What is passive income?

If you have surfed around on the Internet, you've probably heard of passive income. If you do not already have begun to generate passive income so I can only recommend that you get started with it. If you generate passive income, you get much more freedom in your everyday life.

In this post you can read about what passive income is.

If you have to boil passive income down to a simple phrase, it can best be described this way:
The income that you generate, whether you are physically present or not.

Too good to be true
No not really.

But I can understand you thinking that it must be. Throughout our lives, we learn that you can only make money if you work hard all the time. It is as such (perhaps) nothing wrong. It's the way that you work on, which separates plain hard work from intensive work on passive income.

When we talk about passive income, you must still work hard in the short term. But the idea behind passive income is that your intensive work makes you come going to make money, even if you are not even physically present. You simply invest your time so that you later do not need to be present.

Examples of passive income

As such there is no official definition of passive income. For something to be classified as passive income, it requires only that you invest time or money from you in the future generate income.

Affiliate Marketing
Here if you can give customers business by writing about them or their products. Some of the most successful affiliate marketing websites are comparison websites. It may, for example. be a comparison of the price of unions quotas or the price of broadband. When your visitors click through to the company's website, you will get paid for having referred a potential client. Other times you only get money if your visitors subsequently buy something from the company. A successful guide can make money for you without you having to work on the website in the future.

Customers using affiliate marketing, because they collect valuable information in one place. Once you have made a good affiliate website so customers do not browse around the many websites to find relevant information. You brought it all to them.

Member Page
If there is a topic you know a lot about, so you can create your own member page. The idea behind a membership site is that you help people get a better life by sharing your experience. They pay a monthly flat rate. Customers are willing to pay a fixed amount each month because they have valuable information to get money. If they were to buy individual sessions with you, then they should pay the full hourly rate themselves as a Member page helps to give 'more "advice" to your knowledge and advice because they share yourself with others.

Of course it is not 100 per cent. passive income, because a membership site requires you to constantly deliver content to your members. The passive income element of it is that you need to write matter content, whether you are a member or a thousand members.

Rental of Housing
I brought this along, because by many is seen as the first form of passive income. The idea is that you invest your money in homes that you can rent out. These homes can now earn money for you, without you having to make all the world. This method is more complicated than starting an affiliate website or membership site, because it requires a large investment.

Passive income is the best solution if you want to make money even when you are not physically present. It gives you the freedom to do other things in life than constantly chasing the next month's sales. If you constantly feel that you are behind on sales and paying your bills, then you should get started with passive income.

How to make money as a blogger

To succeed in making money online, you should know a few key elements. The internet is an open market 24/24 and 7/7. It is also a global market where people are looking for solutions to their problems. If you can use this market to send them information or products essential to solve their problems, you will be paid back.

1. The really great things about blogs is that they allow people to express themselves. In the real world, it can be very difficult to be heard. Blogs therefore offer a convenient way to make your opinions and ideas heard. There is nothing more rewarding than to feed a blog about your passions and your interests. It is also an excellent way to enter the world of writing.

2. Create and maintain a website is very expensive. While, managing a blog is very inexpensive. With a blog, you have only two expenses: your domain name and hosting fees. There are even sites that give you a free domain name and you are home free. No cost to you, then. However, I recommend you pay to host your blog and have a domain name. It is indeed better in the long term.

3. The blogger software are easy to use and you can find lots of support on specialized as blogspot sites. There are also a large number of forums and guides that can help a beginner in this field. Blogspot offers many plug-ins that can help you maximize the potential of your blog.

4. It is very easy to have an income through a blog. You can make money through advertising, contracts with sponsors, affiliate programs and selling your own products. Many people live comfortably from their blogs.

5. The blogs can be used to target niche markets. You can target a certain niche that interest many users and write product reviews on your blog. You can then earn money through affiliate by sending users interests to distributors of these products marketing.

6. You can generate, without much effort, a lot of traffic to your blog, thanks to the support structures for users of blogs. These are some of the best reasons why you should create and populate your own blog.

7. A blog can significantly help you build credibility in your field. A blog also gives an idea of ​​your personality to users. This is very important to build a professional network in the future. The blog also allows you to have a platform above the fray on which you express.

8. The way you treat the content of your blog, the better your results will be. Make it so interesting and you will be surprised by your benefits.

Remember, however, that many bloggers are disclosing advertisements in exchange for very little money ethic. Therefore, the journals posted in which you are allowed to specify that you were paid to write them. Most people are unaware that many of the reports on television are actually sponsored by companies. This is why you can find so many reports and stories about the new food fashion, new fashion health, the new financial product that creates havoc, etc.

How to be rich in 7 easy steps

Following the advice or acquire what is promoted during television commercials will not help you become rich.

Commercial only led to believe that you'll be rich like the 'Fantasy Island' by placing tiny ads in the classifieds.

Unfortunately, all you get are probably dark circles from lack of sleep. If you end up going to seminary or buying tapes touting, you are probably more into debt.

The truth is that, unless you are lucky enough to receive a large inheritance, you must follow your own path to prosperity.

However, although the mega rich style Bill Gates might be difficult to achieve, becoming a millionaire is definitely within reach of those who start young and develop the right habits.
And anyone, at any age, can develop conditions to increase wealth and reduce debt.

"You can have money or material things, but rarely can have it when you're young," says Jason Flurry, financial advisor Planmark Capital Management LLC. "Part of our culture is 'pretending until you become one of them.' Debts repress people. There are people who buy debt and then never end up paying. Spend less than you earn, follow a modest lifestyle and do not give the high life with each increase. "

"Some people have spent their prosperity for the next 10 years and have done so with credit."

Flurry does not suggest decorating your house with plastic furniture for the garden, give up cable TV or have dinner 'macaroni and cheese' every night. But you really have to buy an expensive car you should spread the payments five or more years? Have we now have a flat screen 50 "HD?

Many people who choose to wealth rather than 'material things' would not consider spending on 'the latest model and the best' because they know they can use their money better. Buy a "debt" probably cause them stress because they would rather buy a good, something that will be recovered over time and they will return on their investment.

Flurry says he finds it difficult to make some of their biggest customers to spend money.
"They saved all their lives and for them is absurd to think of spending $ 5,000 or $ 10,000 for vacation. No matter whether they have $ 3 million. They really are the last generation of the Depression and have recorded in your memory you have to save. "

How to be rich in 7 Steps 

In summary, we suggest seven steps for you to be rich. Remember, wealth is relative, does not necessarily mean "millionaire". The goal of many people is to achieve financial independence, says Stewart Welch of Welch Group.

"It's when the cash flow from your investments is equal to or greater than the income from your job. Look at the following statistics: 95% of the population never reached financial independence. For 65% of retirees, Social Security is the largest source of income. "

The No. 1 reason why people fail to achieve financial independence, he says, because they lack a written financial plan. So this will be our # 1 rule to become rich.

1. Make a financial plan:
Say you want to be rich is not enough. You have to create a workable plan and put it in writing. The plan you have written will force you to do something, "said Welch. "Work out what you need to earn and how much to invest. The plan is not only the goal, is all: dreams, goals, options. Options include scenario planning, all the ways you can reach the goal .

2. Save, save, save: 
The end result of your financial plan should be a systematic investment. Get into the habit of saving money. Create an emergency fund in an account so you do not have to touch the rest of your savings and investments when presented an unexpected considerable expense. Make it a goal to save at least half of each raise.

3. Live below your means:
Do not be a walking billboard for clothing, shoes, sunglasses and expensive designer jewelry. Do not let your house payments or self destroy your budget.

4. Cancel some of your credit cards.
Some people say that you can eat or wear it, you should not charge your credit card. It's good advice, but apply it to more situations. Try not to put anything on your cards you can not cancel within two to three months. You only need one or two credit cards. If you have a handful and cut up your cards. Remember that debt holds you.

"Credit cards reduce the cash flow to others, including investment," says Welch. If you only allow you to borrow you took 75 percent of the value of your home, you're better.

5. Make your money work for you:
It takes money to make money, but it does not mean you need to spend a lot. Open an account with a mutual fund company that will not charge a fee for making the investment and have lower percentages for expenses. Create a diverse portfolio. You can reasonably expect to earn from 8% to 10% a year on your long term investment.

6. Open your own business.
In the 1996 book titled "The Millionaire Next Door: The Surprising Secrets of America's Wealthy," the authors state that two-thirds of millionaires are self-employed, of whom 75% are businessmen and other professionals are doctors and accountants. "The idea that most people inherit wealth is outdated. Many of them are created through business. Business creation is the No.1 factor of wealth in this country, "says Zultowski.

7. Get professional advice:
A good financial advisor can help you keep in your wallet the right investments and eliminate wrong. No need to give up control, but you have to create a good working relationship with someone who has experience in this complicated area.

"About 76% of respondents are actively involved in managing their financial affairs every day," says Zultowski.

"Participants learn finance, not quoted in the very short term. Working with advisors, but ultimately make their own decisions. "

If you can not afford to spend for a financial advisor to manage your money, always review your portfolio and make recommendations for a flat rate.

20 free ways to promote your business

Tips on free marketing small business, there is often no bigger marketing budget. And the money you have, you should put them on the seller's calling, Internet, print media or elsewhere? For a misplacement can crack which small businesses anywhere. But you, there are ways to market on which is completely free, or nearly so.

It requires an investment of time, but have you not busy today so it can be a great way to gain new customers. We will in this article to list some common ways and some a little less common, and even some on the verge of crazy marketing methods.

Tips on Internet Marketing 

1. Find collaborations (works just as well offline) with other companies where you have the same group of customers and complements be pulling without competing. Tell then customers about each other or agreed to a kickback to the referring customers to you. Take a lunch together to see what more you can find in order to help each other.

2. Become a fan on various Facebook pages and present your business to the other fans. Here's our Facebook page where you are free to add a link to your website.

3. Make a competition and find sponsors who pay the prices.

4. Comment on articles and blogs. Write good comments and questions to the articles and blogs which you may link to your website. Do it seriously and be careful not to spam.

5. Working with search engine optimization by getting links to your website.

6. Be a member of a forum where you are able to link to your website from your signature. There you can participate in discussions and every time you write a post you will automatically get a link. It provides both traffic and link power.

The Forum that you can add a link to your profile, or more if you have more than one website. Participate in discussions and start your own threads and issues, you should soon see that your traffic will increase. A well written post where you bid on your knowledge is appreciated by everyone and it offers great goodwill to you and your business and in turn new customers. It is usually smart marketing for you who run a website. The same principle applies to most discussion forums.

7. Guest Blogging in someone who has visitors with potential customers. Get bloggers and site owners decline the post that is well written and provide value to readers. It can be really effective marketing where you can also ask for a link back to your website with a well-chosen keywords.

8. Email marketing and newsletters are a very cost effective marketing where it is also easy to measure results. Start collecting email addresses on your website today. Bid on a PDF with free tips, or anything else to get more subscribers.

9. Make a market survey (works just as well offline) where you find out what the market is, your visitors and even current customers really want. This is not direct marketing but you get a good basis for making direct marketing. It may also be that we sometimes think we know what customers want without actually having it in black and white. There, a market research save a lot of money and time.

10. Add your website address in your email signature so it is clearly visible. Every little helps ...

11. Write an article and get it published on websites and in newspapers.

Keep in mind that a lot of traffic to your website does not necessarily mean a lot of new customers. Bet on the marketing channels where your target is located. There are Facebook groups, forums and blogs in virtually all industries. If there is not, maybe it's time for you to start one?

Tips on offline marketing 

12. Send a mailshots where your colleagues are paying the cost. Develop a flyer and call around to other companies in your area and ask if they want to be on the mailing. You're doing it all and can in good conscience add your ad on the mailing at no cost.

13. Join a business networking or attend a breakfast meeting in your area. Breakfast meetings for the town's business owners are quite common so check if it is available in your area. Business Network may cost money but you can always go there and try to see if there is something for you. Keep in mind that it could simply be a single exciting new contact for that to happen positive things for you and your business.

14. Spread your business card. Sure, it costs a little press card but it is usually a good investment. Have a habit of handing them out, because you never know who later need your skills or would like to recommend you to anyone.

15. Contact current customers, ask for references and mention that they are free to recommend your company. Virtually all the people line up on this with joy! Or you have at least planted a seed that makes them perhaps later tips about your services.

16. Set up as a speaker at a business event or any other event where your potential customers are.

17. Contact a magazine and get it to write about you. Journalists are constantly looking for new things to write about and you can surely find something that could be exciting for the magazine's readers. Learn more about how to succeed in PR here.

Here are also some marketing techniques a la guerrilla-style :)

18. Take a pressure washer and wash the asphalt or a suitable wall so your company name or website visible. It is eco-friendly, fun and attention-grabbing guerilla marketing.

19. Contact Flight training and ask if you can hang one of those pennant behind the plane. Few things are more readable and more people. Remember not to make the text too small;-)

20. Develop a robust, slightly larger balloon and push your company name on it. Attach it to a rope and celebrate in the air so it can easily be seen. This is not free but it is marketing that people are sure to remember.

Now you have a few ways you can test. As usual, there are no shortcuts, nor when it comes to marketing. Try this out, measure your results and try new ways.

What is passive income sources are available?

If you really want to be rich and mostly free, not exceptionally well-paying job to think about, but passive income sources, which will also generate money if you are not physically working on the system, only it operates. All income is considered passive income, for which little or no need, may only have time and energy to invest in the start-up.

The following are the most common sources of passive income, most basic:

1) real estate (apartment, house, garage, store room, etc), investment, hiring
2) its offline (not online, but physically existing) business, which operated in the building after an employee of
3) own Internet business (usually run by you, the beginning of more effort and a little time, from home or from anywhere in the world where large-scale thing, employees will be required)
4) own offline & online business (eg. A shop, an online shop ie as a business, and the internet works, operated by staff)
5) royalties (eg. Book writing, composing, permitting the use of brand names, etc)
6) multi-level marketing (MLM), or network-building business opportunities (there are very few good system must be well sorted, what it enters into the man)
7) stock market (ie. Stock exchange, foreign exchange v. Forex)
8) financial investments (funds are creating even more money, for example. Bonds, equities, precious metals investments, etc.).
9) The investment in startups (start-up) received by the people in exchange for a business deal, "business angels"

As a beginner, which I recommend as a student? I recommend that you learn regarding all of them, get information. Some are through years of study, practice, what the people say something to the ownership of knowledge on a given subject, and is a significant part of the investment money to do so.

Maybe on the internet the easiest undertaking as a student running for quite specific, comprehensive online entrepreneurship need to, otherwise you will not be successful in it. Better networking outlets not require a major investment, and can be operated via the internet some of them.

7 Ways to Increase Visits to YOUR website or Generate More Traffic to a Blog

Have you ever wondered what to do to increase visits to your website? The traffic generation is crucial for visibility and key success factor for any website or blog.

Capture the views that both want, will entail knowledge and knowing, but after learning how, with the right amount of work and dedication, will power the visits have almost anything you want, being solely dependent on your willpower.

So you know already how to increase visits to your website and generate more traffic to a blog, let's look at the main points to keep in mind:

1. Buy a Domain Own. A domain may have served to time, but it's not professional, not worthy to capture those visitors who want both. Convey greater confidence. To increase visits to YOUR website or blog, and generate more traffic, buy a proper domain, related to the activity of your company, or with the same name. Should adhere to process "company time", has immediately access to domain.

2. Enter the Main Directories on YOUR Site. The directories are a source to attract more hits and gain new customers. Save your time by using our research and investigation. The experience shows that the only relevant directories for the purpose of attracting visitors and improving YOUR indexing in search engines.

3. Add the link to the website to your signature. Take advantage of those who are already your media to add a link to the site. Email signatures, signatures in forums, business cards, or any other stationary. Put stickers with your website link in the fleet of YOUR company. Whenever you place an ad, take the opportunity to mention YOUR site or blog. This way will generate more traffic and increase visits.

4. Add YOUR website to Social Networks. If you have pages on social networks, they are a powerful means to stop increase visits to YOUR website or blog, generating more traffic. If not already present, you're missing an opportunity. Add links to the site to YOUR profile on social networks, and regularly mention the ITS products and services, and possible promotions. Be original, give access to knowledge for free, and the results will naturally appear by itself.

5. Propose Exchange Links with Similar Sites. Find sites with the potential to attract similar visits to YOUR prospects, and proactively propose an exchange of links to these sites. Personalize the emails in order to increase the success rate. Explain the mutual benefit in exchanging links this way. Start by sites either selling products or services complementary, or fulfilling needs downstream, or upstream, of which are satisfied by what you have to offer.

6. Improve your ranking in Search Engines (SEO). Hire a SEO Specialist to win best ranking on the search engines for words relevant to your business. Study the words associated with YOUR target market and compose your pages in order to maximize the exposure to search engines. The SEO site optimization is one of the best ways to increase visits to a site. There are some keywords (eg marketing) that have THOUSANDS of surveys every day, reaching a volume of MILLIONS monthly level.

7. Get Search Engine Advertising. Impossible for those keywords to gain a good ranking on search engines, often due to high competition, try launching a PPC advertising campaign in GOOGLE. Thus, it is guaranteed that appears in 1st place, whenever searching for YOUR services or products. This is the fastest way (maximum 48 hours) appear on the first page of search engines, and increase visits to your website or blog. See our service web marketing and advertising on the internet to learn more.

Whether it's a website or a blog, after putting into practice what has been said here, will see an increase in their daily visits, and generate additional traffic more evenly.

Market potential in the niche market

Entrepreneurs are aware bursting with new business ideas, opportunities for expansion and would like to have as many balls in the air as possible. But they often look a little too credulous of the market potential for niche market, which is often much smaller than expected, then either competition is very large or customers simply are not there.

An example is the numerous child clothing occurs currently online. Maternity Mothers who have had a lot of extra time, and who are interested in everything about their new children. Preserved, it is also healthy to have a business with something you are passionate about, that's the whole point about it being self-employed. But the market is becoming so saturated with clothes that experiencing a boom in children's clothing to be sold and the many children's clothing stores must press their computer's power off button.

This is of course unfortunate, but with a little forethought, you can actually get a good business, even with children, you just have to find out where the market potential is. I will briefly explain one of the market policy strategies.

Niche market is one of the best markets for an entrepreneur to start when you do not have so many customers, you can take a slightly higher price for your goods and so do you (usually) not to spread yourself so much and thereby the start-up costs are not terribly expensive.

What characteristics of niche market; 

the company offers a specialized product that you have a thorough and specialized knowledge of the product that the company can meet demand

Driving a niche policy requires that you adapt to the industry, it means that you add yourself a lot of specialized skills that are required to call himself an expert in his field. One's business thereby also gaining some sort of monopoly on knowledge or at least a competitive advantage.

One of the "benefit" is that you do not have to lie and compete to be the market leader, often costing millions of dollars in advertising costs, depending on market size. At a niche strategy has the opportunity to become market leader in its own field.

One example is the Logitech (which makes computer accessories), which started out by making a mouse all the small markets, mouse for left-handed, wireless mouse, some that were shaped like real mouse and all other forms you would like to. This was the so famous and successful that they could later expand to other markets, such as speakers, webcams, etc.

Niche markets can be industries like 

End-user specialization, ex. if you are only concerned with some kind of end user, ie if, for instance. specializes in making beautiful cabinets for desktop, so using other computer companies you may to offer their customers a little extra.

Vertical specialization, ex. one clothing manufacturer concentrates only to embroider on sweaters, put funny lyrics on t-shirts, etc.

Company Size specialization, ex. a company that only deals with small businesses that have been rejected by the major manufacturers because they are too small.

Geographical specialization, ex. if you only sell to a specific area, taxi companies are usually geographically oriented, but it can also be local knowledge.

Product specialization, ex. when you only have one kind of product, for example. selling only tie, shoe shop only distributor of Lacoste, a company that produces lenses for cameras, etc.

Service specialization, ex. performing any service that is not available from other companies, for example if a bank started driving advice conversations over the net.

Niche markets can quickly become weak, especially if more people get the idea and go into your market, so it is important to constantly monitor the development and start up new niches in your area. This means that one should like to continue to use its niche strategy, but not necessarily continue its niche.

How can I make a blog

Suppose you're running your own blog and you want it as some money. What are our options? 

The most important thing I want to say is that we have options. Today, the content on the Internet can make it though for most of us, it's not money that will allow us to buy a new yacht every week. Operating procedure which can make money, I drew in another article.

On the other hand blog is generally able to make their power at the expense of earnings, which is the technological background. If I'm at the beginning of blog topics recommended that you have purchased hosting services, advertising that you later on this website you hang these costs certainly return. What kind of advertising you one today can actually hang on the blog?

Contextual advertising 

Probably the most accessible is contextual advertising. There are several companies that feed it and sell these solutions. An example would be Google Adwords.

After signing up for any of these services on your blog can immediately place the code between articles that will appear under the relevant Articles advertising information. These banners are text ads that still do not earn much, but allow very slow and systematic income.

The amount of earnings on such form of advertising is very diverse and can not be estimated. The earnings is influenced by several factors.

The time from when you ran the ad. The advertising is newer, thus tend to earn more money. This has two reasons. Regular readers they see a new ad, you are curious rule on it. Later, when you get used to the given position is just advertising, it usually much less attend.

Contextual advertising is adjustable and advertisers as a rule quite closely scrutinize how effective advertising is suspended with you anyway. So in the first phase on your site advertises virtually everyone, but many companies that advertise and especially to invest heavily in advertising, a guard and profitability ads. Observe whether a visitor coming from your site, just clicks on the ad and leaves or clicks on your ad and buys. Once you find that your blog while spend lots of money on advertising (ie you earn and the offerer missinfg) such advertising off. Thus, then your blog will show that advertising client.

Advertisers know to monitor the effectiveness of advertising and shall be governed. For you, this information may mean that if you want advertising on your site has a long-employed for you, try not to be too profitable for the advertiser. This means try to write about topics that may sell something and so sold.

And it gets to the next point of profitability or reason why some sites profitable.

A topic that you are writing very closely related to the much you earn for it. 

If you write about much, it is very likely that you will get a few ads because a lot of flies everywhere and no one will buy. You may occasionally get some advertising on disposal of flies, but probably will not be very successful.

But if you write about something about which the general interest, such as the building supplies is very likely that this blog will earn much more. Constructions does have the resources to advertising and will be happy to pay if such advertising space to create.

This of course assumes that you have to write about building supplies, you should write competently and professionally. If you do, you attract customers to your site, which occupy a building is very likely that this will be a very happy visitor to click on the ads because it really interested. And on that basis and buys something.

The third factor is the profitability traffic. The more traffic your blog is, the more you earn. If you have 5 visitors per day is quite likely that for that day will not make. But if there have 5,000 people per day is very likely that a few cents or dollar per day really earn.

It is therefore interesting to look for topics of interest to the most people. 

And here we come into conflict about what to write. So if you're running a blog can start to calculate the selection of themes, so that you were writing about something you are interested in more people, but also that it was professional and even sales.

Such an approach to writing a blog is handy, but you will find that it is not so easy to tune to make it work. Then you can get to the second concept, which says that you should totally write about anything which interests you and just observe what it will do to your income. Quite likely the second approach somewhat less profitable in terms of advertising revenue. On the other hand, create a blog so much easier, because you do not first think about what topic you write that you simply have written about something that is worth so to speak.

Banner advertising and blog 

The second way can be to make a blog banner advertisement. Banner advertising has different properties and more difficult to get to it.

For some countries, however, has come a company that will provide code for banner advertising just like today, gaining as ad text. Here, too, will apply the same rule, the higher the traffic, the more money.

A third way of advertising, you can sell a blog, the ad that you arrange yourself. If you have friends who have businesses and are willing to make a deal with you that will publish on your site advertising, it's excellent and try to go for it.

In any case, see if this ad to your client earns. Lest it be only a short-term investment. It is better to have fewer partners, but satisfied to get a short advertisement at the end of dissatisfied client who will never return.

Earnings on the Internet using a blog is therefore possible. I repeat do not expect dramatic revenue.

How to invest in forex with life insurance?

When selecting units of account for his life is not thought immediately forex. Yet the forex can be very useful for diversifying a life insurance contract in which he already has stocks, bonds and dollar funds. This can also be a good way to protect themselves from the falling dollar

What is the investment on forex? 

Investing in forex is the investment in the currency market as the dollar, euro or pound sterling. The basic principle is to "bet" on the rise or fall of one currency relative to another is what is called a currency pair. Thus the pair of the euro against the dollar is called EUR / USD.

Viewed differently, it helps fulfill a belief or theory one country compared to another. So if you think that growth in the UK will be higher than that of the United States you can buy the GBP / USD and benefit from the rise in sterling against the dollar.

This is of course a simplified explanation and establishment of a forex trading strategy requires a lot of time to be optimized.

Let's see the different ways to use forex with a life insurance contract. 

Solution 1: Hedge funds 

This type of fund invests in currency pairs to take advantage of currency movements relative to each other. For this, the fund manager "alternative currency" can be used several ways:

It can perform arbitration several times a year through derivatives and futures to generate gains on buying and selling currency pairs.

It may invest in low-risk funds (government bonds, for example) in the country of the currency concerned and do not cover the exchange rate risk in order to benefit from the bond yield and the change in the exchange rate .

This type of fund is interesting insofar as it wants to invest in currencies while having a contract denominated in euros. But that kind of money does not guarantee performance and volatility can be extremely strong.

Solution 2: The funds and life insurance in foreign currency 

The second solution is to use a multi-currency life insurance policy. This kind of contract is offered by most of the insurance companies. On this type of contract, you can invest in a fund guaranteed dollar guy ... except that it is not in euros but in the currency of your choice (USD dollar, British pound, Swiss franc or any other currency).

This investment is safer than one solution to the extent that your investment in a foreign currency can not decrease because it is guaranteed. But the return depends on the bond rates so do not expect miracles ...
Please do not fool you: the amount of investment in currency can not decrease but you expose yourself to the increase or decrease in the dollar against the euro (this is the goal in any case not I need regular.).

example:
You have € 300,000 you want to place in United States dollars.
The company converts these into € 300,000 $ 380,130 USD (1.2671 dollar for one euro rates).
You will have the guarantee of never having less than $ 380,141 USD these.
BUT, if a year later you want to withdraw the money in euros and the dollar weakened against the euro at $ 1.35 to 1 euro. You will hear $ 380,141 USD / € 281,585 is 1.35

This solution may be suitable if you want to hold the money in another currency, while benefiting from the attractive taxation of life insurance. While understanding that the guarantee only applies to the amount in currency and not in euros.

In this article I showed you two ways to invest in the forex while under a life insurance contract. You decide if this is the kind of solution for you.

If you are against by an active trader and you want to invest in forex live, these solutions are not for you.

The world's best keyboard

Large, heavy and extremely noisy. In addition, soon enters the third to x. Nevertheless, there are still adherents who used to date because it's the world's best keyboard.

The IBM Model M 

There are few stable elements of computers, such as keyboard: still the most important input device, even if multiple devices - such as tablet-smart phones - it is replaced by a virtual counterpart. The Verge extensive article devoted to the keyboard, which is a kind of new standard: all the Model M keyboards made ​​today was followed by a key location, even if the button has been expanded to also offer the first Model M release.

But how does one become a cult keyboard? First of all, due to its durability and the other with a keyboard unmistakable voice. Article presented at The Verge Brandon Ermita, Princeton University, one of the IT manager, who sell exclusively online trading antiques input devices, especially for Model-M. Anyone interested in the topic, it is worth a visit is the clickykeyboards.com, where we will find detailed technical descriptions.

Small keyboard history 

The traditional QWERTY keyboard, or the manner in which the various characters are located relative to each other, not IBM invention. The assignment of a legendary typewriter, every journalist wanted a basic tool, manufactured by E. Remington & Sons, Remington No. 1 world-famous. You're also more widely in the company's refining purchased a patent made ​​it to the final assignment is still used in practice.

In 1981, IBM released the first keyboard. This has been tried to solve the problem that the computer was not quite the traditional character set (lowercase letters, uppercase letters, digits, special characters), but was a need for a special letter keys, allowing the user to the machine could communicate.

The team have created a separate company at the beginning of the 80s, which was responsible for the development of the keyboard. The team worked not only in the lab, but from novice user set up a test team, who tested the layout and mechanical solutions.

The Model M is one of the characteristics of the so-called. buckling spring mechanism already existed in the previous generation, 83-key PC / XT keyboard as well. The mechanism is to work with a mechanical coupling spring during the detachable keyboard (see picture). This was typical of the Model M, typewriter voice.

The sound is clear, however, did not result in success. The machine operator was a great help to the clarity of the keyboard, that is physically and voice feedback is given to the machine operator, making it more accurate typing. However, this typewriter imitation drawback was the environment obviously very troubled by the distinctive, loud clack. Public spaces, therefore, later spread to the rubber bellows, more quiet-action keyboard.

Since 1987 the IBM PS / 2 PC has of the Model M is given, which certainly ensured the spread of the allocation it worked.

How to find a niche market?

Small businesses can hardly afford to compete in the market with many buyers left for them to find a niche where smaller quantities can be replaced with higher profits. The market niche is a targeted segment of the market. When searching for a niche, follow these seven steps:

1. Make a list with whom you want to do business. Be as specific as possible when specifying the geographical location of niche type business customers. As long as you do not know with whom you want to do business and where to find customers, you can not establish contact. Trends go in the direction of minimizing niches - so, for example, target market "teenagers" too big, necessary to specify, for example, "Afro-Americans with family income up to 40 thousand dollars a year."

2. Focusing. When deciding what you sell, you should consider that you can not do it all and to all customers and that it is less often more. Your niche is not the same as the scope of operations. For example, the sale of used clothing is an area, while the niche selling used clothes for pregnant women. In focus follow your knowledge and experience. For example, if 10 years working in the consulting company and 10 years in a small, family business, it can be your ideal niche consultancy smaller, family-run businesses.

3. Meet the buyer. That'll get your target market to best meet, you first need to know exactly what he wants. And to figure this out, it is best to talk with potential customers. Invite a small group of potential customers and make them focus group.

4. Synthesis. Your niche market should gradually receive your form, both in geographical terms and in terms of a specific transaction. A good niche market has the following characteristics: it is consistent with your long-term vision; what you want to sell, someone wants to buy - therefore you have enough customers; is carefully planned; is unique; develops. Ask yourself if all this applies to your niche.

5. Evaluate. Product or service that you want to sell, evaluated according to the criteria listed in the previous step. If you find that you are on any question be answered in the negative, let go of the idea of ​​dealing with the product or service and find a new idea.

6. Testing. Your product or service Test. Offer potential customers a sample.

7. Action! Now is the time that your idea completely alive. For many companies, this is the most difficult phase, but if you deal with things planned, he fears.

When your business bloom, there is a risk to fall asleep on their laurels. Do not! Every six months you answer the following questions:

- Who are my target customers?
- Who are not my target customers?
- What did customers think about me?
- My niche constantly evolving?
- You can predict the life cycle of niches?
- Are buyers still offer what you want?
- To business addresses with a passion?

Answers to these questions will keep you awake and on guard.

Invest in yourself

Want to become a successful entrepreneur? 

The road to success successful entrepreneurs are by buying and reading business and marketing books, magazines, reports, journals, newsletters, websites and trade publications. They know that more resources will enhance their understanding of business and marketing functions and skills. They join business associations and networking with other talented entrepreneurs to learn all the secrets. It is constantly seeking success and help define their own goals and objectives. Successful entrepreneurs involved in business and marketing seminars, workshops and training, even if they have already mastered the subject. They do it because they know that education is an ongoing process, a perishable commodity. There are usually ways to do things better, in less time, with less effort. In short, top entrepreneurs never stop investing in the most powerful, efficient and best business and marketing tool they have at their immediate disposal - themselves.

For those who start a blog in the niche market aim , the most important of only one

Content strategy becomes important , the transmission of information in the field called " niche " for a variety of purposes case you begin it has become many . It may be due to build a bridgehead in the field to develop in the future, if a company , or if an individual , it might be the reason why different and also , might be that we want to give the authority in the field . At such times , it may be the most important , it is not a niche keyword choose , even in the technology to write a title to put in hot entry if it . When called from the conclusion , the most important is the " that can continue ." Choice of topics and the quality is also of course important , but most important is " whether you can continue" . If you do not go doing to continue such thing as information dissemination , it can not be obtained even if the authority even if the bridgehead . On was continued , on the requirements , or a topic or a quality , a variety of factors are evaluated .

However, when starting from point " you can monetize ? " Such as' Obtained or the authority " , the original article author says if it fails . It because runs out as soon as passion , or not ( I do choose to " niche " seems to want to have exchanges with others of the same genre you feel the passion ). Choose a niche in which you feel passionate about connecting with others.

Available in the original the word . Starting point of the first is that "I either feel the passion " "What seems opponent even though conflict example , you want to be friends with bloggers are dealing with the same genre ," the two are as important . With an emphasis on authority and monetize , if you start a blog or in the field that I do not know well , it is that it does not last long as long as there is no external pressure , such as with , in many cases such that it does not last long , most likely quality also becomes low

If you do not last long , that the update frequency is also reduced, and motivation is also not out , quality down , just to update the article may become something of low quality purpose . I think that even as I'm doing as a task of the company , and in the inevitable decline in quality . At a time when high-quality content is evaluated , So it does not make sense , unfortunately.

How do I choose a niche ?

- I think this is in light of the experience of my own , but that it might be of think you should narrow down in the following steps . To list the areas of the field that I knew already , I want to make the acquaintance , or I do not know but want to be in detail
- Among them , I throw away the field in the first place anyone would not want to know
- Look at the other blogs that are written in the theme , and discard the ones that do not think be it any offline and online that people with them, and how can interact
- Avoid which source of information on it , missing in consideration of the update frequency is assumed

I think if they remain more here , and whether you like the good after . First, curiosity fundamental whether boil . The second , whether there is a need . Third if you can interact with other bloggers . The fourth is very important all in all , is whether there is a material source of real connection . Writing in the original every time it is very hard . That there is a source of information to be inspired is very important .

When you have to do things not it absolutely ?

That said , I think you may not be to say so also . In that case , can only alight passion . It is not before you start writing a blog , can only find the source of motivation in that topic somehow . I think If you think optimistically , kind of motivation it become or honey about one , but I think in practice , better you've been looking for people who can write in that theme and than good . If it is a business , you should do so with certainty . I think If an article is one-off , and go without the passion . However, for those that need to survive in the long term , if there is no passion , it does not last .

At the end

Writer If you want to know if doing with a passion , I transferred to the easy to readers other than . I understand immediately be content that you are updating in a businesslike manner . Blog you have not written to also enjoy , ( often found in the company blog) that you somehow transmitted to the reader. It's called to love them and if you have provided is , I can not agree less . " Passion " starting point when choosing a niche is " motivation " .

Medical insurance are important but how to choose it?

Nowadays the are so many and various diseases happen without our expectation. All that we want is the best care, efficient and quick. Government hospital sometimes is so crowded with the patients which have to wait so many hours just to see a specialist. After a while when the surgery time is come, the patient is placed in a queue and continuous waiting for months. It will cause pain severe impact and if the pain is from the cancer, it can dip spread far across the body.

There are a way for us to overcome this problem is by purchasing medical insurance. From there, we can get the best care, efficient and fast from private hospital and medical center from in or outside the country. If we start to purchase the insurance in the young age, the premiums are much more lower than when we are older.

The patients mostly have a medical insurance that came from their company's benefit or came from their own money. When the insurance is comes for use, usually within 6-12 months, the insurance holders are eligible for specialist treatment to surgery or other special treatment specialists.

For those who want to buy medical insurance for the above purposes, the best way to choose the insurance company which have quick for giving approval for treatment decisively  based on the advice of an experts and also the company won't break the promise or deflect the issue when the patients make a claim for medical reimbursement.

Why unit trust is the choice?

Unit trust is meant to optimize long term investment.

Why it is the choice?

Professional Management
The professional people has been responsible for the purpose of ensuring your financial objectives met. They are really working hard to increase your wealth!

Diversification
By unit trust, the money will be invested in the various types of stocks, bonds and other securities such as money market. With this kind of investment, it can reduce risk.

Affordable for All People
The money for investing in unit trust is so minimal and everyone can invest.

Liquidity
Unit trust investment is more liquid than property investment.

Funds for All People
There are different types of unit trust to meet the needs, tastes and desires of investors.

Safe and Secure!
The exist of independent trustee to ensure that funds are remain safe and secure. The funds are controlled carefully by the act enacted by government

More Free Time
The investors do not need of constantly monitor the investments made. They will getting annual prospectus and updates from the unit trust professional agents

Good Returns!
Unit trust industry has provided an annual return of between 10 to 25 percent! Unit trust also shown to protect the value to prevent inflation.

How to claim an insurance

Here's how to make the claim and some examples for your reference .

1 - Online Claims ( Bills and Allowances )

Services Hospital Alliance Services ( HAS ), an onlince claim directly from the hospital to insurance agent and you do not have to pay in advance but it will only be effective in the months of 4 starting from the date of the policy ( the date on the medical card ) . This is means that the client must pay in medical bills and charges in the first 3 months of the date of the policy , whether hospitalized in panel hospital or not. Then , all medical reports, bills and receipts must be submitted for reimbursement purposes. However , if the client is hospitalized due to an accident, HSA can be used directly without waiting for 3 months. If the claim using online services ( HAS) , you have to show your medical card to the hospital staff so that they can manage for admission. If there are any problems , you should call your agent immediately. The wise way is you are advised to inform the agent that you are admitted to the hospital. This is to allow your agent is always in a state of readiness in the event of any problems when entering or leaving the hospital.

2 - Claim reimbursement (pay first, then claim )

If you go to a hospital that is not hospital panel , you can also claim the hospital bills. However, all bills must be resolved first , and then you claim to insurance company. Please notify your agent , to enable your agent to provide a medical report form to be completed by the doctor who treated the claim for medical bills.

3 - Claim Hospital Benefit / Allowance Allowance & Surgical ICU without claim bills ( bills claim from the employer or insurance company )

If your employer provides medical coverage for you , you may be eligible to claim all the allowances ( allowance Hospital , ICU Allowance , Allowance Surgical, MC allowance due to an accident ).
You just need the medical report from the doctor who treated you and a copy of the medical bills for the purpose of verifying the number of days and hours you are detained in hospital. This copy is important because if you to detained for 2 days and 6 hours or more , you are eligible for an allowance based on a 3-day hospital .

4 - Accident Claims ( Medical / MC )

In the event of a minor accident and you only get treatment at the clinic , billing charges can be claimed from insurance company. The documents required are original bills and receipts as well as a few reports from the treating doctor says that the medical charges are due to accidents. Insurance company will reimburse claims.

5 - Normal Death Claim (Natural Death)

For death claim , if it is not caused by an accident, the policy holder dies does not necessarily require an autopsy . This is because the doctor a complete report can be used as a reference on the cause of death and related matters . If death occurs , beneficiaries must inform the insurance agent about things that happen . Next, the agent will manage in the preparation of documents and so on. Therefore, it is very important for every policy holder , you are advised to tell a sibling or relatives and friends that you have protection from, and in the event of death , they can inform either the agent or insurance company.

6 - Accidental Death Claim ( Accidental Death )

The same order as above . However , in the case of an accident, usually the police will direct the hospital to make a post-mortem to ensure that accidents are not caused policyholders in the influence of alcohol or some criminal elements and so on.

7 - Period Claims

Claim period depends on the type of claim and the documents required to make a claim . If all the documents claim is complete, usually within 3 or 4 weeks will be able to check out the company. However, it depends on the specific cases . For example , hospital allowance usually faster than claims by death, critical illness or compensation .

Financial Planning

Everyone needs a financial plan whether it is a big plan or small plan , whether involves a lot of cash or a little cash. The important thing is that to spend wisely because of it can be used for some purposes in the future.

Here is the purpose of why we need financial planning :

1. For emergency purposes : we never know if there is something happens beyond our expectations in the future , for example, broken cars , children getting sick , lost phone and so forth . If we do not have some money for this purpose, we have to get it from close people like friends and family.

2. For education purposes : most of us want to pursue the education to a higher level. Due to education fees getting high from time to time, we have to plan our financial to support the education. Furthermore, children's education in the future is also very important

3.For wedding purposes : Now if you want to get married , it's like if you do not have to a few thousands dollar be too difficult, so plan early .

3. To get a children : there is so much expenditure required , for example diapers , milk , medical bills and much more.

4. To buy things that we love : for example we want to buy a cell phone. There is many ways that we can get it, for example , credit card, by installments or cash basis. But to get cash in the meantime for majority of the people are so hard because a lot of other expenses should be prioritized.

5. For medical purposes : Since insurance is very vital nowadays, this is very important to plan especially now the medical cost has increased from time to time.

6. For the purpose of retirement.

8 Ideas to Make Money on the Internet

The 21st century saw how rapidly the invention of computers and the development of the information technology industry . Since the beginning of creation , the computer has changed at all , whether in terms of design, capacity , size and price . Due to intense competition , many computer companies struggled to make better designs from time to time in order to meet the demands of many people around the world .

When everyone can afford to own a computer , the demand for a variety of improved information technology infrastructure . This results in the provision of facilities such as broadband and internet becomes more available at a cost that is not too taxing those who use it .

Next , these developments have resulted in many open opportunities for users to know the party to take this opportunity to profit whether the small amount up to hundreds or even thousands of dollars .

Various ways have been done by many people to make money through the internet. Here are some suggestions to get you started fairly easy service and make money !

Services for blog

Most people who know how to use a computer and surf the internet to know is certainly not peculiar to the word blog . Many are able to make the blog as a place to express their works such as writing experience and uploading interesting pictures which at first things were done only for A Fun alone . However , over time there was a lot of information and internet millionaire mentors from abroad to give ideas to bloggers to grab the opportunity and make money on their blogs .

But there are some users who only know what the blog but not knowledgeable about their favorite apper can follow in the footsteps of those who succeed and make money from blogging. If we see , in a blog ( for example : www.blogspot.com ) there are many components that are placed to attract the attention of people who surf the internet come to visit their blogs .

Here's your chance to make your blog a skilled hand to offer a service to those who are not skilled . How about you can advertise your services are ? First of all you can place your ads on your own blog . Place the sample blog already completed up to so potential customers can choose according to their suitability . You have to remember, your potential customers are not adept at making a blog, so the language you use to advertise your service must be in a language easily understood. Simple Steps should be given so that when they already have a blog as a result of your service , they are also adept at managing the blog from time to time .

You can set up different pay packages according to the contents or level of difficulty to make the blog.

writing service

You have a computer ? You can also subscribe to internet services ? You are interested in writing and have creative ideas ? You have free time and you do not want to make money by working outside or at the store on time employer ? If you answered "Yes " to these questions , then you can start to write a book or article service to make money income . You do not have to go out of the house for this work . Advertise your service only on the website , ie the publication of books and magazines. Various materials can you prepare such as recipe books , fiction books or articles and so on . Many publishing companies in and outside the country at this time prepared to accept the results of your work only through the internet and publishing process does not take too long as time ago in the absence of computers and the internet.

Free ad delivery service

If you frequently surf the net and enjoyed those forums available on the internet , you may be able to start to do the ad delivery service to those who do not have the time to manage advertising for their business . This is a service such as advertising agencies to offer but you will do it on-line. Fee structure can be packaged so that you will receive income every time customers buy products advertised by you .

translation Services

Translation work can be started if your mastery of the language is good. You should have the skill to master at least two languages ​​so you can offer work to translate from the source language to the target language .

How about the internet can help you to make money with translation work ? Some of the suggested procedure is to advertise your services through your website. Internet will help you find customers . When a customer agrees to the charges that you wear, all the translation process from submission of documents to be translated can be done via the internet , through email or can be sent by mail. Similarly, the process of returning the completed documents translated. Payment can also be done via the internet as well as through the website for customers who have a bank account in the country.

Sell ​​service instance document ( template ) as a legal document

You are an expert in a particular field ? For example, the field of law . At the present time the country's economic development , many transactions involving trade and commerce between many parties. Many legal documents are produced every day to ensure that transactions involving money not be wasted . A legal document signed to safeguard the rights and interests of the parties involved .

Examples of legal documents that you can sell and needed a lot of people are documents home or office rental agreement between the tenant and the owner of the home or office . Some owners do not want to use the services of a lawyer to make your home or office lease agreement because of the costs incurred will be a burden . Some owners did not have much time to meet with a lawyer for the purpose. Therefore, if you are able to offer a service that matches the needs of the owner , you are the party that will get some benefit in these transactions ! Due to the sale document made over the internet , the prices charged should not be high . But you have to take care of all the provisions of the Copyright Act and other , so you sell the document nor the subject of piracy.

typing service

This type of service can be done by many people because of the age of information technology , everyone is sure to have typing skills . You'll also wonder and feel like impossible to make money by typing service since many people already skilled typing . Time is the main factor that causes a group of skilled typing but do not have much time to do it. Examples of this group are students, especially those who take classes at night or on the weekends or outside of working hours. They are busy with their daily work often requires the services of another person to complete the training or course work for the classes they take.

How to advertise your service is quite simple . Firstly, you can display the ads on bulletin boards at universities and colleges , whether near or far from you . Location of your customers do not become a burden factor because you can send your work that has been completed through the internet only. You can also advertise your typing service on your website or forum you can follow on-line. Guide is that you should choose the forum with service type you wish to advertise. When you create your ad , you need to think about what information you need to park so that potential customers are interested in and wish to subscribe to . One drawback is that you must overcome to lack or may lack verbal communication when you offer a typing service over the internet . However, this problem can be overcome by placing your ad in the form of creative video and if you can also make two-way video ads .

Services include paper

Did you know that your application for a loan from the bank also depends on the quality and presentation of a paper ? When you complete your paper and have the information by the bank or lender, the chances of your application to pass higher.

Sayings not know had you applied apt in this situation. One side certainly did not want to release the money to a stranger . To know more about a company , the papers should highlight the advantages you provide available to the company. You can definitely do this with good service and effective if you have experience working in a bank or financial institution .

Services make research paper or thesis

This service is suitable if you have a little knowledge on how to do research either manually or research materials via the internet. You need to know how to differentiate the information sought actually have the integrity or otherwise . A research or thesis must be produced by making quality referrals . Information should not be taken from a personal blog or a website that can not be trusted. You must also remember to always take care of other author's rights as set out in the Copyright Act .