Piggy Bank Getting the Slops

Tuesday, June 26, 2012 at 1:48pm by Sandy Jones

The economy is shaking currency rates around like loose coins in a jar. With all the noise and fears in conjunction with market fluctuations and international relationships, the currency values are all over the charts. But which moneys are forecasted to do well in the future and which ones appear to be headed downhill for good?

 

Brazil and China

Although minor tensions exist between the two, Brazil has partnered with their biggest trading partner (China) in an agreement to conduct a currency swap. The deal gives their central banks the ability to exchange local currencies worth up to 60 billion reais or 190 billion yuan (equivalent to $30 billion and £19 billion). These funds can be used by the banks to boost bilateral trade, or to build up their reserves for a possible time of crisis.

China has transacted similar deals with Austraila (valued up to $31 billion), Honk Kong, and Japan. Beijing desires an altercated version of the deal, pushing for a settlement in yuan instead of US Dollars in an effort to reduce their dependency on the US dollar. This would actually benefit China’s attempt to make the yuan a global currency. However, as the BBC news reports, China’s slowing economy may be seen as a warning sign by some. According to Brazil’s Finance Minister though, China will continue to be their primary source of trading.

 

India

Financial activity in India has changed as well. Recently, the government increased by $5 billion the amount of their bonds that foreign investors can buy. Following the dramatic decline of the rupee’s value against the dollar, India has sought to increase demand for their currency. Given the 21% drop the rupee took against the dollar, the mere 0.2% increase coinciding with the announcement of higher bond availability was disappointing at best.

In the article released by Bloomberg, noted economists were complaining that the measures taken by the government were temporary and short-term. Sonal Varma, (Nomura Holdings Inc. Economist in Mumbai) put it this way: “The underlying issues of more economic reforms and cutting subsidies are still not being addressed. What has the government done to reduce the fiscal deficit and curb the current-account deficit?”

 

Australia

One of the few remaining AAA rated countries, Australia is gaining more attention for its currency value. China is also the biggest trading partner with Australia, yet even though there were worries over the slowed growth of that country, Aussie’s dollar remained steadfast. This drew the spotlight to the land down under and global banks have shown an increase in Australian dollar purchases.

Most recently, Russia’s central bank looked into the possibility of investing in the Aussie currency. They will allocate about $5 billion (equivalent to 1% of their foreign currency reserves) to Australia’s dollar-assets, including government bonds. In addition to the Russian interest, Germany also investigated the Australian monetary assets and has increased their meetings with Australia’s banks in discussing foreign-exchange strategies.

Even though it appears safer than most other currencies, Australia comes in second compared to the Japanese yen and the Swiss franc according to CNBC.com. Although it remains only a small part of the overall global forex reserves, the Aussie is capable of drawing in substantial capital inflows from portfolio and direct investment flow. While their Gross Domestic Product (GDP) remains relatively low, the economic growth appears quite positive compared to other countries.

 

Canada

Unfortunately, Canada is not doing quite as well as Australia or China, as pointed out by Bloomberg. In fact, the Canadian dollar dropped a total of 1.12% this month, the steepest decline since December. The decline is due in part to the decrease in retail sales – down 0.5%. Jim Flaherty, Canadian Finance Minister, made known his intentions of tightening mortgage terms to help avoid household debt crisis along with the other measures.

The Evolution of American Currency in 20 Pictures

Wednesday, June 6, 2012 at 8:42pm by Sandy Jones

You probably come into contact or use money almost every day of your life, but have you ever wondered how American currency came to be what it is today? Our money has gone through centuries of evolution in order to get to where it is now. Whether it’s the size, shape, color, or value, numerous changes have occurred throughout the years and the government still continues to make changes even today. Let’s take a look back at the evolution of American currency and how it got to what we now carry in our wallets.

 

 

Comments (0) | Filed under: Cash Flow, Fun

10 Financial Benefits of Living With Your Parents After College

Monday, November 21, 2011 at 4:33am by Site Administrator

By Eliza Morgan

The number of college graduates who move home is at an all-time high, according to a poll by the consulting firm, Twentysomething, Inc. The survey found that 85% of college grads will return to Mom and Dad’s nest after graduation in hopes of finding a job and saving money. Moving back home and turning to your parents for financial help has become the norm and it really pays off for some. Although living with Mom and Dad again may not sound very appealing, boomerang kids have the opportunity to save money, learn good personal finance habits, and become more financially secure before moving out on their own. If you’re one of the thousands of college graduates who is moving back with your parents, take advantage of this grace period and start saving and investing wisely.

  1. Save money

    The No. 1 reason kids move back home after college is to save money. Living with your parents allows you to save the money you would normally spend on rent and put it in the bank. Whether you pay the bills or live rent-free, saving is much easier when you live cheaply. The more money you can save while living at home, the better your finances will be when you move out.

  2. Develop good money habits

    Living at home can expose you to good personal-finance habits. Whether you want to obtain a credit card or start investing in a retirement fund, your parents can help you achieve financial freedom and develop good money habits for life. While at home, observe your parents’ financial habits and ask questions to get a good idea of how they spend their money and invest.

  3. Learn the value of money

    Many college students have misconceptions about money and enter the real world with a lack of personal financial knowledge. All graduates, including those who took out loans to pay for school, could use a refresher in the value of money. Living at home can help you learn the value of money because you’ll have less of it to spend and will appreciate the cash you do have.

  4. Financial security

    College grads who live at home have the financial security of their parents to help them stay afloat until they can move out on their own. Some graduates will get a free ride from Mom and Dad, while others will have to pay their dues for living at home. Either way you look at it, you’re getting a good deal. Having the financial support of your parents makes transitioning from college to the real world much easier.

  5. Invest sooner

    Moving in with Mom and Dad after college can make it easier to invest sooner. College graduates can save tons by living at home and the money they don’t spend on rent can be invested into a savings plan. One of the smartest financial investments graduates can make is to start a retirement plan, such as a Roth IRA. These investments will help you manage your cash flow and prepare for the future.

  1. You can learn from your friends’ mistakes

    Living at home allows you to learn from your friends’ financial mistakes. Many college grads jump the gun on moving out because they want their own space and independence. While some friends may live within their means and have no financial problems, many end up overspending and have to move back home. When you live at home, you can be a spectator and learn from your friends and determine the right time to move out.

  2. Pay off student loans

    Living with your parents after college makes it easy to start paying down your student loans. Living at home allows you to save tons, so you can afford to put more money toward student loans. Chipping away at these pesky loans will help you pay them off in a timely manner and free you from debt.

  3. Incentive to find a job

    Considering the current state of the economy and the rising unemployment rate, finding a job is a difficult and often demoralizing task for college graduates. Moving home may be the only option for graduates, but it may also be the ticket to getting a job. Depending on your situation and your parents’ expectations, you may not have a choice but to find work right away. Pestering from Mom and Dad may be just what you need to get serious about job hunting and finding a job. Once you secure a job and get them off your back, you’ll feel relieved and more financially independent.

  4. Build and/or fix your credit

    Living at home allows graduates to establish or fix their credit. It’s important to build good credit or fix a damaged credit score before you move out because many apartment owners and even employers conduct credit checks. If you’ve never had a credit card or form of credit, now is the time to do so. If your credit score is less than stellar, then you can use this time to improve it.

  5. Budget for the future

    It is far easier to budget for the future when you don’t have rent going out the door each month. Use this time at home to set a budget that will help you achieve your financial goals. Budgeting will also give you a better idea if you can truly make it without your parents and how much it’s going to cost you when you move out.

Comments (0) | Filed under: Cash Flow

Calculate This! 100 Financial Calculators Every Entrepreneur Needs

Thursday, July 14, 2011 at 1:27pm by Site Administrator

By Eliza Morgan

Many entrepreneurs don’t have the luxury of having a separate accounting department, instead doing their own number crunching. It’s not always easy, but you can make it less difficult by making use of the huge number of free financial tools for businesses that are available on the Internet. Here are 100 calculators that can help you get and keep your finances in order.

Business Operations

Don’t get caught off guard by the unexpected financial pitfalls of owning a business. Keep one step ahead with these useful business calculators.

  1. Break Even Analysis: Figure out how much you’re going to need to sell with your business just to break even. This can be helpful in creating a starting point for your sales goals.
  2. Business Valuation: Whether you are just curious, or want to sell your business, this calculator can help you determine the value. Just enter your cash flow and your expenses to get an estimate.
  3. Working Capital Needs: Find out what your business will need to keep going with this helpful calculator. It will take into account your short-term monetary obligations and figure out how much capital you’ll need so you won’t fall short.
  4. Financial Ratio: Sometimes there are areas of your business that will need special attention relative to others. Figure out what those are with this financial ratio calculator.
  5. Cash Flow: No matter what type of business you are in, keeping your cash flow in check is essential to a healthy business. See how much your business is generating with this calculator.
  6. Buying vs. Leasing: Sometimes it can be tough to figure out whether simply buying equipment you need will leave you better off in the long run than leasing. Put your costs into this calculator to find out which would suit your business’ needs best.
  7. Profit Margin: This calculator can help you determine how much you should be selling your products or services for to achieve a desired profit margin.
  8. Inventory Analysis: Keeping a not-too-little, but not-too-much balance of inventory can be tricky business. This calculator will help you figure out how to time your orders and how much to keep on hand.
  9. Sales Per Employee: Figure out what your salespeople are averaging with this simple calculator.
  10. Operating Profit Percentage: This calculator will help you compare your sales with what is left after the cost of your goods and operating costs.
  11. Return on Assets: See how well you’re managing your company with this calculator that compares net income to total assets. You’ll be able to find out how much you’re getting for every dollar.
  12. Debt to Assets: This calculator can help you determine to what extent your company is financed by loans and other sources of debt. The lower the number, the better your chances are of staying afloat financially.
  13. Starting Costs: Figure out the starting costs for your business idea before you start so there won’t be any surprises and you’ll know how much you’ll need to get things off the ground.
  14. Conversion Rate: Unsure how updating or changing your website will or did impact your business? Use this calculator to see how improving your online sales can affect your business.
  15. Pay Per Click ROI: Are your pay per click ad campaigns really paying off? See if your advertising is worth the investment with this calculator.
  16. Email ROI: The same goes for your email ad campaigns. This calculator will let you know if you’re generating enough sales or if you need to find another marketing strategy.
  17. Business Location, to Rent or Buy: Use this calculator to find out if your business would profit more from renting a location or buying one outright.
  18. SAP Value Calculator: The SAP Value Calculator for midsize business reveals how strong your business is today and how much additional value you can gain by improving your infrastructure.
  19. Double Your Money: Determine how long it will take you to double your money with this simple calculator.

Loans

Unless you’re bootstrapping it, or you’ve come into quite a financial windfall, it’s likely that your business will need a few loans to get up and running. Here are some calculators that can help you figure out how much you can borrow and what your payments will be.

  1. Commercial Loan: This calculator can help you determine your debt service coverage with a new loan, which can in turn help you determine if you’ll be approved.
  2. Alternative Payment Frequencies: If you’re not sure what payment method will work out best for your loan, try out different combinations with this calculator.
  3. Amortizing Loan: Use this calculator to determine how much money you can borrow based on the monthly payment you can afford.
  4. Balloon Loan: This calculator can help you determine if a balloon loan (short term but payments are based over 15 year period) might be better for you than a standard loan.
  5. Credit Line: Not sure how much money you can qualify for? Your line of credit is based on the value or your business or home and this calculator can do the math for you.
  6. Enhanced Loan Calculator: This calculator makes it easy to change all the elements involved with getting a loan (monthly payment, amount of loan, interest rate) to find the best combination for your business.
  7. Existing Loan: If your business already has an outstanding loan, you can use this calculator to determine how much longer you’ll be paying on them based on your balance and the amount of your monthly payments.
  8. Loan Comparison: Don’t let loans confuse you with different rates and terms. Compare loans directly with this calculator.
  9. Loan Prequalification: Use this calculator as an initial step in determining what kind of loans you can qualify for.
  10. Small Business Loan: Determine the best monthly payments on your small business loan with this useful calculator designed especially for businesses.
  11. Loan or Line of Credit: Use this calculator from Bank of America to find out if you should get a loan or a line of credit for your business start up or expansion.
  12. Term of Loan: Determine what length of loan you should apply for using this simple calculator.
  13. Blended Rate Calculator: Calculate the effective interest rate on multiple loans.
  14. Loan and Line Payment: Use this calculator to determine the amount of money you’ll be making as payments on your loan or line of credit.

Debt Management

Don’t let your loans get out of hand. Use these calculators to figure out the best way to pay back your loans and other debts.

  1. Business Debt Consolidation: Have multiple business credit cards or loans holding debt for your company? Use this calculator to find out if you’d be better off consolidating your debts into one monthly payment.
  2. Credit Assessment: Get a quick credit assessment with this easy-to-use calculator.
  3. Accelerated Debt Payoff: Get rid of your debt even faster using this calculator which will help you create a debt payment plan that can potentially save you money in interest fees.
  4. Credit Card Minimum Payment Calculator: While it might seem easier to just pay the minimum on your credit card balance, it can end up potentially costing your business thousands more. This calculator can help you determine the true cost of minimum payments.
  5. Credit Card Optimizer: This calculator helps you create the best distribution of your credit card debt to minimize how much you’ll pay out.
  6. Credit Card Payoff: Want to eliminate your credit card debt? This calculator will show you what it will take to pay off those cards.
  7. How much do you owe?: Not sure how much debt you actually have? Use this calculator to figure out where to begin paying off your debts by finding out where you stand.
  8. Credit Card Debt Roll-Down: You can get your debt under control and keep your business afloat. Here you’ll find a calculator that will help you determine what debts to pay off first to get you on the road to financial freedom.
  9. Credit Card Calculator: Choosing the right business credit card can make a big difference in the financial future of your business. Use this calculator to make the decision a little easier.

Investment

Make your business and personal investment tracking easy with these investment calculators.

  1. Asset Allocator: Whether you’re investing for your business or handling your personal finances, this calculator can help you determine the best way to spread out your money.
  2. Compare Investment Fees: Investing can pay off in the long run, but it often comse with some fees that can add up over time. Use this calculator to see what you’ll be paying over the lifetime of your investments.
  3. Investment Loan: Thinking of making a substantial business investment? Use this calculator to help you figure out if it’s a smart move.
  4. Investment Returns: See the big picture with this calculator that shows the impact of inflation, taxes and time horizon on your investments.
  5. Taxable vs. Tax Advantaged Investments: If you’re not sure what kind of investment is best for you, use this calculator to see the different between taxed, tax deferred and tax-free investments.
  6. Investment Savings and Distributions: Whether you’re designing retirement plans for yourself, clients or employees, use this calculator to determine how long your investment will last once you start cashing in.
  7. Interest Rate Converter: Compare the dividends from several interest rates at once with this calculator.
  8. Investment Offering: Use this tool to see both sides of the investment coin. You can calculate what investors in your company will get and what your company will have to give up to accommodate them.
  9. Landlord Calculator: Real estate can be a good investment, but is it the right one for you? Use this calculator to find out if being a landlord could be a moneymaker for you.
  10. Self Employed Retirement Calculator: This calculator will let you determine the maximum contribution you can make to your self employed 401(k).
  11. Risk Tolerance: Determine what kind of investments will be best for you based on how much of a risk you’re willing to take with this online calculator.
  12. Investment Goal Calculator: Make sure your investments are on track with this calculator.
  13. IRA Stretch Calculator: Stretch your retirement savings as far as they will go with this calculator.

Taxes

Unfortunately, taxes are an inevitable part of any business’ day to day life. These online tools will help make paying them just a little more painless.

  1. 1040 Tax Calculator: Keep up with your personal taxes using this calculator.
  2. 457 Payroll Deductions: Not sure how much of a difference changing your withholding will make? Use this calculator to figure out the difference before you make the change.
  3. Estate Tax Planning: Don’t let your children or grandchildren get burned by the estate tax. Determine what you’ll be liable for long before it becomes an issue.
  4. Net to Gross Paycheck Calculator: This calculator will help you learn what you need to earn each paycheck to meet a net amount.
  5. Self-Employment Taxes: Self-employed individuals are subject to different taxes, so use this calculator to figure out what you can expect to pay.
  6. Home Office Deduction: For those running a business from home, this calculator can help you determine if you can use your home or business costs as deductions on your taxes.
  7. Marginal and Effective Tax Rate Calculator: Estimating what percentage of your income old Uncle Sam is going to demand at the end of the year is essential to avoiding that end of the year tax surprise. Instead, this calculator will allow you to estimate the amount which will give you time to sock the necessary amount away.
  8. Gross Up Calculator: Use this calculator to determine the payroll taxes that should be deducted from bonuses and taxable benefits given to employees.

Personnel

Make the business of doing your payroll easier with these free calculators.

  1. Paycheck Calculator: Help calculate your or your employees’ take home pay after taxes and other deductions.
  2. Wage Conversion: Save yourself the mental acrobatics when converting wages from one periodic term into another (weeks, days, months, etc), making comparison and rates easy to calculate.
  3. Aggregate Bonus Calculator: Figure out an employee’s annual bonus with this calculator.
  4. Flat Percentage Bonus Calculator: Another bonus calculator, this one is based on a flat percentage instead.
  5. 401(k) Planner: Get your financial future on track with this 401k planning calculator.
  6. Salary Wizard: Find out if you’re earning what you’re worth as a freelancer or if you’re paying your employees enough with this salary calculator.
  7. Office Space Calculator: Not sure how much space you’ll need? This calculator will let you know how many square feet you’ll need for your business based on the number of employees you have.
  8. Annual Stock Option Grants: Use this calculator to see how your and your employees stock options might improve over time.

Personal Finance

Don’t lose track of your personal finances because you’re too busy with your business finances. Make use of these simple tools to manage your finances at home.

  1. Checkbook Balancer: Keep your personal budget balanced with this quick and easy calculator.
  2. Home Budget Analysis: Keeping track of where your money goes can be hard as it often goes out as fast as it comes in. Use this budget analysis tool to get a handle on your spending.
  3. Life Expectancy: Get an idea of how much you’ll need to plan for with this life expectancy calculator. Based on your health and lifestyle it will give you an estimate of your life expectancy.
  4. Net Worth: Determine your net value and how it can change with this calculator.
  5. Should my spouse work?: For many couples, especially those with children, the decision for one spouse to stay at home can be a hard one. See if your spouse can afford to stay home or should go to work with this calculator.
  6. Social Security Benefits: Get an estimate of your potential social security benefits with this calculator.
  7. Roth IRA Calculator: See how investing in an Roth IRA compares with taxable investments.
  8. Retirement Planner: Keep your retirement plan on track with this easy-to-use calculator.
  9. Retirement Income: How much will you have to live on when you retire? Use this calculator to figure out what your retirement savings will provide you with.
  10. 457 Savings Calculator: Use this calculator to figure out if a 457 savings plan can help you create a better retirement.
  11. Cost of Living Calculator: Compare the cost of living between different cities in the United States.
  12. Earning Potential: This calculator can help you estimate how much you can expect to earn over the course of your lifetime and what you can do to make the most of that money.
  13. Human Life Calculator: Use this calculator to determine how much life insurance you should be carrying.

Miscellaneous

It seems like there’s a calculator out there for everything, and here are a few more that can help you with your business.

  1. Basic Calculator: Meet your most basic calculator needs anywhere you have internet access with this online calculator.
  2. Basic Financial Calculator: This financial calculator can do all kinds of simple financial calculations.
  3. Compound Interest: Determine the compound interest on your holdings in a savings or investment account.
  4. Future Value: This calculator is used to determine what a sum of money deposited today will be worth at some point in the future based on a specific discount interest rate.
  5. Present Value: This calculator is used to determine what a sum of money to be received in a future year is worth in today’s dollars based on a specific discount interest rate.
  6. Music Business Profit/Loss Calculator: For those trying to make a music business or band the sole source of income, here’s a calculator that will help you determine which gigs are worth it and which you should pass up.
  7. Postage Calculator: Figure out how much you’ll need to spend on postage for bulk mailings or to send products to customers with this calculator from the US Postal Service.
  8. Carbon Dioxide Calculator: Environmentally conscious businesses can use this calculator to figure out the amount of carbon dioxide released by business operations and take measures to offset it.
  9. Best Workplace for Commuters Calculator: Also for the green business, this calculator will give you an estimate of the financial, environment, and traffic benefits of joining the Best Workplace for Commuters program.
  10. Small Business Safety Calculator: Workplace related injuries can be costly. This calculator can help you understand just how much you’ll owe even with accident insurance in place.
  11. Calculator.com: Find all kinds of calculators on this one convenient site, everything from lease calculators to feet into inches.
  12. Currency Converter: Doing business overseas is easy with this currency conversion calculator.
  13. How long til you become a millionaire? Use this calculator to find out how long it will take you to make the millions you’ve been working so hard for.
  14. Time Value Calculator: Figure out what your time is worth with this calculator that takes into account your spending habits and taxes.
  15. Gas Guzzling Calculator: Commuting to the office or to meet with clients? Find out how much the price of gas is hurting your bottom line with this calculator.
  16. Movie Star Comparison Calculator: See how your business revenues compare to the salaries of the biggest celebs with this just for fun calculator.
  17. Coffee Habit: See how much that morning Starbucks is really costing you with this calculator; money you could be putting in your business or your savings account.

33 Ways an Amateur Photographer Can Make Money Online

Friday, June 18, 2010 at 5:55pm by Site Administrator

Trying to make a living as a photographer is tough. You have to deal with odd schedules, low-paying gigs, and sometimes long breaks between work. The Internet can help make working as a photographer a little easier. You can post your portfolio online, network with potential clients, and even find new and possibly high-paying jobs. Following is a list of 33 innovative ways amateur photographers can make money online. Work with Online Companies

Existing online companies are constantly looking for photographers to supply them with photos that they can sell to their own customers. Check out these sites to get a piece of the profits.

  1. Buy a Photo: This website serves as an online photography store. Visitors can browse through their catalog of photos, and then purchase the ones they want.
  2. Shutterstock: Bloggers, designers, and anyone in the market for photos can download them from this site to use for their projects. If your photo is chosen, you’ll get a cut of the profits.
  3. Share A Pic: This company pays photographers through PayPal and Google AdSense. Upload as many photos as you’d like to increase your chances of being published.
  4. Digital Railroad: This site connects you to buyers from professional organizations who are looking to purchase and publish photographs.
  5. Fotolia: Register with this system to sell your photos. You’ll make making money each time your photo is sold to a new customer.
  6. Alamy: Get 65% of each sale when you work with Alamy, "the world’s largest online collection of stock photography." Alamy makes photographers do a little more work than other stock photo sites, but you’ll get a much larger share of the profits.
  7. CameraDollars.com: This company pays photographers to upload digital images onto their site.
  8. PhotoBiz.com: Join PhotoBiz.com to make money for submitting your photographs. You’ll also meet new customers who with any luck could become your personal clients.
  9. Instaproofs: With Instaproofs, you can upload whatever photos you want. Read the marketing tutorial to learn more about meeting and working with new clients.
  10. Backprint.com: Sell your photos through Backprint, and take advantage of their custom marketing campaigns and private label services.
  11. Photo Stock Plus: Maintain the rights to your photos and earn 85% of the profits when you affiliate your services with Photo Stock Plus.
  12. dotPhoto Pro: At dotPhoto Pro, their number one mission is to "empower the professional." As an artist and a business person, you have the control to sell whichever photos you want and set your own prices and print sizes.
  13. MorePhotos.com: This website lets you upload and organize your photos and set up a shopping cart for customers.

Selling your photos

Find the entrepreneur in you, and sell your photos to buyers online. These sites will help get you started.

  1. Show Me Proofs: Register for this free program which allows you to sell photos through your website. The best part? You get to keep 100% of the profits!
  2. Zooomr: Their website boasts that Zooomr is "universally the best way to share, search, store, sort and sell your photos online."
  3. Photoblogs.org Create an account to become a member of the Photoblogs community. Your blog will appear on their website, connecting you to an unlimited number of potential buyers and contracters.
  4. Image Display Works: This online software designed especially for photographers allows you to sell photos and other photo products from your website. Sign up for direct deposit, and you’ll be able to see your profits instantly.
  5. Smug Mug: Set up your own photo gallery using Smug Mug. Get valuable tips and read funny photo session stories on the site’s forum.
  6. ProBlogger.net: Learn how to design a sleek, profitable blog, on which you can post and sell your photos.
  7. Lulu: Publish your images on the Internet quickly and easily. Lulu allows you to set your own prices and remain in control of your copyright.
  8. Shutterpoint: Learn the ins and outs of selling photos online when you participate in Shutterpoint’s photo store. Earn 85% of the profits, and then start your own online shop once you’ve learned the ropes.
  9. Easy Store Creator: Download free shopping carts and other handy merchandising tools that will turn your website into an online store.
  10. PMA: Visit the Web site for The Worldwide Community of Imaging Associations to learn marketing strategies and other money making opportunities for independent photographers.

Miscellaneous

From contests to consulting, you’ll find more money making opportunities here.

  1. Snapfish.com: In addition to developing beautiful prints, this site also allows you to create mugs, cards, and other promotional items that feature your photos. Have fun making these items, and then sell them on your website to make extra money.
  2. Jyve: Earn money by becoming a consultant over AIM or Skype for Jyve.com.
  3. Just Answer: Just Answer is another site that hires freelance consultants to participate in Internet dialogues. Share your photography expertise with people around the globe.
  4. Guru.com: Join Guru.com’s directory of freelance professionals and wait for employers to come to you.
  5. Spy Media: With Spy Media, you can either upload the photos that you have or go out on actual assignments requested by buyers and the company itself. Earn money for each photo.
  6. Citizen Image: Photo categories include: news, sports and entertainment, travel and daily life, and creative. Submit photos, and earn money whenever they are published.
  7. FotoSurf Monthly Contest: This website sponsors monthly photo contests. Upload your photos to be considered in the voting process.
  8. Proof Positive Photo Contests: Proof Positive sponsors several contests year round. Check out this page for deadlines, guidelines, and prize information.
  9. Elance: Use this job board for freelancers to offer your services as a Web designer. Custom design existing photos to fit a website’s theme or take new photos as assigned by your clients.
  10. PhotoServe.com: Become a member of this photo community to connect with buyers all over the world. PhotoServe conducts year round marketing promotions to make sure your portfolio is seen by the right people.

Photographers don’t need to just rely on the occasional wedding gig to make extra money. There are plenty of opportunities to make money online as well. Try out a few of these. You might end up being successful enough to quit your day job!

50 Ways to Make Money During Your Offtime

Tuesday, May 4, 2010 at 6:07pm by Site Administrator

With the dawn of Web 2.0, making money on the Internet has never been easier. Whether you’re in the market to make some extra cash on the side, or you’re trying to create a livable income from your online endeavors, there are numerous ways to make money through the Internet. Below is a list of 50 ways you can cash in during your free time.

Blogging

Blogging is one of the easiest, most straightforward ways to brand and market yourself on the Internet. By being your own boss, you can decide the subject matter of your posts and how often you want to write articles. Take advantage of these smart money making ideas to make the most of your blog.

  1. Start your own blog: If you haven’t already started your own blog, you should go ahead and create one now. Use WordPress to help you get an overview of what blogging is, as well as see all the different kinds of designs, tools, and other custom options you can feature on your blog. Blogs can be real moneymakers, as you’ll find out from the following tricks and ideas.
  2. Write paid reviews on your blog: Setting up your blog so that companies can post advertisements on your blog is one way to make money, but another, more profitable trick is to review the actual products for them, for a fee of course. Read more about paid reviews and Pay Per Post on Pureblogging.com
  3. Google AdSense: Setting up Google AdSense on your blog is an easy way to make money without spending any time. Once you’ve registered your domain for AdSense, Google will post relevant ads from participating advertisers onto your blog. When readers click on the ads, you receive a percentage of the ad revenue. Click on the Google AdSense page to learn more.
  4. Ask for donations: It seems tacky, but asking for donations to help support your blog is actually quite common. Convince your readers that they’re helping your cause: without a little financial support, you may not even be able to continue blogging. Don’t ask for a large sum, and be grateful for anything you do get.
  5. Link your professional website to your blog: Drive traffic to your homepage to transform readers into potential customers.
  6. Blogads.com: This site is another source that will put you in touch with advertisers. Here you can find out how you can play a more active role in selecting the kinds of advertisers you want to promote.
  7. Bidvertiser.com: Search through this website’s directory of approved advertisers to find the ones that best suit your blog or website. You get paid each time someone clicks on the ads.
  8. Write for Thisisby.us: Thisisby.us is a website that fosters a community of both writers and readers. Sign up to write for the site and earn 50% of the revenue. Or, you can just browse through the posts and comment on various articles, earning you 10% of the revenue.
  9. Freelance for Suite101.com: This site publishes articles on all sorts of topics, from sports to history to pop culture, and more. Sign up to write short articles and blogs, while earning money. You can participate as an entry level writer or a feature writer depending on how much time you have to devote to the project. This site is a great resource for those who are looking to further their freelancing opportunities, or for those with steady jobs but want to earn a little more cash.
  10. Search Engine Optimization: Read about how to increase your blog’s appearance in search engines at CourtneyTuttle.com.
  11. Weblogs, Inc.: Get paid for one of nearly 100 blogs featured on this site.
  12. BlogToProfit.com: Join this networking community to get in touch with the companies who want to advertise on your blog.
  13. DayTipper.com: Get paid $3 each time you submit a tip. You don’t have to spend lots of time developing a whole article, and the tips can be about nearly anything, like pets, technology, travel, or finance.
  14. CafePress.com: This idea was inspired by Mike Peed, as seen in The Washington Post. Designing and selling t-shirts, underwear, and other promotional items with your blog’s logo will give you instant profits, as well as boost your advertising off the Web.
  15. Crisp Ads: Crisp Ads boasts that it is the "premiere blog advertising network." The site strives to give bloggers and advertisers the exposure they crave by creating relevant matches and partnerships.

Online Investing

Register with one or several of these online brokerage firms to watch your money work for you. You’ll get updates on the stock market, and you can buy and sell at virtually anytime you want, quickly and easily.

  1. InvestingOnline.org: Check out this site before you start investing serious cash on the Internet. Take quizzes to gauge whether or not you’re ready to tackle the world of online investing, read about your rights as an investor, and more.
  2. ShareBuilder: This website is designed to walk investors through each step of learning and executing trades on the market.
  3. E*Trade Financial: E*Trade Financial is one of the most popular sites for online investing. Its website claims to manage 4.3 million accounts across the globe.
  4. TD Ameritrade: TD Ameritrade allows you to trade as much or as little as you’d like. If you’re looking to kill a little extra time at the office each week or at home, this website is worth checking into.
  5. Fidelity: Start putting away for your retirement early on with profits you make trading with Fidelity.
  6. Sify Walletwatch: This site is an all-in-one toolbox for getting updates on stocks, managing your trades, and learning new tricks for profitable investing.
  7. 2BuyShare.com: Buy and sell stocks while you read articles devoted to making you a better trader.
  8. Scottrade: Allow the brokers at Scottrade to make money for you, while you spend time at your day job.
  9. Bank of America Investment Services, Inc.: Read about what Bank of America can do for you and your wallet with its investment services.
  10. BondsOnline.com: Conduct research about and trade your bonds using this great online investment tool.
  11. HedgeStreet: Open an account with HedgeStreet and start trading in currency, oil, gold, and silver.

Miscellaneous

Learn about online surveys, becoming a virtual assistant, and more!

  1. Become a Virtual Assistant. Only be as involved as you want to when you’re a virtual assistant. Setting your own boundaries and list of clientele will allow you to either work as a VA for your full-time job, or just on the side. A virtual assistant is similar to a personal assistant, only all of your work and communication is completed over the Internet and/or phone. Read more about becoming a VA on the Virtual Assistant For You homepage.
  2. Flixya.com: By sharing photos, blogs, and videos on this site, you can earn 100% of your total generated ad revenue.
  3. YellowSurveys.com: This site boasts that participants can make $10-$150 an hour taking fun, exciting paid surveys. Follow the link to learn more and sign up.
  4. You Tube: Follow the link to You Tube’s Web site to learn how to quickly make money by posting your home videos on their site.
  5. Sell items on eBay. eBay is another simple resource for making money online without having to put in much time. Once you’ve registered for eBay and posted whatever product you’re trying to sell, you just wait for the bidding to end before shipping off your merchandise.
  6. Play-Asia.com Affiliate Program: Sign up to earn store credit at Play-Asia.com, an online retailer of video games and other entertainment products. Refer other Internet surfers to their Web site by posting their link wherever you want.
  7. SurveyClub.com: Set aside a few minutes every once in a while to take online surveys and earn some easy money.
  8. PicFury.com Affiliate Program: Join the affiliate program for PicFury.com, and your photos could be seen all over the Internet. You make money based on the amount of impressions each photo receives.
  9. eBooks: Read more about writing and selling your very own eBook on the Internet by following the link.
  10. Freelance as a Web Designer: Even if you don’t have the time or the resources to design an entire company’s website, you could still put your web savvy skills to use by coding and designing a blogger’s site. Visit FreelanceDesigners.com to see what other freelance designers are doing, and how to advertise your own services.
  11. CashCrate: Complete free offers, try out new products, and take surveys to earn quick cash.
  12. Shutterstock: Submit your photos to this Web site, and "get paid every time one of your photos is downloaded" from their directory.
  13. Become a Millionaire in "Second Life." Read this article about how to make real money by participating in a virtual economy.
  14. Set up an Online Store: Whether you’re trying to get rid of several used items around the house, or you’d like to start your own business selling handmade products, add an online shopping cart to your website and start contacting customers. Try using this software to get you started.
  15. $$$Secrets.com: This tutorial shares secrets for making big money on the Internet.
  16. Log on to JobThread.com: Post a JobThread widget onto your Web site or blog and earn major cash. You can request a certain job field that is relevant to your site; for instance, if your blog is about pets, JobThread will post job openings for veterinarians.
  17. InnerSell Inc.: This site advertises that you can, "Earn additional income when you use the InnerSell system to connect those customers who want what you don’t sell with trusted Vendors."
  18. Amazon.com Affiliate: Read this article by Scott Allen to better understand the system behind the Amazon.com Affiliate program. You can make easy, fast money with little effort.
  19. A1Tutor.com: Become a tutor by logging on to this learning network.
  20. ShoppingJobs.net: Getting paid to shop seems like a dream, but you really can make money by shopping and eating out.
  21. Be a Host or Moderator for a Web site. This article by Kelly Land gives tips for becoming a paid host online.
  22. Start your own Credit Card Business. This idea may seem like it would take up a lot of your time, but it really won’t. Read the article, and earn some extra spending money each month.
  23. Virtual Vocations: Check out this site for tons of easy jobs you can do from your own computer.

Hopefully there are at least a few ideas here that strike your fancy and will help you start making money on the Internet in no time, whether on your breaks at work, at home, or even on vacation. There are so many options out there that there’s bound to be something that works for you.

Get Paid: 20 Online Invoicing Tools

Wednesday, January 23, 2008 at 12:58am by Site Administrator

If you’re running your own small business or selling services and products over the Internet, you know that getting your clients and customers to pay up can often be a challenge. This list of tools will help you stay on top of your finances so that you can accurately track pay dates, invoice numbers, client contact information and transactions online. Wherever you can find a computer, you can access all of your company’s billing information easily and securely. 1. BillMyClients.com: Freelancers, small companies and large corporations can take advantage of this online invoicing solution that features three separate systems designed to help all kinds of business owners keep track of their finances and "quickly and easily create and print invoices and bills." 2. Blinksale: This "elegantly-designed web-application" can help anyone create and send invoices to clients and vendors. Users can upload contact lists for easy record management and use a tagging system to organize archived and pending invoices. 3. 2ndSite: Manage your invoices and billing records online with 2ndSite, a company that helps you get "paid faster," according to one reviewer. 4. FreshBooks: Its website claims that FreshBooks is "the fastest way to track time and invoice your clients," and their easy-to-use system is especially popular with small businesses and freelancers. 5. BambooInvoice: If you run your own company or freelancing business, try out this open-source invoicing solution to bill your clients and manage your data. According to the website, you’ll "never need to trust your invoicing data to anyone else, and you can get it out of the system easily." 6. Invoice Journal: The DownloadSquad gives this Web-based system a positive review for it’s simple structure and no-frills website. 7. Simplifythis: Simplifythis promotes "business made easy." This attractive, professional-looking solution lets companies organize financial data in a clear, concise manner. 8. BillingOrchard: BillingOrchard in an online system that does more than just basic invoices. Freelancers and business owners can set up recurring billing and time billing options to manage the different needs of all their employees. 9. Invotrak: Instead of buying expensive software, use Invotrak to set up, send out and manage your invoices and bills for free. 10. Bank of America Online Banking: Bank of America’s online banking center helps small businesses supports a "premium online invoicing service" for companies "to create and send invoices online using customizable templates." 11. ToadTime: Metal Toad Media supports ToadTime, an online invoicing system used along with QuickBooks to help you manage your time, project collaborations and more. 12. EZ Invoice, Inc. (EZI): This software system runs on your website’s server so that you can manage all of your client information and business applications on one spot online. 13. SuperInvoice: Windows users should try out SuperInvoice for secure, professional invoicing services hosted online. The system also lets users keep an address book, host password-protected invoice sharing and more. 14. Time59: Time59 is marketed towards independent professionals and contractors, and its sleek look makes it must-use tool for those who work with higher-profile clients and associates. 15. 21st Capital Corp: This company offers several online financial tools, including an easy-to-use invoicing system and QuickBooks integration capabilities. 16. Invoice4u: This online invoicing solution has features like high security standards, a customer messaging system, invoice customization options and more. 17. Simplybill: Simplybill is "ridiculously easy to use" and can help non-techies manage and send out professional-looking invoices for all their clients. 18. Invoicera: Consider using Invoicera to take advantage of their user-friendly online invoice billing system. 19. ST Web Invoice: This online invoicing program pulls from the AJAX software tradition of creating a smart, workable system combined with maximum usability. Use ST Web Invoice to create and design invoices and then e-mail them to your clients and vendors instantly. Payments can also be accepted online. 20. PayPal: If you’ve only been using PayPal for your eBay purchases, it’s time to upgrade. Try out their invoicing services for fast, trustworthy transactions.

49 Places to Find a Discount on Everything

Wednesday, December 19, 2007 at 2:23am by Site Administrator

With increasing gas prices and a weakening dollar, retailers are concerned about fighting for the attention and cash flow of consumers. It seems as though everyone is looking for a discount, whether it’s on food, electronics or travel deals. Check out this list for 49 places to find great discounts on just about everything. Electronics Read below for sweet deals on computers, DVDs and other electronics. 1. eCOST.com: eCOST.com is "your online discount superstore," providing customers with discount laptops, GPS systems, DVDs, video games, cell phones and accessories, TVs and more. Featured brands include Sony, HP, SanDisk, Canon and Nokia. 2. CNET Clearance Center: After reading the experts’ reviews of your favorite electronics, check out the website’s clearance center to find printers, paper and other electronic office supplies. 3. DiscountElectronics.com: This Texas-based company sells individual desktop parts, wireless routers, speakers, all-in-one printers, and cables at prices much lower than those found in regular stores. 4. TigerDirect.com: TigerDirect.com supplies a wealth of electronics at low prices that are "simply not possible anywhere else." Find iPods, keyboards, gaming hardware, PCs, cell phones and more from brands like Logitech, Sandisk, Canon and Apple. 5. SavingLots.com: This discount consumer electronics site allows customers to pay for their finds– from karaoke machines to navigation systems — with PayPal or the Google Checkout service. 6. SourcingMap: Find top electronics at wholesale prices at SourcingMap, "the world’s first factory-direct online superstore." 7. Geeks.com: Computer geeks will love the selection of computer parts, media accessories and other fun gadgets offered at discount prices. Check back often for seasonal specials and other deals like the "no payment for 90 days" feature. 8. Audio Discounter: Audio Discounter encourages shoppers to "find the best", and they "will make sure you can afford it." From adapters to headphones to Bluetooth accessories, Audio Discounter has all kinds of products at great prices. 9. Lapantz 4 Less: Low cost electronics are the specialty at Lapantz 4 Less, where Guitar Hero can cost as little as $64.99 and laptops are available at discount prices. 10. Electronic Liquidators: Printers, scanners, desktops, handheld devices, memory cards and other electronics are all sold at Electronic Liquidators, where you can compare their discount prices to prices at retailers like BestBuy and CompUSA. Auto Parts Find discounts on auto parts for your car, truck, SUV or jeep by visiting these websites. 11. Advance Auto Parts: Shop online or search for a store near you at the Advance Auto Parts website, where the company proves to be "a leader in the automotive aftermarket industry in parts availability, price, and customer service." 12. Discount Tire: Discount Tire is a popular company among drivers because of their free tire repair and low prices on other maintenance projects. 13. Auto Parts Warehouse: Shoppers can "save up to 50% everyday" at the Auto Parts Warehouse. Search for bumpers, door handles, fan blades, exhaust systems, mirrors and more for plenty of automotive DIY projects. 14. CarJunky.com: This site features an easy navigation system, allowing shoppers to search by their car’s year, make and model to find the appropriate parts. 15. AllUsedCars.com: Search for used cars and trucks all over the U.S. with this helpful website. Those looking to sell their cars can also register to place an ad. Travel Indulging in a fabulous vacation doesn’t have to empty out your bank account. Look to these sites and resources to get great discounts on everything from hotels to transportation. 16. TravelZoo: Find deals on cruises, airfare, car rentals, vacation packages and even last minute trips, all at TravelZoo. 17. Hotwire: Hotwire is known for having some of the best travel deals and packages on the Web. Check out their site for advice and discounts on local vacations or international trips. 18. SideStep: SideStep is "the traveler’s search engine." Use their search tools to compare prices with other sites to make sure you are getting the best possible deals. 19. STA Travel: This travel website connects students with cheap airfare, hostels and hotels, travel loans and other discount packages. 20. Ding!: Ding! is a popular tool from Southwest Airlines that allows travelers to select favorite Southwest destinations leaving from their city. When unbeatable airfare deals pop up, travelers are notified by a Ding! on their desktop.

Entertainment

Waiting in line at a game or the movies is so old-fashioned. Use these websites to find cheap tickets, movies, games and other entertainment steals from your computer. 21. Outlet Trail: Find everything you need from discount electronics and collectibles to sporting goods, holiday decorations and more at the Outlet Trail. If you’re not happy with your purchase, you can take advantage of the 30-day money back guarantee. 22. Your Bargain Mart: Shoppers will find discount electronics, sporting accessories for surfing, hunting, and team sports, toys, games and many other entertainment products at Your Bargain Mart. 23. Complete Tickets: This website offers discount tickets for major sporting events, concerts, theatre events, movies and NASCAR races. 24. The Entertainment Book This annual publication contains coupons for movie tickets, sporting events, travel deals, restaurants and more. 25. Cheap Premium Tickets: Tickets to concerts, sporting events, Las Vegas shows, the Olympics and other special events are all sold here without service charges or other hidden fees. 26. Cheap Fun Wines: This blog features economically priced wines, wine accessories and wine-related vacations and entertainment ideas.

Clothing and Accessories

It’s time to shop ’til you drop! With discount prices on designer clothes, shoes and accessories, you’ll have a blast shopping on these sites.

27. The 15 Dollar Store: From pants to coats to swimsuits, everything on this website is just $15. 28. Bluefly: Men’s and women’s designer clothing and accessories are marked down to more affordable prices at Bluefly.com. Featured items include Vera Wang dresses up to 40% off and Jimmy Choos pumps up to 20% off. 29. StyleMaven Sample Sales: Check out the Sample Sales directory from StyleMaven to attend discount shopping events in cities like London, LA, New York and San Francisco. 30. Top Brands Direct: Clothing brands like Hugo Boss, Dolce & Gabanna and Ralph Lauren are available at discount prices here. 31. SourcingMap: Browse through funky jewelry and handbags for just a few dollars each at SourcingMap. 32. Overstock.com: Overstock.com is an online outlet store full of goodies for the whole family. Pick out jewelry, shoes, clothes, furniture and home decor and appliances here. 33. Overstock Jeweler: Deck yourself out in all the baubles and bling that your favorite celebrities are wearing on the red carpet. This site has everything from Tiffany-inspired jewels to baby charms to cufflinks and more, all at discount prices.

Gas

Find the cheapest gas in town with these helpful tools.

34. GasBuddy.com: Search by city, state or province to find the cheapest gas closest to your U.S. or Canada-based home or office. 35. GasPriceWatch.com: If there’s a gas station in your area offering gas at discount prices, you’ll find it at GasPriceWatch.com. 36. MSN Gas Prices: The MSN Autos page allows users to type in their zip code to search for the least expensive gas in their area. 37. mobGas: Sign up with mobGas to have maps of local stations with cheap gas sent directly to your phone.

Health and Wellness

Taking care of your health doesn’t have to be overly expensive Check out these programs and deals that will help you save money on health and wellness.

38. TheMedicineProgram.com: TheMedicineProgram.com offers families a free prescription card that saves you money "at over 48,000 participating pharmacy locations," including most major pharmacy stores. 39. Drugstore: This "truly convenient, always reliable [and] totally professional" online drugstore provides pharmaceutical drugs at discount prices. Patients can also take advantage of free shipping on all drug orders. 40. Outlet Trail: The Outlet Trail also sells discount exercise equipment. Get the Bowflex Blaze for just $749.99 or the Bobby Bully sparring partner for $169.99. 41. Fitness Discount Outlet: Fitness Discount Outlet is "a health and fitness super mall" for online shoppers. From gravity boots to treadmills to weights, this site has everything a home gym needs. 42. A1 Nutrition: Health and fitness fans can find all kinds of nutritional supplements like creatine, meal replacements, and herbal blends at discount prices at the A1 Nutrition store online. 43. Net2Fitness: Net2Fitness is another online store that specializes in discount home exercise equipment like resistance bands, bars, ankle weights, kickboxing gear, rowing machines and more. Miscellaneous 44. Discount Cookie Bouquets and Food Gifts: Sending a cookie bouquet for a birthday treat, office party or any other special occasion is now more affordable with this discount shopping option. 45. Deal News: Deal News is a website that reveals the day’s best sales and deals. Shoppers can also search for coupons at retailers like eToys.com, Staples, Sears and more. 46. Sale Pirate: Visit this site "where everything’s on sale." From Christmas supplies to books to kitchenware, shoppers can take advantage of the super low prices. 47. Edible Nature: Natural and organic food lovers can find herbal teas, spices, coffee, supplements and other food, bath and body items here at discount prices. 48. Deep Discount: Movie buffs will have fun searching for discount Blu-ray DVDs, movie posters and other memorabilia, at prices as low as 99 cents. 49. Half.com: Half.com is a reduced-rate online store sponsored by ebay. Shoppers can find new and used items like books, CDs and DVDs for unbelievably low prices.

 

Entrepreneurial Tips: Separating Wants From Needs – or – How to Learn Hard Business Lessons

Monday, November 26, 2007 at 3:15pm by Site Administrator

Between 1993 and 2002, I’ve started and run at least five businesses of my own, sometimes by accident or even by request: monthly print magazine, band management, band bookings, concert promoter, and mobile recording studio owner, in that order. That doesn’t include my web consulting nor what I’m doing now, as an online publisher since 2005, which has been more fruitful than all the other businesses combined.

None of the early businesses succeeded financially, but for all primarily different reasons. Though there was one factor that helped sink them all: not being able to separate wants from needs. This violates a major principle of bootstrapping cashflow: getting overwhelmingly into debt when there’s little or no revenue. Keep this in mind as you read this brief history of my business startups.

1. The Magazine
The magazine was a critical success, though it was hard to sell advertising while simultaneously trying to do a Master’s degree. When my degree supervisor came to me and said I had to choose to focus on the degree (research was already completed) or the part-time, poorly paid job he’d given me, I choose to take a full-time job as a technical writer – a job I landed in part because of my magazine publishing efforts. But having to work long hours over the next two years led to my magazine folding – since I still couldn’t find committed ad sales reps who also wouldn’t lie about what they’d been up to. Also because I wanted to compete with a magazine I used to work for that published biweekly. A big mistake.

2. Band Management and Concert Booking
After the magazine folded, I somehow ended up managing the bands of some of my writing staff – by request. That turned into booking shows at local nightclubs, including up and coming Canadian acts. Before I knew it, I was fully or partly involved in managing something like 40 bands, plus jointly helping another manager with another 20 bands.

All of that resulted in additional money down the drain, primarily because the town I booked most of the shows in was in a recession. Clubgoers would rather fork over $5-10 to hear a DJ play recorded music than $3 to see an act they never heard of. That’s a very important economic detail that I wasn’t aware of as affecting the entertainment industry. But I’d want to seem like a big shot and had bought six months worth of advertising in the local college newspaper, as well as booking increasingly more expensive acts. A big mistake.

3. Web Consulting
Both the band management and the local concert booking efforts went down the drain, not to mention making my co-workers jealous, despite my financial losses. This contributed partly to losing my job – but not before I’d become a webmaster and not only gone back to my computer programming routes but seeded my love for working online.

I took a couple of salaried jobs in Toronto and area after that, but eventually struck out on my own as a consultant again – this time for web development. I got in in 1989, before the 2001 bubble burst, and did relatively well, ending up in Atlanta, Georgia, in 2000. Except I didn’t study the North American Free Trade Act properly before proceeding.

4. First Attempt at Moviemaking
I was doing so well in Atlanta and loving the work at the Weather Channel, that I wanted explore my old desire of making movies. I found a young aspiring actor who resembled James Dean. I had a screenplay from a friend back in Canada, and I purchased a low-end Sony camcorder to add to my collection of four still cameras. I also purchased cheap video editing software for my then high-end laptops, eight TV sets, VCRs, and other equipment.

This moviemaking venture was nipped in the bud when I returned to Canada in early September 2000 to visit my mother and was refused entry back into the U.S. Not only did I lose an incredible contract working with great people and a fascinating opportunity (heavy weather phenomena), all of my belongings were left behind in Atlanta. My landlord and his wife – who was once one of my workmates – never returned my phone calls or email.

So that was the end of not only $30,000 worth of equipment but the loss of about 100 music compositions on my laptops. Once again, my wants overtook my needs. I didn’t need ALL of that equipment (however, I’d already had some of it when I went to Atlanta). This business was over really before it started.

5. Music Composing and the Mobile Studio
By this point you’re probably wondering how many times one entrepreneur can make the same mistake. Wait, there’s more.

I licked my financial wounds back in Canada and managed to land some interesting web consulting contracts, but nothing as exciting as the work I did for the Weather Channel, nor as lucrative. (Canadian companies never want to pay me as well as I can get in the U.S.)

Still, my long-term interest in music, as well as my original desire to be involved in movies led to my laying down five figures – mostly on credit – to buying a couple of racks of home studio recording gear, nine guitars and basses, and five synthesizers – including reputedly the only copy in Canada of an Alesis synth that was digital replica of old analog style synths. Cost: about $5000.

Result: almost none of my musician friends and acquaintances thought much of the idea of my going to their homes/ practice lofts and recording a few of their songs for free. They wondered what my motivation was.

6. Digital Entrepreneur
After 9/11 and the burst of the online bubble, I lost my “sure” contract and subsequently had trouble getting computer consulting work, even with my skills and having authored a book. Once again, my business wants seemed to overrule my business needs and cost me dearly. I had to sell off my recording equipment at maybe thirty cents on the dollar (not including the cost of the various loans).

Jaded about consulting, I eventually found my way into digital entrepreneuring and online publishing. While I’m not making anywhere close to what I did as a web consultant in Atlanta, I’m enjoying this “startup”, have some freedom of projects, and opportunities that if successful will earn me beyond what I’ve made in the past.

What am I doing differently? Two things. Firstly, I’m doing mostly partnered projects – beyond my freelancing. Secondly and most importantly, I’m not allowing my business “wants” overtake my business needs. In other words, I’m bootstrapping my cash flow the right way.

Better than Monster: 50 Free Places You Can Post A Job Online and Get Top Talent

Wednesday, November 21, 2007 at 8:39pm by Site Administrator

Finding the right candiate for your job can be an uphill battle. With unqualified applicants, resume spam, and the housands of other jobs out there, it’s a miracle just to get a handful of winners to interview. You can usually increase your pool of potential candidates by posting your job on an online site like Monster or CareerBuilder, both of which are visited by thousands of employment seekers each day. But when posting on sites like these, you’re likely to run into high fees as well as unspecialized candidates. Instead of wasting time and money on those sites, check out these 50 sites that offer free, and often specialized, job postings for employers.

General

These sites have postings for nearly any job you can imagine.

  1. JobAdsUSA: Get unlimited free job postings from JobAdsUSA with great features like resume alerts to let you know when you might have found the perfect match among hundreds of thousands of resumes.
  2. JobFoxter: This free job database is one of the largest out there, so get your job listed and start finding applicants from anywhere in the world.
  3. Free Agents Jobs: Get unlimited free posting on Free Agents Jobs as well as the ability to add your company logo and even keep tabs on interest in your postings.
  4. Hire Fire: Don’t let the name fool you, this isn’t a site at all about firing. Employers can post jobs and get alerts when resumes matching certain criteria are posted.
  5. Good Recruit: Make finding new employees easy with this site. You’ll get access to all resume and contact information for all potential candidates as well as the usual job posting abilities.
  6. Job.Ad.Venture: Post your job listing on Job.Ad.Venture for free and get access to resumes from specialty sites focusing on programming, database professionals, healthcare, marketing, sales and more.
  7. Job Spider: Post jobs for hundreds of types of positions on Job Spider. You can also browse a wide selection of resumes to see if there’s someone out there looking for a job like the one you’re offering.
  8. Learn4Good: Search for employees worldwide with this job posting site and post up to 20 jobs a month absolutely free.
  9. LuckyDogJobs: LuckyDogJobs is a free job posting site for everything from accounting to engineering, helping you find the people you need to keep your business up and running.
  10. CareerOneStop: Gain access to resumes from job banks all over the country and post your own jobs on this Department of Labor website.
  11. Jobvertise: Make the most of the largest free job and resume site by putting your job on Jobvertise. Employers can post jobs for free and gain access to almost half a million resumes of job seekers.
  12. StaffingLinks: This free service can help you find the staff you need. Add your company’s website to the database and get started searching for your next employee.
  13. PersonnelDesk: Set up an account on this site for free job posting and resume searching as well as links to numerous other job posting sites.
  14. Job Island: Your business can use this site to post jobs, search resumes, and even set up a job RSS feed.
  15. Jobs, Work, Careers.com: Your business can take advantage of not only job postings but an applicant tracking system, recruiting desktop and a corporate career site all free of charge.
  16. CentralHR: Get access to job seekers wanting everything from creative positions to medical work on CentralHR. Create a profile and start posting jobs immediately, no strings attached.
  17. Jobs 4 Jobs.com: Get your jobs posted on this and other major sites with no startup fees. You’ll also gain access to thousands of resumes.
  18. JobsCity: JobsCity is a great network for posting jobs and finding employees. Simply submit your email and you’ll be able to set up a free account for posting jobs and browsing through resumes from all over the world.
  19. TeleportJobs: Save your business money on posting jobs with free listings from TeleportJobs. You’ll have access to resumes from employees in every type of work from consulting to Web design.
  20. Employment Inc: Use this site’s free job posting service to have thousands of potential employees reading your posting without spending a dime.
  21. JobKabob: This sleek site makes it easy to post jobs and look through resumes all without taking out your credit card or leaving the office.
  22. GadBall: Gain access to thousands of resumes and over 30,000 visitors every month with the free job posting and resume search services from GadBall.
  23. Juju: If you want to post multiple jobs at once, then JuJu is probably your best bet. This job search engine specializes in bulk postings, making it faster than ever to get them up on the Internet for searching.
  24. WorkGiant: While not entirely free, WorkGiant doesn’t require that employers pay any fee unless a qualified candidate is found, so there’s no risk if it doesn’t pan out out, and you’ll get access to a great service.
  25. HelpWanted.com: Get your own URL for job postings on HelpWanted.com to direct potential employees right to your company.
  26. CareerPark: CareerPark offers employers free job postings and resume searches among some of the big names in business like BlueCross, Random House, and Sylvania.
  27. JobsGala: Sign up with JobsGala to get free 30-day job postings and resumes sent right to your account.

Tech Job Sites

If you’re in need of some tech-savvy help, give these sites a look.

  1. Telecommuting Techies: Get a remotely located developer, programmer or consultant with this free posting forum so you can get the know-how you need without the extra overhead.
  2. devBistro: Find developers galore on this job posting site. The site boasts over 280,000 visitors each month, giving you a great chance of finding the talent you need to get the job done.
  3. HWG-Jobs: If you’re looking for someone to maintain, design, develop or program a website for you, then HWG-Jobs can be a great place to start looking. Simply send an email to the site moderators and it will be posted to the site free of charge.
  4. AgaveBlue: Get all the IT help you need with free postings on this site. You’ll get access to resumes from freelancers and those looking for full time work.

Freelance and Work at Home

Expand your workforce without expanding your office by using these sites specializing in freelance and work at home jobs.

  1. Telecommute Jobs.com: Need some extra help but don’t have room around the office for another employee? Find a telecommuter to add to your staff with free job postings on Telecommute Jobs.com.
  2. GoFreelance: Need a freelancer for a specific project? Check out this freelance job posting site and list your job to get quotes from qualified applicants.
  3. Freelance JobsPost: Finding a freelancer has never been easier with this site. Simply post what kind of work you need done and the details of your project, and you’ll get responses and competitive bids from freelancers.
  4. Work at Home Jobs: Outsource your office work to an at-home employee with this site. It offers free postings for jobs as well as articles and links to help you learn more about telecommuting.
  5. JobVita: Join this site to get up to 10 free job postings per month as well as access to unlimited resume searches. It’s designed especially for small businesses and work at home opportunities, so if that’s what you’re looking for, it can be a great free resource to take advantage of.
  6. SimpleLance: Add your job to the postings on this freelancing forum and find the professionals you need for web development, programming, marketing and graphic design.

Classifieds

Take the traditional route into the 21st century with these online classified sites.

  1. Today’s Classifieds: Employers can get free job postings on Today’s Classifieds, which specializes in telecommuting and programming jobs, but will accept other types of job postings as well.
  2. Craigslist: Millions of users nation and world wide check this site daily, so get your job out there by posting it on Craigslist. Best of all, in most areas it won’t cost you a thing.
  3. Freeified: This easy-to-use classifieds site makes it simple to post job openings for your company no matter what state you live in.
  4. WebCosmo: Take advantage of the free classified ads offered by this site to post the open positions at your business.
  5. PostMeUp: Post a free job ad in almost any American city using this new classifieds service.
  6. USAGetJobs.com: Post jobs in a wide variety of fields with this simple classifieds site.

Specialty Sites

These sites cater to specific fields or job pools to help you find the employees you’re looking for.

  1. BestJobsUSA: Those looking for some new HR recruits will find free postings for human resources jobs on this site. It also contains information for finding recruiting associations, trade shows, HR sites and numerous other resources.
  2. The Job Box: If you’re searching for some help with entry-level positions for fresh college grads then Job Box can be a great place to put a free job listing. You’ll be among big name employers like FedEx, Home Depot and Farmers Insurance.
  3. USAJobs Inc: This non-profit organization helps match employers with the right employees. Submit your job to gain access to their database of professionals, graduate students, and ex-military looking for employment.
  4. GetJobs.com: Do you want to find student employees for internships or hourly work? Then GetJobs.com can help you, with free posting and resume searches through college and graduate applicants.
  5. HirePatriots: Want to support your veterans? Try posting a job on this site to attract applicants with military expertise.
  6. CEOTrak: Looking for some upper management or even an executive to add to your team? Try posting your opening on this site to dig up the best execs out there.
  7. A Career in Sales.com: Find a new top salesperson with this site dedicated exclusively to matching up those in sales with available jobs. They have features that allow you to include graphics and even screen potential employees.
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