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When you get into an auto accident, the last thing you want to think about is whether or not you have the right car insurance coverage. Shopping for insurance might not sound like a fun way to spend your day, but investing a bit of time now can provide peace of mind when you hit the road.

Types of Auto Insurance Coverage

There are three main types of auto insurance coverage. Liability insurance pays for damages you cause to others and is legally required by your state. The minimum level of protection you must purchase varies, but drivers often decide to purchase more coverage than what is legally required.Collision coverage is an auto insurance policy that pays for damages when you cause an accident and will be required by your lender if you have a car loan. Comprehensive coverage pays for damages when the accident is caused by something besides a collision, such as theft or flooding. This coverage is often bundled with collision insurance and required for drivers with an auto loan.

The need for additional auto insurance coverage depends on where you live, the value of the vehicle you are driving, and your personal financial situation. Some states require personal injury protection and/or uninsured motorist coverage. Gap insurance is typically recommended if you owe more on your vehicle than it is worth. Roadside assistance coverage could be useful if you are a frequent traveler.

Which Car Insurance Company Is Best?

Many people simply choose their car insurance based on the price of coverage, but financial considerations are only fraction of the puzzle. You want to be confident that your insurance company will be available to acknowledge your questions and assist you in filing a claim if needed.

Get auto insurance quotes online to compare prices, then search for information regarding each insurance company you are considering before making your final decision. Recommendations can be helpful when you want to compare car insurance, but sources should be evaluated carefully. A recommendation from a friend or family member may not be accurate, as this provides only one person's plan on a particular company. However, J.D. Power Consumer Center ratings are the result of a comprehensive survey of customer satisfaction, policy prices, claims handling, and insurance options. Local body shops are another fairly reliable source of information on insurance companies, since they must regularly work with claims adjusters in order to get a customer's vehicle repaired.

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Arkansas drivers must carry minimum automobile insurance before they can go on the highways. The department that is responsible for motor vehicles will verify vehicles that are purchased and registered in the state of Arkansas. They will attempt to verify the auto insurance of the vehicle and see if it meets the minimum requirement of Arkansas law. Arkansas requires all residents to carry auto liability insurance including bodily injury, all injuries and property damage insurance. The minimum requirement for bodily injury insurance is $25,000. The liability insurance requirement for all persons involved in the accident is $50,000. The property injure liability insurance is $25,000.

If you are driving a rental car, you also must make sure that it is covered with car insurance. Many credit card companies offer rental car insurance. You can call and check with your credit card company to see if they offer insurance for your rental car. The state of Arkansas requires drivers without auto coverage from credit card companies to carry the rental agreement from the rental company. The rental agreement should specify information about the auto insurance coverage for the rental cars.

In Arkansas, drivers are not required to purchase the uninsured or underinsured motorist coverage. Although uninsured/underinsured motorist coverage is not required, the state of Arkansas recommends drivers to purchase them. Many motorists that travel on the highway are uninsured. There are also a gigantic number of drivers that are underinsured in Arkansas. To prevent the financial disaster, you should secure an uninsured/underinsured coverage from the local insurance company.

The state of Arkansas permits exclusion of insurance coverage for family members that share the same car under one household. The auto insurance company can exclude a person from the household from the auto insurance coverage. This type of coverage is called household or family exclusion coverage.

Drivers must insure their vehicles at all times. If the auto insurance coverage has expired, you must fleet renew it otherwise the officials will suspend your driving license. Most auto insurance companies in Arkansas evaluate the risk of policy buyers by checking the personal credit history. The personal credit history is not the only factor that the auto insurance company used to determine the rate. When you receive the insurance quote, you will be informed about other factors that influence the rate.

Arkansas is not a no fault state. Instead, it is a Tort state. Due to this fact, the person who causes the accident will pay for the damage cost. Therefore, companies in Arkansas suggest drivers to buy a higher automobile insurance coverage.

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Good news for California insured drivers the Insurance Commissioner John Garamendai announced a $30 Million Settlement with Allstate Insurance, that effects 250,000 policy holders, that could qualify for return on premium or credits of future premium bills. This was the result of an investigation that resolved issues, and number of practices of Allstate, between January 1, 2000 – April 12, 2002 effecting some auto insurance policies. Allstate has telephone, for policyholders can call, to bag further information: 1 – 800 – 351-0646.�

California insurance motorist are only required to have a minimum amount of coverage, that includes $15,000 for death or injury to one person, any one accident, $30,000 for all persons in anyone one accident, and $5,000 for property damage, for any one accident. Not required by the station of California include comprehensive coverage, uninsured motorist, medical payment, and collision insurance.�

A pilot program that is available for California Drivers to purchase low cost car insurance. The California Uncouth Cost Automobile Insurance Program (CLACK), satisfies the requirements of the state’s auto insurance requirements. The insurance policy is based on a driver’s household income, driving record, and vehicle purchased value.

California Proposition 103, enacted into law in November 1988, qualifies a Good Driver to get car insurance from any insurance company, and is entitled to get 20 percent reduction in car insurance, compared to a non-Good Driver. A Good Driver must be a California driver licensed for three consecutive years, and have no points on driving record. Also, any major driving violations including Driving Under the Influence, could remove the Top-notch Driver rating. Under Proposition 103, car insurance companies essential factor to calculate insurance rate, must consider operator’s driving safety record, number of miles driven annually, and years of driving experience. Other considerations include, if the vehicle is stored in garage and has security features. Despite the positive aspects for lower insurance rates with proposition 103, drivers should be aware that lower minimum coverage may not be sufficient, to veil any additional liabilities, which the driver would be responsible for out of pocket cost. Additional liability insurance should be considered or purchasing an umbrella policy that would mask most cost of liabilities, above the car insurance policy, and cover any other liabilities. An average umbrella policy provides one million dollars coverage for liabilities, and cost between two to three hundred dollars, a year.

Always recommended to contact several insurance companies or brokers to compare auto insurance rates. Each company calculates their own rate policy, which is partially based upon their own past losses, and expenses. Through your local telephone directory or Internet can provide names, and telephone numbers. Spending some time on the phone, answering questions, can conveniently collect price quotes, and save money to get the best rate.

When speaking to a car insurance company, ask if there is any discounts, getting credit for extra driving courses or lectures, having more the one car insured, adding any additional security features to the car, and limiting your driving mileage to and from work only. Inform the insurance agent if you work at home, and if you can pay the premium in one payment per year, rather then in installments, to get a lower premium. Ask if you can compose payment by a credit card, because the amount will be billed to you on your next month’s credit card statement, and you maybe entitled to points on the credit card, based on the type of credit card.

When deciding upon a car insurance company, check with the Consumer Complaint Glance (CCS) that is published by California Department of Insurance. This will benefit consumers on car insurance companies based upon justified complaint search for (composite ratio), company performance, and comparison data study. For example, in 2003, the number one rated car insurance company was The Swansea Mutual Insurance Company, that had justified complaint ratio zero, and Number of justified complaints zero.

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Many people believe that having an accident case is like winning the lottery. Unfortunately, this is not true. In fact, most accident cases are either settled for what insurance companies call “nuisance value”, or are dismissed by the courts.

Contrary to common belief, motor vehicle accident cases are the most difficult types of cases from which you can recover compensation. This is because of the Unusual York State No-Fault Threshold requirements that must be met.

In a nutshell in order to gain a lawsuit or action for personal injuries against another party in New York you must keep a “serious injury”.

Serious injury is defined in the Insurance Law of Novel York in Allotment 5102 as one of the following: “Serious injury” means a personal injury which results in death; dismemberment; principal disfigurement; a fracture; loss of a fetus; permanent loss of use of a body organ, member, function or system; permanent consequential limitation of use of a body organ or member; significant limitation of use of a body function or system; or a medically determined injury that prevents the injured person from performing substantially all of the material acts which constitute such person’s usual and customary daily activities for not less than ninety days during the one hundred and eighty days immediately following the occurrence of the injury or impairment.

There is so remarkable case law in Unique York that discusses what type of injuries would qualify under the threshold requirements, so much so that it is beyond the scope of this article. Personal injury attorneys, defense attorneys and the Courts rely on these cases to evaluate an individual motor vehicle accident case and to see whether the particular injuries sustained by the victim would fit under the definition of “serious injury”.

It is important to point out that overcoming the threshold requirements initially gets your case before a jury and to survive a summary dismissal of your lawsuit. It does not guarantee that the six jurors will occupy your story or your doctors. It also does not guarantee that you will receive tons of money for your injuries. Once your case gets to a jury, the jury will determine whether you have met the threshold requirements, and only then will they make an award which amount is solely in their discretion.

Lastly, it should be noted that this threshold requirement only applies to motor vehicle accident cases. It does not apply to the following: motorcycle accidents, any type of premises liability accidents i.e. trip, slip and falls.

In sum, having an accident does not automatically mean that you will recover anything let alone win the lottery. There is never a guarantee in these types of cases. Each case is different and evaluated on its own merits.

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WORK FROM HOME, NO INVESTMENT REQUIRED!

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INTRODUCTION

Do you want to work from home? Marvelous! I am going to tell you how to do it, no money involved, no commitments of any sort. I don’t even need to get an email from you to say you are interested! You will need a bank epic ( or someone else’s bank account, by their permission of course!), access to a computer with internet, an email address, and willpower!

If you have a little time to spare, let me take you by the hand and show you how to make some money right here, just now. If not, copy down this website address and come back later on when you have a little more time. You could also print this whole thing out and then read through it in between the water fights, dirty diapers, and dishes. Hey, put it under the cabinet in the bathroom, use it for reading materials during those very few moments of peace (if you’re lucky that is!).

If you don’t have time suitable now, no problem. I would advise that you select and copy this whole article, then paste it into a WordPad document and save it to your computer. You can reach back to it later on that way on your own time, without worry of finding this exact website in the future.

I am here today to spread the word, to help out all you ladies out there (and men, too) who want to do just like me! I am not hired by anyone to do this, its honest me and my outdated home computer, typing away as the kids play hide and seek under my feet and whack each other off the bed leisurely me. Oh yeah, lots of fun. And if you are laughing right now, then you relate!

WHAT CAN SOMEONE LEARN FROM THIS ARTICLE?

This is a very long article, so please bear with me. But once you get through this not only will you know how to do money from home, but you will be able to start doing it IMMEDIATELY! You will not become a millionaire, not by any means. Well, I take that assist, I guess that some miracle of some sort could happen where you find this amazing niche and start racking in the moo-lah. If so, hey, message me and let me celebrate with you! But seriously, if you want to manufacture a little money to supplement your family, especially in these hard economic times, then I am giving you all the information you need to do so!

I am going to issue you about five different programs that I know for a fact, from personal experience, will earn you money. The earning potentials are “supposedly” unlimited, but really, its more to do with how much or how little time you have.

Here are the five ways: (and I will take you by the hand to tell you how to do each one TODAY!)

1) Article Writing

2) Hand-Made Items and Services

3) Auctions

4) Ebay Sales (and related sales sites)

5) Mystery Shopping

What I will share with you in each of these five categories barely scratches the surface. I am only going to talk about what I know personally, from my possess experiences. What I tell you is proven because I have done it, time and time again. Oh I have hit some chug holes along the way, for certain, and I’m not even going to start on those. Once you get your feet wet you may find other opportunities too!

WARNING! DO NOT PAY A PENNY TO ANYONE TO LEARN HOW TO WORK FROM HOME!!!

By the design, don’t bother with those things called paid surveys, paid emails, or get paid to gawk at advertisements. You’ll spin your wheels for months and yet never collect enough money for one ten dollar check! Oh, and NEVER PAY ANYBODY ANYTHING FOR ANY WORK-FROM -HOME stuff. Don’t even waste your time with any “informational seminars” because all they are going to do is sell you software or some sort of sales gimmick with no guarantees, and you are on your beget anyways. More than likely THEY are the ones who are “working from home”, taking your money and then giving you the exact same information that I am giving you. The difference is that mine is FREE (haha….. aw, golly gee whiz, am I taking away money from the scam artists? Well, isn’t that a shame!).

So, without further delay, lets begin the instructions!!!

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CONTENTS

PRELIMINARY SETUPS (of vital importance!)

ARTICLE WRITING

HAND-MADE ITEMS AND SERVICES

AUCTIONS

E-BAY SALES (AND RELATED SALES SITES)

MYSTERY SHOPPING

(Impartial scroll down through the article to the section you wish to see.)

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PRELIMINARY SETUPS…..

There are a few things that you will need for all four of these opportunities. Lets get them all taken care of first and foremost.

1) You will need to have some sort of paper to write on, or at least something that will keep expedient records. If that reliable source is as a note on your cell phone, as a stick um on the bathroom mirror, or whatever, as long as it works then go for it! It is distinguished to have this note-taking item beside you, because you will need to write down websites, passwords, user names, URL’s, and so forth. If you lose this information, its really hard to recover it!

2) You will need an email account. If you don’t already have one, go to yahoo.com and notice up for a free one. Do NOT pay for their “premium” service. Its not significant! WRITE DOWN YOUR NEW EMAIL ADDRESS AND PASSWORD! And in actuality, even if you already have another email account, I suggest setting up a yahoo one because it is free, it has nothing to do with your personal internet subscriptions, you can check it anywhere, people worldwide recognize yahoo, it is easy to employ, and you can use it exclusively for business purposes if you like for easy records keeping.

3) Gather your banking information. If you are using somebody else;s account, you will need to get a blank check from them, their chronicle number, and of course their permission. Beget SURE that you communicate thoroughly with them that they may be receiving money into their account on your behalf. If you are using your own account, bring to the computer a blank check and the name, address, and phone number of your banking institution.

4) SET UP A PAYPAL ACCOUNT

Paypal is an online bank, basically. It is a go between for you and your affiliate marketing company. Paypal gives you a debit card, which you can either utilize at a store or anywhere that cards are taken, or you can use in any ATM and pull out cash. Paypal has numerous safety features in place to keep thieves from hacking into your account and stealing your money too! If you haven’t heard of paypal, let me tell you, I Treasure it! I have been with Paypal since 2005. I have had no worries whatsoever. They also have a live person wait on team that is so nice, courteous, and VERY thorough, even better than my local bank to be impartial. Most affiliate marketing companies will want to pay you with paypal because it is so much easier than a paper check, its immediate to them AND immediate to you, and its got great immediate records keeping for you and for them. You can also use paypal to accept payments from your own customers like for sales and stuff. Paypal is also used by other companies, but I will get to that later.

Anyways, if you don’t have an account with them, here is a link to set one up:

https://www.paypal.com/us/mrb/pal=YQCHRWWRJKH8E

When you go to this website, it is going to say something about being able to accept credit cards. Just disregard that, because at this point it doesn’t apply to you anyways. Maybe if you get to be a big whig online business person, it will, but for now its not important. Scroll down and hit “Sign up today”

On the next screen, you will have three options. The first is a “personal” account, the second is a “premier”, and the third is a “business” account. Imprint up for the “Premier” account. The premier paypal fable will give you a free debit card, and will allow you to receive money for your “services rendered”, which is what the affiliate marketing calls your advertising efforts. You will also need this to receive payments from article writing, customers on ebay, and other sources. Hit the “Premier Memoir” button.

On the next screen, you will be asked for personal information, as in any develop. It will also ask you for your banking account information. You can utilize somebody else’s legend if you want to, but make sure you have permission AND they understand that you will might be getting money deposited to their bank account as you are working. Paypal asks for your banking information because you can have money transferred from paypal to your bank. Also, if you buy something on ebay using paypal and you don’t have enough money in your paypal account, you can request that paypal take the remaining money out of the bank account. But in any case, paypal wants a bank account of some sort attached to your account.

Some people like to place up a bank account for the purpose of paypal. Some banks, especially those in large metro areas, know all about paypal and will set you up with a checking account for free vivid that it is only for paypal.

Finally, make sure that you get your account verified. This will be accomplished by paypal sending to your bank account a deposit of between one cent and one dollar. Once this deposit shows up in your bank account, you will be asked to log back in and enter these amounts, after which you will be verified. It is very important to be verified because without it, paypal may impose a limit to how much money you can manufacture or how much money you can withdraw, or both.

Once you finish entering in all the information WRITE DOWN YOUR USER NAME AND PASSWORD!!! These are of necessary importance!

5) Dwelling up a free website. This is not an “absolute” step, but when it comes to affiliate marketing, it gives you a scapegoat to get around some of the blogging dwelling rules and regulations. I’ll explain that portion later on.

I have a website that is totally free. I plot it up about a year and a half ago to market my Native American beadwork. The company I use is at http://www.tripod.lycos.com. If you want to status up the website, you can use it for whatever you want. Take the free option though. The only disagreement between the free version and the $4.95 a month version is the ads banner at the top of the webpage. Which right now, it really doesn’t make any disagreement anyways. I have never had any trouble with tripod and its always genuine. I advise that you go through the help or tutorials to aid you navigate all the bells and whistles. Be sure you can devote an hour or so to at least familiarize yourself with their website.

NOW THAT WE HAVE THE PRELIMINARIES OUT OF THE WAY, LETS GET STARTED ON THE JUICY STUFF!

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1. ARTICLE WRITING

You may have heard of freelance writers, bloggers, blurb writers, search engine optimization articles, or any number of types of writing. In fact, more than likely you have seen job listings asking for writers of this sort. Sometimes the jobs are real, sometimes they are not.

The fact is, there really is a market out there for good article writing. And, although there are a host of different types of writing that can be performed, in my experience the most commonly requested type of work is SEO articles. These are “search engine optimization” articles. They are written similar to a high school report, where you derive information on a given topic and then reword it in your own words without plagiarizing.

The goal of these articles is to develop the search engines recognize the article first above all of the others.

For example, lets say that you type in the phrase “auto insurance in Denver” into the search bar. Your search results will show a whole list of who knows how many websites. The first websites listed will be the ones which contain the exact phrase “auto insurance in Denver”, followed by the most popular websites which contain any of the words in any random order. So, naturally, since websites with real phrases are shown first, it stands to reason that webmasters would want their website to hold key phrases. That is where search engine optimization comes in. You, the author, write an article about auto insurance, and then here and there in the article you will write “auto insurance in Denver” so that it sounds like it is naturally occurring in the text.

I have worked for a wonderful company for the last two years, found at:

http://textbroker.com

This company has work for you to do every day. It is at your absorb pace, on your own time, no strings attached. Once you sign up with them, which is totally free by the way, they will ask you to write for them a small sample article on some topic of some sort. After you submit this article, they will give you a rating. Remember, it is absolutely, positively imperative that you watch your spelling and grammar! Mistakes can mean the difference between acceptance into the company as a writer and denial! Once you receive an email saying you are approved, WRITE DOWN YOUR USER NAME AND PASSWORD!!!

Textbroker pays monthly, and via paypal, which is why having a paypal account is so important. They have paid me on time every single month and in the exact amount I had earned. I am able to spy how much money I have earned on any given day or at any time. I can accept jobs anytime I want on topics I want to write about. I can even change my mind if I accept an article and I can’t do it or I don’t want to do it for any given reason. It is the ultimate, perfect work-from-home job, because there is nothing to sell, no investment at all, no worries about getting paid, and reliable steady income.

I suggest that you sign up with them if you want to be able to do immediate, regular income. In any given day and in my spare time I can make $40 easy. In one day, my max earnings with textbroker has been $250. Once you find to their website, look around and learn all about them. You will not regret signing up with them!

Nobody will tell you this next tip, so take careful notes. I want to tell you how easy it is to get started writing informational articles for the web, and textbroker is the place to get your feet wet!

1. Article writing is basically nothing more than a paid version of the high-school book recount. Technically speaking, we are all supposed to know everything about everything when we write an article, but in reality, most of us know jack squat. True? So rather than beating yourself up about how mighty, or how petite, you know, all you have to do is fetch a website that is similar to what you are writing about, and reword or rephrase the content therein. Now, this does not by any means give you the just to plagiarize, and let me make this very clear. Plagiarism is the same thing as copying, and it is against the law. Rewording or rephrasing, on the other hand, means that you read a block of text and then paraphrase it in your contain way or your own words.

When you rewrite or rephrase a block of text, there are four general rules to work with:

1) At a minimum, every fourth word must be different from the original text. For example, if an original sentence says, “I love to eat cheesecake and strawberries for breakfast on Sundays,” you could rewrite it so say, “I love to CONSUME cheesecake and strawberries DURING breakfast on Sundays.”

2) Use acronyms as much as possible. In the above example, I replaced EAT in the novel text with CONSUME. Using acronyms allows you to sustain the overall meaning of the original text while complying with copyright regulations.

3) When the original text contains a list of items, rewrite them in reverse order. For example, if an modern sentence states, “I have a dog, a cat, and a fish in my home,” you could rewrite it to say “I have a fish, a cat, and a dog in my home.”

4) It is better to add words than to take them away. For example, if an original sentence says, “I like to eat cheese,” you could add words and make the new text say, “I am very fond of eating cheese.” You have retained the same meaning, added extra fluffy words, and avoided plagiarizing.

As you begin your work through textbroker, or any other writing brokerage firm for that matter, you will want to stick to these rules as closely as possible until you get a handle on things. In many cases, you will find yourself writing articles on subjects that you have absolutely no clue about personally. By sticking to these rules you avoid looking like a complete idiot, publishing inaccurate information, and losing income when articles are rejected.

A fifth rule, which is really more of a suggestion than an etched-in-stone law, is the practice of paraphrasing. Paraphrasing is sometimes difficult for the beginner, especially if he or she is nervous or under pressure. Paraphrasing techniques involve rewording the original text so that all of the unusual meaning is retained, every fourth word is different, all lists of items are reversed or in a different order, and acronyms are frail as grand as possible. As time goes by, and as the writer gains experience, it will become second nature to automatically paraphrase any block of text regardless of the subject matter.

Let me give you an example of a job from textbroker. We are going to use the KEY PHRASE three times, as well as all of the rules of writing.

Topic: Cod Liver Oil

The customer requests a general subject, 200 word article about Cod Liver Oil for an online health food clearinghouse. The customer requests that you include the key phrase three to five times within the text.

You now will open a second internet explorer browser page and type in “Cod Liver Oil” in parenthesis. Scroll through the lists of results for a website that talks about cod liver oil. You will want one that discusses the product in general, since this is the type of article the customer requests. FYI, Wikipedia is a Vast source of information.

Once you find a general discussion of cod liver oil, begin to rewrite the original text according to our rules and guidelines above.

Lets pretend that the original issue reads as follows:

“Cod liver oil is a nutritional supplement derived from liver of cod fish. It has high levels of the omega-3 fatty acids, EPA and DHA, and very high levels of vitamin A, and vitamin D. It is widely taken to ease the symptoms of arthritis as well as other health benefits. It was once commonly given to children.”

You now reword/rewrite/paraphrase this original block of text, resulting in the following new text:

“Cod liver oil, which is a common nutritional supplement, is derived from the liver of the cod fish. The oil contains a high level of DHA and EPA, which are omega-3 fatty acids, and exceptionally high levels of vitamin D and vitamin A. It is often taken in order to ease the discomforting symptoms of arthritis or to provide other health benefits. Cod liver oil was once given to children as a daily health regimen.”

If you would like some advice on how to get started in article writing, please feel free to email me!

Wait, I told you a lie, I have another tip to share with you.. And that tip is Cessation WORDS! When you are writing an article, the key phrase or key words may be a bit difficult to work with, or they not sound honest right in an every-day sentence. Halt words are words that the search engines will not recognize, so you can stir them in anywhere you like in the key phrase and still get noticed. For example, lets say your key phrase is “Furniture Upholstery Dallas”. Well gee, how are you supposed to use THAT without a little help? Stop words, of course! You could use the stop word “in”, and make the phrase say “Furniture Upholstery in Dallas”. That is much better to work with, isn’t it?

A full list of the stop words for SEO optimization can be found in my other article here:

http://www.associatedcontent.com/article/1210568/seo_stop_words_list_extensive.html? cat=2

Now, I am sure there are other companies out there that are similar to textbroker. But, since this article covers only what I know from my personal experience, I cannot speak for those other companies.

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2. AUCTIONS

Virtually every area of the United States has an auction house within any given 50 mile radius. Some are ran by individuals, while others are widely advertised. Most people know that you can find great deals at auctions. But did you know that you can quickly and easily make money at them too? And, you can collect all the free stuff you want to sell at them too! No going through your own attic or storage sheds. No shelling out cash for items you think (or hope) will turn a profit!

Here is how to score all the free stuff you could ever wish for to sell at the auction!

First, make some signs that say something like this:

” Do you have unwanted “stuff”? Did you have a yard sale and aloof have left overs that you’d rather throw away or give away than to look at? Give me a call! I will take all of your unwanted stuff off of your hands for free!” (add your contact information)

Post these ads anywhere that you think locals will see it: the convenience stores, grocery stores, etc. When someone calls, they will tell you that they have X amount of stuff to get rid of . You set up a mutually convenient time to bewitch it up. Now all you have to do is go and get it! You never know what you will find! In fact, sometimes people get rid of priceless artifacts without even knowing it, which is where ebay comes into the picture as well!

If you like, you can drive straight from the donator’s house to the local auction and sell it on the spot. Or, you can remove it home and go through it, searching for any treasures. I have done this a few times, and I found some heirloom china pieces that (no joke) got me $50 for one tiny little saucer on ebay!

Auction houses usually work on a commission basis. They will sell off whatever you bring, even descend apart junk! Most of them will pay you cash by the end of the auction, while others may wish to pay you the following week. In any case, this is free money, and the only work you had to do was go collect the stuff to sell!

Some auction houses will leave unsold items sitting outside for whomever wants them. So check in your local area to see what auctions exist, what policies are in place, and so forth.

Another huge diagram to find stuff to sell is through craigslist. Take a look at the “free” listings for your area. I don’t know about you, but around here there will be ads by people saying they are giving away working appliances, good furniture, all sorts of things. Many times the ads will say that the item is sitting on the curb at such-and-so address, and will be there on such-and-so day, for anyone to come and get it at their convenience. This is an awesome blueprint to get yourself some free money! Just take a ogle at what is listed and follow the money road!!!

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3. HAND-MADE ITEMS AND SERVICES

Everybody knows how to do SOMETHING. Some people sew, others repair cars, and some like to write articles for the internet (although I wouldn’t have the slightest clue who those people could be… heehee).

No matter what you do, or what you acquire, you can rest assured that somebody out there wants to lift it. I like to play with beads and make beautiful jewelry. I can either sell it in online venues, or I can take it to local consignment shops. Sometimes people even call me and place custom orders!

If you live anywhere reach a business where men work, such as a factory, refinery, bank, car dealership, etc., I want you to know, on any given day there will be some hungry men there. A lot of men fail to bring sack lunches with them to work, or maybe they don’t want to! No matter if you are a man or a woman, if you hold them ready-made sandwiches somebody will buy them. Begin out slow at first, build up your reputation. Before you know it, you can make more money in one day than you would at a minimum wage job, or more! Now I don’t know about the food laws across the country, but here in Oklahoma, if you are just making a few cold cuts sandwiches in your fill kitchen you don’t have to have a food handler’s license. At least, that is what a fine friend of mine tells me, who does this sort of thing for a living every day.

I know of a gentleman who lives down the highway from me, he is making all-wood furniture. He makes some heavenly things too! He is selling left and right, he can’t keep up with the orders!

What about services? What is that all about?

Services is anything you can do that provides someone with a service rather than an item, such as babysitting, cleaning, delivery services, and so forth. I can verbalize you, there are lots of people out there that need services every day, you only need to make your name known and the jobs will start rolling in. Take a proactive approach to your employment. Make some fliers, even hand written ones, for the service you want to provide. You can even do typing services from home by advertising yourself as a person who can type up resumes or term papers.

You can put out notices AND contact real-estate agencies about providing cleaning services. With the housing slump lately, you will find lots of houses that need to be cleaned out. Letting land lords know that you are available for these services in apartment complexes or your home town will reward you with regular work as well. You may also offer to remove all the left over furniture or junk, charge them a small fee, then take all the items that you remove to the auction and get paid again for the same job!

Get creative on the services industry, and for goodness sake, do not honest sit back and say “Oh, woe is me” if you lose your job. There is work out there, you just need to go acquire it! And I don’t for that to sound in any way derogatory, I mean only to utter to you that the work will come if you make your name known for whatever type of work you are willing to do.

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4. EBAY

Ebay is the ULTIMATE place to sell things AND have security that your rights are preserved! Virtually everyone has something that they could sell. And, the old-fashioned saying that one man’s trash is another man’s treasure is never so true as it is on ebay. You can literally find anything that you can think of on ebay for sale at pretty much any given time.

I mentioned earlier in the Auctions section about getting unwanted stuff from leftover, unsold auction items. Would you believe this…. I found some Royal Doulton gold-rimmed china in amazing condition, just sitting outside in a cardboard box along with all the other discarded junk. I grabbed those up for definite! I brought them home, took pictures, and posted them to ebay. By the close of my auctions, I had made $75 from those unwanted dishes. How’s that for a profit!

Not only can you sell things directly on ebay, but you can also buy things that you can either resell locally for a higher price OR resell right back onto ebay or onto other sales websites. Often you can acquire wholesale lot auctions of all sorts of things on ebay, giving you substantial savings! I remember one time I saw a listing for 150 of these little ceramic babies, which I had noticed were being sold locally for about $2.99 each.

These were sophisticated baby announcements, you witness, and the runt babies inside were either made to be worn as necklaces, to be used as tree ornaments, to be worn as a clasp pin, or to be carried as a worry stone. The person selling all 150 had the brand set at $10 for all of them, and just barely enough postage to mail them all out! Well, hold you me, I grabbed onto them. When they arrived, I took them right down to our local store where they were being sold, spoke to the manager, and unloaded them all for $50. They were absolutely thrilled with this price, as you can imagine, since they could earn a substantial profit at their asking price. I made a $40 profit myself, so it was a true win-win arrangement!

I also originate beadwork jewelry, and have done so for 21 years or so now. I sell the things I make on ebay all the time. And, because of my many years of repeated quality, customer service, and responsible way of doing business, I have numerous show customers who resolve to contact me directly to situation orders for special occasions or for customized gifts for others.

If you make anything at all, you can also sell these items on ebay. Or, perhaps instead of making something and then hoping it sells, you could place a listing on ebay that says something like “custom design your contain ——”, then let the customer tell you what they want and make or build it based on their specifications. Customers love this idea because they can truly get what they are looking for. You will love this idea because you will know that your item is already sold even before you make it!

The kindly news about ebay is that they have certain protections in place for sellers. If somebody tries to scam you out of money or lie about the condition of your items, ebay has a seller’s negotiation option where an unbiased person will review your case and usually decide in your favor. Also, if you determine to allow people to pay you with paypal for your items, paypal also has a protection for sellers except theirs is a bit better and quicker AND seems to be more in favor of sellers than buyers.

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WANT TO SIGN UP FOR EBAY?

Signing up as a buyer and/or seller on ebay is really quite simple. It is only a matter of following the prompts and entering your information. Ebay has this fabulous program called “live help” too, which can connect you with someone who knows all about ebay and can help you at anytime day or night.

So, to sign up for ebay go to this website:

http://ebay.com

At the top left hand corner it will say something like “Sign in or Register”. Click on Register, and begin the registration process. Once you have a user name and password, write down this information in your notebook!!!

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ANOTHER WAY TO MAKE MONEY WITH EBAY

You may have heard of drop-shipping companies, such as SMC. These companies take orders on your behalf and then ship items directly to your customers with your name on them. There are a number of different descend shipping companies that deal in any number of items. I personally have never worked with any of these sort of companies, but I have been a customer of them. Some are colossal, some are not, and some will send you terrible stuff. I cannot give you advice as to whether or not to follow that avenue, because I have not done it myself. It is, however a lucrative way to build money without any overhead or extensive paperwork.

Finally, one way that I do know works well is to serve as a sales go-between for people who want to sell their things on ebay and people who want to buy things on ebay. You can either set up a store to do this or do it from your home with local advertising for your services. Basically what you do is hold people’s stuff, list it on ebay for them, and if it sells you get a commission of the sales trace. Customers always pay you up front for your listing fees so you are never out of pocket. The go-between store will package and ship out the item on the behalf of the unusual customer. If you do this from home, you can take off part of your electric, your internet service, your phone service, and maybe even use of one of your vehicles as business expenses! I have not personally ran a store like this, although I have helped family and friends to sell things on ebay. And also, before I got started with ebay myself, I did go to one of these stores and had them aid as the go between for me. It was a very good experience! I got paid fairly, all my fees and potential earnings were disclosed up front. The people who ran the store sold EVERYTHING!

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OTHER SITES TO SELL THINGS

Craigslist.org is a great place to unload things that can’t be shipped, that you don’t want to ship, or that you want to do business with locally. Craigslist is totally free to anyone. You can sell anything you like, and even give things away for free if you like, even unexpected puppies or kittens or whatever! And if you will recall, I mentioned placing ads in craigslist for affiliate marketing. Craigslist does have some safeguards in place to prevent direct affiliate marketing, which is why you will need to follow the exact directions I listed under affiliate marketing if you want to get around these barriers. Craigslist does not charge a single penny for anyone to list something for sale, although they do ask that you not place the exact same ad twice within a three day period. You do not have to create an account with craigslist in order to sell things there. Instead, you will receive a confirmation email to whatever email address you provide them, which you must click on to activate any ads. You can choose to list your contact information in the ad or remain anonymous. Customers who wish to contact you can email through craigslist, then craigslist will forward the message to you without revealing to anyone your personal information. I have sold an RV camper on craigslist within only three days for cash, a car on craigslist in only a week also for cash, and I found a mammoth full set XBOX with games for my son for about a tenth of the new price! Craigslist does not accept any liability for ads that are placed or any transaction that occurs between anyone, so with them, you are on your gain. But, at the same time, since you are dealing with people locally its more personal and less likely to be ripped off by some scam artist.

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Amazon.com is a place to sell unwanted books of any sort or subject matter. Of course, you can sell these on ebay too, but amazon is known for literature sales. Amazon charges a petite fee per item sold. Their sales procedures are self-explanatory. I have sold a few items through amazon and had a wonderful experience doing so.

Etsy.com is a location for selling jewelry. I personally have not sold on etsy, although I have a friend to sells there exclusively. Their fees are lower than ebay and they tend to cater to a more designer type marketplace. My friend has given me nothing but good reviews of etsy, and has tried to convince me to switch to them on a number of occasions. I think I am married to ebay, though! (haha)

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6. MYSTERY SHOPPING

Let me warn you, never, never, NEVER pay anyone a single penny to inaugurate mystery shopping! All you will get for your hard earned cash is a list of “potential” mystery shopping companies with no guarantees for a job!

I know exactly where to accept a HUGE list of honest to goodness, real mystery shopping companies! And, that website can be found at volition.com. It is absolutely free to mark up for any of the companies and to see them all. Signing up does take time, however, as you have to go through the process for each one. Most of them will want you to be signed up with paypal to receive your payments. Since you have already done that, you are good to go there!

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WHAT EXACTLY IS MYSTERY SHOPPING?

Mystery shopping is another term for private eye, but in the terms of shopping at a store or doing business at a given location. You, as a mystery shopper, are hired to go to a specific region and earn observations such as how customers are treated, if the store is clean, if the products are well stocked, and so forth. You must pretend to always be a normal, every day customer. Once you get back home, you write a report about your experiences for the assigning company and then you will get paid for your time and efforts!

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WHAT TYPE OF JOBS ARE AVAILABLE?

Virtually any store or business of any notable size at all uses mystery shopping services. Anything from banks to restaurants, amusement parks, automotive services, stores selling ANYTHING, and so forth are potential candidates. I have gotten free amusement park tickets, free oil changes, free gas, free food (even expensive dinners at posh restaurants), spa treatments such as facials and massages, and even free electronics! Some jobs will require you to make a small purchase as if you were a regular customer, which is usually reimbursed along with additional pay. Some jobs are strictly for pay, such as if you are making an audit of a restaurant.

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WHAT IS THE BEST MYSTERY SHOPPING COMPANY?

I have worked for a number of different companies. And, out of them all, I can honestly say that one company stands out above the rest, and that is Shoppers Inc. out of Broken Arrow, Oklahoma. They have always been on time with payments for me, I have never had to question their methods or ask for more detailed instructions, and I can always approach a personal representative who knows me on a first name basis.

They have jobs in every spot in the United States for a variety of different jobs!

Here is the link to their website so you can read all about them!

http://www.shopperjobs.com

Here is a direct link to sign up with them as a shopper:

https://www.sassieshop.com/sassie/SassieShopperSignup/Signup.php? EmsID=myrB8l%2FCMJY%3D

AND FINALLY…….

Now that I have empowered you to go out there and grab your piece of the internet money pie, perhaps you can return the favor in a slight device? Would you please send an email to this address:

Kathy@ShopperComments.com

Tell her who you are, that you unprejudiced signed up as a shopper, and that shopper number 10558 referred you.

Thank you for helping out a fellow at-home worker, and good luck to all of you out there!!!

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