How To Make Free And Easy Money With GPT Sites

Since joining Associated Content, I've been spoiled by making money online by writing articles such as this one. But I've become more anxious to make even more money online, which is why I clicked on a link in the forums about Cash Crate. Cash Crate is one of many GPT sites on the internet. GPT stands for Get Paid To and at these sites you can make money to click on ads, fill out surveys, sign up for free trials and samples, etc. Some of the offers cost money, but a lot of them don't cost any money at all, and personally I stick to the ones that don't.

To make money online, all you need is some free time and an extra email address, and we all have about fifty of those laying around, right? If not, they're free and easy to set up. I recommend G-mail because you can add the little dots in your email address and it looks like a whole new email address. A good rule of thumb for making money this way is if you want to try to the service/product anyway, sign up through a GPT site and get some money back in your GPT account. But personally, I'm not signing up for anything I don't already want or haven't had before.

You can make more money if you choose the offers which require a trial or shipping and handling costs. But you don't have to choose these offers in order to make money. To risk nothing, stick to the freebie offers. There are plenty of them, and not all of them confirm but lots do. Here's how to work these GPT sites to make some extra spending cash.

First sign up using real information, including an email that you check frequently. They'll use this email to confirm your membership, send out newsletters (if you opt for them) and email you when an offer is confirmed. Some of the sites will use your real address to send you a check for the money you've made. For those sites that use paypal, be sure to include your paypal email address.

Once you've registered, have a look around the site. Some sites list the most recent payout offers at the bottom of the page. These are the easiest money on the site, which makes them good offers to start with. Find the freebie stuff and click. Maybe you may like to try some of the higher paid offers later. Maybe not. It's completely up to you.

When you click on an offer, fill it in with real information and your spare email. If you don't wish to use your real phone number (because they will call you) you can get a private number at privatephone.com Carry on through the entire offer until you get a message that says your information has been accepted, or you're registered, etc. It usually comes with a thanks. But keep an eye on your spare email because sometimes these sites and sign up deals want you to confirm your registrations and contest entries. And until you click on the confirmation email your offers at the GPT site will not go through and you cannot make the money offered you.

Between offers, it's very important that you clear your cookies. If you don't do this, you won't make nearly as much money. In Microsoft Internet Explorer to clear cookies you must click on tools, then internet options, then delete cookies. In Firefox, you need to click on tools and then options. Then you can clear whichever cookies you want, or all of them at once. But keep in mind, if you clear all of your cookies, you're going to have to re-log into the GPT site and your email again.

There are all sorts of GPT sites to choose from, and here are my favorites. They're all pretty much running the same philosophy, and the same tricks and tips apply to all. They vary in website interface and payout/payment methods. But these are my favorites because I've made money with all of them. Try them out and tell me which ones you like.

Treasure Trooper is the funnest GPT site because as you click on offers to make money, you also can accumulate gold and silver coins and pearls. When you complete an offer, you typically get a gold coin, and you can use these coins to buy pieces of a map and journal in order to solve a scavenger hunt game, in which you could win a hundred more dollars. After a completed offer (whether or not it confirms) you can also play the shell game. If you guess the clam holding the pearl, you win the pearl. When you've accumulated eight pearls, you can buy two referrals. Then you can make more money with your referrals. If certain offers don't confirm, you can try them again, and if you've already won a pearl, you needn't find it again. You can just try the offer again and if it confirms you still win the pearl. Treasure Trooper requires that you have twenty dollars in your account before you are paid.

Cash Crate is also a well known GPT site that's been known to pay out a lot of money to a lot of people. There is no fancy game to go along with the offers, but I've had good luck at getting offers to confirm. Cash Crate requires that you have twenty dollars in your account before being paid. But as with Treasure Trooper, you can make that amount in just a couple hours.

Fairy Tale Treasures is a smaller GPT site run by two sisters who have a Disney fascination. Every day they post a trivia question relating to Disney. If you guess the right answer you can win a magic lamp. Magic lamps can be cashed in for referrals, which means more money for you. Fairy Tale Treasures also boasts a more frequent pay cycle for their money making members. They currently pay twice a month and the best part is they pay by paypal. No need to wait on a check or going to the bank to cash it for your money. Payment is automatic and prompt. It only takes ten dollars to be eligible for payout.

This site is very similar in layout to Fairy Tale Treasures but it seems that the offers are confirmed a lot more easily. With completed offers you win signs, which can then be used to play games and/or buy prizes. You can also upgrade your membership if you have enough signs. I'm fairly new to this site but I like it a lot so far. It also pays via paypal, but you need twenty dollars to cash out.

Another thing GPT sites offer is the ability to shop online and receive a kickback from stores the GPT sites are affiliated with. For example, you can order something from Walmart and receive a percentage of your purchase back in your GPT account. That's a nice added bonus if you do a lot of online shopping. You'll buy the items anyway. Why not get a little of the money back when you do?

Avoiding Forex Trading System Headaches

If you are a trader and you have tried to find a forex trading system that might work for you and have curiously looked up the words "forex trading system" in Google, haven't you been surprised and annoyed at the amount of rubbish and useless material on this subject out there?

Your first job is to ignore the typically glowing testimonials telling you how great a certain forex trading system is...

Guess what? They all say great things!

Anyone who is serious about trading needs to have a forex trading system that is tailored to them, but there is no reason to start constructing your forex trading system from scratch. Look for your most important criteria as it relates to your trading style for the trading system you are planning to buy, and if it fulfills them; then you are quite certainly making a good decision by planning to use it going forward in your trading career.

Any good online forex trading system will gives traders discipline, as good systems will run the big profitable trades and cut losers quickly to give great profit potential over the longer term. If you are just starting, you should look at longer term forex trading systems that milk the big trends for profit, and cuts losses quickly. Whatever you decide on for your forex currency trading system, however, you almost certainly can't go wrong by subscribing to some of the forex newsletters. Even if you've gone through quality forex training, smart traders subscribe to newsletters written by professional currency traders that offer both fundamental and technical analysis on the markets. In other words, more knowledge and information is a good thing.

Once you know what sort of forex trading system will work best for you, look at the components that make it work. Both the desktop based and web based forex trading software have their own advantages, so use the version that you are most comfortable with. Don't forget to take advantage of some of the generous free offers by various online forex brokerages that allow you to trade in real time with paper money so you can get the hang of how things work. Couple that with the guarantees that most of the marketers provide for you to try out their systems for 30, 60 or 90 days.

You also want to choose a forex trading system company that will put your money first, and that will listen to what you want to do, and how you want to do it. After all, it is your career they are looking after.

Forex is a great money making opportunity for those who know their way around, most newbies fall hard after flying high for a while. That's because forex trading is not straightforward. You see, it is simple to enter a trade and let it run, but making yourself a profitable trader takes more than just willingness; it takes knowledge and experience.

And finally, we don't have space here to go through the actual systems being currently marketed, but with a bit of research and testing you will see why a forex trading system built on the above principles, will work, and will continue to work.

Take Advantage of Market Downturns

When there's a market correction, we can't help thinking about reallocating our investments to safer investments for our asset management. The money that we are losing causes our instincts to feel like we need to run away from risky stocks and place them into safer havens such as bonds and cash reserves. This may not be the best practice, as many asset management analysts will tell you. The fact that the market is heading for a downturn shouldn't make you take the "flight" option for safer investments.

There's a problem to what financial analyst would dub as "flight to quality". If you're investing for the long run, the best time to invest is when there are down turns. Reallocating your investments into cash or bonds will not help you sustain long term returns in your asset management. Why? The best time to buy stocks is when the market goes into a correction mode. The market tanks and the price per share for investments could be very cheap. By purchasing a cheap and beaten stock, you can improve your dollar cost average. This means the consistent contributions will make your purchasing average lower over the course of your investment history.

In fact, there has never been a downturn that has not been an opportunity. All corrections have provided investors with long term positive gains. By purchasing and reallocating to stock funds, you'll increase your returns over the long run. Also, consider if we would have investors go to safer instruments like bonds. What would happen to bonds? Because of the increased interest in debt securities, bonds will have a pretty high demand. High demand, of course, will cause the price of the bonds to rise. Would it be rational to purchase bonds, as a part of your asset management, when the par value is going up?

It's important to gradually buy more stocks than to aggressively purchase stocks in the market correction. Nobody knows if the downturn will continue further. So by gradual purchases in stocks, you will have enough to average cost for a longer period of time.

You must be selective in the market correction as well. Value is key here. Ask yourself a few questions. Which sector has gotten hit the worst? Which sector has the most value? By doing so, you can narrow down the specific sector that will provide you with the best long term value. For example, the small capitalization market could have gone down over 30% for the past month. Large- and mid-capitalization stocks have fared better by losing only 10% and 15% respectively. As one can see, the small cap sector could promise you the best value.

If you're able to contribute to the downturns, you'll enjoy stock market rallies even more. The contributions that you make during the downturns can make future gains even more enjoyable. Who would've thought you were able to purchase those investments at a nice low? Making money for the long requires quick decisions when the right opportunities come.

For asset management to succeed, the investor needs to understand that downfalls are opportunities, not time to take money out of important long term investments. The best investors understand how valuable a market crash or correction is. Take time to analyze which sectors are the best to allocate to. Doing so will go a long way.

Is Day Trading Stock Options A Bad Strategy

Most people will tell you that day trading stock options is extremely risky and shouldn't be attempted by new traders. And they are right, to an extent. Trading options can be risky even for professional traders with 20 years experience.

However, trading stock options can be a great way to leverage your investment. For a small fee, with a defined risk, you can control a large amount of stock. The primary thing to remember, options are a wasting asset. When expiration Friday arrives, the option expires. If the option is in the money, you can either use it purchase the stock or redeem the option for the premium value. If the option expires out of the money, you have lost your investment.

Most people try to guess which direction the market is going to move, will it go up or will it go down. If they guess wrong, they lose money. More people trade with call options instead of put options, because they understand going long on the market but do not understand going short.

The vast majority of traders do not utilize trading strategies such as straddles or strangles, much less condors or butterflies. As a result, they are taking on a lot more risk, with less chance of making a profit.

If the beginning trader would take the time to learn some of the various trading strategies, they would greatly decrease their risk and improve the odds of having winning trades tremendously.

Learning the complex option trading strategies is not that hard. First you learn about the simple puts and calls options. When you understand the basic building blocks, you move on to combining the various strike prices and expiration dates. Even the most complex stock option trading strategy is made up of simple puts and calls.

These strategies will reduce the risk to a much lower level. The down side to these trades is you lower the return on the trade. But if the trade goes bad, the strategy will minimize your loss. If you still have money, you can still keep trading. If you lose all of your capital, you are out of the game.

So the people that say day trading stock options is risky are correct. But if you take these simple steps, then you can lower the risk, and still maintain the leverage that trading options will provide.

The World of Mortgages

Buying a home is usually a very overwhelming and big event in a person or a couple's life. It takes lengthy considerations and life searching to find out if you are ready to do so. One thing people will most definitely need is the money to buy a home which in terms of home prices, people don't generally have that much saved up.

Everyone wants to own a house, it doesn't matter what country you live in. What most middle class type people will need is a home loan, and home loans are different in each country. If you think you know a lot about home loans in America, you could go over to the United Kingdom or Germany and expect to know everything but come to find out that everything isn't the same over there.

In each country around the world, a mortgage is usually different. In the United States, to get a loan you must have a down payment, which is a percentage of what you are borrowing that is regulated by the company you get the loan from. In Germany, the borrower has to have at least 15 - 20% of the entire loan amount with him to take a loan.

One of the main things that differentiate the United States and other countries is that the U.S. mortgage market is backed up by a very well maintained secondary market in which global investors keep local lenders aware of money. They do this most through large secondary entities like Fannie Mae and Freddie Mac. These are government-sponsored enterprises to make sure lenders always have money to lend, even during periods of high interest rates, and private conduits that perform the same function.

In Great Britain, they have variable-rate mortgages, or a floating rate mortgage. A mortgage loan where the interest rate on the note is periodically adjusted based on an index. This is done to ensure a steady margin for the lender, whose own cost of funding will usually be related to the index. Consequently, payments made by the borrower may change over time with the changing interest rate.

In the UK, Germany, and the States, citizens pay interest on top of what they owe back to the lender. In Muslim countries, Muslims mortgages get a little tricky. The Sharia law of Islam prohibits the payment or receipt of interest, which means that practicing Muslims cannot use conventional mortgages. Because real estate would be way too expensive to just use regular cash. Islamic mortgages solve this problem by having the property change hands two times. An example would be as if the bank bought the house and act that the existing landlord to the person who wants to live in the house. The person will pay rent and in addition will pay contribution towards the purchase of the property. When the last payment is made, the property changes hands.

No matter where you are in the world, getting a mortgage will always be a struggle. When that house is finally yours, the feeling of having the house will be worth it.

Mortgage Acclerators in the News

A Las Vegas man was featured on NBC News 3 recently, where he explained how he was using mortgage acceleration software to rapidly pay down his mortgage. The 4 minute piece was shown on the "Saving You Money" segment and has generated quite a buzz.

The man was clearly excited about the way things are going with his customized software, and states that he will paying off his mortgage in a little over 5 years. He states that it is simple to use and when asked to explain how it works he said, "It is easier to do than it is to explain. It just works."

The software he is using is a new way of managing your money. You "merge" your typical checking account with a Home Equity Line Of Credit, or heloc as they are called in the banking world. This heloc then drives the proprietary software which instructs you as to when and how much money to apply to your first mortgage. Rapid paydown occurs at various times based on your specific financial rhythm.

Mortgages charge you compounded interest based on the balance at month's end. You pay mostly interest and very little principle for many years at the beginning of the loan term, resulting in huge gains for the lender. So, if they are winning big by you paying more than double for your home, that means you are losing.

A heloc has an "open ended" interest stucture which is very different than a mortgage. Helocs can only charge you interest on the average daily balance in the account. You can effect the average daily balance in a substantial way by depositing your income into your heloc. You may be just beginning to understand how this new account can create financial leverage. As your income cancels interest in your heloc, it becomes possible to borrow money from the credit line and pay very little interest on it. When this money is applied to the principle on the mortgage, amazing things begin to happen.

The software knows exactly when and exactly how much money to apply to the debt. You don't have to adjust your budget or lifestyle either. You don't refinance or compromise your debt. You pay it off. It's not magic, it's math. It is math that most people don't have the time or talent to do. All you do is update the program with your deposits and expenses, and it does all the rest.

This guy in Las Vegas was quite happy about the prospect of being out of debt in about 5 years instead of twenty to thirty. Both the mortgage and the heloc will have zero balances. Who wouldn't be happy with that?

At the end of the news segment, the reporter claimed that indeed the program was for real and that it DID work, and in fact three of them in the studio have been on the software since February and were very happy with the results.

The company that developed the software is trying to get authorization from NBC to place the news spot on their websites, but for the time being the spot can be shared by independent agents via email.

When contacted, a Branch Manager with the company said that thousands of Americans are now using the software and paying off their mortgages and other debts in ½ to 1/3 the time as compared to the traditional payoff methods. "It's been a Godsend for me, and I have had clients break down and cry when they see what we can do for them. They can finally see financial freedom within their grasp."

KVBC News 3 in Las Vegas is now working on a special report where they will go in depth to this rapidly growing area of mortgage accelerators. Stay tuned.

Is EDC Gold Worth The Investment?

Investing Wisely With A High Interest Savings Account

People with money typically know how to make their money work for them. Great areas of investment they utilize are savings accounts. Savings accounts can be a good, low-maintenance option to help maximize your money. By exercising a little bit of patience for the long haul, a high interest savings account can be an answer to creating high yields with minimal effort and little risk.

While a savings account yields an annual percentage, a high interest savings account is the same just with a higher annual percentage yield that most. It seems curious how a financial institution could give away money for "free". The truth is they don't give it away for free. In order to open a high interest savings account a customer usually has to deposit a significant amount of money, often $5,000 or more. Unlike regular savings accounts, High interest savings accounts may require the account holder to maintain a greater average balance. Some financial institutions also limit the number of transactions per month and will penalize the account holder for transactions that exceed these limits.

Additionally, high interest savings accounts may have time limit requirements or multi-relationships be established with the financial institution so that interest gained in a high interest savings account transfers to a separate checking account to eliminate the possibility of compounded interest on the initial investment.

High interest savings accounts are ideal for consumers who have a large sum of money that they do not need access to for a medium to long period of time. In spite of the multiple stipulations and restrictions on the high interest savings account, these accounts offer greater annual percentage yields over most investment programs. If you are considering a high interest savings account but do not have a large sum of money initially a savings account that is internet-based may be a great fit.

Whenever you are doing a research on one subject, try to get to the essence of what you are studying. It is true of mundane areas as well. As you search for information about savings accounts try and reach the best value, definitions and clarity.

Read what we have on our site on savings accounts and if you need more material on this you can always go to the world wide web again to finish up on your studies. In this information age, there is a lot of options for increasing your knowledge base. Check the links below for more information on High Interest Savings Account and other related information.

5 Tips On How To Trade Stock Online

Online stock trading has created a boom in the industry of stock market. It has made everyone to enjoy the excitement and thrill of stock trading by using your computer system. It has made possible to continue trading even if you are out of town, therefore, you can have a proper check over the market scenario from any corner of the globe.

How To Buy Stock Online

In today's fast and busy life, no one has time to visit the stock brokers or firms to gather information or to invest in their schemes. Therefore, the discovery of internet has proved to be the best tool in the stock trading which has given rise to trade stock online from the comfortable ambience of your home or office. No doubt, online stock trading is one the most acceptable method of trading but few points have to be considered while getting involved into it.

1 - You should always search properly for a renowned and reputable company before investing in stock market as there are numerous sites over internet that deal in the business of selling and purchasing of stocks. You should go through the reviews and testimonials of the other investors those who are already in link with them and you can also visit bulleting boards to grab information about the different companies.

There is another option of investing in the big-name stock trading companies who have their own online stock trade. You should invest in those companies, which are up to their commitments so that your invested money should not go into drains.

2 - There are many sites which are linked to the buying and selling of stock to foreign markets whereas some are linked to the foreign and domestic markets. You should decide beforehand with which company you want to start trade so that you should not mess up the things. For example, if you are interested in domestic market but got linked with the site that deals in foreign market then it will create a problem for you.

3 - You should always opt for the sites of stock market that are fully secured as your financial as well as personal information has to be inserted over the site in order to start the stock trade online. If the security of the site is not upto your level of satisfaction then need not to get involved as there might be the chances that your loaded information can be misused in future.

4 - First enquire about the fee which is charged by various sites. You should always opt for the site charging less fees per trade, therefore, you should take the benefit of online trading which cannot be enjoyed in trading stock traditionally.

5 - There should be 24 x 7 hours assistance by the online investment sites so that if there is any help required, they should always be present to assist you.
Hence, the summary of this article is that one should survey the market before getting into online stock trading in each and every term like security, fees, company's reputation, etc. so that you should not get into the wrong hands.

Investors And Their Investments - Be Careful What You Say

Question: As an investor, are there certain things I should look for (and look out for) when investing or going to a broker? As an arbitrator and mediator for the National Association of Securities Dealers (NASD) I have found that investors must begin to protect themselves before they purchase any investments. This begins when you open an account and fill out the client account form. This is your personal and business information. The one thing I can guarantee is that in case of a dispute this information will either strengthen or weaken your position in the dispute.

Usually a problem can arise months or sometimes years later when you realize that you were sold an investment that you were unsuited for, or an investment about which you did not understand the risks involved.

If this happens to you, and you and the brokerage firm cannot come to an amicable solution, then arbitration could be your legal remedy. The arbitration may take place years after the original conversation between you and your financial advisor regarding the investment you purchased. I can almost guarantee you that the financial advisor will remember the conversation differently than you do, thereby making the verbal discussions unreliable and meaningless. That is why the client account form, usually the only written document the financial advisor has that describes you, becomes so vital in your defense.

The client account form might look like a basic questionnaire with simple questions, but it is the document that shows if you are suited for certain types of investments. Do not answer these questions lightly or inaccurately. It could cost you dearly in the future

Before you begin to fill out the account form I want to emphasize the best advice I can give you. DON'T EXAGGERATE YOUR INVESTMENT EXPERIENCE OR INCOME. Remember, just because you are knowledgeable and successful in your professional field it does not mean you have the same knowledge in investments.
When the question is about your investment experience in stocks, bonds, mutual finds, private placements, commodities, etc., only put the actual number of years you have been an investor. If you are trying to impress the financial advisor, don't.

Here are three typical questions on the account form that you should be aware of and how they may be interpreted by the advisor:

1-Residence - rent or own. This shows the brokerage firm that if you own a home, you are not ignorant of all types of investments. Also, if you own a real estate limited partnership, REIT, or a pool of sub prime mortgages you would have some idea of the liquidity and economic risks involved. Thus, if these investments have decreased in value, you could not claim that you were unaware of the risks in real estate.

2-Client state annual income. Client state net worth exclusive of family residence, and estimated liquid net worth - DO NOT EXAGGERATE. This shows the brokerage firm what portion of your assets is in a specific investment. Having a diversified portfolio of no more than 2-5% of total assets in one investment may not be worth as much in an arbitration decision as 50% in one investment.

3-Is the client an officer, director or 10% stockholder in any corporation

This tells the brokerage firm that you probably have knowledge about business and investments and also that you have additional assets.

It is important to have a good professional relationship with the financial professional who will help you attain your retirement goals. Just remember if your investments fail, everything you either said or wrote in the past will either help you or hurt you in the future.