Ways for University Students to Make Extra Money Online!

Today, college or university students have more opportunities to make money for themselves compared to their parents' generation. I know that some of these students even make so much money that they do not need to complete their studies!

Although students are bogged down with their studies in colleges or universities, they still have more time and energy comparable to working adults.

So instead of partying and wasting money, why not take the opportunity to make some money in your spare time? Sure you can take some part time jobs such as working in fast food restaurant, laundry services, petrol stations, and so on.

But These jobs does not pay you much income and you definitely can not choose your collections or your boss! Imagine working with unreasonable and super demanding boss. Frightening right?

So I suggest that you immediately go to the Internet to make some cash! There are numerous ways for students like you to make money. This is especially if you are young, energetic and full with ideas and creativity!

1. Writing Articles

Do not be surprised by the fact that many of the web owners actually do not write their own content for their sites. They mainly outsourced students to write for them. As young adults today, you have the capability of writing good articles due to your studies in colleges and universities.

Articles do not need to have 100% perfect grammar or with bombastic words and sentences. In fact, the more simple your articles, the better it is! The main thing is for readers to be able to read with ease. But do take note that your sentences do have to make sense and that there are no spelling errors!

If you can not create an article from scratch, you can offer to rewrite articles. They are also many request for this service. Be sure not to just copy and paste from others! (such as when you are submitting your assignments!)

Do explore and research on more content writing. A typical request will require you to write at least 10 different articles on the same subject matter.

In the beginning, you got to offer to write them at a lower price per article. This way, you might have the opportunity to work with them fulltime in the future! (Yes, without even seeing their faces!)

2. Website Design and Creation

If you are interested in computing and graphics designing, you are in luck. There are actually thousands of requests for this service each day. So if you possess some HTML skills, then you are indeed a hot commodity!

Just go to websites such as elance.com or scriptlance.com to register for an account and look for the many jobs posted. I am pretty sure you can find a few that suits you!

Simple websites creation and templates can bring you good money! Be professional in completing your tasks. Do not just submit the same kind of site theme over and over again. Your clients will definitely know to differentiate between a fantastic job and a poor, 'last minute' kind of work!

When you are just starting out, offer to do them at a lower price. After that you can request them to introduce some clients to you. By doing this, when you have graduated, you will have a stable income from your so call 'part time job'

3. Affiliate marketing

Affiliate marketing refers to the act of making a slice of a profit from referring people to buy from merchants. Basically you will get paid per referral or per sales.

If you refer information products or downloadable stuff such as ebooks, ecourses and audios, you can get up to 75% of the sale price. Just imagine if the product is USD97 and you get one sale per day. You will actually get more than USD2000! Pretty good income for a student!

You do not even need to have a website, product and do not have to worry about shipping and handling. All these are completed by the merchant. In affiliate marketing, you only put your energy into a single task. That is to be a middleman.

Just focus of referring the right person to the right seller and you will make money!

Apart from 3 ways above, there are numerous money making ideas online. Others include selling on eBay, advertising in your websites, creating softwares, completing paid surveys, selling domain names, flipping your websites, and others.

The point is that you have so much opportunity to make money online! Just select one idea and focus on it! Once you are good at it, then jumped to the next one!

The good news is that all the above ways have minimal risk. If you really can not do the above, you got nothing much to lose. However, if you really made it, you will definitely believe that making money from the Internet is the way to go!

Tips When Seeking Your Automobile Extended Warranty

You may have heard that "research is critical" when it comes to purchasing an extended warranty for your automobile. Sometimes auto extended warranties are depicted in a negative light because of a few scam artists looking to capitalize off peoples' concern for their investments.

A recent Consumer Reports study recommended that people buy highly rated models only and that they invest in Money Market accounts to save for repairs, rather than invest in a warranty. However, if you tend to incur a good number of auto repair bills, if you plan on keeping your car more than three years and if you drive your car over the recommended 12,000 miles annually, then you are a good candidate for the extended warranty program .

Dealerships know that consumers trust them, by nature. An establishment that deals with billions of dollars in sales each year could not possibly rip you off over a technicality like the extended warranty, could they? Well, maybe they do not mean to rob you blind, but think of the dealership as a retail operation.

If you've ever worked in retail, whether it's clothing, furniture, consumer gadgets or automobiles, then you know that retailers mark up the cost of their items anywhere from 100% to 1,000% of the cost value! Now imagine how much extra you could be paying for your extended vehicle warranty. Do not be afraid to go directly to the source and purchase your warranty online from a trusted company like Warranty Direct.

Another factor to consider is auto warranty for "wear and tear." This type of warranty can be hard to find, since many only cover mechanical failure. However, you can definitely find extended warranty coverage that includes "wear and tear," thereby covering parts like the idler arm, piston rings, U joints, CV joints, wheel bearings, motor mounts, suspension bushings, tie rod ends, seals, gaskets and other engine parts that typically wear down and may or may not cause a mechanical breakdown.

If you have an anti-lock braking system, then you'll want to make sure your coverage extends to ABS and instances of overheating. The comprehensive website, carbuyingtips.com recommends Warranty Direct and Nation Warranty Corporation, which both include "wear and tear" in their plans.

The most important thing is that you do not feel rushed or hassled into securing the extended warranty for your car immediately. Most auto warranties allow you the option of buying later; yet of course, you should only delay as you research, rather than allowing enough time to elapse so your car is a liability. Like with health insurance, it's much harder to get coverage once problems arise.

As with anything, the extended auto warranty is a "buyer beware" scenario, but if you do some homework and understand your auto habits, then the couple of thousand you pay today can save you a small fortune tomorrow.

Credit Card Debt Consolidation – The Hidden Dangers

Credit card debt consolidation sounds great, pay off high interest bills, but credit card debt consolidation has hidden dangers that you must be aware of before you proceed. Drowning in debt can be frustrating and anxiety filled but make sure the relief you seek is truly beneficial to you, let’s discuss what to watch out for.

Credit card debt consolidation loans offer the ability to swoop in and pay off your high interest card debt, allowing you to apply more of your payments towards your balance owed and seize control of your finances back from your creditors. It seems like an easy choice on the surface, and in most cases it is beneficial but there are some common financial traps you must avoid if you get a consolidation loan.

Remember that your new loan is just that, a loan, with financing fees and charges for the approval of your new consolidation loan. This in and of itself is normal, but be wary of companies that charge very high financing charges for the privilege of your loan. You may be reducing your rates with the new loan but there is no reason that you should pay more than you have to finance your consolidation.

Many credit card debt consolidation companies will offer to negotiate settlement of your debt on your behalf with your creditor. What this means is they will negotiate with your debt holder to have a portion of your debt forgiven in return for an immediate pay off of the remaining amount with the consolidation loan. This is very commonly accepted by credit card companies for delinquent accounts as they would rather write off the debt and get paid a little than risk your bankruptcy and non payment in full.

If you choose to settle your credit card debt, simply be aware of the tax ramifications for doing so, forgiven debt is typically looked upon as income come tax time with the IRS. For large settlements you might wish to seek the consultation of an accountant or tax attorney in order to receive a professional consult for your situation.

Also be aware of the affect settlement and consolidation will have on your credit score. You may already have bad credit, and are not in the process of rebuilding yet, then this won’t concern you much. Settlement of your debt has a negative impact on your credit score, and can take years to rebuild from.

Lastly, always be sure to work with a reputable and trusted online credit card debt consolidation company. There are many services fighting for your business, some promise more than they can deliver. There are companies that have earned their trust over many years through hard work and service to people just like you, stick with them for your next consolidation loan.

What is an Art Collector?

A collector would be someone very wealthy, collecting for love or money or both. It is sometimes someone who purchases on impulse. Collectors buy art because they enjoy beauty as a part of their life style. Sometimes collectors buy art to fill a void in their life.

What makes a great art collector? Having an unlimited amount of money helps but it is not essential. Some collectors treat it as a hobby: an intellectual and emotional joy which served the additional purpose of decorating one's private home. Since the end of WWII there is a different type of collector. They pursue their own passions however with an awareness that the whole world is watching. Their collections are a matter of public record and their prized possessions are on loan to other museums and companies for the entire world to see.

There are as many types of collectors as there are collections. To the avid collector, knowledge about art is far more important than money. Collecting art desires desires, passions and emotions. It speaks of addictions, obsessions and instincts. A collector can be someone who does not have huge resources of money. It could be someone who has a minimum wage income, and goes to local thrift stores looking for baby bottles to add to his bottle and glass collection.

A collector is also someone who has the courage to buy the work of an artist early in their career; when the artist is still virtually unknown. Anyone can buy the work of a known artist if they have the money. Some collectors are in love with their collections and say good night and good morning to their favorite painting. This is probably a little sentimental and extreme; however it is this passion that creates a great collector. Collectors treat their collections and take the same measures as a museum would do to protect its art. In some cases ceramics and marble statues are bolted down to protect against earthquakes. Certain collectors have high standards when buying a work of art. A work has to be museum quality.

The artist and the collector create a partnership or sometimes a whole; two people coming together to create one organism almost like a marriage.