Online writing is a vocation that not a lot of people think about. Many don't realize that there is the potential to make a lot of money from doing this as a career. Online writing is a new job that has emerged in the last five-ten years, as a product of the internet. The internet, of course, makes this and other online jobs a valid career choice for this generation. There are many benefits to doing online writing. Not only is the potential income a great benefit, but you can do the job from anywhere that you have an internet connection. Travel the world while you are working! In this article we will discuss the basics of how to write an article, tips for choosing topics, and how to get started in online writing.

 

How to Write an Article

 

If you can put together a basic article like you did in English class, then you can do online writing. To refresh your memory, here is an easy way to construct a paragraph. The "Hamburger Paragraph" is a simple model which I was taught in school. There are other ways of creating articles, but this is a good simple one that anyone can follow. The concept follows the idea of 5 sentences, but you can alter it of course.  

 

The first paragraph is the introduction (the top bun). In this sentence you will state your topic belief, the objective or purpose. The next three sentences are used to prove your statement. These are the insides of the hamburger: i.e. the cheese, lettuce and 

hamburger patty. The final sentence, number five, is used to conclude your paragraph. This is the bottom bun of your hamburger. In this sentence you will restate your main statement and any claims which you have backed up by the three previous sentences. You are finished! See how easy that was? Here is an example:

 

Cats are a nuisance and not suitable pets for families with young children. They often have trouble using their kitty litter box and will miss their target, getting it all over the floor  causing a big mess to clean up if the kids don't get into it first. Cats make loud 'meowing' noises which can keep napping children up as well as get on anyone's nerves. Cats have a mean streak about them and have been known to strike out and scratch an innocent child or even bite them. If you have ever owned a cat, you will indeed agree that they are a nuisance and not a suitable pet for families with young children.

 

Using this model, you can grow your paragraph to a larger one by increasing data and proof to back up the statement. You can also prove a number of statements. Turn it into an article by having the first paragraph state your position. The next three or more paragraphs can be used to prove your claim(s). And finally, the last paragraph will restate your claims and conclude with a small summary of the results described in the previous paragraphs.

 

Choosing Article Topics

 

There are a variety of topics that you can choose to write about. When choosing topics, it is preferable to go with those that are familiar to you, if you have a choice. Make sure that you can write intelligently about the subject. This may involve doing a little research first, before you begin. Or, maybe you have something important to say or some interesting tips to share with others. Choosing good subject matter and writing it well will help you excel in online writing.

 

Getting Started in Online Writing

 

Where should I post my articles? There are a variety of websites available where you can post your articles. You will want to sign up for a Google AdSense account and also an account at an online writing site that shares AdSense revenues like WordWolf.com . Right here at Word Wolf is a great place to start. Pick a topic that you are passionate about, and write about it. With AdSense attached to your account here, you will begin to receive Google AdSense income from your article. There are also places you can go where you can hire out your article writing skills. You will be given the topics and number of words that are required and then you will submit the articles for payment. It is a good idea to also have a PayPal account as many people, both employers and article writing sites will want to send payments using this method.

 

Now that you have some more information on online writing, you can get started. Try writing an article using the Hamburger Paragraph method, choose your article topics wisely and sign up for an account on WordWolf.com . You will soon be on your way to earning money in online writing. 

You know what they say: save for the rainy days. This clichéd saying is now particularly true on hard times like today, when money is a scarcity and we are on the risk of losing our jobs. Many people complain about the rising expenses and insufficient income. However, the real problem is how we budget and save our money. We should start spending our money wisely now—don’t fret just yet, it’s actually easier than you think. Here are some quick and easy ways to save money in our simple day to day tasks:

 

• Know your earnings and spending capacity. You can do this by calculating your present resources and income. Do not exceed the speeding capacity!
• Never engage in impulsive shopping. It is important to contemplate each purchase for a long time, especially if it isn’t cheap. Scrutinize each purchase and figure its significance and need. Do not buy that pair of shoes just yet, wait out for a few days or a week and come back to that store to see if you really want it. 70% of the time, you may realize that you don’t want it as much anymore.
• Avoid eating out on restaurants, cafes and even fast food joints! Cut down your trips to the vending machine or café on your lunch break. Instead, bring your own lunch or food to work to minimize expenses.
• The best way to save money is to plan carefully before shopping. Especially on grocery shopping, make a list on what you plan to buy and stick to that list. Moreover, do your grocery shopping when you are full, when you are least likely to make impulsive purchases.
• Be a savvy buyer! Look for coupons in magazines, newspapers and online for weekly in store specials. Consider buying a generic product rather than a branded one.
• Buy your home décor items, clothes, and shoes during off season sales and clearance sales.
• Use your electricity sparingly to save a lot on the power bill. Switch off the lights when leaving a room. Turn of the PC when not in use. Plug off all electrical circuits. You will see a huge difference it creates in your power bill!
• As much as possible, do not use your credit card. Leave them at home when you can! Pay in cash so that you can better keep track of your expenses.

Aggressive. That’s what they always say about you. It is no surprise because you always tend to grab an opportunity as soon as they come your way. You hold it with both hands responsibly without looking back. It you want to take bigger chances, why don’t you delve into low cost stock trading? If you have enough money, you can check out the movements in the Stock Exchange and see if it bodes well with you.

Stock exchange is an organized market for the buying and selling of what they call financial instruments such as bonds, stocks, futures and options. To be successful in this kind of helter-skelter market, you should be emotionally ready to do business with the more experienced lot and risk according to your best and most reasonable judgment.

You are not alone in this kind of field because there are a lot of young investors without a whole lot of money who are as aggressive as you. Your low cost stock trading can start as an unlisted type of stock. You can do it over-the-counter or more like over the phone or the computer. You do not have to be physically there to do the stock trading yourself.

The major stock trading facilities in the United States are the New York Stock Exchange (NYSE) and the American Stock Exchange (AMEX) which are both located in New York City. Since you are into low cost stock trading and would rather do it over-the–counter, you may want to check out the major over-the-counter market called the Nasdaq Stock Market.

How does one determine the price of the stock? It follows the basic supply and demand curve. If there is high expectation about the profits of that particular corporation, there will be a high demand for their stocks and therefore will increase in price. But if the demand dramatically decreases then the price will follow. 

Before you take stock trading too seriously, make sure that you are equipped to do this kind of trading. After all, you are already investing a big bulk of your money. It is important that you know how to make trading decisions yourself instead of relying on brokers. Hiring a broker to do the trading for you would be costly if you put too much trust on them. Beware that there are a lot of tricksters in the stock trading market and making it obvious that you are an apprentice at this kind of trading makes you an easy target.  

Read stock trading books, research on the internet, ask a few trusted brokers and mentors. You need a solid background on how to buy, sell and trade stocks. You need to know all that there is to know about stock trading or you are just throwing yourself into the big filthy mouth of a shark, willingly. You should be smart, focused and objective. Do you know what to trade, how much to trade and when to trade them? Do you know what you are getting yourself into? If you can give firm answers to these questions, then you can start with the low-cost stock trading as a stepping stone before hugging and risking bigger stocks.

Having your own home may be one of your greatest dreams in your lifetime and these are made possible by a slew of home equity services offered by private lending companies and even trusted banks. You may really enjoy the perks of owning one but this may also cause you to have hefty monthly fees that can give you financial strains in the future. But before you fret about that fateful event, read ahead to know more about home equity mortgage services available for home and property owners like you.

Home equity finance services are first understood through a discussion of home equity so it would be better to delve with it first. Real estate defines home equity as the difference between the market price of a house or properties and the owner’s mortgage debt. So with a home that has a market value of $200,000 and an owner that still has a $100,000 debt in the bank, the equity would be $100,000. This is like a typical debt at first glance but they actually provide opportunities that other lenders could not offer such as bigger loan amounts with much more affordable interest rates. The big cash-out could also be your means to consolidate other existing credit card debts and property loans. Oftentimes, the loan amounts are big enough for you to pay other home and family finances or even allow you to invest in business and other properties.

Reputable banks that helped you to purchase your dream house could also be the answer in keeping that place where you had built memories with your family. Banks such as Guaranty Bank offers home equity services that could give you over a hundred refinancing options that could suit all your financial needs. These options also guarantee flexibility, low interest rates and knowledgeable teams of loan officers that will assist you in your loaning needs. Re-application process is made convenient and no additional chargers are also incurred once you’ve availed of their programs.

Refinancing is also possible through 100% or 125% home equity loan services that base the amount of the loan to loan-to-value (LTV) ratio established by lenders. This may sound like a good deal since having a 100% home equity loan will allow you to get 100% of the appraised home value. And you could just imagine if you avail of 125% loan, an additional 25% to the market value could really turn refinancing into a lovely deal. However, there are risks once a borrower opts for this program such as higher interest rates and for 125% home equity loans, interest rates are not supported for tax deduction.

There is also yet a new scheme in the refinancing market now in the form of no cost mortgage refinancing programs that promises out-of-the pocket expenses during the closing period. This method may really look like a no-fee mortgage at first but in reality, the missing fees during closing are bumped up to your loaned amount thereby increasing interest rates and financial charges.

All these and more are now available in the market. So before actually resorting to refinancing options, weigh first the pros and cons that come with these programs and reassess your financial capacity so that you won’t ever loan again. 

To fully understand home equity finance, the concept of home equity needs to be explained and fully understood first. In the real estate glossary, a person’s equity in a property refers to the difference between the market value of the property and the owner’s mortgage debt. So if your home was appraised at $400 and you still have a mortgage debt of $100,000 then the home equity would be $300,000, the difference of the two values.

Home equity mortgages may be that typical loan that occupies the number one slot of your monthly expenses list, but you may want to hold that thought as equity could also be a form of wealth-boosting and money-saving scheme. Yes, equity could be translated as your personal wealth at present and in the future through Home Equity Finance. The finance program is made available to people who still have mortgage debt in their properties. If you are one of those people, you may choose between a lump sum home equity loans for a period of time and a line of credit that works just as a credit card does. 

How exactly does home equity finance boost your personal wealth and help you save money too? This refinance program allows home and other property owners to consolidate their existing debts into a single loan with more attractive features. So if you have to credit cards in which you are paying with interest rates up to 17%, you can merge them all into one and opt for a single mortgage offered by lenders with much more lower interests. Other examples of debt that are covered by this loan program are car leases, student or personal loans and other property loans. 

This scheme may also be ideal if you want to organize your payables in each month. Loaners often miss out important due dates because of the varying lenders or brokers and amounts that they have to pay, so to solve this monthly dilemma, you can just choose a home equity loan program, pay out all your other debts and just pay once a month to one lender. Isn’t that convenient? To top it all, refinance programs such as this also allows more cash-outs giving lenders the chance to pay expenses for home improvements, or even take the family out on a trip. And to make the mortgage more useful, you can invest in other businesses or other properties that could increase your income. By doing so, your interest payments will be instantly turned into tax deductions.

Home equity finance scheme can really help you in managing other debts and all your finances in general through tax deductions, reduced paperwork and lower interest loans. However, making your home as collateral in this loan program may be quite risky so it would be best if you take a lot of brain-racking first before jumping into any of these programs. Choosing the right lending company that could align their products and offers according to your financial capabilities may also save you from more and even bigger loans in the future so decide wisely.

Who does not want to earn extra money whenever the opportunity to do so presents itself? There is a new way for you to earn money on the side and from home and this is called the credit card business opportunity. This kind of a money making venture is actually the idea of credit card companies to increase the number of people that avail of their services. Since more and more credit card companies are coming out of the woodwork, so to speak, and are vying for the business that you and your friends can give them, the idea of giving people a chance to make money by getting others to sign up for a credit card from them emerged.

This kind of an opportunity is ideal for those people who have a bit of extra time on their hands and who know people who just might want to get a credit card. Stay at home mothers who have a computer and an internet connection can avail of such a credit card business opportunity and they can tap their PTA friends to get credit cards from them. People who work from home as well can take advantage of such a business opportunity. As long as you know your way around a computer, have a steady internet connection and know how to sell these credit cards to people who need them, you will earn a lot of money from this. Starting is actually pretty easy and there are entities that help you with your first steps into the business.

There are a number of online companies that do help you start your own credit card business. How? It is actually pretty simple. After you sign up and you get approved, these companies that have connections with various big name credit card companies set you up with your own website that has quite a selection of credit cards on them. These credit cards offer people different terms and different incentives and no matter which credit card a visitor to your site picks, as long as they apply from your site and get approved for a card, you get a commission. It is that easy and each card that gets approved from your credit card sign up site gives you between $50 to $75 dollars in commissions. This means that the more people you get to sign up and approved for credit cards, the more money you make.

Another credit card business opportunity that you can take advantage of are prepaid credit cards or what may easily be termed as debit cards. These cards are often offered to businesses that have employees who want to easily keep track of their spending habits and want to limit what they spend. Users of these cards often add more cash to the card whenever needed and they sometimes get these cards for use by their children or other dependents to also keep spending to a minimum. Just like a regular credit card referral business, people who get individuals and companies to sign up for these kinds of credit cards get a commission for each closed deal. This is where your income comes from and to earn more all you need to do is to get more people to sign up.

If you’re unemployed you will more than likely feel frustrated by the lack of job opportunities available.  The recession has hit people hard and those that have lost their jobs are dealing with the real possibility of losing their homes.  If you want to make money whilst you are unemployed and looking for work, there are a number of ideas open to you.

First of all you need to be pretty flexible in what you do.  You can’t expect to earn money just by using the qualifications you have.  You need to think about other skills you have, even if it’s just gardening, home improvement or such like.  You don’t have to do exactly the same work that you did in your previous job.  This means you can think about hobbies that you enjoy but never thought you could ever make a career out of it.

Another thing you need to understand is that there are no “get rich quick” schemes that actually work as well as they say, if at all.  If it sounds too good to be true it usually is.  So be careful.  There are so many dodgy people out there who want to get their hands on your cash by promising all the riches in the world.  Don’t part with any cash unless you really know what you are doing.  Of course, if there might be some equipment you need to set up business, what I’m saying is that you shouldn’t pay for any expensive courses, eBooks, DVDs and such like.  Certainly when you are just starting out.

On the internet you are able to connect with people and businesses all over the world.  There are a lot of real ways to make money on the internet just by tapping into skills you have.  Some of the popular ways of making money on the internet include:-

Freelance Writing - If you are an expert in a particular area then you will be able to write about it very easily and people will pay you for the articles you write.  Normally they will send you keywords they want articles written about and you will write them for a fee and within a particular time frame.  How much you can earn via this route will really depend on how quickly you can write articles, the quality of your writing and being able to find clients willing to pay for your work.  You will be in competition with people from all around the globe and usually people in India will be able to charge a very small amount of money.  So if you want to charge more, make sure you offer a quality service.

Graphic Design - There are many website owners who want eBook covers, virtual CD covers and header graphics to make their website look really professional.  Again, how much you can earn is dependant on the quality of your work however there are people out there who are really fantastic at what they do and as a result they struggle to keep up with demand.

Affiliate Marketing - Basically you can create a simple website, blog or write articles for WordWolf and then insert affiliate ads into the content.  There are many affiliate ads you can use however Google Adsense, eBay, Amazon and Chitika are some of the most popular.  What you do is write helpful articles explaining to people what products or services they need to pay money for in order to resolve their problems.  So think about topics like cleaning stains, roof repair, car dents and dog training.

Of course, you don’t need to use the internet to make money whilst you are unemployed.  You should also look to be available for part-time work, temporary work and also think about the skills you have in order to become self employed.  Perhaps you could give private tuition to students, rent out a spare bedroom or garage, or do some gardening.  The more flexible you are the more likely you will be able to discover ways of making money.

 I've written before about ways to make extra money, but for many people, making more is only half the battle.  To achieve real wealth, you simply must spend less than you earn, and this is where learn how to save money comes in great handy.  While earning more money is a great way to grow wealth, doing so always takes time.  However, when it comes to saving money, there are things you can do today to get started that will yield immediate results.  Of course, this tips don't do you any good unless you get started, so be ready to take action after reading these tips.  In fact, I would like you to choose one tip from this article to act on today.  This will help prevent procrastination, and help you on the path of keeping more of your money today.

• Buy and sell on eBay.  If you have time to buy from garage sales and Craigslist, you can find items selling below what they sell for on eBay.  You can then photograph and list these items for sale.  If you do your homework, this can be very profitable.
• Similar to the above method, if you can buy broken items (such as laptops, iPods, cars, bicycles, and more), fix them, and sell them on eBay or Craigslist for a profit.
• Cultivate your talents and offer them up for an hourly rate as a freelancer.  This is one of the best ways to make money, but also one of the hardest. Still, being a successful freelance can be very rewarding.
• Learn how to make money online.  You can create websites centered around a topic of interest, and sell products or advertising on them for money.  Or, sign up here at World Wolf and start earning money for articles today!
• Create your own product and sell it.  This can be a physical or information based product, sold online or offline.  If your product solves a real problem for people, people will buy it.
• Ask for a raise.  Sure, this might not be what you were expecting, but for many people this is the quickest way to earn extra money.
   

 

If you are a website owner you will want to know all the different ways there are to generate traffic.  Of course, there are plenty of methods that involve paying money however if you don’t want to spend any money you can still generate traffic to your website for free.  There are so many different ways and each method has it’s advantages and disadvantages.

Before I begin I need to make it clear that there are different types of traffic and lots of traffic doesn’t necessarily equal big bucks.  You see, when people connect to the internet they have different ideas of what they want to achieve.  Some people simply want to be entertained and to connect with friends.  Whilst there are others who use the internet in order to buy products.

Imagine that a very famous celebrity (for the sake of example let’s say it’s Britney Spears) was involved in some sort of scandal and thousands of people start searching for information about the scandal.  When they find the information they are looking for they just move onto other things, whether it’s checking the email or whatever.  Basically they are looking for information and entertainment (infotainment?) and that’s it.

However the person who wants to buy perfume by Britney will type something along the lines of “buy Britney Spears perfume.”  So if you’re selling Britney Spears perfume you will want this sort of traffic rather than the traffic where people want to know about the scandal she’s been involved in.

Anyway, if you just want to learn about methods of generating traffic to your website for free then here are some great ideas.  Some of them might attract people who are looking to spend money whilst other techniques might just attract browsers.  At the end of the day, you might as well give it a go and see how you get on.

YouTube

We all know that YouTube is the ‘net’s most popular video sharing website with millions of people using it to watch music videos, funny videos and also “how to” videos.  There are loads of people who go straight to YouTube to find what they are looking for however there are also loads of people who find the site via the search engines.  For instance, if you do a search for Britney Spears on Google you will see that YouTube videos appear.

If you create a video and upload it to YouTube you can tap into the traffic from the site itself plus traffic that come in via the search engines.  What kind of video you create really depends on what your website is about.  If you own a florist in Delaware you could create a video about you and the flowers that you sell.  You could do a demonstration on how to arrange flowers and the likes.  Just make sure you give the video a title you think people would search for.  For example “Florist in Wilmington, Delaware.”

Google’s Local Business Results

If you have a “brick and mortar” business such as a florist or accountancy firm then you can create an account with Google and register your details here:  www.google.com/local/add .  Before the internet really took hold on society people just looked up their local copy or the yellow pages or their local news paper to find companies.  However these days more and more people are using the internet search engines.  So sign up with Google’s Local Business Results to get free exposure to your business’ website.

StumbleUpon (SU)

This is a very popular social website where people submit web pages they like and other people can vote them up or down.  You can pay SU for traffic however you can also get it for free, especially if your website is very good and other people like it.  The more frequently people vote it up the more traffic you will get.  The problem is that the people who use SU have a short attention span and usually are not interested in buying anything.  However if you still want pursue this method of traffic generation you should submit webpages that are informative or entertaining.  Don’t just submit a product page with sales copy on it because people don’t find this of much interest to them.

Search Engine Optimzation (SEO)

If you want a constant stream of well-targeted visitors to your website learning SEO is a must.  A lot of people try to make out that SEO is very difficult.  However the people doing this are usually trying to sell SEO services so they want to make it sound as scary and complex as possible.  However it’s actually quite simple.  What it comes down to is including as many different keywords as you can within your website, especially the title of your website.  Although it’s quite simple, there is a lot to learn so you will need to do further research on this topic.

Google Trends

If you are just looking for as much traffic as you can and don’t care about whether they will buy anything, then you should look at google.com/trends/hottrends.  Basically it’s a list of the most searched for topics on the net.  Usually people are just wanting to know about celebrity gossip and politics.  However sometimes they also want to know more about new products that are being released.  If you write about these subjects you should start to get a lot of traffic, the problem is trying to make money from the traffic you get.

Conclusion

There are actually quite a lot of other techniques that you can use.  Some of them are legitimate whilst others aren’t.  There are methods coming out all the time whenever there is a new craze on the internet.  In the past people were going crazy over MySpace whereas now it’s more about Twitter and Facebook.  There’s loads of free info on the web so don’t waste your money by buying an ebook claiming to make you rich.  They’re just a waste of time and money.