The 7 Attitudes of Successful Money Management

Do you really need to learn money management or do you need to learn a new attitude about your money? Where did you learn your ideas about money? Probably if you're like most, you learned what your parents taught you. Maybe your spouses' money habits and concerns have rubbed off on you. Most importantly, how will yours rub off on your children? Before you can teach money management to your teen, what do your words and actions say? If your children use the same techniques for money management in 20 years, will they be headed toward success or disaster? Maybe it's time you rethought this love/hate relationship with your old friend, money. Maybe it's time you adopted some successful attitudes; such as:

1: An Attitude of Gratitude

So often, as parents we give our children this line when there are complaints about what's for dinner, who got what toy or got to sit in which seat. We say, "Stop complaining and be grateful for what you have," or something to that affect. If it's become rote, more than likely what you're really saying (which is what your child is hearing) is "Shut-up and stop complaining," which amazingly enough, doesn't sound grateful at all, does it? The way we teach our children to be grateful is by being thankful for what we have and expressing it regularly; and no other topic comes to mind so regularly as money. Are we thankful for our good health and yet whining about our paycheck or our taxes? The more grateful we are for what we have, the more we'll have to be grateful for.

2: An Attitude of Respect

We'll spend time teaching our kids to respect their elders, respect our rules and have respect for themselves, but too often respect for money gets pushed aside. There seem to be 2 schools of thought, neither of which are respect; fear or disregard. If the budget rules your house with an iron fist and every penny is squeezed, you are passing down a fear of money to your child. If money is so scary that it controls even Mom and Dad, the most powerful people in the universe, it must be bad. Total disregard of the finances is just as bad. A lazy attitude of, "Oh the mortgage will just be late and I have no idea how we'll pay for the credit card, but we'll stop thinking about that once we go shopping," teaches disrespect for money, which will translate into lack of money later in life.

3. An Attitude of Joy

Money is fun and if you've forgotten that, let me remind you. There was a time; maybe a long time ago, maybe you were still a child that you suddenly "came into" some money that you weren't expecting. There it was, a whole $20 and you couldn't believe how great it was and started right away imagining all the cool stuff you could buy with it! Why should you give up that joy as an adult? Spending money is fun and when you give with love and an open heart, not only is it fun but you are making abundance possible in your life. Spending money begrudgingly and reminding your children and spouse about how much they "cost you" every time you leave the house not only stops the abundance coming into your life, but makes you a killjoy.

4. An Attitude of Interest

How much do you really know about money? We all know that in order to have a good relationship with our spouse, we have to communicate. We have to find out what makes them tick. We have to get to know them. We know as parents that we need to know our child's interests and spend time growing those talents. We are successful at what interests us because we automatically take the time to find out more. So wouldn't that apply to our money as well? How can expect to have a great relationship with your money if you don't know the first thing about it? When the only time you spend with money is that dreaded day of the month where you grip the checkbook, hope for the best and pay the bills, how can you really know what makes your money tick? Get involved with your money and invest the time in finding out more. Get your family equally involved with the finances. If one spouse handles all the money, the other one should still know the essentials of what this family is doing with finances. Your family budget, the one your kids know exists but never find out why or how it works, is a "family" budget. Take the mystery out of your money and spend time with it.

5. An Attitude of Value

Understanding the value of money goes beyond, this is $10, it's worth $10. How you value yourself and your personal values in life are expressed through your value of money. Are you spending every waking moment in a desperate attempt to keep up with the Jones's? Are your kids always dressed to impress even though they'd rather be just comfortable? Is it not good unless it's the most expensive? These are all ideas that scream, "I am not enough, not valuable without money." Is that what you want your children believing later in life? On the other end of the spectrum we have those that never buy anything new, their house is in desperate need of repair, their children live in hand-me-downs and they're not satisfied unless they got "it" the cheapest that they could get. They even love to brag about how little everything they own cost. Are you really being frugal or have you taken the "we don't deserve nice things" and made it a lifestyle? Are your feelings of self-worth controlling your money habits? And if so, what kind of value are your children seeing?

6. An Attitude of Confidence

Obviously if you are married with children, fear of the unknown doesn't really faze you. You walked down the aisle despite what the statistics told you that the odds were. You had children and are raising them in the face of awesome odds. Look at you - you're doing it! So why, when we're brave enough to face the challenges of marriage and parenthood, do so many of us figure that money is totally out of our control. We can trust God with our kids, but money is up to fate, luck and maybe the lottery. We can count on our spouse to be with us through sickness and through health but we can't count on ourselves to be "good" with money. We'd start that business if we had the money. We'd buy that stock if we had the money. Confidence with money comes from the knowledge that you come from abundance. There is plenty more where that came from. Being bold is the only thing that's going to take you from struggling to success. Are you passing down an entrepreneurial spirit? Or are you going to whine about all the missed opportunities? Will your kids?

7. An Attitude of Honesty

Are you honest with your family about the finances? Isn't it amazing that as a parent, you can expect your child to be truthful about why they got in trouble, and yet cheat on your taxes, feeling somehow that you're entitled? Why is it that we expect our spouse to tell us every little thing that happened at work that day but what's going on with the checking account is a big mystery? Do you talk about your salary like you talk about that 6-foot fish you almost caught? What's your money story? And if it's not a good one, or it doesn't have a happy ending, what's the moral of the story for your kids? If the truth shall set you free, how free are you financially?

When you think about the relationship you have with one of your old friends, or the relationship you have with your spouse when things are going really well, what are you doing to make that relationship a success? Of course you're grateful for the time the two of you spend together. You have a deep respect for that person and you feel a joy when you are with them that always brings you back for more. You are extremely interested in what they're doing and find their ideas and feelings to be fascinating. You value their ideas and opinions and love knowing they value yours. You are confident that the future of your relationship is going to be even better than the past. And you would never dream of dishonoring that relationship by being anything less than truthful.

If you became friends with your money, would you need to manage it? Growing a relationship with your money is not only key to your own success, but a vital part of teaching your child to reach for their own financial freedom.

Cheryl Hall([http://www.MillionaireKids101.com])has the keys for parents to help their children become financially successful. She has created 3 courses to help children learn how to think about money and start on the road to wealth and independence; Millionaire Kids 101, 201 and Millionaire Masters. Cheryl is a successful real estate investor and has been helping new investors start on their way to financial freedom.

7 Ugly Lies About Unclaimed Money

Lie #1 : The holder responsible for your accounts will look for you for 3 years before handing your money over to the government.

Truth: The holder of the money doesn't look very hard to find you.

If you have an account opened with a company or institution, say a bank account for example, and have moved or become unreachable by your bank, the bank is responsible for attempting to locate you for 3 years. After 3 years has past with no contact from you, the bank will turn over your property, or money, to the government to store in an unclaimed money trust fund until you claim it. Unfortunately it is very questionable how hard these companies or institutions look for you.

For example, in the California state database the following have unclaimed money owed to them: Reese Witherspoon, Benecio Del Toro, Ryan Seacrest, Arnold Schwarzenegger and Maria Schriver. Also, interesting to find that money in the CA state unclaimed money database there is money owed to the State of California DMV, Franchise Tax Board, Employment Development Department and Social Services. This means the state of California is holding its own unclaimed money and can't find itself! Did the companies that were holding this money really look very hard to find the owners?

Lie #2: There are few people owed unclaimed money.

Truth: There are millions of people owed unclaimed money.

The total of unclaimed money is billions and billions of dollars owed to millions and millions of people. The amount of accounts turned over to the states annually is staggering! In Arizona alone $50 MILLION in unclaimed funds were reported to the state for 2004. The state of Florida is holding $1 BILLION! On the Washington State website for unclaimed money they state 1 in 7 are owed money!

Lie #3: If you search for money in your state you will find all that is owed to you.

Truth: If you only search for money in your state of residence you may miss money that is owed to you.

If you have ever lived outside your current state of residence or have done any business with any company(s) outside your state, the money may be reported in the state where the company existed.

For example: If you lived in California your whole life but had an insurance policy with a company in New York and they had no address on record, the money owed from the policy would be listed in the New York state database not California.

Inheritance is often reported in the state of residence for the deceased, since it is unclaimed chances are the heir's address is unknown.

Most states have their own searchable database, but remember, searching your own state is not enough.

Lie #4: All you have to do to receive your unclaimed money check is fill out a form.

Truth: You will have to fill out a claim form AND provide identification.

To submit your claim for money owed to you, you will have to fill out the appropriate claim form. However, that is not the end of the claim process. You will need to provide form(s) of identification and possibly documentation that proves you are the rightful owner of the funds.

Lie #5: The average claim paid out for lost funds is a couple hundred dollars.

Truth: The average claim that is paid is well over $500.

To the surprise of many, the average claim amount is about $1000! Billions were paid out in claims last year alone.

Lie #6: Every unclaimed money search is the same.

Truth: Some unclaimed money search sites are much better than others.

There are a few factors to consider when choosing a database to search for your unclaimed money.

You want to find an up to date database. A good database will have frequent updates to make sure the most recently reported unclaimed money is in their database.

The database should search name variations. This means if you put in your name it will search possible slight variations in your name to make sure all money owed to you is found. For example William B Smith may be Bill Smith or W B Smith.

Make sure it covers all databases. There are individual state and federal databases so, make sure you search databases that includes all of these to ensure no money is overlooked.

Lie #7: You can only search for your own unclaimed money.

Truth: You can search for money owed to your family and friends!

They will be happy to get the news that you found them money! By the lowest estimation 1 in 7 is owed money. This would mean that if you searched only your immediate family it is almost a guarantee you will find money.

Now that you are armed with the truth about unclaimed money, go out and find the money that is owed to you and your family!

Nicole Anderson offers more information about unclaimed money at http://www.cashunclaimed.com. Cash Unclaimed?s database covers all state and federal databases, has Name Match technology, which will search variations of your name to ensure nothing is overlooked, and offers unlimited name searches to members. Click on http://www.cashunclaimed.com for a free money search and locate your missing money today!

Hard Money Lenders - Who are They and What Do They Offer?

What is a hard money lender? I have heard the term in internet advertisements and by word of mouth, but was not really sure what they were or how they work. I looked into it a little bit and found that they are actually just private individuals with a little extra money that they make available for investment. They will lend the money they have to real estate investors. The loan is usually short term and is generally used by the real estate investors to buy and repair certain properties.

So where does the name “hard money lender” come from then? The term is a common one used in the financial world. Soft money is money that has easy terms and a flexible payment schedule. Hard money, on the other hand, has stricter terms to it and the repayment schedule is rigid and completely outlined by the loaner. With private financing, the hard money term becomes even more harsh. The terms of a hard money lender are usually very strict and rigid.

Those rigid terms will likely vary from hard money lender to hard money lender. They will also likely be affected by experience of the investor requesting. However, there are some typical terms for hard money lenders. Usually the loan will be for around half to three quarters of the value of the home, post-repairs. The period is usually somewhere between 6 ad 60 months and will charge you 2-10 points on the loan as well. Again, though, there are going to be variations from lender to lender.

Hard money lenders are actually a great resource for you if you want to go into real estate investments. There are a couple of reasons. First of all, they give you money on hand so that you can make a purchase as soon as your offer is accepted. In some cases, these lenders will even lend you closing cost money. In addition, they are people, not institutions. You can talk to them on a personal level and build trust with them, which makes it something you can really work with. You will be able to laugh with, talk with, and even befriend your lender if you go the hard money lender route. Keep that in mind as you enter the field, but never forget that you do have a business relationship and that a lot of money can often times be at stake.

Though not always easy to find because of their private nature, hard money lenders can be a great resource for real estate investors. They offer quick money without all of the hassle of larger institutions. However, you must also be aware that terms and conditions of hard money lenders have little flexibility and are often tough. Because of that, you must make sure you establish a solid relationship and reputation with any hard money lenders you choose to work through. However, find the right one and you will have money available to you to make your real estate investment experience a successful one.

If you would like to view more of my personal articles on lending [http://www.hmhardmoneylendertips.info], please visit my finance site [http://www.hmlhardmoneylendertips.info].

Money Myths Of The Poor

From tender age, we were exposed to myths about money and myths of being rich. Be it from our parents, brothers, sisters, relatives, or friends. The myths that we have determine our financial well being in our adult lives.

I call them myths because they are not true. Or, at least they are not giving you the complete picture.

We can't blame our parents for the myths in us. They already gave us the best they could. And don't forget that times change. Things were true then may not be true today.

If you want to move ahead financially, you have to be aware of the myths that you have about wealth and money. And do not let the myths stop you from living a wealthy life.

Money Myth 1: Work hard and you'll be rich.

Many of us think that by having a job with a big company would ensure that we're on the path to financial freedom. With so many layoff announcements, we might be out of job anytime. I'm not saying that you'd be one of them but the fact is there is no job that is guaranteed.

Recently, my friend was laid off in less than a month in his new job. Having a job is merely helping you to cope with daily expenses, providing you shelter, food and clothing. Do not be misled that a job or your employer will turn you into a rich and wealthy person. No one cares more than you about your wealth.

Money Myth 2: Saving is good.

When I was small, I was told by my mother that I must learn to save. I thank my mother for inculcating the habit of saving in me. The habit of saving helps me to develop discipline. Many people think that when they save enough, one fine day they'll be rich.

But is saving alone enough to make you wealthy?

I came to realize that if I only depend on my savings to get rich, I'd have to wait for a long time. That's the problem with savings, it takes a long time for you to get rich. Saving alone is not enough. You have to learn to invest your money in other investment vehicles to grow your money faster.

Money Myth 3: Debt is evil.

The other common myth about money is debt is bad. Did your parents ever tell you that borrowing was bad? Mine did. Not all debt is bad, actually. It depends on how you spend your loans that you're getting. If you take a credit card loan to buy a flat plasma TV, it's a bad debt. On the other hand, if you take loans to start a business or invest in real estate, the debt is good.

If debt is bad, can you imagine what would happen to companies if they are not allowed to take loans from the banks? As a general rule, if you use debts to buy things that increase in value over time, they are good debts. You must know whether the debt you're taking is good or bad.

Money Myth 4: You need money to make money.

When I ask my friends what's stopping them from starting their own business, the common answer is "I don't have money. And it takes money to make money." I do agree that it takes money to make money. But does it really to be your own money?

Everybody has limited resources when it comes to achieving our financial goals. I do not expect you to have everything when you plan to build your own business. You might need financial backing, manpower, expertise, or a coach to guide you. If you lack resources in any areas, find the resources. Someone else will definitely have it. It does take money to make money, but you can use OPM - other people's money.

Money Myth 5: Investing is risky.

Many think that investing is risky because they lack education in investing. Investing itself is not risky if you know how to control the risks. Most of us invest based on a tip from a friend or broker without doing our own research. When you lose money, you say that investing is risky. And you tell yourself that you'll never invest again.

To be frank, everything we do has a risk in it. Learn to manage risks by educating yourself. You can educate yourself by attending seminars, reading books, or even from the Internet.

Money Myth 6: Wealth reflects in material possessions.

Material possessions reflect your level of wealth. This is a misleading measurement. Someone who is driving a Porsche might not be rich and he might highly in debt.

Wealth does not reflect in material possessions. Wealth is a state of mind. Wealth is how fast you can become rich if you're stripped of everything. As Henry Ford once said after he was asked what he would do if he lost all his fortunes, "I'll become a millionaire again within five years."

We possess one or more of the above myths, consciously or unconsciously. But what is more important is to be aware of the myths and replace the myths with facts. By doing this will tremendously improve your financial well being.

Abel Cheng offers small and medium enterprises exclusive global profits insider tips in his free publication, Abel Cheng's Business Diary. To officiate a bi-weekly subscription, please go to http://www.abelcheng.com/diary.html And get personal email coaching.

Top 10 Secrets to Avoiding "Marital Money Chaos(c)"

Money can wreck a relationship. In fact, how they spend, save, and account for money is one of the leading sources of disagreements between couples. In almost every study, money ranks as the first or second most argued-about topic for couples and partners.

If you currently suffer from "Marital Money Chaos©" you can follow these secrets and achieve more financial success together than you ever could have dreamed. If the two of you can improve your relationship with money, you will also improve your marriage. Money can be romantic!

Secret #1: Know your spending style and your partners'

How many of you are married to your "Financial Soul Mate"?

The most common spending styles are Spenders and Savers but there are also the Procrastinators/Avoiders/Deal with it Tomorrow types and the Money Meek/Humble/ personalities.

What are the benefits/good things about each style? What are the things you call your partner when you fight about money?

Find ways in which you can take advantage of your personality strengths and minimize the weaknesses of that style. In the best possible scenario, you will both acknowledge your differences and move to the middle.

Secret #2: Values Driven Spending

Values are different than goals.

Values: Creativity, Freedom, Friendship, Financial Security

Goals: Be debt free, get a new car, and give more to charity

Take some time to choose your top 5 values and define each of them in your own words. Share the definitions and use them to understand your partner and what is important to them. If your partner's money behavior confuses you, ask which value they are satisfying. They may be doing their best, but their definition is different than yours. If you both use the same value word but have different meanings, you'll have conflict.

Secret #3: Have regular Money Meetings or Money Dates!

How many of you think that money is romantic? Actually, since couples fight more about money than anything else (it is estimated that 80% of divorces are the result of money disagreements), having an honest talk about household finances might be better for your relationship than anything else you can do! Financial well-being and peace of mind are certainly romantic!

It doesn't matter how much money people have, money is a daily event. That increases the chance of it triggering arguments and tension. Use regular meetings as a way to avoid conflict.

Secret #4: Enjoy the present and save for the future

Everyone needs to have their own play money. Ideally 5-10% of your family's income should be set aside for play. What's the use of working every day if you don't get to spend some money on play?

Secret #5: Have a needs/wish list for each person and for the family

We all have things we wish we had and those we need to purchase. Check your list on a regular basis so your subconscious can focus on other things. It's also great fun to check off the things you take care of. Great place to go to find out how to spend bonuses or other windfalls.

Secret #6: Divide financial responsibilities between partners

Focus on each person's skills, interests and availability rather than relying on out-dated gender stereotypes or how much money one partner makes. Share what's going on with your partner during your monthly meetings and make big decisions together.

Secret #7: Each person has some money they do not have to account for.

This is probably one of the MOST important things you can do for your relationship. No grown up likes to have to ask for an allowance or justify every little expenditure they make. Determine in advance how much money each person can "do with what they will" and no questions asked. Savers can save, spenders can spend, procrastinators can leave it in a jar and the money meek can feel free to give it all away.

Secret #8: Take action, one step at a time

I can guarantee that you will save $1000 1 year from today if you put away just $2.74 per day. Where can you find $2.74 each and every day? Do the same with larger goals. If you want to go on a $2000 vacation next year, save $6 per day.

Secret #9: Learn something about money and finances every day

There are lots of good resources out there - websites, books, magazines, classes. You can start at my website: http://www.mendyourmoney.com/category/family/ where I have articles, calculators, book reviews and teleclass schedules.

Secret #10: Plan your spending and spend your plan

I know, no one likes the "B" word (I call them spending plans) because they feel restrictive. Instead, plan your spending ahead of time and give yourself permission to spend money in certain areas and get creative about the areas where you choose to spend less. When we feel like "going out" at our house, we have "no silverware dinner" of ribs, french-fries and artichokes. We spend the time enjoying ourselves and creating memories without spending a lot of money. I bet you can do the same!

(c) Mend Your Money Financial Coaching - All Rights Reserved

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Cindy Morus (http://www.mendyourmoney.com) is a Certified Financial Recovery Counselor specializing in showing women and their families how to achieve financial well-being and peace of mind. She is also a Certified Credit Report Reviewer. Contact her at 541-387-2995.

Attention Ezine editors/Site owners: Feel free to reprint this article in its entirety in your ezine or website as long as you leave all links in place, do not alter the content and include our resource box as listed above. Thanks.

Making Money Myths - You Don't Really Need Financial Wealth and the Pursuit of Wealth is Evil

When life is going well, it's easy to convince yourself that you have no interest in creating financial wealth. After all, you have a job that provides enough money to cover the bills and still have a little left over to put in savings. What more do you need?

Anyway, maybe you've even been raised to believe that the pursuit of wealth is selfish. Or, if you hang around enough people who believe in God, you've likely heard someone misquote the Bible as saying, "Money is the root of all evil."

Of course, the bible doesn't really say that. It says, "The LOVE of money is the root of all evil." (1 Timothy 6:10). While this article is not intended to be a review of what religion says about making money, I have put a couple of quotes in it for those who follow the Bible or some other religious text. You can find similar quotes in almost any religious text. What this article is intended to do is to dispel these money making myths.

Love of money is evil and it can destroy marriages, ruin families, and make your life miserable. If your life becomes nothing but a focus on getting wealthy to the point you are replacing the love of people with the love of money, then money is evil. People are the ONLY good reason to have money. Not for what possessions you can buy with it.

Money in itself is just a thing, another possession. It's what you do with it, or how you treat it that determines whether it's good or bad. You must learn to be content with whatever amount of money you now have, but that doesn't mean you can't or shouldn't work on building wealth.

In general, money will only make you more of what you already are. It's an amplifier. If you're a giving and caring person, more money will allow you to amplify your giving and caring. If you're currently greedy or selfish, having more money will just make you more greedy and selfish. If you now frivolously spend every dime you make, even if you somehow manage to become wealthy you won't keep your wealth.

If you follow the Bible, Luke 16:10 says it like this: "Whoever can be trusted with very little can also be trusted with much, and whoever is dishonest with very little will also be dishonest with much."

That's why it's so important to get your life in order before you become wealthy. You need to work on your financial mental programming before you work on financial gain. Your mind needs to be trained to think like wealthy people think so you'll act like wealthy people act.

You also need to learn how to share what you have with those who are in need. "For if you give, you will get! Your gift will return to you in full and overflowing measure, pressed down, shaken together to make room for more and running over. Whatever measure you use to give--large or small--will be used to measure what is given back to you." (Luke 6:38) That's the Bible's way of saying that if you use wealth wisely, more wealth will be provided to you. If money were evil, that wouldn't be the case would it?

But even before you work on training your mind for wealth, you have to believe that making large amounts of money can be a good thing or you won't do what's required to make it.

If you are one those who are not convinced that having wealth is a good thing, ask yourself how you would feel if a family member, maybe a parent or your child, became severely ill. Would you want to see them get the best medical care available regardless of the expense? Wouldn't you feel helpless if you didn't have the money to help them get the best medical attention?

Or what if you have aging parents who need financial assistance. So many people these days are retiring without a sufficient nest egg built up and they are forced to live in poverty on a meager income from some government assistance program. Would you want to see your parents live this way?

Or what if you had a friend or family member who was in a financial predicament? Wouldn't you feel good if you could help him or her out? Or have you ever wished you had the financial resources to help out a total stranger you've seen on the news whose house burned down and their kids needed clothes and other essential items?

Or maybe you would like to provide meals for the needy, or help less fortunate kids, or fund the development of an addition to your church.

The charitable uses for money are endless. But only those who have money can use it to benefit others. While the poor can give small amounts to charitable causes, it's wealthy people who have the greatest impact on the world.

But don't forget yourself in this picture. Even if you're happy now, you can't predict what will happen in the future to change that. Your current source of income isn't guaranteed. You could get laid off (it's happened to me several times), or you could be injured and no longer be able to work.

By taking time to focus on making money now, you're essentially taking out an insurance policy in case something happens to you later in life.

Large amounts of money take time to make. It's difficult to build wealth when you really need it. So by choosing to pursue financial wealth now, you're insuring yourself against future unknowns.

While charity or or insurance against unknowns are choices you can use wealth for, you'll also have more choices in every area of your life.

Would you be doing the work you're now doing if you were wealthy? Or would you be doing what you're passionate about. Incidentally, doing what you love to do is one of the best ways to become wealthy in the first place.

But besides picking the career of your choice, you'll be able to provide your children with the best educational opportunities, take your parents on that vacation around the world that you always dreamed of, spend more time with out of town family or friends, seize opportunities that will advance you and your families' lives, and the list goes on and on.

So even though you may be living a comfortable existence now and not feel like you really need to strive to build financial wealth, wouldn't you really rather live the life of your dreams instead? Wouldn't you like to know you have insurance against unknowns? Wouldn't you like to have the financial resources to help other people? Once you learn the right way to use it, money is definitely a good thing.

Tim Bruxvoort is an ecommerce entrepreneur who operates a full-time ecommerce business called http://www.IntercomsOnline.com He also is a partner in a small business marketing consulting business that helps small business owners improve their marketing and their profits. For more information go to http://www.fastbusinessprofits.com

Earn Money Online And Work At Home Based Business

Everyone loves money. Every day there is more and more ways to earn money. One way is to earn money online. There is hundreds of ways to earn money online. I hope to guide you through some of the ways to earn money. I will also inform you on some of the scams that say you can earn lots of money with little work. Hopefully you won't fall victim to any scam and wasting time and money. One key thing to remember is if you find any money making opportunity that asks you to pay money before you can earn money it probably a scam.

There is many ways to earn money online. I will go over some of them for you. Paid to read email is one of the best ways to earn small amounts of money online. Paid to read email sites that will pay you usually pay you 1/10 of a cent to 5 cents per email. If a paid to read email site says they pay 1 dollar to $500 per email is usually a scam and will not pay out, so try to stay from those. Also you might stay away from high payouts unless they have proof that they pay.

To earn money online you can fill out surveys for money. Some survey sites let you earn points and later exchange them for cash.Other survey sites will pay you cash. There are also survey sites that give you merchandise for filling you surveys. Some sites say you can earn up to $250 per survey, but they ask you to pay them money to get the surveys. I would stay away from those sites unless you have money to blow(but who does). You can earn money by selling things on Ebay. By being an affiliate can earn you money. This way is the easiest way to earn money online and affiliates are in high demand.

Every company loves affiliates because affiliates get the sites seen by lots of people. There are all kinds of companies who use affiliates and they range from adult to wal mart and every thing in between. Affiliate sites usually pay you per click of per sale. If you have excellent computer skills you can earn money by designing banners and designing websites. There is good money in reselling software. You buy software and than you can resell if for any price. You can earn money online by surfing the web. Some surfing sites have you install a tool bar that keeps track of the amount of time you spend online and pay you for that time. They usually pay well and you don't have do anything. This is great because you are going to be online why not earn money for being online doing what you want. The other way to get paid for surfing is joining a program such as SAS. They pay you for visiting sites and you also get hits to your site if you have one.These surf programs usually pay 0.50-1.00 for 1000 views.

With many mom's opting to stay at home with their children. This has given rise to the home based business. I the past the only home based business out there were Avon, Tuppware, Mary Kay, and Amway. Those businesses were for women and left men out of the picture.

The internet has given the men an equal chance to stay at home and work. You can work at home doing almost anything. I will go over some opportunities for you. One of the biggest home based business is Specialty Merchandise Corporation also known as SMC. They have been around for for years and started with mail order products than moved to the internet. The good thing about them is you make profits ranging from 100%-300%.You don't have to carry an inventory they do it for you and they do the shipping for you too. SMC also provides you with a personal business coach to help you every step of the way. Now you may have heard of the data entry and typing jobs that are out there. Well guess what they are a scam because they make you pay to work for them. You do not have to pay to work at home. When looking for jobs where you can work out of your house you need to know that you do not have to pay to get a job at home. The work at home jobs you should avoid are typing, envelope stuffing, processing refunds, making crafts, chain letters, and medical billing. All these jobs require you to pay fees to work at home. You do not need to pay to get in on a good work at home job. You can start a home based business on anything from a day care center to writing on things you know and everything in between. You need to find the right home based business for you. A lot of businesses ran out of the home fail because of the down times and you will have up times, but in the beginning you have more downtime. With all these opportunities around it is hard to choose one. Your best bet for a home based business is any idea you have in your head. Most people don't want to act on their idea because they think the idea is dumb. The only dumb idea is the one not acted on.Your best tool you have is your brain and thinking is hard work and tiring, but if you think about what you want to do and you will be a success. You need to think about what you are going to sell. You need to research what people want. You need to think where you are going to advertise. You need to think what you want your ad to say. You need to think about what you want to write articles on. All that is why you need to use your brain. You can not put your home based business on auto pilot and expect to earn good money.

In conclusion,no matter how you choose to earn your money there will be a scam waiting to grab you and part you from your money.Keep your eyes open and you won't get taken for a ride you don't want to be on. You can earn money online for doing just about anything.If you have a good plan for a home based business go for it, but remember that it takes time to really get going. Use your brain and you can go far. When you start to earn money you will see that everything you put into your home based business pays off. Start off small than grow bigger. If you start small you won't loose much and you will be able to see your growth. If you want to start big and you don't grow you will be disappointed. Take it slow and you will earn more and more. If you find some one to help you make sure you can trust them. I hope you walk with a better understanding on how to earn money online. Here's to you and all your success. May you be successful.

John Ong is editor of Top Work At Home ? Focus on Earn Money Online, Work At Home, Home Based Business and Internet Home Business Opportunities. Work At Home Based Business