By Jim Kuhnhenn, Associated Press Writer
WASHINGTON — Treasury SecretaryTimothy Geithner expects financial institutions to repay $25 billion of their government rescue loans in the coming year.
He also told the Senate Banking Committee Wednesday that a public-private partnership to help banks shed their bad assets will begin operating in the next six weeks.
The program would combine up to $100 billion in government money with private investments in hopes of building a purchasing pool of up to $1 trillion.
Bank lending has in part been hindered by the amount of real estate-related loans and securities on banks' balance sheets. Treasury has received applications from more than 100 potential fund managers to help run the program. Geithner says Treasury will inform applicants of their preliminary approval in the "next several weeks."
The program was announced March 23 and some lawmakers have questioned why the program is not yet up and running.
Showing posts with label money. Show all posts
Showing posts with label money. Show all posts
Wednesday, May 20, 2009
Monday, May 18, 2009
Geithner's gift to Wall Street
By William D. Cohan, contributor
Last Updated: May 18, 2009: 10:39 AM ET
Related
Geithner to rein in derivatives
The rich get richer on Wall Street
More from Fortune
The credit card company everybody hates
NEW YORK (Fortune) -- Imagine if you were not really in the market for a house but the government came along and said that it would finance 94% of a home's purchase price with a mortgage rate of less than 3%. Still not interested? Wait, Uncle Sam has some additional sweeteners: if you do the deal and buy the house for only 6% down, you also get the equivalent of rental income every month to the tune of at least an annualized yield of 10% of the purchase price.
But wait there's still more: if, say, after two years, you decide you don't want the house any longer, you can just walk away from it. No need to pay the balance of the mortgage (it won't affect your credit rating), and you can keep the rental income received to date.
That's essentially the deal that Treasury Secretary Timothy Geithner has offered qualified professional investors who participate in the so-called TALF (Term Asset-Backed Securities Loan Facility). Two months into the program as the first TALF- backed deals hit the market, you can see why the likes of hedge fund Fortress Investment Group are drooling over it. "I'm a big believer in the impact that TALF can and should have," Fortress CEO Wes Edens said on a May 6 investor call, adding that he expects that Fortress will be "a big participant" in the TALF program "three to six months from now."
0:00 /24:35Geithner opens up
The first few TALF deals -- one for Ford Credit (the financing arm of the automaker), another for American Honda Receivables Corp., a third for the student loan company Sallie Mae and a fourth for motorcycle icon Harley Davidson -- shed some light on our tax dollars at work.
"I've had accounts that dropped everything they were doing to take a look at this TALF financing," one Wall Street trader explained. "It was like nothing they had ever seen. It beats any financing that the private sector could ever come up with. I almost want to say it is irresponsible." For instance, Prudential Financial, Inc. (PRU, Fortune 500), the large insurer and investment manager, borrowed $786 million from the TALF as of March 31 and put up only $50 million to do so, some 6.4% of the deals.
In case you're not totally conversant with the alphabet soup of financial remedies emanating from the Obama Administration, here's a brief refresher: Geithner and the Federal Reserve announced the launch of the TALF in March. The TALF is a $200 billion (on its way to $1 trillion) non-recourse lending program to private investors as a way to encourage them to buy newly underwritten securities backed by auto loans, credit-card receivables and student loans, among other asset classes. (The TALF program is set to extend, in June, to the issue of new commercial real-estate mortgage-backed securities.)
These securitizations were once upon a time a key component of the so-called "shadow" financing system that helped raise trillions of dollars of capital worldwide. Of course, the securitization and sale of mortgage-backed securities was one of the leading causes of the current financial crisis as the people who took out the underlying mortgages started to default upon them in unexpected numbers. Still, Geithner has determined, correctly, that getting these securities circulating again is crucial to restoring the health of the credit markets. The Treasury designed the program, but it is the Federal Reserve that provides the government's share of the capital. "The increase in the TALF is expected to help stimulate both new issuances and the removal of assets from bank balance sheets," Credit Suisse wrote to its shareholders on May 8.
Investors interested in borrowing from the TALF program have to be approved by the Treasury and then, once approved, have to set up an account with a broker-dealer that is subject to a variety of the usual terms and conditions. The investor then must indicate a desire to buy, say, at least $10 million of one of the dozen or so deals, worth an aggregate of around $25 billion, which have come to market since the TALF program was set up in March. An early test for TALF was a May 5, $1.5 billion car-receivables securitization for American Honda Receivables Corp. and underwritten by JPMorgan Securities (JPM, Fortune 500) and BNP Paribas Securities. Investor demand for the deals so far is said by one trader to be "strong" and the deals are selling well. The real market test, though, of TALF will come when the first deals involving CMBS (Commercial Mortgage Backed Securities) start coming to market in the next few months.
The way the TALF works in practice is this: The amount of equity an investor has to put up, or the "haircut" as the TALF documents call it, depends upon the assets involved, the term of the loan or lease of the underlying asset (say, a car) and the credit quality of the underlying borrower. A loan to buy a three-year security backed by a group of credit-card receivables from high-quality borrowers would require an investor to put up 6% of the capital -- a 6% "haircut" -- and then can borrow the rest from the TALF through his brokerage account. To buy a two-year high-quality credit-card receivable security, a borrower would put up 5% of the face amount of the securities purchased. Auto receivables require as 12% equity investment for a three-year security. Small business loans require 5% down. Student loans require 10% down for a three-year deal.
An investor interested in a $10 million slice of three-year credit card receivable would put up 6% of the money -- $600,000 -- and borrow the balance of $9.4 million from the TALF at a rate of three-year LIBOR plus 100 basis points (Attention K-Mart shoppers, that's 2.85% at this moment.) Depending on all sorts of assumptions, the yields on these investments are said to be in the 11% to 15% range, especially attractive since the TALF loans are non-recourse to the borrowers -- you can just walk away and lose only your underlying equity investment and the collateral but you are not held responsible for the unpaid portion of the TALF loan itself.
In addition, the TALF loan is not marked-to-market so if the underlying collateral deteriorates in value, the investor is not required to put up more equity. What's more as the car payments or credit-card payments on the underlying security are made, the payments are distributed to the government and the investor on equal footing -- that means the investor starts getting paid back at the same time as the government even though the government is the senior secured creditor and even though an investor has put up only a small fraction of the original money. One private equity investor, who would not normally have looked at investing in such a deal but did, called this particular aspect of the TALF "shockingly good."
But who will the TALF deals be shockingly good for -- the players on the field or those of us in the bleachers? If what Geithner calls "our lending facility with the Fed" does its job and jumpstarts the credit markets then the extraordinary concessions the government has made to attract private capital may have been worth it.
William Cohan is the author of House of Cards: A Tale of Hubris and Wretched Excess on Wall Street, published this month by Doubleday Books, a division of Random House, Inc.
Last Updated: May 18, 2009: 10:39 AM ET
Related
Geithner to rein in derivatives
The rich get richer on Wall Street
More from Fortune
The credit card company everybody hates
NEW YORK (Fortune) -- Imagine if you were not really in the market for a house but the government came along and said that it would finance 94% of a home's purchase price with a mortgage rate of less than 3%. Still not interested? Wait, Uncle Sam has some additional sweeteners: if you do the deal and buy the house for only 6% down, you also get the equivalent of rental income every month to the tune of at least an annualized yield of 10% of the purchase price.
But wait there's still more: if, say, after two years, you decide you don't want the house any longer, you can just walk away from it. No need to pay the balance of the mortgage (it won't affect your credit rating), and you can keep the rental income received to date.
That's essentially the deal that Treasury Secretary Timothy Geithner has offered qualified professional investors who participate in the so-called TALF (Term Asset-Backed Securities Loan Facility). Two months into the program as the first TALF- backed deals hit the market, you can see why the likes of hedge fund Fortress Investment Group are drooling over it. "I'm a big believer in the impact that TALF can and should have," Fortress CEO Wes Edens said on a May 6 investor call, adding that he expects that Fortress will be "a big participant" in the TALF program "three to six months from now."
0:00 /24:35Geithner opens up
The first few TALF deals -- one for Ford Credit (the financing arm of the automaker), another for American Honda Receivables Corp., a third for the student loan company Sallie Mae and a fourth for motorcycle icon Harley Davidson -- shed some light on our tax dollars at work.
"I've had accounts that dropped everything they were doing to take a look at this TALF financing," one Wall Street trader explained. "It was like nothing they had ever seen. It beats any financing that the private sector could ever come up with. I almost want to say it is irresponsible." For instance, Prudential Financial, Inc. (PRU, Fortune 500), the large insurer and investment manager, borrowed $786 million from the TALF as of March 31 and put up only $50 million to do so, some 6.4% of the deals.
In case you're not totally conversant with the alphabet soup of financial remedies emanating from the Obama Administration, here's a brief refresher: Geithner and the Federal Reserve announced the launch of the TALF in March. The TALF is a $200 billion (on its way to $1 trillion) non-recourse lending program to private investors as a way to encourage them to buy newly underwritten securities backed by auto loans, credit-card receivables and student loans, among other asset classes. (The TALF program is set to extend, in June, to the issue of new commercial real-estate mortgage-backed securities.)
These securitizations were once upon a time a key component of the so-called "shadow" financing system that helped raise trillions of dollars of capital worldwide. Of course, the securitization and sale of mortgage-backed securities was one of the leading causes of the current financial crisis as the people who took out the underlying mortgages started to default upon them in unexpected numbers. Still, Geithner has determined, correctly, that getting these securities circulating again is crucial to restoring the health of the credit markets. The Treasury designed the program, but it is the Federal Reserve that provides the government's share of the capital. "The increase in the TALF is expected to help stimulate both new issuances and the removal of assets from bank balance sheets," Credit Suisse wrote to its shareholders on May 8.
Investors interested in borrowing from the TALF program have to be approved by the Treasury and then, once approved, have to set up an account with a broker-dealer that is subject to a variety of the usual terms and conditions. The investor then must indicate a desire to buy, say, at least $10 million of one of the dozen or so deals, worth an aggregate of around $25 billion, which have come to market since the TALF program was set up in March. An early test for TALF was a May 5, $1.5 billion car-receivables securitization for American Honda Receivables Corp. and underwritten by JPMorgan Securities (JPM, Fortune 500) and BNP Paribas Securities. Investor demand for the deals so far is said by one trader to be "strong" and the deals are selling well. The real market test, though, of TALF will come when the first deals involving CMBS (Commercial Mortgage Backed Securities) start coming to market in the next few months.
The way the TALF works in practice is this: The amount of equity an investor has to put up, or the "haircut" as the TALF documents call it, depends upon the assets involved, the term of the loan or lease of the underlying asset (say, a car) and the credit quality of the underlying borrower. A loan to buy a three-year security backed by a group of credit-card receivables from high-quality borrowers would require an investor to put up 6% of the capital -- a 6% "haircut" -- and then can borrow the rest from the TALF through his brokerage account. To buy a two-year high-quality credit-card receivable security, a borrower would put up 5% of the face amount of the securities purchased. Auto receivables require as 12% equity investment for a three-year security. Small business loans require 5% down. Student loans require 10% down for a three-year deal.
An investor interested in a $10 million slice of three-year credit card receivable would put up 6% of the money -- $600,000 -- and borrow the balance of $9.4 million from the TALF at a rate of three-year LIBOR plus 100 basis points (Attention K-Mart shoppers, that's 2.85% at this moment.) Depending on all sorts of assumptions, the yields on these investments are said to be in the 11% to 15% range, especially attractive since the TALF loans are non-recourse to the borrowers -- you can just walk away and lose only your underlying equity investment and the collateral but you are not held responsible for the unpaid portion of the TALF loan itself.
In addition, the TALF loan is not marked-to-market so if the underlying collateral deteriorates in value, the investor is not required to put up more equity. What's more as the car payments or credit-card payments on the underlying security are made, the payments are distributed to the government and the investor on equal footing -- that means the investor starts getting paid back at the same time as the government even though the government is the senior secured creditor and even though an investor has put up only a small fraction of the original money. One private equity investor, who would not normally have looked at investing in such a deal but did, called this particular aspect of the TALF "shockingly good."
But who will the TALF deals be shockingly good for -- the players on the field or those of us in the bleachers? If what Geithner calls "our lending facility with the Fed" does its job and jumpstarts the credit markets then the extraordinary concessions the government has made to attract private capital may have been worth it.
William Cohan is the author of House of Cards: A Tale of Hubris and Wretched Excess on Wall Street, published this month by Doubleday Books, a division of Random House, Inc.
Thursday, March 12, 2009
Grab Market Share Now With Your Website!
Now is the time to grab market share. When every penny counts, one important place you can really put your marketing dollars in and truly track results is with your website.
Here are five things to try to help increase the amount of traffic to your website and keep visitors coming back.
The first tip is to have proper page titles. This refers to how each page of your website is named. A proper title means that it contains key words and relevant information that describe the content of the page. The order of the words within the name is also an important factor. Make sure that the most relevant keyword appears first. Remember, the closer the title describes the page, the likelier it becomes to gain a better ranking in search engines.
Adding additional relevant keywords to your homepage is another thing to try. While your homepage may already have some relevant text, it needs to spell out your services in terms that people would use to search for you. Also keep in mind that if your text is in flash or graphics, search engines are not able to read it.
Speaking of content, another thing that is a must is keeping your content fresh. Keeping your content fresh plays a very big role in keeping visitors coming back. A content management system is a great tool that allows site owners to upload new content any time they want. Visitors will come back to your site again and again as long as it meets their viewing expectations and it provides them the information they are looking for.
Fourthly, improve the links that point to your site. Some search engines such as Google use the number of links pointing to a site as a measurement tool. You should not only check how many sites link to your site but also check how relevant the data is that links to you. You can find this information on alexa.com or by using Google.
Finally, start a blog and put relevant articles on it that contain important keywords. Link the blog back to your main website. Blogs are easy to use and a fun way to communicate real time information. A blog for your business can be implemented within 24 hours and can have a huge effect on your relationships and website traffic. It is a unique way to connect with existing clients and build trust with prospects.
Here are five things to try to help increase the amount of traffic to your website and keep visitors coming back.
The first tip is to have proper page titles. This refers to how each page of your website is named. A proper title means that it contains key words and relevant information that describe the content of the page. The order of the words within the name is also an important factor. Make sure that the most relevant keyword appears first. Remember, the closer the title describes the page, the likelier it becomes to gain a better ranking in search engines.
Adding additional relevant keywords to your homepage is another thing to try. While your homepage may already have some relevant text, it needs to spell out your services in terms that people would use to search for you. Also keep in mind that if your text is in flash or graphics, search engines are not able to read it.
Speaking of content, another thing that is a must is keeping your content fresh. Keeping your content fresh plays a very big role in keeping visitors coming back. A content management system is a great tool that allows site owners to upload new content any time they want. Visitors will come back to your site again and again as long as it meets their viewing expectations and it provides them the information they are looking for.
Fourthly, improve the links that point to your site. Some search engines such as Google use the number of links pointing to a site as a measurement tool. You should not only check how many sites link to your site but also check how relevant the data is that links to you. You can find this information on alexa.com or by using Google.
Finally, start a blog and put relevant articles on it that contain important keywords. Link the blog back to your main website. Blogs are easy to use and a fun way to communicate real time information. A blog for your business can be implemented within 24 hours and can have a huge effect on your relationships and website traffic. It is a unique way to connect with existing clients and build trust with prospects.
Sunday, September 14, 2008
CANSLIM Stock Trading System
Stock traders across the globe look for new trading strategies to profit from market. Trading strategies largely differ according to traders' profit goals, type of trading, risk-tolerance, account size and personal preferences. CANSLIM is one of these trading strategies, which is considered as highly successful for most traders. CANSLIM is most beneficial for long-term traders and investors.
CANSLIM is actually a stock screening strategy, developed William O'Neil. It is a growth stock investing strategy (strategy of investing in stocks of growing companies) which combines both fundamental analysis and technical analysis to screen stocks. CANSLIM trading system aims at buying good growth stocks before a major price rise.
CANSLIM is an acronym of various indicators/features to be considered when screening a stock for trading.
'C' Represents Current Earnings: For any stock to be qualified as a CANSLIM stock, it should have great increase in current earning per share; more than 18%.
'A' Represents Annual Earnings: CANSLIM stocks should have high increase in annual earning per share; more than 25% for; more than 25% for last three years.
'N' Represents New: There should be something new related to the stock. CANSLIM traders look for companies which are under new management, or introduced new product, or undertaken new project or of which stock have touched a new high.
'S' Represents Supply/Demand or Shares Outstanding: Good CANSLIM companies should have less shares outstanding; less than 25 million shares is good, less than 5 million is better. The less the number of outstanding shares the greater the chance of upward price movement for every good news.
'L' Represents Leader: Trading stocks of leading companies (leaders of an industry or market) is better than trading stocks of followers; and every market should have at least one leader.
'I' represents Institutional Sponsorship: There should be more than 3 institutional traders or mutual funds interested in stock you are choosing. The greater the number of institutional sponsors, the larger their size are and the better their past performances, the better the stock.
'M' represents the market: Market timing is very important. Traders should use various technical analysis tools to predict and confirm trends, retracements and corrections. Buy when all major markets are going up.
CANSLIM stock trading system has proved more effective than most other long-term trading strategies. It considers various aspects of company, market and economy to make most accurate trading decisions at right time. But success of CANSLIM trading strategy require vastly on traders knowledge, his access to market data and strict following of rules.
NobleTrading stock trading and investing blog is a daily updated resource for novice and expert stock traders. Get informed about different markets, trading strategies, charting techniques, indicators and portfolio management. Get more info on CANSLIM stock trading system
CANSLIM is actually a stock screening strategy, developed William O'Neil. It is a growth stock investing strategy (strategy of investing in stocks of growing companies) which combines both fundamental analysis and technical analysis to screen stocks. CANSLIM trading system aims at buying good growth stocks before a major price rise.
CANSLIM is an acronym of various indicators/features to be considered when screening a stock for trading.
'C' Represents Current Earnings: For any stock to be qualified as a CANSLIM stock, it should have great increase in current earning per share; more than 18%.
'A' Represents Annual Earnings: CANSLIM stocks should have high increase in annual earning per share; more than 25% for; more than 25% for last three years.
'N' Represents New: There should be something new related to the stock. CANSLIM traders look for companies which are under new management, or introduced new product, or undertaken new project or of which stock have touched a new high.
'S' Represents Supply/Demand or Shares Outstanding: Good CANSLIM companies should have less shares outstanding; less than 25 million shares is good, less than 5 million is better. The less the number of outstanding shares the greater the chance of upward price movement for every good news.
'L' Represents Leader: Trading stocks of leading companies (leaders of an industry or market) is better than trading stocks of followers; and every market should have at least one leader.
'I' represents Institutional Sponsorship: There should be more than 3 institutional traders or mutual funds interested in stock you are choosing. The greater the number of institutional sponsors, the larger their size are and the better their past performances, the better the stock.
'M' represents the market: Market timing is very important. Traders should use various technical analysis tools to predict and confirm trends, retracements and corrections. Buy when all major markets are going up.
CANSLIM stock trading system has proved more effective than most other long-term trading strategies. It considers various aspects of company, market and economy to make most accurate trading decisions at right time. But success of CANSLIM trading strategy require vastly on traders knowledge, his access to market data and strict following of rules.
NobleTrading stock trading and investing blog is a daily updated resource for novice and expert stock traders. Get informed about different markets, trading strategies, charting techniques, indicators and portfolio management. Get more info on CANSLIM stock trading system
Friday, September 12, 2008
Making Money Online
There are countless e-books, programs and systems for making money online. More are being released every day. There are money making programs that involve affiliate marketing, data entry, incentivized freebie websites, foreign exchange, real estate, stock market, e-bay and lots more. Too many to list here. Many of these money making systems are simply e-books and others are complete money making programs. All are geared at teaching you how to make money online. It's been reported that 50% of new businesses in America are online businesses. There is a lot of money to be made online. But, and here's the kicker, it will probably cost you more money than you can spare trying to learn how to make money online. Most of these programs and systems that teach how to make money online flat don't work as advertised. Especially if you chose the wrong products. Even if you are diligent and do your home work the fact is that 98% of people that try to learn how fail. Between the scams and scammers as well as the Internet gurus. There are a host of people out there that know you will fail and just don't care. As long as they get some of your money they'll promise you anything to get you to buy their product.
As I said, even if you do your home work. There is still a chance you'll get involved with a program that doesn't work. That said, it is still very important that you do your home work. Research anything before you buy. Find out from others what has worked and what has not worked for them. That is not a guarantee that a program of learning to make money online will work for you. But it will help you avoid that scams. Which are products strictly aimed at getting your money and don't teach you anything. There are real programs that teach you how to make money online. A good way to distinguish the real programs from the scams is by looking for what others are saying about the product. Another good way to tell a real program is if there is contact information available before you buy. Any worthwhile program of teaching how to make money online will have a way to contact someone that can answer question about the program before you buy it. A name, phone number and address of a real person is a good sign that it is a legitimate offer and something that can work.
I've learned all this from experience. Over the last couple of years. I've tried a lot of ways to learn how to make money online. I was in that 98% failure bracket but I didn't give up and you shouldn't either. There are programs that will work for some people and not for others. Nothing will work for everyone. More will not work than will work. If you really want to learn how to make money or even if you already know how but can't seem to find the right program. You can learn a little something from my mistakes and failures. Find an actual business that will make money online. One with training, support and contact information. One that you can not find any negative reviews on and is affordable to join. A legitimate online business will have no commissions to split, no passing up sales and no down line to build. To make money you have got to sell something. So you need an online business with multiple ways to make money online and does not have up sales or recurring costs once you join.
As I said, even if you do your home work. There is still a chance you'll get involved with a program that doesn't work. That said, it is still very important that you do your home work. Research anything before you buy. Find out from others what has worked and what has not worked for them. That is not a guarantee that a program of learning to make money online will work for you. But it will help you avoid that scams. Which are products strictly aimed at getting your money and don't teach you anything. There are real programs that teach you how to make money online. A good way to distinguish the real programs from the scams is by looking for what others are saying about the product. Another good way to tell a real program is if there is contact information available before you buy. Any worthwhile program of teaching how to make money online will have a way to contact someone that can answer question about the program before you buy it. A name, phone number and address of a real person is a good sign that it is a legitimate offer and something that can work.
I've learned all this from experience. Over the last couple of years. I've tried a lot of ways to learn how to make money online. I was in that 98% failure bracket but I didn't give up and you shouldn't either. There are programs that will work for some people and not for others. Nothing will work for everyone. More will not work than will work. If you really want to learn how to make money or even if you already know how but can't seem to find the right program. You can learn a little something from my mistakes and failures. Find an actual business that will make money online. One with training, support and contact information. One that you can not find any negative reviews on and is affordable to join. A legitimate online business will have no commissions to split, no passing up sales and no down line to build. To make money you have got to sell something. So you need an online business with multiple ways to make money online and does not have up sales or recurring costs once you join.
Friday, August 29, 2008
Earn money
The internet is a world of unlimited prosperity and money making opportunities. If you have looked around on the internet for ways to earn or make money online I am sure you have come across your fair share of ideas. While some of these ideas seem viable I'm sure their are many others that you seemingly dismissed as scams. Well here I want to present to you five ways that you can earn or make money online.
1. Sell products on eBay. eBay is the worlds largest marketplace with millions of users shopping every month. So how can you capitalize on this? Find a niche that you are comfortable with and research product and selling prices to see if you will be able to make a solid income. When you find a profitable niche list your item starting with a low bid. You will also need to feature your item as this will bring tons more traffic and sales.
2. Make money as an affiliate marketer. Affiliate marketing involves selling other people's stuff and getting a commission off of every sell. You can go to places such as clickbank and cj.com to find items to sell that pay excellent commissions. Advertise your products through article marketing and Google AdWords for fastest results.
3. Become a free lance writer. If you are a good writer then there is money to be made on the internet. You can easily earn or make money online by writing articles or press releases for other people. Their are people who make a very good living online using free lance writing.
4. Create an information product to sell. These products are relatively inexpensive to make and they can give you an incredible advantage in online marketing. creating your own product gives you instant credibility and show people that you are serious about your business.
5. You can earn or make money online by adding special HTML code to your website. This is a technique that is not well known but has been making internet marketing experts very wealthy over the last few years. It just takes basic knowledge of HTML and is very easy to do.
These are five excellent techniques you can use to earn or make money online. While online marketing takes work you can succeed if you possess the drive and determination to do so.
Do you want to discover how to make $126,433 online in the next 12 months?
1. Sell products on eBay. eBay is the worlds largest marketplace with millions of users shopping every month. So how can you capitalize on this? Find a niche that you are comfortable with and research product and selling prices to see if you will be able to make a solid income. When you find a profitable niche list your item starting with a low bid. You will also need to feature your item as this will bring tons more traffic and sales.
2. Make money as an affiliate marketer. Affiliate marketing involves selling other people's stuff and getting a commission off of every sell. You can go to places such as clickbank and cj.com to find items to sell that pay excellent commissions. Advertise your products through article marketing and Google AdWords for fastest results.
3. Become a free lance writer. If you are a good writer then there is money to be made on the internet. You can easily earn or make money online by writing articles or press releases for other people. Their are people who make a very good living online using free lance writing.
4. Create an information product to sell. These products are relatively inexpensive to make and they can give you an incredible advantage in online marketing. creating your own product gives you instant credibility and show people that you are serious about your business.
5. You can earn or make money online by adding special HTML code to your website. This is a technique that is not well known but has been making internet marketing experts very wealthy over the last few years. It just takes basic knowledge of HTML and is very easy to do.
These are five excellent techniques you can use to earn or make money online. While online marketing takes work you can succeed if you possess the drive and determination to do so.
Do you want to discover how to make $126,433 online in the next 12 months?
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