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Online Money-making Products -- Worth It Or Worthless?
Ever considered buying one of those money-making products that claim you can earn hundreds per day online, with only a few hours work? So did I, and after reading one long sales letter after another, I finally broke down and purchased a few. Here's what I learned about making money online and what it really costs to get those fantastic profits you hear so much about.

Getting Started... First, Choose Your Product

I bought a popular package and paid $49.95, which is about average. For my money, I got a lot of sound ideas for generating Internet cash; almost too many. Do yourself a favor and take notes as you wade through the detailed techniques in these products. It'll help you set priorities for the tasks you'll need to perform.

When in Doubt, Start at the Beginning

Like many others, this product author offers a free website to jump-start your business. As with any website, you also need a hosting plan. The author recommends a hosting company that charges $4.95 per month. This is actually a great price, since it includes lots of high-quality features and a free domain name (i.e. www.your-own-domain-name.com.)

Your costs so far:

-- Product: $49.95, including free website
-- Domain name of your choice: $0.00
-- Hosting cost: $4.95 / month for hosting, paid 1 year in advance. Cost: $59.40
-- Total expenditure: $109.35

Ok, But How Do You Earn Income?

Let's assume you now have the complimentary website from the author under your chosen domain name. So, how does that make you money?

What you've actually got is a website with reviews for various money-making products, including the author's. You earn commissions when your visitors buy those products after reading your reviews. You don't sell anything directly; instead, you are an affiliate of the authors whose product reviews appear on your web pages. What does being an affiliate cost? Nothing... it's free! And, you stand to make substantial income if you can entice your visitors to buy the products you review.

For example, some packages cost $100 and you could receive up to 75% commission for sending a buyer to an author's web page, as long as they complete a purchase. Product prices and commissions vary, but the average charge for an information product is about $50 and the average commission paid is around 50%, so being an affiliate can be very lucrative!

Getting Visitors Fast

At this point, you've got the potential to make good, maybe even great money. But there's just one catch... nobody on the Internet knows about your website! You have no visitors and no buyers.

What can you do to get eyes on your site in a hurry? What else, spend some money! How much depends upon what you can afford up front and how well you understand pay-per-click (PPC) advertising.

What is pay-per-click advertising? Run a search on www.Google.com and take a look at the results page. On the right side of the screen you'll see a section called "Sponsored Links". These are the PPC ads, called Google Adwords, that people like yourself can purchase. Your ads appear when someone searches Google for the keywords you specified during ad setup.

Let The Bidding Begin

Here's how it works: You bid for position in the sponsored ads, but you pay nothing until someone clicks on your ad. For each click, you pay the amount you bid for your location in the ad results. Depending upon the keywords you pick, bids can range from $0.05 to many dollars.

But, it really

N-Dubz - You Better Not Waste My Time - Uncle B

Na Na Nye... Ohh naa naa, Ohh naa naa Yeah, yeah yeah N-Dubz, N-Dubz, N-Dubz 1ST VERSE Its like First things first, Youd probably think Im a chap with good manners, Well your wrong im the scum of the earth, Im the worst of the worst, An I aint boastin bout ma verses, Im speaking bout the way I run around snatching purses, For every meaning theres a purpose, Jus because I never went to school it dont mean that I cant be perfect, For screaming out loud!!! Wes addicted to money like two fingers tapping on wherever theres a vein, And believe me yeah we proud, Coz life is getting sicker by the day and therefore well always stick around, So now you see the size of me, You wouldnt think im any harm innit? Think again ill take your wallet nicely, Chat-up your wife to be, Middle-class girl, I think I need to get me one, And your one looks jus right for me, So come on you wanna fight with me? Might as well be polite to me? Unless you wanna deal with 15 ruffed-up Been through too much breddars that will ride for me, Sit you down and remove all of your designer garments off you silently, So I suggest, Go somewhere else and try to impress, Coz deep beneath the depths you aint never getting respect, I mean, Last night I had a dream that I was rich as hell, But the sick thing was, I was acting like a bitch as well, Isnt it funny how money can make a lot of people change? You think youre my friend? Blud im telling you, You aint. CHORUS You better not waste ma time, I got better things on my mind, I need to leave jerks like you behind, Coz all you ever do is jus bring me down, So would you let me be!! Or Ill make you disappear, When you hear the word MONEY Thats the only time you ever interfere, I thought that you was there, But I guess im wrong, Why would you care?? 2ND VERSE I remember once upon a time, When I was jus 13, So innocent and giving, Everyone would act like they love me, Then all the bitchin, and rumours began, Seemed like I didnt have any friends, So much hate, lies and deceit, Caused by all that jealousy, Now do you bitches really think that im the same girl I used to be? Do you really think I will back down from you hoes if you try to bring it to me? Now I know your hating, Coz your man keeps watching, But I dont even want him, So tell him stop clocking, The more you hate I get closer to my goal, Youll wake up with nothing at 20 years old, CHORUS X1 3RD VERSE I remember the days when I didnt have no rhymes, Practicing my verse in the class til it was home-time, I never used to pay attention in school, Was playing penny up the wall, Or in detention with fools, Thats why most the teachers used to doubt me, They used to say I wouldnt make in my music just to see me get rowdy, So I could switch in the classroom, For an excuse to kick me out, Then wonder why Im bunking all my lessons in the bathroom, Now im starving hungry, working hard, For this superstardom life, Been kinda hard for me to try and make it right, And its Hard to decide, Whether I should leave behind all my peeps in this life, To move forward and seek what I find, This life is lethal! Like a crack baby being born addicted to the needle, So much evil in people, Dappy said it 1st so I guess that im the sequel, So just because im black it dont mean that I cant be equal, For screaming out louder!! Were addicted to mics like two nostrils sniffing up wherever theres some powder, And believe me yeah were prouder, Coz lifes been sick from day and therefore only gonna get harder, I love my Nike airs but now im moving on to Gucci and prada, Used to looking rugged but the tucks looks smarter, And no you dont know me, And no you aint my co-d, So theres nothing on these streets that you could ever try and show me! LAST CHORUS X3

Author: SeeHearsThaThing
Keywords: N-Dubz You Better Not Waste My Time Uncle seehearsthathing
Added: November 20, 2008

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Vampire Princess.wmv

Hey people! This is DanceWar08 and I've seen other people make video series and thought to myself "Why can't I?". Well here it is Vampire Princess. Disclamier-I don't own the songs or the movie clips. it is a fanbased production and no money was made from the making of the movie. Storyline-Its all in the movie. Song-Castle of sand by:Kanon Wakeshima Time of completion- a week *sorry I've got school too* Program-Window's movie maker

Author: DanceWar08
Keywords: Vampire Princess
Added: November 20, 2008

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MAKE MONEY ONLINE! PART-TIME WITH PAYPAL XMAS MONEY www.tonymoney.ws

Make extra income at home part-time with this spiderweb marketing system. Earn $100 or more fast and easy. Perfect for spending money for the holidays. Visit www.tonymoney.ws

Author: anthonyg80
Keywords: Make money spiderweb cash poker holiday shopping
Added: November 20, 2008

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New American Slave book intro

Lyndon Holdeman introduces his new book The New American Slave - 7 Step Process How To Free Yourself Now.

Author: SimplifiedWealth
Keywords: Make money now home based business work from loan modification real estate investing short sales foreclosures success wealth creation simple residual income passive living simplified stress free Lyndon Holdeman
Added: November 20, 2008

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Waggoner Law Firm, Pc

Come To Our Law Firm For Legal Services, Including Civil And Criminal Defense, Family Law, And Personal Injury Litigations. Waggoner Law Firm, P.C. Is A Full-Service Law Firm That Provides A Variety Of Legal Services For People With Money Problems, Felonies, Or Involved In A Car Accident. Whether You Need Construction Law Services Or Probate Litigation, We Are Here To Help You With Your Legal Worries. Experience Our Unique Approach To Litigation. We'Re Here To Help You Win Your Legal Case! With More Than 15 Years Of Experience In The Legal System, Our Attorneys At Law Take The Time To Interview You, Our Clients, To Make Sure We Understand What You Really Need. From Civil To Criminal Defense To Family Law And Personal Injury, We Strive To Maximize The Return On Your Litigation Investment And Dollar. Right Now, Our Owner Frequently Provides Seminars To Attorneys On Behalf Of Construction Law, And We Also Provide A Variety Of Commercial Transaction Services Representing A Number Of Startup Companies. Since 1996, Waggoner Law Firm, P.C. Has Enjoyed Extremely High Win Rates At Our Trials Because Of Our Unique Approach To Litigation. Let Us Take Care Of Your Legal Struggles And Worries At Professional Law Firm!

Author: myservpro
Keywords: Lawyer Lawyers Attorney Attorneys Personal Injury
Added: November 20, 2008

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ARE YOU A SOLDIER READY TO WIN THE WAR

THE LIFE COACH SHOWS US THE INNER WAR THAT WE STRUGGLE WITH EVERYDAY WITH OURSELF AND OTHER PEOPLE. ISRAEL IS LEADING AN ARMY TO LIVE BETTER AND MAKE MORE MONEY

Author: VISION3000LIFECOACH
Keywords: ISRAEL JOHNSON, LIFE COACH, MOTIVATION
Added: November 20, 2008

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The Spider web Marketing System - Work From Home, Home Business, Make Money Online

http://onlinebusiness247.ws make money online,make money online the internet, make money online, making money on autopilot, make money today online, online money EMAIL ME: c.sherlock@onlinebusiness247.ws SKYPE: c.sherlock2310

Author: csmarketer
Keywords: Make money online make from the internet work home based business opportunities on paul Nicholls chris Sherlock get more traffic free cash for paypal google adsense yahoo advertising youtube using quick
Added: November 20, 2008

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Credit Card Catches

http://www.bestcreditrates.net Credit card offers these days often come accompanied by pages and pages of fine print. Buried in this legalese are some common catches that could impact you in a major way. From universal default clauses to annual fees, here are the most common credit card traps you should avoid: Annual Fees An annual fee is a charge sometimes required by credit card companies for use of an account. These fees usually range between $35-$50 and are most common with subprime credit cards designed for borrowers with poor credit and rewards credit cards. You can see exactly what the annual fee on a credit card offer is by checking out the Schumer Box in the rates and terms section of the offer. With a rewards card, you should ensure that the benefits of the mileage or points program outweigh the cost of the annual fee. Bill Payment Fees Even with online banking becoming increasingly common, some credit card companies charge extra fees for paying your bills online or by phone. If this is the case with your card, be sure you pay your bill by mail as soon as the statement arrives. You dont want to have to pay an extra $5 or $10 just to make your credit card payment on time each month. Grace Period Standard credit cards commonly have a 20 to 30 day grace period. This is the period of time when you can pay your credit card bill without being charged interest. It is important for borrowers who like to use their credit cards frequently and pay their bills in full each month to have a long grace period. If your credit card doesnt have a grace period, interest is charged on your debt as soon as you make a purchase. Introductory Rates Most credit card offers these days include an introductory rate for the first few months. A 0% offer can be a great deal as long as you know what strings are attached. How long does the introductory rate last? Does it apply to new purchases and balance transfers? Creditors can usually cancel the introductory rate early if you make a late payment. In some cases, you may have to pay interest retroactively on a debt if you havent paid it off before the end of the introductory period. Penalty Rate If you make a late payment on your credit card, you may have to kiss your good interest rate goodbye for a while. About 75% of credit card providers include a penalty rate clause with their credit card offers. This clause states that your rates can increase dramatically if you make a late payment on the account. The average penalty rate on a credit card is around 23%, a costly increase for a credit card that normally has a 6-12% APR. After about six months of on-time payments, most creditors will consider lowering your APR again. Universal Default Clause This increasingly common policy allows creditors to increase your interest rates if you make a late payment on any account, not just on their accounts. For example, your credit card APR could increase to the penalty rate if you make a late payment on an unrelated loan. Your creditors track your payment history with other accounts by checking your credit report. You can avoid problems with this clause by paying all your bills on time each month. Even with hidden catches, credit cards are one of the easiest and most affordable ways for you to borrow money. As long as you avoid these credit card traps and use your accounts responsibly, you can make the credit card system work for you. Luckily, Credit.com has taken the pain out of reading the fine print! Search for credit cards that meet your requirements online with Credit.coms credit card chooser tool.

Author: shahab816
Keywords: Credit Card Catches
Added: November 20, 2008

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EASY AND EFFECTIVE WAY TO GET MUCHO MONEY :-)

This is an interesting point of view, a MUST SEE VIDEO

Author: ale5757
Keywords: MONEY cash earn reseller retailer wholesaler pay paypal make-money spend invest investment living how-to
Added: November 20, 2008

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gptreasure proof! ill show you that i got payed

check it out it really works! www.gptreasure.com/register.php?ref=bernard4

Author: bstar41
Keywords: make money online
Added: November 20, 2008

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Online Jobs - Work From home Moms - Making A living Online - Make Money Online FREE - The Spider Web Marketing System

http://onlinebusiness247.ws Work From home, Online jobs make money online,make money online the internet, make money online, making money on wutopilot, make money today online, online money EMAIL ME: c.sherlock@onlinebusiness247.ws SKYPE: c.sherlock2310

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Mark McCaslin's Roadmap to Home-based Business Success

http://www.HomeBasedProfitZone.com Mark McCaslin, 856-470-4639! ---------------------------------------------------------------------------------------------------------------------------------- Home Based Business Work From Home Make Money Network Marketing Online Business Work At Home Business And Jobs To Work Online From Home The Work at Home Business Guide to Make Money Online.™ We are committed to provide you with scam free business opportunity offers and related resources that will allow you to work from home so you can make money online for free. The Business Opportunity world-class business opportunity enables you to make money on the Internet with NO investment, fees, or costs required whatsoever. Home Based Business Work at Home Jobs Make Money Online Bringing you the best home based business opportunities, work at home jobs, home business resources, and more. Everything you need to make money online. Home Based Business Opportunities Make Money Online The review is dedicated to help you in deciding which home based business opportunities are right for you? Learn the truth before investing your resources so you can earn money from the internet! WORK FROM HOME! free how to earn a six-figure income every year working right from your home, would free Take it from us anyone can earn income. Work At Home Jobs Make Money Online Work From Home Legitimate Work at Home Job Opportunities and Home Based Business free Type At Home And Earn. Income From Home! #1 Home Based Business. Online Work At Home " free Work From Home Jobs Please feel free to browse around to find out how to Work From Home Jobs free Work At Home Typing Jobs Earn a Full Time Income Typing Online. free Work From Home - Legitimate Work From Home Jobs Legitimate work from home jobs can be hard to find. free up for a work from home job that requires you to free Tips to Earn More Income When You Work From Home free!

Author: mlmccaslin08
Keywords: based business from home jobs legit make marketing money network online work
Added: November 20, 2008

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Another Day in The Life of a Full Time Ebayer!

http://TrueFocusGroup.com CLICK ON THE BLUE LINK Marketing expert Robert Bankston shares with you his "Youtube Marketing" secrets! The FIRST and ONLY video to give you the The "Youtube Marketing" Course. "My Reaction" "Ken McDougal" shows you "How to" "make money at Home"REAL ways to use Youtube to market your product or service...no beating around the bush, just actual info to help you monetize your channel and start making "money online"! Robert Bankston has done it again! Robert has brought you The "Youtube Marketing" course...in this Internet marketing course "robert" shows you "how to" use "Youtube Marketing" to "generate leads" and "generate traffic" to your websites and channels. "get" "on" "the" "first" "page" of search results is easy, let Robert Bankston show you how! "Youtube marketing" made easy in this EASY to follow Marketing course. Robert Bankston is the same author that brought you "The Method Report", and now "The Youtube Marketing Course". Robert Bankston teaches you Youtube Marketing like you have never seen it before in this value packed "marketing" course!Get your hands on the "youtube marketng" course before your competitors do! If you are SERIOUS about making Money Online or Working from Home or having an Internet Business where you can make fast cash to pay those bills, then these internet online programs can help you, The Great thing is, you don't even need a website, or know anything about the internet in order to make money from home whether it is with your own business or on Ebay. There are plenty of money making programs out there on the internet to choose from. Just do a Google Search on your PC or Mac to find them. Programs such as affiliate marketing,public domain sites, ebay, Making a full time living on ebay or the internet, doing joint ventures, or hooking up with online gurus and attending seminars. The internet has leveled the playing field so that anyone can make a Huge bundle of Cash or make a living from home. So check out all the online businesses here and see if one is a fit for you and lets make some money from home. Like Nike'says...JUST DO IT! Remember, you don't have to get your online business perfect, you just have to get it Going! Formal Education will make you a Living...Self Education will make you a Fortune! So Get Going, do your do diligence and don't be a tire kicker but be a true Entrepreneur. Regards Ken McDougal Jr.

Author: HomeBizGuy1
Keywords: Ebay Store History Obama McCain dance off Election 2008 NASCAR Biggest Crash in Modern Era Avril Lavigne Girlfriend Pop Music Video
Added: November 20, 2008

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N-Dubz - N-Dubz vs. NAA - Uncle B

(feat. N.AA) [Chorus:] Hello Hinos The N-Dubz Woh Nanana It's N-Dubz Flip Flip N.Aa Uhuhuhuh Souths Finest N-Dubz North West Best N-Dubz N-Dubz Rep Cuz Uhuhuhuhuh [Verse 1:] Yow U Got The Same Name As Us Why U Hyping For Thats A Coinsidence Can U Picture This Picture What Me Sitting On Your Head Piece Making Ya Beg Please Now If U Wanna Pick On Him U Have To Go Through Me Flip Flip Won't U G Uhuh Stay Outta This Keep Ya Ass Well Far Like Way Outta This(Oi Oi) Oi Look Mine How U Talking Shut Up Stop Talking Waste Man A Brush Man I Swear Blood I'll Brush Man Black Na Blood Hold Me Back Hold Who Back They Think Their Bad Who Are U Dog Waste Man Don't Waste My Time [Chorus] [Verse 2:] But Who Are U Really Don't Watch Who I Am Don't Watch Who He Is I Wanna Know Who He Is I Swear Thats The Youth With Glasses Theres No Sun Son Lowe The Glasses Leave The Attitude But Im Mad At U Then Try And Calm It Down U Need To Calm It Down Lets Do This Do Music Make Money We're Stars Lets Come Too Our Senses True Honesty Couple Years We Can Have Our Own Prophity We Know About Your Ego Tricks Their Never Get No Where Like This Boyz U Need To Relax U Know Together We Stand The Fighter We Know [Chorus] [Verse 3:] So What U Sayin What U Sayin Do We Sound That Bad Na U Just A Little Bit Mad So What U Sayin U Wanna Make A Track Lets Make Movements We Can Be Anusants To The Scene We Can Sell Handheld Units Lets Stop Being Stupid Come Lets Do It Don't Open The Door Lets Fly Kick Through This Anywhere Anyhow Gaps I'm Ready Now Solo Tell Em How Lets Make To The Now Anyhow Anywhere B's Got Mini Bear Tear Down Any Rear New Flight Relegates Souths Finest N-Dubz North West Best N-Dubz So Whats The Deali Then Lads N.Aa N-Dubz The Finest [Chorus X2]

Author: SeeHearsThaThing
Keywords: N-Dubz vs. NAA Uncle seehearsthathing
Added: November 20, 2008

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stream-of-income

Learn how to make money simply using our tried and tested methods

Author: jonrayner1
Keywords: money income education gold
Added: November 20, 2008

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Britney Spears - Kill the lights + Lyrics [OFFICIAL SONG FANMADE VIDEO]

I made the video, hope you enjoy please rate and commen :] [Verse 1] You dont like me, I dont like you, it dont matter (Who?) Only difference, you still listen, I dont have to (Who?) In one ear and out the other, I dont need you (Who?) Your words dont stick, I aint perfect, but you aint either (Who?) If your feeling froggy, leap (Oh) I dont even lose no sleep (Oh) Theres more to me than what you see (Oh) You wouldnt like me when Im angry [Chorus] Mr. Photographer, I think Im ready for my close-up (tonight) Make sure you catch me from my good side (pick one) These other just wanna be me Is that money in your pocket or you happy to see me? Kill the Lights! Take em out, turn em off, break em down. Kill the Lights! Dont be scared, make a move, see me now? Kill the Lights! Ive seen you, watching me, watching you Kill the Lights! You cant handle the truth, what happened to you? I kill the lights, PURE the lights, SATIS the lights, FACTION I kill the lights, LIGHTS the lights, CAMERA the lights, ACTION [Verse 2] All the flashing, trying to cash in, hurts my eyes All the poses, out of focus, I despise Eff me over, your exposure, not the best You want me bad, I want you out, release this stress (Chorus) [Bridge] Youre the star now, welcome to the big league They all want a pic, they all wanna see, see, see What youre made of, what youre gonna do Is life gonna get the best of you? (Chorus)

Author: Sudetjuhhhh
Keywords: killsudebritt
Added: November 20, 2008

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Club Penguin Infinity 2008

Comment,Rate,Subscribe i do not make money from the music in this video all the music is owned by Guru Josh Project

Author: HIPPYRAPDUDE
Keywords: Club Penguin Jimis11 Hippyrapdude
Added: November 20, 2008

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Work From Home To Make Money Online Earn 12K A Month Paypal Proof!

http://www.SHUDOGG.ws Make money online easy fast real cash proof Make Free Cash work at home Make money online easy fast real cash proof Make Free Cash Make money online easy fast real cash proof Make Free Cash Make money online easy fast real cash proof Make Free Cash Earn Free Money Online with Make Free Cash tutorials to (make money online). Daily clicks, (make money online)This is a good offer for anyone new to trying to (make money online), because if your going to try and make some money online you are going to need a system. (make money online) blog(the web of wealth), get paid to complete offers, YouTube take free make money with google (make money online) £100 a day(make money online) £100 a day. Leave a Comment; Internet Marketing. I love a get rich quick system. Why? Because they always work ! Make Friends, Earn Money With Paid Surveys, Paid Reviews, CashbackMake friends and earn money online through paid surveys and cashback shopping. Get paid to review or chat and (make money online). (make money online) Start a ...(make money online) With the spiderweb marketing system Over 300 exclusive articles about planning, running and marketing a profitable content website. 22 Ways to (make money online) - SubHub | Start a Subscription Web In this article I'm going to focus on simplifying what you need to know about (making money online) and then run through a case study of a 22-ways-to-make-money -online Guide To (making money online) With Blogging | Connected Internet blogging for just over two years, but I've only been trying to (make money online) with blogging for the last 6 months since guide to-making-money-online-with-blogging Work from home | (make money online) | business Opportunities provide work from home business opportunities. Want to (make money online), work from home, start a business or become your own boss? (make money online) | How to Make Money Fast | Make Easy Money Online(make money online) - A step-by-step system that shows you how to make easy money online fast. How to start a free company and (make money online) 2 votes, average: 5 out of 5 2 votes, average: 5 out of 5 2 votes, average: 5 out of 5 2 votes, ... hillary clinton mccain barrack obama How to (make money online). Useful tips.we move on to Ghana to meet the Nigerian-born Global Voices Author, David Ajao, teaches us how to (make money online): ...It is indeed very true that you can ... make-money -on-the-internet fast free proof just watch this one free myspace (make money online) | Internet Marketing | Marketing is a free site that teaches internet marketing tips and tricks - you will find case studies and tutorials that teach you how to make money ... Free Online Casino Cash - Casino Cash Cowfree online money. And it's good believe me - Seeing your bankroll grow in leaps and bounds - Knowing that the more you make the less chance you have of ... (make money online)Resources of how to (make money online). Find money making opportunities. Update of latest free Internet marketing e-books, reports and tools released by ... BidVertiser - Webmasters Make Money With Pay Per Click Affiliate ...(make money online) by adding the BidVertiser ads to your site or blog and get ... BidVertiser Ads For Feeds - Now you can make money also from your feeds! (make money online) | Make Money At Home With A 13-Year Old Discover how a 13-year old made money online. (make money online) topics include Blogging, Internet Marketing, AdSense and a lot more. (make money online) - (make money online) with Integrity(make money online) with proven techniques from Internet marketing experts. Learn how to make big money online with integrity. can i make big money online free fast easy quick new sexy cash youtube Blog Automatically, (make money online), Affiliate Marketing with ...RSS to Blog automate your blog posts. Post RSS feeds to your blog. make fast free money online How to (make money online) for BeginnersDon't let the stunning graphics and good looks of this blog fool ya'... if you want to know how to (make money online)... for free... legitimate business... ... myspace Work From Home To Make Money Online Paypal Proof! Make Money work From Home Online on Business Income fast easy youtube blogging free video part full time internet howto myspace adsense facebook reviews tips tutorial tricks best way buying selling opportunities careers

Author: 2000specx
Keywords: Make Money Online work From Home on earn blogs Business Income fast easy youtube free obama video part full time no funny internet howto myspace adsense facebook reviews teens tips tutorial tricks best way buying selling hillary opportunities careers when to
Added: November 20, 2008

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Online Jobs, Work From Home - Home Business - Jobs Online - Make Money Online

http://onlinebusiness247.ws Online jobs make money online,make money online the internet, make money online, making money on autopilot, make money today online, online money EMAIL ME: c.sherlock@onlinebusiness247.ws SKYPE: c.sherlock2310

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Miley Cyrus- Let's Do This + Lyrics

When I find the download link I'll let you know (: I rode all night on a big old bus You came a long way to be w/ us You paid good money To see a show Ya, lets get ready Cuz here we go Get on your feet, cuz im plugged in So come on, let's do this I'll turn it on I'll turn it up I'll show you all what i'm made of I'll make it loud I'll wear it out I'll bring the roof in this house down I know just what you came here for And I want to hear you scream and more Get on your feet You know you can't resist Let's Do This na na na na na na uh huh uh huh na na na na na na let's do this na na na na na na uh huh uh huh na na na na na na Don't call this work But I'm here to play And the real party starts backstage And all my friends They sing my song I wish you all Could come along To take a picture To show your friends So come on, lets do this I'll turn it on I'll turn it up I'll show you all what i'm made of I'll make it loud I'll wear it out I'll bring the roof in this house down I know just what you came here for And I want to hear you scream and more Get on your feet You know you can't resist(oh) Let's Do This na na na na na na uh huh uh huh na na na na na na let's do this na na na na na na uh huh uh huh na na na na na na Everybody come on Now's time to get loud Throw your hands up Now's the time to shout it out All my people let me see you Jumpin up and down Let me hear the words You know, you know now sing them out Freak out Scream and shout This is what it's all about Let me hear the words now(?) I'll turn it on I'll crank it up I'll show you all what im made of I like it loud I'll wear it out I'll bring the roof in this house down I know just what you came here for And i want to hear you scream and more Get on your feet I know you cant resist Let's Do This na na na na na na uh huh uh huh Let's Do This na na na na na na let's do this (whoo) na na na na na na uh huh uh huh na na na na na na Let's Do This

Author: GlamourHudgensCyrus
Keywords: leet's
Added: November 20, 2008

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doesn't matter how much you pay per click as long as you get a fair amount of sales from those clicks. Remember, you can earn an average of $25 and even $75 or more per sale if your customers buy through your affiliate program.

Pay-Per-Click Economics 101

Let's assume a cost of $0.25 per click and an average profit from each affiliate sale of $25. You must sell (or "convert") 10 products per 1000 clicks just to break-even. So, your "conversion rate" or the number of sales you make vs. the number of total clicks on your ad is 1%.

1% sounds like a low number, but it's actually considered a decent conversion rate on the Internet. But, you're just breaking-even. To start making money, you must lower your cost-per-click or raise your conversion rate. How? By selecting the right keywords for your ads and tweaking your website so it induces your visitors to buy, not just browse.

The Adwords Path to Profits

Ideally, you want your ad to appear in targeted search results, when the searcher is ready to buy. There's a whole science (and maybe some voodoo) behind picking the best keywords for your ads, writing a compelling ad and getting your prospective customers to make a purchase from your website. But, there are also lots of informative products out there to help you. Products which you can buy and then sell as an affiliate!

Ok, let's recap your business costs up to now... you've spent $109.35 on a money-making product plus web hosting. Add $250 per week for Google ad clicks (1000 clicks / week at $0.25 each = $250 / week.) So at the end of month one, you have a total outlay of $1109.35, with $1000 repeating each month for ad costs.

Now, let's look at your profit figures... at the original conversion rate of 1%, you break even each month after the first. Not so good, but... what if you enhanced your Google ad and picked some cheaper, targeted keywords for your ad raising your conversion rate to 1.5%?

Count Your Profits, But Keep Your Job

Good news! 1.5% of those 1000 clicks per week is 15 sales. At $25 commission per sale, you rake-in $375 per week. Subtracting $250 in Google ad costs, you just made $125 profit per week! Not enough to quit your job, but that's $500 a month you didn't have before. The best part is, this process repeats itself without any more effort on your part.

Make a Living from Your Website(s)

Now, let's improve your bottom-line. Imagine you have 20 affiliate websites selling various products that generate $125 profit per week through affiliate sales. That's an amazing $2500 per week or $130,000 per year! Makes you want to quit your job and devote even more time to creating websites, doesn't it?

Is this simple? Not when you first start out. In fact, if you aren't careful about your keyword choices and your ad and website content, you could be pouring that $250 in ad costs right down the Google drain!

Worth It or Worthless?

Yes, money-making products that promise Internet profits can actually work. Just be sure to follow instructions and take careful notes. It's also smart to learn as much as you can about keyword selection, ad writing and website design. Oh, and don't forget to take some time to enjoy your success!

Tom Thomas is an Internet marketer who reviews the best money-making products, domain name registrars, website hosting companies and online marketing tools. See his reviews at http://BestMoneyMakersGuide.com.

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M&S spectacular pulls in bargain hunters
<div><img alt="" src="http://hits.guardian.co.uk/b/ss/guardiangu-feeds/1/H.15.1/24711?ns=guardian&pageName=Business%3A+M%26amp%3BS+spectacular+pulls+in+bargain+hunters&ch=Business&c3=guardian.co.uk&c4=Marks+and+Spencer+Group+%28Business%29%2CRetail+industry+%28Business%29%2CHigh+street+retailers%2CBusiness%2CMoney&c5=Personal+Finance%2CFashion+and+Beauty%2CBusiness+Markets&c6=Julia+Finch&c7=2008_11_20&c8=1121366&c9=article&c10=GU&c11=Business&c12=Marks+%26+Spencer&c13=&c14=&h2=GU%2FBusiness%2FMarks+%26+Spencer" width="1" height="1" /></div><p>In the basement of Marks & Spencer's vast store in the new Westfield shopping centre in west London, trolleys are clattering through the tills. </p><p>It is the 20% off one-day spectacular - designed to pull in customers and shift unsold stock - and a couple from Dorset are paying for a trolley laden with Pol Monnet champagne. They have just bought 36 bottles - and saved nearly £500 on the shelf price of the bubbly.</p><p>The champagne is a triple bargain. On top of the 20% off is another 10% discount and a £5 a bottle reduction for buying more than 12 bottles. The result is the £26 shelf price slashed to just £13 a bottle. </p><p>Isabelle Marsh has just bought 36 bottles for £494 - and saved £442. She runs a fun casino business - Viva Las Vegas in Bournemouth - and the champagne will be used as prizes. The couple were in London visiting friends when they heard about the M&S discount day and made a special trip to Westfield to stock up at the bargain prices.</p><p>At the next till her friend, Kay and Roger Brahams from Surrey, who are also in the casino business, are doing exactly the same. They also have a load of half-price champagne and also a collection of blue spotted bow-ties and waistcoats for their croupiers - four waistcoats, four bow-ties and two pairs of black trousers for £124, down from £155 for one day only. "It's for the business," says Roger Brahams. "It is too good to miss."</p><p>The wine department is brimming with bargains. One couple are considering a job lot of Mersault, down from £23 a bottle to less than £19, for their wedding next year. The best bargain? An £85 bottle of Clos L'Eglise Pomerol for £68.</p><p>On the clothing floor, however, the signs are that shoppers have just used the discount day to bring forward purchases they were planning to make anyway.</p><p>Mark, a BBC employee who works nearby, has popped in to buy an £80 coat he has had his eye on for some time. "My wife rang me this morning to tell me about the sale," he explained. He paid £64 and was walking away very pleased with his bargain - but has not been tempted into other purchases.</p><p>A local resident, who had called in to buy cashmere sweaters for her parents in Canada, and was also bringing forward a planned purchase. "My parents like the sweaters and I would have come in to buy them next week anyway."</p><p>Two other local workers from Shepherds Bush were also using their lunch break to buy reduced price cashmere, which they said they would not have considered but for the cut in price. "We wouldn't have paid full price, we would have waited for the sale after Christmas, but today we can make sure we get the colours and sizes we want."</p><p>One added: "I never pay full price. I am a bargain hunter. There's no point in paying top prices for basics."<br /></p><div style="float: left; margin-right: 10px; margin-bottom: 10px;"><ul><li><a href="http://www.guardian.co.uk/business/marksspencer">Marks & Spencer</a></li><li><a href="http://www.guardian.co.uk/business/retail">Retail industry</a></li><li><a href="http://www.guardian.co.uk/business/highstreetretailers">High street retailers</a></li></ul></div><div class="guRssAdvert"><a href="http://ads.guardian.co.uk/click.ng/richmedia=yes&site=Business&country=usa&spacedesc=rss&system=rss&transactionID=1227217970569112021532145126"><img src="http://ads.guardian.co.uk/image.ng/richmedia=yes&site=Business&country=usa&spacedesc=rss&system=rss&transactionID=1227217970569112021532145126" border="0" /></a></div><a href="http://www.guardian.co.uk">guardian.co.uk</a> © Guardian News & Media Limited 2008 | Use of this content is subject to our <a href="http://users.guardian.co.uk/help/article/0,,933909,00.html">Terms & Conditions</a> | <a href="http://www.guardian.co.uk/webfeeds/1,,1309488,00.html">More Feeds</a>
Savers urged to act fast for highest interest rates
Falling interest rates mean savers have a limited amount of time to benefit from existing deals, says Huma Qureshi
Would an office like Google's change your life?
Wishing your workplace was more fun? Be careful who you tell
Oil falls below $50
<div><img alt="" src="http://hits.guardian.co.uk/b/ss/guardiangu-feeds/1/H.15.1/60061?ns=guardian&pageName=Business%3A+Oil+falls+below+%2450&ch=Business&c3=guardian.co.uk&c4=Oil+%28business%29%2CCommodities+%28oil%2C+gold+etc%29%2CBusiness%2CWorld+news%2CUK+news%2CUS+news%2CMotoring+%28Money%29%2CMoney%2CHousehold+bills&c5=Motoring%2CPersonal+Finance%2CCredit+Crunch%2CNot+commercially+useful%2CBusiness+Markets%2CEnergy&c6=James+Robinson&c7=2008_11_20&c8=1121292&c9=article&c10=GU&c11=Business&c12=Oil&c13=&c14=&h2=GU%2FBusiness%2FOil" width="1" height="1" /></div><p>Oil prices fell below $50 a barrel today for the first time since May 2005, reflecting declining demand as the global economy slows - London-traded Brent crude fell $3.10 to $48.62 a barrel, while US light sweet crude was down $3.71 to $49.91.</p><p>The latest fall means oil is the cheapest it has been for over three years, and defies predictions earlier this year from some leading producers who said it could peak at $200 a barrel. </p><p><a href="http://www.guardian.co.uk/business/2008/may/23/oil.commodities1">In May this year, Libya's leading oil official Shokri Ghanem</a> said: "It is out of our hands. $200 a barrel is not logical but even $135 is not logical, so yes oil could reach $200 a barrel. Why not?"</p><p>The average price of oil for the year to date was $107.72. It peaked at $147.25 a barrel in July this year, well over twice the level it was at in the same month in 2007. </p><p>The decline in the value of oil is good news for motorists and consumers. The price of petrol is likely to fall and utility bills will also come down if the price remains low, although some energy companies have been criticised for failing to pass on price cuts to their customers quickly enough. </p><p>Energy minister Ed Miliband met leading suppliers earlier this week to demand they lowered their prices. The fall is also likely to reduce inflationary pressure and makes another big interest rate cut more likely. The Bank of England's monetary policy committee next meets to set the rate on December 4.</p><div style="float: left; margin-right: 10px; margin-bottom: 10px;"><ul><li><a href="http://www.guardian.co.uk/business/oil">Oil</a></li><li><a href="http://www.guardian.co.uk/business/commodities">Commodities</a></li><li><a href="http://www.guardian.co.uk/world/usa">United States</a></li><li><a href="http://www.guardian.co.uk/money/motoring">Motoring</a></li><li><a href="http://www.guardian.co.uk/money/householdbills">Household bills</a></li></ul></div><div class="guRssAdvert"><a href="http://ads.guardian.co.uk/click.ng/richmedia=yes&site=Business&country=usa&spacedesc=rss&system=rss&transactionID=1227217970585112021532145126"><img src="http://ads.guardian.co.uk/image.ng/richmedia=yes&site=Business&country=usa&spacedesc=rss&system=rss&transactionID=1227217970585112021532145126" border="0" /></a></div><a href="http://www.guardian.co.uk">guardian.co.uk</a> © Guardian News & Media Limited 2008 | Use of this content is subject to our <a href="http://users.guardian.co.uk/help/article/0,,933909,00.html">Terms & Conditions</a> | <a href="http://www.guardian.co.uk/webfeeds/1,,1309488,00.html">More Feeds</a>
Poll: Are you feeling the pinch?
Amid a constant stream of bad economic news, the latest retail figures suggest that we've far from given up our favourite national pastime ? shopping ? despite some evident pain on the high street. Have you changed your spending habits?
Rural south hit hardest by unemployment rise
As the economy enters recession, the impact upon the jobs market is starting to be felt across the UK, particularly in the south of England
Christmas: How to cope financially this festive season
Worried about the cost of Christmas? With a bit of planning you can sail through the season of goodwill without breaking the bank, says Laura Howard
Supermarkets flout rules on special offers, says Which?
<div><img alt="" src="http://hits.guardian.co.uk/b/ss/guardiangu-feeds/1/H.15.1/11699?ns=guardian&pageName=Money%3A+Supermarket+offers+%27not+always+special%27&ch=Money&c3=guardian.co.uk&c4=Consumer+affairs+%28Money%29%2CRetail+industry+%28Business%29%2CMoney%2CBusiness%2CSupermarkets+%28business%29%2CUK+news&c5=Personal+Finance%2CNot+commercially+useful%2CBusiness+Markets&c6=Staff+and+agencies&c7=2008_11_20&c8=1121111&c9=article&c10=GU&c11=Money&c12=Consumer+affairs&c13=&c14=&h2=GU%2FMoney%2FConsumer+affairs" width="1" height="1" /></div><p>Supermarket special offers are misleading consumers and breaking government guidelines, the consumer group Which? said today.</p><p>Tesco, Marks & Spencer and Sainsbury's are all accused of labelling products as having money off when they have only briefly been sold at a higher price.<br /> <br />Guidelines state that for an item to be a genuine offer it must be sold in the store at the advertised higher price for the previous 28 days.</p><p>The item must also not stay on offer for longer than it has been at the higher price, unless the retailer displays a sign saying otherwise. The only other exception is if an item is going out of date.</p><p>However, by buying the same basket of items once a week between June and August in Tesco, Waitrose, Sainsbury's, Asda, Morrisons and Marks & Spencer, Which? found some retailers were flouting those rules.</p><p>The offending deals were:</p><p>? M&S cherries were marked as half price at £2.49, despite selling for £2.99 immediately before. The cherries had only been sold at £4.99 for 17 days, a month before the offer</p><p>? Waitrose blueberries were only at the higher price of £3.99 for two weeks before being sold at "half price" (£1.99) for six weeks</p><p>? Sainsbury's Gallo Cabernet Zinfandel and Chardonnay Sauvignon had £1 off at £3.99 for five weeks, then briefly returned to the higher price of £4.99 for one week before going back to £1 off</p><p>Which? also found Tesco strawberries and M&S bacon were "on offer" for the entire three-month investigation. Although these offers did not break the guidelines they could "hardly be described as special", Which? said.</p><p>Nikki Ratcliff, head of research services at Which?, said: "Supermarkets need to comply with the spirit of the new government guidelines and stop misleading consumers into thinking they're getting great deals when they're not."</p><p>An M&S spokeswoman said: "We always aim to offer our customers excellent value and follow guidelines on promotions wherever possible.</p><p>"For the bacon, unfortunately we made a mistake with the ticketing of this product and we apologise to our customers. We rectified it straight away."</p><p>Tesco said it had clear policies in place to ensure it followed the guidelines and that all its offers were genuine. "Competition among retailers is strong and we're absolutely focused on delivering the best value while following regulations," it said.</p><p>Waitrose and Sainsbury's said they would be taking action in light of the findings to make sure they stuck to the guidelines in future.</p><p>A survey of 3,039 Which? online panel members found almost three quarters thought special offers were good value and more than half often bought items because they were on offer.</p><div style="float: left; margin-right: 10px; margin-bottom: 10px;"><ul><li><a href="http://www.guardian.co.uk/money/consumeraffairs">Consumer affairs</a></li><li><a href="http://www.guardian.co.uk/business/retail">Retail industry</a></li><li><a href="http://www.guardian.co.uk/business/supermarkets">Supermarkets</a></li></ul></div><div class="guRssAdvert"><a href="http://ads.guardian.co.uk/click.ng/richmedia=yes&site=Money&country=usa&spacedesc=rss&system=rss&transactionID=1227217970601112021532145126"><img src="http://ads.guardian.co.uk/image.ng/richmedia=yes&site=Money&country=usa&spacedesc=rss&system=rss&transactionID=1227217970601112021532145126" border="0" /></a></div><a href="http://www.guardian.co.uk">guardian.co.uk</a> © Guardian News & Media Limited 2008 | Use of this content is subject to our <a href="http://users.guardian.co.uk/help/article/0,,933909,00.html">Terms & Conditions</a> | <a href="http://www.guardian.co.uk/webfeeds/1,,1309488,00.html">More Feeds</a>
Credit crunch: Will it deter the Christmas shoppers?
Credit crunch, what credit crunch? Consumers were still shopping till they dropped at a festive fair last week, says Frances Booth
After Barclays, Pirc takes on retail minnow Clinton Cards
<div><img alt="" src="http://hits.guardian.co.uk/b/ss/guardiangu-feeds/1/H.15.1/88011?ns=guardian&pageName=Business%3A+After+Barclays%2C+shareholder+watchdog+takes+on+retail+minnow+Clinton+Cards&ch=Business&c3=guardian.co.uk&c4=Retail+industry+%28Business%29%2CMoney%2CInvesting+%28Business%29%2CInvestments&c5=Personal+Finance%2CInvestments%2CBusiness+Markets&c6=James+Robinson&c7=2008_11_20&c8=1121103&c9=article&c10=GU&c11=Business&c12=blog&c13=&c14=Business+blog&h2=GU%2FBusiness%2Fblog%2FBusiness+blog" width="1" height="1" /></div><p>Executives at Clinton Cards are unlikely to be on Pirc's Christmas card list. The shareholder body, which took on Barclays earlier this week, issued a strongly worded critique of the company's management last night, highlighting concerns over the way it's run. </p><p>It may pale into insignificance when placed beside the excesses of the banking sector, where executives were paying themselves millions as their employees persuaded people with no money to take out colossal mortgages, but if Pirc can embarrass corporate giants like Barclays, it can easily shame retailing minnows based in Essex. </p><p>Clinton Cards is a small business, built by its founder Don Lewin, a Londoner who used to work as a chimney sweep, and it's difficult not to admire his success.</p><p>I expect he regards Pirc as a bunch of over-zealous box tickers, and it's true that its demands for good corporate governance sometimes seems ridiculous when they are applied to tiny companies who don't have big boards and run relatively streamlined operations.</p><p>Unfortunately for Lewin, they may have a point this time. </p><p>Lewin, who founded the company in the late 60s, is the chairman and chief executive of the listed group, worth around £26m, an arrangement guaranteed to get the corporate governance lobby into a frenzy.</p><p>But he also employs two of his children as directors and Pirc claims there is only one truly independent non-executive director on its 10-strong board. Lewin named his company after his son Clinton Lewin (left), who is MD, and has been waiting to succeed his father for years. Don Lewin's daughter Debbie Darlington (nee Lewin) joined the company in 1985 and was appointed to the board in 2000. </p><p>Both of them know the business inside out and evidently do a good job - the company consistently produces healthy profits - and there are no signs of a shareholder rebellion - yet. But Pirc is advising its members to vote against approving the company's report and accounts at its AGM on Tuesday.</p><p>Worse still, according to Pirc, there is little information about pay, the highest paid director receives one of the largest salaries in the quoted retail sector - Don Lewis was paid just over £1m this year and last, and there are no details about the amount paid into pension schemes.</p><p>The Lewin family owns 32% of Clinton Cards, which made pre-tax profits of £19.5m this year. There are far larger companies who operate in a similar fashion - Rupert Murdoch's media empire is one - and shareholders are generally happy to turn a blind eye to corporate governance issues providing they make lots of money and pay decent dividends. A healthy share price helps too, but Clinton's has fallen from around 60p at the end of 2007 and stood at 13p this morning. It will be interesting to see whether there are mutterings of dissent next week. </p><p>A source close to the company points out that it had strong family connections, and that under Lewin's guidance it has "grown from a very small concern in Loughton, Essex to one of the country's biggest card retailers". It is familiar with Pirc's complaints, although it hadn't seen the group's latest alert, and believes it is fixated on issues that few shareholders are concerned about. </p><p>Strangely, Pirc omits to mention that Don Lewin recently turned 75, and this year also marks the 40th anniversary of the company's formation, and 20 years since its stockmarket flotation. That might seem like a good time to step back from the business, or hand over control of the company to his son - after a thorough, and completely transparent search for a suitable successor, of course.<br /> <br />The last time there was a downturn in the City, the company made 'redundancy cards', and in the current environment it must be thinking about dusting off those designs. Don Lewin's retirement card, however, seems to be stuck in the post.</p><div style="float: left; margin-right: 10px; margin-bottom: 10px;"><ul><li><a href="http://www.guardian.co.uk/business/retail">Retail industry</a></li><li><a href="http://www.guardian.co.uk/business/investing">Investing</a></li><li><a href="http://www.guardian.co.uk/money/moneyinvestments">Investments</a></li></ul></div><div class="guRssAdvert"><a href="http://ads.guardian.co.uk/click.ng/richmedia=yes&site=Business&country=usa&spacedesc=rss&system=rss&transactionID=1227217970610112021532145126"><img src="http://ads.guardian.co.uk/image.ng/richmedia=yes&site=Business&country=usa&spacedesc=rss&system=rss&transactionID=1227217970610112021532145126" border="0" /></a></div><a href="http://www.guardian.co.uk">guardian.co.uk</a> © Guardian News & Media Limited 2008 | Use of this content is subject to our <a href="http://users.guardian.co.uk/help/article/0,,933909,00.html">Terms & Conditions</a> | <a href="http://www.guardian.co.uk/webfeeds/1,,1309488,00.html">More Feeds</a>
Mortgage lending increases by 7%
<div><img alt="" src="http://hits.guardian.co.uk/b/ss/guardiangu-feeds/1/H.15.1/77400?ns=guardian&pageName=Money%3A+Mortgage+lending+increases+by+7%25&ch=Money&c3=guardian.co.uk&c4=Mortgages+%28Money%29%2CProperty%2CMoney%2CMortgage+lending+figures+%28Business%29%2CBusiness%2CUK+news&c5=Personal+Finance%2CNot+commercially+useful%2CBusiness+Markets%2CProperty+Mortgages+and+Interest+Rates&c6=Hilary+Osborne&c7=2008_11_20&c8=1120931&c9=article&c10=GU&c11=Money&c12=Mortgages&c13=&c14=&h2=GU%2FMoney%2FMortgages" width="1" height="1" /></div><p><a href="http://www.guardian.co.uk/money/mortgages">Mortgage</a> lending increased by almost 7% in October but remains well below last year's level, figures showed today.</p><p>The Council of Mortgage Lenders (CML) said gross mortgage lending totalled £18.7bn in October, up from September's record low of £17.4bn.</p><p>Despite <a href="http://www.guardian.co.uk/money/interestrates">interest rate</a> cuts in October and November, which have brought the Bank of England base rate down to 3% from 5%, the market was still stymied by a lack of mortgage funding, the CML said.</p><p>As a result, the gross lending figure, which does not take into account repayments and redemptions, remains the second lowest this year and is 44% lower than last October when lending totaled £33.4bn.</p><p>The CML's direct general, Michael Coogan, said the outlook for the mortgage market remained weak and more government action was needed to free up lending. </p><p>"Consumer confidence is now being affected by the worsening economic outlook. However, any recovery in lending is also being held back by the continuing shortage of mortgage funding," Coogan said. </p><p>"The government should therefore publish the delayed Crosby review as part of the forthcoming pre-budget report and announce concrete steps that will enable and encourage firms to increase mortgage loans."</p><p>Andrew Montlake, a partner at mortgage broker Cobalt Capital, said few people would take heart from the fact that lending was up month-on-month. </p><p>"You have a double whammy where consumer confidence is shot to bits by a rapidly weakening economy and the mainstream lenders are only accepting 'quality' applicants with big deposits," he said.</p><p>"I hate to say it, but it could be some time before things start to improve."</p><p>Yesterday, the National Association of Estate Agents also reported a slight bounce in the housing market in October, saying its members had sold an average of seven <a href="http://www.guardian.co.uk/money/property">properties</a> each during the month, compared with six in September.</p><p>The percentage of buyers entering the market had also increased, it said, but the number of house hunters on agents' books was down 7% from the previous month.<br /> <br />One of the problems buyers face is the continued shortage of cheap deals. Although many lenders cut their standard variable rates (SVRs) in line with the base rate reduction after <a href="http://www.guardian.co.uk/money/2008/nov/08/rate-cut-mortgages-banks">pressure from the government</a>, they have withdrawn some of their most competitive deals and continue to demand large deposits.</p><p>Financial information firm Moneyfacts said today that despite the 2% fall in the base rate since the start of October, rising margins meant the average rate on a new two-year tracker mortgage had only fallen from 6.29% to 5.11%. </p><p>At the same time, the maximum loan-to-value on tracker deals had been slashed from 90% to 75%.</p><p>Fixed-rate mortgages have started to come down in price, with Abbey cutting its two-year deals last week, and poised to cut rates on its three-year deals by up to 0.5% tomorrow.</p><p>However, <a href="http://www.guardian.co.uk/money/firsttimebuyers">first-time buyers</a> will struggle to benefit from the price cuts as lending is restricted to 75% of the value of a property, and those 75% deals are restricted to a maximum of £150,000.</p><p>Nationwide building society is also cutting the cost of its fixed-rate mortgages tomorrow, with some rates falling by 0.8%. </p><div style="float: left; margin-right: 10px; margin-bottom: 10px;"><ul><li><a href="http://www.guardian.co.uk/money/mortgages">Mortgages</a></li><li><a href="http://www.guardian.co.uk/money/property">Property</a></li><li><a href="http://www.guardian.co.uk/business/mortgagelendingfigures">Mortgage lending figures</a></li></ul></div><div class="guRssAdvert"><a href="http://ads.guardian.co.uk/click.ng/richmedia=yes&site=Money&country=usa&spacedesc=rss&system=rss&transactionID=1227217970616112021532145126"><img src="http://ads.guardian.co.uk/image.ng/richmedia=yes&site=Money&country=usa&spacedesc=rss&system=rss&transactionID=1227217970616112021532145126" border="0" /></a></div><a href="http://www.guardian.co.uk">guardian.co.uk</a> © Guardian News & Media Limited 2008 | Use of this content is subject to our <a href="http://users.guardian.co.uk/help/article/0,,933909,00.html">Terms & Conditions</a> | <a href="http://www.guardian.co.uk/webfeeds/1,,1309488,00.html">More Feeds</a>
Fears over US economy weaken world markets
<div><img alt="" src="http://hits.guardian.co.uk/b/ss/guardiangu-feeds/1/H.15.1/74080?ns=guardian&pageName=Business%3A+Fears+over+US+economy+weaken+world+markets&ch=Business&c3=guardian.co.uk&c4=Global+recession%2CUS+economy+%28Business%29%2CMarket+turmoil%2CWorld+news%2CJapan+%28News%29%2CCredit+crunch+%28Business%29%2CToyota+%28Business%29%2CUS+news%2CShares%2CMoney&c5=Personal+Finance%2CInvestments%2CCredit+Crunch%2CNot+commercially+useful%2CBusiness+Markets%2CUS+Economy&c6=Justin+McCurry&c7=2008_11_20&c8=1120901&c9=article&c10=GU&c11=Business&c12=Global+recession&c13=&c14=&h2=GU%2FBusiness%2FGlobal+recession" width="1" height="1" /></div><p>The increasingly precarious state of the US economy sent stockmarkets into retreat today as Asian markets closed sharply down, with Japan's Nikkei benchmark index falling almost 7%.</p><p>Shares also tumbled in Hong Kong, South Korea and Australia following another plunge overnight on Wall Street, where fears of recession sent the Dow Jones industrial average down 427 points, or just over 5%, to its lowest level for five years.</p><p>Britain's FTSE 100 index was down 90 points at 3915.73 in early trading - a fall of more than 2% - shortly after it opened at 8am, taking it below the 4,000 level. Yesterday it tumbled 4.8%. Other European markets were also in retreat this morning.</p><p>Asia's slide was seen as inevitable after the US Federal Reserve warned that the US economy would contract through the first half of next year, and concern intensified over the fate of the country's top three car markers.<br /><a href="http://www.guardian.co.uk/business/2008/nov/19/citigroup-shares-credit-crunch"><br />Financial stocks were particularly hard hit on Wall Street and Citigroup</a>, once the world's biggest bank, saw more than $9bn (£6bn) wiped off its value yesterday as its shares slumped more than 22% to $6.45, their lowest level since 1995. </p><p>The Dow has plummeted more than 30% since September when the Lehman Brothers bankruptcy started one of the biggest Wall Street sell-offs in history.</p><p>"We've gone past the poor sentiment stage," said Miles Remington, head of Asian sales at BNP Paribas Securities in Hong Kong. "People are looking for any kind of positive and there are just no positives out there. Everyone seems to be united in the depressed global outlook."</p><p>The Nikkei 225 was spooked by new figures showing Japan had registered its second trade deficit in three months as a result of the strong yen and plummeting demand in the key US and European markets for Japanese cars and electronics.</p><p>The Nikkei dipped 570 points to close at 7703, its lowest since it hit a 26-year low in late October. The index has lost 9% this week and 10% since the start of the month.</p><p>Earlier this week <a href="http://www.guardian.co.uk/business/2008/nov/17/globalrecession-japan">Japan announced it had slid into recession for the first time</a> in seven years after posting two consecutive quarters of economic contraction.</p><p>The eurozone and Hong Kong are also in recession, and the US is expected to officially join the list by the start of next year.</p><p>Government figures released today showed Japanese exporters suffered their biggest decline in seven years last month. Exports dropped 7.7 % in October, the biggest fall since 2001. Exports totaled ¥6.93 trillion (£48bn), while imports amounted to ¥6.99 trillion.</p><p>There were double-digit falls in sales of cars and electronics, two mainstays of Japan's export-dependent economy, amid signs that the credit crunch has spread to China, whose huge market helped fuel Japan's nascent economic recovery after 2002.</p><p>"The fall in exports to Asia reflects that their economies are also taking a blow from weakness in developed economies," Takeshi Minami of Norinchukin Research Institute in Tokyo told Reuters.</p><p>The parlous state of Japan's exports has forced companies to slash earnings projections, cut production and lay off workers.</p><p>Isuzu, a leading maker of trucks, said today it would cut 1,400 temporary and part-time workers, while Toyota, the country's biggest carmaker, said it would reduce output at its passenger car in factory due to weakening sales.</p><p>Sharp said it was thinking of cutting production in pivotal products such as flat-screen TVs due to weak demand overseas.</p><p>More than half of Japanese companies have cut their profit forecasts over the past two months, according to the Shinko Research Institute.</p><p>Shares in Japan's megabanks and electronics makers were among the biggest victims of global recession fears.</p><p>Mitsubishi UFJ, which suffered a 61 % decline in second-quarter profit, lost 6.1% to close at ¥480, while Sumitomo Mitsui shed 10.4% to ¥281,500.</p><p>Canon fell 7% to ¥2,610, Panasonic by 7.7% to ¥1,350 and Sony by 6.4% to ¥1,826.</p><div style="float: left; margin-right: 10px; margin-bottom: 10px;"><ul><li><a href="http://www.guardian.co.uk/business/globalrecession">Global recession</a></li><li><a href="http://www.guardian.co.uk/business/useconomy">US economy</a></li><li><a href="http://www.guardian.co.uk/business/marketturmoil">Market turmoil</a></li><li><a href="http://www.guardian.co.uk/world/japan">Japan</a></li><li><a href="http://www.guardian.co.uk/business/creditcrunch">Credit crunch</a></li><li><a href="http://www.guardian.co.uk/business/toyota">Toyota</a></li><li><a href="http://www.guardian.co.uk/world/usa">United States</a></li><li><a href="http://www.guardian.co.uk/money/shares">Shares</a></li></ul></div><div class="guRssAdvert"><a href="http://ads.guardian.co.uk/click.ng/richmedia=yes&site=Business&country=usa&spacedesc=rss&system=rss&transactionID=1227217970625112021532145126"><img src="http://ads.guardian.co.uk/image.ng/richmedia=yes&site=Business&country=usa&spacedesc=rss&system=rss&transactionID=1227217970625112021532145126" border="0" /></a></div><a href="http://www.guardian.co.uk">guardian.co.uk</a> © Guardian News & Media Limited 2008 | Use of this content is subject to our <a href="http://users.guardian.co.uk/help/article/0,,933909,00.html">Terms & Conditions</a> | <a href="http://www.guardian.co.uk/webfeeds/1,,1309488,00.html">More Feeds</a>
Growing numbers avoiding or delaying paying tax
<div><img alt="" src="http://hits.guardian.co.uk/b/ss/guardiangu-feeds/1/H.15.1/87508?ns=guardian&pageName=Politics%3A+Growing+numbers+avoiding+or+delaying+paying+tax&ch=Politics&c3=guardian.co.uk&c4=Tax+and+spending%2CTax+%28Money%29%2CPolitics%2CMoney%2CUK+news%2CIncome+tax%2CBorrowing+and+debt&c5=Personal+Finance%2CNot+commercially+useful&c6=David+Hencke&c7=2008_11_20&c8=1120473&c9=article&c10=GU&c11=Politics&c12=Tax+and+spending&c13=&c14=&h2=GU%2FPolitics%2FTax+and+spending" width="1" height="1" /></div><p>Growing numbers of people and businesses are avoiding or delaying paying taxes as the "credit crunch" bites, the National Audit Office says in a new report.</p><p>The increase comes against the background of a doubling of consumer debt leading to people avoiding paying their tax bills, says the report.</p><p>The auditors estimate that up to 1.5 million working adults had a personal or business tax debt in April this year - and expect the figure to rise. The total number of debts has already risen by 22% over the last year - from 13 million to 15.8 million. </p><p>Pay-as-you-earn receipts accounted for 32% of the debt, VAT accounted for 27% and self-assessed income tax for 21%.</p><p>The report, published yesterday, warns that HM Revenue and Customs is unprepared to tackle the problem, having cut its number of staff handling debt by 14% to 6,200 since 2006. </p><p>Revenue & Customs has also decided to target the largest sums owed to the tax authorities regardless of whether there is any prospect of getting the cash. As a result many of the smaller debts are not being chased up, which has led to the big jump in numbers in debt to the department.</p><p>The auditors criticise Revenue & Customs for ignoring recommendations made by MPs on the Commons public accounts committee four years ago. It has not, as MPs suggested, introduced risk profiles on taxpayers to target those who could be bad payers and tailored debt collection to get the money. </p><p>It also has no measurements of how long it is taking to recover debts or the best methods of doing so. It has implemented some recommendations, including allowing people to pay by direct debit and credit card, and providing more information to debtors.</p><p>But it is concentrating on getting more legal powers to pursue debtors while planning further cuts in staff by 2011 to save another £217m. Other activities have been given priority. </p><p>Edward Leigh, the chairman of the Commons public accounts committee, said: "HMRC has failed to adopt key techniques used by other organisations to improve how they manage debts owed to them. If the department had introduced such measures, then it would be better placed to tackle what will surely become a more pressing problem in the present economic climate.</p><p>"It is difficult not to ask some fundamental questions. How will HMRC manage what is very likely to be a growing volume of tax debt? How will the department maintain the flow of money to the exchequer? And how will HMRC identify and support those poor and vulnerable people owing tax who need time to pay?"</p><div style="float: left; margin-right: 10px; margin-bottom: 10px;"><ul><li><a href="http://www.guardian.co.uk/politics/taxandspending">Tax and spending</a></li><li><a href="http://www.guardian.co.uk/money/tax">Tax</a></li><li><a href="http://www.guardian.co.uk/money/incometax">Income tax</a></li><li><a href="http://www.guardian.co.uk/money/debt">Borrowing & debt</a></li></ul></div><div class="guRssAdvert"><a href="http://ads.guardian.co.uk/click.ng/richmedia=yes&site=Politics&country=usa&spacedesc=rss&system=rss&transactionID=1227217970631112021532145126"><img src="http://ads.guardian.co.uk/image.ng/richmedia=yes&site=Politics&country=usa&spacedesc=rss&system=rss&transactionID=1227217970631112021532145126" border="0" /></a></div><a href="http://www.guardian.co.uk">guardian.co.uk</a> © Guardian News & Media Limited 2008 | Use of this content is subject to our <a href="http://users.guardian.co.uk/help/article/0,,933909,00.html">Terms & Conditions</a> | <a href="http://www.guardian.co.uk/webfeeds/1,,1309488,00.html">More Feeds</a>
Our digital addiction: 727 hours surfing, 27 phoning and 972 texts
<div><img alt="" src="http://hits.guardian.co.uk/b/ss/guardiangu-feeds/1/H.15.1/13911?ns=guardian&pageName=Technology%3A+Our+digital+addiction%3A+727+hours+surfing%2C+27+phoning+and+972+texts&ch=Technology&c3=The+Guardian&c4=Technology%2CBusiness%2CMobile+phones+%28Technology%29%2CInternet%2CInternet%2C+phones+and+broadband%2CDigital+media%2CMedia%2COfcom%2CConsumer+affairs+%28Money%29%2CMoney&c5=Personal+Finance%2CDigital+Media%2CBusiness+Markets%2CMedia+Weekly%2CTechnology+Gadgets%2CCorporate+IT%2CConsumer+Electronics&c6=Richard+Wray&c7=2008_11_20&c8=1120839&c9=article&c10=GU&c11=Technology&c12=Mobile+phones&c13=&c14=&h2=GU%2FTechnology%2FMobile+phones" width="1" height="1" /></div><p>In the heyday of rock music, no stadium gig was complete without a slow number that prompted the crowd to hold aloft their cigarette lighters to create hundreds of flickering points of light. Now the same effect is created by hundreds of people holding up their mobile phones as the audience takes photo after photo to prove they were there.</p><p>This is most likely to occur in the UK as the British use their mobile phone as a camera more than anyone else. They are also among the world's fastest adopters of social networking sites such as Facebook and Bebo, posting the subsequent photos or at least updating their status to relate how great the gig was, as a way of keeping in touch with an ever-expanding and ephemeral collection of "friends". </p><p>The British love of camera phones, social networking and even digital video recorders and digital televisions - there are more per capita in the UK than anywhere else, even the US - is revealed in research by the communications regulator Ofcom published today. It paints a picture of an increasingly tech-literate nation, with a strong desire to keep in touch, that is now spending almost twice as long on the internet as it did in 2004.</p><p>Prof Simeon Yates, director of the Culture, Communication and Computing Research Institute (C3RI) at Sheffield Hallam University believes that British consumers - especially younger ones - have wrapped the mobile phone into their lives in a way that is less pronounced in other countries. </p><p>"One of the things that is becoming clear is that for a lot of reasons British people, especially those under the age of say 40, have got used to using their mobile phones for communication, whereas in the US they are used to using their computer and in Japan they still use their phone in a different way." </p><p>The Japanese, for instance, are hindered by their language which makes composing a text message a rather cumbersome process. Many Americans, meanwhile, grew up with free broadband access, as it came bundled with cable television.</p><p>In the UK, the ubiquity of mobile phones has accompanied the explosion in social networking. Despite their reputation as being reserved, the British seem more and more willing to share everything online. Ofcom's latest International Communications Market report shows that 50% of British internet users access social networking sites, up 11 percentage points on last year and second only to Canada. </p><p>Increasingly, Britons use mobile phones to tell friends what they are up to. "For an awful lot of people, the mobile phone is core to maintaining their relationships with people," says Yates. "They are trying to maintain very large but slightly ephemeral social networks, which are bigger than the networks we used to try and maintain, and one way to do that is to send little moments of contact: 'here's a picture of me at a concert', for instance, and it does not require any conversation to follow."</p><p>The sheer size of the US market means it tops the global league for doing this - with 4 million Americans regularly accessing social networking sites on their phones - but the UK is in second place.</p><p>The Ofcom report shows there were 121 mobile phones for every 100 people in the UK last year, the second highest market penetration among the world's seven top economies - excluding China - after Italy at 154%. Italians regularly have one pre-pay phone for work and one for personal use while 40% of households in Italy have no fixed line at all, compared with about one in 10 in the UK.</p><p>Britons used those phones to make a total of 99bn minutes of calls last year, compared with 52bn in 2002, and send an average of 972 texts each, up from 708. American mobile phone users topped the calling league with 2.1 trillion minutes last year, but Irish mobile phone users sent the most texts, composing 1,848 each, or 154 a month, up from 118 a month in 2002.</p><p>Asked whether they use their mobile phone as a camera, 59% of Britons surveyed by Ofcom said they do, compared with 58% in Italy and 52% in Japan. </p><p>The dramatic growth in mobile phone use helped the global communications market grow 6.1% last year, to £876bn. </p><p>The report also shows that British internet users are spending more and more time online, currently 839 minutes a week, up from 385 minutes in 2004. British internet users are only outpaced by their American counterparts who now spend 913 minutes a week glued to their screens.</p><div style="float: left; margin-right: 10px; margin-bottom: 10px;"><ul><li><a href="http://www.guardian.co.uk/technology/mobilephones">Mobile phones</a></li><li><a href="http://www.guardian.co.uk/technology/internet">Internet</a></li><li><a href="http://www.guardian.co.uk/money/internetphonesbroadband">Internet, phones & broadband</a></li><li><a href="http://www.guardian.co.uk/media/digitalmedia">Digital media</a></li><li><a href="http://www.guardian.co.uk/media/ofcom">Ofcom</a></li><li><a href="http://www.guardian.co.uk/money/consumeraffairs">Consumer affairs</a></li></ul></div><div class="guRssAdvert"><a href="http://ads.guardian.co.uk/click.ng/richmedia=yes&site=Technology&country=usa&spacedesc=rss&system=rss&transactionID=1227217970639112021532145126"><img src="http://ads.guardian.co.uk/image.ng/richmedia=yes&site=Technology&country=usa&spacedesc=rss&system=rss&transactionID=1227217970639112021532145126" border="0" /></a></div><a href="http://www.guardian.co.uk">guardian.co.uk</a> © Guardian News & Media Limited 2008 | Use of this content is subject to our <a href="http://users.guardian.co.uk/help/article/0,,933909,00.html">Terms & Conditions</a> | <a href="http://www.guardian.co.uk/webfeeds/1,,1309488,00.html">More Feeds</a>
Bank of England sends out clear message that interest rates to be cut again next month
<div><img alt="" src="http://hits.guardian.co.uk/b/ss/guardiangu-feeds/1/H.15.1/97823?ns=guardian&pageName=Business%3A+Further+rate+cut+likely+after+MPC+minutes+reveal+unanimous+vote&ch=Business&c3=The+Guardian&c4=Interest+rates+%28Business%29%2CInterest+rates+%28Money%29%2CEconomics+%28Business%29%2CBusiness%2CMoney%2CBank+of+England+%28Business%29&c5=Personal+Finance%2CCredit+Crunch%2CBusiness+Markets%2CProperty+Mortgages+and+Interest+Rates&c6=Larry+Elliott&c7=2008_11_20&c8=1120808&c9=article&c10=GU&c11=Business&c12=Interest+rates&c13=&c14=&h2=GU%2FBusiness%2FInterest+rates" width="1" height="1" /></div><p>The Bank of England sent out a clear message yesterday that interest rates would be cut again next month when it revealed that the monetary policy committee considered reducing borrowing costs by more than the 1.5 percentage points it announced this month.</p><p>Minutes of the MPC's November meeting showed that Threadneedle Street believed "a very significant reduction in [the] bank rate - possibly in excess of two percentage points - might be required" to prevent inflation falling below the government's 2% inflation target.</p><p>The doveish tone of the MPC minutes, coupled with a warning from the CBI that factories expect to cut output over the next four months at a rate not seen since the early 1980s, left the City convinced that interest rates would be cut by at least 0.5 point from 3% next month. City economists think that the bank rate may even come down to 2% - equalling the lowest it has been in the Bank's 314-year history.</p><p>In deciding unanimously for a 1.5 percentage point cut, the Bank said it wanted to see the size of Alistair Darling's tax and spending boost to the economy in next week's pre-budget report before assessing the required scale of further easing of monetary policy. The MPC also said it wanted to see whether October's coordinated efforts to shore up the banking system had increased the flow of credit and was concerned that a bigger reduction in the bank rate would scare the City. "Too large a surprise could pose upside risks to the inflation target if the resulting depreciation of sterling was excessive."</p><p>Apart from the emergency cut in interest rates on the day after Black Wednesday in September 1992, this month's move was the most aggressive since the early 1980s. The minutes revealed that the MPC was concerned the markets would think it had gone soft on inflation and wanted to leave some of the easing of policy until after it had had the chance to explain its view that the financial turmoil this autumn had markedly changed the outlook for prices.</p><p>Some MPC members also thought there was an argument for the Bank reserving some of its fire power so that it would be able in "the months ahead to support confidence as the economy weakened".</p><p>David Kern, chief economist at the British Chambers of Commerce, said: "The latest MPC minutes confirm a radical change in attitude. As demand prospects in the economy have deteriorated and inflation is set to plunge well below target, the MPC correctly acknowledge the need for sharp interest rate cuts.</p><p>"Businesses are now facing acute pressures in the face of a worsening recession. We urge the MPC to persevere with a forceful line, and cut rates to 2.5% in December," he said.</p><p>The CBI's monthly snapshot of industry showed that manufacturers are planning to retrench after seeing demand plummet. Seeing no positive effects from the recent sharp depreciation in the value of the pound, firms said the weakness of domestic and export order books was forcing them to plan production cuts.</p><p>Capital Economics, a forecasting and consultancy firm, said that if the survey was accurate there was a risk of a double-digit fall in manufacturing output next year - in line with the drop seen in the deep recession of 1974-75.</p><p>The CBI found that only 14% of firms expected to raise output over the next four months, while 56% planned to cut production. That left a balance of -42 points, the lowest since 1980. Order books edged up slightly from October but remained at their weakest for five years. Companies have also amassed large stockpiles of unsold goods, with a balance of +25 points reporting that their inventories were more than adequate to meet expected demand.</p><p>"The survey provides yet more evidence that the downturn in activity is not confined to the financial, construction and retail sectors," said Paul Dales, UK analyst at Capital Economics. He added that the forecast for factory production was "consistent with output falling by around 10% per annum compared to the current rate of decline of 2%. This would be a larger drop than the 7% drop seen in the early 1990s and similar to the 12% drop in the 1974-75 recession." </p><p>The biggest post-war slump in manufacturing occurred in 1980 and 1981, when output fell by about 25%.</p><div style="float: left; margin-right: 10px; margin-bottom: 10px;"><ul><li><a href="http://www.guardian.co.uk/business/interestrates">Interest rates</a></li><li><a href="http://www.guardian.co.uk/money/interestrates">Interest rates</a></li><li><a href="http://www.guardian.co.uk/business/economics">Economics</a></li><li><a href="http://www.guardian.co.uk/business/bankofenglandgovernor">Bank of England</a></li></ul></div><div class="guRssAdvert"><a href="http://ads.guardian.co.uk/click.ng/richmedia=yes&site=Business&country=usa&spacedesc=rss&system=rss&transactionID=1227217970646112021532145126"><img src="http://ads.guardian.co.uk/image.ng/richmedia=yes&site=Business&country=usa&spacedesc=rss&system=rss&transactionID=1227217970646112021532145126" border="0" /></a></div><a href="http://www.guardian.co.uk">guardian.co.uk</a> © Guardian News & Media Limited 2008 | Use of this content is subject to our <a href="http://users.guardian.co.uk/help/article/0,,933909,00.html">Terms & Conditions</a> | <a href="http://www.guardian.co.uk/webfeeds/1,,1309488,00.html">More Feeds</a>

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