1. About The Author

Jimmy D. Brown

Jimmy D. Brown is widely considered one of the web’s leading email marketing consultants. He’s been one of the featured speakers at the world’s largest Internet marketing seminars, such as the Big Seminar and the System Seminar.

He’s been interviewed by some of the most successful marketers in the world, like Yanik Silver and Jim Edwards. He’s privately counseled some of the top "gurus".

And those who’ve submitted testimonials for his products are like a who’s who ofInternet marketing…

1. John Reese
2. Armand Morin
3. Terry Dean
4. Paul Myers
5. Stephen Pierce
6. Jim Edwards
7. Alex Mandossian
8. Phil Wiley
9. Ryan Deiss
10. Jason Potash

Just to name a few

HisSmallReportsFortune.com course is getting rave reviews from seasoned Internet Marketers as well as from college students, stay-at-home moms and retired grandparents.

In the Small Reports for Big Profits system he outlines a step-by-step plan that is simple to follow, yet incredibly powerful when it comes to generating large amounts of profits (think 6 figures).

Jimmy has helped thousands of people establish and grow online businesses since 1999, and has created "dozens of best-selling internet marketing courses".

When he’s not working, Jimmy is found spending time with his family (lovely wife Paula and “just as stubborn as his daddy” son, Jacob) or out playing tennis.

He has an online daily devotional site at LifeTurns.com where it is his mission to encourage and equip readers to make Bible-based decisions in their lives.

Other best-selling products from Jimmy:

• ListProfitSystem.com
• SalesArmySecrets.com
• EasyCoachPro.com
• HomepreneurHabits.com

2. Introduction

Hi, Jimmy D. Brown here, and I’d like to welcome you to the “Ten Proven Ways to Make at Least $10K Every Month” report!

I’m really excited about this report. And that’s because it seems everyone wants to know how to make $10,000 a month online so they can blow past the magical “six figures a year” milepost…

Just browse your favorite online marketing forum for a few minutes, and I’m guessing you’ll unearth dozens of similar requests.

Plus if you could take a peek inside my inbox, you’ll see it’s one of the top questions I get from beginning marketers. (And, believe it or not, experienced marketers too.)

That’s why I decided to create this special report for you and everyone else who knows that it’s possible to make $10K a month online, but haven’t yet broken through that barrier.

I’m not going to give you just one plan. No, instead – I’m going to give you TEN proven ways to make $10,000 a month online!

Now, let me just say this up front: this isn’t a step-by-step tutorial.

Each of these ten methods of generating money could have VOLUMES written about them individually.

There’s no way I could thoroughly explain them all in this short report. They are just too in-depth.

This report will give you some different options that await you so you can make an informed decision on which type of income generator is best for you.

If you’re looking for a detailed, step-by-step course, this isn’t for you.

But, if you’d like to know what some different methods of generating income online are and would like to determine what ONE thing you need to focus on among the many options available, you’re gonna love reading this report.

Let’s get to it…

#1 – TYPE Your Way to $10K

Here’s a direct path to $10,000 monthly:

Create and sell your own information products

Many people who are just starting out don’t even realize that they have knowledge that other people would be willing and even eager to pay for – and chances are, there’s an eBook in you that could make you rich!

Maybe:

• You’ve lost a lot of weight and could teach others to do the same
• You know how to stretch the family budget
• You could teach others how to create and sell crafts
• You know how to get into graduate school
• You know how breed and raise poodles
• You’ve had years of homeschooling experience
• You’ve been a pastor of a church for thirty years
• You know how to trim shots off of a golf game.

The above list includes just a few ideas… but the sky is the limit!

Take time to brainstorm your interests and talents, and you’ll quickly discover that you know a lot about a particular topic.

So once you’ve figured out what to write about, what do you do next?

Below is a step-by-step overview of the entire process :

Remember that most of what you see on the list below can be outsourced to competent freelancers:

1. Research the market to ensure your idea is profitable
   Your goal isn’t to find a market and give them a product that requires them to first be educated about why they need this product. That’s the long, hard and expensive way of making money. Instead, your goal is to choose a hungry niche… and then give them a product that they’re ALREADY buying.

2. Research the competition so you can develop a better product
   Now, you don’t want to just give your market the exact same product as the competitors are delivering to the customers. You want to make your product unique – and you want to make it better. So your next step is to research the competitors’ products to discover how you can improve upon the products the market is already buying.

3. Create the product. Next, it’s time to take action
   Shut the ringer off on your phones, lock the door, close your email… and start typing. Start with an outline and a goal to write XXXX of words per day. Then keep typing until you finish your ebook – don’t worry about editing, because you can do that once the draft is finished.
   Quick Tip: If you don’t like to type, then try a voice-to-text product like Dragon Naturally Speaking. If creating the product doesn’t sound like something you want to do yourself, then outsource the task.

4. Set up your website, including a lead-capture system
   Next, you need to write a sales letter that sells your ebook and upload it to a web page. You’ll also want to set up a squeeze page with an autoresponder as a means to get your visitors to join your newsletter list. This is important, because most people won’t buy your ebook the first time they visit your site – the money is in your list!

5. Set up your backend sales system
   Most people don’t get rich selling just one product. Instead, they find their wealth is hidden in the backend of their business – this is where existing customers buy more products and more expensive products from you.

As such, even as you create your first product, you need to also be developing your backend sales system. You should set up various ways to contact and pitch additional products to your existing customers, such as by email, postal mail, membership site forums, blogs or even through links in the products they’ve already purchased.

And there you have it – the five-step path to riches. It’s not a complicated process.

Indeed, you can boil it down to a few words:

"Find a hungry market and give them what they want. So, that’s your first option. Creating information products".

#2 – TEAM Up With Other Marketers

If you like the idea of making a lot of money, but you do not like the idea of creating your own products, then – You may want to consider affiliate marketing.

Affiliate marketing is when two marketers come together – one with a product and one with an audience – and they split the profits on all sales they make together.

The affiliate sends traffic to the product creator’s sales page, and the product creator closes the sale and gives a commission to the affiliate for every paid referral.

You can become an affiliate for nearly anything – from Dell computers to beer-making machines to books and products on sites like Amazon.

However, when you’re an affiliate for physical products, you generally receive a small commission – perhaps only 5% or 10%. That means if you’re selling a $100 product, you’ll only get $5 or $10 for every paid referral you send to the merchant.

Important : Don’t discard affiliate marketing just yet. You see, if you promote downloadable products like ebooks, you can get as much as 50%, 75% or even a full 100% commission for every product you sell!

Now imagine those sorts of commissions on a $100 product, and you can see how the money can pile up pretty quickly in your bank account.

Here’s an overview of how to make your fortune with affiliate marketing :

• Find a hungry market
  Some people find a product and then go looking for a market. A better way to do it is to find a hungry market that’s flush with cash first (because finding a product is the easy part).

• Find out what this market is already buying
  The easiest way to make money online is to sell what people are already buying.

• Find suitable products
  Go to Clickbank.com to browse for affiliate products that are similar to what the market is already buying. Be sure to read the products and research the merchant to make sure you’re dealing with a good merchant.

• Set up a lead-capture page
  NEVER send your leads straight to the merchant’s page. Instead, set up an autoresponder series and a related freebie (like a free ebook) to get all leads on your mailing list. THEN you can recommend that those on your mailing list purchase certain products.

• Start sending traffic to your lead capture page
  Use pay per click marketing, search engine optimization, article marketing, blogging, social media marketing, forum marketing, viral marketing and similar strategies.

That’s it! Just build a list of targeted buyers, find affiliate products that solve their problems, and recommend those products.

Just like that, you’re on a path to $10,000 a month!

#3 – TAP into the Backend Automatically

As you’ve already discovered from the previous two paths to riches, the money isn’t in your products… it’s in your list.

And the easiest money you’ll ever make is by selling more products and more expensive products to your existing customers (i.e., sell on the “backend” of your business).

Smart marketers spend considerable amounts of time building their sales funnels (backend sales systems).

They know the hard part is getting the prospect into the funnel – but once the prospect starts buying, they’ll continue to buy provided you’re solving their problems and giving them a good buying experience.

And so savvy marketers are constantly coming up with new ideas, creating new products, and figuring out ways to convert their existing customers into repeat buyers.

Now imagine if you could sell a product to your customer once… and then do so automatically every month after that, with no additional persuasion on your part.

Would that make it easier for you to run your business? And would you be able to make a whole lot more money? Yes and yes!

Fortunately, there already exists a way for you to tap into the backend income automatically and effortlessly.

Namely, by creating a monthly membership site.

Here’s the idea :

• Instead of selling a new product to your customers every month, you set up a membership site with a monthly fee. Your customers are billed automatically. And all you have to do is update the site once a month. You can even outsource this task, meaning you’re earning a residual income almost on autopilot!

• Just imagine setting up a membership site with a $20 monthly fee and getting just 500 customers. Each and every month your payment processor rebills these customers, and you earn another fast $10,000!

Here are just a few ideas for membership sites you could set up :

• A site that offers a service , like web hosting. Or you could offer something like sales letter critiques or college essay critiques.

• A site that offers lessons on a topic . For example, you could have a six-month or twelve-month course on how to get an online business up and running. Or you could offer a course on something like how to do home repairs and maintenance.

• A site that offers a new product each month . Think of Time Life books here or the “Wine of the Month” club. Every month the customer receives a new product, and it doesn’t have to be a physical product. It could be a series of related ebooks – perhaps “how to” nonfiction books, or a “romance ebook of the month” club!

Those are just a few ideas. You’ve no doubt been a part of some of these sites, such as sites that deliver new software to its members every month, sites that offer large discounts on niche products, sites that offer private label rights (PLR) products to resell, and so on.

All you have to do to get started is :

1. Choose a hungry niche

2. Find out what they’re already buying and what they want

3. Set up a membership script and payment processor

4. Set up a squeeze page and a sales page.

Obviously, there are a lot more details to it than that, but this is the general path you’d take in order to setup a membership site. The best part of it is this: customers pay you monthly on automatic rebills!

#4 – TAKE Advantage of eBay®

There are plenty of people who make a good living on eBay® … and you can too!

Just think about it for a moment –

eBay® is one of the largest marketplaces in the world.

When you tap into the power of eBay®, you don’t have to spend a moment thinking about where your target market congregates and how to reach them.

That’s because your target market comes looking for you on eBay®, rather than you having to look for them.

And anyone who’s browsing eBay® is likely planning on buying something, which means almost everyone who looks at your ad will be a person who already has their credit card out.

You’d be hard pressed to find “hotter” leads than the people browsing eBay®.

So, how can you take advantage of this incredibly large pool of buyers?

There are plenty of ways to do it. But in general, you’ll likely use one of two models :

1. Use eBay® strictly as a lead generator
   If you browse the closed auctions, you’ll see certain sellers who consistently seem to be profiting very little on every product they sell. And indeed, they may even take a loss.
   Why would someone choose to lose money on eBay?
   Simple : Because they’re using eBay as a lead generator. That means they’re selling low-cost products to pull people into their sales funnel. Once the buyers are in their sales funnel, then the marketer works to sell them more products and more expensive products via email or even postal mail (e.g., direct response postcards, letters or even catalogues).

2. Use eBay® to directly pull in a handsome profit
   This model is really a combination of direct profits and backend selling. Here, the marketer not only offers low-cost products to pull people into his sales funnel, but he also offers high-ticket products directly to eBay buyers.
   So while he may break even on his low-ticket products, his high-ticket products are paying his mortgage.

The model you choose depends on what you’re selling. In certain markets, you’ll find it difficult to sell high-ticket products directly on eBay, because people tend to look for bargains.

But if you’re selling something like antiques, you may find you get higher prices by putting them on the auction block rather than by offering them for a fixed price to your customer list.

Which brings up the next question: What should you sell?

In order to succeed on eBay, your best bet is to choose a hungry niche and focus almost entirely on that one niche. In other words, specialize.

Once you find the hungry niche, find out what they’re buying… and start giving it to them.

This could be antiques, clothing, information products, collectibles, artwork, exercise equipment or anything else.

You can create your own products, sell products that you have the resell rights to, use a drop shipper to sell products, and so on.

Quick Tip : If you’re selling downloadable products like ebooks, eBay now requires you to mail the product, which means you’ll either need to make a print product, or you need to put the product on a flash drive, CD, DVD or other device.

#5 – TARGET Other Marketers

So far, we’ve talked about different ways to make $10,000 per month which mainly (although not exclusively) focused on selling directly to consumers.

But another way to make a lot of money fairly quickly is by focusing on other marketers.

That’s because people will pay handsomely if you can give them what they need to make even more money.

And one way to do that is by flipping websites (i.e., selling or reselling websites).

There are two ways you can build a business flipping websites. You may focus on either way exclusively, or you may combine them to grow your business.

Here are the two models :

a) You build niche websites and sell them directly to consumers

Within this overall model, there are a few different ways you can build these sites:

• You can create exclusive websites and sell one site to one customer for a higher price.

• You can create a template site, load it with private label content, and sell it to multiple customers (provided these customers know it’s not an exclusive, unique site).

Some marketers who sell exclusive sites simply create the site, load it with content and sell it directly to other marketers based on the traffic and profit potential. If you have a system for building sites very quickly, this can be lucrative.

Other marketers choose to spend a few months building the content, traffic and income – and then selling the site at a much higher price.

Since the site is pulling in traffic and a profit (even if it’s a small profit), it commands a higher price because there’s proof that it’s profitable. People are now buying into proven profits rather than profit potential.

b) You buy poor-performing niche websites, tweak them, and resell them for a higher price

The second way to make money flipping websitesis by scooping up cheap, under-performing websites, tweaking them, and reselling them for a tidy profit.

Here’s how :

• Search places like eBay, SitePoint.com, DNForum.com and similar marketplaces for low-priced, low-profit websites where you can clearly see how to boost profits. You can usually pick them up for a few hundred dollars.

• Tweak the sites. Improve the sales process, monetize the site better and start driving traffic.

• Once you have better conversion numbers and the site is making a proven profit, resell it for around 6-12 month’s worth of profits. For example, a site making just $100 per month could sell for $600 to $1200 (or even more, if you find the right buyer).

• Reinvest some of your profits into buying more sites. Rinse and repeat until you’re making at least $10,000 a month!

#6 – TAG and Ping Your Way to Riches

Can you turn mere words into $10,000 per month – without actually selling those words as an ebook or other information product?

You bet you can!

Namely, by blogging your way to wealth!

Here’s the idea :

You set up a niche blog that’s of interest to a very specific audience. Then you monetize your blog in one or more of the following ways:

• By promoting your own products to the people who visit your blog weekly or even daily.

• By promoting affiliate products (i.e., other people’s products).

• By promoting CPA (cost per action) offers, where you get a commission every time your visitors perform a specific action such as filling out a form

• By using Google AdSense, where you make money every time someone merely clicks on an ad on your site.

• By asking for and accepting donations on your blog. (Don’t discount this tactic – there are several well-known bloggers who make over $100,000 per year almost entirely through donations.)

So, how do you go about starting a blog that can bring you $10,000 per month?

Here’s an overview of the simple yet lucrative process :

1. First, choose a hungry niche
   They should not only be hungry for information (so that they’ll read your blog), but they should also be willing and eager to put money down to solve their problems or otherwise improve their lives. Figure out what they’re already buying (which will help you decide how to monetize your blog).

2. Second, research the competition.
   Visit the busy, popular and profitable blogs in your niche to find out what makes them so popular and busy. Then figure out how to set your blog apart and make it better.

3. Next, buy a domain at NameCheap
   GoDaddy or elsewhere that reflects the topic of your blog and webhosting at a reliable web host like HostGator.com or ReliableWebs.com.

4. Fourth, go to WordPress.org and download the latest version of the blogging software
   Install and customize it.

5. Next, start blogging!
   Populate your blog initially with about ten posts, just so your early visitors get the impression that you have a popular blog with good content. Then commit to updating your blog at least two or three times per week. If suitable, you may even want to update it daily.

Quick Tip : You don’t have to sit by your blog every day and manually update it. You can pre-load content and “drip” it to your readers on a pre-set schedule. You can do this by either loading up the content and setting it for a future posting date, or by purchasing autoblogging software that does all the work for you.

Here’s what else you need to know to start driving traffic and making money :

• Optimize your posts for the search engines by creating articles around specific keywords. You may use WordTracker or any keyword tool to find out what niche keywords your market is already searching for.

• “Tag” each of your posts using relevant keywords. WordPress allows you to add tags (keywords) automatically when you’re posting your articles. You can also use your keywords as your category titles.

• Ping the blog directories as necessary so that they crawl your site whenever you make a new post. If you’re using WordPress, it pings the directories automatically. Otherwise, you can use a service like pingoat.com.

• Finally, you need to create content that gets people coming back to your site again and again.

You may create posts such as :

• “Top ten” lists
  Create several useful top ten lists, and your blog will become the “go to” place for niche-specific information. For example, a weight loss site might list the top ten diets, the top ten weight loss supplements, the top ten exercises, the top ten fat-burning foods and so on.

• Product reviews in your niche
  Be sure to list the product flaws as well as the good points, as absolute honesty fosters trust… and sales! Be sure to use your affiliate link.

• Controversial articles that go viral
  Don’t be afraid to polarize your audience. You may repel some people, but you’ll draw your target market closer to you.

• Highly useful content (the type of content that others are selling).

• Strong opinion articles (which can often create a buzz)
  Go ahead and get passionate while taking a strong stand.

• Articles that join conversations already going on in your niche.

• If you take a different viewpoint or form a strong opinion, people will migrate to your blog just because you’re offering something different.

• Answers to frequently asked questions. (Just visit blogs in your niche to see what sorts of questions people are regularly asking.)

• And anything that sets your blog posts apart and gets people talking and linking to your blog.

#7 – TRANSFORM Your Digital Products into Physical Products

If you’re already selling ebooks or other downloadable information products, then you know just how lucrative it can be to turn your words into cash. Indeed, selling ebooks is just one path to $10,000 per month.

Here’s another :

Start selling your digital products as physical products… and pocket a hefty profit!

There are a few good reasons why you should do this :

a) Physical products carry a higher perceived value

When someone can hold a product in his or her hands, it’s often viewed as having more value than a digital product.

In other words, the exact same paper book is valued more than the digital version sitting on their hard drive.

You benefit from this perception because it generally allows you to charge more for the product.

Example: A small ebook package that you charge $100 for could easily become a $500 home study course.

The actual printing cost ends up being just a few dollars per book… and you get to pocket the rest as pure profit!

b) Physical products incur fewer refunds

When people have to actually “work” to get their refund, you’ll find fewer people casually asking for refunds as opposed to the “serial refunders” you’ve likely encountered when selling ebooks.

That’s why print products incur fewer refunds, because customers are required to ship the product back to you.

End result: You get to keep more of your profits!

c) Physical products are sometimes viewed as more “respectable,” which elevates your status in your niche

Finally, offering a physical product almost instantly positions you as an expert in your niche, which fosters trusts and spurs sales. It doesn’t even matter if you’re self publishing a book – some people have a tendency to view authors of print books as more reputable than ebook authors.

By now it should be fairly clear why you should transform your digital products into physical products.

Your next question is, “how?”

Fortunately, plenty of “print on demand” (POD) publishers and fulfillment companies have sprung up to make it easy for you to sell physical products. Check out Lulu.com, CafePress.com and Disk.com for your printing and fulfillment needs.

#8 – TWEAK and Flip Information Products

Here’s another way to profit from information products without having to deal with the product creation yourself.

Namely, by buying, tweaking and then reselling products that come with product label rights (PLR).

PLR products are those products where you purchase the right to modify the product and, generally, do with it as you please (as long as you follow the terms of your PLR license). That means you usually can modify the product, break it up, add it to another PLR product, change the format (e.g., create an audio product or a physical product), sell it, give it away, etc.

Now here’s why this can be so extraordinarily profitable…

Even though 20, 200 or even 500 people might have the rights to this same product, very few of them will actually take any action.

Of those that take action, most will simply use the PLR product as-is, without any modifications whatsoever.

However, all you have to do is invest an hour or so of your time to modify the product, thereby creating a new, unique product.

Then you can change the title, create new ecover graphics and tweak the sales letter.

The best part? That one hour you invested eliminated all your direct competition, because you’re selling a unique product!

Quick Tip: You don’t even have to rework the product yourself. Visit elance.com or similar to find a competent freelancer willing to rewrite and tweak PLR content. Some will do it for just a few pennies per word.

Here’s how to make this profit plan work for you :

1. Start by finding a hungry niche market
   Once you do that, then find out what they’re already buying. As usual, there’s no reason to innovate when you can latch onto a profit from a “sure thing.”

2. Find PLR content similar to what your niche is already buying
   Search Google for your keywords alongside the word “PLR” or similar. So, for example, “weight loss PLR.”

3. Tweak the content
   Minimally, that means rewrite the introduction, rewrite the conclusion, rename the chapters and create a new title.
   Ideally, you should also add to or otherwise modify the content to make it your own.
   Quick Tip: You may also “nichefy” the content, which means you tweak it to speak directly to a niche market.
   To get the most benefit from your PLR investment, you can keep modifying the product to spawn dozens of new products aimed at different niches. So your weight loss book might also be tweaked to target new moms, senior citizens, sedentary office workers, people in wheelchairs and so on!

4. Set up a lead capture system and sales funnel
   You may pull in a tidy up front profit from your PLR content, but the real money lays hidden in the backend. That means you should always be selling more products to your existing customers. You can keep selling PLR content, of course. You can even set up a membership site to tap into the backend income effortlessly!

5. Create a sales letter – or tweak the sales letter includes in the package

6. Drive traffic to your site and start counting your money!
   As you can see, this is an extremely fast and easy way to start making money. Whereas it might take you weeks or even months to create your own product and start selling it, you can buy a PLR package in the morning and be making a profit in the afternoon.

#9 – TRADE Products Online

I call this little $10,000 a month strategy “trading,” since it not only utilizes common trading marketplaces, but also because the products will only be in your possession for a short amount of time.

You can also think of it as “flipping” products, since you’ll be buying products at a low price and selling for a tidy profit.

You’re probably wondering what types of products you can flip.

If you’ve read the rest of this report, then you already know the answer.

Specifically, you need to find a hungry market first… and then give them what they’re already buying! And as usual, be sure to specialize by focusing on one ravenous niche.

Tip: Not sure what to sell?

If you have any interest in antiques and collectibles, then that’s one avenue you might want to pursue.

Selling antiques and collectibles is virtually recession proof.

Even if the sales slow for a while, the price almost never goes down (as the general trend for the value of an antique is to rise year after year).

Now, what makes this $10K strategy different from some of the others we’ve talked about are the following two points:

• This strategy focuses solely on physical products.

• You’ll have your phone ringing off the hook with people who want to sell their products to you for dirt cheap!

So, how does it work? Like this :

1. Figure out what products you’re going to sell
   Maybe you’ll sell antique pocket watches, baseball cards, unusual artwork, jewelry or anything else. Find a hungry market who’s already buying these products, and you’re in business.

2. Learn everything you can about these products… especially if they’re antiques or collectibles
   Find out what markings make them extra-rare (and valuable), as well as what can detract from the price. Study eBay closed auctions to get a feel for the price ranges of these products.

3. Find cheap products
   Once you know the minimum these products generally sell for, then seek out products for less than that amount.
   Example: If you have know that a certain type of pocket knife sells in a range of $50 to $125, with most selling for around $75, then your job is to buy these knives for LESS than $50.

Here are the best sources to find these products (or to have buyers contacting you) :

1. Place an ad on CraigsList
   If you’re dealing in small products that are easy to ship, then you can place ads in cities far away from you. Don’t make the ad about you – make it about the benefits the reader will receive (e.g., “Get cash for your old pocket watches”).

2. Place want ads in your local paper.

3. Place want ad flyers in your neighborhood.

4. Ask for referrals from everyone you know, especially those who’ve sold something to you in the past.

5. Go to local rummage sales, flea markets and estate auctions.

6. Search online auctions (like eBay or even niche auctions) for mislabeled products, misspelled products, products with poor descriptions or pictures, etc. You can pick up bargain-priced products that you can quickly flip for a profit.

Once you have the products in hand, all you have to do is take good pictures of them, write compelling auction descriptions and immediately flip them on eBay, niche auction sites, Yahoo! Auctions, or even on CraigsList.org.

Once you’ve built up a buyer’s list, then you can start selling these products directly to your list.

#10 – TURN Cheap Products into Cash Cows

This strategy is similar to the former strategy in that your goal is to buy products for cheap and sell them for a tidy profit.

The difference is – You’re going to focus on regular products rather than antiques or collectibles, and you’ll be buying these products from different sources.

Here’s the key :

1. You’re going to buy liquidated merchandise, closeouts, overstocks or other heavily discounted merchandise.

2. Then you’ll sell them individually to consumer or in bulk to another merchant.

The best part about this $10K per month strategy is that it’s recession proof.

Indeed, it actually works better in tough economic times, because there are always stores liquidating their stock and going out of business.

You can turn their bankruptcies and misfortunes into your cash cows!

Here’s how to do it :

1. Search for sources online by using search terms like “liquidations” and “closeouts.” One source is the “Closeout News,” which is a subscription based print publication. There are also ads on their websites.

2. Check eBay for merchants selling products in bulk. You can usually get bulk products much cheaper per piece than if you bought them individually.

3. Keep an eye on your local region for companies going out of business. But here’s the secret most people won’t tell you – don’t just look for retail stores with regular merchandise you can resell…

Remember, every type of business will have items they need to get rid of – from office furniture to office supplies. And even the retail stores will have fixtures and other items besides their inventory.

You can walk in, talk to the owner, and make a cash offer for everything.

Once you have your discounted products in hand, there are several ways you can make a profit (depending on the product and how many pieces you have):

• Sell the products individually to consumers through your classified ads, CraigsList or eBay. If you received a deep discount, you’ll likely be able to offer the product at a discount to your customers as well (while still making a nice profit for yourself).

• Sell online in bulk to another merchant (again, through eBay or a classified site). You won’t make as much money as when you sell them individually, but it also won’t be as much hassle (and you’ll recoup your investment and pocket a profit faster).

• Sell the products at a wholesale price to your local merchants. If you purchased the products below wholesale price, then you can sell them at wholesale price to local merchants. It’s a win-win situation – you make money flipping the products quickly, and the merchant ultimately makes more money too.

• Arrange to sell the products on consignment with local merchants. You may even make an arrangement to set up and maintain a display in one or more local stores, where you and the merchant share the profits.

• Get a table at your local flea market and sell the products. If you have any high-traffic flea markets in your area, you may find it highly lucrative to rent a regular table and sell your wares all summer long (or all year long, if it’s an indoor market).

These are just a few ideas to get you started buying cheap products and selling them for a profit.

But it’s actually just the tip of the iceberg. Don’t let the simplicity fool you, because there are people doing this part time (just a few hours per week) and pulling in $10,000 per month. Imagine how much money you could make if you did it full time!

Conclusion: Pick Your Cash Cow!

Congratulations – you now know ten proven ways to earn $10,000 every month!

Let’s recap…

#1 – TEAM Up With Other Marketers – and make a bundle with affiliate marketing.

#2 – TYPE Your Way to $10K – Someone wants to pay for what YOU know!

#3 – TAP Into the Backend Automatically – Membership sites provide a passive income.

#4 – TAKE Advantage of eBay – Tap into the world’s largest marketplace!

#5 – TARGET Other Marketers – Instead of selling to end consumers, you can sell profitable websites to other marketers.

#6 – TAG and Ping Your Way to Riches – You could be the next $10,000+per month blogger in your niche!

#7 – TRANSFORM Your Digital Products Into Physical Products – Physical products have a higher perceived value and lower refund rate. That means more money in your pocket!

#8 – TWEAK and Flip Info Products – You can buy PLR products and sell them for a nice profit!

#9 – TRADE Products Online – If you like physical products (especially antiques and collectibles), this is the strategy for you.

#10 – TURN Cheap Products Into Cash Cows – You can get wealthy during a recession using this strategy!

Now that you know these ten profit strategies – There’s only one thing left for you to do: Choose one.

Don’t agonize over this decision. The reason is because these are all proven ways to make at least $10,000 per month.

The “best” one is easy to spot – it’s the one that looks the most attractive to you. The one that suits your lifestyle is the one that will bring you the most money!

So go ahead and choose your cash cow right now (yes, now)… and then get started working on your path to riches!

God bless,

Want Lots More Free Internet Business Training?

Drop by Jimmy D. Brown’s blog for informative articles, reports, newsletters, minicourses and much more.

Click here to visit for the latest updates.

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Bank on Your Future

A. Why open a checking or savings account?

Convenience
When making purchase at the super market, department store, or pharmacy, you can use a Debit Card or Automated Teller Machine (A TM) card instead of carrying cash or writing checks. It is the same as using cash, but safer and more convenient. Also, with an ATM card you have access to your money from cash machines around the world!

Money
You may be spending a lot of money every year cashing checks or buying money orders to pay your bills. A checking or savings account will help you better control your budget and will allow you to pay bills directly without having to use money orders.

Education
Saving for your children’s college education is the most important thing you can do to help them secure a bright future! Banks and credit unions offer options for financing a college education – and savings accounts to help you make that goal a reality.

Safety
Carrying cash on pay day or keeping large amounts of money at home can make you a target for robbery and assault. Protect your family’s future and well-being! Open a bank or credit union account. There are people ready to help you, and a bank account comes with many other benefits.

Credit
Banks and credit unions make loans for cars, homes, and many other items – but first, you have to establish credit. Opening a checking or savings account is the first step to establishing credit and making the dream of owning a home come true.

B. How Do I Open an Account?

• There is help!

• There are many people ready to talk with you about how to open a checking or savings account.

• Ask someone who has opened an account for advice.

• A counselor in a community center can describe how the process works and help you find banks and credit unions that have bilingual employees who can explain step by step how to open an account.

• Call different banks and credit unions and ask to speak with someone who speaks your language.

• Be sure to get information from more than one bank or credit union to find the best services at the lowest cost.

• Remember, the bank or credit union is there to serve you. You are the customer!

C. Is my money safe?

Even if something happens to your bank, the U.S. government guarantees your money up to $100,000 as long as the bank is FDIC-insured or the credit union is NCUA-insured. Look for the official FDIC or NCUA sign when opening an account.

D. Credit unions and banks – what’s the difference?

Credit unions are similar to banks, but they tend to be smaller and serve people who are members of a particular group. For example, there are credit unions for people who work in government, who teach in public schools, or who live in the same city or neighborhood.

E. How much money do I need?

You usually can open a checking or savings account with a deposit of $1 to $100. Ask how much is required to open an account and how much is required to avoid fees.

F. What identification do I need?

In most places, two types of identification are required. A social security number is always accepted – but many banks and credit unions do not require one if you are not a U.S. citizen. Sometimes one form of ID and a bill with your name and address are enough to open an account.

Call first to find out. Consular Identification. Consular ID’s, such as the matricula consular, can be used to open accounts. Mexican and other consulates in the United States offer them. Visit your country’s consulate for more information.

Other types of identification: Driver’s license. Passport. Birth certificate. A bill with name and address.

G. What are checking and savings accounts?

A checking account allows you to write checks or use debit or ATM cards instead of paying with cash. Paying with a card or check is safer than carrying cash.

A savings account pays a fixed or variable interest rate on the money in your account. The higher the interest rate, the more money your account makes.

H. What is interest?

Most savings accounts pay a small amount of interest on the money in your account. That means your money is making money while it is in the account. The more interest your account pays the better. Remember that interest earned will have to be reported as income and is subject to federal taxes.

I. Advice to Save your Money

Monthly Charges
Many checking accounts charge a fixed monthly fee or a fixed amount per check written. You often can avoid these charges by maintaining a minimum balance in the account. Many banks offer free checking without a monthly fee, but they may require direct deposit of your pay check, or include other charges. Keep an eye out for the cost of additional services.

Minimum Balance
A minimum balance is the amount of money that you must keep in your account to avoid having the bank charge you a monthly fee or charge you to write checks. Some banks do not require a minimum balance but others require hundreds of dollars. Ask about minimum balance requirements when opening an account.

Transaction Limits
Banks and credit unions often limit the number of checks you can write on your account each month without being charged a fee. However, there are some accounts that do not limit the number of transactions. Ask about transaction limits and check fees when opening an account.

Debit and ATM Card Fees
You can use a debit or ATM card to withdraw money from your account or to make a purchase. These cards often are offered to account holders free of charge. However, be aware that other fees may apply to these cards. For example, it usually costs money to use ATM machines that are not operated by your bank or credit union. Ask about ATM and debit card fees.

Bounced Checks or Insufficient Funds
It is important to always know how much money you have in the bank! If you write a check for more money than you have in your account, you can bounce the check. That will cost you the amount of the check plus an extra $20 to $60 in bad check fees. Remember, you can have the same problem using your ATM or debit card.

One solution is to have a checking account that links to your savings account. That way your savings can cover your check if there isn’t enough money in your checking account. There may be a charge for this service, but it is cheaper than bouncing a check.

Other accounts offer a line of credit against bounced checks. The bank or credit union will automatically loan you the money to cover a bad check, but it will charge a very high interest rate that can end up costing you a lot of money. To avoid these problems, make a budget and stick to it!

Loans and Credit
How good is your credit? If you have a good credit history, you can qualify for loans that cost less. Having an account is the first step for getting low cost credit. You can establish good credit by paying your bills and loan payments on time. Loans can be useful for making major purchases, such as a home, a car, or college education for your children. Make your payments on time. This will save you money and will open the doors to credit.

J. Read in the other series

• Car Loans
• Credit, Debit, and ATM Cards
• Home Ownership
• How to Avoid Dangerous Loans
• Identification Needed for an Account
• Reduce Your Taxes
• Send Money Back Home
• Using Credit Cards

To download all of the content in this series, log onto www.appleseeds.net

K. Helpful Information

Federal Trade Commission
Consumer help line: 1-877-382-4357.
Identity theft line: 1-877-438-4338.

Fannie Mae Foundation
Free guides on credit and home loans.
Call toll free: 1-800-611-9566.
Español: 1-800-782-2729.
www.homebuyingguide.com

Housing and Urban Development
Free advice on home buying.
Call toll free: 1-800-569-4287.
www.hud.gov or www.espanol.hud.gov

L. Online Consumer Help

Federal Reserve Bank
Brochures on credit, finances, and how to buy a car or home. www.federalreserve.gov/consumers.htm

My Money
Financial education materials from U.S. government agencies.
Call toll free: 1-888-MYMONEY (696-6639).
www.mymoney.gov www.mymoney.gov/Espanol

Call the Attorney General’s office in your state if you believe that a provider of goods and services has treated you unfairly.

Appleseed would like to thank JAM Latino and Mark Robinson for their invaluable contribution to the drafting and design of this material series.

A. That world exists

The product need not be expensive or elaborate. It can be something simple – a sticker with a happy face, a pen with a logo, or some other intriguing item. This marketing approach is excellent because you can give the product away, charging the recipients only a nominal fee for postage and handling. If you price your shipping fees correctly, you can make thousands of dollars a month.

So how do you let people know about the gifts you have waiting for them?

The best way is by placing classified ads in national magazines, an enormously successful method.

Small classified advertisements in such national publications as Popular Mechanix, and The National Enquirer produce excellent returns on such items, National publications such as these sell millions of copies each week or month.

Even a tiny return from this kind of large readership means thousands of dollars in your pocket.

One advertiser noted his ads have generated returns of seven times the cost of the classified ad. Other advertisers have done even better. To put together your own ad, begin by studying the classified ads in these national publications.

B. Study every issue you can find

Note the ads that show up issue after issue. These marketers have created a money-generating format, and they’re taking full advantage of it.

C. Study the long-running ads

Note that they’re short, but they contain a nugget of appeal that makes you want to send your money immediately.

Now try drafting your own ads. write several versions that you can try in different national publications. The ad should be simple but hard-hitting. You want the reader to respond immediately. Use the words that create an attractive picture of your product for the reader.

D. You don’t have to charge much for your giveaway product

Aim for high sales volumes at low prices, a proven technique in this market. If you come up with an ad that grabs reader’s interest, the money will flow your way.

The technique of advertising giveaway products that people can receive for the cost of postage and handling has proved so successful that there’s even a magazine devoted to showing off the free items that are given away by companies throughout the country.

E. This 32-page bimonthly magazine is called Freebies

It is chock full of these free-for-postage-and-handling items.

For a copy of the magazine, information about listing your product, and a rate card, write to Freebies, 407 State St.,Santa Barbara, CA 93120. (805) 962-9135.

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Today the need for women to work out of the home is stronger than ever. According to recent surveys, almost 70% are married and contribute up to 50% and more to the family income. Because family responsibilities play such an important part in the lives of men and women, millions of individuals and couples are seeking ways to make money at home.

In the past decade money-making, home-based opportunities that match a person’s skills, interests, abilities, and ingenuity have become almost limitless.

The purpose of this report is to show you that it’s simple and easy to join the ranks of success-minded people by choosing a work-at-home program that suits your interests and needs.

Business histories have shown over and over again that the rewards and advantages of working at home can go far beyond a person’s wildest dreams!

In fact, it’s perfectly possible to launch a small business in your garage, backyard, basement, or a room in your home, and become a giant corporation.

Your first step will be to study the company listingsin this report, and then contact those that interest you.

It’s possible that you may not be interested in many of those listed in this brief report.

But others may serve as that great motivator that makes you look further with a renewed determination.

Once you develop that mind-set, persistence will follow and the nothing will stop you from achieving your goals.

When you write to any of the companies listed in this report, you should include a self-addressed, stamped envelope. That will give the impression you are serious and insure that you receive a speedy reply.

A. BECOME A GOAL SETTER!

If you expect any level of success you must set goals.

If you expect to be successful, you must determine what that means to you and the best way to achieve it.

There are two basic steps you can take to convert goals into achievements:

1. You can decide on a specific dollar amount; and
2. You can set a time frame for obtaining the dollar amount you want.

Your goal should be specific and indicate What, When, and Where.

After making a list of every possible way you might accomplish a goal, select the method that best suits your situation.

B. IMPORTANT CONSIDERATIONS YOU MUST ASK YOURSELF

1. “How can I support my family while I build up by business?”
   This question must be worked out according to each individual’ circumstances. Many people start out on a part-time basis after their regular jobs to see how much they can handle. Then when their incomes reach a certain level they will switch over and go full time.

2. “What are my abilities?”
   To determine your abilities you will have to take an inventory of yourself. Decide what you enjoy doing the most and what you “feel” you would be good are. Examine every possibility and include every skill you have no matter how slight.

3. “Is there a market for the produce of service I have chosen?”
   Be cautious before you invest any money! Check it out by making inquiries directly to the company, competitors, or firms who are marketing a product similar to the one you are interested in. Test it on a small scale. Check it out thoroughly.

4. “How long will it take this business to reach the financial goal I must have?”
   It’s really a question of knowing how much time you can dedicate to your business, and what your profits are for that time. From there, a little simple addition will tell you how long it might take to reach a particular financial goal.

C. SUCCESS IS HAVING THE COURAGE TO BEGIN!

Starting a business at home is a economical way to start a small business that can easily grow into a larger one.

Many entrepeneurs have proven that you don’t need a huge manufacturing plant to develop a successful business.

Some of the most successful businesses in existence today started in a spare room or garage. It isn’t how you start out that is important. What really matters is, do you have the courage to begin.

D. SELECTING THE RIGHT PRODUCT OR SERVICE

Take a close look at your interests and abilities, and then decide what type of marketing you want to do.

For example, do you want to assemble items and sell them back to the manufacturer; do you want to sell directly to people; or would you prefer selling wholesale to retail outlets?

If you prefer doing piecework or assembling items for manufacturers, make certain it’s something you enjoy working with.

If you enjoy one-on-one-sales, then test the product out on your friends, relatives and neighbors.

The object is to find out what has the most appeal.

E. DEVELOP A GOOD MARKETING TECHNIQUE

A good marketing technique is one part of a business plan that is absolutely essential to its success.

In fact, the ability to properly market a product or service is actually more important than the product itself.

Even an inferior product can be a financial success if marketed properly. Seek out the advice of everyone in your field.

Explain your needs and ask them questions. Experience is the best teacher. With good advice and a salable product, you should be able to develop a winning marketing plan.

F. FINANCING YOUR HOME-BUSINESS VENTURE

• The first place to look for financing is right at home. Take an inventory of items you don’t need and have a garage sale. Most people are pleasantly suprised a how much cash they can raise in a single weekend.

• Next, turn to members of your family or close friends who have faith in you and want to see you succeed.

• Offer to repay them through profit-sharing.

• Go to individuals in your community who believe in your personal worth.

• If you have a good credit history, your banker should consider you a good financial risk.

• Two other excellent sources would be your local Small Business Administration (SBA) and Chamber of Commerce.
  SBA has low-interest loans available for qualified applicants and your Chamber of Commerce can assist you with referrals and other helpful information.

G. WORK-AT-HOME OPPORTUNITIES ARE EVERYWHERE!

Anyone who is serious about work-at-home opportunitiesneed only look around them.

There are thousands of options everywhere!

There are employment opportunities that involve becoming an independent contractor; working on a commission basis; working for a salary; freelancing for pay; getting paid by the hour, receiving pay for each piece assembled; getting paid by the project, or a combination of any of the above.

No doubt, what you finally decide on will depend on your particular needs and interests.

Read the following listings carefully, and when you’re ready contact any that interest you.

• Don’t become discouraged if the company you contact isn’t hiring right at the moment.
• Often circumstances change rapidly.
• Use your imagination to convince an employer there are great advantages to giving you work!
• Be a self-motivator and continue moving forward towards the goals you want and deserve.
• Do it starting NOW!

H. DIRECTORY OF HOME WORKER INCOME OPPORTUNITIES

LITTLEGUY’S, Box NFP, Winkelman, AZ 85292.
If you enjoy making craft items but hate selling them, or are looking for a way to sell more, look no further! This company says they will purchase home-made items from you, or refer you to other companies who are buyers. All types of hobby crafts are considered. Enclose a $0.29 postage stamp when writing for more information.

ELITE ENTERPRISES, P.O. Box 31577, Chicato, IL 60631-0577.
Get your share of the billion dollar popcorn market! Elite Enterprises has put together an incredible program for making money that involves the distribution of one of America’s favorite foods – Popcorn! 56 gourmet flavors of popcorn, to be exact. Write to Robert Doncaster for more information.

SUITCASE BOUTIQUE, 12228 Spring Court Place, Maryland Heights, MO 63043.
Suitcase Boutique is a home party. This company buys many types of handcrafted items including stuffed animals, wood crafts, toys, soft sculpture, framed pictures and cross stitch.. Crafters should send a photo an description of their products.

ARBONNE INTERNATIONAL, INC.
Direct sales of European cosmetics and skin care products. Representatives build customer bases using any direct sales method that work for them. Training and ongoing managerial support is provided. Pays commission.

CAMEO COUTURES, INC., 9004 Ambassador Row, P.O. Box 47390, Dallas, TX 75247.
Home party sales of lingerie, cosmetics and food supplements. Training is provided. Pays commission.

OLSTEN HEALTH CARE SERVICES, Staffing Coordinators.
Olsten now has over 300 offices nationwide in its health care services division. Each office has a minimum of two home-based staffing coordinators job-sharing on a seven-days-on, seven-days-off schedule. The jobs consist of taking calls during the day, evenings, and on weekends to dispatch the appropriate personnel for hospital and home health care positions. Some staffing experience or medical background is required. Write to locate the office nearest you then apply directly to that office. Pays weekly salary plus placement bonus.

DREAMCAPES, 2140 E. 7th Place 1, Los Angeles, CA 90021.
Put yourself in an exciting new profit picture with this company’s original Dreamscapes, a unique picture of sand and colored liquid that when turned over creates an endless variety of beautiful landscapes. Create mountain, desert,, and beach scenes. It’s facinating, irresistible, mesmerizing, and profitable. Sell them at flea markets, fairs, and anywhere people gather. Write for more details

HANKINS MARKETING CORP., P.O. Box 16B1, Salisbury, NC 28144.
Aching feet is America’s No. 1 medical complaint. Air-Flo Insole is a revolutionary breakthrough that helps. Its patented vacuum principle allows air to enter the insole when the foot is lifted and gradually releases it when the wearer steps down. It’s like walking on air! Learn how you can make up to 160% profit selling this item to individuals, retail and chain stores. Write for details.

NATIONAL COLLEGE OF APPRAISAL & PROPERTY MANAGEMENT, 6065 Rosewell Road, Suite 2232, Atlanta, GA 30328.
Become a professional real estate appraiser with this home study course. Study at your own pace. Enjoy excellent income potential, and become financially independent! Write for more information.

PICNIC PROJECTS, P.O. Box 87, Towanda, PA 18848.
You can make up to $600 a week or more, building and selling high quality picinic tables. If you enjoy working with wood, contact this company for more details.

VON SCHRADER COMPANY, 1600 Junction Avenue, Racine, WI 53403.
If you have ever dreamed of owning your own business, this company may have the perfect opportunity for you. Carpet, upholstery, and wall cleaning are in high demand and the profits are huge! You can offer all three of these services for a fraction of the price a franchise would. Write to them for more information.

CAJUN COUNTRY CANDIES, PO Box 53549, Lafayette, LA 70505-3549.
Whoever invented the word “Delicious,” was probably eating Roy Babineaux’s “sweetest ever yet” Cajun Country Candy! This product is a leader when it comes to “selling itself.” One taste and you’re hooked. You could be the first to introduce Roy’s world famous products into your area. Roy has a marketing plan that can make you rich! No inventory is required.

BADGE-A-MINT, 348 North 30th Road, Box 800, LaSalle, IL 6130l.
You have seen them worn by people, each with a different message, but have you ever considered the huge profits that are made from button sales? Write for details.

HOLIDAY MAGIC, P.O. Box 882314, San Francisco, CA 94188.
This company offers three different products that can be assembled at home. 1) The Christmas Oven Mitt, 2) Chrystal Splendor (a Christmas Ornament), and 3) a Valentine Heart Mini-Pillow. They pay supply costs.Write for Free Details.

SATIN DOLL ENTERPRISES, 78 Water St., Beverly, MA 01915.
Earn up to $100 per day with doll lingerie that sells itself. Write for startup information.

TV PROJECTOR COMPANY, 2410 Orchard Road, McHenry, IL 60050.
New TV Projector kit turns any TV set into a lifesize 7-foot screen! This is a product that sells on sight for only $20! You make 400% profits fast! Write for more details.

RECOGNITION SERVICES, P.O. Box 30288, Indianapolis, IN 46230.
Every business, corporation, institution, church, school and organization is a potential customer of recognition awards. As a representative of this company, you can provide jewelry and custom-made embroidered emblems that include: Lapel pins, medals, medallions, and cloth emblems that are custom made in any shape or color. Write for details.

NAVAJO MANUFACTURING CO., 5801 Logan St., Denver. CO 80216.
Navajo Manufacturing is a source of products for retailers that includes fashion and authentic American Indian Jewelry, sunglasses, toys, plush animals, and many other other novelties. Write for more details.

POLISH MASTERS, 364 Ramble Riddge Rd., Thousand Oaks, CA 91360.
Polish Masters will help you become part of the hottest new concept ever to hit the auto appearance industry. With their system you can earn up to $400 per day cleaning and polishing autos, boats, RV’s and airplanes. There is no franchise fee to pay, and they will work with you every step of the way. Write for free details.

CADIE PRODUCTS CORPORATION, 100 Sixth Ave., Paterson, NJ 07524.
Involves packaging small items produced by the company. No machinery or experience is required. Pays piece rate.

LUCKY HEART COSMETICS, INC., 138 Hurling Ave., Memphis, TN 38103.
Lucky Heart Cosmetics, Inc. carries a line of cosmetics for Black Women. Independent distributors are wanted. Commission plus bonuses Management opportunities available.

NICHOLS BRONZE SUPPLY, 389 Sebring Airport, Sebring, FL 33870.
Bronze baby shoes at home and make $250 per day. A free brochure will show you how to start making money immediately by preserving baby shoes, sports items, and many other types of keepsakes, in bronze, gold, and chinakote pearl. This company claims to be the world’s largest supplier of elegant cultured marble mountings.

DICRENS MATSON U.S.A., 21023 Gratiot Ave., East Detroit, MI 48021.
This company is looking for people to assemble clowns from their home. The work is fun and easy. Write for free details.

ARBITRON RATINGS, INC., 3312 Marshall Ave., Laurel, MD 20707.
This company hires telephone interviewers for market research surveys. Positions require communication skills and private phone lines.

NOWCO INTERNATIONAL, INC., 1 George Ave., Wilkes-Barre, PA 18705.
Work at home and cash in on the gift basket boom! This company sells gift basket packaging to the champagne and cavier trade throughout the country. Writ for more details.

CENTRAL-SHIPPER, INC., 46 Star Lake Ave., Bloomington, NJ 07404.
Involves manual assembly of color cards, swatching, inserting and mailing. Home workers receive piece rates for putting swatch cards together.

THE LYNETTE CO., 4251 Mentor Park, Mentor, OH 44060.
This company will show you how to start making money with plastercraft, manufacturing sculptured art at home. They will show you how to make a wide variety of wall palques and other fast-selling items. Write for details.

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You may change the form of this information when you sell it. This report is sold as information ONLY. The author is not engaged in rendering any LEGAL or ACCOUNTING advice. If such advice is needed please consult the appropriate professional.

PUBLISHED BY: WILLLAM SAVRAN & ASSOCIATES, INC., 87-25 CHIVE CHASE STREET, JAMAICA ESTATES, NEW YORK 11432

A. INTRODUCTION

It is the purpose of this report to teach you how to obtain a copy of your Consumer credit report and to remove such things as judgments, late payments, liens, or anything that is untrue or unfair from such reports, thereby improving your consumer credit rating.

You also have the express permission of the author to REPRINT and sell this information to others, thereby helping others to improve their credit ratings as well!

By marketing this report you will be helping others achieve their goals of improving their credit rating at terrific savings over companies that charge up to $400 or more for this simple service that anyone armed with the proper information can easily accomplish themselves!

B. WHAT IS CREDIT?

The average American has a better understanding of General Motors than he or she does about their credit rating.

Credit is used every day by millions of Americans, yet most do not have the faintest idea how our credit system really works.

Most people only know that they can pull out a plastic credit card and buy something that they don’t have the cash to pay for.

The dictionary defines credit as financial trustworthiness. Time given for payment for goods SOLD ON TRUST!

Actually, the credit system we now use is as old as the business world itself.

The trend of today that we see advertised everywhere is: “BUY NOW AND PAY LATER.” It is this philosophy that has caused millions of Americans to live from payday to payday, or from payment to payment!

Credit has been extended whenever goods are sold, or where services have been rendered and immediate payment of cash has NOT been made.

The principle of credit is the same, whether the corner grocery store owner lets a patron “put it on the tab” until payday, or an executive takes a $5,000 cash advance from his American Express(TM) GOLD CARD!

What do you think would happen to the grocery store customer if when payday came around he DID NOT pay his bill as promised?

Well, the grocer might give him more time, but chances are the grocer would no longer extend credit to such a customer. He would no longer be allowed to purchase his groceries “ON CREDIT!”

The same situation is true for the executive if he fails to pay his obligation for the $5,000 cash advance. His credit rating would be damaged, and that would make it very difficult for him to obtain a new credit card from American Express(TM) if he did not first clear up the debt that he owed.

With these examples in mind, if the grocer was stuck with a large unpaid bill, he would go around the neighborhood and tell all the other merchants that Mr. X “burned” him, and is NOT good credit risk. From that point on, none of the other merchants in town will give Mr. X any credit!

American Express(TM) would be faced with the very same problem. How would they inform other corporations that Mr. Executive is a poor credit risk? And how would American Express(TM) be able to obtain information on other clients who are applying for them for the credit for the first time?

The following pages will explain in more detail how credit is established and how you can investigate and improve your PERSONAL CREDIT REPORT.

Be sure to read each sentence CAREFULLY as your credit is your FUTURE BUYlNG POWER. More important, your credit is your name!

Before you go on reading this report ask yourself one good question. How much is it worth to you to have GOOD CREDIT?

The answer is simple. Good credit in our society is virtually ”PRICELESS !”

If your credit is not good, you will be severely handicapped in almost any financial endeavor you wish to accomplish.

Because of these facts, the very small price which you paid for this financial report and credit guide is going to prove to be one of the best investments you’ve ever made!

Throughout this material we will show you a simple and legal way to develop a AAA credit reputation no matter what your past credit shows this very moment.

Regardless of your present credit rating, whether it reflects no credit, slow credit, or simply bad credit, or EVEN if you filed bankruptcy…

YOU CAN START AGAIN! You can be one of the more fortunate individuals in the United States who holds GOOD CREDIT! You need it! You deserve it! And NOW you can have it!

C. HOW CREDIT REPORTING AGENCIES WORK

As credit increased throughout the country, there arose a great need to issue reports concerning those who are NOT a good credit risk as well as those who are CREDIT WORTHY!

Because of this great need, credit reporting agencies were formed several years ago.

These agencies, known as credit bureaus, receive information about consumers from banks, loan companies, credit card companies, department stores, as well as from other credit and lending sources.

Credit bureaus earn their profits by giving a computer printout showing a financial and credit profile of any individual (such as you or I). These reports are requested by a lender or an credit issuing firm from which you have requested credit.

Lenders will base their acceptance or rejection of your application for credit based on the information about you in your personal credit report.

If your credit report shows that you have been reliable in the past, then in most cases credit will be granted.

What if your report shows that you have NOT been reliable in the past?

Perhaps you have been like others in this country who have encountered circumstances beyond your control which made it IMPOSSIBLE for you to meet your credit obligations.

What if your credit report shows that you defaulted on a particular account or were constantly LATE making payments? This of course can be most embarrassing, and usually leads to CREDIT DENIAL!

There are over 2,500 credit reporting agencies in the United States. These agencies sell information about you to BANKS, DEPARTMENT STORES, CREDIT CARD COMPANIES, LOAN COMPANIES, etc.

These credit bureaus keep on file information concerning you and your credit, but they do not make any final judgements as to your credit worthiness. The decision is up to the lender which you have dealt with to decide and report to the credit bureau.

When you receive a copy of your credit profile, you may find some of the following information in your report. Your occupation, place of employment, income status, residence record, marital history, court and arrest records, and most important, details on payments of your past and present bills and loans.

You have the ABSOLUTE RIGHT to know what is in your consumer credit report!

Because it is YOUR personal credit file, you should want to know what information the credit bureau is giving out concerning your good name and your credit!

Most people have thought, and still think, that if they have an unfavorable credit report or history that there is NO WAY to change it, and if they want to obtain NEW CREDIT that it’s impossible! DON’T BELIEVE IT! You can change your credit report for the better.

You can change and correct any and all OUTDATED, or INCORRECT INFORMATION that YOU choose!

Remember, it’s up to you! No one will do it for you!

The first step in correcting information on your report is to obtain a copy of your personal credit profile.

D. HOW TO OBTAIN A COPY OF YOUR PERSONAL CREDIT REPORT

You have already learned how this credit information has been gathered, rated and placed on file for credit reporting.

You can obtain a copy of this report just like a regular consumer would after all, it’s your report.

There are many different credit reporting agencies in business today, and there is one in every community.

First, this discussion will be limited for simplification, to one of the largest NATIONAL companies, TRW, INC. Second, the discussion will include limited information concerning contacting the LOCAL credit reporting agency in YOUR area.

To evaluate your personal credit profile, you must obtain a copy of it.

You may obtain a copy of your personal credit report by writing to:

TRW, INC., Post Office Box 271, Parsippany, New Jersey 07054.

Include the following inforrnation with your request:

1. Full Name
2. If married, include spouse’s name
3. Your Social Security Number
4. Your present address/previous addresses within the past 5 years
5. Your date of birth
6. A check for $10 plus your SIGNATURE on the letter.

You may wish to call your LOCAL credit bureau as well.

Look in your local yellow pages under Credit Reporting Agencies.

Call up to find out mailing addresses and fees to obtain your report.

By the way, if you have been refused credit within the past 30 days and one of the reasons for the rejection was an “unfavorable” credit report, you have certain rights under the law.

You first have the right to know which credit reporting agency was used to obtain the report.

You also have the right to CONTACT the agency and find out exactly what criteria on your report has caused the rejection.

You also have the right to obtain this information FREE OF CHARGE if you have been denied credit WITHlN THE PAST 30 DAYS!

Because with almost every important financial move that you make a credit report is involved, it is very important that you be concerned with what your credit report says regarding YOU AND YOUR CREDIT!

E. HOW TO CORRECT ERRORS IN YOUR PERSONAL REPORT

After you have received your personal reports, determine the status of your credit file. You should attempt to remove ALL unfavorable information using the methods outlined herein.

Not all of your credit history is contained in either of the two firm’s files.

Some information may be duplicated, or not included in the other file.

Your name and Social Security number are used for identification. Current and previous addresses, spouse’s name, and date of birth are used for further identification.

The credit information includes the merchants names, the subscriber number, credit account number, date opened, date closed, highest credit limit, highest amount of credit used, and repayment history.

The last item is encoded into numbers, with a series of ones indicating perfect repayment.

After you have received your personal reports, determine the status of your credit file. You should attempt to remove ALL unfavorable information using the methods outlined herein.

The following descriptions are used to indicate payment history:

• Current Account
  Account open or closed in GOOD STANDING

• Inquiry
  Your credit information was requested by this firm or store

• Closed Account
  Credit account closed

• Paid Account
  Closed account or zero balance

• Credit Account Reinstated
  Previously closed account NOW AVAILABLE FOR USE

• Judgment
  Lawsuit against you… and NOT PAID

• Charge-Off
  Credit amount can not be collected

• Repossession
  Charged item returned to merchant

• Foreclosure
  Collateral sold to collect defaulted mortgage

• Collection Account
  Credit account assigned to collection agency.

When you receive your report examine it VERY CAREFULLY.

Make certain that all information is current and accurate.

If you find any error (for example, a loan that you have PAID OFF is still listed as outstanding), you can take immediate action to correct the error.

You must write out EXACTLY what the mistake is, and explain the way that the information SHOULD be listed.

For example, “Loan XYZ is NOT outstanding. It was paid in full on 10/31/8l.” Send photocopies along with all pertinent information to substantiate your claim.

If you receive a computer printout of your credit file, there should be a space (Usually on the right-hand side of the report) in which you may PROTEST any item in your report that you feel is INCORRECT.

After you have done this, make a photocopy, sending one copy back to the bureau by “CERTIFIED MAIL.”

When the credit bureau receives your report and the information in question, they are required to investigate and ADVISE YOU of the results of their investigation. There is NO CHARGE for this investigation! YOU HAVE CREDIT RIGHTS! Due to the Fair Credit Reporting Act passed in 1971!

Anytime that you are denied credit, you now have the right to know why you were turned down!

If, for instance, you are turned down for a charge account at a store, you will receive a statement from the store stating that you were denied credit and their reason for the denial.

If their reason has anything to do with the fact that the store used a credit reporting agency, they must provide you with the name and address of the agency that supplied them with the report.

If this should happen to you, you should make an appointment within 30 days to visit the credit agency, so that you can review your report and find out what information in it is causing you to be DENIED CREDIT.

I suggest that you always VISIT the credit bureau.

Men should always wear a tie and jacket, and women should dress conservatively as well. It is very important to look professional and businesslike. It is also good to bring a friend along so that they can be witness whatever is said.

Do not let the representative of the credit bureau confuse, or upset you in any way. If there is ANYTHING that you do not understand, ask to have it explained again.

If there is any information in that report that is not true, or if you want to dispute any information on it, don’t be afraid to do so.

If the agency is wrong on any item on your credit report or file, DEMAND a correction. By law, the company MUST investigate… many bureaus will even try to make the correction “on the spot?!”

If for some reason you cannot PROVE that the item is in error or if you are having a disagreement with a certain creditor, you have the RIGHT to tell your side of the story in 100 words or less!

This will be ADDED to your report. Often, creditors who see that you have taken the time and effort to dispute an item in your credit file will NOT include it in credit worthiness. This can be VERY HELPFUL to you.

Many bureau representatives will even help you word your statement. Be sure to use this rule to your ADVANTAGE!

After making any corrections on your report, you have the RIGHT to DEMAND that the credit bureau send corrected copies of your report to ALL CREDITORS who have received the incorrect reports for the LAST 6 MONTHS !

PLEASE NOTE:

The credit bureaus WILL NOT do this automatically! – ONLY WHEN ASKED! – So make sure it gets done PRONTO!

If, when looking over your report, you notice that it is missing a few POSITIVE items that you recall, you may want to invest some money to upgrade your report.

Some credit bureaus will call creditors you name as FAVORABLE to you.

If the information that you give turns out to be TRUE, the item will be ADDED to your report. There are small fees of $2 to $5 per item, but this small fee could be well worth it to you.

F. HOW TO ERASE “BAD CREDIT” FROM YOUR CREDIT REPORT

Past credit experience which shows delinquent payments, lawsuits, collection and bankruptcy is most definitely UNFAVORABLE on your credit report.

Even with several other open accounts in good standing, the unfavorable information can be a cause of credit DENIAL when applying for new credit.

Incorrect and unverifiable information can be removed legally with the assistance of the credit reporting agency on whose files the unfavorable information appears.

To do this you must contact the respective agency and tell them that you wish to dispute the particular information that you feel is injurious to your credit history.

Legally, they must write for confirmation of the information to the source that is reporting it.

If NO CONFIRMATION is received by the agency within 14 days… the information in question MUST BE DELETED from your file! and an updated credit report will be mailed to you for verification!

Utilizing this method will eliminate most of the unfavorable information on your credit file, particularly that which is more than one year old, or if the disputed amount is under $500.

Any remaining information after the first attempt can usually be removed by subsequent attempts, at one month intervals.

Remember, keep on trying over and over again – PERSISTENCE DOES PAY OFF!

If there is any unfavorable information remaining on your credit file, you should add a statement to your file that DISPUTES this information.

Remember, the credit agencies MUST add such a statement, PROVIDING YOU REQUEST IT!

If possible, you may resolve the problem with the creditor in question. If so, have the creditor contact the credit agency FOR YOU.

G. HOW TO MARKET THIS REPORT

This material has been provided to you in a form that makes copying it very easy and inexpensive.

For under $1 you can go to your local COPY-SHOP and print copies AS ORDERS COME IN! You need not invest in inventory UNTIL you make CASH SALES!

Very simply, here is what to do. Place an ad in your local paper under the category of MONEY & CREDIT or under any other appropriate category.

The ad should state:

REPAIR YOUR CREDIT RATING!… Plus fill your bank account with CASH! For FREE DETAILS, write or call…

Either place your address or phone number as you desire!

Check out the supermarket tabloids as well as the popular Opportunity Publications.

REMEMBER, always offer FREE DETAILS!

DO NOT ask for a self-addressed stamped envelope, or ANYTHING also because this will DRASTICALLY lower your response rate.

You may also wish to place display ads. Use the same wording as in your classifieds. Most publications will typeset your display ad FREE of charge!

When you receive inquires, simply send them the enclosed BROCHURE/SALES LETTER with your name and address on top!

Just bring the enclosed camera-ready brochure to your local printer and have him add your name at the top.

You may wish to include a short sales letter thanking your prospect for his/her inquiry and perhaps include a return envelope, or a separate order coupon for an even greater response!

I charge $29 for the report and reprint rights! Imagine the profit potential!

Why not get started RIGHT NOW!

People are literally dying to get their hands on this information.

You will be providing a very NECESSARY and much sought after service by marketing this IN-DEMAND report!

H. SALES CIRCULAR

Place your Name & Address Here!

HOW ANYONE CAN ERASE BAD CREDIT AND IMPROVE THEIR CREDIT RATING! GUARANTEED!

What do those companies do when they claim that for a fee of $400 to over $1,000 that they can improve your credit rating by PERMANENTLY REMOVING such things as BANKRUPTCIES, TAX LIENS, LATE PAYMENTS, or even JUDGMENTS from your Consumer Credit Report? (i.e. TRW)

Basically, all they are doing is applying some NEW, “LITTLE KNOWN’ Federal Consumer Protection Laws!

ANYONE knowing these few simple “secrets” can easily accomplish the EXACT SAME THING thernselves! ABSOLUTELY FREE!

I. NOW MY REPORT IS ALL YOU NEED!

Now you no longer have to pay up to $400 OR MORE for this service!

In my report I expose these secrets and explain step-by-step how ANYONE can drastically improve their credit rating THEMSELVES!

1. NO-RISK, MONEY-BACK GUARANTEE!

Purchase my report.

Follow the simple, step-by-step instructions.

Take up to ONE FULL YEAR!… If after 12 months you have not significantly improved your credit rating, simply return everything to me and I’ll send you a FULL REFUND! No questions asked!…

You can order today, with ABSOLUTELY NO RISK!

2. CREDIT REPAIR IS BIG BUSINESS!

Today credit is not a luxury but a NECESSITY!…

Every day THOUSANDS upon THOUSANDS of Americans are REJECTED for credit!…

For a LIMITED TIME ONLY purchase of my report will include REPRINT RIGHTS!…

You will be able to reprint (copy) my report at your local copy-shop and sell it to others who are also looking to improve their credit rating!…

You can earn THOUSANDS of dollars in your spare time by marketing this VITAL INFORMATION! Demand is at an ALL TIME HIGH!

3. PROVEN ADS!

Along with a certificate of reprint rights, included with your report are sample classified as well as display ads!

4. All PROVEN WINNERS!

You can earn AMAZING PROFITS simply by running an inexpensive classified ad in your local paper!

You will receive COMPLETE, STEP-BY-STEP instructions for marketing this COMPREHENSIVE REPORT!

5. DON’T MISS OUT! ACT TODAY!

To receive a copy of my report along with reprint rights, marketing instructions, sample ads, and PROVEN PROMOTIONAL MATERIALS, simply PRINT your name and address on a sheet of paper, along with the words ERASE BAD CREDIT.

Mail that to me at the address above, along with ONLY $29 in cash, check, or money-order, and I’ll RUSH your report to you via FIRST CLASS MAIL! Don’t delay!

Do it RIGHT NOW!

Copyright 1988 by William J. Savran

Purchase of the complete 30 mini-report “Good Ideas” Program for $10.00 includes full reproductions rights for the copyrighted Program and Sales Circular.

Notice :
Reproduction rights are NOT included if this program is sold for less than $10.00.

WARNING :
Seller must provide Buyer with clear, sharp, legible copy of the Complete program and sales Circular. If Seller does not furnish camera-ready art that will reproduce clearly, Buyer is entitled to an immediate Full Refund! No exceptions! Camera-ready ads & 3×6 circular for the “Good Ideas” program available to all dealers for a long(#10) self-addressed stamped envelope and $1.00. Send order to “Good Ideas” ads, Dept, R30, Box 6466, San Francisco, Ca 94101.

The “Good Ideas” program was accurate and up-to-date at time of publication.

Publisher is not responsible for any address changes or changes in company policy. Sold as news and information only. Copyright 1985, Fun Mates Press, All rights reserved. (Tampering with, or deletion of this copyright indicia will be considered copyright fraud, and revokes all reprint rights).

Notice to All Mail Order Dealers & Sellers of this Program All materials contained in this program, as well as the circular promoting this program, have been registered with the U.S. Copyright Office, Washington, DC. Reproduction of this program or corresponding sales circular, in whole or in part, by any method or in any language, prohibited without permission.

Purchase of the entire program authorizes full reproduction rights to the complete program plus sales circular.

The copyright indicia (“copyright (year), Fun Mates Press” that appears on this program and corresponding sales circular, may not be deleted or tampered with in any manner during the reproduction process.

To delete or tamper with this copyright registration information will be considered “copyright fraud”.

The complete program must be reproduced “as is” with no changes or alterations permitted. The corresponding sales circular may not be changed in any manner, with the exception of the insertion of the mail order dealer’s name and address in the coupon. Failure to comply with the above will be cause for immediate withdrawal of all reproduction rights and prosecution under the U.S. Copyright Law and International Copyright Act.

A. Where to get Free “Income Opportunity” Magazines

The following publishers give sample copies, and sometimes sample subscriptions, which contain a large number of articles and advertisements on second income opportunities.

1. Income Opportunities, Davis Publications, Inc., 380 Lexington Ave., New York, Ny 10017.

2. Selling Direct, Communication Channels, Inc., 6255 Barfield Road, Atlanta, Ga 30328.

3. Opportunities Magazine, 6 N. Michigan Avenue – Suite 1405, Chicago, Il 60602.

4. Money Making Opportunities, Success Publishing International, 11071 Ventura Blvd., Studio City, Ca 91604.

B. How to Earn Money at Home in your Spare Time

For a comprehensive list of some of the best ways to earn money at home, read the “Home Income Guide”. For information on how to get the latest edition, send a self-addressed stamped envelope to: Home Incomes – Dept. HIGR-30R, Box 6466, San Francisco, Ca 94101.

Also, check the ads in some of the “Income Opportunity” publications. For a free sample copy of one of the best, write to: OPPORTUNITY Magazines, 6 N Michigan Ave. – Ste. 1405, Chicago, Il 60602.

C. How to Turn Junk, Trash & Discards into Cash

Some Americans have finally come to the realization that we cannot continue being as wasteful now as we have been in the past. As our resources dwindle, many items are now being recycled. This can mean extra money for you!

As forests vanish (America’s “paper habit” destroys over 2,000,000 trees a day!), there is a growing need to recycle paper products. You can save and sell old newspapers, magazines, corrugated cardboard, computer paper, etc.

Glass bottles and metals are also being reused. Industry needs aluminum (cans, TV dinner trays, foil etc.), lead, copper, brass, iron, steel, stainless steel, bi-metal cans, insulated electric wire, etc., etc.

For the simplest way to dispose of these materials, look in your yellow pages under the following categories: “Recycling Centers”, “Junk Dealers”, “Scrap Metals” and Waste Paper”.

Unwanted clothing and household items and other discards can be sold at garage sales, neighborhood yard sales, flea markets, church benefits, etc. Or, you can donate these items to local charities (see “Thrift Shops” in your yellow pages), and then declare them on your income tax as a ” tax deductible donation”, Don’t throw things into the garbage can. Somebody can probably use them.

D. Where to get over a Dozen Free Things for Kids

Many companies offer wonderful free things that children love. Write for all ar as many as you wish to receive

1. Free books on space
   Take your pick: “Space Shuttle Facts”, “What About U.F.O’s”, “Lifestyle of Stars”, “America’s Spaceport”, “NASA Facts & Briefs”, Exploring Inner Planets”, “All About the Moon”, “Apollo Landing Sites” or “Space Launch Vehicles”. Free from: Public Affairs Office, John F. Kennedy Space Center, NASA Cape Canaveral, Fl 32899. They’re all free!

2. Free coloring book
   “Energy Activities With Energy Ant”, Write to: U.S. Dept of Energy, Technical Information Center, P. O. Box 62, Oak Ridge, Tn 37830.

3. Free Booklet
   “Let’s Collect Shells and Rocks”, from: Shell Oil Company, Public Affairs Dept., Room 1535, P. O. Box 3463, Houston, Tx 77001.

4. Free! “Wildlife Notes”
   from: National Wildlife Federation, 1412 – 16th St. N.W., Washington, DC 20036.

5. Free Book! “George Washington”,
   from:Washington National Insurance Co., Evanston, Il 60201

6. Free coloring book! “Tuffy Talks About Medicine
   from Aetna Special Services Librarian, 151 Farmington Ave., Hartford, Ct 06156.

7. Free “Smokey the Bear” fire ranger kit
   “Smokey’s Kit, Smokey Bear Headquarters, Washington, DC 20252.

8. Free book! “Steps to the Moon”
   from: U.S. Geological Survey, Branch of Distribution, 1200 South Eads St., Arlington, Va 22202.

9. Free book! “The Story of the Helicopter"
   from: Sikorsky Aircraft, Division of United Aircraft Corp., Stratford, Ct 06602.

10. Free Booklet! “Introducing your Children to Wildlife”
    from: Defenders of Wildlife, P.O. Box 3800,Washington, DC 20007.

11. Free coloring book, specify if you want it in English or Spanish
    from: Sidney Sheep Coloring Book, Wool Bureau, 200 Clayton St., Denver, Co 80206.

12. Free coloring book! “The ABC’s of Good Oral Health"
    from American Dental Assn.,211 E.Chicago Ave., Chicago, Il 60611.

13. Free 21″x 28″ Poster: “It’s Elementary, My Dear Watson"
    from Sherlock Poster, National Pork Council, Box 10370, Des Moines, Ia 50306.

14. Free “Iron-Ons”! 8″x 7″
    Heinz Ketchup iron-on, Heinz Ketchup, P.O. Box 28, Pittsburg, Pa 15230.

Also, 10 super animal iron-ons measuring about 5″x 6″ each. Send .75 cents for postage & handling, to: Dog’s World, 498 New Rochelle Road, Bronxville, Ny 10708.

E. How to Get Free Legal Information

In some instances, free legal advice is available from local, state and federal agencies. This is especially true if you are unable to pay for legal assistance.

For legal help, look in your telephone directory white pages under “Neighborhood Legal Assistance Foundation” or “(Name of your community) Neighborhood Legal Assistance Foundation” or “Legal Assistance Foundation”.

You might also look under “Legal Aid Society”. Some communities also have an organization for senior citizens, listed as “Legal Assistance to the Elderly”.

If any of these offices are unable to help you, they should be able to refer you to other local, state or national organizations that can provide advice or help.

F. How to Receive Hundreds of Popular New Books Free

You can receive hundreds, even thousands of new books, free each year by becoming a “book reviewer”.

All you have to do is offer to write a column for your local newspaper for free. After a couple of your book review columns are published, send tear sheets to major publishers and ask them to add you to their reviewer’s list for mailings of new books throughout the year.

While you get no money for writing the column, the value of the books you will receive free each year can be well worth your time.

G. How to lose weight – and Keep it Off

The U.S. government says that 2 out of 3 Americans would like to lose weight. Fad diets are ineffective because they do not go to the heart of the overweight problem. And those that do lose weight with a fad diet, almost always gain it back again – and more!

The formula for losing weight is quite simple: To lose weight you have to use more calories than your present diet provides.

Those that work hard, such as laborers, can eat more calories of food without gaining weight. But, those that are less active in their job and daily activities, must learn to consume less calories.

To lose weight – and keep it off – you should have a guide that shows the calories of all foods. One of the best is “The Official Calorie & Carbohydrate Counter” – No. 345. To get a copy. send $1.00 to : Globe Mini Mags div., Globe Communications, P. O. Box 702, Rouses Point, Ny 12979. It will prove to be a good investment, if you are really serious about losing weight.

Also read “World’s Easiest ‘No-Exercise’ Diet That Guarantees Results”. Send a long (#10) self-addressed stamped envelope and $2.00 to : Guaranteed Diet – Dept. ED-30R, Box 6466, San Francisco, Ca 94101.

Some excellent tips for losing weight and keeping it off are: Eat a balanced diet. Don’t skip meals. Eat slowly and allow only 20 minutes for each meal. Chew each mouthful 20 times. Hot foods such as hot soup decreases appetite. Concentrate on meal’s smells, appearance, taste – not quantity. Avoid foods high in fats and sugar.

H. Where to Get Over a Dozen Free Things for Teenagers

Many firms have made available items that have been created especially for teenagers and students. Most items are free. Some require postage and/or handling cost. Write for as many as you wish.

1. Free book for pre-college students: “College Prospecting”, for long (#19) self-addressed stamped envelope, from: Office of Univ. Communications, U. of Rochester, Rochester, Ny 14627.

2. Free booklet on picture-taking for school newspapers, from: Eastman Kodak Company, 343 State Street, Rochester, Ny 14650. Ask for booklet #AT-13.

3. Free Guide: “Tips for Teen Age Drivers”, from: Firestone Tire and Rubber Co., Educational Services Bureau, Akron,Oh 44317.

4. Free booklet for baby-sitters (and would-be baby sitters), “The Super Sitter”, from: U.S. Consumer Product Safety Commission, Washington, DC 20207. Ask for booklet#052-011-00114-7.

5. Free information on youth hosteling for low-cost traveling, “Youth Hosteling, from: American Youth Hostels, National Campus, Delaplane, Va 22025.

6. Free “Student Travel Catalog” for bargain flight fares & accommodations, from: Ciee/Sofa Student Travel Services, 777 UN Plaza, New York, NY 10017.

7. Free 4 colorful 17″x 22″ bicycle safety posters, from: U.S. Consumer Product Safety Commission, Washington,DC 20207.

8. Free book “Summer Jobs in Federal Agencies”, from: U.S. Civil Service Commission, Washington, DC 20415.

9. Free guide for pre-college students (and their parents) “Facing Facts About Your College Career”, from: Prudential Insurance Co., Public Relations Dept., Pru Tower, 10th floor, 800 Boylston Street, Boston, Ma 02199.

10. Free booklet “Your Science Project”, from: Edmund Scientific Co., Barrington, NJ 08007.

11. Free sample astronomy magazine “Sky & Telescope, from: Sky Publishing corp., 49 Bay Street Road, Cambridge, Ma 02138.

12. Free sample of “Clearasil Deep Pore Cleanser”, from Clearasil Cleanser Sample Offer, Box 3200, Marshfield, Wi 54449.

13. Free science booklets. Send for list, from Swift & Company, Education Supply Dept., 41st and So Laflin Streets, Chicago, Il 60609.

14. Free booklet for teenagers, young adults in doing their own laundry “The Facts of Laundry”, from: Consumer Information Center, The Maytag Company, Newton, Ia 50208.

15. Free sample of “Fostex” for complexion problems, from: Westwood Pharmaceuticals, 468 Dewitt St., Buffalo,Ny 14213.

16. Free book on how to form a Jr. Conservation Club, from: National Wildlife Federation, 1412 16th Street, N.W., Washington, DC 20036. Include 20 cents for postage.

I. Where to get Free Tips on How to Establish Credit

If you want to establish credit, there is a free booklet that tells you what to do. It explains your rights too. For a free copy, write to: “Establishing Credit”, American Express Co., Consumer Dept., American Express Plaza, New York, NY 10004.

Notice: Certain firms have given permission to allow us to list their names as sources of additional materials. If any company fails to respond to your request, or has changed their offer, or moved to a new address, please advise so that we may make this change as soon as possible.

Send all comments to: Revise Editor, “Good Ideas” – Dept. 30R, P. O. Box 6466. San Francisco, Ca 94101. Your kind cooperation will be sincerely appreciated.

J. How To Get Free Merchandise & Services

You can obtain free furniture, appliances and a lot of other merchandise by starting up a “Freebie Newspaper”. This idea has been started by some and proven very successful in some cases.

All you have to do is contact local storeowners and merchants, who normally advertise in regular local newspapers, and offer to run their ads in exchange for free furniture and other merchandise.

True, you will be running their ad free, but chances are you would not have a paid ad for that space anyhow. If you promote this idea right, you could grow into a larger operation and go into PAID circulation before you know it. In the meantime, and for as long as you like, you can continue to receive FREE merchandise and services in exchange for advertising space.

K. Where To Get Over a Dozen Free “Auto-Care” Books

Shell Oil Company offers a number of valuable books to keep your car in tip-top shape. These “Answer Books” will help keep a car running for 100,000 miles, cut gas costs, etc.

These books are free for the asking from: Shell Answer Books, Shell Oil Company, P. O. Box 61609. Houston, Tx 77208. Write and ask for the ones you want.

1. The Early Warning Book

2. The Breakdown Book

3. The Gasoline Mileage Book

4. The Car Buying and Selling Book

5. The 100,000 Mile Book

6. The Rush Hour Book

7. New! The Driving Emergency Book

8. The Car Repair Shopping Book

9. The Car Crime Prevention Book

10. The Car Fix-Up Book

11. The Foul Weather Driving Book

12. The Unexpected Dangers Book

13. The Emergency Repair Book

14. The Driving Skills Book

L. How to Order Your Postage Stamps by Mai

You don’t have to stand in long lines at your Post Office when you need to buy stamps. You can order them by mail. Ask at your local Post Office for the free “order form/ envelope”.

You can also order stamps, postcards and other postal needs from the US Postal Service’s Washington DC office, at face value, of course. And if you are a stamp collector, you can also order older stamps that your local Post Office may no longer have in stock.

The U.S. Postal Service will send you a free illustrated catalog which is issued bi-monthly. To obtain your free copy, you can send a postcard request to: U.S,. Postal Service, Philatelic Sales Division, Washington, DC 20265-0097. Ask for a free copy of the “Philatelic Catalog”.

M. Where to Get Free Sewing/Needlework Books

An entire series of “Beginner’s Sewing Guides” is available, free for the asking. Request any or all of the following listed below, from: Belding-Lily Company, Consumer Information Dept., P. O. Box 88, Shelby, NC 28150.

1. Thread

2. Pockets

3. Stitches

4. Sleeves

5. Seams

6. Facings

7. Hems

8. Button Holes

9. Darts & Pleats

10. Zippers

N. Your Legal Rights When You Buy By Mail

Mail order companies are governed by rules of the Federal Trade Commission and various state laws. For example, if you order by mail:

1. The seller must ship your order within 30 days, unless the ad you responded to indicates that it will take longer.

2. If the seller cannot fill your order within 30 days, they must notify you, and tell you when your order will be shipped. But, if the new shipping date is more than 30 days past the original date promised, you can either accept the new shipping date or request a full refund.

3. The seller must provide you with a no-cost envelope or card, to make your request known. If the delay is less than 30 days, and you don’t reply, it means you accept.

4. The seller must refund all of your money within 7 working days if you decide to cancel your order.

If you require help, contact your local postmaster or inspector, or write to: Chief Postal Inspector, U.S. Postal Service, Room 3517, Washington, DC 20260-2100. (telephone:(202) 245-5445).

O. Where to Get Free Tickets to TV Shows

Free tickets are given to the general public for many top TV shows. To find out what’s available, write to:

1. American Broadcasting co., Guest Relations, 7 West 66th St., New York, Ny 10023 – or – 4151 Prospect Ave., Hollywood, Ca 90027.

2. National Broadcasting Co., Guest Relations, 30 Rockefeller Plaza, New York, Ny 10020 – or – 3000 W Alameda Ave., Burbank, Ca 91523.

3. Columbia Broadcasting Co., Guest Relations, 51 West 52nd Street, New York, Ny 10019 0 – or – 7800 Beverly Blvd., Los Angeles, Ca 90036.

P. Where to Get Free Road Maps

For any maps you need, write to : Texaco Travel Service, Box 1459, Houston, Tx 77001. Or, send 20 cents postage (for each map) to: Mobil Travel Service, 106 Hi-Lane Rd., Richmond, Ky 40475.

For a free kit of maps & folders on places to visit and things to do in our nation’s capitol, write to: U.S. Dept. of the Interior, National Park Service, Visitors Information Center, Washington, DC 20242.

For information on free touring service in North America, including maps, write to: Exxon Touring Service, P.O. Box 307, Florham Park, NJ 07932.

For a free “tour kit” of maps, write to: Texaco Touring Center 135 East 42nd Street, New York, Ny 10017.

Q. Where to Get Dozens of Free Helpful Publications

The U.S. Government Prints hundreds of consumer publications. Many are free. For a complete list, write for the free “Consumer Information Catalog”, Consumer Information Center, Pueblo, Co 81009.

R. How to Get Free Subscriptions to Magazines

There are a large number of “trade” magazines, journals, newsletters and newspapers, which are mailed absolutely free to interested firms and individuals who merely ask for them.

These are not, of course, the popular magazines you find at your local newsstand, but they do offer much valuable reading – and it’s free! To locate the names & addresses of magazines which offer free subscriptions, simply go to your public library and ask for a copy of “Standard Rate & Data”.

This book lists all trade & specialty publications. It will also advise which publications are “controlled circulation”, which normally indicates it is available free. All you have to do is write to the publications you want and ask them to place your name on the mailing list.

Try to indicate interest of some connection in your occupation, hobby or avocation with the subject matter of the magazine and they will send you copies for several years at a time.

S. How to Sell Used Postage Stamps Off your Mail

Don’t throw away the used postage stamps from your incoming mail. All used stamps are worth something, no matter how common they may appear to be.

These stamps can be saved and packaged and sold at garage sales, flea markets, neighborhood yard sales, church benefits, etc. You can also sell used stamps to stamp collectors and dealers.

For more information, send a self-addressed stamped envelop to: Used Stamps Bonanza – Dept. S5-30R, P. O. Box 6466, San Francisco, Ca 94101

Also, for buyers of used stamps, check the ads in some of the philatelic publications. This will give you an idea of what to charge for used stamps at the present time, also, collectors that are interested in trading stamps with you. for a sample copy, write to any or all of the following:

1. Ask for free copy: National Handicrafter, The Handicraft Press, Box 248, Grant Park, Il 60940.

2. Send 1st class stamp: The Stamper, 37 Poulton Drive NW, Ft Walton Beach, Fl 32548.

3. Send three 1st class stamps to: Stamps, H.L. Lindquist Publications, 153 Waverly Pl, New York, NY 10014.

4. Send $1.00 to: Stamp Collector, P.O. Box 10, Albany, Or 97321.

T. How to Turn Free Grocery “Store Coupons” Into Cash

Save all the “cents off” coupons that you can. These “store coupons” are as good as gold. If you know how to use them. And they’re free! Simply clip and save them from all of the newspapers and magazines that you read.

One of the easiest ways to use these coupons to best advantage is to trade them for other coupons, for products you want. As example, let us say that you have accumulated several dollars worth of coupons for dog food – but you don’t have a dog. Maybe a friend, neighbor or relative would be very happy to use those coupons when they buy dog food. Just trade them for grocery store items that you and your family want and use.

This type of “bartering” can work in other ways too. Let us say that you want a certain item, but don’t have the ready cash. Try to make a deal with the store owner. Maybe he will accept a quantity of store coupons in exchange for items you want.

The rate of exchange should be about 10 to 1 – $10.00 worth of store coupons towards $1.00 of the purchase price of the product or service you want. This type of exchange agreement can best be made with smaller stores. As example, we know a lady who does a lot of sewing and needlework.

She gets all of her supplies from a nearby sewing center, by saving and trading store coupons for her yarn, thread, needles, etc. Another lady we know, recently traded a handful of store coupons for a like-new toaster at a neighborhood garage sale.

You can also sell store coupons by mail for cash! For free details, send a self-addressed stamped envelope to: Store coupons – Dept. 30R, Box 6466, San Francisco, Ca 94101.

Many of the smaller mail order dealers will also be receptive to offers of exchanging their goods or services for grocery store coupons.

Study mail order magazines and try to “make a deal”! You have nothing to lose since the store coupons you have to trade are free!

U. Where to Get Free Tips on Fishing

If you like to go fishing, you will appreciate either or both of these two great freebies.

1. Free book, “Fisherman’s Guide”, for 25 cents postage/handling, Sheldon’s Inc., Antigo, Wi 54409.

2. Free book, “Fishing Tips”, from: Cisco Kid Tackle, 2630 NW First Ave., Boca Raton, Fl 33432.

V. Where Senior Citizens Can Get Free Facts & Information

Senior citizens can get a wealth of free information from the U.S. Government. For free books on many subjects, such as retirement, health, medical problems, nutrition, social security, insurance, etc., write for the free catalog, “Consumer Information Catalog”.

Then, order the free booklets and other publications that you would like to read. Order the free catalog first, from: Consumer Information Center, Pueblo, Co 81009.

Also write for the free booklet, “The Aging and the Community”. It’s free from: AFL-CIO Dept. of Community Services, 815 – 16th Street NW, Washington DC 20006.

Also get an informative book called “Your Retirement Money Guide”. It’s free of charge from: American Association of Retired Persons (AARP), 215 Long Beach Blvd., ——, Ca 90801.

Seniors can also join AARP for about $5.00 a year. This entitles members to a free newsletter that keeps retired people abreast of latest information affecting seniors, and also offers special savings on hotels, motels, travel, car rentals, mail order pharmacy service, and more.

For more information on how to join “AARP” write to the above address.

W. How to Copyright and Protect your Ideas

When you copyright your works, you are assured the world’s best protection. It is easier than most people think to copyright what you write, and you don’t need a high-salaried attorney to register your copyright. You can do it yourself.

For free information on how to copyright what you have created, get details from: Register of Copyrights, Library of Congress, Washington, DC 20559. Ask for “General Information on Copyright” and “Copyright Law of the United States of America”.

Also ask for several “Form TX” applications, if you plan to apply for a copyright in the near future.

For a revealing report on what happens when someone abuses your copyrighted works, read “How to Protect Your Copyright Rights”.

This report is FREE – and you can reprint it too – to give away as a freebie or sell! For your copy, just send a long (#10) self-addressed stamped envelope to: Copyright Rights – Dept. 30R, Box 6466, San Francisco, Ca 94101.

X. Where to Get Free Consumer Complaint Advice

If you want to make a legitimate consumer complaint, first look in the white pages of your phone directory under “Consumer Complaint & Protection Coordinators”.

Or stop at your local post office (Philatelic Department of larger post offices in major cities) and pick up a free copy of “Consumer’s Resource Handbook”. If your post office does not have a copy available, write and request a free copy from: Consumer’s Resource Handbook, Consumer Information Center, Pueblo, Co 81009.

Y. Where to Get Hundreds of Free Recipes

If you are interested in nutrition, health and diet, order these free recipe books. For each of the firms listed below, write first for a free list of their free recipe booklets.

1. Consumer Services Dept., Castle and Cooke Foods, 50 California Street, San Francisco, Ca 94111.

2. Dept. of Home Economic Services, Kellogg Company, Battle Creek, Mi 49016.

3. Ann Pillsbury Kitchens, The Pillsbury Co., Minneapolis, Mn 55402.

4. Best Foods, Dept.LL, Box 307, Coventry, Ct 06238.

Z. How to Get Free Long Distance, Business Phone Calls

Many businesses have phone numbers preceded by the code name “Zenith” or “Enterprise”. These are toll-free numbers. Before calling, check your phone book to see if the business you want to call has such a number.

Other companies have “WATS”. This is a service that offers a toll-free number. These numbers are preceded by the area code “800″. To get this special toll-free number for the business you want, call the toll-free information number, 800-555-1212.

AA. Where to Get Free Tips on How to Quit Smoking

For free information on how to stop smoking and improve your health, write to:

1. American Cancer society, Distribution Dept., 4 W. 35th St., New York, Ny 10001. Ask for their free guide: “How to Give Up Cigarettes”.

2. For a big, colorful anti-smoking poster with the slogan “Don’t Get Hooked”, write to: Office on Smoking & Health, Room I-58 Park Bldg., 5600 fishers Lane, Rockville, Md 20857. It’s free!

3. Another free booklet, “If you Want to Give Up Cigarettes”, is available free of charge from: Consumer Information Center, Pueblo, Co 81009.

AB. Where to get Free Ideas on Starting your Own Business

If you are thinking of starting your own business, it would be wise for you to send for both of these free items:

1. Free booklet “Home Businesses”, from U.S. Small Business Administration, 1441 “L” Street NW, Washington, DC 20146.

2. Free checklist for going into business – Small Marketers Aid #71,from:Small Business Administration,Washington, DC 20425.

AC. Where to Get Free Information on Stamp Collecting

Stamp Collecting is one of the world’s most popular hobbies. It’s an especially good pastime for kids. If you want to learn all about stamp collecting, here are some great books for you – all free!

1. Free booklet on U.S. stamps: U.S. Postal Service, Consumer Affairs Dept., Washington, DC 20206.

2. Free Booklet: “Stamp Collecting For the Fun of it”, from: U.S. Postal Service Director of Advertising, 475 L’Enfant Plaza West S.W., Washington, DC 20260.

3. Free “Stamp Collecting Book”, from P. O. Box 327, Bethlehem, NH 03574.

4. Free book “How to Collect Postage Stamps”, from Littleton Stamp Co., Littleton, NH 03561.

AD. How to Earn Extra Money Clipping Newspaper Articles

There are large companies whose sole business is finding and clipping articles from newspapers and magazines for individuals, companies, organizations, etc. You can earn extra money doing this too, but on a smaller scale.

You simply look through your local newspapers and clip all that you think will have appeal to the people mentioned in the article. This includes job promotions, weddings, social events, birth announcements, local school events, etc. If the address does not appear in the article, look it up in the phone book.

Then write or phone the people mentioned in the article and say that you can send them the article neatly framed or laminated in lifetime plastic for several dollars. Buy inexpensive picture frames from your local variety store, or look in the yellow pages under “picture Frames – Whsle & Mfrs.”

Or you may have the article laminated in transparent plastic locally, at small cost. To compute your retail price, add the cost of the frame or laminating price, plus your time.

If you keep your prices low enough, you may find people that will want more than one copy of each article.

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Banking
Student current accounts usually give you:

• easy access to your money;
• transaction free banking;
• ATM cards; and
• debit cards like Laser.

What you need when you open an account?

• identification, such as a driver’s licence or passport; and
• proof of address, such as a utility bill.

If you are an international student, you will also need a letter from your college stating:

• you are a student at your college;
• the name of your course;
• your address in your home country; and
• your address in Ireland.

Borrowing
If you need to borrow money there are a number of options available.

Personal loans
You can borrow an agreed amount of money over a certain time and commit to repaying the loan, with interest. The interest rate may be fixed or variable and differs from lender to lender. Remember there may be extra charges if you miss repayments.

If you fail to meet your regular repayments it will affect your credit record. This will make it more difficult for you to get a loan, credit card or mortgage in the future.

Overdrafts
With an overdraft, you can spend more money than you have in your account. Your bank will set an agreed limit and may charge you interest on the money you spend.

Credit cards
You can borrow money now and pay it back at a later date. Try to pay off your bill before the end of the interest-free period. Remember that every card has a different interest rate, interest-free period, and charges.

Budgeting
Start the year by making a budget, which is a plan of what you can afford to spend, based on how much money you have. You can start making your budget by following the steps below.

Add up the income you expect to get, such as:

• grant cheques;
• wages from a part-time job; and
• an allowance from your parents.

List your expenses, such as:

• rent; electricity;
• food; books;
• clothes; travel;
• socialising; savings.

Remember to include any other major expenses, such as:

• a deposit on your accommodation; or
• one month’s rent in advance.

When you know how much money you will have (your income), you can make a budget showing how much you can afford to spend on your expenses.

Dos and don’ts

Do

• Do compare the annual percentage rate (APR) on loans or credit cards to find the best deal.
• Do find out what fees and charges apply to your account and regularly check if other accounts offer better returns or cheaper facilities.
• Do try to pay off credit cards in full each month to avoid paying interest.
• Do get in touch with the lender, if you know you will miss any repayments, and work out a new repayment schedule.
• Do complain if you are not happy with the service you receive.

Don’t

• Don’t be rushed into making a quick decision or sign a document that you have not read. Ask for a clear explanation if you don’t understand anything.
• Don’t borrow more than you can afford.
• Don’t use your credit card to withdraw cash from an ATM or bank. There is usually a transaction charge and a high rate of interest.
• Don’t use credit cards as a source of long-term borrowing.
• Don’t go over your overdraft limit. The penalties may be costly.

Download the free pdf ebook version of this post here.

Source : www.itsyourmoney.ie