How to Make Money With Shvoong

Shvoong works in a similar way to other freelance writing sites. However, with Shvoong you don’t have any boundaries of what you have to write about. You can even submit a poem if you want, and make money from it. What is best is it is completely free to sign up and use, forever!

Shvoong is not a scam, because whenever you make a dollar, it has made a dollar also, because it splits what is made 50/50. Which is really quite generous.

Shvoong is a business Paid to Write to pay $ 0.01 each one gives to the writings of our rates. After the $10 Shvoong will send money to your PayPal. The most popular writings are read tips, money, Facebook, health, online business, sex, children, women, books, internet, tricks, drama. So you just write a popular course to bring the readers. You also do not forget to tell your friends to give your rating to writing.

I am going to show you exactly what you should do, and if you follow this guide, you too will get at least 1-3 dollars per day, or even more. Here is what you should do:

Write Recipes- These can be any recipes you can possibly think of. Everybody knows a recipe or two, so why not put yours on-line and make money. If you don’t know any, ask your friends and families for their family recipes, they will gladly share. Also, family cook books work great for this. Just don’t go around copying copyrighted recipes though, because you will get caught.

After you have written a recipe and gotten it published. Then share to these following sites: Digg, Stumbleupon, Reddit. Sign up to these sites in order to share on them. Then share the link manually at Google and yahoo. You should type the link in there manually.

Next, these are the most important ones to share your link on, share your link on Foodgawker.com and Tastespotting.com, also you may want to try photograzing.com. These are high traffic food sites that will get each of your recipe or food related articles thousands of views a day. You will have to sign up to these sites to submit your articles, but they are free as well.

The 5 Saving Tips

The best saving tips are the ones nobody ever tells you. Those money saving tips the big companies are hoping you don’t find out about so they can keep making boatloads of cash from you. We have all heard the normal saving tips: Pay your debts off, save for a rainy day, increase your income and reduce unnecessary expenses. Yes, these do work but you need better saving tips, saving tips the general public is never told. Saving tips you wish you knew, saving tips that actually increase your wealth.

So here they are:

Saving Tip #1

Use the equity in your home loan to buy your car instead of signing that hire purchase or lease agreement. On average you will save R 20000 in 56 months. Yes, you heard me, don’t spend 1 cent more and save yourself R 20000. Pay the home loan back at the same premium as the vehicle instalment added to your existing repayment and you automatically save that money, not to mention the discount you can negotiate on the vehicle when you are paying cash!

Saving Tip #2

Re-evaluate your insurances every year. I mean every year. Insurance companies do not lower your premiums, in fact they increase them annually, but intend on paying out less year on year due to the depreciated book value of your vehicle. Call a garage, get a book value and get your insurance company to adjust your cover value to match either the book value (if paid for) or the outstanding finance balance if under finance. Tell your insurance company to adjust that value and get an immediate reduction in your premiums.

Saving Tip #3

Check your bank statement. Are you paying large penalty fees for drawing money at other bank’s ATMs? Drawing cash at your own bank’s ATM will drop your charges from R 30 to R3! Still writing out cheques at a huge cost? Switch to Internet banking and save yourself between 20% and 80% of your bank charges. You are probably paying for membership to a rewards programme too. Do you really get enough rewards for your membership fee? Most programmes actually favour the institution not the customer.

Saving Tip #4

Does your cheque account pay you interest on your credit balance? Most don’t! Open a savings account and pay your salary into that or you sacrifice between 0,5% and 7% (available at CAPITEC Bank) interest on your positive balance by keeping it. A cheque account has no use if you do not write out cheques and Internet banking and debit cards make this a reality. Why are you losing money when you could be earning it?¬†Even better is to switch to an account attached to your home loan (available at FNB), you could save thousands in interest over the term of you loan by a simple account switch.

Saving Tip #5

Cut your electricity bill by up to 50%. Switch your geyser off everyday, the whole day (6am – 9pm) and shower in the morning. If you have timer, check it, most do not switch the geyser off for that long and during peak time you pay maximum demand. Check for “vampire electronics” and switch them off. Your pool pump only needs to run for 4 hours per day, change your timer setting. Check all your plugs everyday before you leave for work, you should draw NO power while you are not at home! You aren’t using it while you are not there, yet you are paying out your hard earned cash to keep that meter running. Don’t spend money on something that is not in use?

Bad Credit Car Loan Tips for Consumers

You have just received a response from an auto loan company that your application has been declined. According to the lending officer, your loan proposal has been rejected because of your bad credit history or low credit score. The lending company you submitted your car loan application to only accepts customers with good credit rating and obviously, you did not meet the lender’s criteria. What can you do?

Subprime Car Loans for People with Bad Credit

If your credit score is below average, then you fall into the subprime category. Does that mean you cannot get the car financing you need? Not at all! Many lending companies in the market do offer financing for the subprime market or consumers who are credit challenged. Even with bad credit, you can still get approved for a car loan but you need to find the right lender.

Do subprime car loans mean high rates and fees? Because of the greater risk involved, lenders may charge a little more on interest rate for this type of loan. But that does not mean you should settle for an unreasonably high rate or unfair terms. Even though you need to improve your personal credit score, you still deserve fair treatment.

Car Loan Tips for Consumers with Bad Credit

How can you get approved for a car loan if you have bad credit? More importantly, how can you find a car loan lender that offers a reasonable rate despite having bad credit? Consider the following tips:

Check out credit unions. It’s a good idea to check out your local credit unions for possible car loan financing programs. Credit unions are more likely to offer a much lower rate than what commercial lending companies offer even for consumers with bad credit history.

Check your credit report. If you’ve been denied financing because of your credit rating, you should immediately check your credit report. Order your report from each of the three major credit bureaus – Trans Union, Experian and Equifax.

See if there are errors or misinformation which could have caused your score to drop even more. If you do find errors, send a letter to the bureau that issued your report and request for corrections. Once the errors have been corrected, you might be able to raise your credit score significantly.

Watch out for predatory car dealers. Some car dealers that offer financing deals are after only one thing – making sales and making profit. You might be offered an attractive deal and easy approval despite your bad credit but once you signed up the contract, you might be informed that you did not qualify for the low rate because your credit score. You might end up paying an expensive loan because you’ve been ripped off by an unscrupulous car dealer.

Shop around and compare deals. In order to make sure that you’ve found a good deal, you should gather quotes from at least three to five lenders and compare the rates and fees. Use the internet to request for quotes for free. Use these quotes to narrow down your choices. Afterwards, be prepared to examine the background, terms and conditions of each prospective car loan lender.

Free Money Saving Auto and Home Loan Tips

Free Auto Loan Tips

The following tips should help increase your chances of getting a car loan at a better rate.

Tip #1 – If you just started a job (recently graduated from college) then wait 6 months to apply for your car loan.

Tip #2 – If you have currently have bad credit then repair it before applying for an auto loan.

Tip #3 – If you’ve recently moved then wait until you have lived at your new address for 6 months before applying for a loan.

Tips #4 – If you have had a previous auto loan or home mortgage on your credit report then your chances for a new loan improve greatly.

Tip #5 – Try and pay off all of your credit card balances or at least lower them. You may want to consider finding the best debt consolidation loans to erase all of your credit card bills. The bottom line is don’t keep a high debt load or credit card balances.

Tip #6 – You must have a stable job or occupation.

Tip #7 – Other examples of credit extended to you should appear on your credit report. Verify this with a quick and easy online credit report. Also avoid charge off’s on your credit report.

Tip #8 – If you’ve filed bankruptcy before then you should wait 3-4 years before trying to get an auto loan.

Free Home Loan Tips

Tip #1 – Make Bi-Monthly Payments: Instead of paying your mortgage with one monthly payment switch to paying half of your loan payment every 2 weeks. The savings comes from the 26 half payments you make which add up to 13 monthly payments versus the regular 12 payments you would normally make in a year. The end result is you save a large sum of money on the interest owed and you’ll own your home a lot sooner!

Tip #2 – Choose a 15 year mortgage instead of a 30 year mortgage: You’ll end up with a higher monthly payment but in the long run you also save tens of thousands of dollars in interest charges, especially if you shop for the best home loans you can afford.

Tip #3 – Mortgage Refinancing: Currently this is the most popular trend. You refinance your mortgage if you can get a rate that is at least one percentage point lower than your existing mortgage rate and plan to keep the new mortgage for several years or more.

Tip #4 – Buy down the rate: The seller or builder, or through innovative pricing, can help you buy down your mortgage rate for one, two, or three years.

Tip #5 – Consider an adjustable-rate mortgage (ARM): If you think you will be in your house for less then 5 years then perhaps you should consider an ARM. An adjustable-rate mortgage (ARM) starts with a considerably lower interest rate, but then adjusts every year. This type of loan moves a little bit of the risk away from the lender, and the lender rewards you with a lower rate. Usually these mortgages are capped to rise not more than two percent in any year, and not more than five or six percent for the life of the loan for your protection.