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	<title>Money Making Schemes - Genuine Ways Of Making Money Online &#187; Small Business</title>
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	<description>Making real money online with genuine schemes, learn how to make money online</description>
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		<title>Small Business And The Credit Crunch (UK Edition)</title>
		<link>http://www.moneyschemes.net/small-business-and-the-credit-crunch-uk-edition/</link>
		<comments>http://www.moneyschemes.net/small-business-and-the-credit-crunch-uk-edition/#comments</comments>
		<pubDate>Wed, 05 Aug 2009 08:08:23 +0000</pubDate>
		<dc:creator>Paul B</dc:creator>
				<category><![CDATA[Small Business]]></category>

		<guid isPermaLink="false">http://www.moneyschemes.net/?p=724</guid>
		<description><![CDATA[So that was it then? The worst recession in modern times is over quick as a flash and now all seems to be honky dory again. Certainly in the UK we are hearing reports of month on month house price rises and that &#8220;money is beginning to flow&#8221; again. What I don&#8217;t understand is why [...]<p></p>
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			<content:encoded><![CDATA[<p>So that was it then?  The worst recession in modern times is over quick as a flash and now all seems to be honky dory again.  Certainly in the UK we are hearing reports of month on month house price rises and that &#8220;money is beginning to flow&#8221; again.  What I don&#8217;t understand is why people consider this a good thing?  Isn&#8217;t over inflated house prices and the &#8220;money flowing&#8221; the whole reason why things took a turn for the worse?<br />
<span id="more-724"></span><br />
Perhaps most puzzling to me is the matter of small businesses.  My understanding is a little like this:-</p>
<p>1.  Banks are run on bonus culture &#8211; encouraging irresponsible lending<br />
2.  Banks lend out more money than people/businesses can afford<br />
3.  People/businesses can&#8217;t afford to pay back what they borrow<br />
4.  Banks right off debt, huge shit storm ensues</p>
<p>Because of this the banks have been told that they must now be much stricter with their lending.  But but but&#8230;on the other hand they are being told that they must increase their lending.  So they need to increase their responsible lending then?  Certainly when it comes to business loans the banks are getting huge amounts of stick from small businesses that want to borrow money to tide them over during the recession?  So you want banks to lend money to small businesses that are fearing the worst during the recession?  Is nobody else’s spidey sense going of here, how the hell does that fit in with responsible lending*.</p>
<p>&#8220;Dear Mr Bank Manager, my business has been in the crapper ever since the recession started but if you could just lend me some money to keep me going for another 6 months then I MAY be able to pay you back some time.  ps if not just add me on to that bad debt list you have&#8221;</p>
<p>In my mind being in debt and being responsible just don&#8217;t go hand in hand unless it&#8217;s exceptional circumstances.  The responsible small business owner should be looking at how to be more efficient, not to the banks for money.  Any business person with half a brain has the rainy day fund don&#8217;t they?  If it doesn&#8217;t work out during a recession then I&#8217;m very sorry but that&#8217;s just life, retrain, do something else.  I just can&#8217;t get my head around this whole going under as soon as the credit stops flowing thing.  If you need to borrow money on a month to month basis to operate then you have cash flow problems, sort them out.  Get payment up front, perform credit checks on potential customers, be more pro active in chasing payment etc   Either that or your business simply isn&#8217;t profitable.  </p>
<p>I know this sounds like I&#8217;m preaching here but it annoys the living hell out of me.  I have a 13 year old daughter who is going to be saddled with government debt for her whole working life.  This is just another of those facts of life.  But what I would HOPE is that during that time she will also get to enjoy a career (whatever it may be) in a business built on solid foundations and growth, not on month to month bank loans.  Recessions are all about survival of the fittest but in our new modern namby pamby PC world we&#8217;re just not prepared to let it ride out.  The economy would find a natural level from which to start growing, as would house prices.  We can&#8217;t wait for the slow turn around and slow growth built on solid business fundamentals, we want it all better, right now.  In essence we want to borrow money to cover our existing debt.  And because of this I honestly just think we&#8217;re delaying for recession mk2, not only will my daughter be paying of our generations mistakes with her increased taxes for her whole life but she&#8217;ll also have the pleasure of having to weather the real recession that we seem determined to put back for our kids.  This pisses me off.</p>
<p>*Yep I appreciate the irony of the banks having to borrow money to survive themselves.  The trouble is that unlike most businesses we&#8217;ve made them a necessary part of modern life (How many of us get paid in cash these days?).  The fact is as well that until the UK Government started pressuring them into lending again it looked as though they may have just about learnt their lesson.</p>
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		<title>How Much Traffic Can Shared Hosting Handle?</title>
		<link>http://www.moneyschemes.net/how-much-traffic-can-shared-hosting-handle/</link>
		<comments>http://www.moneyschemes.net/how-much-traffic-can-shared-hosting-handle/#comments</comments>
		<pubDate>Sun, 26 Jul 2009 18:42:02 +0000</pubDate>
		<dc:creator>Paul B</dc:creator>
				<category><![CDATA[Small Business]]></category>
		<category><![CDATA[Hosting]]></category>
		<category><![CDATA[Midphase]]></category>

		<guid isPermaLink="false">http://www.moneyschemes.net/?p=711</guid>
		<description><![CDATA[One of the most important things with running any business is keeping your costs under control. If you consider your attempts at making money online to be a business then one of the very first costs you&#8217;re going to encounter is hosting. If you&#8217;re in anyway serious about making money from the internet then you [...]<p></p>
]]></description>
			<content:encoded><![CDATA[<p>One of the most important things with running any business is keeping your costs under control.  If you consider your attempts at <a href="http://www.moneyschemes.net/a-basic-run-down-of-how-i-make-money-online/">making money online</a> to be a business then one of the very first costs you&#8217;re going to encounter is <strong>hosting</strong>.  If you&#8217;re in anyway serious about making money from the internet then you really need your own website, free services like WordPress hosted and Blogger just aren&#8217;t worth it.  When it comes to choosing <a href="http://www.moneyschemes.net/how-much-traffic-can-shared-hosting-handle/">hosting</a> there are 2 factors that tend to influence people the most 1. How reliable is the service? 2. How much traffic will my hosting account handle?<br />
<span id="more-711"></span></p>
<h3>How Reliable Is My Hosting Service?</h3>
<p>This is a belter of a question.  In order to guarantee uptime people think that they have to spend more money &#8211; In my experience this is nothing but a myth.  In general people tell you this in order to get a better affiliate commission.  As of this moment I use 7 different hosting services spread throughout the world &#8211; Australia, USA, UK and the Isle of Man.  I have different types of account, shared hosting, <a href="http://www.moneyschemes.net/hosting-for-those-that-really-want-100-uptime/">VPS</a> (Virtual Private Servers) and one dedicated server.  The price I pay for these accounts varies from less than $2 a month to over $150 a month.  When I look at my website monitoring stats I can see that my dedicated server has only marginally (we are talking minutes in a year) more uptime than my cheapest shared hosting.  What I&#8217;m trying to say here is that when the infrastructure of a hosting company goes down for whatever reason it doesn&#8217;t matter how much you pay them, your website is going down.  For most people there is no need to be paying for a VPS or dedicated server (JohnChow.com which runs of a dedicated server for example has far more downtime than any of my hosting accounts).  Paying over the odds for these services is just stupid unless you really need access to the full services of a remote PC.  If you have several websites and are looking for uptime then you&#8217;d be much better hosting those websites on different reliable but <a href="http://www.moneyschemes.net/get-3-months-free-hosting/">cheap hosting</a> accounts.  The next question is, <b>will this cheap shared hosting be able to handle my traffic levels?</b></p>
<h3>How much traffic will my hosting account handle?</h3>
<p>So buying VPS/dedicated server hosting doesn&#8217;t guarantee you any more uptime but you may need it in order to handle the demand your website will generate, or at least this is how another myth goes.  At what point do you THINK you need to upgrade to a VPS, 500 visitors a day?  1000 visitors a day? How about 10,000 visitors a day?  It might surprise you to know that I have websites that individually receive over 15,000 visitors a day being hosted on multiple domain shared hosting accounts that cost much less than $20 a month.  I&#8217;ve NEVER (touch wood) had any problems with excess resource usage.  At times some of these domains have topped 40,000 visitors a day, still with no problems.  If you find yourself on the front page of Digg then from what I&#8217;ve seen a dedicated server is just as likely to fall over as a shared server.  Paying more will not help you with this.  </p>
<p>In my opinion I just don&#8217;t see the need for VPS/dedicated server hosting for the average webmaster.  In fact the only reasons I could see for using it are if you&#8217;re running a massively popular web service (in which case you should be hosting your own servers and using load balancing) or if you require some sort of funky server configuration.  The other situation is for companies that have some sort of liability for the security of the information they are storing.</p>
<h3>Shared Hosting Services I Recommend</h3>
<p>If you&#8217;re looking for Linux based shared hosting then there are 2 services that I really recommend.  First of all is <b><a href="http://www.moneyschemes.net/MidPhase.php" target="_blank">MidPhase</a></b> (I have 2 accounts).  For the last 12 months they have been a rock solid host and at less than $11 a month for multiple domains you can&#8217;t go wrong.  The second service is <b><a href="http://www.moneyschemes.net/BlueHost.php" target="_blank">BlueHost</a></b> (I have 1 account). It&#8217;s less than $7 a month for multiple domains and again I&#8217;ve never had any problems with down time with BlueHost.  Both of these services are perfect for WordPress hosting, <b><a href="http://www.moneyschemes.net/BlueHost.php" target="_blank">BlueHost</a></b> even offer a simple one click setup.  </p>
<p>If you&#8217;re after a shared Windows IIS hosting service then you can&#8217;t go wrong with <b><a href="http://www.netcetera.co.uk" target="_blank">Netcetera</a></b> (I have 1 account).  They are a company local to me being based <a href="http://www.ontheisleofman.com/" target="_blank">in the Isle of Man</a> and I have very good reasons for trying to turn people away from using Netcetera (chicks of course, it got complicated).  As much as I&#8217;d like to bad mouth them they have been superb so credit where it&#8217;s due (especially considering some of the shaky ASP.net stuff I&#8217;ve put live).  At approx $8 a month they offer a superb service with skilled dedicated Windows admins looking after your accounts and not a dodgy call centre in sight.</p>
<p>Just to provide some balance I suppose I&#8217;d better mention a couple of bad hosts.  Well for a start we have <a href="http://www.godaddy.com" target="_blank">GoDaddy</a>.  They are seriously shit.  The control panel is a mess but much more importantly I&#8217;ve found that running any type of a database driven website from their servers is slower than a slow thing on a slow day.  Avoid at all costs, there are cheaper but much better hosts out there.  Secondly there are the Windows specialists M6.net.  Easily the most useless hosting control panel I&#8217;ve ever experienced.  It seems that every single task you may want to do with your hosting will result in you needing to send a support ticket.  They&#8217;ve also been my host with the most down time over the last 3 years.</p>
<p>I hope this post has gone some of the way to giving you a balanced view of what sort of money you should be spending on your hosting.  In simple terms if you&#8217;re the average sort of webmaster with 3 or 4 websites with several thousand visitors a day your best bet is simply to utilise 2 shared multi domain hosting accounts, this will likely cost you less than $20 a month.  </p>
<p></p>
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		<title>Midphase Affiliate Program &#8211; Easy Money</title>
		<link>http://www.moneyschemes.net/midphase-affiliate-program-easy-money/</link>
		<comments>http://www.moneyschemes.net/midphase-affiliate-program-easy-money/#comments</comments>
		<pubDate>Tue, 12 May 2009 08:14:07 +0000</pubDate>
		<dc:creator>Paul B</dc:creator>
				<category><![CDATA[Make Money Online]]></category>
		<category><![CDATA[Small Business]]></category>
		<category><![CDATA[Hosting]]></category>
		<category><![CDATA[Midphase]]></category>

		<guid isPermaLink="false">http://www.themakemoneyonline.net/?p=634</guid>
		<description><![CDATA[Michael Kwan, what a hoot! How dare he suggest that I&#8217;m slap dash about my blogging, does he not know that blogging is my life? Shame on his clumsy, accident prone self. Anyhoo, I&#8217;ve had a really good time with the Midphase Affiliate Program recently and so have decided that it&#8217;s something worth sharing. My [...]<p></p>
]]></description>
			<content:encoded><![CDATA[<p>Michael Kwan, what a hoot!  How dare he suggest that I&#8217;m slap dash about my blogging, does he not know that blogging is my life?  Shame on his clumsy, accident prone self.  </p>
<p>Anyhoo, I&#8217;ve had a really good time with the <strong><a href="http://www.themakemoneyonline.net/MidPhase.php" target="_blank" rel="nofollow">Midphase Affiliate Program</a></strong> recently and so have decided that it&#8217;s something worth sharing.  My plan was to do this on Saturday but I went out on Friday night with a few friends and managed to get totally shit-house drunk.  Saturday was a no go and I was still blowing a very high reading when I checked Sunday (if you&#8217;ve subscribed to the RSS via e-mail wanting the password for the $100 day <a href="http://www.moneyschemes.net/adsense-overview/">Adsense</a> post then I&#8217;m still playing catch up).  Fortunately my head has just about returned to Earth so here we go, <strong>the Midphase Affiliate program and how to make money with it.</strong><br />
<span id="more-634"></span><br />
<a href="http://www.themakemoneyonline.net/MidPhase.php" target="_blank" rel="nofollow">Midphase</a> are actually only 1 brand under an umbrella owned by the UK2 Group.  They provide cheap Windows and Linux <a href="http://www.moneyschemes.net/how-much-traffic-can-shared-hosting-handle/">hosting</a> on a very large scale.  I started using Midphase for my shared windows hosting several years ago, during that time it has been a rocky ride (up time and support hasn&#8217;t been the best during several transitions) but for the last 12 months under the ownership of UK2 the service really has picked up.  Out are the foreign call centres, in is the reliable hosting with good support.  Why mention this?  I never really feel comfortable promoting a product that I wouldn&#8217;t use myself.  That&#8217;s important to me, perhaps even more so than getting another commission.</p>
<p>The affiliate program used to be run as a sub section of the Midphase operation itself (including ANHosting as well) but recently the group has established it&#8217;s own affiliate system to work across all the UK2 Group brands, including Midphase.  One thing that has not changed in that time however is the payout, a fantastic $85!  To get an <strong>$85 commission</strong> on a product or service you&#8217;d normally have to sell your soul concocting all sorts of bullshit.  If you&#8217;re promoting Midphase you don&#8217;t need to do this, from my own experience their price point sells on its own, all you need to do is direct traffic in the right direction.  The cheapest Midphase offering comes in at only $4.95 a month, that&#8217;s less than $5 a month for your own &#8220;properly&#8221; hosted website.  Whilst it may not be as cheap as some dodgy resellers, reseller hosting this is for first line hosting i.e. you are dealing directly with the company that owns the servers, and for that $4.95 is very cheap!  Because they are now using a dedicated team for the affiliate business the actual system in place is very good, everything you&#8217;d expect from a stats system plus very quick responses to any affiliate queries.  The backend matches some of the top CPA networks.  I have promoted a few hosting offers in my time and in terms of both backup and conversion this has been the best.</p>
<h3>How Do I Promote Midphase?</h3>
<p>The single best way I&#8217;ve found of promoting hosting type offers is through the use of a guide.  As people who have had our own sites for a number of years we seem to take it for granted that everybody knows how to go about sourcing a domain name and setting up hosting, nameservers etc etc  The reality is that there are thousands (tens of thousands?) of people each day who are totally new to this world and don&#8217;t have the first clue.  Sure they would like their own website but they don&#8217;t really know where to get started.  I did a step-by-step of the whole process a long time ago now and this was one of my pages where I&#8217;ve recently stopped selling links.  Instead I decided to put in my own affiliate link and from that point there&#8217;s been no going back.  This method does not need a lot of traffic, as an indication I&#8217;m seeing an average 10% <a href="http://www.moneyschemes.net/click-through-rates-explained/">CTR</a> and from that a 5% conversion rate, or in plain English about 1 conversion for every 200 visitors (give or take a few).  Hosting referrals is a competitive market to enter but the rewards are very good, you only need a tiny slice of the pie.</p>
<p>As a next step I&#8217;d  suggest you <a href="http://www.themakemoneyonline.net/MidPhase.php" target="_blank" rel="nofollow">go over to Midphase</a> and see what types of hosting they have to offer.  If you like the look of them (or perhaps just the sound of $85 per sign-up!) then the affiliates link is at the top of their page.  Good luck.</p>
<p></p>
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		<title>Make Money Online &#8211; Resources</title>
		<link>http://www.moneyschemes.net/make-money-online-resources/</link>
		<comments>http://www.moneyschemes.net/make-money-online-resources/#comments</comments>
		<pubDate>Wed, 22 Apr 2009 13:36:42 +0000</pubDate>
		<dc:creator>Paul B</dc:creator>
				<category><![CDATA[Make Money Online]]></category>
		<category><![CDATA[Small Business]]></category>
		<category><![CDATA[Software]]></category>

		<guid isPermaLink="false">http://www.themakemoneyonline.net/?p=593</guid>
		<description><![CDATA[Somewhere buried on my “to do” list has been the need to add a list of the resources that help me Make Money Online to this here little blog. The good news is that I&#8217;ve finally got around to it&#8230;well sort off. I&#8217;ve only added a couple of newer things so far, I will add [...]<p></p>
]]></description>
			<content:encoded><![CDATA[<p>Somewhere buried on my “to do” list has been the need to add a list of the <a href="http://www.moneyschemes.net/make-money-online-resources/">resources</a> that help me <a href="http://www.moneyschemes.net/a-basic-run-down-of-how-i-make-money-online/">Make Money Online</a> to this here little blog.  The good news is that I&#8217;ve finally got around to it&#8230;well sort off.  I&#8217;ve only added a couple of newer things so far, I will add other products and services as and when.  I have a list of 6 that are shoe ins for now, some of which I have written and are exclusively available from here, others of which are the resources that I&#8217;ve paid for/been given by third parties.<br />
<span id="more-593"></span><br />
Now the truth is that some of these things cost money, sorry but that is a fact of life.  Where I do include a product or service that has a cost associated with it please keep in mind that I wouldn&#8217;t even have mentioned it unless:-</p>
<p>1.  I thought it provides excellent value for money<br />
2.  It has genuinely, 100%, helped me make more money from the internet than what it cost me</p>
<p>In my day to day life I spend quite a lot of money on various &#8220;make money&#8221; resources and I could easily just list them all with <a href="http://www.moneyschemes.net/why-i-regret-ever-using-adsense/">affiliate links</a> in the hope of getting some money back.  I hope you know me well enough by now to know that&#8217;s not what I&#8217;m about.  If a resource appears in my list then it&#8217;s only because I genuinely value it.</p>
<p><a href="http://www.themakemoneyonline.net/mmo-resources/"><b>View My Make Money Online Resources Here</b></a></p>
<p></p>
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		<slash:comments>5</slash:comments>
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		<title>The Worst Bookies Ever</title>
		<link>http://www.moneyschemes.net/the-worst-bookies-ever/</link>
		<comments>http://www.moneyschemes.net/the-worst-bookies-ever/#comments</comments>
		<pubDate>Wed, 28 Jan 2009 14:53:33 +0000</pubDate>
		<dc:creator>Paul B</dc:creator>
				<category><![CDATA[Make Money Online]]></category>
		<category><![CDATA[Small Business]]></category>

		<guid isPermaLink="false">http://www.themakemoneyonline.net/?p=362</guid>
		<description><![CDATA[I&#8217;m going to put this down as the biggest mistake I&#8217;ve ever made online. It&#8217;s now cost me hundreds of pounds, forget your dollars here I&#8217;m talking big boys currency, hundreds upon hundreds of genuine great british pounds! The mistake I made was simple. I created a web page about how I make money online. [...]<p></p>
]]></description>
			<content:encoded><![CDATA[<p>I&#8217;m going to put this down as the biggest mistake I&#8217;ve ever made online.  It&#8217;s now cost me hundreds of pounds, forget your dollars here I&#8217;m talking big boys currency, hundreds upon hundreds of genuine great british pounds!<br />
<span id="more-362"></span></p>
<p>The mistake I made was simple.  I created a web page about how I make money online.  In that I included 2 referral links that should never ever live together.  One being an e-product that explains the football betting system that I myself have signed up for and make a decent amount of money from.  The second being an affiliate link for a bookmakers that does 30% profit/loss share!</p>
<p>Have you guessed what&#8217;s happened yet?!  Basically I referred somebody to the betting program and made a nice one time $20 commission.  I also referred the same person to <a href="http://www.live-internet-football.com/Bet365-Live-Streaming.aspx" target="_blank">Bet365</a> who then following the football system has cleaned up.  How do I know this?  Because the sod e-mailed me after I posted this post about getting <a href="http://www.themakemoneyonline.net/getting-mullered-by-your-own-referrals/">mullered by your own referrals</a>.  How do I know that it&#8217;s not somebody taking the piss?  Because they said theat they were going to be building up their bets now that they have confidence in the system.  I checked my stats for yesterday and&#8230;&#8230;</p>
<p><img src="http://www.themakemoneyonline.net/images/bigloss.jpg" alt="how to lose at gamling affiliate marketing"></img></p>
<p>That&#8217;s right, nearly £200 in a single day!  And that&#8217;s with other referrals betting and making me money.  You really really don&#8217;t want to know how much this mistake has just cost me in the last week alone!</p>
<p>So what to do?  At the moment I&#8217;m running the worst bookmakers in the world, ever. It will take me forever and a day to get that acount to a point where I&#8217;ll be making money again.   I think I&#8217;m going to cut my losses, create a new gambling affiliate account and remove any bloody mention of that gambling system from my money makers page.</p>
<p>Remember I do these stupid things so you don&#8217;t have to <img src='http://www.moneyschemes.net/wp-includes/images/smilies/icon_smile.gif' alt=':)' class='wp-smiley' />   Think you can do better than me?  Why not try <a href="http://www.moneyschemes.net/WilliamHill.php" target="_blank" rel="nofollow"><strong>signing up as a bookie affiliate</strong></a> and give it a go?</p>
<p></p>
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		<slash:comments>1</slash:comments>
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		<title>I Couldn&#8217;t Have Said It Better Myself&#8230;</title>
		<link>http://www.moneyschemes.net/i-couldnt-have-said-it-better-myself/</link>
		<comments>http://www.moneyschemes.net/i-couldnt-have-said-it-better-myself/#comments</comments>
		<pubDate>Thu, 08 Jan 2009 12:40:13 +0000</pubDate>
		<dc:creator>Paul B</dc:creator>
				<category><![CDATA[Small Business]]></category>

		<guid isPermaLink="false">http://www.themakemoneyonline.net/?p=355</guid>
		<description><![CDATA[The following e-mail is apparently genuine. It was sent from a business owner in the states to his staff in relation to the changes that have and are going on over the Atlantic at the moment. It really hit a chord with me. I am sick to death of our governments (both sides of the [...]<p></p>
]]></description>
			<content:encoded><![CDATA[<p>The following e-mail is apparently genuine.  It was sent from a business owner in the states to his staff in relation to the changes that have and are going on over the Atlantic at the moment.  It really hit a chord with me.  I am sick to death of our governments <span id="more-355"></span>(both sides of the Atlantic) attitudes towards who and what provides value to our countries.  The lack of understanding of how an economy works by joe public is an embarrassment.  As soon as times get hard there seems to be a gut reaction to tax harder and give more to the laziest most pathetic pieces of shit in society.  Public sector workers who have never done a proper days work in their lives making decisions about things they have no knowledge or empathy with, completely forgetting that behind every successful business there is a story.  Sure for some business comes easy (they get lucky), but for every one of these there are thousands who have worked their ass off and made all sorts of sacrifices to build something they can be proud off (hell, and even employs people).  Then because some dickheads can&#8217;t control their own spending, the same people who think they &#8220;deserve&#8221; what people who have been sensible and made sacrifices have it is these businesses that get to suffer most.  Small business drives the economy, when things are hard you should be making life easier for small business, not harder.  Even my 13 year old daughter can understand that.  </p>
<p>To All My Valued Employees,</p>
<p>There have been some rumblings around the office about the future of this company, and more specifically, your job. As you know, the economy has changed for the worse and presents many challenges. However, the good news is this: The economy doesn&#8217;t pose a threat to your job.</p>
<p>What does threaten your job however, is the changing political landscape in this country. Of course, as your employer, I am forbidden to tell you whom to vote for &#8212; it is against the law to discriminate based on political affiliation, Race, creed, religion, etc.</p>
<p>Please vote who you think will serve your Interests the best. However, let me tell you some little tidbits of fact which might help you decide what is in your best interest. First, while it is easy to spew rhetoric that casts employers against employees, you have to understand that for every business owner there is a back story.</p>
<p>This back story is often neglected and overshadowed by what you see and hear. Sure, you see me park my Mercedes outside. You&#8217;ve seen my big home at last years Christmas party. I&#8217;m sure all these flashy icons of luxury conjure up some idealized thoughts about my life. However, what you don&#8217;t see is the back story.</p>
<p>I started this company 12 years ago. At that time, I lived in a 300 square foot studio apartment for 3 years. My entire living space was converted into an office so I could put forth 100% effort into building a company, which by the way, would eventually employ you.</p>
<p>My diet consisted of Ramen Pride noodles because every dollar I spent went back into this company. I drove a rusty Toyota Corolla with a defective transmission. I didn&#8217;t have time to date. Often times, I stayed home on weekends, while my friends went out drinking and partying. In fact, I was married to my business &#8212; hard work, discipline, and sacrifice.</p>
<p>Meanwhile, my friends got jobs. They worked 40 hours a week and made a modest $50K a year and spent every dime they earned. They drove flashy cars and lived in expensive homes and wore fancy designer clothes. Instead of hitting the Nordstrom&#8217;s for the latest hot fashion item, I was trolling through the Goodwill store extracting any clothing item that didn&#8217;t look like it was birthed in the 70&#8242;s.</p>
<p>My friends refinanced their mortgages and lived a life of luxury. I, however, did not. I put my time, my money, and my life into a business with a vision that eventually, some day, I too, will be able to afford these luxuries my friends supposedly had.</p>
<p>So, while you physically arrive at the office at 9am, mentally check in at about noon, and then leave at 5pm, I don&#8217;t. There is no &#8220;off&#8221; button For me. When you leave the office, you are done and you have a weekend all to yourself. I unfortunately do not have the freedom. I eat, ****, and breathe this company every minute of the day. There is no rest. There is no weekend. There is no happy hour. Every day this business is attached to me like a 1 day old baby.</p>
<p>You, of course, only see the fruits of that garden &#8212; the nice house, the Mercedes, the vacations&#8230; You never realize the back story and the sacrifices I&#8217;ve made. Now, the economy is falling apart and I, the guy that made all the right decisions and saved his money, have to bail-out all the people who didn&#8217;t.</p>
<p>The people that overspent their paychecks suddenly feel entitled to the same luxuries that I earned and sacrificed a decade of my life for. Yes, business ownership has is benefits but the price I&#8217;ve paid is steep and not without wounds. Unfortunately, the cost of running this business, and employing you, is starting to eclipse the threshold of marginal benefit and let me tell you why:</p>
<p>I am being taxed to death and the government thinks I don&#8217;t pay enough. I have state taxes. Federal taxes. Property taxes. Sales and use taxes. Payroll taxes. Workers compensation taxes. Unemployment taxes. Taxes on taxes. I have to hire a tax man to manage all these taxes and then guess what? I have to pay taxes for employing him. Government mandates and regulations and all the accounting that goes with it, now occupy most of my time. On Oct 15th, I wrote a check to the US Treasury for $288,000 for quarterly taxes. You know what my &#8220;stimulus&#8221; check was? Zero. Nada. Zilch.</p>
<p>The question I have is this: Who is stimulating the economy? Me, the guy who has provided 14 people good paying jobs and serves over 2,200,000 people per year with a flourishing business? Or, the single mother sitting at home pregnant with her fourth child waiting for her next welfare check?</p>
<p>Obviously, government feels the latter is the economic stimulus of this country. The fact is, if I deducted (Read: Stole) 50% of your paycheck you&#8217;d quit and you wouldn&#8217;t work here. I mean, why should you? That&#8217;s nuts. Who wants to get rewarded only 50% of their hard work? Well, I agree which is why your job is in jeopardy. Here is what many of you don&#8217;t understand; to stimulate the economy you need to stimulate what runs the economy. Had suddenly government mandated to me that I didn&#8217;t need to pay taxes, guess what? Instead of depositing that $288,000 into the Washington black-hole, I would have spent it, hired more employees, and generated substantial economic growth. My employees would have enjoyed the wealth of that tax cut in the form of promotions and better salaries. But you can forget it now.</p>
<p>When you have a comatose man on the verge of death, you don&#8217;t defibrillate and shock his thumb thinking that will bring him back to life, do you? Or, do you defibrillate his heart? Business is at the heart of America and always has been. To restart it, you must stimulate it, not kill it. Suddenly, the power brokers in Washington believe the mud of America are the essential drivers of the American economic engine.</p>
<p>Nothing could be further from the truth and this is the type of change you can keep. So where am I going with all this? It&#8217;s quite simple. If any new taxes are levied on me, or my company, my reaction will be swift and simple. I fire you. I fire your co-workers. You can then plead with the government to pay for your mortgage, your SUV, and your child&#8217;s future. Frankly, it isn&#8217;t my problem any more. Then, I will close this company down, move to another country, and retire.</p>
<p>You see, I&#8217;m done. I&#8217;m done with a country that penalizes the productive and gives to the unproductive. My motivation to work and to provide jobs will be destroyed, and with it, will be my citizenship.</p>
<p>While tax cuts to 95% of America sounds great on paper, don&#8217;t forget the backstory: If there is no job, there is no income to tax. A tax cut on zero dollars is zero. So, when you make decision to vote, ask yourself, who understands the economics of business ownership and who doesn&#8217;t? Whose policies will endanger your job? Answer those questions and you should know who might be the one capable of saving your job. While the media wants to tell you &#8220;It&#8217;s the economy Stupid&#8221; I&#8217;m telling you it isn&#8217;t.</p>
<p>If you lose your job, it won&#8217;t be at the hands of the economy; it will be at the hands of a political hurricane that swept through this country, steamrolled the Constitution, and will have changed its landscape forever. If that happens, you can find me in South Caribbean sitting on a beach, retired, and with no employees to worry about.</p>
<p>Signed, Your boss,</p>
<p></p>
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		<title>Getting A Custom CMS? Think SEO</title>
		<link>http://www.moneyschemes.net/getting-a-custom-cms-think-seo/</link>
		<comments>http://www.moneyschemes.net/getting-a-custom-cms-think-seo/#comments</comments>
		<pubDate>Mon, 01 Sep 2008 13:42:13 +0000</pubDate>
		<dc:creator>Paul B</dc:creator>
				<category><![CDATA[Small Business]]></category>

		<guid isPermaLink="false">http://www.themakemoneyonline.net/?p=351</guid>
		<description><![CDATA[Having a website design company design you a custom content management system is becoming quite the thing to do these days. Whilst the initial costs are much higher than that of a static website many small companies prefer to have the option of updating and creating new content at will, both major advantages of using [...]<p></p>
]]></description>
			<content:encoded><![CDATA[<p><b>Having a website design company design you a custom content management system</b> is becoming quite the thing to do these days.  Whilst the initial costs are much higher than that of a static website many small companies prefer to have the option of updating and creating new content at will, both major advantages of using a CMS over traditional static website development.  The problem is though are you getting value for money, with even an average bespoke system costing upwards of £6000 it&#8217;s very important that your website performs.  A lot of website designers and PHP programmers aren&#8217;t even aware of the impact a badly designed (in terms of SEO) content management system can have on their clients potential rankings.  As you&#8217;re the customer it&#8217;s up to you to make yourself aware of the pit-falls and how to avoid a &#8220;bad&#8221; CMS.</p>
<p><b>3 SEO Checks To Make On Your Custom CMS</b></p>
<p>1. <b>Search Friendly URLs</b> &#8211; Most CMSs work by querying a database with a set of parameters and populating a templated page depending on that query.  As a result the URL you see in the navigation bar will often look similar to http://www.yourwebsite.com/dopage.php?page=my-tools&#038;show=all&#038;makenice=true Search engines do not like long query strings and are quite partial to just knocking them off.  You could end up severely limiting what pages get indexed by the search engines.  A smaller list of indexed pages more likely will result in less &#8220;free&#8221; organic search traffic.  The easiest way of fixing this problem is to have your web design company use the URL re-write rules that come with using a Linux/Apache platform to create search friendly URLs.  For the example, the above could end up looking like http://www.yourwebsite.com/my-tools/all/makenice (just an example, in reality it wouldn&#8217;t be hard to make this http://www.yourwebsite.com/my-tools/) .  No query string, nothing for the search engines to dislike.  If you are going down the IIS and ASP/ASP.net route then there are workarounds, they are just a little bit more involved.</p>
<p>2. <b>Duplicate Content</b> &#8211; The search engines (well Google mainly) hate duplicate content, it&#8217;s in your interest to only ever feed them 1 copy (under 1 URL) of each unique page of your website. Luckily there is a ready made mechanism for making sure this happens, it&#8217;s called the robots.txt file.  The file is read by the search spiders/robots and they use it to tell them what they can or can&#8217;t trawl from your website.  When this matters with custom content management systems is that developers have a tendency to provide multiple paths to the same content (be it categories/ tag clouds or just a simple search function).  Whilst this is great for visitors you have to make sure that the search engines only get 1 copy of your content. </p>
<p>3. <b>Only Make Secure What Needs To Be Secure</b> &#8211; When you are having your CMS written it&#8217;s always nice to have a secure area, maybe it&#8217;s for staff or registered users?  The problem is that the search engines can&#8217;t spider anything that requires a login (99% use cookie authentication and the search robot can&#8217;t pass a cookie to authenticate itself).  It&#8217;s very important then that when at the design stage that you make it clear that you want as much content as is possible in the open public part of your website.  You&#8217;d be amazed what sort of content can draw organic search traffic, don&#8217;t limit yourself by hiding content away that doesn&#8217;t need securing.  </p>
<p></p>
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		<title>Dropping Hotmail As Your Business Email</title>
		<link>http://www.moneyschemes.net/dropping-hotmail-as-your-business-email/</link>
		<comments>http://www.moneyschemes.net/dropping-hotmail-as-your-business-email/#comments</comments>
		<pubDate>Tue, 10 Jul 2007 13:33:56 +0000</pubDate>
		<dc:creator>Paul B</dc:creator>
				<category><![CDATA[Small Business]]></category>

		<guid isPermaLink="false">http://www.themakemoneyonline.net/?p=346</guid>
		<description><![CDATA[Is your small business still relying on a Hotmail address as it&#8217;s primary e-mail point of contact? If you are then you&#8217;ll not be surprised to learn that there are many more just like you, literally thousands of small businesses still rely very heavily on Hotmail. To be fair, Hotmail is ok, the new Windows [...]<p></p>
]]></description>
			<content:encoded><![CDATA[<p><strong>Is your small business still relying on a Hotmail address as it&#8217;s primary e-mail point of contact?</strong>  If you are then you&#8217;ll not be surprised to learn that there are many more just like you, literally thousands of small businesses still rely very heavily on Hotmail.  To be fair, Hotmail is ok, the new Windows Live Hotmail web interface is very nice, but there are a few problems associated with sticking with Hotmail.  The number one problem for most Hotmail users, be they personal or business is spam, Hotmail seems to get more than it&#8217;s fair share, much MUCH more.  Anyone who has used Hotmail for any length of time becomes aware of the anount of absolute rubbish that manages to make it into your e-mail inbox.  The second problem is professionalism, you&#8217;ve got your own domain, you&#8217;ve got your own webiste and yet anybody who wants to contact you has to use a Hotmail address.  Doesn&#8217;t look very good does it?  There also the matter of client security, a lot of people are afraid to send to a Hotmail e-mail address just in case there address gets added on to some soprt of spammers list.  In truth this shouldn&#8217;t happen but if peoples perceptions damage your business then there&#8217;s very little you can do.</p>
<p>Once you have used a Hotmail address for your business contact then it&#8217;s actually quite difficult to break away.  Microsoft were quite sneaky with Hotmail, they have avoided using publically documented protocols for access and instead gone their own way.  They also do no offer the opportunity to have your e-mail messages forwarded automatically like most other mail services.  In order to get your Hotmail mail forwarded you&#8217;ll need to either subscribe to a forwarding service that can handle Hotmail, or alternatively download some software to do your own forwarding.  Deciding to suddenly not bother at all with your Hotmail account can be a dangerous, can you remember all of the webistes your submitted your contact details to, not  to mention your stationary?</p>
<p>One piece of software that does this is <a href="http://www.forwardhotmail.com">GetMail Evolution</a>, it&#8217;s a small program that you run whenever your computer is on and it forwards messages from POP3, Hotmail, MSN and Windows Live Hotmail Accounts to another account.  Not only this but when you reply, your reply will come from your new address updating your potential customers records.  It&#8217;s really quite a simple solution to the breaking from Hotmail problem.  By ensuring that GetMail runs when your computer starts there is no way you&#8217;re going to miss any e-mail that do manage to find their way into your old Hotmail account.</p>
<p></p>
]]></content:encoded>
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		<title>I&#8217;ve Got Top Natural Rankings, Is AdWords Worth it?</title>
		<link>http://www.moneyschemes.net/ive-got-top-natural-rankings-is-adwords-worth-it/</link>
		<comments>http://www.moneyschemes.net/ive-got-top-natural-rankings-is-adwords-worth-it/#comments</comments>
		<pubDate>Mon, 11 Jun 2007 13:10:42 +0000</pubDate>
		<dc:creator>Paul B</dc:creator>
				<category><![CDATA[Small Business]]></category>

		<guid isPermaLink="false">http://www.themakemoneyonline.net/?p=345</guid>
		<description><![CDATA[This is a question I see quite a lot. Is it really worth paying for traffic when you already rank well for your primary keyword targets? It all depends on a number of things, but in general if you are selling a product or service from your website then the answer is yes! In my [...]<p></p>
]]></description>
			<content:encoded><![CDATA[<p>This is a question I see quite a lot.  Is it really worth <a href="http://www.moneyschemes.net/ive-got-top-natural-rankings-is-adwords-worth-it/">paying for traffic</a> when you already rank well for your primary keyword targets?  It all depends on a number of things, but in general if you are selling a product or service from your website then the answer is yes!<br />
<span id="more-345"></span><br />
In my experience free traffic is always best, after all you can&#8217;t beat free, but as long as you&#8217;re careful there is no reason not to use both.  The most important thing to think about is ROI (Return On Investment).  There is no harm in paying for traffic as long as that traffic makes more money than it costs you.  In order to check this you&#8217;ll need to carefully monitor your paid traffic campaigns to make sure that they are giving you a good ROI.  If you&#8217;re using Adwords then Googles makes this very easy by integrating Adwords data into its own free analytics service.  </p>
<p>Adwords has several advantages over natural search placement.  For a start your natural search results are vulnerable, very vulnerable in fact to how Google wants to rank you.  It is a dangerous marketing ploy to rely solely on natural search rankings for generating business.  Here today, gone tomorrow is not that unusual, even with the best SEO in the world Google is the master of what does and doesn&#8217;t appear in its natural search results.  With Adwords you can at least have some influence over where you appear, if your business is ligitimate then you can have a big say so, the more you pay the higher you appear.  Just keep that ROI in mind.</p>
<p>The second big advantage of AdWords over natural search is that it allows you to test out new products and pages.  You are buying tragetted traffic which is a great way to find out how your pages will convert to customers.  Experimentation is a vital part of web marketing and AdWords gives you the tools you need to experiment with freedom.</p>
<p>So even if you rank top for natural search results, don&#8217;t forget Adwords.</p>
<p></p>
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		<title>How Much Is Too Much To Pay For A Website?</title>
		<link>http://www.moneyschemes.net/how-much-is-too-much-to-pay-for-a-website/</link>
		<comments>http://www.moneyschemes.net/how-much-is-too-much-to-pay-for-a-website/#comments</comments>
		<pubDate>Tue, 24 Apr 2007 12:58:44 +0000</pubDate>
		<dc:creator>Paul B</dc:creator>
				<category><![CDATA[Small Business]]></category>

		<guid isPermaLink="false">http://www.themakemoneyonline.net/?p=342</guid>
		<description><![CDATA[To most people this is going to appear like shooting yourself in the foot, but I believe I come from a school of business that is quite rare these days, I like to think of it as being honest. As far as I&#8217;m concerned there are a lot of &#8220;Web Design&#8221; companies out there trying [...]<p></p>
]]></description>
			<content:encoded><![CDATA[<p>To most people this is going to appear like shooting yourself in the foot, but I believe I come from a school of business that is quite rare  these days, I like to think of it as being honest.  As far as I&#8217;m concerned there are a lot of &#8220;Web Design&#8221; companies out there trying to do what the dodgy garage mechanic has been getting away with for years!  When you have a customer who is not entirely sure what they want, don&#8217;t understand what is involved then you can go down one of 2 routes, be honest and price according to the work involved (and maybe get some referral business) or secondly rip them off for everything you can because they wont know any better. If you&#8217;re looking for a new website but don&#8217;t know what&#8217;s involved I&#8217;m going to help you avoid the second type of &#8220;business&#8221;.<br />
<span id="more-342"></span><br />
Now I know that I&#8217;m going to over simplify things a bit here, it&#8217;s more to give you a taster of what to look out for on any quotes or estimates you recieve.  Also keep in mind that this is based very much on a small/medium business marketing website in the UK/Isle of Man, website design companies and labour prices for a local company in your area will vary.  Anyway, some things to look out for on any estimates you recieve:-</p>
<ol>
<li><b>Domains &#038; Hosting</b> &#8211; They are charging in excess of £100 a year for non-managed hosting, and more than £5-7 for a .com .co.uk domain name.  The truth is that <a href="http://www.moneyschemes.net/how-much-traffic-can-shared-hosting-handle/">hosting</a> space is not expensive, you can source a hosting account with some of the largest hosting providers in the world for approximately $50-$60 (Around £30) a year and often less.  Beware of companies that tell you that you need Windows .net hosting just because THEY can&#8217;t develop in the cheaper linux/PHP environment. .net is good for large scale applications but for simple form submissions and the like there is no need to pay that extra for Windows Hosting.  If your Web Design company is quoting more than £100 a year for hosting then it&#8217;s time to question them and find out what added value they are giving you to justify the markup.  You can buy a .com or .co.uk domain name for between $5 -$10 (Around £4.50) per year, again if your Web Design company is quoting more, ask why?  A domain registrar, is a domain registrar, why have they not sourced a best value registrar for you?</li>
<li><b>Look And Feel (Concept Design)</b>  &#8211; 2 Days work.  This is about how long it should take a reasonably skilled artist to come up with a couple of &#8220;original&#8221; designs.  How much do you think it is fair to pay for 2 days work?  I&#8217;d suggest that anything over £5-600 needs questioning.  It&#8217;s also worth remembering that most &#8220;original&#8221; designs are based on an existing design.  There is also the possibility of saving costs by buying a pre-made template from one of the many talented free-lance graphic artists/template deisgners on the interent.  A general template will cost around $40-$60 (£20-£30) whilst a unique one sale only template will cost around $1000 (£500) upwards.  These templates tend to be from people who are well known, highly respected and make they entire living from selling their own art/design work and not somebody who has been employed on the cheap because they have a <b>NVQ in art</b>. Think carefully before commiting to these design costs, a bought template that you pay to have modified is a much more cost effective solution and the results are often better.  Certainly question anybody charging in excess of £1000 for concept designs.</li>
<li><b>Template Development</b> &#8211; This involves taking the concept design, chopping up the images and creating a template for your website (Yes that&#8217;s right, your concept design does not involve the creation of your web template!).  A website deisgner is required to create clean, browser compliant code.  Again for a fairly simply website that maybe has 1 design for the home page and another similar deisgn for the content pages then this is no more than 2 days work.  If your estimate for template development work is over £1000 then it&#8217;s time to start asking questions again.  Now if you&#8217;ve gone with the option of buying a template then this is all part of the package, I know some Manx Web Design companies charge in excess of £2000 just for concept and template design, the alternative is a £20-30 template (from a choice of hundreds) and 1 days customisation to give you your unique website.  Local company or web renowned designer, the choice is yours.</li>
<li><b>Site Structure</b> &#8211; If you see this seperate to template design then run!  Your website structure is the way in which pages link together to both benefit your visitor and the search engine robots that visit your website.  A well thought out  site structure should help to give a good conversion ratio of visitors to customers as well as help the serach engines to find a correct placement for your web pages in the search engine results. Most importantly your site structure is totally dependent on what pages YOU want to include as part of your website. Your structure should be encompassed in a website map that should be reflected in the menu system you use to navigate your website.  To any website designer that has knowledge of search rankings, Google&#8217;s Page Rank algorithm and experience of designing marketing webistes that drive customers then the website structure should be almost second nature and be heavily in mind when designing/utilising a template.  I personally would never charge for designing a site structure as  once the customer has decided on what content they wish to include the structure will in the main take care of itself, especially for small to medium business marketing websites.</li>
<li><b>Customer Feedback / Form Submission</b> &#8211; Whilst taking enquiries and orders from customers is what most business websites are about, as long as you are only wanting an e-mail to be generated and mailed the actual technology behind this is very simple.  Most website design companies will have a store of form submission scripts that they can simply &#8220;plug-in&#8221; to your website.  Even writing a new one from nothing is a minimal task for any PHP/.net programmer.  Whilst you should expect to pay a little more than you would for a standard web page if you are being quoted hundreds of pounds per form then I&#8217;d be concerned.  If you&#8217;re requiring some sort of database system in the background then although more complicated you should not expect to pay more than £500 for anything that does little more than store basic customer details.  It is possible to have complex systems deisgned and built through the various rent-a-coder style websites on the internet for less than $1000 (£500) so keep this in mind when looking at quotes for simple database functionality.</li>
<li><b>Logos and logo design</b> &#8211; New business logo for your new website, a lot of website design companies will try and pull this one.  If you have an existing company logo then I&#8217;d really query the need to change.  If you do want a logo then look to pay not much more than £100-£150.  A quick Google search will find any number of logo design companies from various places around the world all with huge catalogues of sample work that can design your new custom logo for £100 or less.</ul>
<li><b>The Dreaded Everything Else / Rest Of The Site</b> &#8211; What can be a very simple way of adding hundreds to even thousands of pounds onto the cost of your website.  Whether it be a Sitemap that you&#8217;ve already paid for or the addition of terms and privacy policy pages that you&#8217;ve neither asked for or can be sourced for free from numerous places on the internet it all helps to add that little extra to the overall price.</li>
</ol>
<p>So that&#8217;s about it really.  For your non shopping cart small business marketing website that can accept enquiries and simple order information then expect anything between £1500 &#8211; £3000 to be reasonable.  Much more than that then personally I would question the quote heavily.  Remember that costs in your area may be different but I hope that you find this as a useful indication to website design costs.</p>
<p></p>
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