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Two Ways Of Earning Online Money

By: John

 

When it comes to producing an info-product, there are 2 types of methods to choose from. You can either be creative or innovative. Creative means, you look at the market and come up with a good solution. 

 

In effect, it is coming up with an info-product that will solve an existing need. Say for instance, you realize that people have a problem with writing articles, then you put up something like a rewriter software.

 

Or, if you realize that many people are trying to plan their joint venture's details, you can invent a joint venture profile software. Essentially, you'll be the first person to hit in the market. Make sense?

 

 

However if you want to minimize your risk of failing and earn cash fast, I'll opt to be an innovator. Observe the existing products available to fulfill the demand of a market. Look how good the sales volume is. Then, I'll be an innovator to provide better solution or tap on the existing opportunity.

 

Not sure what this means?

 

Let me explain ...

 

You may have realized that there are a lot of  sales letter generator in the market, this is because of the innovative marketers that are creating them. PayDotCom, a relatively new company, is an added example of an innovator market that gives the same service as Clickbank.com 

 

It was launched successfully after the creative company called Clickbank.com. Clickbank.com was the first site that provides credit card processing service with built-in affiliate tracking program for online marketers to use. Currently, there are new innovative marketers that have produced an affiliate tracking tool that can be included with other credit card processors like Paypal.com, 2checkout, authorize.net, etc.

 

Innovative marketing is not just about duplicating what is successful and trying to be superior, bigger or cheaper. That's a very narrow observation on how to make money which will eventually fail. {Just|Simply] by adding these 2 added ingredients in it, you'll change the whole profit model:

 

1. Looking for an angle 

 

Finding an angle means positioning yourself unique from those who made it first. For example, Clickbank.com is a success. However other affiliate tracking tools that did not have a built-in credit card processor were very successful as well by tying up with third party credit card company. PayDotCom is also another good example of this for they solve the core problem.

 

2. Complimenting with the pioneer

 

Offer an info-product that can ride on the existing successful market. For discussion purposes, let's take for instance Clickbank.com. There are a lot of new tools created to improve the ease of using Clickbank. 

 

 

Examples are: Software to handle your Clickbank.com affiliates; Software to extract your Clickbank sales report into a Microsoft Excel file; Software to make Clickbank.com search engine tool that is integrated with Clickbank ID;Video tutorials on how to setup Clickbank.com account; and so much more.

 

See what's happening on the internet.Make a decision if you want to become a creative or innovative marketer. Then, TAKE ACTION!

About the Author

John Siuda is the owner of the profit pulling site selling info-products

To find out more about how to make money online and to get limited time free video training, visit

internet marketing strategy

(ArticlesBase SC #2131175)

Article Source: http://www.articlesbase.com/ - Two Ways Of Earning Online Money

Tuesday, June 9, 2009

All participants have access to the same pricess.....

Unlike a stock market, where all participants have access to the same prices, the foreign exchange market is divided into levels of access. At the top is the inter-bank market, which is made up of the largest investment banking firms. Within the inter-bank market, spreads, which are the difference between the bid and ask prices, are razor sharp and usually unavailable, and not known to players outside the inner circle. The difference between the bid and ask prices widens (from 0-1 pip to 1-2 pips for some currencies such as the EUR). This is due to volume. If a trader can guarantee large numbers of transactions for large amounts, they can demand a smaller difference between the bid and ask price, which is referred to as a better spread. The levels of access that make up the foreign exchange market are determined by the size of the “line” (the amount of money with which they are trading). The top-tier inter-bank market accounts for 53% of all transactions. After that there are usually smaller investment banks, followed by large multi-national corporations (which need to hedge risk and pay employees in different countries), large hedge funds, and even some of the retail FX-metal market makers. According to Galati and Melvin, “Pension funds, insurance companies, mutual funds, and other institutional investors have played an increasingly important role in financial markets in general, and in FX markets in particular, since the early 2000s.” (2004) In addition, he notes, “Hedge funds have grown markedly over the 2001–2004 period in terms of both number and overall size” Central banks also participate in the foreign exchange market to align currencies to their economic needs.

Monday, June 8, 2009

The challenges of Micro finance

Traditionally, banks have not provided financial services to clients with little or no cash income. Banks must incur substantial costs to manage a client account, regardless of how small the sums of money involved. For example, the total revenue from delivering one hundred loans worth $1,000 each will not differ greatly from the revenue that results from delivering one loan of $100,000. But the fixed cost of processing loans—of any size—is considerable: assessment of potential borrowers, their repayment prospects and security; administration of outstanding loans, collecting from delinquent borrowers and so on. There is a break-even point in providing loans or deposits below which banks lose money on each transaction they make. Poor people usually fall below it.
In addition, most poor people have few assets that can be secured by a bank as collateral. As documented extensively by Hernando de Soto and others, even if they happen to own land in the developing world, they may not have effective title to it.[4] This means that the bank will have little recourse against defaulting borrowers.
Seen from a broader perspective, it has long been accepted that the development of a healthy national financial system is an important goal and catalyst for the broader goal of national economic development (see for example Alexander Gerschenkron, Paul Rosenstein-Rodan, Joseph Schumpeter, Anne Krueger etc.). However, the efforts of national planners and experts to develop financial services for their nations' majorities have often failed since World War II, for reasons summarized well by Adams, Graham & Von Pischke in their classic analysis 'Undermining Rural Development with Cheap Credit'.[5]
Because of these difficulties, when poor people borrow they often rely on relatives or a local moneylender, whose interest rates can be very high. An analysis of 28 studies of informal moneylending rates in fourteen countries in Asia, Latin America and Africa concluded that 76% of moneylender rates exceed 10% per month, including 22% that exceed 100% per month. Moneylenders usually charge higher rates to poorer borrowers than to less poor ones.[6] While moneylenders are often demonized and accused of usury, their services are convenient and fast, and they can be very flexible when borrowers run into problems. Hopes of quickly putting them out of business have proven unrealistic, even in places where microfinance institutions are very active.[citation needed]
Over the past centuries practical visionaries from the Franciscan monks who founded the community-oriented pawnshops of the fifteenth century, to the founders of the European credit union movement in the nineteenth century (such as Friedrich Wilhelm Raiffeisen) and the founders of the microcredit movement in the 1970s (such as Muhammad Yunus) have tested practices and built institutions designed to bring the kinds of livelihood opportunities and risk management tools that financial services provide to the doorsteps of poor people.[7] While the success of Grameen Bank (which now serves over seven million poor Bangladeshi women) has inspired the world, it has proved difficult to replicate this success in practice. In nations with lower population densities, meeting the operating costs of a retail branch by serving nearby customers has proven considerably more challenging.
Although much progress has been made, the problem has not been solved yet, and the overwhelming majority of people who earn less than $1 a day, especially in the rural areas, continue to have no practical access to formal sector finance. Microfinance has been growing rapidly with $25B currently at work in microfinance loans.[8] It is estimated that the industry needs $250 billion to get capital to all the poor people who need it.[8] The industry has been growing rapidly and there have been concerns that the rate of capital flowing into microfinance is a potential risk unless managed well

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