Category: Money

Apple iCloud Storage Trap Never Ending Subscription

Is Apple iCloud Storage a Trap, We think so. Apple makes it seem easy “It just works” and you do not have to do anything ales it does it automatically. But if you set it up and forget about it you are at risk that your backup may not be working or you don’t have any space left. It forces you to upgrade or delete you data. Problem is that almost all ISP have monthly data download Cap that is about 500GB per month. Not to mention that it would take forever and a day that is if your ISP does not turn off your internet or at least slows it down. Worst part it that is 2TB $9.99 a month.

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Why Not To Order Flowers Online – Proflowers vs. Florists

wpid-img_2444.jpgWhy Not To Order Flowers Online – Proflowers vs. Florists

When it comes to getting flowers for your loved ones it seems like ordering online will save you few bucks but at the end you will be more satisfied with flowers purchased from a Local Flower Shop. I always advice to shop online for best deals but when it comes to flowers you may not get what you pay for.

The two of the biggest reasons to buy local:

  1. You see exactly what you are buying.
  2. You support your local businesses; most flowers sold online are imported from other countries.

Whether it is a Birthday, Holiday or Valentine Day, many of us buy flowers for family, friends or loved ones. Many of us shop at a local floral store and some just like me, had ordered their flowers online. Right before e Valentine’s Day I ordered 2 Dozen Roses from  I am sure by now you heard their ad on the radio or even received emails from them promising great looking flowers and a bargain price. Compared to other Online and local businesses it appears to be a better deal. Unfortunately once you have chosen your flowers that you wand the ordering process begins as well as additional costs and fees. does offer lower prices at first, but there are additional cost that follow.

In my case I ordered Two Dozen Long Stemmed Valentine’s Roses with Cherry Red Vase for $39.95. Then came standard delivery of $12.99 that apples to deliveries that are made 3 days before or after Valentine’s day, Deliveries made on Valentine’s day are up to $30.00. After that we have $2.99 Care & Handling as well as state tax. My total came to $50.15 which compared to the same flowers at my local Flower store is only $6.00 cheaper. So I guess you can say I saved $6.00 and I dint have to leave my house but in reality I did not and here is why.

The flowers came in a box wrapped in plastic; it included a vase and two plant food packets. The person that receives the flowers needs to cut 1-3” off the step and place them in a vase with water and plant food. Once you do that you are all done. Flowers will look like in the picture, ok maybe not.

This may not apply to everyone but if you live in a cold part of a country like I do which is New England I would highly recommend not to order flowers online. Because the flowers need to be delivered to you via Fedex or UPS there is 90% that the flowers will freeze and will die shortly after.

I got the flowers few days before Valentine’s day, I unpacked them, cut 2” of the stem,  placed them in a vase, added water and plant food as mentioned in the instruction.

First Day, the flowers looked ok, Not like in the picture as advertized but who really expects that.


After 4 days:


Proflowers Roses - Day 5

Proflowers Roses – Day 5

Proflowers Roses - Day 5

Proflowers Roses – Day 5

Proflowers Roses - Day 5

Proflowers Roses – Day 5

I called Proflowers on the 5th day and I complained that the most of the flowers have died and that I would like them to fix it. The customer representative told me that I should have called earlier because the flowers are expected to die within 7 days. I mentioned again that they state on their website that they have 7 day guarantee but she told me once again that they have 7 day guarantee but I should have called earlier. She dint even try to help me in any way.

I was extremely disappointed but then I remembered that I have gotten Free Google protection when I ordered because Proflowers is Google trusted store. I contacted Google Protection Program that was offered to me for free. I filled out Google short explanation of my problem and the next day I received a email from Proflowers that they have fully refunded me the whole amount.

Lesson learned: Buy from your local Florists and you will be much happier with your purchase and the person that received the flowers will enjoy them longer.  Don’t forget to add Google Protection when available.



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TSA Profiting from your Uncharged Electronics

IpIPhone Battery Low indicationTSA Profiting from your Electronics, Making Big Bucks on Devices Left Behind

The Transportation Security Administration has decided to make you flying experience even worse by banning uncharged electronics from any flight entering USA. This includes your phone, laptop, IPod, Tablet, MP3 Player and any electronic device that is powered by a battery. This is just the beginning as over time it will become a standard security procedure for all flights. This action suggests that TSA is trying to seize your electronic device and profit from it. Think about it, tell me that you dint have a laptop at some point that had dead battery but you used it anyways by just connecting it to AC power. Well you can’t bring that laptop on the plane anymore.

TSA already uses explosive trace detection scanners that will sniff out and detect any explosives and any potential chemicals that can create a explosive. So why does TSA  go after uncharged Electronics? TSA explanation is that the electronic device needs to have at least power to power on during screening. If the electronic device powers On then you are good to go but if it does not then you will have option to leave the device behind or miss the flight.

Is this the way TSA wants to increase security or just cash in on electronics that will be left behind? TSA claims that terrorists can replace the battery with a explosives and trigger it by turning the device ON. Even if that was the case would that put people the stand in line for screening in Risk? The Screening lines are packed with people that want to get on their flights, yet TSA is not considering that they create risky environment for those people.

Now that the Policy is in effect travelers will need to bring chargers for their devices with them which in fact create more baggage to check and more ways to smuggle anything thru security. TSA however has not mentioned anything about check in luggage. So you can still bring your uncharged devices that way but you know how it is with check in luggage, you never know if it will ever reach your destination. I would be really upset if my phone was in the luggage because it was uncharged and somehow got lost. My photos and contacts lost, not to mention my precious phone. This would be extremely upsetting, yet it happens all the time. For those that traveled and airlines lost there baggage know how hard it to get airlines to reimburse you for lost language. They are on with paying the first $100 to replace the suitcase but not the content of it.

Lesson to be learned from this is to always make sure you electronic device is fully charged and carry a charger whenever possible. Don’t let TSA profit from you and your electronic devices.




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How To Cash Out 401(k) – To Pay Off Dept

Nest Egg

Nest Egg

How To Cash Out 401K – To Pay Off Dept, Need money to pay off Credit Cards?

Here are few things you need to know about your 401K

First of all you hear a lot of people telling you not to touch your nest egg. If you do you will have nothing for your retirement.  Well I am here to tell you otherwise and explain why and how to do it. The people that tell you not to touch your 401K plan do not have debt so they are not in your situation. In normal case you don’t want to touch your 401k Plan so that you can have nice retirement plan. If you are in situation that you have credit card dept or any other dept that is subject to interest rate than that should be  #1 Priority!!!  You will pay a lot more in interest than your retirement nest egg will ever grow.

The Truth is that it’s hard to cash out you 401K plan or in most cases impossible. There are however other options that are available that may or may not work for you. Before I get to your alternative options, below you will find a list of exceptions that government has created. If your 401k balance is less than $1000 you can  check with your 401k administrator if you can just cash it out. otherwise keep on reading.

You should also be aware that Uncle Sam will take large chunk because your contributions were Pre-Taxed. Remember that your 401K is not Tax Free; it is simply tax-deferred. That means that if you have currently contributed with pre-tax funds you will have to pay taxes once you start taking distribution.  To Give you idea on how much it will cost you to get your money back a created a example. Those numbers are only estimate to give is sense of what you are looking at, If you take a $20,000 hardship withdrawal to pay for your child’s college tuition, you will owe $6,000 in federal income taxes,$1,500 in State Taxes and an additional $2,000 to cover the early withdrawal penalty. You’ll be left with around $10,500 after Taxes. It might be little less or maybe little more depending on your state tax % rate.

Congress made provisions in the 401k rules to allow plan withdrawals in a limited number of hardship situations. These include:

  • Un-reimbursed medical expenses for you, your spouse, or      dependents.
  • Purchase of an employee’s principal residence.
  • Payment of college tuition and related educational costs      such as room and board for the next 12 months for you, your spouse,      dependents, or children who are no longer dependents.
  • Payments necessary to prevent eviction of you from your      home, or foreclosure on the mortgage of your principal residence.
  • For funeral expenses.
  • Certain expenses for the repair of damage to the      employee’s principal residence.

You may qualify to take a penalty-free withdrawal if you meet one of the following exceptions:

  • You become totally disabled.
  • You are in debt for medical expenses that exceed 7.5      percent of your adjusted gross income.
  • You are required by court order to give the money to      your divorced spouse, a child, or a dependent.
  • You are separated from service (through permanent      layoff, termination, quitting or taking early retirement) in the year you      turn 55, or later.
  • You are separated from service and you have set-up a      payment schedule to withdraw money in substantially equal amounts over the      course of your life expectancy. (Once you begin taking this kind of      distribution you are required to continue for five years or until you      reach age 59 1/2, whichever is longer.)

IF you don’t meet any requirements above here are options you may have in getting money from your 401K plan:

  1. 1.     The first and best option is to take a loan against you 401k Plan

This should best option and also your last resort as well. Most 401k plans set up by your employer will allow you to take a loan from you 401k account with low interest and best off all you will be paying yourself off. The only catch it that only 50% of your total accounts balance can be used for a loan. Your employer or your 401k plan administrator will set up payment plan usually directly subtracting from your pay check. To get this process started contact your employer or human resources so that they can get your paper work started. In most cases you will have a paycheck within 2 weeks.

  1. 2.     If you are close to your employer you can ask them to fire you and then rehire you.

This options only works if you are in good terms with your employer. You don’t want to be stuck unemployed if your employer decides not to re-hire you. When you are no longer employed you are allowed to transfer your founds to a new 401k plan or IRA. Just contact company like fidelity and they will help you transfer the funds to IRA and you be able to take cash out.

  1. 3.     Quit – Quitting your job to cash out your 401k is the worst option and I would strongly advise not to do it.

Quitting is the worst option but it’s a option. This process will let you transfer you Nest egg to IRA account but then you will be unemployed, with no income. So please don’t do it.

Besides those limited few options you have no other choices. The government created 401K so that you would not have to survive on social security once you reach your retirement age. What the government forgot to mention that you will be probably paying higher taxes in the future on your 401k distribution. That is why stop investing in your 401k and start investing in your self so that you would be Debt Free. Trust me nothing will feel better than being debt free person.

If you have any comments or questions please feel free to let me know and I will try my best to get your questions or concerns answered

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eBay Store Over a Regular Sellers Account Advantages

eBay store

eBay Store Advantages

Advantages of having a eBay Store over a regular sellers account – Which One Is Right For you

For those that don’t know, eBay is one of the biggest consumer to consumer online auction and shopping site in the world. eBay is open to almost anyone that wants to buy something new or used and anyone who wants to sell something new or used. The limitations are endless, with few exceptions. The only requirement for a buyer is to have a physical shipping address and a credit card or PayPal account. For sellers there is only three more additional requirements and that is product, paypal account and a credit card linked to eBay for billing..  Its up to the sellers discretion if the product he or she is selling is new, used, working or not.

Startup sellers are only allowed to list items in a Action format with Buy it Now option. They are subject to 10% fee from item final price and shipping and handling cost collected and 2.9% + $0.30 of the total amount received by the seller. At first glance this does not seem to be a lot but it is. One item sold on eBay comes to 13% deduction. This means if you sold something for $50 you will only end up with $43.50. This is not bad if the item you sold had no value to you or you got it for free. If you had to purchase that item for resale than 13% is usually your income percentage from a item.

There are millions of sellers and buyers on eBay so the competition is stiff. It is easy to make profit if you are trying to sell something you no longer need or you got something for free. But if you are trying to make a living of eBay than its another ball game. eBay however made some progress to help volume sellers  by reducing sellers fees and giving them more option in selling.

IF you have been selling for a while and you managed to sell over one hundred items which generated over $1,000 in sales in one year that eBay has given you a option to open a eBay store.  The store is intended for volume sales and by doing that you are eligible for a slightly lower sales fee rate. To open a eBay store is not free. The basic store starts from $19.95 per month all the way to $199.95 per month, and they each have their own requirements. By opening your own eBay store you are able to reduce final sale fee that’s normally 10% to lower rate that varies from 4%-9% depending on what type of item you are selling.

If you sell few items per month than a store is not for you. If you have a huge inventory then eBay store might be for you. Because it cost $19.95 per month to have a store means that you have to make more profit in order to offset  the $19.95 fee from the 2%-6% in savings that you will get from having a store front.  At the same time you will get few perks options that a normal seller will not have.

eBay Store Perks:

  • Lower final value fee
  • Listing more items for free (basic 150, Premium 500 and Anchor 2,500)
  • Listing item once till it sells at fixed price (good-till –canceled)
  • Impression that you are a professional seller.
  • Offer SALE just like you would see in a store or a major site (20% OFF)

It is advised that in order to make your eBay store profitable you will need to have at least 50 items listed on eBay at all times and selling a at least 15 items per month with 15% profit margin in order to take advantage of the lower rates.  If you don’t have that kind of inventory and are selling less then you would probably be better off with a regular account.  Most importantly you need to make sure you have good feedback rating as this can lower your profit dramatically. IF you think that you can handle larger volume you can try Basic store to see if it is right for you.

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Investing too early In Your Retirement 401K or IRA a Bad Idea

retirement-for-the-future 401K now and your 401K later

retirement-for-the-future 401K now and your 401K later

Investing to Early or for Wrong Reasons can Hurt your Future

Everywhere you turn you will see advertizing from investment firms telling you to invest in your retirement. The biggest retirement accounts are 401(k) and IRA that allow you to save money for your future retirement. 401k retirement plan is around for a while now but there are still a lot of people that contribute to the IRA or 401k without understanding it. Most people save for their retirement because there co-worker, neighbor even friend is.

First you need to understand how those account work. IRA is slight different than a 401k but they have the same purpose, to some for your retirement. You can contribute to you retirement account as often as you would like, and as much contribution as you wish. Most of the time it is a percentage from your paycheck and the amount is taken pre-tax so that only the reaming amount that you take home is taxed. What a lot folks don’t realize that 401k contribution is pre-taxed and not Tax-Free. Once your account matures when you turn 65 years old you will start getting a paycheck on a weekly or monthly basis and its usually same amount as you getting from you job. The only thing is that you need to know that the paycheck will look like you work paycheck, meaning it will be taxed. Yes you have to pay taxes on your 401k and your IRA unless your contributions were taxed prior.

Most retirement plans will not allow you to just withdrawal the whole amount when you reach retirement age, you will only be allowed to get a normal paycheck as you did before. So the plan to spend a month in the Caribbean’s just went out the window, purchasing that dream house in full is not going to happen. You need to realize that you will be almost 70 years old and not 30, 40, 50 or 60. You already know that you cannot do the things that you did when you were in your twenties so what makes you thing that you will be able to do the same when you turn 70. The only thing that you will be spending your money will be on doctors and medication, unless you take care of yourself to stay healthy than you might be able to go on few trips with friends to play some golf.

The biggest mistake people make that they start to contribute to their retirement plan and even start Collage fund for their kids prior to settle the current debt. Your first priority is to make sure all you credit cards are payed off, mortgage is payed off, and you have at least $15,000 or more in your savings account at all times. Once you do that you can start making small contributions to you retirement. Contributing to your IRA or 401k prior to that will result that you will be loosing money and not gaining like the investment companies claim.

nest eggYou need to remember that there is a Interest rate on your credit cards and on your mortgage. College tuition keeps going up on a alarming rate. You need to understand that even if you save a lot for collage education it will still not cover the whole cost. Best solution is focused on making sure you are free and clear from dept and once collage time approaches you can take out a loan and pay for it. Your retirement account is based on stock market mining that it can gain value or can even loose like you have already seen. A lot of people have lost most of their life savings and the only person that did not lose was your 401(k) or IRA broker. Investment Firm brokers charge fees for maintenance of your account and every time you contribute, buy stocks, sell stocks or do a withdrawal.

Even if your retirement account is gaining value, believe it that you are not getting any richer. You need to look and few factors: What is the percentage value gain has your 401k has received vs. what percentage is the inflation. When you do your calculation you will notice that inflation percentage is a lot grater then your investment. If your lucky you will break even or maybe you would be slightly on top. Retirement plan is not a true investment unless the value of it suppresses inflation rate.

You need to understand that Investment firms are just like a sales person, there job is to sell you a dream and make profit from it. They will tell you a lot of thing that are not true just to get a sale. The fact is when you retire you will not be spending as much as you do now.  If you die before you spending all your regiment money, your kids will get it. Unfortunately they will only get a small portion of it as it will be subject to taxes once more and this time at a much higher rate. So in reality retirement is not the best option. Make sure all your affairs are in order first before you start investing in your future. Live a little now rather than hoping you will do that later as you never know what the future might bring.


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How to Save Money When Buying New Car

Tips when Buying a new Car

Tips when Buying a new Car

So you decided that there is need for a new car. Great!!! Who does not want that new car smell?
In this article I will tell you how you can save thousand off dealer asking price.

First of all, do you really need a Brand new car? If you answered yes than this article will help you save, if you said no, then I can save even more and you should read my article on how to save money when buying a used car..When buying a Brand New Car, be careful not to spent on bells and whistles as there are alternatives way to get them and for much lower price.
The biggest thing person will over pay on is GPS. From a dealer a GPS system is from $1500-$7000 extra. come on its 2014, GPS is standard in most cars, so negotiate the price to incude GPS but keep in mind that ever smartphone has GPS and Garmin or TomTom GPS work just fine and are cheap.
Look in to a aftermarket solutions, they may not have exactly what the OEM has to offer but they have allot of other nice functions that you can take advantage of and for price of no more than $1000, that is allot of money that can be saved.

Next there are extra warranties.

Manufacturers Extended warranty, if it is prices from $1500-$3000 for the extra 3 years. Sure buy it, repairs are expansive on the newer models but don’t go creasy as the most common parts that you need to spend money are not covered by the warranty. Watch out for other stuff like Road Hazards Insurance and Interior & exterior, Road hazard insurance can be nice, but it all depends on the price, I personally paid $545 for 5 years, which I already used 3 times so it does pay for self back, mostly on fixing bend whiles and once on a flat tire. Don’t expect them to replace your tires; they have specific rules on how much wear needs to be on those tires. Interior & Exterior insurance is another one, Remember they fix not replace, so be careful it’s probably waste of money.

LoJack is one thing where you would waste money, it cost a lot to get it installed and you save very little on your insurance. Long run it is not worth it, save yourself the money.

Interior ans Exterior Protection: This is usually a third party protection. Dealers try to sell it and event miss lead you what it covers just to make you buy it. IN my case I was told that it protect my leather seats from wear and tears but when i gat a small tear in my seat they dint want to fix it, because it is not covered. dont get it, its just wast of money.

Ask about engine oil and other services, if they need to be done at a dealer or they can be performed by a local mechanic; ask them if it would void the warranty. Also ask about oil type for your car. Most new cars accept synthetic oil which is good for 10,000-15,000 miles, dealers will still try to get you to change it every 5,000 but you can fight about that.
Ask about the new car perks when it comes to servicing like free car loaner, free car wash, free oil changes, free tire rotations.

Lastly negotiate the interest rate if it is not 0%. Most dealerships have there own Loan companies which allows them to give you exceptional rate. Toyota is one example, they have there own financial section. If Toyota is offering you 4.5% for 5 years, you can negotiate to at least 3.5% or lower even when your credit score is not perfect, if they don’t, walk away. If you got that far of the process of buying a car they will not let you go, if they do, next day they will most likely call you again and say that they found a lower interest rate for you or if not, they will offer to drop the price on the car to set the difference.

Know it before you buy

Know it before you buy

Most dealers can lower the price by at least $3000, most of the time $5000 of their price. Also look online to compare prices, most of the time someone out there will have it slightly lower, so what that it might be far away from you, to the dealer its competition.

Let’s say you want to buy a car, its priced at $32,000 if you go to the dealer and say I will pay you $27,000 right now, they will say they can’t do that. When you go to them and waste their time and start asking them about lowering the price, they will most likely lower it by $500-$1000. But that is just scratching the surface, negotiate more waist lots of their time, and they will lower it by at least $3000 and give you additional perks worth additional $2000.
This will probably waist your entire day, but on the other hand you are most likely not making over a $1,000 dollars a day.


Shop around. There are a lot of commercials stating that they compete with other dealers to make sure they have the lowest price. The truth is that dealers use the web tool to manipulate the the car price and to make sure all of them keep higher prices just so when the drop the price by $1000 you feel like you getting a bargain.

Going to bunch of dealerships and leaving your info is good idea. This shows them that you are serious buyer but the price is the key to win you over.

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eBay Hacked – 145 Million Users At Risk

eBay website Security Compromised

EBAY Security Compromised

eBay Online Auction Website Hacked – 145 Million Users At Risk, What happened to eBay security?

Popular across the world, eBay users expect a certain level of privacy and security when shopping or selling on this site. Recently, however, users were taken by surprise when it was revealed that hackers got into customers data and put a lot of people at risk. While the executives at eBay do not think that anyone is at risk, there is no saying, at this point at least, what the damage could have been or was done. They are currently updating their security systems and trying to make sure that this does not happen again, though they are not taking steps to compensate any users for this breach.

Users were disappointed by eBay to find out that there information was taken by hackers, yet they were not informed of the attack till two weeks after news of the attack surfaced. Two weeks after eBay had asked users to reset the password to prevent stolen data from being used. Till this day eBay has failed to properly inform users of what data was taken and if any of it was used or has potential to be used. Current users have reset their passwords but there are sill millions of users that are not regularly active and have not changed there password

Around 120 million active users and additionally millions non-active  are on eBay. All of these people use this site to purchase or sell goods, and many have their information available on their profiles. The hackers were able to access all of this. They did this by using information of three employees, which gave them access to eBay and allowed them to find their way to user data. This was discovered in early May, but there was no word on the incident until very recently, when it was realized that there had been movement to the user data. Afterwards, emails were sent out to users to notify them of what had happened and to urge them to change their passwords immediately.

There is a big reaction to this, and numerous individuals wanting eBay to compensate users because of this breach. A few states are currently investigating eBay and there is the desire of credit monitoring services offered to users. People want eBay to offer some type of apology in the form of a service to make sure that users have peace of mind. Many are worried, and waited quite a while to receive their notice, so the response is to be expected. Executives with eBay, however, are not offering any type of compensation or service to their users.

The reason for this is the fact that eBay does not see this affecting users. While there was the initial fear that it might, there have been no signs that it has. EBay has stated that there are no signs of harm to users, but that does not mean that everyone is safe. Since this is still a rather recent event, nothing may happen for a while. Until then, eBay is working to improve its security so that there is a lower chance of someone getting in again.

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PayPal Here Vs. Square Credit Card Reader

Paypal Here and Square Credit Card Swipe

Paypal Here and Square Credit Card Swipe

PayPal Here Vs. Square Credit Card Reader – Two Major Players in Mobile Credit Card processing.

Now anyone can accept credit cards using their mobile device or their tablet.Technology sure have taken a step to make are live easier, more affordable and more accessible. Both companies offer similar service in accepting credit cards on the go, so what makes them better than the other

I personally use PayPal Here only because I have a PayPal account since it started and joined eBay. When my Business grew PayPal Here allowed me to start accepting Credit Cards from customer. For some reason it is the most preferred way to pay by the customer. I personally always prefer cash or checks just because there is no transaction fee. But accepting Credit Cards has a positive side.



Supported Devices: iPhone/iPad, Android

Sturtup Cost: Free

Available in: United States and Canada (PayPal here): also in Hong Kong, Australia

Accept internationaly: PayPal Only – 2.7% per swipe plus 1% cross-border fee.

wpid-screenshot_2014-06-02-01-14-21.pngSo how does it work?

First of all you need a Smart Phone like IPhone or Galaxy.

Once you completed a service or sale you would connect the Credit Card Swipe (Paypal Here or Square) to your phone by inserting it in to the Headphone jack. Then you would Lunch the App provided by PayPal or Square. You would enter information such us what are you charging for and the amount. Then you would ask for a credit card and swipe it. A signature box will appear on the screen. This is where customer with sigh just like you would at a store when you purchase something with a Credit Card, Click done and then it will ask you were do you want to send the receipt. You can sent it to the printer if your phone is connected to one, Email address or you can click on no receipt.

If you chose to Email the receipt, the customer would receive full detailed email that he made a payment. Information would include exact location, (even with a address and a map) Purchase price, Date and for what for as well as who he/she made a payment too.

With paypal the funds are available to you instantly in your PayPal account. With Square 2 days later.




  • You can accept credit cards as payment, Sometimes Customer just does not have the cash on hand and writing a check takes time.
  • Using a Credit Card processing service like Paypal Here or Square saves you time when its time to file your taxes because all the transaction are documented.
  • It is Small
  • Easy to use
  • Gives your customers flexibility
  • Almost anyone can have one
  • Its free to setup
  • Its free to own



  • Credit Card Processing Fees.
  • PayPal Here has 2.7% fee for swiped Credit Cards and 3.5%+$0.15 for manually entered credit cards. Square had lower rates in the past but currently its 2.75% for swiped Credit Cards and 3.5%+$0.15 for manually entered credit cards.
  • You also need a smart phone with internet access, or a tablet with internet connection.
  • You are suggested to use Smartphone or tablet pen, helps customer to sign their name instead of using their finger.
  • Does not guarantee a payment. Customer can always block a payment at a later time.


Paypal Here came on top for us for two major reasons. Paypal Here has slightly lower fees that add up over time and Live Customer service. This is one company that you can get a live person fast comparing to some other companies. Over all it is a great tool to have and use when needed. Because of the high fees you may not want to use it all the time. Cash is King and still the most preferred form of payment. When cash is not available the Credit Cards reader comes in and saves the day.

If you provide service on the go or even sell on the go than this Portable credit card swipe is for you. It is also the best choice if you only do few credit card transactions a month. If you do you transaction in a same location such as store or office and you accept a lot of credit cards then there are better options for a fixed Credit Card terminal that offers lower Transaction fees. For everyone ales it’s a must have.

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Top 5 ways to Make Money Online: Not a Get Rich Quick Scheme


Make money online fast

Top 5 ways to Make Money Online: Not a get Rich Quick Scheme

The ideas on how to make money online listed below are ideas I have used to make money online. All of them require work and some of them you may need to spend little money. But all of them can be started with just $50 or less. All of them require that you put in work in and the money you make depends how much you will be dedicated to it. If you are looking to make money working from home without real work, then you are in the wrong place.

  • Make Money Selling on eBay

This is my top way to make money online. The amount you make is really how much work you are willing to do. If you have something to sell than you are in luck. If you don’t you can always buy something and sell it for profit. You can buy something from a flea market, yard sale, or even some auctions. Buying from store to resell is not the best idea because a lot of items can be purchased cheaper on eBay that in a store, even with a sale.

Starting off is little hard because you need to build reputation first before bidders will bid higher on your items. With time as you learn more about eBay and how to squeeze every penny from a transaction to make most money. Little practice and you will make money in no time. I am currently working on a video to help sellers maximize profits from each sale.How to sell on ebay

  • Make Money Selling on Craigslist

This is probably the most profitable website when it comes to selling something. Because you are selling directly to the buyer r and there are is no shipping or any fees that you need to pay. This is defiantly the cheapest way to make money.

There are however few drawback. You need to have time to meet with the buyer. Craigslist has a lot of spammers so you need to create a email that you will dedicated to craigslist as chances are you will be flooded  with spammers. But besides that its not a bad way to make few buck here and there,

  • Make Money from YouTube Videos

Making videos for YouTube and monetize them to make money from viewers.

This required that you have been approved by Google Adsence to make money.

If you at least have couple videos with lots of view that there is a chance that you can get approved. This does not make you a lot of money but if you create a lot of videos that do get popular you can make money and pay for you beers or gas.

  • Make Money from a Blog website.

There is a lot of websites that try to tell you that you can make thousands from blog websites.

Well the truth is you can, but chances that you will actually make a lot are about .0003%. Unfortunately there a millions of bloggers out there and a lot of them are really good so there is a lot of competition and as it is with all websites this takes time and lots of it. To make any real money you will need to at least write one blog a week for about 2 years to start seeing gas money. A lot of people get into blogging but they usually give up after few month when they realize that they have worked hard to see that the made $10 in six months of work. It can take up to 5 years before you actually see any real money but there is always a chance that somehow your blogs become popular and you will make money .

  • Make Money Selling photos online (royalty free images stock)

One way to sell photos online is to sell to Micro stock websites. I am sure you hard about it on the news how someone started to sell photos online and making money from home. Well its not that easy. At one point those website accepted anyone and any photo that someone was willing to upload. Now the companies are very picky on quality and content, so if you are a photographer the you might do ok, maybe make gas money. If you are not then you will see that you will put in a lot of work and the reward might be extremely small.

I personally don’t make much money from Stock photos, but I have friends that make around $100-$200 a month form it.


Selling on EBay and craigslist  is probably the best way to make money but you need to be careful as sometime you can lose money on something you sell and there is always the fact that even if you sell something for $50 you are not really making $50. You need to account that you may need to spend money on shipping and pay selling fees unless you are selling.

Remember you want to Make Money, Not Loose Money



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