Category Archives

Archive of posts published in the category: money

Things to Look for When Going a Motorcycle Repair School

A passion for motorcycles is a basic requirement for being a successful motorcycle mechanic. In fact, most motorcycle mechanics started their career simply as a hobby. They were motorcycle lovers who were toying with their bikes to make them run more smoothly until they realized that they could earn money doing something they enjoy. Some of them work in repair shops equipped with their own personal experience in motorcycle repair while others further their knowledge and skills by enrolling in a motorcycle repair school. Being a motorcycle mechanic is meticulous work and it can be tough knowing that a rider's life depends very much on one's skills.

When equipment breaks down, a mechanic is responsible for diagnosing the source, nature, and extent of the problem. A highly skilled mechanic is able to diagnose mechanical, electrical, and fuel problems and to troubleshoot quickly. To be able to quickly and accurately diagnose problems is a mark of an expert mechanic and this is also an exhibition of their great problem solving ability, as well as their comprehensive knowledge on how the equipment operates.

A mechanic's job also includes minor tuning or replacement of a single part of the motorcycle. They may also be asked to perform complete engine overhaul, although this job could take many hours as they need to take down the engine and replace defective valves, bearings pistons, and other interior parts. Those who are highly skilled utilize specialized machineries and the most advanced computerized equipment to adjust and tune motorcycles, especially those that are used for racing.

To qualify for a trainee mechanic position, some employers prefer applicants with a high school diploma or the equivalent, but there are also some who accept those with less education as long as they exhibit satisfactory reading, writing, and math abilities. However, due to the growing complexity of motorcycles, those with a diploma or a certificate from a formal training program in motorcycle repair have more employment opportunities. This is why enrolling in a trade school or institute to be a certified motorcycle mechanic could be a wise decision.

Would-be motorcycle technicians can either opt for a technician diploma or an associate degree in applied science or mechanics. By attending a trade school, a student will receive the needed job training and basic credentials to be a motorcycle mechanic. After completing this program, he will be certified as a trained technician in this field.

Meanwhile, the associate degree is designed for mechanisms to earn the educational qualifications that match the needs of their profession. The program can be completed within one or two years. Courses taught in an associate degree include math, basic management, human relations, infrastructure and resources, and hands-on experiences such as disassembling, assembling and overhauling of motorcycle equipment. Online courses are available for those who can not manage to attend an on-campus program.

Because there are many schools that offer motorcycle repair classes, it is important that prospective students choose a school that can develop their full potential and …


You Can Be A Successful Affiliate Marketer And Make Money Online

Affiliate marketing is a way to earn a commission by selling someone else's product. It is one of the quickest and easiest ways to earn money online. Most of the time, you receive 50% -75% commission on every item you sell. There is even the potential to earn a residual income depending on what type of offer you are promoting.

Being an affiliate has many benefits.

• There is no need for you to create a product, or design the website.

• You do not need to worry about the marketing, ordering, billing and delivery

• If you send visitors, and they purchase the product, you get paid.

That also leads to the hardest part of affiliate marketing, getting traffic. There are many techniques and ideas, but your main goal should be to keep the visitors so you can send offers to them for as long as you can. This is what is referred to as "list building". This requires time and effort but it is worth every minute you invest.

Article writing is another powerful way to get a lot of generalized traffic. This also takes time and effort, but the results that you can receive is also worth the time. Writing a good article will add credibility to your site as long as you remember a few tips.

There are two main parts of an article. The first is the article itself and the other is the resource box. The article needs to be focused on the topic, or product. It is also important to use keywords throughout the article, but not too many or it becomes "spammy". You do not want to use too many URL's in the article. This is used in the resource box.

The resource box is used to tell information about the writer and is located at the end of the article. It is just as important as your article, and includes a lot more than just the author's name. Therefore, having a well written, informative resource box should be a priority to your article.

Your name is very important, because in time, with more articles under your belt, you will become known in "article circles". You need to include a short sentence about you and the product. It needs to be unique and make the readers want to keep reading.

The call to action is important because it is what leads your readers to the URL. Make sure to include valid, up-to-date contact information. It helps with the integrity of the article.

Writing a great article will give you the opportunity to earn a basic living with internet marketing. It gets you high rankings in search engines as your articles get posted on other websites allowing many others to benefit from your knowledge. …


Tips For Keeping Car Insurance Rates Low

Aside from avoiding being in an accident, there are ways in which car insurance rates can be kept low. However, you sometimes have to be the vigilant one when it comes to finding ways to keep your rates low. In other words, you have to remake the car insurance company that there has to be some way within their system that will allow you to keep a few more bucks in your pocket. This is usually what prompts them to look and see what it is they can do for you, especially if you tell them that another company has got a knockout deal that you would love to take advantage of. That will usually get them up on their toes and make them look for a solution for you.


Insurance companies have discount programs for individuals who meet certain criteria. These discounts can usually save around 10% on a policy and they can be stacked. What that means is that multiple discounts can be applied to the same account. Now you¡¯re probably wondering how the insurance companies can still insure a vehicle if the policyholder qualifies for so many discounts. Well, that is their secret, but the truth is that they do have these things to help you save money. Many people take advantage of them and many fail to. It is not because the insurance company does not want their policyholders to save money. Sometimes they simply do not think about it when the policy is being opened. If they do mention certain discounts to you, they still may not be listing them all.

Below is an example of some of the discounts you can take advantage of:

o Good student discount: This discount applies to college students who maintain a certain grade point average. If you are a parent with a teen driver on your insurance, you can also use this to save some money. You simply bring in grade reports every quarter or semester. Grades have to remain satisfactory in order to keep the discount. If grades drop, the discount is lost. If they go back up, the discount can be reinstated.

o Multi-line discount: This is when you have more than one policy on your account. You may have your homeowner's insurance, life insurance, and car insurance on the same account. Then again, you may have more than one car on your auto insurance and a life insurance policy. The combinations can go on and on and usually involve up to three accounts.

o Automatic debit: This is when you authorize the insurance company to take your payment out of your checking account at the same time each month. This usually saves a few bucks each month.

Common sense

As stated before, maintaining a good driving record can keep car insurance rates low. You can also keep your rates low by not buying new cars for teenagers in your home. You can also be mindful of the insurance rates on any new cars that …


Sending Money To Russian Women

You will receive requests for you to send money. If you do not know the women well, or if you do not feel good about it, do not send money. If money is all she is after, what kind of relationship do you have with her anyway?

Generally speaking, the only money I sent was to people who did not ask for it. My future wife wrote to me, after several months of correspondence, that she was having a terrible time.

The company she was working for had not paid her for several months. There was no heat in the building at the end of winter. Her mother was in the hospital. She was upset and depressed.

I sent her two hundred dollars. She wrote back saying she was upset with me. She said she did not write these things to get money from me – only so that I would understand about her life.

I told her I sent the money to her because I wanted to help her. She said she was going to put the money in the bank for when I arrived.

When I arrived she had the money, but she had used a little of it to buy a nice outfit. Every Russian woman I know, who had money sent to them, spent at least some of it for nice clothes.

You may be sending money for her to take English lessons, but I guarantee some of that money will end up hanging in her closet. Do not fret about it. You have made her very happy. She is only doing it to feel good about herself and to make herself attractive for you.

In short, if you like her and have established a relationship with her, show her you care. Send her presents. Buy her things she can use. Every woman wants you to show her she is special. Do not be a miser or a fool. Use your judgment.

If you are sending money, send it to Western Union.

Do not send money in the mail. It will not get there. I guarantee it. Send the money to be paid in US currency. US currency is more valuable than local currency and she can convert it into local currency at a better rate than Western Union will give her.

Take care in spelling her name exactly. The Western Union bureaucrats in Russia love to send people away for the slightest reason. You will need to send her the identification number on the wire transfer for her to claim the money.

She will also need to know the exact amount you are sending. Make sure the person receiving the money has proper identification or they will not give it to them.

One distressing piece of information is that Belarus was 'taxing' wire transfers at a rate of 9.5% prior to January 1, 2005. As of January 1, 2005, they are now taxing 100%. What this means is none of the money you wire transfer …


Do You Work for Money or Send Money to Work for You

Unless you were lucky enough to be born into a family that has a large amount of money, then chances are you will have to work for money at some point in your life. You will earn a salary or hourly wage and you will use that money to pay your way in the world. But ever, you will want to stop working and enjoy a retirement age. And if you have been wise and put your money to work for you, then you can often reach that time of relaxation much earlier.

Of course, not every situation is the same. Some people may have specific goals for which they are saving in addition to their basic retirement expenses, such as sending a child to college or buying a second vacation home. You may have a pension from your work, or you may be on your own when it comes to retirement expenses. Taking into consideration the fact that life expectancies are increasing all the time, and you may find yourself needing to plan for a greater period of time than you may think. So having your money start to work for you at an early age will pay out more and for a longer period of time in your future.

How is this so? Well, in part, as we discussed in the 'Get Rich Slowly' article, investing your money allows you to stay ahead of the depreciation of money's value and earn some return on your investment as well. But there is also the fact that interest compounds over time, adding to your earnings without you having to lift a finger. As an example, let's say that you were to invest $ 1.00 today and the annual interest rate or rate of return of the investment is 8%. That means that in one year, you will have $ 1.08 in the account. If you leave that money where it is, at the end of the year you will have earned interest on not only your original $ 1.00, but on the previous year's interest as well, giving you about $ 1.17. This compound interest will continue, year after year. But imagine that instead of $ 1.00, it's $ 100, $ 1,000 or even $ 10,000 that you start with and you can see the value over time.

Of course, this is only one possible way to invest. Most of us do not have $ 10,000 to invest from day one. Instead, we will be building our savings over time. We may start with $ 100 a month, added each month over the years. You can still reach a significant savings, but it will simply take more of your own money to get there. This is called an 'accumulation annuity,' and you can use calculation tables available from your investment broker, bank or online to figure out exactly how much money you will need to invest regularly in order to reach your goal. But to give you an idea; if …


Taking Advantage Of The PDIC Insurance

The Philippine Deposit Insurance Corporation or PDIC guarantees every bank depositor that their deposit is insured if and whenever a bank goes under up to a deposit of P250,000 or its equivalent in dollars. How do we take advantage of this? By investing in rural banks and thrift banks that offer interest rates far beyond what current and more well know commercial and savings banks are offering.

In our present business environment, loan rates have taken a big dive down which means those looking to take out a loan whether being it housing, car, equity or personal loans are at an advantage in our current situation. But since loan rates have gone down, deposit rates have also taken a big nose dive. Top commercial banks have already taken steps to reduce a normal savings account rate from the previous 1% pa to 0.75% pa and time deposit rates are at an all time low. Even savings banks have adopted this trend of lowering rates. Bad news for retirees and people who rely on time deposit interest to pay for their monthly expenses such as food, utilities and other expenses.

This is where investing in rural banks and thrift banks becomes very attractive. Some offering as high as 16% pa or double your money in 6 years in which monthly interest rates are credited to a savings account which can be withdrawn anytime. But before you go rushing out and placing your entire life savings in these banks be warned. Most of these banks have names you probably have never heard before like rural bank and thrift bank of so and so, usually a name of a city or province in the Philippines. And these banks have a high risk of going under. This is where the PDIC insurance of P250,000 comes in handy.

Having experienced getting my money from PDIC, from banks that have closed before. I'm in the position to say that the trouble is worth the returns you are getting. I got my money from a closed bank in about 2 weeks from PDIC. Just make sure your total deposit at any given time in a thrift or rural bank does not exceed 250k. If you have lots of money do not forget to diversify them in different thrift and rural banks, each not exceeding the PDIC limit. And make sure that the banks you are depositing into are really PDIC insured which can be verified by a quick phone call or by visiting the PDIC website. Lastly, read lots of news papers or browse the website of the PDIC to keep yourself up to date on what is the current state of the banks you have your money deposited in. …


Manage Your Money Flow

Managing your money flow is the second step of building your financial house. It is like building the frame that the rest of the home will be built around.

The concept of managing your money flow is basically making sure that your inflow of cash is less than your outflow of cash. This process is called budgeting. When you create and follow a budget, you are living within your current means and you will avoid accumulating new debt.

When you take the time to create and follow a budget, you begin to see where your money goes each month. Armed with that knowledge you can cut back on some of those wasteful spending habits and free up money to start moving towards your goals.

Managing Your Money Flow Will Help You Reach Your Financial Goals

When you follow a budget, you can allocate money to reaching your financial goals. Maybe you want to save for things like retirement or a down payment on a house. Perhaps you want to start saving money to start that business you’ve been dreaming of. When you follow a budget, you have a plan to get where you want to go. When you have a goal and plan to reach that goal, your chances of getting there are exponentially increased.

Managing Your Money Flow Will Prepare You for Future Wealth

If you are always running out of money with your current income, chances are that you will have the same problem even if you earn more. Statistically, the more money you earn, the more money you’ll spend. This is called Parkinson’s Law. If you do not learn to manage what you have now, earning more money will not solve the problem.

Don’t be fooled by appearances. Many of those high income earners are broke. All of their income is going to pay for their big mortgage, the credit card bills, and the car loans. They are just broke at a different level.

Managing Your Money Flow Will Teach You Discipline

Wealthy people understand the importance of managing their money. They exercise self-discipline and they save up for purchases and earn interest on their savings while they do it. Broke people tend to go for instant gratification and buy things on credit. Often, whatever they buy ends up costing them twice as much by the time they finish paying for the credit card bill.

In the long run, saving up for purchases will actually allow you to buy twice as much stuff compared to buying with credit.

Alternatively, you could have the same amount of stuff, plus build up a big investment account on the side with all the money you save by not paying interest on debt.

Managing Your Money Flow: Conclusion

Over the years of working in the financial industry I have actually met a lot of low income earners that had higher net worths than many doctors and lawyers. This is simply because they managed their money well and allocated a portion each …


Looking For A Great Way To Show You Are An Expert In Your Field?

Potential customers are looking for you on the internet. Will they find you? When they find you, will they know that you are an expert at what you do? Do you have more than one area of ​​expertise? Having too many keywords on a single site can be counter productive. Here are some ideas for presenting your business without confusing your prospect.

Set up a separate website with a URL that includes the area of ​​expertise or keywords you want to optimize. This does not have to cost a lot of money or involve your web master. Use a blog and host it on a separate server (Host Gator is great for this purpose) so you can use your own domain name. For example, if you are an attorney, you could use estate planning.

Once you have created the blog, load it up with information about estate planning. Add articles, links to whitepapers, checklists etc. If this is not material you have created, be sure and get the author's permission for creating a link to their material. On your home page add a banner ad for your businesses. Be sure and list ways for your readers to contact you including a link to your website.

If you have more than one area of ​​expertise, create a blog site for each area. For example if you or others in your office specialize in real estate closings, create a separate blog site. Use your keywords – do not forget to localize your keywords by adding your city, county or state to the keyword.

Why does this work?

Because the site is content rich and focuses on a narrow topic that is keyword rich – the search engines will naturally rank your site higher when those keywords are used for searches. Keep in mind that one key factor in ranking is keyword density. This means the number of times your keyword is used on any given page. The rule of thumb is that 2-3% of your page should be keywords.

When your site does come up in the top rankings, the content makes it far more reliable than a generic website. You are demonstrating that you are the "go to" person in this field.

By placing an ad on the home page, you are showing that you are the expert in this area and the person to contact when the reader resonates with what you have written.

What you are looking for is search engines will rank your site higher and the creditability of the site will get your readers to click through. Once they are on your site, they will research the topic and then click on your banner advertisement. …


Outstanding Details About How To Charge Personal Air Coolers

If you are wondering about how to charge air coolers, then here is a simple solution. The air coolers can be charged with batteries that make the coolers work effectively. Make sure that you keep the batteries cooler when you are charging them so that it can be used faster again. The coolers can be best charged with a specific battery that implements patented new air-cooled charging technology in the coolers. This system enables the battery to automatically get cooled down during the charging process.

The natural process of charging ensures that the batteries will get heated up when it has already worked for sometime, thereby preventing immediate and effective recharge of the batteries. This was a disadvantage evident in the batteries used previously to charge the air coolers. So a thorough research was conducted and the modern battery was discovered that helped in the charging of the air coolers in an effective way. You can charge your air coolers with these batteries as they help in quick charging and immediately make re-charging of the air coolers possible.

How does the battery work?

The charging process connected by the batteries is hi-tech and so the coolers get effective charging. The charging occurs through an array of ducts present in the battery and for a fan present in the interiors of the charger that draws in cool air from the nearby spaces through the battery cells and then out of the charger. The charging process by these batteries, so, gets 30% quicker and the batteries also last longer. This significantly saves your time as you can avoid the problems of waiting for your batteries of your air cooler to get charged.

Another outstanding feature of the air cooler chargers is the refresh button function that automatically brings the performance-impairing unbalanced charge levels of the cells back into one line. However, this cell-balancing system should be connected once in every two weeks when it is heavily used and once a month when the coolers are moderately used. These batteries can offer power ranging from 12 V! In conjunction with Li-Power technology to the coolers while it is getting charged. So these batteries are the most effective air cooler chargers for all.

Other Batteries for Charging your Air Cooler

If you use your air cooler on less frequent intervals, then you can take the help of other charging batteries to charge the air coolers. These batteries allow the air cooler to get charged for an extended period of 15 minutes right after a power cut. You can conveniently use these batteries in any of the air cooler models and they promise 30 to 80 hours of constant cooling process. That saves your money and power to a great extent. These are more commonly known as back-up system batteries that not only charge the air coolers conveniently but also make a big difference in your comfort level and budget matters. …


Making the Most of Your Car Insurance

Many drivers have car insurance policies as a requirement and for vehicular protection. However, many people are not utilizing their policies to receive the greatest benefits possible. This may sound hard to believe since so many people complain that car insurance is so expensive, but this is the reality. Drivers are not utilizing their car insurance to make it more affordable and worthwhile to own. By understanding your insurance policy better you can begin to really benefit from your car insurance.

One of the first ways to make the most of your car insurance is to seek out discounts. If you have not already asked about discounts for car insurance you should! Most insurance companies offer a variety of discounts. Many drivers with good records get great discounts for car insurance. Likewise, if you are trying to insure a teenager tell them to keep their grades up. There are some insurance companies that offer discounts to students who excel in school. If you have a particular professional or college affiliation such as being a part of a nurse's union or you are employed as a police officer you may be eligible for deducted auto insurance. In addition, many people who own homes or have apartments and have homeowners or renters insurance may be able to receive insurance at a discounted rate by applying for a second policy specifically for car insurance. There are plenty of discounts to be had from your auto insurance company if you do some research.

An additional way to benefit from your auto insurance is to review your coverage. It is in the best interest of all drivers to periodically review their car insurance coverage. There are some drivers that are paying more than than they should for car insurance because they are over insured. This does happen especially when the car is very old and would have considered a total loss if damaged. Instead of paying for collision for a 15 year old car dropping this protection will help save some money. Take the time to access coverage needs for all of your vehicles.

Finally, save money on your policy by paying more on your owed and paying in full. Some people choose a low deductible because it is inexpensive for the moment, but unfortunately this really does cost more in the long term. Paying more on the auto insurance deductible will decrease the amount you owe on the policy overall that making your payments a lot less! Likewise, drivers should try to pay for their car insurance policy in full whenever they can. Insurance companies usually offer discounts when customers pay for their insurance in full instead of paying monthly. The savings can add up!

Thus, getting the best from your auto insurance simply takes the willingness to do a little research to find the best deals, coverage and payment plans that are right for you. …