How And When To Teach Your Kids About Money

by: Greg R Smith

As a child, money seems to somehow “grow on trees” as mum and dad always appear to have money to buy things.

Even though this is clearly not the case, it’s unfortunately the perception of children who live in a very consumer oriented world.

Rather than letting your child grow up thinking that money comes easily, you need to institute some form of education that teaches them how to understand and use money wisely.

Teach them young and they will carry forward that knowledge and live a better financial life. Here’s a few tips how :

From ages 3 - 7

1. Show them the value of money by explaining what $2 can and can't buy. It may be an idea to do this whilst walking down the super market aisle or toy aisle (if you are game!).

2. Let them watch you pay for things. You may even start by letting them hand over the cash or pressing the OK button on the ATM.

3. Do not give them notes. Pay their pocket money in coins as your children need to understand how to allocate their money.

4. Show them how to visualise their goals. Get them to draw what they want to save up for. Keep the goals realistic otherwise they will very quickly lose interest.

What they learn -

• Different things have different values.
• Money simply doesn't grow on trees and that you have to work for your money.
• You have to allocate your money for different things

From ages 7 - 12

1. Encourage them to participate in the school banking programme. This will give them a sense of regular commitment to savings.

2. Get them interested in looking at their bank statements and following how much money they are saving. This will get them used to scanning banking paperwork.

3. Get them to start thinking of a long term saving goal and work out how long it will take them to reach that goal.

4. Give them a combination of notes and coins for their pocket money. This will really strengthen their allocation abilities and efficient usage of spare change.

5. Start showing them the family bills and explain positively that the bills have to be paid to keep the family going.

What they will learn –
• Saving is a planned activity and something that needs a bit of thought rather that just putting away what's left over.
• The value of small change
• It takes a fair bit of money and good money management skills to keep a roof over their head.

For Teenagers

1. Encourage them to set up their own bank account and use internet banking.

2. Direct debit their pocket money into their account. This will get them used to dealing with intangible payments, and that electronic money is not just a set of numbers.

3. Make them responsible for their own bills such as mobiles. This is a very quick way to teach them how to spend wisely.

4. Try not to lend money to them for purchases that are of an extravagant nature. If they really want it, encourage them to get a part time job to save up enough. If you do loan money to them, do so only on the grounds that you will reduce the amount of their pocket money until the loan is paid.

5. Charge them board if they have a part time job - this will start getting them into the habit of paying their way for things they take for granted - like food and shelter!!

6. Introduce them to the concept of return on investment. Show them the value of putting some of their money into high interest savings accounts or even into managed investments.

7. Highlight the fact that if they start now they will be so much better off down the track.

What they learn –

• Not only will they learn more modern and more efficient banking techniques they will also learn how to curb their wants, or find ways to earn rather than going into debt for something that is not totally necessary.

• It takes money to create money.

How To Make Your Ebay Listing Get Found By Buyers?

By: Ricky Lim

With thousands and thousands of listings for each category on ebay, it is easy for your ebay listing to be buried and ignored by buyers because buyers can’t find them. Sure, you could pay more money using featured items, bold items, second category and all those stuff. But what if there is a better way for your listing to get found without paying the additional fees that eats into your profits?

Up to 85% of ebay users use the search function on ebay to find what they want. Since most ebay users do not use the check the “title and description” box during searching, that’s means the title is the single most important factor for your ebay listing to be found.

Ebay allows up to 55 characters in the title and you should full use of it. I’ve seen listings where the title is only 15-20 characters long and give very vague description on what they are selling.

Try to be as descriptive as possible in your title. For example, if you are selling a dvd player on ebay. Put in the model no, brand of the dvd player. An example would be “Sony DG-1098 DVD player v2” or something along the lines. The main advantage is you get less competition for more specific terms and also buyers who find your listing this way already knows about this product and are more inclined to bid on it.

Keywords in ebay are also important. Some keywords are hot and get a lot of searches while others get close to none. One way of finding hot keywords is to use ebay pulse and get the top 10 keywords for your category.

Then to try to weave in at least 1 such keyword into your title so that your listing shows up on search results.

It is also important to add a picture to your title listing. There are 2 reasons for this. Firstly, a pictures tells a thousand words, putting a picture of your product helps buyers to know what they are buying. Secondly, listings without picture appear almost as a single line on ebay search results while those with pictures take up almost 4 times the space. So it’s easy to spot your listing with pictures.

Marlon Sanders: The Hero In The Internet Marketing World

By: Mario Churchill
If there should be a hero in the internet marketing world, Marlon Sanders would be it. Marlon Sanders is one of the most respected and also the most popular internet marketers in the world. He is even considered as the marketer's marketer.

Marlon Sanders is known to sell some of the most popular marketing products that companies and even you can use to profit. However, before you jump in and start buying Marlon Sanders products, you have to know more about it first.

The marketing products that Marlon Sanders sell will help you or your company to promote, develop and sell your product effectively. You can use Marlon Sanders products in internet marketing or through traditional offline ways. Not only does Marlon Sanders sell effective marketing products, but he is also known to sell marketing products that are easy to use.

He is also the creator of The Amazing Formula that Sells Products Like Crazy. This particular marketing tool that Marlon Sanders sells contains information that is not entirely new. It has been used by many people hundreds of years now and they have been using it to make millions of dollars.

The Amazing Formula that Sells Products Like Crazy by Marlon Sanders is an excellent step by step guide on how to sell products online or offline effectively. This particular guide will inform you about all the things necessary on how to sell your product effectively. Like what that title says, it will definitely improve the way you sell your products and make it sell like crazy.

It has information about a simple system used by many businesses today that have earned millions and millions of dollars, it provides information on examples of online businesses today that uses this formula with great success, it has information on how to effectively automate your business and a lot more about money making tools that you can use.

There are many people and companies alike that have been using this formula with great success and they recommend that you should buy this product by Marlon Sanders in order for you to be successful in the online business world too.

If you think that your online business is not really cutting it like you expected it to, you should consider using Marlon Sanders formula in order to make your business sell its products like hotcakes. You will see that your online business will generate a lot of money and eventually make it grow. Besides, maybe through this product, you will be making your first million.

If you are skeptical about purchasing Marlon Sanders formula, here are reasons on why you should at least take a look at it.

The first reason is that it's so simple to use. This product has a step by step system that will guide you through each step from start to finish. In simple words, everything is laid out for you.

The next reason on why you should purchase this product is that it's not like any other e-books that contain information that you will likely forget the next day. This product contains 300 pages of tips, resources, methods, secrets, systems, and information that will definitely not waste your time and money.

The last reason would be because of the 100% one year customer satisfaction guarantee. So, if you are not completely satisfied with this product, you can easily request for a refund. In addition to this, Marlon Sanders also offers a "triple your money back guarantee". If you are not satisfied with the results after you tried everything mentioned in the book, you will be able to get 3 times of what you paid for.

So, if you want to start your own online business or if you want to at least improve your business and sell your product likes crazy, it is highly recommended that you should purchase The Amazing Formula that Sells Products Like Crazy by Marlon Sanders.

You Want To Market Your Business, But Do You Have The Time?

By: Joseph Ratliff

Well, do you? If not, how do you have time to run a profitable business? By profitable, I am not just talking about money. I also include time to do what you want in profitability. Time is money right?

I am going to give you golden nuggets of time management wisdom that I personally use in my direct response copywriting business. To qualify that these actually work...I utilize all of these methods personally, and I "work" no more than 4 hours a day! Use them in your business today!

1) The foundation is your desk. How clean and organized is your desk? Do you adopt the principle of "use it, file it, or throw it away" with every single item that comes across your desk? You either use information (paper, email, whatever), file information (only if you have TIME STAMPED when you are going to use it), or throw it away completely! Some items are just not important enough to waste valuable time on.

2) Magazines, do you read them? Really, do you? Or, like I used to, do you let them stack up in a pile...hoping to get to them someday. When you finally do, they are outdated...or you manage to read a small part of a magazine, then throw it back on the pile you created. Here is the secret: Use the table of contents! Find those articles you like right away, and rip or cut them out of the magazine! Then, read now, or file the article in a folder for that magazine subject or title. It is much easier to read the articles you are interested in only...and it makes sense.

3) Do you find yourself listening to audio recordings? If so, a real timesaver is to listen to the recording at double speed (2x). In 99% of the cases, you can still understand what is being said, and it doubles your efficiency in getting information. This cuts your listening time in half!

4) How organized is your office? No really, I mean it. Is your office chair in easy reach of filing cabinets, supplies, and other necessary items without having to get up? Getting up and down for a few seconds each time adds up quickly...this technique alone can save you an hour a day! What can you do with an extra 60 minutes? Perhaps take lunch?

5) How do you process "interruptions?" Do you end up checking a blank email box 20 times a day, or check it three times at specific times of the day? Do you schedule phone calls, or do you pick up the phone and answer it every time Aunt Mable calls? How you handle your incoming activities (phone, email, people visiting etc...) can seriously take away from your valuable time! Remember one idea here...NOBODY AND NOTHING controls your time except YOU! It is a conscious decision that you make to take a phone call or send another email...attend a meeting...or any other time suckers.

Please don't take it out on other people when "you don't have enough time." It is YOU that made that decision in the first place.