Thursday, December 11, 2008

How To Avoid work @ home scams

Work @ home scams perpetrators take advantage of people’s willingness to believe in a desperate hope that an opportunity will assist them to achieve their dream of being a millionaire from home.

When a scammer runs off with their hard earned money, that’s not all they steal, their dreams are also stolen.

Sometimes it’s hard to tell with which opportunities are scams and which ones are legitimate, there are warning signs that can show you to proceed with caution.

These include:
  • Absurd claims that you can make large amounts of money in a very short time or with very little work. Success comes with hard work and sometimes sacrifices and cannot be built overnight.
  • Claims that the system does not require any work on your part and that you can make money while you sleep.
  • Not every business opportunity is right for everybody. The ridiculous claims of some scammers that “You are guaranteed to make money” are far from the truth. They do not know if you have the skills, your educational background which will definitely affect your success.
  • When there is no contact information, legitimate businesses have a tendency to welcome inquiries and feedback.
  • In many cases you are told that it’s a limited time offer - you MUST join today! If it’s a legitimate business, it will still be around forever. Don’t allow anyone to pressure you into joining an online business without proper verification.
  • When you have to pay a fee just to find out information about the opportunity.
  • When there is hardly any detail about what you will actually be selling. Unclear details could indicate that the opportunity has a bad reputation.
  • When there is too much emphasis on recruiting others for a commission, rather than emphasizing the sale of a product or service.
  • In many cases you are told that it’s a limited time offer - you MUST join today! If it’s a legitimate business, it will still be around forever. Don’t allow anyone to pressure you into joining an online business without proper verification.

Point of note: Many people become fed-up after being scammed; they assume all online businesses are scams. This is an equally non-productive attitude as being too trusting!

There are many legitimate opportunities available out there. And keep in mind, too, that just because an opportunity does not work for you, that it does not necessarily make it a scam. Each individual’s skills, interests, and motivation will determine how successful you are with any business.

Let common sense be your guide. If something doesn’t seem right, don't bother. The least you can do is check out any company thoroughly before making any commitment.

Finally, you can create your own opportunity by producing and marketing a product or service of your own.

Working from home is certainly an attainable goal. Do research on each opportunity carefully, work consistently towards your goal, and you could very well be able to join the ranks of home businesses owners sooner than you think.


Wednesday, November 12, 2008

Action Strategies for Success

Why aren’t you experiencing the success you deserve?

Nowadays people have a natural need to live a fulfilling and meaningful life, however few of us seem to be able to attract more of what we really want.

Successful people that have made money online and offline today, have taken the time to clearly define their life vision and are willing to take action on fulfilling it every day. Action leads to movement, which leads to momentum, which naturally draws more of the 'good stuff' to them.

When you have a positive frame of mind combined with a vision of your ideal, then you will want to take action to make it happen!

The recipes for success are patience, determination, commitment and persistence which involve many trials and errors, before you get it just right.

There are two kinds of people in this world: those who watch things happen and those who make things happen. No one is going to do it for you. No one is coming to save you. If you want changes in your life, if you want success and achievement, you must take action. And the amount of success you enjoy will be directly proportional to the amount of action you take.

Read, print and recite daily these action strategies and follow your Dreams!

1) A Decision to Win - The Intention of Winning!

2) Learn and Master Time Tested Proven Basic Fundamentals that Work!

3) Do whatever it takes to Play against the Best or else you'll NEVER go anywhere!

4) Teamwork is like Oxygen (without which you're dead)!

5) Don't Care What Others Think About What You Are Focused On!

6) Decent just doesn't cut it - when you have a Dream!

7) Don't Bury your Talent (You Own It)!

8) Live and Breathe the Recruiting Mindset 24/7!

9) You'll fail without a coach that is willing to stir up the competition in order to win!

10) True Champion is Highly Emotional!!

11) Love the word - Risk!!

12) If you want to win, you've got to Recruit. That's how the Big Boys do it!

13) Activity without Accomplishment is deadly!

14) Focus on Recruiting (that's the bottom line)!

15) The coach speaks - you listen - or else you'll fail (we never back down!)!

16) If you're too soft for the game - Go Home!

17) If You Quit Now, You will Quit the rest of your life!

18) Great Players make basic easy simple plays - Showboating is a sign of Insecurity!

19) A Real Coach is tough because he knows how good YOU truly are.!

20) You have to *LOVE* the Game or else...!

21) When you practice and practice, the enemy will know you by your strength!

22) It's all about *HEART*.!

23) When you do not play like a team *You Lose*!

24) Your Dignity is inside you. Nobody can take that from you unless you give it to them!

25) Shut Up the Enemy - Just *WIN*!

26) When you're sick of something, you can decide to put an end to it - FOREVER!!

27) Send the enemy a Message - Go for it with everything that you've got!!

28) Courage is the strongest Muscle

29) They will not give it to you - You gotta take it!

Go out there and make things happen; take action for a successful life Today!

Thursday, October 23, 2008

Steps to Becoming an Internet Millionaire

We live in a world where opportunities abound, yet most people are buried in debt.

To live your dreams, and become an internet millionaire the most important decision is to take charge of ones financial future.

In every man contains seeds of greatness, which can be expressed in countless ways, from starting a business to giving back to our community to raising the next generation of leaders. Life is all about finding that seed and nurturing it to its full growth.”

Life is full of wonderful possibilities and avenues, and all it requires is for you to decide what you want, and go out in the world and grab it.

If you are reading this article, then you must definitely be literate, possess a computer of your own or have access from a cybercafé.

Do you have the belief that you can be as financially independent as you aspire to be?

To be an Internet Millionaire and a financial success online, you must:
  • Choose to be financially successful: This is not mere wishes, hopes, wants or desire to be wealthy. There must be commitment on your part. It requires a certain degree of hard work and inconveniences.
  • Know how money works: Most people do not understand the method involved in investing money. One has to be financially wise to become a millionaire by attending seminars, reading books, learning and mastering the art of making money.
  • Study your relationship with money: Some people are careless with money. We spend it to show off, or out of sheer excitement or maybe because we feel we have a reservoir of it. We need to create a relationship of respect, appreciation and gratitude for having money and thus spend wisely.
  • Set Challenging Goals to direct your life. Make a commitment towards achieving these set goals according to priority. You may not accomplish every goal you set, no one does, but what really matters is having goals and going after them wholeheartedly.
  • Create a budget: A budget is a map to your destination; it guides you to spending wisely and eliminates impulsive spending.
  • Avoid unnecessary expenses: After you must have made your budget you control your money rather than let it control you. Self made millionaires live below their means, so I’d expect you to follow suit.
  • Start Investing: Don’t speculate, invest in things you understand and have researched. Get 2nd opinions on issues concerning your investments from experts. Do so cautiously and wisely, your objective is to be a millionaire, so obey the difference between gambling and putting your money to work for you.
  • Endeavour to invest in assets: It takes time and effort to build wealth. Never make the mistake of only increasing your income, buy stocks, buildings, lands etc. Most Millionaires invest in assets that will turn around in the future so they don’t spend their money on frivolous things.
  • Associate with successful millionaires (as mentors), learn from them, read books on how to be a millionaire.
  • Learn to make positive impact on peoples lives, don’t be greedy invest in your community. Spending wisely does not mean you shouldn’t share or assist others.

I recommend these books to start your education about being an internet millionaire:

* Internet Riches by Scott Fox
* Getting Rich Your Own Way by Brian Tracy
* The 100 Absolutely Unbreakable Laws of Business Success by Brian Tracy

I leave you to ponder on this parting shot “Live well, do not spend lavishly to impress friends or neighbours; invest wisely and stay wealthy.

The secret of becoming a millionaire on the internet is to be committed, do what millionaires do, and do it time and time again until you reach your goal.

Wednesday, October 15, 2008

Building an online presence for your Internet business.

Having decided on being an online entrepreneur and have chosen what line of business you want to embark on. The next step after you must have drawn up your goals, set your plans is to build an online presence for your business.

The most important tasks in running a business is letting your potential customers know that you exist. Every second, minute and hour of each passing day another domain name gets registered. Everyone wants to stake a profitable claim in the World Wide Web.

It is advisable that you grab your domain and reserve your business identity on the web. Even if you don't plan to create a website immediately it would be a sensible idea to register your domain name as soon as you choose a unique name that is not already registered. Having your own domain name gives you freedom to do whatever is required on your website or blog.

A website or blog is just like your brochure for others to see what you sell. A website or blog should describe your products and services and provide your contact information. The products and services are presented with readily understood, self serving benefits for consumers. You can add more content as you go.

Always create relevant keyword-rich content for your site or blog. If you have good content, Google will rank your site or blog better and with good page ranks you will have more hits that you could convert to good business through your site or blog.

Hosted space comes very cheap these days. Start with an entry level hosting plan and upgrade with your need.

The advantages of building an online presence

  • A web site or blog faces no time zone barriers. The Internet is the most lucrative way to trade nationally and internationally.
  • More customers are generated for your business without doing any additional marketing.
    A well-made web site or blog is a great tool to create credibility and look bigger than it actually is.
  • It is evident that a web site or blog can be the most economical medium of marketing ever created.
  • It saves you money on printing and distribution costs.
  • Your web site statistics can help you understand how your visitors and customers use your site.
  • 24 hour customer service can be provided without hiring any additional employees.

Maintaining your site is an on-going process of monitoring and modifying as necessary, to ensure you are meeting your business requirements.

Defining your web strategy means planning what you want to do, building your site, promoting it and maintaining it. This means that you need to revisit your plans regularly to make certain the strategy you are using is still in line with your business needs, and that you are meeting your expected goals. You may also want to alter parts of your strategy to take advantage of changes in internet technology.

Give it a go, create an online presence for your internet business and promote.

To your online success….


Thursday, October 9, 2008

Steps to starting a profitable online Business

Many people say they want to Make Money Online; but don’t have any idea how to go about it. This is one of the many reasons why few succeed and many fail.
Today the Internet continues to grow daily, and has made distances shorter and the world smaller. With a very low investment, anyone can have a web page on the Internet. This way, almost any business can reach a very large market, fast, directly and economically, no matter the location or size of the business. With a very little investment, anybody that can read and write can have access to the World Wide Web.

There are vast amount of information on how you can start a business online, but some of them are rather confusing and often misleading. A lot of people sooner than later discover that the Internet is one of the worst places to lose money fast; in the course of running their businesses.

Believe it or not making money online is not an easy task, there is no such thing as “get rich quick”.

Deciding on becoming an online entrepreneur is only the first step of a long journey. For a long-term online business to flourish there are general steps you must follow and you must be armed with a good business plan before anything. No plan, no success. There are lots of planning, preparations involved. Here are some steps that will guide you towards achieving the Online Success you deserve.
  • What do you want to achieve as an online entrepreneur? Set up your business goal first before any other thing as it will guide you each step of the way. Write down at least 5 goals you want to accomplish in your lifetime. Then put the list away and update it again next year.
  • How will you accomplish your set goals? What amount of money will you make this year? How will you do it? Type that information out in a clear sentence, put by your bedside, and read it every morning and every night like a prayer book to help inspire you to reach your goals.
  • What are the means and ways you hope to achieve these goals? Make a list of what you think the business needs and what you need to have to achieve success. It may be knowledge about the business, skills required, funds, certifications needed, equipment and machineries you need to purchase. Then check if you possess the knowledge, skills, etc. now; and if not, plan on how you can get it.
  • Get a To Do List that has a calendar: make a note on your calendar, one week ahead of any event, about what you need to do for your business. Do this every night, including the weekends, so you get in the habit of relying on your to-do list to help you get things done. Whatever it is, make a note of it in advance so you can stay of top of your tasks.
  • Have a niche or focus on a specialty category: When making the decision to start an online business, the first question you need to ask is “What will I be doing?” Will you go with something you love, or something you think could earn you money from? Research what niche you want to be, because there are so many options out there, so many types of businesses that you can start.
  • Be Consistent: Endeavour to go a long way to carry out whatever is necessary for your online business. Very often people let their feelings, or that of other people get in the way.
  • Choosing the right business: Every Online business venture contains certain inherent risks. We do not advocate that any one way is the right way or that our suggestions are the only way. On the contrary, we advise that before investing any money in any online business venture you should do a thorough research and verification.
  • Find a mentor: Having someone to guide you, give you counsel, even open doors for you and introduce you to customers, tools and financing resources is literally, goes a long in boosting your drive. A mentor can sometimes show you a proven roadmap to your business success.
  • Know your target market: When you start a business, it is crucial that you know your target market and how you can reach them. A marketing plan can help you think through your marketing strategies as it helps you create your positioning statement, identify your target customers, and formulate strategies with corresponding timelines on how to reach them.
  • Effectiveness of your plans: Study your plans before you start anything. Are your plans are organized? Are they effective? Can your plans take you to the required destination? Modify your plans to make them realistic. Don't make a plan that you can't follow.
  • Get Started: Take a bold step toward actualizing your lay down goals. It is not a matter of survival but a matter of knowing where you're going and getting there with the right directions.

Discovering how other businesses are growing, thinking through your marketing strategy, taking an organized approach, using the proper tools to get the word out and focusing on your achievement will help you reach your business goals and set you on the right path towards accomplishing your greatest success.

Tuesday, September 23, 2008

Ways to Drive More Traffic to Your Income Earning Blog or website

There are many creative ways to build traffic without getting a big hole in your pocket. Like the saying goes: “The Money is in the List”.

If you want your Internet business to be successful, you cannot overlook the importance of getting traffic online.

Remember that people won’t know what your business has to offer if they never visit your blog or website!

Use these super hot traffic tips to get you going:

1. Write and submit articles to the article directories.

2. Leave comments on other people’s blogs with a backlink to your site.

3. Post in forums and have a link to your site in your signature.

4. Write a press release and submit it to

5. Answer people’s questions on

6. Advertise your website in the appropriate category on

7. Answer people’s questions on

8. Give an unbiased testimonial on a product/service that you have used in
exchange for a backlink to your site.

9. Start a blog and submit it to the 100’s of free blog directories.

10. Manually submit your website to the major search engines.

11. Optimize each page of your website for a particular keyword or search

12. Add a link in your email signature to your website. It’s a free and easy way to get a little more traffic.

13. Make a custom 404 error page for your website redirecting people to your home page.

14. Add a “bookmark this site” link to your webpages.

15. Use PPC search engine advertising.

16. Have a "tell-a-friend form" on your site.

17. Send articles to ezine publishers that includes a link to your website.

18. Hold a crazy content and make it go viral.

19. Add an RSS feed to your blog.

20. Give away a freebie (ebook, report, e-course) to keep people coming back to your site.

21. Submit your site to any related niche directories on the net.

22. Participate in a banner or link exchange program.

23. Create a software program and give it away for free.

24. Purchase the misspellings or variations of your domain name, or those of your competitors.

25. Conduct and publish surveys to your website.

26. Find joint venture partners that will send you traffic.

27. Start your own newsletter or ezine.

28. Use a autoresponder or email campaign to keep people coming back to your site.

29. Purchase ads on other sites.

30. Send a free copy of your product to other site owners in exchange for a product review.

31. Buy a domain name related to your niche that is already receiving traffic and forward it to your site.

32. Pass out business cards with your domain on them everywhere you go.

33. Start and affiliate program and let your affiliates send you visitors.

34. Start a page on social bookmarking sites such as

35. Submit a viral video to

36. Sell or place classified ads on with a link to your site.

37. Advertise on other product’s “thank you” pages.

38. Create a free ebook and list in on the “free ebook” sites.

39. Buy and use a memorable domain name.

40. Do something controversial.

41. Create an Amazon profile and submit reviews for books and other products that you have read.

42. Start a lens on

43. Use a traffic exchange (low quality traffic, but can sometimes be worthwhile).

44. Post free classified ads on any of the sites that allow them with a link to your site.

45. Exchange reciprocal links with other related websites.

46. Network with other people at seminars or other live events.

47. Purchase advertising in popular newsletters or ezines.

48. Get referrals form similar but non-competing sites.

49. Create and sell a product with resell or giveaway rights and include a link to your site in it o others pass it around for you.

50. Email your list. If you don’t have one, get one.

51. Buy a pair of sandals; get your website engraved on the bottom and walk on the beach, stomp in the mud or play in the snow.

You've got enough ideas here to drive literally tons of visitors to your blog or web site! Some of these ideas cost a few bucks, while some are free and really easy to implement, some are slightly complex but the main thing is that you start from somewhere.

Don’t forget to subscribe to
for insightful information. I will give you detailed explanations on how to properly implement these ideas and hundreds of others!

Saturday, September 13, 2008

FEAR: The Greatest Barrier To Success

Fear is a major barrier to success. Most people are being stalled from succeeding online, because they're afraid!

What are they afraid of? FAILURE, REJECTION and the UNKNOWN!

Do you know that Intense desire is the enemy of fear.

The first way to overcome fear is by having a strong desire to do what you're afraid of. If you want to overcome the main barrier to success (fear) then your first step is that you've got to get more fed up than AFRAID!

You've got to have strong desire to succeed online if you are going to overcome the major barrier to success!

You’ve got to want to succeed online more than you're afraid!

The second step to overcoming the barrier to success is that you've got in believe what you're doing so much that you're more afraid NOT to do it, than to do it!

You've got to believe that what you want to do is worth doing and that it will accomplish what you want!

"To overcome fear you must have faith in the outcome."

If you want a good example of how belief helped someone to succeed, then I have a great story for you...

The Invention Of Vaseline

It the late 19th century there was a young chemist named Robert Chesebrough who sold kerosene.

He got his kerosene from the oil of sperm whales, but by 1859 he was put out of business.

In 1859, Robert Chesebrough took off for a Pennsyslvania oil field to "strike it rich." What he came back with made him rich beyond his wildest dreams.

But he didn't become rich from oil!

Oil field workers had told him about this "sticky stuff" that stuck to the drilling rigs. The riggers hated this stuff - it caused the drilling rigs to seize up.

For all the problems this substance caused, the riggers found one small use - when rubbed on a cut or bruise it helped it to heal faster.

He bottled the stuff up and dragged it back to his Brooklyn laboratory.

He began a search to duplicate the petroleum-based lubricant, and by trial and error, followed he was able to extract the key ingredient - the translucent material we now know as petroleum jelly.

But it had to be tested, and tested it was.

He needed a guinea pig to test it out on. But who could he use?

Chesebrough cut his OWN hands and arms, burned himself with flames and acids and each time he would then covered them with his new gel.

ALL the self-inflicted wounds responded to his petroleum jelly and were healed!

Satisfied that his new grease had healing properties, he took to the road with his own medicine show, but first he named his gel.

Using the German word for water (wasser) and the Greek word for oil (elaion) he came up with "Vaseline."

He took it out on the road and would demonstrate it by cutting or burning himself and then applying his vasleine. He also showed his audience the healed scars from past experiments.

Amazingly this worked.

Soon he was selling a jar a minute, and when these ran out people begged their druggists to order more from Chesebrough. It was used for everything: chest colds, chapped hands, nasal congestion, and even to remove stains from furniture.

By the turn of the twenty century it had penetrated the American market and was entering Europe, and Chesebrough had become a very rich man!

Although its miracle properties were eventually debunked, Chesebrough himself was always a true believer.

He lived to age 96, revealing shortly before he died the secret to his longevity: Every day of his life he ate a spoonful of vaseline!

(* Not recommended! DON'T TRY THIS AT HOME! :)

Cheesbrough succeeded because he believed so much in his product/idea that he refused to give up!

Do YOU want to succeed? Do you want to overcome fear -- the major barrier to success? If you do, then you've got to believe in your product or idea so much that you let nothing stop you!

"Put one foot in front of the other." Start taking your two steps towards success today!

Step 1: Get MORE FED UP than AFRAID and take action towards your goals!

Step 2: Believe in what you're doing so much that you're MORE afraid NOT to do it, then to DO it!

Monday, September 1, 2008

How blogging is changing people’s lifestyles

In simple terms, a blog is a website or diary where you can place information of interest, where the reader can post a feedback for everyone else to see. It is a simplified site, which can consist of series of entries and conversations.

Believe it or not blogging is changing the way people live in recent times. Great names like Brian Tracy, Robert Allen, John Chow, Cody Moya, Philomena Ojikutu, Robert Scoble and many others can boast of astounding incomes due to their blogging expertise. These bloggers generate income from their blogs by monetizing it with ads from google adsense, text link ads, smorty etc.
Pick a niche for your blog where you have some significant expertise, but make sure it’s a big enough niche that you can build significant traffic. If your blog provides genuine value, you fully deserve to earn income from it.

Robert scoble for example assists with the running of microsoft’s channel 9 website. Mr. scoble’s personal website; began in year 2000 and now has more than 3.5 million readers every year. Robert Scoble has earned fame in Fortune magazine, fast coy and The Economist for his work on business blogging.

Another is Firefox (the most popular web browser) which was launched exclusively from a blog site. 99 days of its launch, Firefox had been downloaded 25 million times, after 3 months it passed 50 million mark!

Can you imagine this feat was achieved without Firefox’s management spending a single dime on advertising expenditure. WHAO! I’d say that again.

I’m sure you’d be wondering how much in profit they must have raked in. Your guess is as good as mine.
It’s easier to drive traffic to a blog than to a traditional website. Bloggers are more inclined to link to their competitors, and therefore if you write good content you should be able to get coverage much quicker than other internet media businesses. Also, when you get more links from other bloggers you will also get more search engine traffic too.

The time to join the blogging train is now. The barriers to entry are minute, the benefits are great $$$$$$ and it happens to be fun.

To create blogs visit sites like:, wordpress, and a host of others.

Mind you the best kept secrets of blogging are having frequent entries and multiple feedback postings which help in moving your rankings well above other bloggers.
So, don’t get left out, join the blogging train and make money legitimately.

Saturday, August 23, 2008

Do You Really Need Money to Make Money?

The advent of the Internet has changed the economics significantly for starting your own business. Before the 1990’s, to start your own business you needed to spend $1000’s ot more each month on a location, products and marketing. But now, you can put up a thriving business with nothing more than $50/month, a computer, and the same amount of work.

If you could make $50 instead of sitting on the couch watching TV shows before and after your favorite show, would you do it? Would it be worth it to give up a couple hours of re-run television each week to make thousands of dollars?

What can you possibly hope to sell with only $50/month to spend on a product?

Information: Chances are you know more about a particular topic than anyone else you know. That makes you an expert. If you can put your knowledge on a topic into an e-Book, there are possibilities where people will buy it and be very happy with it. If you aren’t currently an expert in anything, you can become one. Learn all about a particular topic, then write an e-Book to teach other people. You’re selling both your newly acquired knowledge and the work you did putting information from different sources into a single location in an easy to digest format.

Note that you don’t need to spend a dime to get to this point. Even if you don’t own a computer, you can do all of this at a library, cybercaf√© or on a friend’s computer.
Once you have your information product ready, all you need is a website to sell it. It doesn’t need to be a fancy website, and you don’t need to worry about how you’ll collect money. There are a number of companies whose single purpose in life is to make it easy for us to sell things on the Internet. They handle the credit cards for you. All you need to do is write up a web page that makes people want to buy your product, then hook it to one of these payment vendors. Your website hosting will cost you no more than $30/month, and your payment vendor will simply take a small cut of every sale you make.

Now you’re spending $30/month, and you need to advertise your product so people know it’s available. You can take the other $20 and use it to buy Google, Yahoo, or some other kind of Internet-based ad. You can spend dollars on advertising in a suitable off-line publication. And, best of all, you can spend $0 and use various cost-free methods to advertise.

Visit article sites and give away valuable tidbits on the topic of your product. Not only will you show people that you know what you’re talking about, you’ll be creating links back to your website for people and search-engines to find.

Let’s say you’ve done all this, and you’re selling your e-Book for $20. Assume that of that, you end up with $15 after your payment vendor takes their cut. Two sales per month cover your website hosting costs completely. Of course, you can see you’re putting in real work and real hours of time on this.

At $15 per sale, you only need to sell 67 copies above your monthly minimums to make $1000. That’s an average of fewer than 6/month. Much of the work is done up front. Once you set things in motion and gotten the ball rolling, it takes a minimal effort to make sure that the money keeps rolling in. Once you reach the maintenance phase on one project, you can begin a new one. Maybe the next e-book will be worth $100? You’ve already paid for web-hosting, too. Do you see where this can lead? Your incremental costs are minimal.

If it doesn’t seem worth it to spent 10-50 hours setting up a business that will only earn $1000-$5000/year, stop and think about this: If you can push the profits from one info-product to $5000/year, then stop and start working on new product while the first one continues to make $5000/year, you’ll quickly be making $10,000/year. Keep doing it and you could quickly be making $50,000/year.

You really need some dough to set up your own internet business.

Friday, August 15, 2008

Is Graphcard Becoming a Let-Down as Africa's dependable Internet Payment Solution?

Graphcard acts as an online payment solution which allows members to convert their Graphcard funds into an online Visa card. This is accomplished by simply purchasing a virtual card using the funds from one’s Graphcard account.

Graphcard then allows the account holder to view card details such as the card number, expiry date and CVV2 code via their secure 128 bit SSL encrypted website. The virtual card does not have personal information such as names and enables Graphcard account holders to shop online as they would with a traditional credit card but with the added benefit of anonymity.

Graphcard members can convert their fund to online Non personalized Visa prepaid debit cards to pay for services online. Graphcard’s claim that it acts as a means of payment for 1/3 (250 million) internet users in over 260 countries who don't have access to traditional credit cards is being marred in recent times by series of criticisms by its subscribers.

Subscriber’s criticisms range from:

  • Referral commissions not being paid

  • Lack of communication whenever major changes are made to their operations e.g. the removal of e-gold from its services

  • Delays in getting credit Cards

  • Login Problems e.g. Firefox users cannot login to Graphcard

  • Funding is a bit of a challenge; especially if you are located in Nigeria. The easiest way is to have someone else with funds in his/her Graphcard account transfer funds to your account

  • Delays in Shipping i.e. late arrival of ordered items, an example was a DVD ordered by one of my referrals for the past 3 months now, this item has not been shipped by Graphcard. I believe if an estimated arrival date is included on their site for goods bulkshiped, it would go a long way to help.

  • The recent removal of e-gold services from their operations is somewhat fool hardy in my own estimation; although e-gold inc. is trying to put its house in order after its indictment (See current News on e-gold Indictment story here). We loyal citizens intending to do businessonline are now left with the option funding our accounts with Wire transfers, Money gram and Western Union, while Cheques are meant for US subscribers only.

The advent of credit cards in Nigeria would have been a welcome development but that is not the case. There are many setbacks associated with credit cards issued by Nigerian Banks.

I do believe Graphcard will take steps to look into all the points mentioned above and make amends if they do not want to lose their loyal subscribers in droves.

Thursday, August 7, 2008

Do You Want to Build your own online business and Make Money?

Building an online business can be a daunting task for a beginner to embark on.

Today most of us who are novice look at the internet as an easy opportunity to make money. A majority of curiosity seekers constantly look for options and opportunities available online to add some additional income to there existing income. Why not, it can be done if you are determined to do it. Many people have already succeeded here with their hard work and determination and now it can be your turn.

I’m sure many would have gone through the rigours of researching, testing which online businesses are genuine or otherwise; but the fact is that there millions of internet opportunities out there with very few regulations in place, leaving many sincere individuals susceptible to fraudsters and swindlers.

Every day that goes by, thousands of people are being recruited as would-be entrepreneurs into businesses that do not hold water. Examples are MLM, Pyramid schemes, Hyips, ponzi, marketing schemes and a host of others.

It is always advisable to establish whether the opportunity is legitimate or a scam before parting with any money. The lure and offers of well built scam sites are so attractive that it is hard to believe that it is not legitimate.

Make it a point of duty to be wary of those sites that make huge income claims, like earn $5,000 in two weeks; they probably don’t live up to their promises. Such claims simply outrageous and if that amount is perhaps fives times your current salary, do you really think it is possible to earn such a huge pay packet in such a short period of time with no experience. This is ridiculous. The only way you can earn such staggering amount of money is to have multiple streams of income, passive income on autopilot and a lot of ways which would be explained as time goes on.

Legitimate online businesses create an avenue for you to earn decent money, and there are several types you can choose from. There are jobs that are ideal for students, retired people, moms and those who are unable to leave there homes for some reason. They also keep you away from the stress you often get in office. You can enjoy the freedom of working at home and at the same time you can earn money that is similar to normal office job.

An online home business is like any normal business, you will need to work hard at building it over a period of time to produce five figure incomes. You can select any of them according to your capability and schedule. However it is best to spend lot of time and effort in searching for a job that will be appropriate for you.

You also need to seek the help of websites, who can help you sort out the grain from the chaf. When you seek the help of such websites, you will need to ensure that they are reliable and have been in this field for number of years. It is also a good idea for you to talk with other people on forums. This would help you get a home based job that is 100% risk free.

Before you start an online business, working at home, try to clarify any of the doubts you may have. Also try to get a better picture of this type of work and the requirements it needs. Take time to look on the Web site to see if there is any contact information, a phone number you can reach, an email address or a Contact icon like an envelope; send a short message expressing your interest in the opportunity and see if you receive a response. Check also to see if there is a physical address on the Web site as this adds credibility to the site.

Look for logos on the Web site of the respectable bodies on the internet like,, the Better Business Bureau (BBB), Alexa Ranking, click on these logos and you should see information about the site. You could also look up the domain on the (previously called Who is) Web site and you will see the registration details, spend time to see if they look legitimate.

For instance you do not want to see a phone number listed as 1234567890. Taking these precautions will help you avoid any chances of failure and being scammed. Though it can take some time to find the right business opportunity, but when you do so, you will reap the proceeds from all your efforts.

Don't be discouraged though. You really can learn how to make money online.