ULTIMATE MONEY MAKER OR ULTIMATE SCAM?

By: Daniel Gruda

So you’ve heard about Mark Warren’s Ultimate Wealth Package and you want to know if it can make you money.

Most likely, the reason why you’re here is to receive an opinion from someone who has used this product.

Before you get started, you should know that you will not make money overnight. Ultimate Wealth Package is not a get rich quick scheme and they don’t claim to be. Success with package will take time and effort. There is a learning curve to this system and your success will depend on how hard you work at it.

Lets start with the good points:

Ultimate Wealth Package offers in-depth insight into the world of affiliate marketing. It covers everything from creating ad campaigns and maintaining customer loyalty through opt-in lists. For those who are just entering the field, Ultimate Wealth Package is an information gold mine. The package shows you step by step how to build up your online business. They even include a free website with their package.

As an added bonus, Ultimate Wealth Package packs a ton of extra goodies, especially for those who opt for the VIP package. Among these bonuses are over 100 extra e-books (covering a wide variety of topics on how to make money online), software packages, and audio interviews with marketing experts. UWP even offers 24 hour, toll-free phone support, a feature that I have not seen with any other wealth package.

Unfortunately, UWP is far from perfect:

While Ultimate Wealth Package offers a free website, it’s only for beginners. The site is ill-suited for applying Mark Warren’s more advanced strategies and you drop it once you’re ready to go to the next level.

Probably the worst part of Ultimate Wealth Package is the expectations. Mark Warren has really shot himself in foot with this one folks. He pads his website with tons of stories of people making lots of money quick. This won’t happen for most people. Don’t be surprised if it takes a while for you to start earning an income. As I said earlier, success will take time and effort.

So what's the verdict?

Ultimate Wealth Package receives my full recommendation. The strategies it preaches can be used by both novices and experts. After using this product, you might realize that you don’t like internet marketing. If that’s the case, simply exercise UWP’s 60 day money-back guarantee.

Just to let you know, prepare to learn a lot. Ultimate Wealth Package gave me my start in affiliate marketing and 2 days after buying it, I felt like my brain was going to explode. There was just so much information!! My advice to novices: don’t get overwhelmed and discouraged. Just continue to practice Mark Warren’s techniques and eventually, you’ll get the hang of it.

FRUGAL LIVING TIP - GIVING YOURSELF A REASON TO SAVE MONEY

By: Jonni Good

In the US and much of the Western world, we equate money with happiness, even though our personal experience seldom gives us reason to believe that the old saying "you can't buy happiness" is anything less than true. We assure ourselves that if we only get a raise or get a better job or win the lottery, all of the stress of daily life will disappear and we'll have time for those things in life we really enjoy.

This would be true, at least partially, if making more money allowed us to have more money in the bank. However, each raise in pay also raises our desire to spend, so a promotion at work can actually put us farther into debt. How many people do we know who bring in over $100,000 a year who are still living paycheck to paycheck? How many lottery winners end up in bankruptcy court, wondering where all the money went and how they managed to make such a muddle of this windfall that should have set them up for a lifetime of financial security?

An option to spending as much or more than you make every month is to live frugally - and it's refreshing to see the increase in interest in the voluntary simplicity movement. Being intentionally frugal can actually bring you the financial security that a high-paying job cannot. In fact, if you go one step further to voluntary poverty, as I have, you may be able to quit that job and actually do something that could really make you feel fulfilled.

The one frugal living tip that makes the biggest difference is to simply keep track of everything you spend for at least a month. You probably won't keep it up for much longer than that, but it will give you an idea of where your money is going, and whether or not the money you spend on each item is really giving you the satisfaction you're paying for.

However, just keeping track won't help much unless you have a vision of another way of life that would really give you pleasure or contentment. Saving money for it's own sake feels like a sacrifice, but saving money so you can retire early and start that little farm you've always wanted would be a goal worth working for. Creating that goal may take some true soul searching and many deep conversations with your family.

When you come up with a goal you all agree on, decide how much time it will take to get there - this time frame is important, and you should be as realistic as you can. Do you want to own your own home without a mortgage? Will it take 5 years of frugal living? Or 10? Would you like to retire all your credit card debt? How long will it take?

Once you have that goal in mind, the best way to start putting money in the bank is to notice where you're spending your money now.

One thing most people discover is that the simple act of jotting down the $3 you spend on coffee every morning, plus every other small or large expenditure, will magically cause you to have money left over that you ever had before. Keeping track causes us to be mindful of our choices, and even without adding up any numbers or making any deep decisions, we save money by spending more consciously.

Once you have at least a few weeks' worth of figures, you're ready to get out the calculator. Divide the items on your list into any categories that seem reasonable - such as lunch at work, utilities, dog food... Then add up the columns to see how much you really spend.

Then, go one step further to give yourself a true shock - multiply the amount you spend on each unnecessary category, like your morning coffee at Starbucks, by the number of months you think it will take you to reach that long-term goal.

If you spend $3.50 each working day at the local coffee shop, it doesn't seem like a very big deal. Multiply that by the average of 20 working days a month, and you may be startled to realize that you spend $70 a month on coffee that you could make yourself in your own kitchen. But the real eye-opener comes when you multiply that $70 times the number of months you need to reach your goal of financial security.

If you are willing to spend 5 years in frugal living to pay down the mortgage on your house or pay off all your credit cards, multiply your monthly coffee money by 60 months, and you'll see $4200 on your calculator screen. That 's enough money for a down payment on a reasonably priced house, or to buy a good used car for your teenager. It's also enough to pay at least several month's mortgage payments, or to put in the bank for a medical emergency. $3.50 isn't an important amount of money, but to almost anyone I know, $4200 is a serious amount of cash.

Do the same calculation for everything on your list that isn't truly necessary, and you may discover that you can reduce the amount of time you need to reach your long-term goal by several years or more. If your credit card debts are weighing you down and causing daily stress, this simple frugal living tip could lead to a complete elimination of debt in just a year or less. In my mind, that's more important than a fancy cup of coffee.

TO MAKE MONEY ON THE INTERNET

By: Gordon Milton

There are lots of ways to make money on the internet, but let's get several things straightened out first. It is just as difficult to make money on the internet as it is to make money with a "bricks and mortar" business, but on the internet, it is possible to get started with very little money. The ways to make money on the internet are as infinite as your imagination and if you combine those two points there is one absolute. Don't part with any money until you are certain about what you are purchasing.

I have found that the real, honest to goodness organizations that you can "joint venture" with, or work for, present their offers to you in a truly transparent manner. The best of the best, will grant you full access to their methods of conducting business online without any prerequisite for you to part with your money.

In your search for ways to make money on the internet, very often you will be presented with offers to be a re-seller. This means you buy information to sell on to others. Frequently, this information is about how someone has made hundreds of thousands of dollars, possibly millions of dollars, by using techniques obtained through purchasing an e-book for seemingly very little money. The impression is that the "up-side" is so massive as to make the purchase price appear trivial.

Take care. Commonly, the person selling the information has made a fortune using methods that exploit a loop-hole in a service. However, the service-provider maybe closing the loop-hole. You could be too late to gain any advantage using the tactics yourself and word may have spread, making it very difficult to sell the information onwards.

Always ask yourself why the person is offering this information to the public at large. After all, if the biggest businesses go to incredible lengths to keep their money making methods secret, don't you think that anyone who has successfully discovered how to make money on the internet would do the same. However, there are always exceptions.

Sometimes you can be a re-seller for a service, such as web-hosting, or an auto-responder for example. Such services are based on an ongoing subscription and may be linked to an affiliate program. In such circumstances, it is understandable to be offered the opportunity to be a re-seller. The person offering you the service will continue making money on your subscription and you will continue to make money on the internet for the lifetime of your customer's subscriptions.