CB Money Vine – Is It the Best Way to Make Money Online Free?

We are all excited about the opportunity to make money online. There are some amazing benefits related to that, but you also have a wide range of challenges. Making money online is demanding most of the time, and finding the right passive income source can be very tricky. Which does bring the question, can a product like CB Money Vine help you make the income you want fast and easy? Let's find out.
What is CB Money Vine?
CB Money Vine is a dedicated 1-click software that will add your affiliate links to more than 4000 products without any problem. Everything is done with zero approval and in 60 seconds. This does not require you to match one product to one person, instead people get to have a plethora of products they can choose from. And regardless what they buy, you still get the affiliate commission.
How can CB Money Vine help you make money?
At its core, the main idea behind CB Money Vine is to have more than 4000 products that you can monetize. All these products have commission rates ranging from 30% up to 70%. That's a really good income and it will make it easy for you to monetize your time without a problem.
Within the CB Money Vine system you have your own website and it will be live right way as soon as you buy this. You don't have to pay for anything else, instead professional designers will do that for you. And you will be able to earn money by inviting others. The clear focus of CB Money Vine is to create a passive income source. Everything here is on autopilot and the idea itself is to try and maximize your profits without spending a lot of time and effort. Which is what is ion auto will do for you.
There's a section where you can track the money flow. Thankfully CB Money Vine will deposit your commissions directly to either WarriorPlus or ClickBank, offering you ease of use and without a problem. Having so many income streams means you won't have to worry about a lack of income, instead you will need to figure out how to make this entire process as seamless and as simple as possible.
How does it work?
You sign up, then activate the money feature. Then you choose a product and copy its link, once you do that you share it with other people. And you encourage them to share it with others. The more people buy through your link, the more sales you make. That's great, because you have a lot more control over the entire experience and you can also monitor your sales too.
Is CB Money Vine worth it?
If you want to make money online fast and without any experience, there's hardly any better option out there. CB Money Vine is so simple, convenient that anyone will be able to use it. The system also has a variety of bonuses that help you …

Does Money Provide Personal Contentment?

Imagine you are a billionaire and have everything that money can buy … big chunks of land, mansions overlooking the sea, the most expensive boats, fancy cars, a personal jet, adventures, even beautiful women … just to mention a few . Does this guarantee personal contentment or true happiness?

It is a fact that people need money to survive. You sell goods and services for money and use it to buy what you want. Without money, there is no trade! The whole world revolves around money and it takes talent and ability to use it well. Money is important and it's for that reason that we strive to get or create jobs that earn us a good income. Hence we can:

  1. Meet all our personal expenses, loans and pay taxes.
  2. Invest and save it for our own future use or the next generation.
  3. Enjoy the basic needs of life and live a healthy life style.
  4. Get value and status in society which boosts our self esteem.
  5. Save and Change lives, provide education and charity to those in need.

Reasons for uses of money are endless. I have heard many people say that "… with money I am financially secure, confident and content". Yes, you can achieve some amount of happiness butwhen is the money trap so bad that it sucks all personal contentment out of us?

I honor and admire the first female British Prime Minister's, quote as the best answer "… Too much love of money for its own sake"

Did you know that too much love of money can make you lose track of things that meant so much in your life to the extent that you only mind about yourself and money. Yes … it even gets worse when you start seeing people as objects for your own use. At this level, your personal intentions of uses of money have been corrupted instead of the pure and true motives that bring real value to life. So we ask ourselves: Is money all there is?

Let's examine what happens when too much money gets a holdover you:

1. Rarely can you build good and solid relationships because you have devoted all your time to "Almighty Dollar"! Depending on the job you do, devoting less time for family which demands love, care and attention, will personally take away your happiness. You may not have a lasting relationship so you have to strike a balance between the two.

2. You can become a mean and deceptive person when you use money to control and divide people. Take note that when money is used in this way, it becomes an illusion and in the end it exercises power over you … because it is your god. Such people lose out on morality and cease to be men of good character in society. No place for personal contentment in this type of person.

3. You can become a very lonesome person because you lack genuine friends. Now that you have become a …

Are You Covered by Insurance in a Road Rage Incident?

In a perfect world, every auto driver would operate his or her vehicle responsibly without the need to worry about the next car's inappropriate or dangerous driving. Unfortunately, life is far from perfect and the roads can be an extremely perilous place for everyone that shares it. Fortunately, there is insurance that protects us from the very real likelihood of accident occurrence.

Road rage is the term used for people who get behind the wheel when they are angry or upset and drive in an aggressive manner, venting their frustrations where they should not be vented, causing mayhem, disorder, fear and damages.

For the driver that fits into this category, insurance will not protect them from an ensuing claim or lawsuit. Insurance companies have designed their policies so that coverage is there for liability in the event an unintentional mishap occurs. In the case of road rage, the lack of proper driving etiquette is a deliberate act and the industry will not compensate for losses.

Logic, of course, is in favor of this. What about the victim of road rage, though? Does auto or truck insurance cover the victim?

While the 'mad driver' is legally liable for all damages, there are methods to utilize to ensure you will be covered as you should be. The industry provides the following options to all plans that give you the additional protection you may need from road rage perils.

Auto insurance with included comprehensive coverage, as well as collision coverage will benefit the innocent victim from vehicle or personal damage, injury or even death.
When all is said and done, however, every responsible driver – no matter how much coverage he or she has – does not want to be involved in a road rage event. So, how does the 'average Joe / Jane' protect him or herself from being victimized? The following will provide guidance:

1. Don't respond to any provocation. Giving tit for tat may only serve to increase the perpetuator's aggressiveness.
2. Allow the other driver room to pass.
3. Shut and lock all car windows; lock the doors.
4. Attempt to speed away.
5. Commit the road rager's license number to memory and report it to authorities when you get home or out of your accoster's way.

Being prepared is the best way to get out of a bad situation. For more information about road rage coverage and prevention, speak to an experienced, independent agent that serves the broader community with all forms of auto, home, business, life insurance and more.

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Film Directors – Direct the Money Before the Money Directs You

Most Film Directors have elected to stay away from film budgets and production costs. The heavy grinding SHOULD be left to accountants – but, let's lay it on the table:

The Film Director is at the helm of a big money-burning machine. It is the Film Director's job to produce his / her vision of the script – on time and on budget. At his service is a team of film production experts (the Line Producer, Unit Production Manager, the AD team, Production Accountant, etc.) all there to assist the Film Director to do just that.

Film Directors make it their business to understand the basic functions of on-set filmmaking, without being able to fully light a set, or operate a crane, or focus a steadicam. In the same spirit, the Film Director must understand the basics of Budgeting and the extremely important Weekly Cost Reporting process. Every creative decision involves money. It's only good sense to learn to translate creative ideas into costs.

Experienced Directors know of The Weekly Cost Report. If you're not yet familiar with it, let me introduce it to you:

The Weekly Cost Report informs all Producers, Studio Executives and Financiers of the costs you're expending and how those costs compare to the Approved Budget. If you are unable to challenge, or defend, the conclusions made by those who read that financial 'Report Card' (that is, those who hold the purse strings) your ability to control your career is significantly weakened.

Find a comfort level where you can, at the very least, know what to ask during the Budgeting phase, and have a good understanding of how you can trade-off one cost overrun with a cost savings in another area. Know how to formulate general concepts of trading off costs to arrive at your vision and you'll impress the money belts off the Studio Executives.

Picture the following scenario:
You're the Film Director of an Independent Film Production. You've shot the exteriors called for in the script and you've seen the dailies; However, you KNOW that there's a better shot of that exterior in Oklahoma that would give the perfect hook to the opening of your film.

You know that you can convince the producers of this on a creative plane. But, you also know that most producers will shudder at the task of dropping that bombshell on the Financiers / Bonding Company that you need to dip into the closely guarded Contingency funds. (Oh, did I tell you that we're going to Okl …)

1. How do you pose solutions to those added costs?

2. What's the right way to approach the game of cost trade-offs?

3. How do you defend those cost trade-offs?

It's always going to be a challenge to present this kind of choice – but, a very doable challenge if you know how to translate your needs to cost trade-off's by using my walk the talk ideas.

Usual Way:
As the Film Director you sincerely express your view that the …

Glossary Of Consumer Finance Terms

A guide to many of the terms used in the consumer finance market.

A

Acceptance Rate – The percentage of customers that are successful when applying for a loan or credit card. 66% or more applicants must be offered the advertised rate know as the Typical APR (See 'Typical APR' below).

Annual Percentage Rate (APR) – The rate of interest payable annually on the loan or credit card balance. This allows potential customers to compare lenders. Under the Consumer Credit Act Lenders are legally required to disclose their APR.

Arrears – Missed payments on a loan, credit card, mortgage or most kinds of debt are termed Arrears. The borrower has a legally binding obligation to settle any arrears as soon as possible.

Arrangement Fee – Generally for the administration costs of setting up a mortgage.

B

Base Rate – The interest rate set by the Bank of England. This is the rate charged to banks for lending from the Bank of England. The base rate and how it may change in the future has a direct influence on the interest rate a bank may charge the consumer on a loan or mortgage.

Business Loans – A loan specifically for a business and generally based on the businesses past and likely future performance.

C

Car Loan – A loan specifically for the purchase of a car.

Consumer Credit Association (CCA) – Repeats most businesses in the consumer credit industry. Government, local authorities, financial bodies, finance focused media and consumer groups are all members. Members sign a constitution and must follow a code of practice and business conduct.

County Court Judgment (CCJ) – A CCJ can be issued by a County Court to an individual that has failed to settle outstanding debts. A CCJ will adversely affect the credit record of an individual and can possibly result in them being refused credit. A CCJ will stay on a credit record for 6 years. It is possible to avoid this major negative stain on your credit record by settling the CCJ in full within one month of receiving it, in this case no details of the CCJ will be stored on your credit record.

Credit Crunch – A situation where Lenders cut back on their lending simultaneously usually down to a shared fear that borrowers will not be able to repay their debts.

Credit File – Information stored by credit reference agencies, such as Experian, Equifax and CallCredit, on an individuals credit and borrowing arrangements. The Credit File is checked when Lenders consider a credit application.

Credit Reference Agencies – Companies that keep records of individuals credit and borrowing arrangements, amounts owed, with who and payments made, including any defaults, CCJ's, arrears etc.

Credit Search – The general search undertaken by the Lender with the credit reference agencies.

D

Debt C0nsolidation – The transfer of multiple debts to a single debt via a loan or credit card.

Default – When a regular debt repayment is missed. A default will be recorded on an …

Understanding Your Homeowners Insurance Policy

Homeowners insurance is a policy that protects homeowners from financial liability resulting from damage caused to or on their property. There are several types of insurance policies with different options that protect owners from risk.

Insurance policies cover many risks such as: (1) lightning, (2) theft, (3) vandalism, and (4) falling objects in storms. Other potential issues such as: (1) explosions, (2) civil unrest, (3) falling objects, (3) vehicles, (4) smoke damage, (5) weight of ice snow or sleet, (6) freezing, ( 7) heating and air-conditioning (8) fire protection systems, (9) appliances, (10) fences, and (11) other dwellings, may be covered under your insurance policy. Standard insurance policies also cover damage from snow and damage to electrical and plumbing systems. Most insurance policies provide a $ 100,000 per person / $ 300,000 total per incident liability coverage. There are some surprising items covered under a standard homeowners insurance policy which include other household members' property, such as a children (s) property. For instance, if you have a child in college who lives on campus their personal possessions would be covered under their parent (s) 'insurance policy.

There are three different levels of homeowners insurance that can be purchased. The different levels of insurance include: (1) on actual cash value, (2) replacement costs, and (3) guaranteed replacement costs. The actual cash value coverage provides owners with payments to replace homes or covered belongings at their current depreciated value. Whereas, replacement coverage pays for the cost of fixing or replacing possessions, and guaranteed replacement coverage pays for the complete rebuilding of the house (no matter the cost). There is also extended coverage which pays for up to a percentage of the policies covered limit.

The benefits of purchasing homeowners insurance include transferring financial risk from the homeowner to the insurance company. Homeowners insurance will also pay the medical expenses of third parties who are injured on your property. Homeowners insurance can be expensive, but there are ways to reduce the cost. The first and easiest way to reduce your annual expense is to increase your deductible; You can also reduce the annual cost of your insurance by installing a security system. It should also be noted that non-smokers on average pay less for homeowners insurance than smokers.

There are many things that standard insurance policies do not cover; These include damage caused by floods, earthquakes, and hurricanes. Although, these uncovered risks could be covered under a different insurance policy. Also, it is highly suggested for homeowners to add sewer backup as a protection endorsement. This endorsement is relatively inexpensive and would cover sewer backup into a home which would cover damage to floors, walls, furniture, and electrical systems. In addition to homeowners insurance covering your dwelling, it also covers other buildings on the property, landscaping, damage or loss to your personal property, and belongings. Your policy should also cover any temporary living expenses you may have if you or your home is damaged, in addition to covering anyone else injured on your …

Local SEO For Small Business

Small business needs SEO especially at the local level. For example, if someone is searching for a restaurant, they are going to look in their local area first. Local listings improve your visibility and help you rank higher in the search engines even if your main business can appeal to larger searches.

Do you have your business listed with local online search engines?

You should be listed in the following directories: Yellow Pages Online, Yahoo Local, Bing, Google+ and your Cities local online directories. When your business is linked to local directories, it is much easier for people to find you. You can increase your rankings on these sites by asking satisfied customers to post reviews underneath your business listing and click the thumbs up, like +1 etc.

Link Building is another way to get your business ranked in the search engines.

You can do this by adding comments and links to other businesses that are similar to yours. You can also cross promote with other businesses and offer to swap links. Make sure that you build your links slowly and naturally. Regulate them by doing a few one-day and a couple the next. This way the search engines won't penalize you and think you are spamming.

Promote Your Business on social media platforms.

Use social media platforms like Facebook, Twitter and Google+ and they should reflect the location of your business. It is nice to have lots of followers, but they mean nothing if these people don't become customers. Target your posts towards your local community. You can post specials, video and images to grab the attention of your followers.

It could be something as simple as, mention you saw this post or tweet today and get a 20% discount off your next purchase. You increase the reach of your business and encourage more customers to visit. It is a great way to get re-peat business and build relationships with your customers.

Online advertising

Pay per Click advertising is one of the most powerful ways to target your local community. Use geo-targeted PPC for your online campaigns. For example, your business is in Denver, Colorado. You may run ads that target specific areas of Denver. People who aren't in this geographic area should be excluded.

It's all about getting the right kind of traffic to boost your sales and get your customers to come back again and again. These are just few ways that you can use local SEO for small business to boost your online presence.

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What Are The Positive Factors Involved In Personal Bankruptcy Filing

Personal bankruptcy is the process of legally declaring the inability of an individual to pay off his debts. In many cases, bankruptcy might not be the only option available to you for dealing with your financial difficulties. Consulting an experienced attorney can help you gain awareness regarding your rights and available options. However, in case it is the only option available, it is important to maintain a positive approach towards it. Despite all the conventional negativisms associated with the concept of bankruptcy, it is important to know that there are several positive aspects involved in it:

  • In spite of the fact that bankruptcy can impact your credit record severely, it is also true that once the entire process in complete, all your past credit records get cleared, providing you a chance to start afresh.
  • As soon as your personal bankruptcy filing is accepted by the court, and your bankrupt status is confirmed, the creditors are legally bound to stop making direct calls to you. To get an instant relief from the harassment's caused to by the lenders is probably one of the most positive parts of bankruptcy filing.
  • Nothing can stop you from filing for personal bankruptcy more than once if you want to and need to. However, in some forms of bankruptcy, there is a need to maintain a particular period of time between two filings. For example, while chapter 13 bankruptcy can be filed as often as you need, there's a need to maintain a period of eight years between two successive filings for chapter 7 bankruptcy.
  • It is not necessarily true that you would lose all your assets if you file for personal bankruptcy. Instead, there are provisions in the bankruptcy laws that enable you to retain certain valuable assets and also get the advantage of easy repayment plans in accordance with your conveniences and requirements.

In case you decide to file for personal bankruptcy, it is important to make a choice between chapter 7 bankruptcy and chapter 13 bankruptcy. Again, a knowledgeable attorney can help immensely in making the right choice with regard to your financial status, conveniences and needs.

Chapter 7 bankruptcy is ideal for individuals having non-exempt assets that can be liquidated by the court in order to pay off the debt amount. However, it has been seen that merely 5% of the people opting for chapter 7 bankruptcy possesses any non-exempt assets.

Chapter 13 bankruptcy on the other hand is suitable for people who in spite of their financial crisis are having a fixed annual income. Such individuals can enter an easy repayment plan through negotiation with the lenders, which can also often bring down the debt amount to be paid. Debtors can then pay back the credit amount over a fixed period of time which actually helps them immensely.

An experienced and knowledgeable attorney is your best source to obtain sufficient information on personal bankruptcy, its advantages and flaws, and the right option for you. It is extremely important to know in …

Can a No-Money Down Rent to Own Work?

Are you curious about rent to own, but don't have any money to put down? Wondering if a no-money down rent to own option can work for you?

It is a very important question and good for you for doing some research on the topic. You will need to understand the challenges that will come as a result of a no-money down rent to own. Hopefully this article will heighten awareness around some of the questions you need to ask to protect yourself if you are pursuing a no-money down rent to own.

Simply put, a no-money down rent to own is one where you do not have to put any money down in order to get into the program.

What are the implications?

1. More risk to the investor so they will offset their risks by charging you higher monthly rents (maybe even higher than market rents). I have seen situations where rents for a no money down rent to own were as high as $ 2000-2500 when the market rents in the same area were $ 1500 per month. This amount of $ 2000-2500 does not always account for any money being credited towards your down payment so be sure to ASK!

2. You will have to save up a greater portion of your down payment by yourself before the end of the rent to own program or risk not qualifying for a mortgage and consequently losing the property. Looking at this in terms of numbers, an average house price of $ 300,000 will require a 5% down (or $ 15,000). If you come into the rent to own with ZERO down, you will need to save up $ 15,000 over an average term of 3 years (for example) to qualify for that mortgage at the end of the term. That means saving $ 5,000 a year. If your rent to own allots, say, $ 200 a month towards your down payment, you would accumulate $ 7,200 over the three years. That means you would need to make up the balance, or $ 7,800 yourself. If you are unable to do this, you will not qualify for your mortgage and you will more than likely be asked to leave the house at the end of the rent to own term.

3. You will not build up any equity in the property (basically you are a renter (paying higher than market rents) with the hope that you can save up enough down payment and purchase the property at the end of the rent to own program. Equity is the amount of money you have invested in the property or earned on the value gain for the property. For example, if you put $ 10,000 down on a property, you automatically have $ 10,000 in equity in that property. If you put no money down , you have zero equity in the property.

4. In many cases (not all but many), you will be left to your own devices to …

The Relationship Between Insurance and Finance

Insurance and finance are closely interwoven fields of business, not least because they both involve money. They also often both involve speculation and risk, and often where one goes, the other will follow. Take property investment for example, it involves a large amount of capital out lay, swiftly followed by insurance to protect the capital investment. It would be ridiculous to spend such a vast sum of money on a venture and not protect it against possible damage. It therefore makes sense to store information on these two subjects together, as the relationship is so logical.

Insurance is a form of risk management used to protect the insured against the risk of a loss. It is defined as the equitable transfer of the risk of a loss from one entity to another in exchange for a premium. There are different types of insurance for just about every conceivable event. The most common insurance is probably life insurance, which provides a monetary benefit to a decedent's family or other designated beneficiary.

It can cover funeral or burial costs and can be paid out to the beneficiary in either a lump sum or as an annuity. Property insurance is one of the more necessary insurances as property is extremely expensive and if it is lost or damaged for some reason (fire, earthquake, flood) it can be very difficult to replace without adequate reimbursement. Travel insurance used to be seen as an unnecessary expense and is still viewed as such by many. Its importance is, however, being considered recognized by the public at large. It is cover taken by those who travel abroad and covers certain unforeseen events such as medical expenses, loss of personal belongings, travel delays etc. There are numerous other types of insurance, too many to mention, all vital if you want to protect something of particular importance to you or another.

In the world of finance there are many sub-categories, also too numerous to mention but a few will be included here. Forex, or the foreign exchange market wherever one currency is traded for another. It includes trading between banks, speculators, institutions, corporations, governments, and other financial markets. The average daily trade in the global forex is over US $ 3 trillion.

Tax consulting usually involves CPAs and tax lawyers in addressing any tax issues that you may have. There may also be Professional Strategic Tax Planners and Enrolled Agents, depending on the company that you hire. They will help you reduce your tax debt, eliminate tax penalties, an innocent spouse claim, tax liens, bank levies, and preparing unfilled tax returns, as well as any other tax resolution problem that you might have.

Property investment is usually when an investor buys property with an eye to generate profit and not to occupy it. It is an asset that has been purchased and held for future appreciation, income or portfolio purposes. In some instances an investment property does not have to be held for profit, as some landlords in New …