Saturday 18 October 2008

Open FREE Internet banking accounts to receive payment.

Generally, the Internet trades in US dollars wherever you are in the world and payment through an online service is a more economic way of exchanging dollars to your local currency than paying in a Exchequer to your bank. Many affiliate programs require you to have an online account from one of the major services so it is prudent to join them all. You can also pay on line for services like web site hosting and purchases at auctions for instance. They are free to join

Get a free email address from inboxto use and keep your main address for private use and spam free(-re!). They have recently increased your space to 2Gb or 5Gb, depending on your country, but it still pays to keep your In box tidy. Good housekeeping!
Make a folder called, say, 'Keep', and put in there all emails with your sign-up details for programs you have joined. It will be easier for you to keep your
inbox clear and avoid deleting important information by mistake.

Ways to make money on the Internet

I'm talking small, but real money to start with - not the ' $1000+ in a week ' scams.
This site is simple to load quickly. No fancy graphics, just the honest facts.

Earn money from home - the credit card


Credit cards, or plastic money, are found the world over and can get
money into, and out of, the Internet.
Even if you already have a credit card it is useful to have a card dedicated to your use on the Internet.

Debit Cards.

Debit and credit cards look alike, but they’re two entirely different payment methods.
While a credit card is a "buy-now, pay-later" tool, a debit card draws funds from your bank account.

Since your purchase is automatically deducted from your bank account, make sure you have the money available now to cover what you buy .

Credit Cards.

Study your card agreement
Note the grace period, annual fees, cash advance fees, finance charges, and annual percentage rate (APR). If you intend to carry a balance on your account, look for a lower APR, even if it means paying a higher annual fee.

Use credit wisely
Keep track of your current purchases. Avoid large impulse purchases. Don’t use a cash advance to cover normal daily expenses. Remember the 20/10 rule: never borrow more than 20% of your annual net income; and never let your monthly debt payments become more than 10% of your monthly net income.

Know your limit
Exceeding your credit limit is considered a violation of your account agreement and may result in additional fees or penalties, or the freezing or cancellation of your account.

Pay off your balance within the grace period
For most cards, you can avoid finance charges by paying off your total balance within an established grace period. It’s like an interest-free loan for up to thirty days.

Make more than the minimum payment
If you can not pay off your total balance each month, then at least try to pay more than the minimum required.

Pay on time
Be sure to get your payment in before the due date to avoid a late fee and possible credit damage.

Keep in touch
If you change your name or address, notify your lending institution immediately. You don’t want to risk a late payment. Also contact your lender if you cannot make a payment on your account for any reason. They might be able to arrange special payment options that help you avoid credit problems.