My personal debt experience, I talk about possible solutions, and my personal result and views.

If you can talk, you can make money!!!!

That’s right, if you can talk you can make money! Because – talking is typing with the new Dragon Speak software!

I got my Dragon Speak the other day, and now I blog like a mother-fucker!

So how does all this rap become dollar,dollar-bills-ya’ll? All you-gotta do is go over to Odesk website, make a profile for creative writer, and people will start paying your whatever rolls out of your mouth. >> Find Writers on oDesk

 

Motel 6 soap – what the $%#*@ is that smell!!

I love Motel 6 but I hate the soap!

I love Motel 6, low cost, more or less a safe place an I think I even seen somewhere “they leave the light on for you”! What more could you want? How about some soap that doesn’t leave you smelling like a dead fucker after a hot shower!

So why in the fuck would I care to write something as silly as this? Well… I’ll tell ya. When you think of the amount of soap that motel 6 goes though every year, you can’t but help thinking to yourself that there is a million dollar opportunity sitting right in front of your face. How has this simple staple been over-looked for so long? I have always thought of Motel 6 as Greyhounds red headed step brother, really catering to the travelers and more transit crowed but can Motel 6 really afford to not have nice smelling soap chips?

And you wanna know the biggest upside of it all? The people that will be pocketing the soap, “your product” to take it home and use it. That’s right, millions of people taking your product home. Because that is what almost every person that stays in a motel does, take the soap! I am clear on the cost behind this sliver of cleanliness, but I have to think even at a loss, the implications of people using your product like this are something to think about.

Personally, I’d rather roll around wood chips to knock any odor off my body and smell like pine. Not to mention feel great, even after pulling the splinters out of my ass with pliers rather than to even apply any of the tiny square things Motel 6 refers to as soap. The best part is that you are so proud to place in their “wonderful Jacuzzis” , give me a break!

I don’t believe even a full time hooker would wash any crevice of her body with Motel 6 soap after a thirty minute fuck.  She would prefer to smell like old sweaty ass, balls and rough sex for a day, rather than to smell like the wonderful scent (not too sure what the scent even is) of a Motel 6 bar of soap.  Hell, she may even rather put herself through the pain and suffering of going through a drive thru car wash just for the glory and the scent of good smelling soap instead of that hardened bar of shit you call soap.

Yeah,  they will leave the light on for you; pay the expense of wasting energy then to actually save energy and money.  How about turning the fucking light off and wait until a person gets there to rent the room! Hey! There’s a bright fucking idea!  How’s that for a light on!!?? No Pun intended, but you would  think you Motel 6 corporate soap geniuses would have come up with that and save money to actually buy some decent soap.

Think, travel sizes of Axe, his and her hotness, hell maybe even some dial at this point. I am certainly willing to work with you in finding a great and cost effective way to cleanse your guests, if you are willing. We understand you aren’t the Hilton Resorts however, we would like to avoid chaffing from an unclean groin area, if at all possible. Simply hygiene is easy when the right tools and resources are available.

Clean up your act Motel 6! – That one was free! But the next one is going to cost ya!

Take your company to the next level, with marketing that is out of this world! Scott is for hire

Fish are friends not food. (free money making idea, for UNDER one thousand bucks!)

I though it was about time for a new money making idea! This is a money making idea I really like. I call this idea “Fish are friends not food”

The idea summery
You will go on Craigslist and buy used fish tanks and fish supplies. You can find used fish tank supplies for almost nothing, manly because they are heavy and difficult to manage and there is a very limited market for used fish tanks.

Then you will make up some marketing materials and cold call business like Doctors and Dentist offices to place the tanks in for a small fee of $100.00 a month, and as a part of the deal you will come once a month to clean and maintain the fish tank. And all they have to do, just put a pinch of food in the tank everyday, and let their guest that visit the office enjoy!

And if you want to make this even more compelling project, you can tie all this to a some-sort of good cause, and maybe call it “Fish are friends not food”, fish rescue project. And get yourself a small sticker for the front of the tank so people can read about the cause, then maybe you could donate 10% of your earnings to a good cause like the surf riders foundation.

Start-up cost for this idea is under $1000.00

Earning potential of this idea – You place 100 tanks in offices, you could make upwards of $10,000.00 a month.

Does ChexSystems even matter anymore?

For some reason ChexSystems seems to be slipping out of the picture. I have opened 2 checking accounts recently (last 3 months) and from what I can tell, less banks are using the chexSystems bank account verification system. Then the other day a buddy of mine tells me about a new thing banks are using called Early Warning Systems or (EWS)

So who is EWS?  creditinfocenter.com says: Early Warning Services is a limited liability company owned by Bank of America, BB&T Corporation, JPMorgan Chase, Wachovia, and Wells Fargo. From their website describing services to financial institutions.

I think – because banks are now charging $10 a month for bank/checking accounts, the dynamics have changed and banks are opening at risk accounts.

I also was reading, that complaints filed with ChexSystems, are also filed with EWS, I am not sure that is %100 true.

 

How to improve your chances of selling your car on Craigslist.

It is very simple to get more people looking at your car for sale posting on Craigslist with less phone calls and less foot traffic, by posting a short YouTube tour video of your car!

With gas being very expensive, these days it is difficult to get people to show up to look at your car for sale, this is what I did to sell my car on craigslist!

Well you can make a short You Tube video and post it on craigslist with a short tour of your car with some general details. I sold my car on craigslist in the first day with this video.

I think posting a You Tube video would work well for boats, RVs, cars or just about anything you want to sale on craigslist!

Can’t sell your used RV? I can help!!!

Having a hard time selling your used RV in today’s market? Today is your lucky day!! I think I may be able to help you out and unlike other websites the information posted on my website is 100% free.

Something you may not be aware of, but there is a small niche market, currently in Williston, North Dakota, that may allow you to sell your used RV for 2 times up to 5 times what your used RV is currently worth in this sagging market.

Wages are high and the lack of affordable housing is making hard for people moving to the area. With people sleeping at Wal-Mart and some are even camping on the side of the road in tents and sleeping bags. Williston, North Dakota, is the modern day gold rush!

Why?

In the town of Williston, N.D., America’s newest oil boomtown, more than 6,000 job seekers have come from every corner of the country looking for work. Yet, oil companies and other developers haven’t been able to build housing units fast enough.

In the past year, only about 2,000 new housing units have been built, leaving many workers out in the cold.

Another fun fact to support the idea is, local hotels are charging upwards of $6,000 a month and are booked till next year.

Newer arrivals who can’t find vacant hotel rooms or apartments, sleep in their cars, or in sleeping bags on spare patches of grass along the highway. The luckier ones nab a spot in one of the dozens of dorm-like facilities, known as “man camps,” that the oil companies have built to house their workers.

Important point – This market might only support RV’s in the price range $1000-$10,000.00. Many of the employees salaries are $4,500.00-$12,000.00 a month. Even fast food workers are making as much as$15.00 hour.

Something else that just crossed my mind while I was writing this –You may not be able to sell higher priced RV’s, BUT!!! You might be able to rent your RV for a thousand a month or something.

Quotes in this article taken from Yahoo Finance – to read the full article posted on Yahoo

CNN money oil boomtown article here

Progressive Snapshot Discount Consumer Warning [My Review]

Is the Snapshot Discount the biggest discount ever, or is it the biggest consumer scam ever? Is the snapshot discount from Progressive Insurance really designed to save you money, or is the Snapshot device collecting data that can be used to potently raise your insurance rates, rather than lower them as it boast in the commercial.

Driver beware – The Snapshot Discount is a device that hooks up to your cars computer and starts to collect data on your driving habits – good but also BAD over 7-10 day period.

Is this good? I think most people feel like they drive fairly-well over all, but this may not be the case in your insurance companies eyes. Insurance companies are doing their best to gain the most information about you and your driving habits as they can, before they actually insure you.

So how is the Snapshot Discount bad? The information that is collected from your car by the Snapshot Discount device about your driving habits can be used to save you money, but this information can also be used against you. And your driving habits can be and most likely will-be shared with other insurers, making it even harder for you to get lower rates on your auto insurance. I can tell you personally, there is no chance I would plug anything into my car that would track my driving habits, especially an insurance company.

I have never been in a car accident and have no tickets, and I still think my auto insurance rates are WAY too high. And as a matter of fact, I found Progressive insurance rates to be the highest of all the providers I called for a quote .

If your truly looking to save real money on your auto insurance policy. I am a member of Costco, and I buy my car insurance with my membership. To date – I have yet to find a company that can even meet the price I’m currently paying on auto insurance. And I already know because I am dealing with Costco, I know I am dealing with a quality insurance company.

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The Numbers Game – Lessons From Mailbox Money

It’s All A Numbers Game – Lessons I Learned From Mailbox Money

Before the advent of the internet, get rich quick schemes were advertised in magazines.  These ads followed a predictable formula – there were pictures of expensive European cars parked in front of a mansion and an average, perhaps portly guy, with a polyester leisure suit and two hot blondes on either side and ad copy stating, “I make a million dollars a year without doing anything.”  It’s not at all unlike what is portrayed in internet get rich quick scheme ads today like the Rich Jerk.

I fell for my first get rich quick scheme at about age ten.  While other children were playing kick ball, I was dreaming about being rich.  Not just rich but filthy rich.  Funny money.  I sent the rich guy my ten bucks and waited on pins and needles for my very own blueprint for success to arrive in the mail.  What I got was a pamphlet telling me how to start my own get rich quick scheme.  The scheme suggested you write a pamphlet (or just photocopy his) and advertise it in classified ads.  He said if you charge five dollars for your pamphlet and spend two hundred dollars on advertising you should make roughly $2000.  He called it mailbox money because he said he opened his mail box and got money every day.

I never tried it and I fell for many more get rich quick schemes after that as I’m sure anyone who has been interested in getting “money for nothing and your chicks for free” has as well.  But the lesson I learned from all the various scams I was suckered into was this – IT’S ALL A NUMBERS GAME.

Take any method of making money and there’s at least a million of them to chose from.  The formula for success is how many times you actually performed the activity.  If it takes 100 sales calls to make one sale and you quit at 99, saying, “this doesn’t work,” you misunderstood the formula for success.  Another key component implicit in the formula is your belief in the method of making money you chose to engage in.  In other words, maybe you don’t have the personality (or the glamor shot photo) to sell real estate and you believe you are better adapted to, oh, I don’t know, how about shoveling dirt.  If that were the case and you honestly believed you should be shoveling dirt for money, the amount of money you make is directly proportional to how many times you shovel.  Even as a shoveler of dirt, you have to sell your service even if it means you have to go door to door with your shovel, asking people to hire you.  So to be clear, whatever we choose to do for money, we’re selling something whether it’s an idea, a product or our time.

So no more get rich quick schemes – just pick a method that actually makes money and do it over and over again until you have all the money you want.  That’s the lesson to be learned from mailbox money.  Good luck!

A Simple Formula to Evaluate the Value of Your Time

An all to familiar scene is playing out at my house.  My wife is searching craigslist for a job.  I’m working on our other computer.  She says, “what are you doing?”

“I’m working,” I say.  “Are you making any money?” she asks.  “Yes.”  “At this moment?”  “Not at this moment, no.”  “When?”  “Really soon, I promise, my love.”  The dog jumps on my lap, her paws land on my keyboard inserting random characters in my blog post.  If she could talk, she’d be saying, “play with me Daddy – you never want to play with me anymore.”  I could sit with my wife and try to explain the thoughts that are going through my head about money and work and the value of time but she’s knows that we need money now and that’s one of the many things I love about her.  She can focus and bring money in the door right now.  I’m entirely in a philosophical debate in my mind.  In that internal debate, I reach a mathematical formula to determine how to evaluate any monetary pursuit according to a value of one’s time.  I had to make some assumptions in order to arrive at this formula.

First assumption:  Any money earned (unless it’s gifted, inherited or compounded interest) is the result of converting a sales pitch.  I hear the first nay-sayer now:  But I have a job!  I’m not making a sales pitch. Landing a job required a big sales pitch and there’s a continual pitch made each and every hour worked.  A job is a 100% conversion rate of every hour worked.

Second assumption:  The percentage of conversion is an estimate based upon past performance.  If you’ve made a thousand sales pitches and had one hundred sales, the percentage of conversion is ten percent.  A percentage of conversion can be increased or decreased based upon the skills of the person presenting the pitch.

Third assumption:  Time is the most precious of human possessions therefore something that can be done using less of one’s time is inherently better than another.

With these assumptions, here’s the formula:

E = P x C  x e/ T = V

E= earnings

P = number of pitches

C = percentage of conversion

e = earning per conversion

T = total time investment

V = value of time invested

If you’re analyzing the value of time for a job, that’s easy.  If you make $15 an hour, V, the value of your time is $15.  There are only two variables that you can increase to increase your earnings, how many hours you work and the rate of your pay.

Let’s look at this formula with a different kind of opportunity – appointment setting, for instance.  Assume an insurance agent offers you $5 for every appointment that you set and you’re told previous appointment setters average ten appointments per one hundred calls.  You’re also told that most appointment setters work 6 hours a day, five days a week and earn an average of $500 weekly.  Assuming these are good estimates, here’s the formula at work:

$500 = 1000 x .10 x 5 / 48 = $10.42  To make $500 a week, you have to make 1000 sales calls, close ten percent of the sales at $5 per closing divided by the total hours worked, 48, for a value of $10.42 per hour.  If you want to earn more, you can increase the amount of pitches (which increases your time), the earning per conversion (ask for $10 per appointment) and/or increase the conversion percentage which would naturally occur as you perfect your sales pitch. While, this might not have been the best example, at least there are more variables you can control than with a job.

For me, the formula becomes infinitely more fascinating when dealing with the sale of intellectual property.  The creation of intellectual property; music, a photograph, a brand, a book, a website is time intensive to create but what makes it different from the above examples is, when it’s completed you’ve got the potential for your pitches to run an indefinite period of time and the amount of time required to maintain decreases significantly.  Residual and passive income is the boon of the successful marketing of intellectual property.

The hard thing to explain to my wife (and I know she already gets it without my explanation) is that I’m either creating some intellectual property, increasing the number of sales pitches I’m making, crafting pitches for a higher percentage of conversion, or increasing the earning per conversion.  This is difficult to explain when you should be working a job.  The final factor which I cannot seem to express mathematically is whether you enjoy your total time spent.   I’m not sure what E has to be to not enjoy what you’re doing – I guess that depends on just how much E you think you need.

The benifits of selling your website on Flippa vs. eBay.

Recently – Selling websites on the web has become very problematic. “Just-how-much” is a website worth these days? I personally build websites and then turn-around and sell them to people that want to be in business on the web. This is a very tricky market, to sell your website you need to reach real buyers. I have sold websites on eBay, but I have only listed websites for sale on Flippa, never actually sold any. I will share my experience and what I think are the pros-and-cons of selling websites on eBay versus Flippa and give you some valuable tips for saving money and getting even more money for your website!

I was reading is article I found – I think it was the USA Today, it said any website or domain name in 5 years could be worth 500x times what it’s worth right now.

The number one problem you face when looking to get a good price for your website, is the mound of horse-shit scam websites that promise large returns for no investment. This is what buyers that are looking to buy websites have to wade though when looking to buy. Stupid and ridiculous domains priced for 1 million, affiliate websites scams, all kind of scams.

The other problem – It is difficult to sell a website to just anyone, most people are a little intimated or simply have no idea what they are even looking at. I don’t think either eBay or Flippa really offer the “optimal selling experience” for selling websites. Ideally  you want to list your website where you will attract the most potential buyers. Buyer beware!

Flippa – They boast making something like 10 million in sales, to be honest I found this very hard to believe. I didn’t feel like that many of the listings on Flippa ended in a actual sale of the website. All I seen was a bunch of junk websites and maybe 2-10 real offerings. The websites I listed on Flippa, I feel really didn’t attract much attention. …and it was over priced, but again when I listed my sites for sale it was about 12 months ago. 😉 Last I heard it was even higher now, with some “success fee” bullshit. read more about dat chit

eBay – has the traffic and the following, brought you lots and lots of potential buyers, also you can list the website for sale in the niche category you are looking to target. Example: Remote Control Cars. I think eBay brings a stronger buyer base to the table than Flippa does, and at a reasonable cost.

*** SCOTTY – FUN FACT***: You can also buy traffic for your listing, or what you could do instead – Make a single sales page with blogger, or even a page on the website that your selling, then set up AdWords account and bid on keywords against Flippa, targeting keywords like; buy websites, website investments, website business, web business. This will allow you to go-directly to the horses mouth for real website buyers not just a bunch of lookie-losers.

*This is also a good way of selling your website, with less chance of your site being copied by a fake-buyer.

I had my best results selling website – When I self-marketed the website, I was WAYYYY more effective. Or you can look at it this way… The few hundred bucks that you would pay for the “success fee” for selling your website on Flippa, can be used to get more targeted clicks from AdWords, and you might even save a few bucks!

RECOMMEND: Craigslist, AdWords.

*This is how I selling my websites now: http://scottrasher.com/domains-for-sale/

These days I really don’t spend time selling websites, I spend more of my time blogging about stupid shit like this. But I found posting websites for sale on blogs or free classifieds like Craigslist and self marketing, was by-far the best way to sell your websites.

Selling websites FAQ:

Most people buying website don’t have any idea what they are buying.

What you need to guard against is being robed for your intellectual property.

You are not covered under Paypal terms in a transactions a tangible product in not present. Example: files, websites, domains

Fun Facts:

I have sold about 50 websites on eBay and about 100 total.

Other places you can sell your website:

COMING SOON

How to Make Money Selling eBooks Ethically

The Old School Get Rich Quick Scheme…

The other day, I posted an article about the old scam I called Mail Box Money.  To re-cap, Mail Box Money is an old marketing trick that’s still used today – just in a different form.  The way it worked was, through compelling ad copy – read, tugging your psychological head strings – the desire to be rich, have a mansion, a Ferrari,  have women (or men) begging for your attention, or just not to have to work any more – you would send your ten bucks to the rich guy and he would send you the “blueprint for success,” the how to do what I did manual.  He would go to his mailbox, laugh at the envelopes and mail off the pamphlet describing how to pull off the mail box money scam.  It’s just slightly more ethical than the Ponzi scheme pulled off famously by Bernie Madoff.  Today the mail box money is email box money and here’s how it’s done.

Ever wanted to do your own get rich quick scheme?  Follow along…

The electronic version is accomplished by writing an ebook.  This is pretty simple to do really.  Any word processor and a catchy title – “Affiliate Marketing Mastery” – “Google Ad Destroyer” – “Arm Chair Millions,”  whatever.  With your 50 page ebook containing all the “secrets” of how to make money you then set about making a website that’s called a pitch page.  It’s just a scrolling css page with fake screen shots of hot cars, mansions, fake checks, testimonials, and the familiar pitch – if you’re not making money like I am, you NEED my ebook.  The page has to have the latest technology like pop-up windows that ask do you really want to throw away your life working a boring job – click here to return – video of rich internet marketers and whatever the latest gizmo is.  A good web designer with some tricks in the bag can pull this off for you, no problem.  Better yet, cut him in on the action and he might do it for free.  Then you post your new pitch to the multitude of Affiliate Marketing sites as a publisher.  Let’s say you want to charge $100 for your awesome e-book.  You offer affiliates $75 for every copy they sell.  That sounds high but with a price point like that you’ll have a hundred thousand minions putting up websites, spamming their email networks, clamoring to get traffic to your pitch page, which if good, should convert at least 25% of the leads.   That’s it in a nutshell – an electronic version of the mail box money, get rich quick idea that’s been around as long as there have been people wanting to get rich quick.

It doesn’t have to be a scam…

People will buy quality ebooks to learn how to do anything.  Your ebook doesn’t have to be about the internet or getting rich quick.    It can be about how to build your own greenhouse, how to start a window tinting business, anything really.  Affiliate Marketing sites promote ebooks about any subject if there are people willing to buy them, and there are – it’s just getting an affiliate to promote an ebook is a factor of percentage of conversion and commission paid so be generous, have a great pitch site and voila – an independent sales force selling your idea.  Here are a couple examples of legitimate ebooks and pitch pages for your review:  Dog Training and DIY Solar Power.

Want passive and residual income?

Selling an idea has and will continue to be the single most profitable thing that can be sold.  An idea, after all, is free.  They’re just thoughts floating around, available to anyone who might happen to think it.  But, an idea that is not expressed is still nothing.  Something must be done with an idea for it to be sold.  An ebook is an expression of an idea that can be sold.  Once it’s completed, it can be sold over and over again, creating passive and residual income.

Express your idea…

If you have a great idea – one in which you think people all over the world would like to know – but for whatever reason are having trouble expressing it, all is not lost.  Contact Jeff today about his ghost writing service.  If the idea is good enough, he will professionally complete your ebook  using Adobe InDesign CS3, with your name as the author, create the pitch site and place the ebook on the Affiliate Market for a percentage of the sales.  There’s no reason not to realize your dream of a passive and residual income from your idea.  Pitch the idea now:

Sign the confidentiality agreement to bid on this listing at Flippa

I was recently was looking at a websites at Flippa, and I was prompted to “sign the confidentiality agreement to bid on this listing” before I could even view the website for sale. What a fucking joke this is! Nothing like this would ever hold up in court, it is so silly. People have  fake usernames, something like this would be so difficult to enforce, it just wouldn’t be worth the time or the money.

How to Settle a Simple Auto Accident Claim Without A Lawyer

You’ve been in a car accident that wasn’t your fault and you have minor injuries. This article will tell you how to settle your claim without a lawyer.

Things you’ll need:

  • A Police Report
  • Medical Bills
  • Basic Phone Skills

1 This article is based on my personal experience. I was rear-ended by another driver and he was cited at fault in the accident. I experienced back and neck pains as a result of the accident. This is a fairly common automobile accident. The police officer investigating the accident will provide you with a summary of the ticket which states if he found anyone at fault. Keep this document – it is the ticket to the settlement of your personal injury claim.

2 Contact a personal injury clinic, typically a chiropractor’ s office and ask them if they will provide you treatment on a lien basis. This means that they agree to wait until the insurance company pays the claim. Start treatment immediately. Insurance companies are skeptical if a person seeks treatment after they speak to a lawyer or it is more than a few days after the accident.

3 Check your own automobile insurance policy to see if your policy provides “Med Pay”. Med pay is short for medical payments and is typically paid directly to the provider or to the insured if they come out of pocket for medical treatment. Your chiropractor can use the med pay provision of your car insurance. This will make you money because the insurance company of the at fault driver will pay your claim and you will not have to reimburse the chiropractor for cost of treatment.

4 The insurance company for the driver that hit you will call you within a few days of the accident. Tell them that you are receiving medical treatment and let them know how long it is expected to take. Refuse to give a recorded statement unless you feel very confident that you can accurately recount what happened. You are not required to provide anyone with a recorded statement and they are frequently used later when the insurance company wants to legally fight a claim. Just politely decline – if pressed say, I’m considering hiring a lawyer.

5 Complete your medical treatment. Go to each and every scheduled treatment. Do not skip any appointment. Get a certified completion of treatment. Get a copy of all of your medical records.

6 Total your medical expenses and document any lost income. Write a simple letter to the insurance adjuster of the other driver with copies of your police report, medical records, photographs, and any other evidence you have supporting a settlement. Multiply your actual damages by three for your final demand. They will respond with their offer and you can accept it if you feel it is good.

You’ve been in a car accident that wasn’t your fault and you have minor injuries. This article will tell you how to settle your claim without a lawyer.

Tips & Warnings

If you used med pay from your own insurance, you get to keep the entire settlement.

Most lawyers will take a contingent fee of 33% of your settlement. If you followed the tips in this how to, you’ll come out better off without an attorney. If you receive medical treatment on a lien basis, you have to repay the medical provider from your settlement. If the insurance company refuses to settle with you, your only real option then is to file a lawsuit so it is better to be nice with the insurance adjuster. They’re just doing their job, after all.