The Internet has brought about a wide variety of money generating opportunities and it is possible to make money online from the comfort of home, 24 hours a day. To be a successful entrepreneur and generate cash online, it takes a plan and a little know how and business savvy. Without a plan, the effort will be like spinning wheels in mud and the effort to make money online will be wasted.The Internet is the ideal vehicle to find information, whether it is a solution to a problem or an answer to a question. Web surfers are looking for information and selling information is a great way to make money online and provide the desired information. There is a ton of available information online and some of it is credible, useful information, while some information isn’t worth the time it takes to read it. Selling information is one way to generate a financial profit and becoming a credible source of information is essential to success.Finding the Right Niche to Make Money OnlineTo be a credible source of information takes a vast amount of knowledge about a single subject or a few subjects. To get the information ball rolling, the entrepreneur should investigate their number one passion. That passion is either a subject the entrepreneur has a tremendous amount of knowledge about or it is a subject of interest that will promote the necessary research. Keep in mind that the info has to add value for the person in search of such information. Once the information is established in a newsletter or ebook, or in a video or audio presentation, the work is done and the author gets paid each time a consumer purchases the information. It might be necessary to revise the information as better and more credible information comes along.Creating the Current NicheAnother method to make money online from information is to anticipate the type of Information that will be needed in the future. It will take advanced marketing and being a bit of a psychic to determine the information that people will be looking for down the road and then have the necessary information ready when the time comes. It is sometimes speculation what that information might be and a bit of a risk taking the time to create the information packet, but entrepreneurship, and the ability to make money online, is part risk and part determination to make something work.To be successful selling information means looking at trends and projecting where the trend is headed a year or two down the road. For instance, it might be worth researching sporting equipment for children and safety features being put in place and writing a guide about the advancement of technology to create safer equipment for children.Let the Research Begin and Make Money OnlineOnce the entrepreneur has chosen a niche, it is time to unearth everything there is to know about the subject and give the information value in order to make money online. If, for instance, the niche is about designing and building septic systems, it will require articles and information about every aspect of septic design and construction.The point of providing information is to do the work for the people looking for the information. Finding what the consumer wants to know and consolidating the info will save the consumer the research time and avail you the opportunity to make money with no money.Dispensing the informationThe most difficult part of being an entrepreneur and selling information is the marketing and advertising of the product. Part of the planning process is finding the target audience. It is essential to determine just who will look for the type of information the entrepreneur has to dispense.The information has to be packaged in an ebook, newsletter format, articles on a website or an audio or video package. The next question is how to get the information to the target audience. There are several ways to dispense information and make money online and the most popular is via a website. Web pages are not difficult to build, but they do take some time and effort to create a professional looking site that is appealing and makes the visitor want to stay around and find out what the site is all about. There are affordable options for building a website that are worth exploring in order to reach your market.The task at hand is to drive traffic to the website and that is accomplished through on and offline measures. Establishing an email list is one method of traffic generation, along with advertising in trade magazines and sending information packets to the target audience. Once at the website, the consumer has to find something of value and your information packet is the value. To make money online takes paying customers and those customers have to be able to find the store before they can make a purchase.Email lists are popular vehicles when an entrepreneur wants to make money online. It gives the entrepreneur the ability to connect with their target audience and the personal connection trumps any other marketing method almost every time. Email lets the entrepreneur send out valuable information on a moment’s notice at very little cost.Making the SaleIn order to make a sale, it takes paying customers. It is essential to make the sale as easy as possible while still maintaining the security of the customer’s personal and financial data. There must also be an incentive to purchase the product such as a special sale price or an added extra for the customer when they purchase the product. An added extra, might be a one or two page freebie on a subject at random or a subject related to the niche. Getting something at no additional cost is a powerful incentive to make the initial purchase and still allows the entrepreneur to make money.Most consumers find paying for a product with a major credit card or PayPal the easiest and most convenient way to make a purchase. In order for the enterprise to be profitable the cost of the product and volume of sales are necessary parts of the equation to make money online.In conclusion, what has been discussed in this article is only one way in more than 40 ways to make money online. In future posts I will discuss other avenues like taking online surveys for cash and finding lucrative online jobs. So roll up your sleeves, find a niche you are passionate about and start to make money online right now.

Generating capital for your business is highly dependent on your personal credit score. Your Payment History makes up 35% of your entire personal credit score. The other key indicators that make up your credit score are Length of Credit History, New Credit, Types of Credit Used, and Amounts Owed. The percentage breakdown of each in relationship to your personal credit score is as follows:Payment History 35%Amounts Owed 30%Length of Credit History 15%New Credit 10%Types of Credit 10%Each of these areas has specific items associated with it to determine that percentage of your personal credit score. The 30% of your score associated with Amounts Owed is made up of:
Amounts Owed· Amount owing on accounts· Amount owing on specific types of accounts· Lack of a specific type of balance, in some cases· Number of accounts with balances· Proportion of credit lines used (proportion of balances to total credit limits on certain types of revolving accounts)· Proportion of installment loan amounts still owing (proportion of balance to original loan amount on certain types of installment loans)The formulas that create your score look at the averages of consumers and compare you to those. For example with the Amounts Owed section the typical consumer has access to $12,190 on all credit cards combined. More then half of all people with credit cards are using less than 30% of their total credit card limit. Just over 1 in 8 are using 80% of more of their credit card limit. About 48% of credit card holders carry a balance of less than $1,000. About 10% are far less conservative in their use of credit cards and have total card balances in excess of $10,000. When we look at the total of all credit obligations combined (except mortgage loans), 54% of consumers carry less than $5,000 of debt. This includes all credit cards, lines of credit, and loans-everything but mortgages. Nearly 30% carry more than $10,000 of non-mortgage-related debt as reported to the credit bureaus.Based on your current situation you can see how your score may be higher or lower compared to the average statistics of the general consumer.Length of Credit History that makes up 15% of your score is determined by:· Time since accounts opened· Time since accounts opened, by specific type of account· Time since account activityThe average consumer’s oldest obligation is 13 years old, indicating that he or she has been managing credit for some time. In fact, we found that 1 out of 5 consumers who recently applied for credit, had credit histories of 20 years or longer. Only 1 in 20 consumers had credit histories shorter than 2 years.New Credit that makes up 10% of your score is determined by:· Number of recently opened accounts, and proportion of accounts that are recently opened, by type of account· Number of recent credit inquiries· Time since recent account opening(s), by type of account· Time since credit inquiry(s)· Re-establishment of positive credit history following past payment problemsAn important indicator of new credit is inquiries. The number of times someone pulls your personal credit report. When someone applies for a loan or a new credit card account – in short, any time one applies for credit and a lender requests a copy of the credit report – this request is noted as an “inquiry” in the applicant’s credit file. The average consumer has had only one inquiry on his or her accounts within the past year. Fewer than 7% had four or more inquiries resulting from a search for new credit.Types of Credit Used makes up 10% of your score and is:· Number of (presence, prevalence, and recent information on) various types of accounts (credit cards, retail accounts, installment loans, mortgage, consumer finance accounts, etc.)
An average consumer has a total of 11 credit obligations on record at a credit bureau. These include credit cards (such as department store charge cards, gas cards, or bank cards) and installment loans (auto loans, mortgage loans, student loans, etc.). Not included are savings and checking accounts (typically not reported to a credit bureau). Of these 11 credit obligations, 7 are likely to be credit cards and 4 are likely to be installment loans.Depending on what side of the averages you fall on your score will be higher or lower. Obviously if the average consumer has 11 credit obligations and you have 50, you are likely to have a lower score then someone with 13 with everything else being the same on your credit files.It is extremely important to manage your personal credit scores and know what your score is at all times. I recommend that you purchase a monitoring service from FairIssac the developer of the formula that tracks your score by going to: http://www.smallbusinessconsulting.com/fico I recommend it to everyone I know because of the real threat of identity theft and because of the importance of your score in everyday life.

Most universities today offer the Masters in Finance as an option within the structure of the MBA program. Schools of business usually have several areas of concentration to choose from in the second year of a two year, full time MBA course of study. At most schools the most popular major for the MBA is Finance. The list of schools below all include finance as an MBA option and in some cases offer additional graduate level options for degrees related to finance, either within the context of corporate operations or as an analytical profession. Some universities offer a Masters in Financial Mathematics for students interested in the complexities of analytics or in a PhD program that specializes in the technology of business finance. The schools listed below all have degree programs designed for career advancement in the business world.New England College of Business and Finance has been in existence since 1909 when it was founded as the New England Banking Institute. Over the years it has evolved from a finance training institution to a full fledged degree granting college accredited by the New England Association of Schools & Colleges. The Master of Finance degree includes eleven advanced courses that cover International Finance, Applied Quantitative Methods, Enterprise Risk Management, Portfolio Management and several other areas of the academic discipline. The college has a solid background in educating aspiring professionals in the banking and finance industries.Baker College offers the online MBA in Finance with a program that includes thirty three credit hours devoted to business studies and an additional twenty credit hours for classes in the finance specialization. Among the business core courses are classes in Research & Statistics for Managers, Accounting for the Contemporary Manager and Management Information Systems, so the analytic tools and IT requirements for a Masters in Finance are covered in the first section of the program. Advanced finance classes include Public Finance and International Business Finance.University of Liverpool has ventured into the international online education field with its online MBA program. Since the program was accredited by the European Foundation for Management Development it has developed a student body drawn from over 175 nations. The MBA in Finance and Accounting is delivered in modules, with each module consisting of classes that increase in complexity. The University provides e-books or printed textbooks at no charge. Finance modules include Investment Strategies, Financial Reporting, Business Finance and Advanced Managerial Accounting.Kaplan University offers an online Masters of Business Administration with specialization in Finance that can be completed in one year of full time study or two years of part time study. The curriculum includes mergers and acquisitions, international business finance, foreign exchange risk, hedging strategies, and global positioning of assets. Kaplan also offers a MBA in Entrepreneurship that delves into the creative sources and uses of capital involved in a startup.Northeastern University offers a MBA in Finance online through its School of Business. This area of concentration covers mergers and acquisitions, licensing, joint ventures, and IPOs from a management perspective. There is also a MBA in Entrepreneurship that includes some of these advanced courses. In addition Northeastern offers an online Master of Science in Finance that focuses entirely on the complexities of accounting and finance, quantitative and modeling methods, and international finance structures for global businesses.