Thursday, December 20, 2007


Are you using Craigslist to advertise for your home business? If so you are not going to achieve the results you are looking for. Yes Craigslist does have an Alexa ranking of 8 and yes Craigslist does get boat loads of traffic to it's site. But advertising on Craigslist is not worth your time and if you are paying 25 bucks to advertise in certain cities, I will show you why it is not worth your money. With that being said if you are going to post your home business ads on free classified ad sites, Craigslist is the best. You shouldn't even bother to post to any other free classified ad sites besides Craigslist, that is if you are going to post on free classified ad sites. There are many other ways to effectively market for your home business. One other thing to think about, if you are solely using Craigslist as a way to advertise your home business, the chances of you building a successful home business are slim to none.

First off most people posting on Craigslist in the small biz section are just posting their own home business ads up. They are not looking to join up with any other home business owners. So yes posting an ad on Craigslist is very easy but it is also very ineffective. Your ad will most likely not end up helping you build your business. In order to be effective on Craigslist you must post your ads massively and to every city possible. Great problem solved, right? Nope, Craigslist has spiders who search for spammers and these spiders ban and flag the ads. What are some of the things which can get you flagged on Craigslist? Well posting the same ad to multiple cities can and will get your ads flagged and removed. Next posting multiple ads with the same IP address will get you banned permanently. Meaning any ad you post on Craigslist will get flagged before it even goes up. This happens if you spam with the same IP address, that IP address is banned for life. And it's hard to know if the Craigslist spiders consider your ads to be spam but if they do you are done. Another issue you will have to deal with when posting to Craigslist is other home business owners flagging your ads for no reason. Somewhere in their twisted minds they believe more people will see their ads if they flag and remove other home business owner's ads.

Now true posting an ad on Craigslist here and there is easy but it is not effective. And if you are posting ads like "Earn 6 Figures Overnight", most people are tuning those types of ads out. Now what I am suggesting will take more work but the payoff will be 100 times what you could ever imagine. Why not create your own website and learn how to market it effectively online, instead of posting a couple of ads to Craigslist. Imagine having your website located at the top of the search engines for a keyword like "home business". How powerful would your business be if you could land that spot? Very powerful. There are plenty of keywords to go around. That is just one effective way of building your home business besides posting on Craigslist.

Here is one thing I can guarantee you. The people making over 6 figure incomes from their home business are not using Craigslist to market their business.

Home Business Opportunity

"Make 100,000 dollars in 48 hours with our home business opportunity!""Make a six figure income only working 10 minutes a day with our home business opportunity!" These are just a few of the home business opportunity ads I see posted online everyday. First off these claims are entirely fake and if anyone can show me a home business opportunity where I can make 100,000 dollars in 48 hours or make 6 figures a year working only 10 minutes a day, please show me. I am all ears. These outrageous claims are false. These companies are scam artists plain and simple. Don't you think if it was that easy, everyone would be doing the same thing. It is very possible to make a lot of money with a home business opportunity but it will require work and the proper training. I wish I could tell you it was as easy as pushing a couple of buttons a day and then sitting back and watching your money roll in. But it does work that way. You must dedicate yourself to your home business opportunity in order for you to succeed. You must also have the proper training in order to succeed at your home business opportunity.

Many people join a home business opportunity with no training in running or marketing for a business what so ever. They are then told by their upline or sponsor to make of list of family and friends. Then to call that list and invite them to a conference call or hotel meeting. Sound familiar? If most people are lucky they may bring in one or two family members, if that. Most people do not even make it that far. The traditional trainings taught to build a home business opportunity do not work. Which explains why 90 percent of all home business owners are failing. They are duplicating and copying business methods which have been proven to be ineffective, period. The reason why these worthless techniques, such as making a list of your warm market, continue to get passed down from sponsor to sponsor is because no one really has a clue how to build a successful home business. So sponsors and uplines alike continue to give out worthless techniques full well knowing the techniques are ineffective.

As a home business owner you must take it upon yourself to learn how to properly build your home business opportunity into a successful venture. It is possible but first you will need training on how to properly build a home business. Once you properly know how to build a home business here are a few of things you will and should know. You will know how to get an unlimited amount of targeted prospects looking at your home business opportunity through various techniques. Such as getting your websites listed on the first page of Google, gaining traffic through press releases and article marketing. These are just a few techniques, that actually do work, that can help you build your home business. Once you learn real marketing techniques, which actually work, you will be well on your way to making the most out of your home business opportunity.

Money Talks

Money Talks

Advantages and disadvantages of at-the-money option, in-the-money option and out-of-the-money option

Advantages and disadvantages of at-the-money option, in-the-money option and out-of-the-money optionAn at-the-money option has both advantages anddisadvantages over stock and in-the-money options. First,the at-the-money option will be cheaper then both the stockand the in-the-money option. So there is less capitalrequirement and less total risk.Remember, when buying an option, you can only lose what youspend. The problem is the amount of extrinsic in theat-the-money option.In order for you to profit from buying an at-the-money option, you need the stock to make a move very quickly.Because you have so much extrinsic value, you will bebattling against the option's daily rate of decay.

So, the movement of the stock must happen quickly enoughand large enough to offset the amount of money you will belosing daily as expiration draws near.With this said, the best chance you have to make money whenbuying a naked at-the-money option is to use it as a shortterm trade. The longer you hold onto this option, theharder it is for you to be profitable due to the optionsdecaying extrinsic value.

At The Money Call vs. In The Money Call

An out-of-the-money option presents many of the sameadvantage & disadvantage parameters to the investor. Theout-of-the-money option is even cheaper then theat-the-money option which means more leverage and less risk.However, with a smaller delta, the stock must move muchmore than either the in or at-the-money options in orderfor the options to become profitable. Again, we need theoption's delta to outpace the option's rate of decay.Now, with the out-of-the-money option, there is lessextrinsic value than the at-the-money option so the amountof total possible decay (cost of the option) and the rateof this decay is less than the at-the-money option.By being further out-of-the-money, this option needs moremovement from the stock. As a naked option, thisout-or-the-money example is extremely speculative andshould only be used naked when the investor feels there isa very good chance of a stock having a large percentagemove.An investor must understand that the odds of them profitingfrom the purchase of a naked out-of-the-money option isvery slim. When purchasing a naked out-of-the-money option,be prepared to lose your entire investment.

Out of The Money Call vs. At The Money Call

Although options can be traded by themselves fordirectional plays, and can perform well under the rightconditions, they are much better used in coordination withstock or other options in formatted strategies which willbe discussed in the next section.While buying naked calls and puts can provide some of thebiggest leverage and highest returns, they can also involvethe most risk. This strategy should only be used byexperienced options traders or traders using risk capital.

About the Author:Brett Fogle is the founder of Options University, atraining resource partner for traders. For acomprehensive, free report on the 7 deadliest sins madewhen options trading, visit .

Mutual Funds

Mutual Funds

Compare Mutual Funds-Tips For Finding The TopOnes To Reach Your Financial Goals

Many people want to know how to compare mutual funds to makethe right decision. There are obviously many factors at workhere. First of all, you need to determine if investing in thisvehicle is right or you. Generally speaking, a mutual fund is for people who aren't veryfinancially educated, and really don't have any time to becomeso. They are generally for people who want to give their moneyto a fund manager and have them do the work for them. If you aren't financially educated enough to read the financialstatements of a company and determine it's overall financialhealth, then finding a best performing mutual fund is probablyright for you. It is very risky to invest in a stock just basedon whether it's stock price is going up or down.

These investments are divided into two groups based on thechoice of how they are acquired. These groups are load and noload funds. No-load funds: The advantage of no-load funds isthat 100% of your funds are fully invested from the beginning ofthe investment. Loaded funds: The advantage of loaded funds is the addition ofprofessional advice in which category to select for your goals.Important factors in considering if you should invest in amutual fund should be: • Operating cost of the fund • The goal of the fund and if it matches your investment goal Stock mutual funds are considered the most risky of all mutual funds. However, these funds are more likely to generate a higherreturn than the other types of mutual funds, especially overtime.

Bond mutual funds deal with securities. Essentially, when youinvest in bond mutual funds you are investing in the debtobligation of governments and corporations. Corporate bondinvesting are more risky than money market investments, and areoften used to generate retirement income. Since this type of investment is typically very diversified,they tend to reflect the trends of the market as a whole. Whenthe market is doing well, generally the fund will do well, andwhen the market is going down, the fund will usually followsuit. Of course, in times of a market crash, a mutual fund canliterally wipe out your entire portfolio if you aren't careful.Therefore, don't ever buy into the myth that a fund isn't risky.It can be very dangerous, especially in times of a market crash.While these occurrences are rare, they can occur, and youcertainly need to be wary of them.

The bottom line: it is always best to know what you areinvesting in before doing so. Your finances are one of the mostimportant areas of your life. If you aren't financiallyeducated, you can never achieve financial freedom. It is never good to entrust your financial future to someonewho really has no interest in it. When it comes to yourfinances, you need to take charge yourself. You can get by withoutsourcing other areas of your life, but when it comes to yourfinances, you need to be the boss. Remember this: you can always make more money making your owninvestment decisions than you can with a mutual fund. Yes,sometimes in a bull market it pays off, but is the risk reallyworth it?

Therefore, if you are set on investing in these vehicles,always compare mutual funds with their counterparts, and makesure it has a long history of profitability to find the bestmutual funds. The top mutual funds are always those that haveexhibited a long time of profitability so that you can bereasonably sure this trend will continue. While this step won'teliminate risk, it certainly can reduce it.About The Author: To learn to compare mutual funds, visit Get a mutual fund tutorial toincrease your understanding of these investments.

Making Money Online

Making Money Online

Making Money Online - Things To Avoid

Unfortunately, there are lots of over-hyped methods, deals and even scams on the internet that not only don't work and will waste your time, but moreover will waste your money! If you are serious about making money online, and maybe new to the game, you will most definitely want to watch out for some of these:

The first is Online Surveys. Have you ever received an email or seen a graphic ad on how you can "work from home" taking surveys? Everybody has right? Don't waste your time here. Surveys are extremely time consuming and sometimes they don't even pay you! My fiancé did get paid after completing 40 surveys over a period of a few weeks. Her paycheck was a whopping $40, which equated to slightly less than $1 per hour! Can you afford to build an online business at this rate? There are people getting paid for this, the people who offer such schemes. I would avoid getting involved in any Online Survey scheme.

Next are Online Lotteries. How many people do you know who have actually hit the lottery jackpot? I don't personally know anyone. It's the same online. Nobody wins, and the accountability of the hosting organization is easily called into question. Don't be tempted by easy money here, avoid Online Lotteries and so called Free Lotteries. Remember, our goal is to build a business, not just hope to get lucky, right?

Online Contests go hand in hand with lotteries. In the past, maybe you received an email proudly proclaiming "You've just won! Click here to claim your prize!" But, did you really win anything? Were you given the opportunity to spend more money? Of course, it's classic marketing. If you feel like you could win a lot by spending a very little, why wouldn't you? There are tons of these companies online just waiting for you to fall into their trap! Again, don't confuse the chance of winning something with actually making money online through a viable business of your own.

Finally, everyone's favorite - Online Casinos. Did you ever notice the most spectacular and grand hotels in the world can be found on the Las Vegas strip? How in the world, can they afford to keep outdoing each other in size and grandeur? It's simple, the house always wins! Maybe you've had some luck at a casino yourself. If so, do you now feel like you can confidently repeat the process that led to your windfall? More often than not, people lose moneys at casinos. Online Casinos are an even more convenient way to lose money, as you a laptop away from the action! So, unless you have the capital to open your own casino, you should avoid the casino's charm.

Do you see a pattern here? Games of chance are not practical or reliable means of building a business. The whole idea when getting started making money online is to build a methodical, replicable business plan. You need a plan where you can follow your methods to a predictable income. You need a plan where you can replicate your success. If you're like me, you worked way to hard to throw your money away. Be smart with your money, and don't leave it to chance!

David Maddux struggled himself and knows how overwhelming it can be trying to get started making money online. If you're tired of hype and want to build a truly Legitimate Web Income, pay him a visit at