From Pennies to Dollars

 I have officially been blogging for 6 months now. I started this blog on May 30th, 2011. While money is not raining out of the sky as show in the picture above, money is starting to come in now.

I started with the smallest goal possible. I just wanted to earn 1 cent a month. After 6 months of writing I have found 2 ways to earn passive income. The first was by purchasing stocks that paid dividends. While, the second was joining the JSS Tripler program  Yesterday I received 11 in dividends form my stock purchase which was automatically re-invested.  This takes a lot of patience, but it is slow and steady. And, it works. I think it is a great way for one to grow income over time.


What I am most excited about is learning how to earn 2% a day or 60% a month on the money Invest the in JSS-Tripler (aka - JSS3) program. My biggest problem online was learning how recruit or effectively promote.  JSS3 gave me a peace of mind because I did not have to. If I am totally ineffective at promoting, I can still make passive income.  Today is the sixth day I have been in the JSS Tripler program. Yesterday I purchased 2 additional positions in JSS3. This raised my daily income $2.00 to $2.40.

Today, I transferred  more money to my account so I could buy additional positions by Friday of this week. If all goes well, My income should rise from $2.40 to at least $4.40 a day. That is $132 dollars a month. Not bad considering I started with a simple of goal or just earning 1 penny a month.

If you are interested in joining the JSS Tripler program for free to see if it is for you please click the banner below

Clicksense Paid Member Year 1

I have been a Paid Member of Click Sense for 1 year as of  Today. ClixSense was the 1st form of income I ever earned online. You simply go to the site and sign up for free. When you click on ads and view them you get paid.

As a Free member I made about 3 cent a day or about 1 dollar a month. While it was just pocket change. It was good start. The only way to increase earnings with Click sense is to upgrade and refer others.

I upgraded on November 29th, 2011. When you upgrade you get 100 ads to click as a bonus, and you earn an average of $2.34 cent per month. Below is a picture of my Clicksense pay history since I started. I have also added the Pay to Click history year to date.

Recently when my clicks equal $2.40 or more, I have been using the balance to send 1000 visitors to sites that I promote. I plan on using the site to promote other programs in the next year. Click Here to join or advertise.

Day 5 JSS-Tripler

Today is my fifth Day in this program called "JSS-Tripler". Today I was paid 2 dollars again. I have earned a total of 10 dollars so far. I took the 10 dollars I earned and added an additional 10 dollars to my JSS-Tripler account. When that transaction was completed I purchased 2 more positions in the company. I now own 12 positions. The transactions should show up by tomorrow and I post them at that time.

Tomorrow my daily payout should rise to $2.40. If all goes well, Then I should earn at least $76.80 buy December 31st, 2011. That is all for now. Have a great day.

Day 4 JSS-tripler

It's my 4th day in The JSS-Tripler Program. I invested 100 dollars in the program to buy 10 positions. So far I have been paid 2 dollars everyday. Tomorrow I will have the choice to take my 1st 10 dollars from my account or re-invest.

today I made a two charts in excel. The 1st shows my positions, daily payments, and total amount paid. The second shows the same but ads my investment to keep perspective. I get excited each day as I see my account go up, but I need to realize that it means nothing if I don't have my original investment back.

Below are the Pictures of  my positions, and my account activity for the last 4 days.

That's All for now have a great day.

When I originally started looking for ways to make money online, Blogging is a topic that often came up as a source of making money. One pitch line that stayed in my head was "Blogging to the Bank". With what will soon be my sixth month under my belt in blogging, I can not say I have blogged to the bank. But, I have been able to write about one of my passions which is learning how to build wealth and share those lessons with others.

The 1st stock I purchased this year was Micrsoft (Ticker Symbol: MSFT). I purchased 1 share which paid 16 cent per quarter or approximately 5 cent per month. Shortly after that the dividend was raised to 20 cent per quarter which increased the average income to 6 cent per month. I know that is not a lot of money but it is where I started. I would eventually like to own 100 shares of Microsoft and rent them out for a monthly income, through what is known as a covered call. According to my research, a monthly return of 3% to 6% a month can be earned. I have been practicing in a virtual account this year. I'll post results at the end of the year.

I will continue to buy dividend stocks and save money to build up a stock portfolio so I can use the covered call process. I am currently thinking about buying 100 share of Sprint (Ticker Symbol:S) because it is under 3 dollars a share. It could be a great stock to test my covered call theory out on.

Just Been Paid (JBP) has become my primary source of online income. It is currently paying me 2 dollars everyday or 60 dollars a month. This covers my internet connection expense. I believe that I can increase my income with JBP if I re-invest, the profits. By January of 2012, my goal will be to have a monthly income of at least 82 dollars. This would complete 14 of 20 targets I have set for myself.

Here are my current positions and what they have paid. I have also added my account movements or transactions.

Is Your Financial Picture This Ugly?

Today I sat down and I did a spread sheet on my Finances. My financial Picture is so Ugly, I didn't want to look at it. No one had to tell me that I was living on a Financial Red Line. What I need is a plan and the discipline to get myself out of the situation.
Each day I surf the Internet in hopes of finding a solution to fix my current financial situation. Right now I work just enough to survive and it surely is not living.

Below is a graph I made showing my current financial picture as of today. I have read every Robert Kiyosaki Book I can get my hands on and by doing so can tell you exactly how I should do it.

The problem is I am not getting it done. In order to change this around I need to start a business and invest. I need to take the profits and re-invest them so the money creates a compounding effect. I need to build a network or team of people who do the same.

While it is so easy to spout out what to do on an intellectual basis, actually doing it is entirely a different matter. I have started over 50 different programs or opportunities in the last two years, in hopes of finding something that I could effectively do where I could build wealth. This has only led to my spending more than I ever make. If you look at the picture above, you'll see that my student loan debt is out of control. I would need to make 600 dollar payments a month just to keep up interest alone. When I ask my family and friends what to do, their answer is always work harder. That is not the solution. Most of the people I know are hard working people, but they are still broke and in debt.

I must work smarter. I have to learn how to earn passive income. I like investing but it is extremely slow. One of my biggest barriers is learning how to sale. I have never liked convincing people.

It is my hope to learn how to market online, build a network, and invest. I will do a financial statement at least once a month, and use it as my report card to create self awareness, monitor progress and hopefully gain control of my finances.

While my current financial picture is ugly, I am glad I sat down and did the numbers today. I know a lot of people besides myself are struggling with debt. If focus can be maintained, I'm sure the solution to this problem will come.
Based on recent steps I took, I now have a passive income of 2 dollars a day or 60 dollars a month. If I could raise that to approximately 40 dollars a day, I would be financially secure. I believe 100 dollars a day would make me financially independent.

This is my second day in just been paid. I earned 2 dollars yesterday off of a 100 dollar. And, today I have earned an additional 2 dollars. While I have only been in just been paid for two days, I like that you are paid daily and can withdraw your money on daily basis to your Alert Pay account. Below is my account activity for the last two days. I will start charting it out tomorrow.

That's all for now. What are you doing to improve your Financial Picture?

Passive Income Up or Down - That is the Question?

I started this this Blog on May 30, 2011. My goal is build a passive income or positive cash flow 1000 dollars or greater, by learning applying and practicing the principles of wealth I found in the Rich Dad Poor Dad book series written by Robert Kiyosaki.

I am at a cross roads right now. If JBP/JSS Tripler is a success my passive income will rise from 11 dollars this month to $60.27 in December.

If it does not work out my passive income will drop from 11 dollars per month to $0.27.  This will almost be like starting over. I

My original plan was to use the compounding model of a penny. If it could actually be done 18 to 20 times the average person would financially free, with anything beyond that upgrading their lifestyle. Last month by increasing my cash flow to 11 dollars I hit the 11th out of 20 targets. If the JSS Tripler works then the 13 of 20 targets will be achieved. If not then I'll be knocked back between the 5th and 6th targets again.

Just Been Paid or Just Been Played?

I was talking to a person named Nathaniel on a forum the other day. He said he had a program that paid 2% per day or 60% per month for each 10 dollar position purchased.. That instantly caught my attention because I am currently making approximately 1.5% per month or 18% per year on my stock holdings with Amour Residential REIT(Ticker symbol:ARR).

He also said he did it without having to worry about all of the ups and downs of the stock market. Based on my recent experience with Binary Options, he had no idea how much what he was saying resonated with me considering that fiasco.

I knew that income investing through dividends paid on time an consistently. The problem is that the process is so slow. It took me 5 months just to build an income of 11 dollars per month. The problem is that when unexpected problems occur I end up having to sale my assets to deal with the current problem and I end up killing my long term income.

If I could get a higher rate of return then maybe I could correct that pattern of behavior by being able to deal with the short term problem and grow my long term income. With that in mind I purchased 10 positions with Just Been Paid (JBP-also known as JSS-Tripler) for 100 dollars.

By purchasing the positions an income of 2 dollars a day or 60 dollars a month should be created. I purchased those shares yesterday. I received 2 dollars in my account today. I like this program because you can withdraw the payments daily, or re-invest  the payments to compound your earning by purchasing more positions.

It took 5 months and 700 dollars to buy 100 shares of ARR, which created a monthly income $11 dollars per month. With JBP it appears that I now have a positive monthly cash flow of 60 dollars.

My fear is that the company will not be able to sustain the payments or that it will fold up and disappear along with the money I have invested. I have seen this happen several times with HYIP's and Cycler programs.

If I could create a positive monthly cash flow of just 1000 dollars a month, that would take away a lot of financial worry. With 1800 dollars per month, financial independence would be created. Anything above that would be a lifestyle upgrade.

When I started this blog my philosophy was "Test every thing and hold on to the good." I have been doing that and failed many times. So far dividend paying stocks are the only method I have found to be effective.

I hope Just Been Paid will pass being tested and prove to be another method I can hold onto rather than be discarded. While I know that one often has to fail before they succeed, the process can make you feel like the guy below.

Today stands as the 1st day of the test and it has passed. I earned 2 dollars as shown in the screen shots below.

1st Full Day with JBP

10 positions Purchased day 1.

Binary Options - the joy of victory and the Agony of Defeat

On Monday I learned about something called Binary Options. In an ad I saw someone say that you could earn over 70% returns in Binary Options. If you could pick the right direction of a stock within a given time period you would get a 70% plus return on your money.

In order open an account with a Binary Options Broker it would require a 200 dollars investment. I had 200 dollars and decided to give it a shot. It was easy to set up. On Tuesday November 22nd, 2011 I did my 1st Binary Options Trade with 100 dollars. I won. I made 78 dollars in less than an hour by picking the right direction. I was jacked out of my mind. It was a scary process though. I had picked the right direction by 45 cent.

I saw another Opportunity to make a trade a couple of hours later. I only had 5 minutes before the trade would close out. I pulled the trigger. This time I only risked 50 dollars. I won again! That was 117 dollar earned in less than an hour and 5 minutes. That's more than I make in an 8 hour shift at my job. I went to work that day feeling a little bit better than usual due to the win.

On Wednesday November 23rd, 2011 I was excited about making my next trade. Would I lose this trade? Or, Would I win? The Answer... Neither. It was a tie. A Tie? Yes, A tie. The trade ended exactly where I had opened my trade. No gain no loss.

I did my 4th Binary trade for 78 dollars. I took my 1st loss. I didn't want to back down in fear. I did a 200 dollar trade. As time ticked down the trade was on the edge. I was nervous as H.E. double Hockey Sticks... I had taken a BIG HIT.

I loss. My 317 dollar account was now down to 67 dollars. "Oh Crap!" That is two and a half days of work down the tube. That hurt, but I can win. I'm all in with 67 dollars. 5 minutes left again. The time ticks down. I have lost it all. That's terrible. I'm out the game. I was only able to last in the Binary options game for 6 trades before losing it all.

WTF was I thinking? I know better than that. I am supposed to be trading for cash flow, Not Gambling. I got drawn into the GRQ's (Get Rich Quick ) again. It took me 5 months just to build up a passive income of 11 dollars a month and I threw away 317 dollars in less that 10 minutes of trading.

I'm writing this Blog post to remember the pain and embarrassment of my own stupid greed. Maybe I'll learn from my mistake and do better next time.

Oh yeah, the Proof

EZTRADER trade results.

LOL... EZ Trader. Don't believe it. The only reason I am laughing now is that my only other alternative would be to cry.

Happy Thanksgiving

Good Morning Everyone. I just want to wish You a Happy Thanksgiving. I hope you are enjoying your time with your family and friends. Have a great day.

How to Create Our Own Job: Be Self-Reliant, Not President-Reliant

How to create our own job

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Click Here To Get Started

In the report above, I talked about ZNZ-1. The company provides a great way for United States and Canadian Residents to earn cash online from home.


For each person you  refer that completes a trial offer with ZNZ-1, a payment of 20 dollars is made to you. For some this process is simple. For others it is difficult.


To overcome the difficulty in referring, I simply split the profit with those who sign up with me.  ZNZ-1, usually pays within 24 hours. Once they send the 20 dollar payment, I take half and send it to the person who completed the trial offer.


This creates a Win-Win situation. The referrer gets paid,and, the person who is referred not only gets paid but also has the opportunity to get paid whenever they refer a new person.


Click Here to Earn Your 10 Dollars Today.


That's all for now. Make it a great day. Let's Eradicate poverty and Build Wealth, through Financial Education.

If you have any questions or comments please leave them in the comment box below.

Kiyosaki Criticism

Today I went to Wikipedia to do some research on Robert Kiyosaki.  I read his Bio and looked at all the books he has written on personal finance.  Before reading the information posted on him I believed he was the most important personal financial writer of our time.  Did this criticism change my mind? I’ll get to hat in a minute.

Here is the Criticism that was put forth. 

ABC ran a 20/20 segment on May 19, 2006 in which Kiyosaki was to advise three entrepreneurs on how to make money. They were given $1000 and 20 days to try and make the most money possible. One earned a return of 24%, the second earned a return of 54% and gave it all to charity, and the third lost 100% because she invested in machines that could not be delivered in 20 days. The contestants alleged that Kiyosaki never gave concrete advice. "All he [Kiyosaki] does is, I guess, is open your mind to the possibility. He doesn't tell you how to do it." Kiyosaki responded that failure is important to learning. At the end, 20/20 asks, "Does anyone really need 18 books to learn to fail?"^[1]

Did reading that information on Robert Kiyosaki, change my opinion of him? Absolutely... NOT. If anything it strengthened my resolve. I don't like making mistakes or failing. I have been writing this blog since May 30th, 2011, and I still have not monetized it. But each day that I write, and test different ventures I learn from my actions, and make corrections to do better next time.
In working to build wealth through financial education, I have come to understand that getting an academic or theoretical understanding of making money and not acting on it is just as bad as never taking action at all.


What do you think? Please leave your comments below in the comment box.

How Do You Set Up Your Blog To Build Your List?

I have been doing research on how to make money Blogging. The Picture above shows a 3 step process for marketing and making money online: (1) Find large groups of people with a specific interest, (2) Recommend a specific product relating to their specific interest, and, (3) Sit back and receive generous commissions. Easy Right?


Yeah Right! The picture is simple, but the process is not easy.


Everyday people get on the opportunity treadmill, and everyday people fall off.

The problem is no one tells you exactly how to do it. In most of the articles I have read they give vague information, but never tell the process to actually help you to achieve your objective. This is how I started to build a list with this blog.


 Based on my understanding, this is the process. Set up a Blog, drive traffic to the blog, and, offer a free gift so people will "Opt-in" to your list. Once they "Opt-In" send them to a Thank you page.  The thank you page is where the reader will be given the free gift that they opted in for.  Now that the person has joined your list, you are building the foundation of an online business. This is why you always hear the term "The Money  Is In The List!"


Blog Set up
I started my blog here at blogger.com. This was easy and free.


Driving Traffic
My favorite site for driving traffic to my site is Clicksense. For 10 dollars you can send between 1000 and 5000 people to your site. I have heard that it is possible to get free traffic to your site from social networks like Facebook, and Twitter, but I have not  had as much success with those methods as I have with Clicksense.


Free Gift
I offer 6 free e-books or reports on wealth building. I turn power point presentations into PDF files. Next I upload them to slideshare.net, and  embed them to my thank you page. When a visitor subscribes, They are taken to my thank you page were they can see the 6 reports. If a visitor wants a copy of then they can download them at slideshare.net


On a side note, you can create both thank pages and landing pages on Blogger.com also. I found a video that shows how to do this on You Tube. Click Here to view it.  I used this video to create a landing page to promote programs that I like. To see an example go to www.profit4ward.com.


Opt-in
The Opt-in box on this page was created at Emailmeform.com.  It's free. You can set up the look of your opt-in box at the site and it will create HTML code that can be placed on blogger. Once you put the code on your site, you can begin to build your list.

The weakness of Email form is that it does not have an auto response system. The strength is that you can get if for free. I have heard that there is another site called mail chimp that is free and provides an auto response system. I'll report on that when I have more information.


When I started this blog back in May of this year, my objective was to learn, apply and practice wealth principle and share them with others. In testing various methods of making money and building wealth, the information provided in this post is what I have put the the test, found to be good, and held on too.


I hope you find this to be helpful, have a great day. If you have any questions or comments please leave them in the comment box below.

Extra Cash for the Holidays

Extra Cash for the Holidays
With the Holidays quickly approaching, many people are looking for ways to earn some extra cash. ZipNadaZilch is a company that provides a way to earn the extra cash that one is looking for, by completing trial offers. For each person referred a 20 dollar payment is earned.
Turning Information Into Income
By completing the free trial at CreditReport.com you can start earning money today. This is the offer that I personally completed and found it to be very easy. watch the video below to see the process.


Earning without Referring
Many people find it challenging to refer others. To overcome this challenge, complete 1 trial offer Today and I will personally send you10 dollars via Pay Pay.
Click Here to get started.


For more details read the report below.

How to earn Multiple $20 Payments online from home

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Targets 1 through 11 Taken Out

In one of my first post called The Model, I used an example of compounding a penny everyday for 20 days, as a model. Each day was used as targets to hit in my investing. It has taken 6 months to hit targets 1 though 11.

Below is a report I wrote showing my progress in building passive income.

How to earn passive income in 30 days or less without recruiting

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When target 18 is acquired, I will have reached a personal level of financial independence. Any additional targets that are achieved beyond that would be a life style upgrade.

Here are the targets that were set. The numbers in green show the targets that have been hit. The number in orange is my next target, and the numbers in red are future targets.

# of Days 1 Penny Compounded Daily

Day 1 ------------------------------>$0.01

Day 2------------------------------> $0.02

Day 3 ------------------------------>$0.04

Day 4------------------------------> $0.08

Day 5 ------------------------------>$0.16

Day 6 ------------------------------>$0.32

Day 7 ------------------------------>$0.64

Day 8 ------------------------------>$1.28

Day 9 ------------------------------>$2.56

Day 10 ------------------------------>$5.12

Day 11------------------------------> $10.24

Day 12 ------------------------------>$20.48

Day 13 ------------------------------>$40.96

Day 14 ------------------------------>$81.92

Day 15 ------------------------------>$163.84

Day 16 ------------------------------>$327.68

Day 17 ------------------------------>$655.36

Day 18 ------------------------------>$1,310.72

Day 19 ------------------------------>$2,621.44

Day 20------------------------------> $5,242.88

It is truly amazing to look back at ones actions over time when guided by a plan and see it start to manifest before you.  It was not until today when I sat down and looked at my original plans that I saw that I have made far more progress than I thought.

I have often been side tracked by other "Opportunities", but the plan that I originally set seems to be coming true. I have no idea how to long it will take to reach target 18 or higher, but I will continue to take it step by step.

If I have actually applied this to a penny and hit the 1st 11 targets, could it actually be done asking a person to join the team for 1 dollar? Building that would be life changing. Time will Tell

How the Wealthy Stay Wealthy

How the wealthy stay wealthy

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I recently read another book in the Rich Dad Poor Dad series by Robert Kiyosaki called Choose to be Rich. I thought it was filled with valuable information. The two concepts, I liked the best in the book were the three things that the wealthy do to stay Rich and the practical action of getting 3 piggy banks to build wealth.


I have been investing for 5 months now. Each month I have invested in a dividend paying stock and re-invested income. Now that I have acquired my 1st 100 shares of dividend paying stock, I would like to start building and online investment team.


If I use the "charity" bank funds to pay if forward, as an incentive to investors, it may be a way to build a strong investment team. I guess time will tell.


That's all for now. Have great day.