Saving= Income-Expenses

This is all about living cheap and being frugal. I read that most personal money management gurus teach about being frugal and to cut down on our daily expenses.

Will it worth our effort? Well, if you have no idea on how to make more money, this is your only choice because by reducing your expenses, you’re increasing you net worth.

I have read 50 ways that we can do to reduce our daily expenses.

1. Get rid of our handphone.

2. Stop all periodical subscriptions like newspapers, magazine and etc.

3. Change our light bulb to energy efficient bulb.

4. If possible, buy generic prescriptions medicine.

5.  Always buy in bulk whenever we go to the supermarket to buy our household groceries.

6. Cancel your gym membership and start jogging for free at your community park.

7.Instead of spending RM7 per movie, go to your local library and start reading books. Some library have their FREE multimedia section where, as a member, you could watch movie for free.

8. Spend less on your annual vacation.

9. Try to stay at home  whenever possible.

10.  Create a budget and stick to it.

11. Cancel your astro subscription.

12. Instead of making a phone call to discuss things with your colleague, use email instead. The latest Google buzz can be used for this purpose.

13. Look at the price tag before you take out your wallet from your pocket. Compare the prices and you will save a lot.

14. Don’t go shopping for grocery without planning. Plan in advanced the menus for the weekend and head on to your local ‘kedai runcit’ or supermarket.

15. Avoid impulse buying by preparing a shopping list.

16. Go to the supermarket only once a week.

17. If you’re feeling hungry, don’t go to the restaurant. Head home and be your own cook.

18. Don’t throw away the leftover food, plan how you can use it. Be creative.

19. Most people will buy clothing before the season starts, when the price has been marked up and discounts tags  are shown. Instead, go and buy your clothings at the end of the season.

20. Do your shopping at discount stores.

21. Buy second hand items whenever possible.

22. Use public transportation whenever possible.

23. Exercise and develop good health habits. It will reduce medical cost.

24. Don’t smoke. Cigarettes are expensive to buy.

25. Don’t drink alcohol. You will be more sober and creative and will be able to think on how to make more money.=)

26. Instead of buy dvd on the latest video games, play board and card games. I especially likes to play the ’saidina’ board game whenever possible.

27. Stop paying for concert ticket, only attend if it’s free.

28. Learn to make your own household accesories.

29. Move to a  cheaper room/ house.

30. Cook and bring your own packed lunch to school or work.

31. Review your insurance coverage.Are you over insured?

32.Reduce trips outside the house.

33. Use 10% less than usual.

34. Stop shopping, even window shopping.

35. buy cheaper brands.

36. Lookout for discount coupon.

37. Only buy when offered a rebate.

38. Order plain water or ‘chinese tea’ whenever eating at the restaurant

39. Don’t keep more than Rm10 in your wallet.

40. Cut all your credit card except for the one that gives you the lowest limit.

41. Reduce your car maintenance cost by changing oil yourself.

42. Find a friend who can cut your hair for free (or cheaper), going to the hairstylist is expensive. This friend will be happy because you give them an opportunity to sharpen their skills. =)

43. Sell your car and buy a motorcycle.

44. Avoid silly bank fees.

45. Don’t buy a car.

46. Just rent a small room to stay.

47. Share a room and split the rent.

48. Stay with your parents.

49. Start blogging and I assure you that it will cut all your other entertainment.

50. Ask for discount every time before you pay for something.

Wow, there goes the fun. This involve a lot of hard work.  But now use that small little POWERFUL stuff inside your head. Ask your self, do you really want to go through this torture?

Being frugal doesn’t mean that you should be cheap. You can live frugally, below your mean. But you don’t have to live cheaply. That’s stingy!

It is always limited in how much you can save. No matter how hard you try, you cannot cut down on your current expenses completely. Most people will be happy if they can cut 10% of their expenses. 30% is already too much for most people to compromise their lifestyle. The thing is that by concentrating  on reducing expenses what you will get is hardwork, no fun and only will be able to save as much as the amount you didn’t spend.

In my next article, I will write about how we can increase our income so stay tuned!

]]> http://malaysianhomebusiness.com/blog/how-to-reduce-expenses.html/feed 0 http://malaysianhomebusiness.com/blog/cpa-network-acceptance.html http://malaysianhomebusiness.com/blog/cpa-network-acceptance.html#comments Tue, 06 Apr 2010 23:15:55 +0000 cornelius http://malaysianhomebusiness.com/blog/?p=171 IMPORTANT: READ THE WHOLE POST THOROUGHLY BEFORE TAKING ANY ACTION

100 Keyboard shortcuts (Windows)

***Microsoft windows keyboard shortcuts. You might know most of these shortcuts, but probably not all of them***

• CTRL+C (Copy)
• CTRL+X (Cut)
• CTRL+V (Paste)
• CTRL+Z (Undo)
• DELETE (Delete)
• SHIFT+DELETE (Delete the selected item permanently without placing the item in the Recycle Bin)
• CTRL while dragging an item (Copy the selected item)
• CTRL+SHIFT while dragging an item (Create a shortcut to the selected item)
• F2 key (Rename the selected item)
• CTRL+RIGHT ARROW (Move the insertion point to the beginning of the next word)
• CTRL+LEFT ARROW (Move the insertion point to the beginning of the previous word)
• CTRL+DOWN ARROW (Move the insertion point to the beginning of the next paragraph)
• CTRL+UP ARROW (Move the insertion point to the beginning of the previous paragraph)
• CTRL+SHIFT with any of the arrow keys (Highlight a block of text)
• SHIFT with any of the arrow keys (Select more than one item in a window or on the desktop, or select text in a document)
• CTRL+A (Select all)
• F3 key (Search for a file or a folder)
• ALT+ENTER (View the properties for the selected item)
• ALT+F4 (Close the active item, or quit the active program)
• ALT+ENTER (Display the properties of the selected object)
• ALT+SPACEBAR (Open the shortcut menu for the active window)
• CTRL+F4 (Close the active document in programs that enable you to have multiple documents open simultaneously)
• ALT+TAB (Switch between the open items)
• ALT+ESC (Cycle through items in the order that they had been opened)
• F6 key (Cycle through the screen elements in a window or on the desktop)
• F4 key (Display the Address bar list in My Computer or Windows Explorer)
• SHIFT+F10 (Display the shortcut menu for the selected item)
• ALT+SPACEBAR (Display the System menu for the active window)
• CTRL+ESC (Display the Start menu)
• ALT+Underlined letter in a menu name (Display the corresponding menu)
• Underlined letter in a command name on an open menu (Perform the corresponding command)
• F10 key (Activate the menu bar in the active program)
• RIGHT ARROW (Open the next menu to the right, or open a submenu)
• LEFT ARROW (Open the next menu to the left, or close a submenu)
• F5 key (Update the active window)
• BACKSPACE (View the folder one level up in My Computer or Windows Explorer)
• ESC (Cancel the current task)
• SHIFT when you insert a CD-ROM into the CD-ROM drive (Prevent the CD-ROM from automatically playing)

Dialog Box Keyboard Shortcuts
• CTRL+TAB (Move forward through the tabs)
• CTRL+SHIFT+TAB (Move backward through the tabs)
• TAB (Move forward through the options)
• SHIFT+TAB (Move backward through the options)
• ALT+Underlined letter (Perform the corresponding command or select the corresponding option)
• ENTER (Perform the command for the active option or button)
• SPACEBAR (Select or clear the check box if the active option is a check box)
• Arrow keys (Select a button if the active option is a group of option buttons)
• F1 key (Display Help)
• F4 key (Display the items in the active list)
• BACKSPACE (Open a folder one level up if a folder is selected in the Save As or Open dialog box)

Microsoft Natural Keyboard Shortcuts
• Windows Logo (Display or hide the Start menu)
• Windows Logo+BREAK (Display the System Properties dialog box)
• Windows Logo+D (Display the desktop)
• Windows Logo+M (Minimize all of the windows)
• Windows Logo+SHIFT+M (Restore the minimized windows)
• Windows Logo+E (Open My Computer)
• Windows Logo+F (Search for a file or a folder)
• CTRL+Windows Logo+F (Search for computers)
• Windows Logo+F1 (Display Windows Help)
• Windows Logo+ L (Lock the keyboard)
• Windows Logo+R (Open the Run dialog box)
• Windows Logo+U (Open Utility Manager)

Accessibility Keyboard Shortcuts
• Right SHIFT for eight seconds (Switch FilterKeys either on or off)
• Left ALT+left SHIFT+PRINT SCREEN (Switch High Contrast either on or off)
• Left ALT+left SHIFT+NUM LOCK (Switch the MouseKeys either on or off)
• SHIFT five times (Switch the StickyKeys either on or off)
• NUM LOCK for five seconds (Switch the ToggleKeys either on or off)
• Windows Logo +U (Open Utility Manager)

Windows Explorer Keyboard Shortcuts
• END (Display the bottom of the active window)
• HOME (Display the top of the active window)
• NUM LOCK+Asterisk sign (*) (Display all of the subfolders that are under the selected folder)
• NUM LOCK+Plus sign (+) (Display the contents of the selected folder)
• NUM LOCK+Minus sign (-) (Collapse the selected folder)
• LEFT ARROW (Collapse the current selection if it is expanded, or select the parent folder)
• RIGHT ARROW (Display the current selection if it is collapsed, or select the first subfolder)

Shortcut Keys for Character Map
• After you double-click a character on the grid of characters, you can move through the grid by using the keyboard shortcuts:
• RIGHT ARROW (Move to the right or to the beginning of the next line)
• LEFT ARROW (Move to the left or to the end of the previous line)
• UP ARROW (Move up one row)
• DOWN ARROW (Move down one row)
• PAGE UP (Move up one screen at a time)
• PAGE DOWN (Move down one screen at a time)
• HOME (Move to the beginning of the line)
• END (Move to the end of the line)
• CTRL+HOME (Move to the first character)
• CTRL+END (Move to the last character)
• SPACEBAR (Switch between Enlarged and Nor mal mode when a character is selected)

Microsoft Management Console (MMC) Main Window Keyboard Shortcuts
• CTRL+O (Open a saved console)
• CTRL+N (Open a new console)
• CTRL+S (Save the open console)
• CTRL+M (Add or remove a console item)
• CTRL+W (Open a new window)
• F5 key (Update the content of all console windows)
• ALT+SPACEBAR (Display the MMC window menu)
• ALT+F4 (Close the console)
• ALT+A (Display the Action menu)
• ALT+V (Display the View menu)
• ALT+F (Display the File menu)
• ALT+O (Display the Favorites menu)

MMC Console Window Keyboard Shortcuts
• CTRL+P (Print the current page or active pane)
• ALT+Minus sign (-) (Display the window menu for the active console window)
• SHIFT+F10 (Display the Action shortcut menu for the selected item)
• F1 key (Open the Help topic, if any, for the selected item)
• F5 key (Update the content of all console windows)
• CTRL+F10 (Maximize the active console window)
• CTRL+F5 (Restore the active console window)
• ALT+ENTER (Display the Properties dialog box, if any, for the selected item)
• F2 key (Rename the selected item)
• CTRL+F4 (Close the active console window. When a console has only one console window, this shortcut closes the console)

Remote Desktop Connection Navigation
• CTRL+ALT+END (Open the m*cro$oft Windows NT Security dialog box)
• ALT+PAGE UP (Switch between programs from left to right)
• ALT+PAGE DOWN (Switch between programs from right to left)
• ALT+INSERT (Cycle through the programs in most recently used order)
• ALT+HOME (Display the Start menu)
• CTRL+ALT+BREAK (Switch the client computer between a window and a full screen)
• ALT+DELETE (Display the Windows menu)
• CTRL+ALT+Minus sign (-) (Place a snapshot of the active window in the client on the Terminal server clipboard and provide the same functionality as

pressing PRINT SCREEN on a local computer.)
• CTRL+ALT+Plus sign (+) (Place a snapshot of the entire client window area on the Terminal server clipboard and provide the same functionality as pressing ALT+PRINT SCREEN on a local computer.)

Internet Explorer navigation
• CTRL+B (Open the Organize Favorites dialog box)
• CTRL+E (Open the Search bar)
• CTRL+F (Start the Find utility)
• CTRL+H (Open the History bar)
• CTRL+I (Open the Favorites bar)
• CTRL+L (Open the Open dialog box)
• CTRL+N (Start another instance of the browser with the same Web address)
• CTRL+O (Open the Open dialog box, the same as CTRL+L)
• CTRL+P (Open the Print dialog box)
• CTRL+R (Update the current Web page)
• CTRL+W (Close the current window)

At first I thought that I wouldn’t enjoy this movie is not as good as ‘clash of the titans’ , ‘alice in the wonderlands‘ (Hot Alice in Wonderland Graphics) but I was wrong, I ended up writing about it on my home business blog.

It was worth the ticket price.

The ‘How to train your dragon’ movie turns out to be quite good especially the flying scenes in 3D. My girlfriend and the other really liked it.

Maybe you are also thinking about going to watch the movie this coming few days. Go ahead and enjoy the movie because you will learn something from watching ‘How To Train Your Dragon.”

Well, don’t expect to see too many violence or fire-spitting  dragon in this movie but in case you are, DreamWorks’  latest 3D creation will teach you a few lessons that we can apply in our home business.

What we can learn from watching this movie?

Protect Your Underbelly

Most dragons are able to do massive amounts of destruction,strength and speed and are classified by the vikings as ‘kill on sight’. All of these dragons have their own weakspot /blind spot. At the though the vast majority of dragons are capable of massive amounts of destruction, that’s not to say they don’t have any weaknesses.

In our home business, we might think that we have the fund, the team, and the expertise to run the company how ever it is important that we don’t think too highly of our business. We need to identify any weaknesses that could be exploited by our business opponent.

Don’t Assume, because it will make an ‘ass’ out of us

Most people in the viking community are terrified at the  sight of  the dragon’s ferocious look. I learned that we shouldn’t judge a book by its cover-or in this movie, a dragon by its scales.  ’Toothless’ the dragon trained by hiccup was certainly looks terrifying but treated with respect and appreciation, ‘toothless’ eventually became an invaluable ally.

Establish Relationship/A Friendship

As a trainer, it’s important to know your limitations against a dragon — for instance, leaping at a dragon while clutching a battle axe in your hand is most likely going to lead to you being swallowed whole. For ‘toothless’ to trust ‘hiccup’, hiccup needed to show the dragon that he’s not there as an enemy or as dragon slayer, but as ‘one of them’ and that he don’t mean any harm.

In our business, many times we are need be diplomatic since ‘violence’ isn’t going to get us anywhere. By solidifying a friendship with your competiton,you’ll find yourself not only with a partner in business, but who knows that you might be with a true friend.

The following will build a successful site in 1 years time via Google alone. It can be done faster if you are a real go getter, or everyones favorite a self starter.

A) Prep work and begin building content. Long before the domain name is settled on, start putting together notes to build at least a 100 page site. That’s just for openers. That’s 100 pages of real content, as opposed to link pages, resource pages, about/copyright/ tos…etc eg: fluff pages.

B) Domain name: Easily brandable. You want “google.com” and not “mykeyword.com” . Keyword domains are out – branding and name recognition are in – big time in. The value of keywords in a domain name have never been less to se’s. Learn the lesson of “goto.com” becomes “Overture.com” and why they did it. It’s one of the most powerful gut check calls I’ve ever seen on the internet. That took serious resolve and nerve to blow away several years of branding. (that is a whole ‘nother article, but learn the lesson as it applies to all of us).

C) Site Design: The simpler the better. Rule of thumb: text content should out weight the html content. The pages should validate and be usable in everything from Lynx to leading edge browsers. eg: keep it close to html 3.2 if you can. Spiders are not to the point they really like eating html 4.0 and the mess that it can bring. Stay away from heavy: flash, dom, java, java script.

Go external with scripting languages if you must have them – there is little reason to have them that I can see – they will rarely help a site and stand to hurt it greatly due to many factors most people don’t appreciate (search engines distaste for JavaScript is just one of them).

Arrange the site in a logical manner with directory names hitting the top keywords you wish to hit. You can also go the other route and just throw everything in root (this is rather controversial, but it’s been producing good long term results across many engines). Don’t clutter and don’t spam your site with frivolous links like “best viewed” or other counter like junk. Keep it clean and professional to the best of your ability.

Learn the lesson of Google itself – simple is retro cool – simple is what surfers want. Speed isn’t everything, it’s almost the only thing. Your site should respond almost instantly to a request. If you get into even 3-4 seconds delay until “something happens” in the browser, you are in long term trouble. That 3-4 seconds response time may vary for site destined to live in other countries than your native one. The site should respond locally within 3-4 seconds (max) to any request. Longer than that, and you’ll lose 10% of your audience for every second. That 10% could be the difference between success and not.

The pages:

D) Page Size: The smaller the better. Keep it under 15k if you can. The smaller the better. Keep it under 12k if you can. The smaller the better. Keep it under 10k if you can – I trust you are getting the idea here. Over 5k and under 10k. Ya – that bites – it’s tough to do, but it works. It works for search engines, and it works for surfers. Remember, 80% of your surfers will be at 56k or even less.

E) Content: Build one page of content and put online per day at 200-500 words. If you aren’t sure what you need for content, start with the Overture keyword suggester and find the core set of keywords for your topic area. Those are your subject starters.

F) Density, position, yada… Simple old fashioned Search Engine Optimization from the ground up. Use the keyword once in title, once in description tag, once in a heading, once in the url, once in bold, once in italic, once high on the page, and hit the density between 5 and 20% (don’t fret about it). Use good sentences and speel check it Spell checking is becoming important as se’s are moving to auto correction during searches. There is no longer a reason to look like you can’t spell (unless you really are phonetically challenged).

G)Outbound Links: From every page, link to one or two high ranking sites under that particular keyword. Use your keyword in the link text (this is ultra important for the future).

H)Insite Cross links. (cross links in this context are links WITHIN the same site) Link to on topic quality content across your site. If a page is about food, then make sure it links it to the apples and veggies page. Specifically with Google, on topic cross linking is very important for sharing your Google Page Ranking value across your site. You do NOT want an “all star” page that out performs the rest of your site. You want 50 pages that produce 1 referral each a day and do NOT want 1 page that produces 50 referrals a day. If you do find one page that drastically out produces the rest of the site with Google, you need to off load some of that Google Page Ranking value to other pages by cross linking heavily. It’s the old share the wealth thing.

I) Put it Online. Don’t go with virtual hosting – go with a stand alone ip. Make sure the site is “crawlable” by a spider. All pages should be linked to more than one other page on your site, and not more than 2 levels deep from root. Link the topic vertically as much as possible back to root. A menu that is present on every page should link to your sites main “topic index” pages (the doorways and logical navigation system down into real content). Don’t put it online before you have a quality site to put online. It’s worse to put a “nothing” site online, than no site at all. You want it flushed out from the start. Go for a listing in the ODP. If you have the budget, then submit to Looksmart and Yahoo. If you don’t have the budget, then try for a freebie on Yahoo (don’t hold your breath).

J) Submit. Submit the root to: Google, Fast, Altavista, WiseNut, (write Teoma), DirectHit, and Hotbot. Now comes the hard part – forget about submissions for the next six months. That’s right – submit and forget.

K) Logging and Tracking: Get a quality logger/tracker that can do justice to inbound referrals based on log files (don’t use a lame graphic counter – you need the real deal). If your host doesn’t support referrers, then back up and get a new host. You can’t run a modern site without full referrals available 24×7×365 in real time.

L) Spiderlings: Watch for spiders from se’s. Make sure those that are crawling the full site, can do so easily. If not, double check your linking system (use standard hrefs) to make sure the spider found it’s way throughout the site. Don’t fret if it takes two spiderings to get your whole site done by Google or Fast. Other se’s are pot luck and doubtful that you will be added at all if not within 6 months.

M) Topic directories. Almost every keyword sector has an authority hub on it’s topic. Go submit within the guidelines.

N)Links. Look around your keyword sector in Googles version of the ODP. (this is best done AFTER getting an odp listing – or two). Find sites that have links pages or freely exchange links. Simply request a swap. Put a page of on topic, in context links up your self as a collection spot. Don’t freak if you can’t get people to swap links – move on. Try to swap links with one fresh site a day. A simple personal email is enough. Stay low key about it and don’t worry if site Z won’t link with you – they will – eventually they will.

O) Content. One page of quality content per day. Timely, topical articles are always the best. Try to stay away from to much “bloggin” type personal stuff and look more for “article” topics that a general audience will like. Hone your writing skills and read up on the right style of “web speak” that tends to work with the fast and furious web crowd. Lots of text breaks – short sentences – lots of dashes – something that reads quickly. Most web users don’t actually read, they scan. This is why it is so important to keep low key pages today. People see a huge overblown page by random, and a portion of them will hit the back button before trying to decipher it.

They’ve got better things to do that waste 15 seconds (a stretch) at understanding your whiz bang flash menu system. Because some big support site can run flashed out motorhead pages, that is no indication that you can. You don’t have the pull factor they do. Use headers, and bold standout text liberally on your pages as logical separators. I call them scanner stoppers where the eye will logically come to rest on the page.

P) Gimmicks. Stay far away from any “fades of the day” or anything that appears spammy, unethical, or tricky. Plant yourself firmly on the high ground in the middle of the road.

Q)Link backs. When YOU receive requests for links, check the site out before linking back with them. Check them through Google and their Google Page Ranking value. Look for directory listings. Don’t link back to junk just because they asked. Make sure it is a site similar to yours and on topic.

R) Rounding out the offerings: Use options such as Email-a-friend, forums, and mailing lists to round out your sites offerings. Hit the top forums in your market and read, read, read until your eyes hurt you read so much. Stay away from “affiliate fades” that insert content on to your site.

S) Beware of Flyer and Brochure Syndrome . If you have an ecom site or online version of bricks and mortar, be careful not to turn your site into a brochure. These don’t work at all. Think about what people want. They aren’t coming to your site to view “your content”, they are coming to your site looking for “their content”. Talk as little about your products and yourself as possible in articles (raise eyebrows…yes, I know).

T) Build one page of content per day. Head back to the Overture suggestion tool to get ideas for fresh pages.

U) Study those logs. After 30-60 days you will start to see a few referrals from places you’ve gotten listed. Look for the keywords people are using. See any bizarre combinations? Why are people using those to find your site? If there is something you have over looked, then build a page around that topic. Retro engineer your site to feed the search engine what it wants. If your site is about “oranges”, but your referrals are all about “orange citrus fruit”, then you can get busy building articles around “citrus” and “fruit” instead of the generic “oranges”. The search engines will tell you exactly what they want to be fed – listen closely, there is gold in referral logs, it’s just a matter of panning for it.

V)Timely Topics. Nothing breeds success like success. Stay abreast of developments in your keyword sector. If big site “Z” is coming out with product “A” at the end of the year, then build a page and have it ready in October so that search engines get it by December. eg: go look at all the Xbox and XP sites in Google right now – those are sites that were on the ball last summer.

W) Friends and Family Networking is critical to the success of a site. This is where all that time you spend in forums will pay off. pssst: Here’s the catch-22 about forums: lurking is almost useless. The value of a forum is in the interaction with your fellow colleagues and cohorts. You learn long term by the interaction – not by just reading. Networking will pay off in link backs, tips, email exchanges, and it will put you “in the loop” of your keyword sector.

X) Notes, Notes, Notes. If you build one page per day, you will find that brain storm like inspiration will hit you in the head at some magic point. Whether it is in the shower (dry off first), driving down the road (please pull over), or just parked at your desk, write it down! 10 minutes of work later, you will have forgotten all about that great idea you just had.

Write it down, and get detailed about what you are thinking. When the inspirational juices are no longer flowing, come back to those content ideas. It sounds simple, but it’s a life saver when the ideas stop coming.

Y)Submission check at six months. Walk back through your submissions and see if you got listed in all the search engines you submitted to after six months. If not, then resubmit and forget again. Try those freebie directories again too.

Z) Build one page of quality content per day. Starting to see a theme here? Google loves content, lots of quality content. Broad based over a wide range of keywords. At the end of a years time, you should have around 400 pages of content. That will get you good placement under a wide range of keywords, generate recip links, and overall position your site to stand on it’s own two feet. Do those 26 things, and I guarantee you that in ones years time you will call your site a success. It will be drawing between 500 and 2000 referrals a day from search engines.

If you build a good site with an average of 4 to 5 pages per user, you should be in the 10-15k page views per day range in one years time. What you do with that traffic is up to you, but that is more than enough to “do something” with.

The biggest hidden SECRET is taking ACTION… What you do today will change your tomorrow.

I hope this post is useful and help you start to make a living from the internet.

What Is PLR?

PLR is a short term for Private Label Rights. This is different from  Resale Rights and Master Resale Rights.

With Private Label Rights (PLR), you can:

a) Change the product anyway you want it.

b) Put your name as the author (You can do anything with it-minor changes or major rewriting. You can change the graphics, take out any part in the product)

As for Product with Resell Rights(RR), You can:

a) Resell the product and keep all the profit for yourself. Please bear in mind that basic resell rights doesn’t give you the right to change the product in any way or claim authorship. You can only sell it with tweaking it or changing it.

Master Resell Rights (MMR) allows you to:

a) Basic resell rights and sell the license to sell the product. This means that you can sell the product to someone and they can start selling the product themselves. Usually this is more attractive to people as they can resell the product and keep  the profits for themselves and especially if it’s a really great product.

It’s imperative that you read the resell license agreement for each product, as each may
be different. You can find them either in the front of the PDF if the product is an
ebook, or separately in the zip file. The terms are usually a text or PDF file with very
bossy titles like “READ ME”. They’re being bossy for a reason. You need to read those
files to understand what you can and can not do with the material.
It’s important to know the difference in product selling rights and I hope this clears up
any confusion you may have. The next time you think about purchasing a product,
take a look to at the terms. This might help you make the decision whether to buy or
not.

What Can I do With PLR?

Anyone who knows what to do with PLR understands the full power of PLR. It’s like
Play Doh. You can take them and shape them into just about anything you want them
to be. Use your imagination and turn your PLR into any money-making shapes you
want (remember to double check your PLR’s terms of service first).

There are so many ways to use PLR that I’m going to narrow it down a bit by
explaining the possible uses of PLR articles here. I think after reading this you’ll
agree that PLR can be easily used to make you some money!

Display spot for ads – The more PLR article pages you have on your website, the
more pages you have for displaying AdSense ads. Content is truly king plus the more
content you have the more AdSense ads you have, the more opportunity you have to
make money from them.

Audio – Give useful information gleaned from PLR and put it on an audio file. This
can establish you as an expert.

Podcasting – You can easily convert PLR articles into your very own Podcast. Submit
them to the podcasting directories and you have a fresh new source of traffic for your
website. This is such overlooked method for driving traffic to your website that I wrote
an ebook about it: Niche Podcasting. The beauty of using PLR for podcasting is that
you don’t even need to re-write the PLR material since it’s in the audio format.

Video – Video is hot right now and it’s not going anywhere. I do a lot of video
marketing and it works. It’s easy to use a PLR article and turn it into a 2-3 minute
video which you than upload to all the video sharing sites like YouTube, Viddler, Yahoo
Video, et al.

Autoresponders – Split PLR up into small segments and load them into your
autoresponder. If it takes seven contacts with a person before they become a
customer, this is a good way to make your seven contacts.

Blog posts – Use the PLR you’ve gathered to use for automatic blog posts. Set up the
blog to have the posts be posted on a regular schedule while you go on to set up your
next niche blog. Monetize these sites for passive income.

Coaching program – If you’re a coach, you need valuable information to feed your
clients. PLR can help you create your program of information.

eBooks – Turn several PLR articles on the same subject into an ebook. Increase the
value by adding more information of your own or expanding on points in the PLR
articles. You can also add screen shots, graphs, and pictures.

Promote affiliate products - Use PLR to promote a product that you’re an affiliate
for. Your PLR articles can point to the product and if people buy, you get the affiliate
commission. You can also put your affiliate link in the article if you’re using it for a
blog post.

Fire sale – Take a look at your PLR and see if you have several items on the same or
complimentary subjects. Edit them, change the title, get new graphics, and sell the
bundle at a great price.

Bonuses – Take PLR that you’ve made into an ebook and give the ebook away as a
bonus to another product you’re selling. This adds value to your sale.

Audio book – Just record yourself reading the ebook that you created from PLR
material out-loud and turn it into a CD. Sell the CD or use it as a bonus or upsell.

Direct sales newsletter – A newsletter highlighting good PLR information can only
help your direct sales business. No more tearing out your hair trying to come up with
something from scratch.

Offline flyers - Put intriguing and educating snippets of PLR in a flyer along with
your website address, email address, and business phone number. Slip some ads in
there as well. Interested parties will be in touch.

Interview – You have the answers in your PLR article, now write out the questions.
Have someone ask you the questions and you answer (based on the PLR article.) This
can be written or audio.

Online home study course – Break the PLR content down into actionable steps or
use it as an example. Some PLR articles lend themselves to this as they’re set up in a
“how to” format with steps.

Short reports – Create short reports from PLR and sell them for some quick bucks,
give them away for free to build your list. Brand your short report with your affiliate
links too.

Website – When it comes to SEO and websites, “content is king”. Keep adding
keyword-rich content (PLR articles) to your website to help get better positioning in
the search engines.

Squidoo lens – Lenses are created to point to your website, to sell your product, or to
sell affiliate products. The quickest way to populate these lenses is with PLR articles.
Website flipping – Get some header and footer graphics made for your website, add
PLR articles for content, set up AdSense, and then sell the website.

This is just the tip of the iceberg regarding what you can do with PLR articles. Take the
time to formulate a plan on how you want to use PLR, go through what you already
have or purchase some, and start making some money.

There are many internet markets in all sorts of niches who make excellent money using
PLR. Not only does it make you money, it saves you time. Whenever you come across
good PLR, consider the above ideas and put some of them into action.

Remember to at least lightly rewrite the PLR articles to make them uniquely yours.
You will see several of the methods described above in the video case study and later
on in this report.

When you press this you may think that nothing has happened, certainly nothing changes on the screen but in fact an image of your entire screen has been pasted to the “Clipboard” buffer in memory, now you need to create an image file with that so you need to open up your graphics package, this could be Paint, Photoshop, Paint Shop Pro or the free GIMP, for the purposes of this tutorial I will be using Paint Shop Pro but the same facilities exist in all the packages mentioned.

Once you have opened your graphics package go to the edit menu and click “Paste as new image”. (See fig 2 below) (fig 3 shows the fullscreen “Reduced in size for this tutorial”)

This will produce a full screen sized image of your entire screen, of course this is going to be too big and it may contain information that you don’t necessarily want the public to know such as if you have messenger open with conversations displayed for all to see, so the next step is to “Crop” the image to one that will concentrate on what it is you want to show. To “Crop” this down you need to select the “crop” tool (fig 4)

fig 4

Then you left click where you want the top left corner of your image to begin and keeping the left mouse button clicked drag down (top left to bottom right) a rectangulsr area on your full screen graphic that encapsulates the entire area you want to show (See fig 5)

fig 5

You will notice that the selected area rectange has “Resize” boxes, these you can pull (Left click your mouse on any of these and keep the left mouse button clicked dragging the box) to fit your cropping needs and when you are happy that the selected area is OK you simply double click anywhere inside the selected area for the “crop” to be made.

If you make a mistake whilst cropping simply go to the “Edit” menu and select “Undo crop” (Should be at the top of the Edit menu).

Happy tutorial writing 

1. Pattern Cooler

A FREE Seamless-Pattern-Background Design Resource

Add your own colors to contemporary and retro pattern designs, or browse from thousands of pre-colored patterns in the seamless pattern background library. All artworks on this site can be used freely for web and graphic design projects, blogs, Twitter, scrapbooking, MySpace profiles, mobile phone wallpapers and personal artwork. – If you use the PatternCooler resource for digital commercial projects, then please consider making an appropriate donation. For printed commercial products, please contact us outlining your proposed usage – many thX

2. Stripe Mania

Stripemania is a simple and free web 2.0 tool to create seamless diagonal stripes for your designs. You are able to choose the size of the stripes and the spacing between those. You can even add color gradient effect for all of your stripes.

Feel free to play with it. You are allowed to use the created image for whatever you would like to.

3. Dotted Background Generator

Dotter is a dotted background generator that lets you create dotted backgrounds for use on your website or design project. There site doesnt’ require users to register and creating backgrounds is really easy.

To start, simply go to the site, set the height, customize the color of dots and background and then click “OK”. When the background is ready download and save it on your computer.

You can also generate random backgrounds by clicking “Random” button.

4. Tartan Maker

The online Tartan Maker offers you to set three colors (by picking from color picker or direct entry of color hex code) of tartan cubes which create the base of image. Then you can control dimensions of these cubes by sliders to adjust look of tartan pattern. There’s also possibility to select an orientation of created tartan and set the yarn size. Changes must be confirmed by clicking on make it! writing which appears after any change right on the tartan pattern.

5. Striped Backgrounds

Striped Backgrounds makes free stripe backgrounds, beautify your iPhone or Computer with a new free striped background.

6. BgPatternsTiled backgrounds designer

Just small useful tool to create patterns. Experiment with pictures, colors, textures and transparency to get best result.

7. Stripe Generator 2.0

Tired of pixel-by-pixel painting, trying to create seamless stripes textures? Enjoy using stripe generator! Unleash your personal style, experiment and download the tile. You can use it directly in your css file or as pattern in Photoshop®!

8. ColourLovers

Share Your Color Ideas & Inspiration.

COLOURlovers is a creative community where people from around the world create
and share colors, palettes and patterns, discuss the latest trends and explore colorful
articles… All in the spirit of love.

9. Web 2.0 Badges

Web20Badges is a set of free and very cool web badges.

They are probably one of the most popular trend in Web 2.0 time. It’s most over-used trendy little design technique in our days, they immediately attract visitor’s attention. Web badges have various round or square corners and eye-catchy colours.

Badges can be used to display a big ‘Beta’ message on your website or emphasize a price or a promotion. No web 2.0 site is complete without one.

10. Web 2.0 Logo Creator

Free online logo creator. Make web 2.0 logos for free. Quick and easy logo maker

Want more? Check out the links below.

Bgmaker Ajax Loading Gif Generator Buttonator Brilliant Buttonmaker

Logo Creator Logo Maker Rounded Cornr RSS Button Maker Create a Graph

XML / SWF Charts Favicon.cc Color Mixers Web Form Factory

I hope that hellps. I know that for most home business owners, they are not ready to fork out some extra $$ to hire webdesigner. Like me, free tools like these can be very handy.

50+ Useful Online Generators for Designers Found this at some other place. 1. Pattern Cooler 2. Stripe Mania 3. Dotted Background Generator 4. Tartan Maker 5. Striped Backgrounds 6. BgPatternsTiled backgrounds designer 7. Stripe Generator 2.0 8. ColourLovers 9. Stripe Designer 10. Bgmaker 11. Ajax Loading Gif Generator 13. Web 2.0 Badges 14. Buttonator 15. Brilliant Buttonmaker 16. Web 2.0 Logo Creator 17. Logo Creator 18. Logo Maker 19. Rounded Cornr 20. RSS Button Maker 21. Create a Graph 22. XML / SWF Charts 23. Favicon.cc 24. 256pixels 25. Web Script Lab Favicon Generator 26. HTML-kit Favicon 27. Color Calculator 28. Color Combination Tester ????: Money Maker Discussion Forum|Make Money Online|Seo|Blackhat Seo|WhiteHat|GreyHat|Affiliate and Internet Marketing http://www.moneymakerdiscussion.com/forum/graphic-design/12584-50-useful-online-generators-designers.html#post72923 29. Color Mixers 30. Color Palette Generator Based on Images ????: Money Maker Discussion Forum|Make Money Online|Seo|Blackhat Seo|WhiteHat|GreyHat|Affiliate and Internet Marketing http://www.moneymakerdiscussion.com/forum/showthread.php?p=72923 31. Color Palette Creator 32. Flash Buttons 33. Flash Embedder 34. CSS Button and Text Field Generator 35. CSS Creator 36. CSS Optimizer 37. CSS Form Code Maker 38. CSS Menu Generator 39. Roudned Graphics for CSS Corners 40. CSS Tab Designer 41. CSS Scroll Bar Color Changer 42. CSS Font and Text Style Wizard 43. CSS Table Wizard 43. Email Icon Generator 44. Email Signature Generator 45. Email Riddler (Encrypter) 46. Web Form Factory 47. PHP FormMail 48. Website Contact Form Generator 49. Wufoo 50. Lorem Ipsum Generator 51. Lorem Ipsum Generator 3 52. Typetester – Compare Fonts for the Screen 53. Random Text Generator 54. Sign Generator 55. Strip Generator 56. Vinyl Record Generator 57. Barcode Label Generator 58. Error Message Generator OMG! I can’t believe that I wrote this post. It was such a pain in the a*ss to write this but hey its for MMD.

In this blog post, I will expose one of the ways to earn from Clickbank…FOR FREE. you don’t have to pay me. However, if you plan to buy some product after reading my post, at least you buy from my link and I can earn a cut of commission.Fair?

Please take note that this is not my own ideas but it’s valuable and it’s proven to work by so  many marketers. Enjoy reading.

Step 1.   Sign Up with Clickbank CLICK HERE. then Choose your Clickbank Product

I recommend staying away from these type of products (for newbie)

a. Internet Marketing – too much competition unless you put together a Google-friendly landing page and give away bonuses  that are relevant to the particular product (or use other advanced tactics like that). Actually, competition is where the money is but it’s very difficult without prior marketing knowledge.

b.Tattoo Design Products – extremely low conversion and “brutal” adwords competition -some marketer that promoted “tattoo chopper” using Google Adwords ost close to $200 in the first few hours after they started their campaign.

c. Gambling-Related Products - blackjack, texas holdem, betfair, sports betting – any adwords campaigns related to gambling is not allowed by Google Adwords staff.

d. Any products related to a well-known trademark, like “World of Warcraft” guides, is going to be stopped by adwords staff.

Read the Terms Of Service of Google Adwords. It mentioned that:

a. That the sales page (or the squeeze page – whatever’s the first page the visitor lands on, on the merchant’s site) doesn’t have a pop-up; it’s against adword’s TOS.

Your campaigns can be stopped because of this.

b. That the product has a low refund rate – to me, anything below 10%, because I don’t want to promote something that I know won’t help people and a good way you can judge that is by the refund rate, which can be calculated as follows

refund rate % =100*(1-(A/((B-B*0.075-1)*C/100)))
A=$/sale
B=Product Price
C=%/sale

c. Preferably, the merchant doesn’t have an opt-in form on the sales page, or have a squeeze page – because then the merchant could collect the visitor’s email, sell to them through email,(however, many merchants are honest and will credit you with your commissions even when they buy through an email sent by the merchant. I sometimes opt-in and check the first email they send me to make sure my affiliate link is in the email)

d. That the product has a high $/sale – allows me to bid higher and be more competitive in adwords.

e.That the merchant’s sales page doesn’t contain any “leakage”, i.e. outbound links from which your visitor could “escape” from the sales page (for example, links to other products for which you don’t get any commissions)

f. Preferably, the merchant doesn’t offer other methods of payment (if they order by mail or cheque, you won’t get the commission)

I usually pick around 30 products in one sitting, then move to the next step.

2)Collect Keywords for the Clickbank Products

First, browse the merchant’s sales page to collect relevant keywords, which we call “seed” keywords (e.g. for a dog training product, we may write down these keywords: “dog potty training”, “dog house training”, “stop dog peeing”, “stop dog scratching furniture”, etc. etc.

Then we go to the Google Adwords Tool, type in the seed keywords (make sure to include synonyms), and click “Add” for keywords we know are likely to convert (for each keyword we’d ask ourself “if I were a visitor and typed in this particular keyword phrase, what would I be looking for? Would I be interested in this product?”).

Be selective – better safe and sorry as we don’t want to waste adwords clicks on keywords that may not convert. If in doubt we don’t include a keyword that will probably waste us money, because we know there’s no shortage of products so I don’t have to squeeze every sale out of every product.

Because we made sure to include synonyms in our search, the keyword results will include related keywords that we didn’t think of before. We would “dig” into those related keywords as well by typing them into the search box to return even more keywords.

Think of words we can “tag onto” our seed keywords – for example, if the product is the solution for a kind of health condition, for example arthritis, we would do searches on

“arthritis treatment,

“arthritis cure”,

“arthritis remedies”,

“arthritis medications”,

“arthritis medicine”,

etc.

While we’re building our keyword list, we also make a note of words that are completely irrelevant to our product. For example, say we’re promoting a product that teaches women how to make their husbands love them again, and the google keyword tool results include “make my man love me again lyrics”, we would make note of the word “lyrics” so we could put that as a “negative keyword” for our adwords campaign later.

Finally, when we run out of keyword ideas to type into the tool, we export the whole keyword list into a text file.

3) Separate the Main Keyword List into Adgroups

We can just use an excel worksheet to organize our keywords into adgroups .

We separate them by common words.

Going back to the dog training example, We might have adgroups

“stop dog barking”,

“dog housebreaking”,

“dog potty training” etc.,

where all the keywords in each adgroup contain the common words [adgroup name].

For example, in the “dog housebreaking” adgroup we may have the keywords:
House break a dog
House breaking dog
Housebreaking dogs
How to housebreak a dog

4) Write the Adwords Ad for Each Adgroup

The following is what we do to consistently achieve high CTRs for my ads. Continuing with the dog training product, say for the adgroup “dog housebreaking”, we might write an ad that looks like this:

Housebreaking Your Dog?
Only 7 days to housebreak your dog!
Learn how to housebreak a dog.
Dog-Housebreaking.domain.com

For the headline and 2nd line description, we try to stuff as many common keywords (of the particular adgroup) as we could into them to catch the surfer’s eye.

As we know, the keywords that the surfer types into google’s search box will appear in bold in our adwords ad. W do the same thing to the display URL, which many people don’t bother to do.

We register a domain with a very short name – for example 1best1.com – and set up unlimited subdomains on that one domain. So in our example we would name our subdomain “dog-housebreaking” so that they would appear in bold to catch the surfer’s eye.

With all the bolded words in the headline, 2nd description line and display URL, many surfers will look at our ad. I read somewhere that most people will only read the headline and 1st description, so in the 1st description line we try to stress a benefit. We simply go through the headline and 1st paragraph of the merchant’s sales letter and find the most impressive point we can.

If all else fails, we can always just say “100% guaranteed or your money back!”, since clickbank has a refund guarantee anyway. Using this simple method we almost always able to start off with an above 1% CTR for our new ads, which gives us a good headstart and keeps our bids low.

As for regional targeting, we don’t really need to do much with that – but we probably should. We can target the English-Speaking Countries – Australia, Canada, New Zealand,United Kingdom, and United States.

Some products are only useful to US residents, e.g. setting up a business in the US, so it depends.

We can start our bids low to start with, usually at 1/100 of the sales commission or less. We also set our daily budget to $20/day to start.

Note: I find that it’s easier to first load my campaigns into the Adwords Editor (free download from google) and then upload them to my adwords account.

5)Write the Frame Redirect Script

We need to use frame redirect scripts, because landing pages take too much time to set up, and using our hoplink directly in our adwords ad would put us at risk of commission theft and would also decrease the chances of our ads getting served, due to the double-serving rule that adwords has (i.e. they won’t allow two clickbank affiliates to promote the same product using the same keyword).

Remember we used “Dog-Housebreaking.domain.com” as our display URL? Now we will prepare our frame redirect script, name it “index.php”, and put it into the “dog-housebreaking” subdomain folder. Our redirect script would look something like this:

<HEAD>
<script>window.status = ”;</script>
<title>Successfully Train Your Dog in 7 Days!</title>
</HEAD>

<FRAMESET border=0 rows=”100%,*” frameborder=”no” marginleft=0 margintop=0 marginright=0 marginbottom=0>
<frame src=”http://myclickbankID.merchantID.hop.clickbank.net” scrolling=auto frameborder=”no” border=0 noresize>
<frame topmargin=”0″ marginwidth=0 scrolling=no marginheight=0 frameborder=”no” border=0 noresize> <body></body>
</FRAMESET>
House break a dog
House breaking dog
Housebreaking dogs
How to housebreak a dog
House break a dog
House breaking dog
Housebreaking dogs
How to housebreak a dog

You can cut and paste the code above into a text file and edit the title, your hoplink, and the keywords for your purposes.

W include all the keywords from the main keyword list for the campaign, because we don’t want our adwords quality score to go up due to our redirect page being “irrelevant”. I don’t actually know whether adwords can read the actual contents on my redirect page or not, but I do it just to be safe.

This is no get rich quick method – a lot of work is involved.

The beauty of this method is that it’s simple to implement.

The flip side is that you’ll have to go through lots and lots of products to find a few that are profitable – that’s the case for me anyway.

If you’re an adwords expert you’ll most probably do better. Usually, I set up campaigns for 30 products at one time. Of each batch of 30 products I may end up keeping only 4-8 that turn out to be profitable, and stop the rest.

This is why tracking is so important – you need to know exactly which keywords in which adgroups are making you money so you’d know which adgroups / keywords / campaigns to keep and which to turn off.

As using frame redirects, as far as I know, is against adwords’ TOS, I suggest for you to eventually replace redirect scripts with actual landing pages.

When we already have about 40-50 campaigns that have proven themselves to be consistently profitable, we can now replace their frame redirects with landing pages / squeeze pages, still send the visitor to the merchant’s page after opt-in, then follow up with autoresponder messages to sell that product plus other backend products. If a niche does really well, we may even develop our own products to sell to our list and then put it on clickbank too, and also other affiliate networks.