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.

Saving Money Tips That Work

The economic downturn in recent years has forced many of us to focus more on spending. Research, however, shows Americans realize cutting back and saving money does not have to mean giving up luxury or settling for lesser quality items.

The products purchased in today’s markets have changed drastically over the years-especially since the 1950’s and 1960’s. One saving money tip that has been available to consumers since the 1970’s, is when non-name brand products, called “generic,” started lining shelves. However, the less-ornate packaging however and the unattractive term “generic” made these products seem inferior to many customers-and often the quality was less-than great.

These days most national and regional retailers have their version of generic, and each store features its own branding. Place the same products side by side, and the price difference is apparent. However many consumers still associate a generic product with a lesser quality product.

“It’s no longer just something you’re gonna buy just because it’s less expensive.”
At least 70% of Americans now admit they enjoy a discount and trend-tracking shows each year more and more people are looking for money saving tips – ways to save money without having to rely on “generic.”

One money saving tip that many consumers are taking advantage of is a saving money membership where the consumer gets paid a commission for just about every product purchased from the same retailers you have always purchased from. Whether you are purchasing Infant Care products, Medications, Home Equipment and Tools, Makeup and Personal Care, Technology and Media, Cleaning Products, Staples and Produce, Furniture, Jewelry, it doesn’t matter. With this money saving tip the retailer you purchase the product from will pay you a commission just for deciding to purchasing from them.

Here’s an example: do you shop at Walmart? With this membership every time you purchase a product from Walmart, Walmart will send you a commission check. If you go to Walmart 5 times during the month, you will get paid 5 commissions.

And not only Walmart, when you shop at Kmart, Sears, Target, or Home Depot for example, you will receive a commission check. Dollar General Store, Best Buy, Dick Blick, Dog.com, Gardeners’ Supply, JC Penney, Macy’s, Old Navy, Staples, and Bass Pro Shop, each will send you a check just for buying from them through this saving money membership. In fact there are over 300 participating retailers that will send you a commission just for buying their products. And that’s whether you elect to purchase name brand or “generic.”

So an important money saving tip is to start getting paid just for purchasing the same products you have always purchased from the same retailers you have always purchased from.

This money saving tip, this money saving membership works the same for larger item purchases as well. Whether it’s furniture, automobiles, jewelry, or other larger item purchases, you will get paid just for purchasing, or, with some larger items, you will have the opportunity to purchase at factory direct prices.

One last money saving tip, while you always want to apply discipline in your purchasing, there will be times when you need to make a purchase. In those instances, whether your purchase is big or small, don’t pay retail. Instead let the retailer pay you just for doing business with them.

The author, Gary Price is an attorney specializing in intellectual property matters including patents, trademarks and copyrights and professional internet marketing coach who helps families build full time home businesses on the internet quickly and affordably.

Free Tips Money

14 m

kids ages 5 and under are attending some type of preschool. Owning a day care is a lucrative business. Small day care services are often offered from an individual’s home. Even though this service is not free, it often costs less than commercial day care services. A lot of stay at home mothers provides this type of service for friends, neighbors, and other referrals. Typically, there is only one paid provider in the home day care business. Older children frequently assist the day care provider for free. There are often a smaller number of children being cared for. Parents of preschool children often seek this service first.

The number of preschool children being cared for dictates income. Day care provider’s incomes go up and down. Any daycare center looses income when the parents lose their job or get laid off and have to remove the children. Loosing 2-3 kids at the same time can significantly reduce the weekly income expected, especially for a small day care provider. A sudden and unexpected decrease in income can create financial problems if you do not plan properly.

You must budget and plan ahead of time the number of children you need when you decide to create a daycare service as your source of income. You have to advertise in the paper and ask your friends for referrals. Once you have enough children, you need to create a waiting list for other parents who need the service when you have an opening. Don’t wait until you loose kids before you start looking for a replacement. This is a free selling tip and may drive additional parents to your door because it implies you are providing such good service, people have to wait.

Properly budgeting and planning ways to keep the correct number of children means your income will remain constant. However, life is never constant. You need to create a 3-6 month emergency fund to weather the times when you loose kids unexpectedly and you have no one on your waiting list to replace them. When you think you are doing good and business is great, find ways to save the extra money. Save enough money to cover your expenses for 3-6 months.

Things have a way of happening during our lives that we have no control over. Unexpected medical bills and a spousal layoff are two such things that will often adversely impact your income. There are other things, however, that we create and can control. Splurging and spending money on unnecessary items while very tempting, should be kept to a minimum until you have established your emergency fund. This is not suggesting that you can never buy things you want. This free tip says you must keep your wants to a minimum.

It’s hard to resist the temptation of a spending spree. So often, when you think you’re doing well and spend cash for something you have been waiting for, you feel like this is your reward. Just when you’ve splurged, something happens or a few days later some long term customer unexpectedly removes their child from your day care. These parents may have been fired from a job, quit their job, or they may be moving. Often this announcement comes without notice.

Or, another example of an unexpected life occurrence is when your child gets sick or breaks a limb and has to be hospitalized. Rushing a child to the hospital creates an ambulance bill in addition to the other costs for doctors, x-rays, and medication. These unexpected emergencies create a financial setback for anyone’s budget. These services are not free even if you have insurance. You still have to pay a deductible.

Timing is everything. A sudden decrease in enrollment shouldn’t be a major setback when you plan properly. The best tip is to become a better money manager. Make sure you have adequate income for your bills and for savings. Don’t spend the money available for savings. Save it. Tell yourself you’re broke until you have acquired a 3-6 month emergency fund.

Getting Started On Your 401(k) Plan is an easy read finance book. The book does not talk over your head or confuse you with financial jargon that you don’t understand. The workbook format allows you to practice what you have learned at your convenience.

First Time Car Buyers Auto Loans Tips for First Time Car Buyer

Buying a first car is not that simple. We all get puzzled and confused when it comes with what to do and where to go to buy the first time buyers car loans. Did you approach the banks and request for a car loan; just like any school going kid would ask for extra pocket money to his mother or father. You are just like a new school going kid to the banks or any traditional auto financier. The best technique for you is to go online and research for first time buyer’s auto loan programs.

Getting Your First Auto Loans

Investigating online is a new technologically advanced technique to research on an individual on a website or any institution. You might be baffled when I say this but, Cyber law is well developed and can provide you with amazing information that you need. In these times of uncertainty and financial crisis, you have to make sure your security is not in danger on all levels. When I say, “Level” I mean on individual, company or institution wise, family or even work. So, what I want to say is you can investigate on everything where humans are involved.

But there is a catch, the individual should have social security and the company or institution should be legally authorized to work. Now how can you check if the website is legal or not? There are certification symbol on some websites you can trust those symbols. But if you don’t want to then trust the testimonials of the previous customers and also get some reputable websites from your friends and colleagues. When it comes to buying first auto loans I want you to be cautious while giving your information online. There are some websites, that are potential “Sharks” and you may want to run away immediately.

But, again there are two sides of any coin; you just have to save yourself from the dark and shine the brighter side.

I am sure there are websites that are reputable and excellent in providing you with various types of auto financing option for first time car buyers. Some of them will go out of their way and provide you with several auto loan rates from the lenders near your area. These websites basically, work like search engine for car loans for all types credit. So, it would be more beneficial for anyone to look for auto loans online.

What to Research For First Time Buyers Car Loans Programs?

Make the most out of the websites that provide you with the options to compare the auto loans. Some websites act like search engines for auto loans and do provide an option to compare all the auto rates at the same time.

Consolidate Debt Loans Tips and Info

When your financial well being is threatened by mounting debts and loans, you need to consolidate debt loans. To consolidate debt loans is an easy thing to do. But you will need all the necessary guide, tips and info on how you will go about it. Otherwise you will end up in sorry mess. So having the tips and info to guide in your plans to consolidate debt loans will give a more informed decision.

When people have problems managing their indebtedness and bills, they to debt consolidation loans as recourse. That is not a bad idea. But before you dip your hands in loan or consolidation loan learn as much as you can. Getting tips and info as well guide from the pros can help you a lot when you finally make that decision. Armed with all the tips, guide and info on how to consolidate debt loans, can give a much better strategies when dealing with your lender or bank.

Always bear in mind that the best way to get these tips and info is to go online and gather as much information you can muster. By doing this, will be able to compare and make an analogy accordingly. So when you have face to face with your lender or financial institution counselors or agents you have more power to negotiate a better deal.

Too many people are in dire straits right now in terms of financial well being. Mounting debts and loans plus bills that go with day to day needs is very crippling. I do not blame who are desperately looking for ways on how they can get out of their woes. With all the economic indicators showing the economy is slowing down and recession is likely to come, people are very nervous.

Some lenders are very aggressive and always want to close the deal as soon as possible. Lenders who are always in a hurry to close deals do not want you know more about what they are giving you. So beware of these lenders because they cost you a bundle at the end of the day. Going online to find the best lending institution is your best bet. You can get a lot of tips and info that will guide you on the best strategies to conquer your debt and bill payment problems.

Do not fall prey to all the scam artist and greedy lenders who are only after your hard earn money. Do not make a haste decision even with the strong urging to consummate a transaction, because it could be a trap. And once you have signed the dotted lines, there is no turning back. Tips and info on terms and glossary of terms they use in their programs is vital to getting well informed.
If they offered you something that is too good to true then this is a red flag. Investigate and analyze what they are offering you. You could in for a big surprise.

Online tips, guide and info can give you the right strategies to employ when applying for a debt consolidation loans. And to consolidate debt loans is not a hard and complicated thing to do as long as you have the right information and guide.

First Time Car Buyers Auto Loans Tips for First Time Car Buyer

Buying a first car is not that simple. We all get puzzled and confused when it comes with what to do and where to go to buy the first time buyers car loans. Did you approach the banks and request for a car loan; just like any school going kid would ask for extra pocket money to his mother or father. You are just like a new school going kid to the banks or any traditional auto financier. The best technique for you is to go online and research for first time buyer’s auto loan programs.

Getting Your First Auto Loans

Investigating online is a new technologically advanced technique to research on an individual on a website or any institution. You might be baffled when I say this but, Cyber law is well developed and can provide you with amazing information that you need. In these times of uncertainty and financial crisis, you have to make sure your security is not in danger on all levels. When I say, “Level” I mean on individual, company or institution wise, family or even work. So, what I want to say is you can investigate on everything where humans are involved.

But there is a catch, the individual should have social security and the company or institution should be legally authorized to work. Now how can you check if the website is legal or not? There are certification symbol on some websites you can trust those symbols. But if you don’t want to then trust the testimonials of the previous customers and also get some reputable websites from your friends and colleagues. When it comes to buying first auto loans I want you to be cautious while giving your information online. There are some websites, that are potential “Sharks” and you may want to run away immediately.

But, again there are two sides of any coin; you just have to save yourself from the dark and shine the brighter side.

I am sure there are websites that are reputable and excellent in providing you with various types of auto financing option for first time car buyers. Some of them will go out of their way and provide you with several auto loan rates from the lenders near your area. These websites basically, work like search engine for car loans for all types credit. So, it would be more beneficial for anyone to look for auto loans online.

What to Research For First Time Buyers Car Loans Programs?

Make the most out of the websites that provide you with the options to compare the auto loans. Some websites act like search engines for auto loans and do provide an option to compare all the auto rates at the same time.

5 Colorado Home Mortgage Refinance Loan Tips

Anyone living in Colorado may be able to save money on their monthly mortgage payment if they are paying on a high interest rate loan. Here are 5 Colorado home mortgage refinance loan tips to help you save money if you live in Colorado.

  1. Do a little research online to compare what is available before contacting a lender. If you can get a free phone consultation to discuss your options as well. A no pressure phone consultation gives you the chance to get your questions answered in the comfort of your own home. You can get comfortable with a mortgage adviser before you meet with them.
  2. Deal with a mortgage loan specialist who has access to many different lenders. This is important because each person’s situation is different. Being tied into a one size fits all mortgage plan does not work because anymore because today’s customers have so many different needs.

A Colorado mortgage loan specialist who does this for a living makes sense to talk to because they are going to be up to date on what is available in Colorado. They can look at your credit, your existing loan terms and rates, and customize a mortgage loan that gives you the best payment based on your current financial situation.

  1. Look at a wide variety of lenders to come up with the most savings on your monthly payment. The overall savings on your loan can really add up as well when you get a better mortgage rate or shorter terms. Colorado offers many different lenders to meet your needs and goals. Finding the right one with the right mortgage refinance package for you is important. Whether your goals is lower payments, getting some cash on the equity in your home, or paying your loan off earlier Colorado has many lenders to choose from.
  2. Competition is good in any business and this is true in the refinance industry as well. Borrowing money in Colorado is very competitive and this is a great benefit to you. Finding the best mortgage is easier thanks to the competition among lenders.

5 Right now is the right time to find the best Colorado home mortgage refinance loan because you have more control than any other time in history. The internet makes getting access to up to date information easy for anyone to do. Competition among lenders is at a all time high because they know what the other lenders are doing as well. This gives you a great opportunity to save money on your Colorado mortgage loan and put cash in your pocket if you need it.

Jeff Schuman invites you to visit his Colorado home mortgage refinance loan [http://www.Mortgage-Loan-Refinance-Mortgage.com] website. He is available for a free phone consultation to answer any questions you may have regarding mortgage refinancing for your home in Colorado. He will call you and in a brief and pleasant way discuss your financial goals and determine if refinancing is the best option for you. Because he has access to a variety of lenders he may be able save you money and put cash in your pocket at the same time. To have him give you a personal call please complete the short 30 second survey on his mortgage refinancing webiste here.