Category Archives: How to Buy Foreclosed Home

How to buy foreclosed home has articles on government foreclosures, bank foreclosures, pre foreclosures, court house step foreclosures, and more. You will learn how to invest in foreclosures using various real estate investment methods. There is in depth information on where to find foreclosure listings. You will learn how one type of foreclosure differs from another, and which one is best for your situation.  Where to find money to invest is also covered, as is how to find a good lender, and how to find a good real estate agent. Short sales are explained in detail. How to sell your foreclosure after you buy it is spelled out for you. There is also techniques on how to buy privately owned homes too.  The best foreclosure websites are revealed to you. How to find deals where no down payment is needed, and where closing costs can be paid for you.  Every aspect of the foreclosure process is spelled out for you.

Average Retirement Savings Age

Have you ever wondered at what the average retirement savings age is? Have you ever wondered how much money most people have for retirement at different ages?

What retirement vehicles or savings plans do most people take advantage of, if any? What are the best savings plans for retirement?

Are there retirement savings plans that are available that don’t require hiring a retirement planner? Are there retirement plans that can be started with very little or even zero money?

I will answer all of these questions for you, and provide information on retirement savings that may surprise you.

Average Retirement Savings Age

I have often wondered what the average retirement savings age is.  Should I have started saving for retirement in my 20’s in order to ensure a comfortable retirement? Would starting in my 30’s be soon enough? How about 40’s? 50’s? Later?

You may be surprised to learn that one third of Americans never save for retirement. That is 33 1/3% of Americans never start to save for retirement, and have zero money saved for retirement once they reach retirement age, around age 65.

Broken down by gender, 30% of men have no retirement savings, and 38% of women have no retirement savings.

56% of Americans have less than $10,000 saved for retirement. That is more than half of the population of the USA have less than $10 grand saved for retirement.

However, the news is somewhat better for those that do save for retirement, although perhaps still not enough to ensure a long, comfortable retirement.

Average, and median retirement savings by age:

20’s: The average retirement savings numbers for those in their twenties is $31,000 according to retirement research, and financial investment companies. This number is skewed high due to some that have significant savings.

The median or the most common middle amount of retirement savings for twenty somethings is about $500. The goal is to have one year’s salary saved by the time age 30 is reached.

The average salary for a 20 something is approximately $40,000 per year. Again, this number is skewed higher. The median income is in the $20,000 area.

30’s: The average retirement savings numbers for those in their thirties is approximately $42,000 with a dramatic increase with those in their later 30’s. The median or the most common middle amount of retirement savings for thirty somethings is about $4,200.

Investment companies recommend that by the time age 40 is reached, you should have three times your salary in retirement savings in order to stay on track for a sufficient retirement.

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40’s: The average retirement savings numbers for those in their forties is approximately $75,000 with less for the early 40’s and more for the later 40’s. The median or the most common middle amount of retirement savings for forty somethings is about  $6,200.

The financial industry advises that once you hit the mid century mark of 50, you should have 4 to 5 times your salary saved for retirement, so that you are on pace for a reasonably cozy retirement.

50’s: The average retirement savings numbers for those in their fifties is approximately $140,000,  again with more for those in their later 50’s, and less for those in their early 50’s.

The median or the most common middle amount of retirement savings for fifty somethings is about $11,000.

The retirement planning experts profess that by the time you hit your sixties, you should have accumulated some 6 times your wages, so that you can have a stress free retirement.

60’s: The average retirement savings numbers for those in their sixties (60-65) is approximately $175,000  The median or the most common middle amount of retirement savings for sixty to sixty-five somethings is in the  $,19,000 range.

The ideal recommended amount for retirement is $1 Million Dollars which the vast majority of Americans fall woefully short of.

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Best Age to Start Saving for Retirement

The best age to start saving for retirement is the day that you start working and start making making money. Possibly this is better stated as, as soon as you possibly can.

For most people this is around sixteen years old. You may be thinking that at 16 you are not making enough money to put any away for retirement. Besides, at sixteen you still have a long time before you retire.

The good news is, there are painless ways to save for retirement even at the beginning of your work life. Time is your greatest ally when it comes to saving, and planning for retirement. The sooner you get started, the easier it can be.

But what if you are older, I can hear you saying? What if you are 50, and you haven’t saved much money, if any?

The best age for you is whatever age you are. Just get started. As long as you have some source of income, you can get started saving for your retirement right away.

Even if you are 60 years young or a bit older, you can still accumulate some significant retirement funds within 6 or 8 years if you take action now, and are consistent.

This is especially important if your occupation does not provide a retirement plan that you can take advantage of. However, even if you do have a retirement plan at work, you can do a lot to supplement it with your own efforts.

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How to Free Up Money for Investing for Your Retirement

The best way to free up money for investing for your retirement is to make more money. If your prospects for that promotion and raise at work are non existent, and you don’t think you can make more money elsewhere, there is always the possibility of taking a part-time job.

There are part-time jobs that are available both online, and offline. You may not even have to leave home to supplement your income, if you can work online.

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If you are already worked to a frazzle, and cherish every moment of your time off, your best bet is to tighten your belt. Look for things that you are spending money on that you don’t need, or are more than your need that you can do without.

If possible, you may be able to sell your existing home, and downsize to a less expensive home, condo, or apartment to free up some proceeds.  Or, consider refinancing your current mortgage to lower your monthly payments.

Maybe you can get by with one car instead of two.  Or sell the big family gas guzzler, and buy a fuel efficient economy car.

Perhaps form a carpool group to commute to work instead of driving and burning gas everyday. Shop at discount stores instead of paying full retail for groceries, clothes, and other items.

Do without that $6 cup of latte at the corner coffee shop in the morning. Make coffee at home instead.

Do you really need cable tv with it’s 200+ channels?  Save money by getting by with basic cable, or eliminate it altogether. You can get your news, weather, sports, and even movies right online.

Try to focus on things that you need versus things that you want. With a little discipline, you might be surprised how much extra money you can release for retirement savings, and other things.

Painless Ways to Build Retirement Fundsaverage retirement savings age

There are many great ways to plan for retirement. Unfortunately, most of these ways require at least some money in order to get started with them. You can also take advantage of retirement plans at work if you are lucky enough to have a job that offers one.

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But what if you have little or no money? What if you have a job that doesn’t offer a retirement program for it’s employees? Is there anything I can do to get started saving for retirement that doesn’t cost a lot to get started, is simple, and easy to understand, and that is not bothersome to set up?

The answer is a resounding yes. There are some simple, easy, trouble free things you can do right away to get started on your way to helping your finances for your later years even if you don’t make a lot of money, and are on a very tight budget.

The least painful way to begin is with microsavings investing programs like Acorns. The way Acorns works is by linking to your credit card and bank account, and rounding up what your purchase amount is (spare change) to the nearest whole number, and investing the difference in a professionally managed retirement account that Acorns has set up for you.

Acorns charges a reasonable $1 a month flat fee for account balances up to $5000. For accounts larger than $5000, a yearly fee of 0.25% is added.

Still very reasonable. Your Acorns account is insured by the Securities Investor Protection Corporation (SIPC) for $500,000

Acorns also offers you a free $5 to get started, and you can earn a $5 referral bonus every time you tell others about Acorns and they join from your referral link. Your referral will also get a free $5 to sign up.

It is not required to tell others about Acorns. If you choose, you can simply join, and take advantage of it’s great features.

You can also add to your Acorns account at anytime, and you can also set up a monthly withdrawal through your bank account or debit/credit card to automatically add to your Acorns holdings.

Acorns also provides other managed accounts once your balance reaches certain levels. These accounts are optional.

If you think that investing such small amounts of money will never add up to anything substantial, think again.

These micro savings accounts are very popular, especially among millenials. Over 2 million millenials are members of Acorns. You need not be a millenial though to take advantage of this brilliant program.

The sooner you get started the better, and like with any retirement program, the more time you have until retirement, the better opportunity you will have to generate large sums of funds.

The beauty of this plan is that you will never miss the money that you automatically invest in Acorns. You will also be able to benefit from the investment strategies of the professional management they provide.

Some of the investments that Acorns uses pay dividends. These dividends are reinvested for you to help your balances to grow even faster.

Acorns can be taken advantage of no matter what other investments you may have. The way I look at it is, the more you can save for retirement, especially if you won’t miss the money, the better.

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My Favorite Retirement Investmentaverage retirement savings age

If you have a little money that you can use for a retirement investment, I highly recommend No Fee DRIPs. No Fee DRIPs are dividend reinvestment plans or programs.

For around $100 minimum, you can invest in one of these DRIP programs that automatically reinvest the dividend for you into more stock in the company.

The No Fee DRIPs charge no fees to get started or for subsequent investments within the DRIP. The only fees are charged if you choose to sell the investment.

You can choose to reinvest some of the dividend in more stock, and take a partial dividend payout. Or, you can choose to take the entire dividend payout. Or, you can choose to have the entire dividend reinvested in more stock for you.

This works on the principle of compound interest, which is a very powerful wealth building concept.

Learn more about DRIPs here.

Think about how quickly the last year, two years, five years went by. It won’t be long before you are nearing your retirement age. What you do today can have a profound effect on your later life.

You don’t ever want to have to say, “I didn’t plan to fail, I just failed to plan. “

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How to Commodities

how to commodities

How to Commodities.  What are commodities? What are futures? Are they the same? The short answer is yes. Some may argue that they mean subtley different things, but for the majority of intents and purposes they are one and the same, but at the very least they are interrelated.

Technically they could be construed differently but I believe, as do many others that they are the same thing. So what are commodities? Commodities are defined as a primary agricultural product raw material that can be bought and sold, such as silver or wheat.

Although commodities have been traded as far back as 17 century Japan where rice tickets were traded, the US commoditiy markets started in 1848, which is the year the CBOT, Chicago Board of Trade came into being. .Commodities are also known of as derivitives.

Commodity markets or futures markets were set up to help the farmer of the commodity which initially was only grains, specifically corn, wheat, and soybeans.

The idea is that if the price today is acceptable to the farmer of a commodity, but he will not be able to deliver his crop for months down the road, he can lock in a price that he can make a profit with by utilizing the futures market.

The farmer sells futures contracts for delivery in the future for the equivalent amount of his expected harvest. So, even if the price of the commodity goes down in the mean time, he is assured of getting his price when he is ready to harvest and sell his crop. This is also known as hedging his risk.

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The negative aspect for the farmer by hedging his risk with futures is that the price he agrees on will be the most he can realize when he is ready to deliver.

In other words, if the price of the commodity that he provides goes above the price he agreed to, he will lose out on the extra profit.

Now, if he utilized options on futures, he could participate in an upswing in prices.

Who Trades Futureshow to commodities

Only 3 percent of futures contracts traded are transacted by those that actually provide the specific commodity. The rest, 97% are traded by speculators, or investors.  Speculators or investors are those that are looking to make a profit by trading commodities/futures.

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Futures are often used by financial managers that have or manage large financial instrument portfolios in order to offset their risk, and maximize their return potential.

The sad truth is that only 15% of farmers use the commodity markets at all. This is despite the fact that these markets were designed for them, and can greatly enhance their ablity to stay in business and to prosper, if utilized properly.

A common denominator among many farmers that have been unable to maintain their farms, is they did not take advantage of the commodity/futures markets.

Speculators provide a very important service to the smooth operation of the futures markets. They provide liquidity. This liquidity allows for the ability to buy or sell futures easily as another speculator is there to take the other side of the trade.

Speculating in futures is a very risky proposition. It is estimated that 90% of investors lose money in the futures markets. 90%! However, many people have become very wealthy from trading these markets.  These markets are highly leveraged, which means a small amount of money can turn into a large loss or a large gain.

Bottom line is, you better know exactly what you are doing before you tread here in commodities. My intention is not to scare you away from futures, but to make you understand people can and do lose money.

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How to Futures

In order to learn how to trade futures we must first understand more about them. There are two main types of futures. Futures that are traded for physical delivery are the agricultural types such as corn, wheat, soybeans, and others.

Financial futures, on the other hand, are settled in cash, or cash delivery. These types include stocks, bonds, indices, currencies, and others.

Futures are traded at commodity exchanges. The most well known, and largest of which is the Chicago Board of Trade, or CBOT.  The Chicago Mercantile Exchange, also known as the Merc, is also a well known, heavily utilized exchange.

There are also commodity exchanges in New York, Philadelphia, Kansas City, and elsewhere in the U.S. Many other countries also have exchanges where futures are traded.

Within these exchanges are pits or trading areas where a specific commodity is bought and sold. If you have ever seen one of the trading pits in action, it looks very chaotic, and unorganized. In reality though, it is anything but chaotic, and unorganized.

The traders in these pits are placing orders that come primarily from commodity brokers for their clients.  These clients can be speculators or those involved in the underlying commodity such as farmers, grain merchants, and others.

Speculators or investors utilize many of the commodity trading tools that their commodity brokers supply. These trading tools include both technical, and fundamental information about a specific commodity.

Technical tools include charts that show prices, open interest, volume, moving averages, convergence/divergence, and other indicators.

Fundamental analysis includes news reports, farm reports, weather reports, and other information that can affect the supply and demand, outlook, and prices of a certain commodity.

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Speculators normally use a combination of technical analysis, and fundamental analysis, to guide them in their trading decisions.

Important commodity/futures trading terms:

Contracts:  These are what are bought and sold in the futures market and represent a certain quantity of the commodity that is traded.

Volume: represents the total amount of futures contracts that have been bought, and those that have been sold in one day.

Open Interest: the total amount of pending or outstanding contracts that are currently held by those in this market at the end of the day.

The various commodities that have futures markets include (heaviest traded):

Agricultural: rice, corn, wheat, soybeans, soybean oil, oats, cotton, coffee, sugar, orange juice

Livestock and Meat: live cattle, feeder cattle, lean hogs, pork bellies

Energy: heating oil, crude oil, gasoline, natural gas

Metals: gold, silver, platinum, palladium, copper

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Commodity Brokers

Commodity brokers are the folks that facilitate the trades that all traders make. There are full service brokers, discount brokers, and those that provide both full service, and discounted brokerage services.

Brokers have different rules, and qualifications for their clients. Normally, the full service brokers will provide many tools, and also help you with determing which trades to make.

The online discounted brokers may have some tools to assist you, but you are on your own when it comes time to decide what, and when to trade.

Some brokers may even let you place dummy trades, where no money is at stake but the conditions are the same as with a normal trade.

There are different fees involved with brokers. Even discounted brokers may have additional fees, so make sure you know and understand how you will be charged before you open up an account with any broker.

Commodity trading used to be the playground for the rich, and it still is, however, it is now possible for those with less substantial means to trade commodities. Some exchanges offer ‘mini contracts’ that require smaller monetary commitments than the typical futures contracts.

Also, trading options on futures can be less risky and less expensive than trading actual futures.

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Learn Before You Earn

If you are just getting started with commodities, and you have a strong interest or passion in this exciting area, I strongly suggest you invest in your commodities education before you even consider becoming a trader.

You will be better served to spend money and time learning the ins and outs until you feel comfortable with futures, before you spend money on actual trades.

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You can request basic commodity trading learning materials from many brokerage firms free of charge. You can of course also go online to find many excellent commodity education sources.

I suggest you try to find a mentor that has been, and is successful doing what you want to do, making money trading commodities.

The very best mentor that I have come across is the great Larry Williams. He is one of the most knowledgeable, and successful traders in this arena, and he has many years of experience.

Larry forgets more about commodities/futures than I know. He has written books, has online courses, and has a membership program that has a lot of members.

A trading coach may be the optimum way to learn to trade commodities. In order to take advantage of a trading coach, you should have a good, basic foundational knowledge of commodities going in.

Find someone that is already successful doing what you want to do, and emulate them.  Knowledge is power.

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From Humble Beginnings to High Finance

The commodity markets started as a way for a farmer to sell his crops at a local market.  They slowly evolved to include futures as a way for him to hedge his risk.

As time went on, more types of farm products were added in these markets. Soon other farm products such as cattle, and hogs were traded in the commodity markets.

Eventually energy products like crude oil, and metals like silver, and gold were included in the futures markets.

Today a myriad of financial instruments are also traded in the futures markets in exchanges all over the world.

Despite the fact that commodity markets were brought about to benefit the farmer, only 15% of farmers use these markets to assist their business.

Only 3% of all the contracts traded, are by those that perform delivery of the commodity. The other 97% of contracts bought and sold are done so by speculators.

Speculators normally use a combination of fundamental analysis, and technical analysis to determine what, where, and how to trade.

Commodity brokers provide various services to facilitate trades for their clients. There are discount online brokers that provide little support, and charge smaller fees, as well as full service brokers, usually off line that provide a good deal of support in exchange for larger commissions, and other fees.

In this highly risky playground of the rich, it is wise to educate yourself thoroughly in commodities, and futures, before you attempt to undertake an active trading strategy.

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How to Commodities

Gun Safes for Sale

Gun Safes for Salegun safes for sale

As of the year 2017 over 42% of American households own one or more guns. The number of guns manufactured per year in the U.S. is over 9 million.

According to the Congressional Research Service 2017 April report there are 300 million firearms available for possession, and transfer to, by people in the United States.

This is almost 1 gun for every US citizen, as our population is 327 million plus. There is also a direct correlation between the increase in the amount of guns legally owned, and the decrease in violent crime.

Perhaps you are a hunter that owns hunting rifles, and accessories. You may be a sport shooter that has guns for shooting skeet, or for other competitive or leisure shooting sports or activities. Or you may be a homeowner that simply  wants to protect your family, and your possessions.

Or you may be a combination or all three. Whatever the reason you own guns, you know it is imperative that these guns should be protected, kept from the curious hands of youngsters, and available to you in a moments notice should you need them to shield yourself, your family, and your home in a crisis.

The best way to accomplish this, is with gun safes.  I will also tell you the different types of gun safes, what makes one gun safe superior to another, and the different locks that are available on gun safes. I will also make recommendations to you for the best quality gun safes that provide the best value.

Gun Safe Typesgun safes for sale

The two primary gun safe types are gun safes, and gun cabinets for rifles or long guns, and handgun safes. Within these two types are many different variations.

The rifle or long gun safes, and gun cabinets are larger for obvious reasons. There are different interior configurations. Depending on how many guns you want to store, you can find a gun safe to accommodate them.

Many long gun safe interiors, in addition, have shelves for storage of ammunition, accessories, and other valuables. Also, some of these safes offer the ability to store more items on the inside of the safe door.

As these safes can take up a good deal of space, they may need to be placed in a basement, garage, or other area that offers plenty of room.

The new ‘front of the bed’ or ‘under bed’ gun safe that sits on the floor and extends the width of the bed has become a popular model in recent years. This convenient position allows for quick access to your long guns in the event of a home invasion, or other crisis.

Handgun safes or gun boxes are a different animal altogether. These much smaller safes are designed for storage of handguns or pistols, and for quick access.  Most handgun safes only offer enough space to store one or two handguns, and perhaps some ammunition, along with very limited space for accessories. gun safes for sale

Handgun safes can be bolted to the inside of a drawer, bolted on a floor (under a bed within close reach is a popular spot), or really anywhere there is a little room, clear access, and ideally the ability to secure it to a surface.

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What Makes a Good Gun Safe

Gun safes come in many shapes, sizes, types, interiors, and with various types of locks.  Your main considerations for a gun safe is fire protection, burglary protection, and locks that control the exterior door.

Generally speaking, the better the fire protection, burglary protection, interior climate control, and lock, the better the safe.

Fire Protection

Buying a safe that includes fire protection is a very real, smart, and important decision. In the United States alone, fires cause over $6 billion dollars worth of property damage every year.  A home structure fire occurs every 85 seconds.

Ideally, you want a fire rated safe that has the UL listing or designation, or the Intertek ETL Gun Safe Fire Label. UL stands for Underwriters Laboratory.

UL 1 Hour and 2 Hour Fire Labels.

U.L. Label/Class 350°F-one hour, and UL Label/Class 350°F-two hour. For the One Hour designation, the safe will maintain an interior temperature less than 350°F when exposed to fire for a period of one hour at 1700°F.

For the Two Hour designation, the safe will maintain an interior temperature less than 350°F  for a period of two hours when exposed to fire at 1850°F.

The safe must also pass all requirements for the Fire Endurance Test, the Fire/Impact Test, and the Explosion Hazard Test.

Intertek ETL Gun Safe Fire Labels

Intertek ETL is the safe industry’s leading independent testing laboratory for fire ratings of gun safes.  They have a stringent 45 minute, 90 minute, and 2 hour fire rating.

If you don’t see either the UL label or the ETL label on the ‘fire’ safe, you can not be certain that any fire testing was done reliably, and it could well mean inferior fire protection.

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Burglary Protection

A burglary safe is designed to resist and deter a break in of the safe. There are also safes that are built with both fire protection and burglary protection.

A fire rating on a safe is a test classification, as opposed to a burglary rating on a safe which is a construction classification. These different ratings were established by the insurance industry to provide a standard of protection.

The various typical Burglary Protection Classes are:
(Minimum characteristics)

B Rate: 1/4″  thick steel body, 1/2″ thick steel door

C Rate:  1/2″ thick steel body, 1″ thick steel door

TL-15: The requirements for a TL-15 are a UL listed Group ll combination lock, or type 1 electronic lock. Body walls of at least 12 gauge open hearth steel or material equivalent to it. Door at least 3/16″ open hearth steel or material equivalent to it. These safes also have fire protection.

TL-30: The requirements for a TL 30 are U.L. listed Group 2M, 1,1R combination lock or Type 1 electronic lock. Safe body walls of at least 1″ open hearth steel with a minimum tensile strength of 50,000 P.S.I.   Safe weight must be 750 pounds minimum, or comes with instructions for anchoring in a larger safe, concrete blocks, or on the premises where used.

The TL-15, and TL-30 designation safes are primarily utilized in a commercial application.

Gun Safe Interiorsgun safes for sale

Gun safe interiors are designed to accommodate a certain number of long guns, so that they can be stored upright. There is often, depending on the size of the safe, additional shelving, and interior compartments along with the long gun storage configurations.

The inside of the exterior door can be ordered to contain more storage capability such as for handguns, and accessories. There are also interior climate control options.

Using a dehumidifier to keep the moisture away from your guns is a popular choice.  In addition to gun storage, gun safes are also often used to store and protect other valuable such as cash, coins, and jewelry.

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Locksgun safes for sale

There are many different types of locks that control the exterior door of your gun safe, as well as different locks for any interior compartments you may want to include, although most interior compartments are controlled by a single key lock.

The old stand by combination lock is still used on many safes, but the electronic key pad lock has overtaken it as the lock of choice.

The electronic key pad lock allows for quicker access, and offers additional features that the simple combination lock doesn’t.

The electronic key pad lock can either be a basic lock with a single input code capability, or it can have multiple functions such as multiple user, time delay, dual custody, and armored car override.  Most electronic key pad locks come with a battery power source.

Some electronic key pad locks are available with External A/C Power: Provides power for unlimited use with battery power as backup.

Another popular lock with gun safes is the biometric lock. The biometric lock can be opened by simply inserting your hand into an opening. It works by being programmed to identify fingerprints, and allows for quick entry into the safe.

This will limit entry only to those preprogrammed for it, and can be very valuable when you need to get to your guns right away, such as during a break in at night, or other crisis situation when remembering your code, or fumbling around for your keys can be difficult, noisey, and time consuming.

These biometric locks normally can be programmed to allow for multiple users to access the safe, so that you can permit family members admittance to your safe, if you so choose.

Gun Safe Recommendations

There are many fine gun safe manufacturers, and many very good quality gun safes on the market today. By making a recommendation I am by no means attempting to downgrade the other makers of gun safes. Two of the best known gun safe companies are Browning, and Fort Knox.

However, from my 20 some years in the safe business, I have been able to experience many of these gun safes, and one brand in particular stands out to me as far as quality of workmanship both on their safes, and their locks. Many safe manufacturers don’t make their own locks.

They must add the lock from a different company, which makes you, the consumer, have the added hassle of dealing with two separate companies, one for the safe, and one for the lock, for warranties, and support.

The company I recommend does make their own locks. This company also has an 800 phone number on the safe direct to the 24 hour a day, 7 day a week, and 365 day a year service department to support both their safes and their locks.

The other great feature to this company is they build their safes right here in the good ole US of A. They have a huge factory, and have been in business for many years. They are one of the oldest and most respected safe manufacturers not just in the US, but the entire world.

They also have a great selection of safes and locks, and accessories. The name of this phenomenal safe company is Amsec, which is short for American Security. So, whether you are looking for a gun safe, a gun cabinet, a handgun safe, or any other type of safe, You won’t do better than Amsec.

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All Gun Owners Need a Gun Safegun safes for sale

American households own more guns than ever before. It is a documented fact that the proliferation of legal gun ownership has a correlation to the decrease in violent crime.  Gun owners may be hunters, sport shooters, or keep their guns for protection of their family, and home, or a combination of all three.

Your guns should be protected, kept from the curious hands of youngsters, and available to you in a moments notice in the event of a crisis situation.

There are rifle or long gun safes, gun cabinets, and handgun safes.  The long gun or rifle gun safes have different interior configurations which are based on the amount of guns that need to be stored.  Based on their large size, and weight, these safes need a good bit or room to be placed in like a basement or garage.

Handgun or pistol safes or gun boxes are much smaller, and generally can only hold one or two handguns, and a small amount of ammunition, and accessories. These safes take up little room, and can be placed, and bolted to a drawer, or to the floor.

A good gun safe will have UL listed or ETL listed fire protection, and B rate, C rate, TL-15, or TL-30 burglary protection. The various locks available on gun safes include combination locks, key locks, electronic key pad locks, and biometric locks.

Gun safes are available with various interiors. These interiors can be ordered to accommodate a certain number of long guns. They can also have shelving, and interior compartments for storage of accessories, and other valuables. A dehumidifier is also an option.

There are many great gun safe companies out there. Two of the best known are Browning, and Fort Knox. My highest recommendation for quality, and value goes to Amsec, or American Security Products Company, a US company.  Amsec has a complete line of quality gun safes for sale, handgun safes, home safes, commercial safes, and accessories.

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Home safes

How to Buy Motorhomes

Gun safes for sale

Kitchen Faucet – Repair and Installation

Kitchen Faucet – Repair and Installation

Your kitchen faucet has evolved over the years to include many different varieties, finishes, features, and extras. Yet, the functionality and installation of your kitchen faucet has remained mostly unchanged.

“Kitchens sell houses” is a statement that many Realtors live by, and the type of faucet you have in your kitchen may seem like an insignificant consideration.

Truth be told however, it can mean the difference in selling your home quickly and for top dollar, and never getting an offer.

As a Realtor for many years, I have studied the buying habits of people quite closely. It is true that kitchens sell homes. It is also true that if the woman does not like the kitchen faucet, it is a safe bet that it will be on to the next home on the list.

This is true even despite the fact that changing out a kitchen faucet is not, in most cases, a big job.

I will describe how to fix a leaky kitchen faucet, how to replace a kitchen faucet, and when to know it’s time to call a plumber to do the job for you.

kitchen faucet

How to Fix a Leaking Faucet

Plumbers can be expensive, sometimes very expensive. Many plumbing repairs are relatively simple, and inexpensivly accomplished.

Many of these repairs can be done by the homeowner given a few basic tools, and some plumbing knowledge. There is however, a limit to what the uninformed, ill prepared homeowner should undertake.

The first thing we need to know is where the faucet leak is coming from. Is it coming from the base of the faucet? Is it coming from the handle? Is it coming from the nozzle or spout?

Two Handle Faucet Leak from Nozzle/Spout

Is the leak coming from the nozzle? (Single handle or two handle faucet) This is the most common kitchen faucet leak. If it is a two handle faucet where there is one handle for the cold side, and one handle from the hot side, and the leak is coming from the nozzle, put your finger under the nozzle to see if the drip water is cold or warm to hot.

This is also applicable for most two handle bathroom faucets.

If the water is warm to hot, you know that the leak is coming from the hot handle. Conversely, if the leak is cool or cold water, you know the leak is coming from the cold handle.

In this type of leak where the water is dripping from the nozzle on a two separate handle faucet, the most likely culprit is a  valve seat washer and/or the valve seat.

Once you have determined which side the leak is coming from, go under the sink, and close the shut off valve on the corresponding side.

Make sure it is shut tight. You can also shut the water off at the main, to be sure.  The main shut off valve is normally located close to where the water line comes into the house. Usually in a basement.

With the water shut off,  turn on the faucet to bleed the line of any residual water. Once this is done, you will need a screwdriver to pry the H or C button off the top of the handle.

You will then need either a phillips head screw driver or a slotted head screwdriver to unscrew the screw that is holding the handle on to the .

Then remove the handle (you may need a handle puller if it is stubborn). You will then need a pair of pliers or an adjustable wrench to remove the valve from its base.

Once you have removed the valve, turn it upside down, and you should see a black washer at the valve’s base. It will likely have a large furrow in it, or it may be even more damaged.

If you place your finger in the hole in the faucet, you should feel a raised seat that has chips in it, or has an uneven surface. At this point you have some options.

You can buy a seat resurfacing tool at your local plumbing supply, and a new seat washer. (Be sure to bring the seat washer or the entire valve in to make sure you get the right size)

Use the tool to smooth out the pitted, uneven seat. Replace the seat washer, and reinstall the valve, and the handle. Turn the water back on, and see if the leak is fixed.

Another option is to buy a seat removing tool at your local plumbing supply store. This tool is usually less than 10-12 dollars.  Remove the seat at the bottom of the hole opening in your faucet.

Bring the seat back into the plumbing supply store, and buy a new seat, and seat washer. Install the new seat into the hole in the faucet.

Replace the old seat washer with the new seat washer, and reinstall the valve back into the opening in the sink, and reinstall the handle. Turn the water back on under the sink, turn the water on at the handle, and see if this fixed the leak.

You can also try replacing the entire valve, but if the new seat and washer didn’t fix the leak, it is not likely that a new valve will either, at least not for the long term.

The new washer at the base should work for a while, until the pitted seat forms a new furrow in the washer, and allows the water to leak through again to the nozzle.

If none of these options fix the leak, it is time to look for a new faucet.

Two Handle Faucet Leak at Handle

If you have a leak coming from the handle itself, it is usually an o-ring on the valve that is to blame. Follow the steps above, remove the valve, and either remove the o-ring on the valve and take it to your local plumbing supply for a new one, or take the entire valve into the plumbing supply for a new o-ring.

You may want to pick up on o-ring pic at the plumbing supply or hardware store, but a pin can also do the job. It is a good idea once you have the valve out, to inspect the seat washer to see if it may need to be replaced also.

In addition to the new o-ring, you will need a little plumbers grease to apply to the outside of the new o-ring to ensure easy reinstallation of the valve.

This should stop the leak, but if not, you can try a new valve. If a new valve doesn’t work, it’s time to look for a new faucet.

Single Handle Faucet Leak from Nozzle

kitchen faucet

If you have a single handle faucet where the water temperature, and volume is contolled by a single handle, and the leak is coming from nozzle, you are likely in need of a new single handle repair kit.

Go under the sink, and shut the water off on both sides, the hot side, and cold side. Depending on the maker of the faucet, you should be able to unscrew the nozzle at or near the base of the faucet.

If you use a wrench, use a cloth between the wrench and the faucet to keep from scratching the finish of the faucet. You will also need an hex key set or an allen wrench if your faucet has an allen screw at the back of the handle, which many do.

This should reveal a ball with a stem on it, some rubber barrel type washers, and springs. Note how they are installed, then remove all of these, note the manufacturer of your faucet (you may even want to take a picture of the faucet), and take them to your local plumbing supply.  Buy the correct repair kit, install it, and reattach the faucet nozzle. Turn the water on under the sink, and see if the leak is fixed.

If it isn’t, check to be sure you have the correct repair kit.  If you do have the correct repair kit, and it doesn’t fix your leak, it is time to look at a new faucet.

This is the set up for many single handle kitchen faucets like Delta, and others.

Some single handle kitchen faucets like Moen use a cartridge instead of the ball and stem, rubber washers, and springs. You should approach the repair in the same way, and replace the entire cartridge if applicable.

Single Handle Faucet Leak at Base of Handle

If there is a leak coming from the base area(at bottom of single handle), it is usually an o-ring that goes around the inner section of the base, and the inner wall of the faucet. These o-rings, depending on the manufacturer are usually included in the repair kit.

There also may be a ball with a stem on it that may be the culprit, and may need to be replaced. Again, it depends on the maker of the faucet. Best rule of thumb is to replace the simple, inexpensive parts first, and try the other parts if not successful with the simple ones.

If you have a leak coming from the very bottom of the faucet. (Usually a large rectangular piece that runs along the sink) Follow the instruction above about turning off the water to the faucet. Go underneath the sink, and you will see two or three nuts that secure the faucet to the base of the sink.

Unscrew these nuts, and pull the faucet away from the sink at the top. (You may have to unscrew the water supply lines that are attached at the bottom of the faucet.)

Gently pry the rectangular base away from the faucet. Inspect the rectangular base to make sure there are no cracks, holes, or deterioration.

If not, clean any residue on the area of the sink where the faucet base was sitting. Buy some plumber’s putty from your local plumbing supply, or hardware store. Apply a ring of plumber’s putty around the inside bottom of the base. Reattach, and tighten the nuts that you loosened. Also reattach any supply lines you may have undone.

This should fix the leak. If it doesn’t, it’s time to look for a new faucet.

How to Replace a Kitchen Faucet

kitchen faucet

Replacing a kitchen faucet with a new kitchen faucet is, in most cases, a relatively easy job. This is assuming that the shut off valves under the sink that the control the hot, and cold lines are working properly, and not deteriorating.

This is also assuming that your supply connections under the sink are not soldered together. If you encounter soldering, it’s probably time to call a plumber.

If the supply line valves are working fine, and looking fine, and there is no soldering to the bottom of the faucet,  go ahead and shut the supply valves off.

You may also want to shut the water off at the main just in case. With a pair of pliers, or an adjustable wrench, unscrew the supply lines from the shut off valves, and from the bottom of the faucet.

You will also need to unhook/unscrew any sprayers your faucet may have.

You may also need a plumber’s wrench with a swivel head to help remove the nuts that secure the faucet to the sink. This will depend on the amount of space you have underneath to access the faucet.

Don’t discard the supply lines as you will need to take those with you when you buy your new faucet, so that you will know the size of the thread on the shut off valves for your new supply lines.  I strongly suggest you buy new supply lines even if the existing supply lines look fine.

Supply lines are normally inexpensive, and you don’t want to risk that your existing supply lines are worn out from the inside from being under pressure. You may have to change them anyway depending on the size of the new faucet hook ups.

Unscrew the nuts that are holding the base of the faucet to the sink from underneath.  This should release the faucet from the sink. You may have to pry the base of the faucet from the sink using a putty knife or a slotted head screwdriver.

Once you have the faucet free from the sink, you can either take the entire faucet with supply lines with you into the plumbing supply or home store to buy your new faucet. This will allow you to buy a faucet that will fit your existing sink dimensions.

If you would rather take measurements, or if you want to buy your faucet online, just measure the distance from the middle of the main holes (hot side to cold side) on the sink or from the middle of the holes on the faucet. This distance is usually 8 inches, but it can vary depending on the faucet brand, and type.

At this point you just need to know what type of new faucet you would like to buy. Most plumbing supply stores, and home stores will have displays set up for you, and knowledgable sales people to help you find a faucet that will provide the look and the features that you want, at a price that you can afford.

Be sure to also pick up some new supply lines, and a tub of plumbers putty for reinstallation of the faucet. Apply the plumbers putty around the inside of the base of the faucet to keep any residual water from leaking on to your counter tops.

A roll of teflon tape to put around the threads of the shut off valves, and around the threads of the hook ups to the faucet is also a good idea. The teflon tape will ensure a leak proof seal.

Prices for new kitchen faucets range from about $25 to as much as $4000. It is very possible to find a good quality kitchen faucet for under $50. I would stay away from generic brands, and stick with a good brand name faucet that will have a warranty, and that will have parts available should you encounter a problem.

 

Your Options

kitchen faucet

With a few tools, a little know how, and some determination, you can fix, and install a kitchen faucet. You can also check out some good YouTube videos on the topic for more information, and advice.  If, however, you find the task daunting, finding someone to fix or install the faucet for you is only a phone call away.

To save money, you should buy the faucet yourself, and then have the plumber, or handyman install it for you.  In most cases you will save the plumber’s mark up this way.

 

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When Can I Collect Social Security

When can I collect Social Security is a question many people ask as they hit their 50’s and beyond. For those of us that are nearing retirement age, having a retirement plan in place is vitally important.

The Economic Policy Institute reports that the vast majority of Americans have less than $1,000 in savings, and half of all Americans have put away nothing at all for retirement, even in retirement savings vehicles such as 401k’s, and Individual Retirement Accounts or IRA’s.

35% of American adults have only $400 in a savings account, and 34% have no savings at all. Less than 13% of Americans have a pension plan in place.

In a survey by Bankrate, 22% of Americans said their biggest financial regret was not getting started saving for retirement earlier. So, how will seniors, and almost seniors deal with this?  According to Gallup Polls and others, many Americans expect to rely more heavily on Social Security, and contributions from children, and other relatives.

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History of Social Security

Originally called the Economic Security Act, the title was changed as Congress considered the bill, Social Security Act was signed into law by FDR, President Franklin Delano Roosevelt on August 14, 1935. This act was designed as a social insurance program to provide a continuing income for retired workers 65 years of age or older.

Social Security taxes were collected for the first time in January of 1937, and the first lump sum, one-time payments were made in the same month.  January 1940 was the beginning of on-going, regular benefit payments. Originally, only the primary worker was paid Social Security benefits.

The first person to get Social Security benefits was a man by the name of Ernest Ackerman, whom received a lump sum payment of .17 cents in 1937.

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A law change in 1939 included survivors, and the spouses and children of retirees to collect benefits. In 1956 Social Security Disability benefits were also added.  The original 1935 law also included the first unemployment compensation program, Aid to Dependent Children program, and health and welfare aid to various states.

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Cost of living allowances, COLA, became law in 1972, and was initially paid in 1975. Before this, it took a special act of Congress to increase benefits, and happened on an irregular basis.

November 1936 is when Social Security numbers were first issued. Since this time over 453 million numbers have been issued.  From 1937, when payments were first issued, until 2009, Social Security has taken in $13.8 Trillion Dollars, and paid out $11.3 Trillion Dollars.

By law, the the Social Security Trust Funds program assets must be invested in securities guaranteeing both principal and interest. These Trust Funds hold a mix of both short-term and long-term government bonds.

The Trust Funds can hold both ‘special obligation’ securities issued only to federal trust funds, and regular Treasury securities. The majority of the securities in the Social Security Trust Funds are ‘special obligation’ type securities.

In 2015, the program paid benefits to more than 60 million people, made up of 43 million retired workers along with their  dependents, 6 million survivors of deceased workers, plus 11 million disability claimants, and their dependents.

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Current State of Social Security

You may have heard that Social Security is going broke. This rumor simply isn’t true.  According to the 2017 Actuarial Status of Social Security Trust Funds, Social Security isn’t bankrupt or even running out of money. In fact it is currently running a surplus, and is said to be solvent until at least 2034.

You can rest assured that Social Security will be there when it’s time for younger baby boomers, Millenials, Generation Xers, and even younger generations to claim their benefits. There are, however, other schools of thought regarding how sustainable the Social Security Trust Fund really is.

Some feel that after 2034, due to the large amount of draw from the baby boomer generation, that going forward it could cause too large a burden on the system to continue to pay out in full.

Others argue, that due to the smaller family unit of recent, and current generations, as well as abortions reducing the number of potential claimants, that the demand for Social Security will be less. This smaller demand should enable the program to continue with little if any reduction.

When Can I Collect Social Security

The soonest someone can collect Social Security benefits is age 62, as long as you have paid into the program for a minimum of 40 quarters, or approximately 10 years.  Full retirement age is 65 – 67 depending on your date of birth.

For each year you delay in taking your pay out, your benefit amount increases by about 8% until age 70.

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The latest someone can start to collect Social Security benefits is age 70.  If you elect to start taking your benefits at age 62, you will receive a reduced rate at 75% of the full monthly benefit.

The monthly amount you will receive will depend on how much you have paid into the system, and for how long.

If you are a spouse, you will receive 35% of your spouse’s benefit if they begin to take it at age 62. If your spouse waits until full retirement age, you are then entitled to 50% of your spouse’s monthly benefit. Only one spouse can take the spousal benefit.

You can also receive spousal benefits based on an ex-spouse’s benefits as long you were married for at least 10 years, divorced for at least 2, and not remarried, even if they have never filed for Social Security.  Widows, and widowers can collect survivor benefits starting at age 60.

You can also work and collect Social Security benefits starting at age 62. However, if you are under your full retirement age, your benefit will be reduced by $1 dollar for every $2 dollars you earn that is over the yearly limit amount, which for 2018 is $17,040

Your Social Security benefit income may increase as your work continues. Your income will be looked at every year, and you will be informed if there is an increase.

Starting with the month that you reach full retirement age, you can receive your benefits with no limits on your work earnings.  Earnings are considered wages from your job, or from your business, net earnings are taken into account.

Interest, investment income, annuities, pensions, veterans or other government retirement income are not counted.

For more information considering your Social Security, go to: http://ssa.gov

Other Retirement Plans

Social Security was designed to be a supplementary program to your retirement savings, and/or your retirement pension. It was not designed to be a stand alone program.  The truth is though that Social Security is a stand alone program for many people because they have not saved for, or set up a retirement plan.

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“We didn’t plan to fail, we just failed to plan.”

I realize that it is not always easy to set up a plan, and stick to it. Life happens, and priorities dictate how the finances are handled. However, most of us, if we live within our means, and devote even a small amount of money monthly towards retirement, we can accumulate some funds that will assist in retirement.

Time is your biggest ally.  The sooner you get started with a focus on your retirement, the better chance you will have to provide yourself with a comfortable life in your later years.

If you have some years before you are ready to call it quits in the work a day world, I strongly suggest you attempt to set something up. Talk to a financial planner at your work if they offer a plan, or talk to a financial planner on your own, or someone else that you trust in the finance/retirement plan area.

If you just want to go about it on your own, I recommend you look at dividend stocks, and more specifically, DRIP stocks. DRIPs are dividend reinvestment programs.  Some publicly traded companies allow for their stock dividends to be automatically reinvested in the purchase of more stock, instead just paying out the dividend.

Many companies also offer No Fee DRIPs which allow you to automatically reinvest the dividend, and purchase more stock from the company for no fees. This terrific benefit can allow you to accumulate many shares of stock for virtually no additional fees.

DRIP stocks allow for you to take advantage of the power of compound interest.

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Know Your Options

It is important to know when to start your social security. The longer you can wait to begin, the larger your monthly benefit will be.  As a spouse you are entitled to receive up to 50% of your spouse’s benefits.  Even as an ex-spouse, you may be entitled to receive social security payments.

You can also work and receive Social Security benefits. Your benefit amount however, may be affected by the amount of your earnings.

Even though Social Security is the stand alone income for many people in their retirement years, it was not designed as such. Time is your greatest ally when considering your retirement plan.

If you have some years before you retire, you may want to consider setting up a retirement plan at work if possible, or on your own.  There are many options to consider, and perhaps the best is DRIP stocks.

With a little planning, and some forethought you can make your later years better than what you may have thought.

You never want to have to say, “I didn’t plan to fail, I just failed to plan.”

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Best Stocks to Buy Now

 

 

The Best Stocks to Buy Now

The Best Stocks to Buy Now

Stock market investing can be a complex, time-consuming, frustrating process. Stock market investing can also be simple, quick, and exhilarating process. It can provide great financial losses, and it can provide great financial rewards.

Stock market investing can be a source of great stress, sleepless nights, and worry. It can also be provide peace of mind, fulfillment, and happiness.

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Best Ways to Pick Stocks

The two primary ways of picking stocks are: fundamental analysis, and technical analysis.

Fundamental Analysis. The fundamentals of a given stock or company are it’s financials. What are it’s business prospects? What are the chances for the business to grow? Is the sector it’s in improving, or in decline?

Is it a leader in it’s sector and market? Or does it lag behind it’s competitors? What is the condition of the overall economy? It is a defensive stock? Or is it a high risk, high reward play?

Fundamentals look at historic stock prices, price to earnings ratios, revenues, profits, cash holdings, research and development expenses, insider/management holdings, and many other factors to determine if it is a stock worth buying.

Technical Analysis Technical Analysis is the study of charts of companies/stocks. The most commonly used charts are price charts. These charts document a stock’s price movements over different periods of time.

In conjunction with these stock prices are many other gauges of a stock’s performance such as volatility, convergence/divergence, number of stocks bought, number of stocks sold, stock averages, momentum, and many other indicators used to predict whether a given stock’s price is likely to go up or down.

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World’s Best Stock Investor

Even if you’ve been living under a rock for the last 30 years, it is very likley that you have heard the name Warren Buffet. Known as the Oracle of Omaha, Warren Buffet is considered one of the very best, if not the best stock investor of all time. So, what is Mr. Buffet’s stock picking philosophy?

He says that he picks stocks based on being able to understand, and know the business that the company is in. He must also like the business that the company is in. It must have good fundamentals. He says that he will only sell if the fundamentals that he used when he picked the stock have changed for the worse.

He sets out to hold the stock forever, he says. He also adds to his positions quite often, and accumulates large enough stock holdings to be on the board of directors of many of these companies that he invests in. This philosophy has served him well, as his net worth is now in the $87 billion dollar range. Yes, that’s billion with a B.

How to Play the Market

There are many different ways to play or invest in the stock market. Some of these ways are stock options, mutual funds, shorting the market, penny stocks, value stocks, foreign markets, stock index plays, futures, and others. There are long term plays, and short term plays.

Long term plays are stocks that you buy and hold. Because with this play you have a long term time horizon, you don’t worry about it’s short term stock price fluctuations. Normally, unless something drastic has happened to the company’s business, the stock is not sold.

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Short term plays are investments where the investor is looking to make a short term profit. His time horizon can be from a few minutes to a few months. Often these investors are willing to take a small profit, as long as their money is not tied up for extended periods.

The Best Stocks to Buy Now

So, what are the best stocks to buy now? Should I be a value investor, a momentum investor? Should I try buying penny stocks? Should I buy the big name stocks like Apple, Coca-Cola, Proctor & Gamble? Does it matter which stock broker I use? Should I use an online broker, or should I deal with the old fashioned person to person approach?

There is much to consider in order to maximize your opportunities in the stock market. In my humble opinion, there is only one type of stock to invest in.

DRIP Stocks What are DRIP stocks? DRIP stands for dividend reinvestment plan, or dividend reinvestment program. These are stocks of which the company that offers them allow for a direct purchase of stock in the company, and for the dividend that they offer to be reinvested in more stock.

This is a powerful investment instrument because it ulitilizes the principle of compound interest. Albert Einstein once said about compound interest, “Compound interest is the eighth wonder of the world. He who understands it, earns it, he who doesn’t pays it.”

DRIPs also allow you to reinvest part, all, or none of the dividend. It makes sense to reinvest as much of the dividend as possible, at least until you need to take some of the dividend income to live, as in retirement. The best stocks to buy now are No Fee DRIPs.

No Fee DRIPs

The best type of DRIP stock to buy is the No Fee DRIP stock. This means that certain companies allow you to buy their stock without any brokerage or transaction fees, both for the initial purchase, and for the subsequent dividend reinvestment.

This means that you will be able to maximize your return, as you are not losing some of your investment in costly fees.

This can add up to a significant amount, especially with the powerful compound interest component. In order to speed up the process, additional, optional shares can be purchased, also for no fees.

There may be fees if you set up an automatic purchase through your bank account, and when selling shares.

DRIPs are considered more of a long term play, than a short term one. Generally speaking, the longer you can hold a DRIP the better as you will continue to automatically buy more shares of stock with the reinvestment of the dividend.

Although if enough money is invested, and reinvested, and the dividend is high enough, a considerable amount of shares can be accumulated within a relatively short time.

The only time I would ever consider selling a DRIP stock is if the company has dramatically decreased, or eliminated it’s dividend. This is not a common occurence, but it does happen from time to time. I would then find another DRIP stock to invest in with the proceeds of the sale.

List of No Fee DRIPs

Sleep or Excitement

Some stock investors love the excitement of investing in the stock market. I have seen many stock investors that seem to live for the excitement of the price swings in the market. One day they are up because their stocks are up in price, and the next day they are down in the dumps because their stocks are off.

There are also stock investors that are so heavily invested in the markets that their very existence, and that of their family depends on the performance of their stocks. Personally, I can’t see living this way.

It is difficult to consistently pick stocks well enough to ensure oneself a solid return. This is especially so, if someone is always buying, and selling. With the combination of high fees, and volatile stock prices, it is not an easy proposition to beat the market.

If I am always worried about whether or not my stocks perform to my needed expectations, my stress levels would be a lot higher. This could easily carry over to other areas of my life as well, such as relationships, health, and job performance.

Personally, I like to sleep at night. That’s why I like the peace of mind that DRIP stocks give me. I primarily invest only in DRIP stocks, and within DRIP stocks, I invest primarily in No Fee DRIPS.
No Fee DRIPs are the best stocks to buy now , they will be the best stocks to buy tomorrow, and for the foreseeable future. Which No Fee DRIPs will you invest in?

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List of No Fee DRIPs

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Make Cash Online

Make Cash Online

Make cash online

If you want to make cash online, you are like millions of others. Many people have used the internet to go from rags to riches. Some folks have acquired vast fortunes utilizing the internet to further their ambitions.

There are many ways to make money, and attempt to make money online. Some ways to make cash online require little if any work or effort, monetary investment, and very little time.

Other ways require a great deal of work and effort, money to get started, and maintain it, and a large commitment of time.  Still other ways fall somewhere in between the two.

We will look into some examples of these ways to make cash online, and why some ways may be worth taking on, and why other ways should be avoided.

It is also possible to utilize more than one of these online cash making methods. This may depend on your financial situation, your time availability, and areas that you have knowledge of or interest in.

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Skeptism is Healthy

Skeptism is healthy

I have tried and been involved with many different money making opportunities over the years. The best bit of advise I can give you is to be skeptical.

If you are looking at opportunities to make money online, be sure to do your due diligence. I can tell you that there are many folks out there that spend day and night thinking of ways to take advantage of gullible, ignorant individuals.

The internet is still like the wild, wild west in that there is limited regulation, and enforcement compared to the off line world.

This environment draws the unscrupilous shiesters, scammers, and hucksters that want you to believe you can make a lot of money overnight for little if any work, and that there is a free lunch.

If it sounds too good to be true, it probably is. Realize in most cases, there is going to be some work, and at least some of your time involved. You will likely have to spend some money, although there are some exceptions to this general rule.

It is ok to take some risks, and chances, after all nothing ventured, nothing gained, but make sure you look before you leap. Assume it is illegitimate until proven otherwise.

Online Surveys

Online surveys

Online surveys are a very popular way to make some extra money online. You likely won’t get rich filling out online surveys, but you may be able to put some decent cash in your pocket if you find the right survey company. Surveys are used by many companies to test products and ideas.

They want your opinion to determine the viability of their new products, or to improve existing products. In addition to filling out forms, survey companies may also be willing to pay you to read your email, and to watch videos.

Surveys can take as little as less than a minute, and as long as several hours. Generally speaking, the more time needed, the more it pays. You can earn anywhere from a few cents a survey to $100 or more depending on many factors, but primarily time needed to complete it.

Other surveys may pay you in points that you can use to buy products.  It is free to join most online survey sites, but there are some online survey companies that do require a fee to join.  Filling out some personal information is usually all that is needed to get started.  There may be some age requirements, but these are usually not stringent.

Some of the better known online survey websites are:
Vindale Research
Qmee.com
Swagbucks
Opinion Outpost
Inbox Dollars
My Survey
Toluna
E-Poll
Survey Junkie

 

Start Your Own You Tube Channel

Start your own YouTube channel - make cash online

If you are not the shy type, and don’t mind being on camera and sharing your knowledge, and experiences, then starting your own You Tube channel may be the go to online cash generator you seek.  Many people are cashing in big with this method.

Do you have an area that you are passionate about? Do you have expertise in a subject, occupation, hobby, or pastime? Chances are excellent that thousands of others do also.

YouTube is one of the most visited websites in the world. It generates millions of visitors who are looking for everything under the sun, much like Google visitors, only with a living, breathing human being to describe, and show them the way.

Ideas that work well on YouTube are: How to’s, travel experiences, product reviews, gamer reviews, food/cooking/recipes, comedy, pet training, and job seeking just to name a few.

All you need to get started is a Smartphone. You don’t need a super expensive camera. Be consistent with your videos, and you could well develop a following.

Share your videos on Social Media like Facebook, Twitter, Linkein, Google Plus,and others. You can also embed your videos on your own blog or website. Email marketing can also be a helpful means of getting the word out.

You can make money with your videos by allowing YouTube to place advertising. Every time someone clicks on the ads you make money. This is called Google Adsense.

You can also monetize by directing viewers to a specific website or link that you have set up to make commissions with. This can be to a link beneath the YouTube video, or to a link on the video itself.

Turn your passion in to a thriving online business. 

Download and Install Apps

Download and install apps - make cash online

This is another idea that you won’t get rich from, unless of course you design your own apps, but downloading and installing apps is about as easy as it gets to make a few extra bucks.

You not only get paid when you download and install the app initially, but you can get paid for every month that the app is on your phone.

This may only equate to a few cups of latte a month, but at least you didn’t have to do much to get it.

MobileXpression – launch this app, and you will be eligible to win prizes each week. You can also play an instant rewards game by joining in on market research.

ShopTracker – just answer a few questions, and you will earn $3.00 on any device. This app helps companies find out what people are buying online, and you will continue to earn money every month that you keep this app on your phone.

Neilson Mobile Panel – this is same company that does the Neilson TV Ratings. You can earn up to $50 a year for installing the Mobile Neilson app, which provides information on how people use their phones.

Other interesting apps are:

Shopkick: Earn money just by walking into stores.
Paribus: Scans your email receipts for changes in price.
Trim: Finds where you are wasting money
Lucktastic: Free scratch off tickets(virtual)

Website Testing

Website Testing - Make Cash Online

If you spend a lot of time online like I do, you come across many different types of websites. Some websites are more user friendly than others.

Some are clear, concise, and easy to understand and navigate around. Other websites can be a challenge to discover how to find the information that you are looking for or interested in.

There is a website that will pay you up to $30 an hour to test other websites.  UserTesting will pay you to open up a website, navigate around, complete a set of tasks, and share and record your thoughts as you are doing it.

Fortune 500 companies such as Apple, Microsoft, and Adobe are clients you could be testing websites for.

Other website testing websites are: Userlytics, TrymyUI, and Userfeel.

It will be difficult to make a full time income with Website Testing because the opportunities are inconsistent, but you could possibly make a good, part time or supplemental income.

Building a Website, Blogging, Affiliate Marketing

Blogging - make cash online

People could, and do make a living by each of these online money making methods individually, or some combination of all three at once. In fact, it is easy to blur the lines of descriptions of each of these types because they can all be utilized at the same time.

You could, theoretically at least, make money selling your website building services to others, assuming you knew how to build websites.

And, you could become a blogger, and depending on your niche, you could sell advertising on your blog site once you built up a large enough following and had consistent traffic.

And, you could become an affiliate marketer by finding online companies that provide affiliate opportunities to make commissions. You would though have to know how and where to market these opportunities in order to generate affiliate commissions.

There is one online opportunity that combines all three of these areas of expertise in one place. They provide all the education, expertise, training, tools, and support needed for you to realize the power of combining these online disciplines.

The good news is, it is easier than you might think. There is unparalleled support within the community, and it is FREE to start.  They also give you 2 free websites, and provide training to get you off the ground.  The name of this company is Wealthy Affiliate.

You only need to provide an area that you are passionate about, and a willingness to learn, and to build an online presence, and a business along with it. Wealthy Affiliate basicly holds your hand for you all along the way.

This is not an opportunity that is get rich quick. It is, however, an opportunity that you can build a business with that will last you for many years.

FREE Wealthy Affiliate Info

There are many other ways to make online income such as stock trading, network marketing aka multi level marketing, currency trading, writing an ebook, offering your pro services on fiverr, elance, Upwork, or 99Designs, and many more.

Remember to be skeptical about any online or offline opportunity. Do your due diligence before you commit your valuable resources, and time.

Kick the tires, and get a feel for it before you go all in. Choose one or more of the numerous online opportunities, and you too can make cash online.

 

 

 

 

 

How To Affiliate Marketing

How to Affiliate Marketing will assist you in your quest to learn how to become an affiliate marketer. I will explain to you what affiliate marketing is about, what is entailed to become an affilate marketer, the best place online to educate yourself about it, and how to set yourself up with what you will need to begin.

I will also tell you what programs to align yourself with that will provide you with products, and services to help you make an income, and where to go in order to get your questions answered, and how to get the support and encouragement you will need along the way.

What Affiliate Marketing is About

The best way to describe affiliate marketing is that it is much like a salesman, or a manufacturers representative in the offline world. An online company or a company with an online presence allows people (affiliates) to market/sell their goods and/or services in exchange for a commission.

An affiliate can earn commissions by bringing someone to a company’s website, and if they perform a certain function like filling out an application, clicking on a link, or making a purchase.

The commissions will vary depending on the type of business, and what the company/website has agreed to pay it’s affiliates for a specific action.

For instance, selling a product usually pays more commission than capturing an email address for more information, or for filling out a form and agreeing to receive a phone call from a company representative, such as what is often the case for a home loan.

How to Become an Affiliate Marketer

Almost anyone can become an affiliate marketer. All that you need to do is to find a company or product that you would like to market online, and sign up as an affiliate at that business’ website.

Often times a company will use an affiliate network to handle their affiliate program for them. Some of the more well known affiliate networks are Commission Junction, aka CJ, Share a Sale, Rakuten, and ClickBank.

You will first need to be signed up with and approved by the affiliate network, and sometimes you will also need to be approved by the company or website itself before you can begin marketing for them.

Some of these networks, and their companies want to see that you have some knowledge, and experience in the online world. Some will require that you have a website set up, and that you have at least a minimum of know how in marketing products or services online.

I have found that you don’t need a website to be approved for some networks, such as ClickBank, but it does help ensure your acceptance to many networks if you do have a website.

Once you are approved by an affiliate network, you then will have many more options to represent different types of companies, products, and opportunities.

Approval means that you will have access to affiliate links, affiliate banners, photos, videos, and pre written ads for the various companies, and their websites.

At this point you are ready to spread the word about the company that you now represent as an affiliate. There are many different ways for you to go about this.

How to Market Your Affiliated Company

Now you have been approved by an affiate network, or directly to a company that offers an affiliate program. You have access to the affiliate links, and other advertitisng for the company to help you earn affiliate commissions. So, it’s time to get the word out, and make some commissions.

There are various ways for you to go about this. There is email marketing. Email marketing allows you to contact others by email to tell them about what you have, and to attempt to get them to do what you need in order to earn an affiliate commission.

You can buy email lists so that you can target your audience, and you can use various other means of sending emails to your potential customers.

Autoresponders like Aweber provide tools to help you market and follow up to an email list, and take much of the work out of it for you.

Social Media is another very popular and effective way to for an affilate marketer to bring prospects to a website. Facebook, Twitter, Instagram, Linkedin, Pinterest, and Quora are some of the best known social media websites.

Facebook offers numerous advertising options for affiliate marketers, and can be a very useful way to pinpoint target prospects.

SEO, or Search Engine Optimization is a great, free way for you to bring targeted traffic to a website, but you will need your own website in order to take advantage of this potentially extremely powerful way to boost your affilate commissions.

PPC, or Pay Per Click is advertising that can also be very effective for you as an affiliate. Search engines like Google, Bing, and Yahoo offer the ability to advertise with them by choosing related key words to your offer, posting short ads describing your offer, and you are then charged a pre set fee every time someone clicks on one of your ads.

Other types of online advertising available are CPA, or Cost Per Action, Google Ad Words(useable only if you have your own website), and Retargeting.

Having Your Own Website

If you are serious about becoming a successful affiliate marketer, your best course of action is to have your own website. Having your own website will enable you represent many different types of affiliate products, and opportunities, and it will provide you a great chance to get ranked by the search engines.

Becoming ranked by the search engines can bring in large amounts of FREE traffic to your website, and your online products and opportunities of which you are an affiliate.  Many affiliate networks, and companies require that you have your own website before they will approve you to represent their companies.

This shows them, and the rest of the online world that you are someone that is professional, and can be trusted to carry out a successful affiliate marketing campaign.

Your own website affords you the opportunity to be ranked on the search engines, and is done by writing related content on your website with the use of key words.

If done correctly, with time you can be ranked on the big search engines like Google, Bing, and Yahoo.  Being ranked highly means traffic, and traffic can mean conversions and money in your pocket.

In order to have your own website, you will need to purchase a url or domain name such as http://howtobuyforeclosedhome….  You will also need to purchase hosting to provide an online parking place if you will, for your domain.  There are different places online that you can buy these needed website services.

 

You Don’t Have to Go It Alone

Don’t worry. If you like the idea of becoming an affiliate marketer, but you know you need some education and guidance, there is a place that has a stellar reputation for providing EVERYTHING that an affiliate marketer wants and needs. You may have even heard of it. It’s called Wealthy Affiliate.

Wealthy Affiliate will take you by the hand, and give you the education, tools, training, resources, and support to ensure you can become the successful affiliate marketer that you strive to be.

Starting with Wealthy Affiliate is FREE, and they also give you 2 FREE websites, along with training right off the bat, so you can kick the tires and make sure it is right for you.

All you need is to have something you are passionate about or interested in. Wealthy Affiliate will teach you to turn your passion into a thriving online business.

You are never alone at Wealthy Affiliate. If you ever have a guestion, or need direction, there is an large community of like minded affiliates that are ready to help you.

There are many ways of making cash online. Affiliate marketing is a way to sell products and services online, and be paid a commission. Becoming an affiliate marketer is a tried and true way of generating an online income.

Almost anyone can become an affiliate marketer. Signing up with a company that has an affiliate program or with their designated affiliate network is the first step.

You then need to be approved to get started. There are many different ways to market your offer online to earn a commission. If you are serious about your affiliate endeavor, you should establish your own website.

The best way to learn about affiliate marketing, and have all the tools, training, and support you will need is to start as a free member with Wealthy Affiliate.

Click here to get started FREE!

 

How to Affiliate Marketing

Top Dividend Stocks

Top Dividend Stocks

Top Dividend Stocks

 

What are Dividend Stocks?

Dividend stocks are stocks that pay out a portion of their earnings or profits to shareholders. These payouts are usually done quarterly, and there are a few stocks that will pay their dividends monthly, but are they top dividend stocks?

Dividends give shareholders an added incentive to own or hold the stock even when the stock price is not rising or even dropping. The amount of the dividend is done as a percentage of the share price.  Typically, the dividend percentage runs in the 1% – 10% range with some stocks paying less, and some stocks a bit more.

Dividends can be raised, lowered, or even done away with by the company, although the outright elimination of a company’s dividend is somewhat rare.

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What are Top Dividend Stocks?

So, how does one define top dividend stocks? There could easily be many definitions of top dividend stocks.  They could be stocks that have a high dividend yield. Or stocks that have increased their dividend over the years.  They could be stocks that have a high dividend yield, and have increased their dividend over the years.

They could be top performing stocks that have recently decided to include a dividend. They could just be solid, stable companies that pay a dividend, no matter how small or large the dividend yield or payout. In my humble opinion, top dividend stocks are also DRIP stocks.

What are DRIP Stocks?

I am glad you asked.  DRIP stocks are dividend reinvestment plans, or dividend reinvestment programs. Some companies that pay dividends allow for the reinvestment of the dividend payout to shareholders into the purchase of more stock in their company.

Many of these companies also allow for the direct purchase of their stock initially with no fees. They also allow for the reinvestment and additional purchase of shares with no fees. Did you catch the no fees part? Stock investing simply doesn’t get any better than this.

DRIP investing is more of a long term strategy or play than a short term one. By having the dividend reinvested in more stock, instead of taking the dividend payout, you are harnessing the power of compound interest.

Over time this can accumulate into a substantial number of shares which can provide a significant source of income, while maintaining, and even growing the principal, which in the case of DRIPs is stocks.

Turn your passion into a thriving online business. 

This can all be accomplished over time even if you don’t invest more in the program. If, however, you want to speed up the process, and increase the number of shares, as well as the corresponding amount of the total dividend payout, you can invest more money into it with periodic purchases.

These periodic purchases are also no fee, in a no fee DRIP.  Some even incorporate dollar cost averaging, which can provide a much healthier long term outlook for you.

Albert Einstein once said about compound interest:  “Compound interest is the eighth wonder of the world. He who understands it, earns it, he who doesn’t pays it.”

This combination of no fees, and dividend reinvestment, make DRIPs are very attractive long term investment strategy, and separate DRIP stocks from other types of long term investing such as mutual funds, index funds, etc.

Another great benefit of investing in DRIPs is the option of reinvesting part of the dividend in more stock, all of the dividend in more stock, or none of the dividend in more stock.

This could become very important once you have enough stock accumulated to start taking some dividend payouts, such as for retirement. or if you just need some extra cash.

You can take say a 75% payout of the dividend, and leave 25% in for reinvestment, keeping your stock principal growing. You can take more or less, or all or none, it is entirely up to you.

 

Which DRIP Stocks Should I Choose?

The DRIP investing strategy that I suggest is one where you invest in strictly NO FEE DRIPs in different sectors of the market to give you some diversification. You should pick stocks that have at least a 2% dividend yield, and ideally you want companies that have shown great stability, and increased their dividend consistently over at least the last 20 years.

Some sectors to consider are Health Care, Energy, Insurance, Real Estate (REITs), Pharmaceuticals, Manufacturing, and Automotive.

Some NO FEE DRIPs within these sectors to consider owning are:  AFLAC, AbbVie, Emerson Electric, Exxon/Mobil, HCP, Genuine Parts Company, 3M, and Johnson and Johnson.

The only real risk with DRIPs is a reduction or an elimination of the dividend, and of course with the company itself. If you invest in solid companies stocks though, you will have minimal risk in the underlying company going out of business.

It is possible that the dividend could be reduced. If this happens, you may want to consider selling, and buying another DRIP for your portfolio, but I would only sell if the dividend reduction was substantial, and if it happened more than once within a relatively short period of time.

Also, if there was a significant problem with the company’s business, you should consider selling the stock. These scenarios are somewhat rare, but you should monitor your DRIP stocks on a consistent basis to make sure that everything is hunky dorey with your investment.

Even if there is a drop in the stock price, as long as the dividend remains the same or only slightly lower, and there aren’t any serious problems with the company’s business, I would hold the stock. Remember this is a long term strategy. It is likely that there will be some price swings during the time that you own it.

It is very easy to check on your DRIPs online anytime you would like, day or night.

Turn your passion in to a thriving online business. 

Your TakeawaysTop Dividend Stocks

I believe DRIP stocks are an excellent way to set yourself up for the future. You can buy these NO FEE DRIPs without up front fees, or fees for the reinvestment of the stock dividend. You are harnessing the powerful principal of compound interest by utilizing DRIPs.  You can add to your position without fees of course, to accelerate the process.

A good way to add to your position is with dollar cost averaging. Buying these DRIPs in different market sectors will provide you some diversification, but if you buy solid companies with good businesses, and a track record of earnings/dividend increases, you will have little worry about issues down the road.

Another great feature of DRIPs is that you can take none of the dividend, and reinvest it all, or take some of the dividend, and reinvest the difference, or all of the dividend.  By reinvesting some or all of the dividend, you continually increase the number of shares that you own, ensuring in almost every case that your principal will always be there when you need it.

Time is truly of the essence with this long term strategy. The sooner you get started, the more you will have in later years. If you do you will never have to say, ‘we didn’t plan to fail, we just failed to plan.’

Click here for Easy Retired Millionaire

What is the Average Retirement Income?

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2018 Wealthy Affiliate Reviews – Scam or Legit

 

2018 Wealthy Affiliate Reviews – Scam or Legit

If you are at all like me, you have looked at, and joined many online money making opportunities.  You have wasted not only money, but precious time as well.  In 2018 Wealthy Affiliate Reviews – Scam or Legit we will delve deeper into this program.

2018 Wealthy Affiliate Review - Scam or Legit?

I have learned to check things out thoroughly before jumping into any opportunity. I have also learned to stick my big toe in the water first before I take the plunge.

So what is the deal with Wealthy Affiliate? I’m sure you have seen it in many other places on the internet, and it has likely piqued your curiosity as it did mine.

Is this just another opportunity that will get my hopes sky high, and dash them like an ocean wave crashing against the rocks? Or does it really have merit? Is this a legitimate program that will deliver, and provide me a way to make a living online?

Will Wealthy Affiliate afford me that ability to work from home, or at the office, or at the beach, or wherever I choose? Will I finally be able to stay home with the kids, and not have the stressful early morning, dangerous commute to work every day?

Will I be able to work just as easily from my winter destination in Florida, as I can from my home in Chicago? Can I build something that will provide enough income so that I can quit my 9 to 5 job at some point in the not too distant future?

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What Wealthy Affiliate Is Not

Wealthy Affiliate is not a get rich quick scheme! It is not an opportunity where you will be dazzled by the fancy cars, big houses, or huge checks of the person in front of the camera. You won’t find a guy or gal that will tell you their ‘success’ story of going from rags to riches because they found the same program that they are telling you about.

You won’t watch a one hour hype video to get you excited about a get rich quick opportunity that you will be badgered to buy at the end. You won’t be constantly made to feel like a loser if you don’t upgrade to an expensive level, only to be upsold again once you get there.

You won’t have to worry if you can pay your bills at the end of the month because you were forced to spend so much money just to stay in an expensive program that is full of false promises.

You won’t have to spend every spare minute trying to learn, and practice some questionable or even ‘black hat’ tactics that could land you in hot water, and force the program to be shut down by the authorities.

You won’t be left alone to fend for yourself if you have questions, need advice, or just want to see how someone else handled the same situation.

Can Anyone Join Wealthy Affiliate?

Wealthy Affiliate does not require extensive, or specialized education to join. You won’t need a lot of online experience or expertise to join or to become proficient in the activities.

You will never need to invest a lot of money in Wealthy Affiliate to either join, or stay in the program, or get to a certain level in order to qualify for bigger commissions or bonuses like so many other online programs.  In other words, you will never feel trapped, or taken advantage of.

Almost anyone can join Wealthy Affiliate. No experience is necessary. No technical knowledge is necessary. It is helpful to have at least a basic understanding of computers, and the internet, but likely you wouldn’t be here if you didn’t have at least that.

There is no real age limit to join Wealthy Affiliate. As long as parents give permission, even kids under the age of 18 are welcome to join.

What Wealthy Affiliate Actually Is

Wealthy Affiliate is about teaching you, and providing all of the tools, and support you need to build a long term business online from scratch.  You provide a passion or passions, and WA provides the education, the websites, the hosting, the community, and the support to make you successful.

Everyone is passionate about something. So, whether you are passionate about fishing, motorhomes, macrome, the stock market, drones or just about any possible subject or aspect of life, you can build a business around it at Wealthy Affiliate.

You choose an interest, and Wealthy Affiliate shows you how to build a website(building a website is simple within Wealthy Affiliate), attract visitors, and earn revenue.

What interests you? What are you passionate about? We all have a hobby or something that gets us excited and motivated when we think about it. There are MILLIONS of different ideas that you could potentially tap into online and we are going to help you come up with your very own “topic” within Wealthy Affiliate.

Building your very own website is SIMPLE within Wealthy Affiliate. The process takes less than 30 seconds to build a beautiful looking, mobile-ready, and revenue ready website. Your website is going to be the foundation of your business and what will ultimately lead to a successful venture.

Your goal before you try to make money with any website is to focus on getting actual people to that website. Without people, you have nobody to sell or advertise to. This is a critical aspect of your business.

Once you have an audience (traffic), one way you can drive revenue to your website is through special programs called “affiliate programs” which are completely free to join.

Affiliate programs allow you to promote pretty much anything you can imagine without having to own or create the product yourself. No inventory. No shipping. No product support. And you can be located and operate your business from anywhere in the world.

What is your dream of success? $500/month? $1000/month? $10,000/month, 50,000/month? Beyond? These are all fully possible with the education, the skills, the websites, and the helpful community you are going to be able to make full use of at Wealthy Affiliate.

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What is Wealthy Affiliate Like From a Member’s Point of View?

I have been a member of Wealthy Affiliate for just under 2 years. I can honestly tell you that WA has far exceeded my expectations. I have been involved in and wasted a lot of money and time in online programs that only disappointed me.

Wealthy Affiliate is an affordable, honest, exceptional online business opportunity that does all it says it will, and much, much more.

They have provided me an exceptional online business building education, and provided me with state of the art tools, and services that are needed. The help, and support is 24/7, and has helped me numerous times.  Possibly the best thing about WA is the enormous community of other like minded WA members that all have a helpful, friendly attitude.

These like minded members, many of whom I also call friends, have given me boosts of motivation, as well as suggestions that have helped my business along the way.

I, of course, have helped other members as much as possible, to the extent of my knowledge and expertise, and if I don’t have the answer, I suggest they pose their question or concern to either support, or other members to get their questions answered or their situtation resolved.

I also really like that Wealthy Affiliate has in addition to 24/7 Support (Live Chat, SiteSupport, Q & A), they have Personal Mentoring, Training Courses, Step by Step, and Weekly Live Classes (and 100’s of hours of replays).

Wealthy Affiliate has enabled me to share a lot of the knowledge, and expertise that I have gained in my life with other people. It is a good feeling to be able to educate, and otherwise help people that need assistance within Wealthy Affiliate and/or are interested in what I have knowledge of, and have experienced in my business and personal life.

In addition, I am able to monetize my websites with affiliate links, and banner ads, among other advertising means that help me grow my business.

It is a great feeling to share my passions with others, and make money too!

Joining Wealthy Affiliate is one of the best decisions I’ve ever made, and I fully intend to be a WA member for life.

How to Get Started

You can get started as a Starter Member in Wealthy Affiliate for FREE! You will get 2 FREE websites, access to training classrooms, live support, and you don’t need a Credit Card to join! This awesome FREE membership will give you a chance to experience Wealthy Affiliate and everything that it can offer you. There is zero risk to you.

2018 Wealthy Affiliate Reviews - Scam or Legit

Click here to join Wealthy Affiliate FREE

2018 Wealthy Affiliate Reviews – Scam or Legit