Earning Online Made Easy!!

Make Money At Home... Easily With No Sponsoring or Selling!
Follow the RULES:
==> 1. Make your own due-diligence about the program... Research, ask, approve! ==> 2. Invest only the money you can afford to loose... Better safe than sorry!
==> 3. Take-out your principal as soon as posible... Re-invest only the profits! ==> 4. "Don't put all your eggs in one basket"... Diversify is the key!
==> 5. No program, on the net, that will last forever... A little patience to survive!

01 November 2005

The Truth about High Percent Sites

As you are no doubt aware, there are so many sites to choose from at the moment, there must be some way to ensure that the sites you join and put your hard earned cash into are honest and reliable. Unfortunately there is no way to ensure that, but there are ways you can minimize the risk. You should ask yourself, (and probably the webmasters too) some questions before investing any money into their program. The first question you should ask is "Who owns this program?" Beware of that bloke named "Admin" who seems to have a finger in nearly every single site. If you don't know the owners name, send him an email and ask him. If you don't get a response, or you get told lies, then don't upgrade in that program. How do you know if you are being told lies? Don't believe everything you are told, do some checking of your own. Make a whois search on the domain name. This used to be a great way of finding out info about a WM, but now they are finding ways of hiding their information. So if their information is hidden, and they cannot or will not give you an explanation as to why, don't invest in their program. If they do provide some information, check it. If you have joined the program, login and go to the upgrades page, and see who the money is going to. You can go right through the process and get out of it at any time. The upgrade is not completed until you press "Pay". Compare the information. If it is radically different and you still wish to join the program, (Why would you?) then email the owner again and ask him why the discrepancy. There is no need to be aggressive in these emails as you may put an honest webmaster offside, however a polite request will usually provide you with the info you need.

Next question you need to ask yourself is "Is the deal this program offers genuine?" "Is it sustainable?" History has already proved that a program that offers more than 1% is not sustainable in the long term. Look at the maths, a 1% program promises to pay you $3.65 over a period of 12 months for every dollar you invest. Is this sustainable? Of course it is, if the webmaster has a plan, and reinvests your upgrades wisely. I recently saw a program offering 10% for 30 days. Is that sustainable? Absolutely not! For every dollar you invest this program has to pay you $3, but they only have 30 days to do it. Where is the reality in that? Where does the money come from? The WM concerned would have us believe it is going to come from the sale of advertising. Hullo.... Why would anyone purchase advertising in an autosurf program, when they already get it for free. If you don't believe me, sit and watch next time you are surfing Studio Traffic. The most common ads you will see on Studio Traffic are ads for other Studio sites. If they can't sell advertising, how can a "new kid on the block". This is nothing more than a "Tripler" with an autosurf program attached. If you get in early you may get paid, but if you do it will be at the expense of someone else down the line who will not. Classic ponzi scheme.

Other Warning Signs. Don't upgrade in a program that bombards you with emails making special offers of matching upgrades, or more. Be extra wary if these emails are in BLOCK LETTERS. This method of scamming has already been used in about 20 programs to collect huge amounts of members funds and then disappear. Now they have a new one, "If you have previously upgraded with earnings you are breaking our rules, and have 5 days to upgrade or have your account deleted" Let them delete you. If you haven't upgraded before you have nothing to lose, and if you do upgrade YOU WILL LOSE IT. Don't upgrade in a program that only offers e-gold and Moneybookers as payment options. There is a fair chance that the owners of these sites are the same people referred to above. They have scammed before, and they will do it again. Don't fall for the "Payouts are complete" emails these programs send out. This is another ploy to convince free members to upgrade. The ones that are still waiting to be paid will not have their emails answered, and will not get paid. Be aware of people that have already failed previously, and then open up another site. Some are deliberate scams, and some are just bad business people, either way, have nothing to do with them. It is also a warning sign when you get an email from a site proclaiming that the owner is sick. Whilst I have no doubt that some of these emails are genuine, the truth of the matter is that almost all of these sites close shortly after. Unfortunately it is usually too late by the time we get notified.

~*~Courtesy of http://www.autosurfinfo.com/~*~
~*~Owner of http://www.dadndaves.net -An Autosurf Site~*~

Common Sense Investing

by Lance Spicer

“Doesn’t everybody use common sense when they invest?” The simple answer is few people do in reality. In fact many novice investors do the exact opposite.

They use their emotions or gut feeling to decide which investment to put money in. Some, even experienced investors, get caught up in hearsay, or “hot tips”.

Unfortunately, greed and anxiety run off with their common sense and it rarely makes a re-appearance…. until all their money is gone anyway. Now, I’m not just talking about mistakes made by buying the wrong shares, although that is a common occurrence and we’ll talk about that a bit later, but all the weird and wonderful schemes that people think will make them rich.

Schemes such as the ones where people get paid between 5% and 20% per month. Often called trading programs, these schemes are nothing but scams and ponzi schemes that are more urban myth than actual investment. Sure, some people do get paid, for a while, but the scheme soon stumbles and the whole thing collapses, although some schemes have lasted a few years, one that comes to mind was in Queensland, the Wattle Group, and it lasted for over six years.

My advice is to stay away from these things, they are promoted by people who earn a high commission from your participation and quite often the person promoting the scheme doesn’t know it’s a scam either, that’s how convincing they can be. I have seen some so elaborate and sophisticated that it had bankers and professional investors fooled. You’ve been warned, stay away.

When it comes to the stock market, being fooled into parting with your hard earned money can be almost as easy as being lured into some elaborate scam. The worst offenders here are inexperienced brokers and the venerable “hot tips” from friends and associates.

You shouldn’t depend on your broker for all the answers, they will all too often let you down. If your broker was such an “all-seeing genius”, what’s he or she doing turning up for work each day – they should be lounging around on their yacht. True? The truth is there are no “gurus”, there are only people with good information and common sense. This is all the world’s greatest investor, Warren Buffett uses. Good old-fashioned common sense, a commodity not often used in the hustle and bustle of share trading and investing.

For instance, look at your portfolio; do you know why you own shares in each of these companies? What compelled you to buy these particular shares? Do you know what they do? What is their compound earnings growth for the last 5 years? What is their estimated earnings growth for the next 5? You need to have answers to these questions, before you buy the company, not after.

The major and only real reason to invest in a company is for its earnings – current and future. Without earnings or the 100% guaranteed prospect of future earnings, the company is worth nothing, that simple.

Would you really want to invest in a company that has very little chance of making a profit in the future? So, why do some investors invest in “penny dreadful” mining shares or those “dot com” companies?

Many of these companies will never make a profit. The reason they invested, is because they have probably been swept away by emotion, greed to be exact – no common sense there. This is my point, common sense dictates that you would probably be a fool to invest in these companies, but people still do.

My philosophy is simple, look for earnings growth. Where earnings growth goes, the share price will always follow. Sure, the market will have its ups and downs, but at the end of the day, growth in earnings will always win out, it always has and always will. So, how do you identify these companies with strong earnings growth?

Sometimes it’s not easy. While some brokers are often (my opinion only) a poor judge of picking stocks, some do have pretty good research departments and analysts who, based on what the particular company’s executives tell them and also reflecting on recent history, can often come pretty close to predicting the earnings not only for next year, but up to five years out with uncanny certainty.

The best I’ve seen are the New York analysts. These guys are good, they can predict a company’s quarterly earnings within a cent or so. However, this doesn’t make them good “pickers” of stocks, you need also to apply your common sense to this information. For instance, the company might be showing good earnings prospects according to the analysts, but will it last?

What I mean is, are the company’s products or services in great demand? Are they always innovating and coming up with new products? Does management appear to be good? Are they consistent with their growth? Is the future profit growth compounding at 10% or more, past and future? Does the future prediction of growth sit comfortably with the past? Bottom line – Does the prediction make sense?

If the answer is yes to all these questions…. You better buy some shares in that company! Now reflect on your portfolio again….…….. “Hmmmm….oops”, could be your reaction here. Common sense has kicked in hasn’t it?

Would you like the name of a company that has consistent 15% earnings growth for the last 10 years? A company that has predicted future growth of around 15%? A company with a record of share price growth compounding at over 15%pa? A company regarded by many as the best in the world and with the best management and CEO? Also, it’s products are regarded as the among the best in world. It’s General Electric Co. of the US. Your broker in Australia can buy shares for you, it’s that easy.

There are many companies out there that make similar claims, it’s just a matter of finding them. This takes time and effort, however it’s well worth it, just don’t forget to use common sense.