way to get ready for financial instability is to start exchanging your dollars and fiat money for silver and gold. If you turn on the TV and you see politicians and business owners saying things are getting worse and you look at the unemployment rate skyrocketing and the quantity of cash in your bank account plummeting, isn’t it time to start thinking about the worst case scenario?

Many people who are supposed to be experts with the years of experience that the extensive background in market research marketing have no clue about what is going on so it makes very little sense to take their advice about the economy and the future of our world.

Comments (0)

Many homeowners are considering taking advantage of today’s historically low interest rates by refinancing their mortgage. In many cases, they are able to save hundreds of dollars per month by refinancing. Whether mortgage refinancing makes sense for you can be easily determined by doing some simple math.

The first consideration is how much lower your new interest rate should be than your current rate. There is a common belief that if current rates are more than 1.5 to 2 percentage points lower than your current rate, then you should refinance. That’s a good starting point, but there is more to the story than just the raw interest rate.

Your real concern should be the total cost of the mortgage refinance both in the short term and the long term. The total cost includes not only the monthly mortgage payment (principal plus interest), but the closing costs, as well. Closing costs typically include such things as:

 

 

• Appraisal fee

 

 

• Credit Report fee

 

 

• Processing fee

 

 

• Commitment fee

 

 

• Tax Service fee

 

 

• Flood Certification fee

 

 

• Discount points (if any)

 

 

• Title Insurance (based on mortgage amount)

 

 

• Recording/Notary fee

 

 

• Per diem Interest

 

 

• Real Estate Taxes

 

 

• Home Insurance (percentage of mortgage amount)

 

 

Adding all these up can easily run into several thousand dollars, even without discount points. This is money that must be paid at the loan closing. In the case of a mortgage refinancing, lenders often advertise “no closing costs”, which is a bit misleading. The truth is that there ARE closing costs, but they are paid out of the proceeds of the loan rather than the pocket of the homeowner. This is possible when the homeowner borrows against the equity in their home as part of the refinancing.

As an example, let’s say that your home is worth $175,000. Your original mortgage was for $125,000 over 30 years at 7% interest. You still owe $100,000 on the original mortgage. The closing costs for your refinance are $3,000. If you simply refinance the $100,000 amount at a lower interest rate you will reduce your monthly payments, but you will have to pay the $3,000 closing costs out of your own pocket. If you choose the “no closing costs” option, your $3,000 closing costs will be paid by simply borrowing the additional money against the equity in your home (i.e. the value of your home less the amount owed). Your mortgage will now be for $103,000 instead of $100,000.

So, what about that widely held 2 percentage points belief we mentioned earlier? The monthly payment for a 30-year $125,000 mortgage at 7% interest is $831.63. For your new 30-year $100,000 loan at 5% interest, the monthly payment is $536.82, a savings of almost $300 per month. If the new mortgage is $103,000, the monthly payment is $552.93, still saving you over $275 per month. In this scenario, considering only the monthly savings, you would recoup your closing costs in as little as 10 months.

Sounds great, right? Well, there’s another factor you need to consider. If your original mortgage was $125,000, you’ve been paying on it for 152 months to get the principal balance down to $100,000. Therefore, you have 208 months left before the mortgage is paid off under the original terms. If you continue without refinancing, you’ll pay an additional $172,978 (208 months at $831.63 per month).

If you refinance your mortgage for the $100,000 you currently owe, you’ll pay on it for 360 months at $536.82 plus the $3,000 closing costs for a total of $196,255.

$172,978 <– payout without refinancing

-196,255 <– payout after refinancing

-$23,277 <– difference

In this case, by refinancing you will end up paying an additional $23,277 for the new loan over the original mortgage. This works out to about $775 per year, which may be acceptable to you in order to have the lower monthly payment now. You are the only one who can make that decision based on your personal financial situation. The important thing when refinancing your mortgage is to consider all the ramifications.

This is another of today’s money secrets that can help you get the most for your money in today’s lending market!