Sunday, November 25, 2007

Asset Sales - How to Get Money For Assets When You Need Fund

Asset Sales - How to Get Money For Assets When You Need Fund
by: Paulina Roe

If you need to sell off assets in order to bring in funds, see what you
have of value to someone else. There are options you can use when
you are looking for a buyer. One option, though not recommended,
is to pawn the item. If you can make an arrangement to buy it back,
this might be a good option for you, but beware - it's hard to find a
reputable person in this arena.

Another option is to list your items in an auction - online or offline.
Be careful of offline auctions - and remain present. Keep a hard
line on the minimum amount you will accept for any items. We had
an auctioneer sell off my mother's estate items and he sold them at
much lower pricing that was fair. She had over $15,000 worth of
items, and he gave us $1200 for the entire lot. We learned a lot that
day. If you have auctioneers come to take your items, make sure to
mark which items to take, or better yet, set them outside and in one
spot, away from your other home items. Our auctioneer went into the
crawlspace and took things we meant to save, and sold them. Don't
ever let an auctioneer get control of your goods.

Online auctions are more controllable - you set them up for bid, and
you decide how much you are willing to take. You get a better idea
if your minimum will even work - it might be too high for the
demand. You have total control over the sale. You can also decide
how long you want the bid to go on - depending on how soon you
need the money. To find some auctions online, go to

Do you have any payment plans that pay out on a monthly basis,
for which you would like a lump sum amount for? Try selling it for
present day cash. If you are holding a mortgage note, or a
lottery winning, or business notes, you can sell those for cash
now. Some of your life insurance policies can be sold, as well,
if you have no real need for them anymore (your kids are grown
and on their own, your spouse may have died, or you know your
life is on a short timeline and you just want to enjoy the time
you have but need money). If you have won a lawsuit that is paying
out in installments, you can sell that for lump sum cash. You may
have other types of assets that you can get cash for - think about it
and see what you might be able to work out.

If you have no assets to sell, you might need to think "outside the
box" - be innovative and figure out what you have to sell - your
talents or services, perhaps? In any case, figure out all your assets -
physical and inner - and see what you think people will pay you
for them or for using them. Price fairly and beware of scams.

About the Author

P. Roe has been representing financial products over the years and has
gained expertise from both training and experience. There is help for your
financial situation, in most cases, and each week the "Funding Solutions"
newsletter brings you more information and details on financial options
and safe investing. Tracking scams has also become a priority.

Monday, November 19, 2007

Can You Really Make Money with Surf for Cash Programs?

Can You Really Make Money with Surf for Cash Programs?
by: Ed Zivkovic
Copyright 2004 Ed Zivkovic

This article will focus on the Spedia Surf for Cash Program.

I first came across from my Alexa Toolbar as a result of visiting another non related site. I was looking for programs to promote and spedia sounded good on the outside and I almost signed up in order to refer others into the program.

It all sounded too good to be true. The 5 level deep payout structure would ensure a decent income after some heavy promoting but my intuition told me to do a quick search for the term "spedia scam" and see if there was any negative spedia information around. The results speak for themselves.

An abundance of warnings and people's negative experiences with spedia. The most common complaints seem to be that they don't pay. Other complains include system crashes and spam if you cancel your account.

The Spedia Terms of Service

The Spedia Terms of Service can be found at You must agree to these terms in order to participate in the Spedia Surf for Cash Program. It is a very interesting page. Especially clause #16 whereby you agree not to participate in a Class Action Law Suit against Spedia but you are "allowed" to make a claim as an individual.

Personally, I cannot see any one person taking Spedia to court for 30 bucks which they did not pay. If you cannot participate in a Class Action whereby thousands of individuals can make a claim with one court case and with one attorney, what chance have you got to get your money?

Spedia and Surf+ Scumware

It seems that by downloading and installing the spediabar, you are also installing a Scumware program called Surf+. This is not a good thing. The Surf+ Scumware has the ability to change plain text words on any web page into hyperlinks. These hyperlinks are inserted without the permission of the webmaster in order to hijack you onto another site. More about how Surf+ works here:

Certain Spyware and Scumware programs will require special attention to be removed from your system because they cannot be removed by the regular add/remove programs method. If your computer has been infected with the Surf+ virus, you will need instructions to remove all invisible components from your system.

Instructions for removing Surf+ here:

A Better Way to Make Money Online

It seems that even IF you find a legitimate Surf for Cash program, it will take ages to get even a $30 payout. I still think it is much easier to sell either your own products or other people's products and services via an affiliate program. To do this you will need your own website, register your own domain name, select a web hosting company and learn how to get traffic to your site.

Are You Wasting Time

It's time to ask yourself, "Am I wasting time on the Internet?" and "Does it really serve me to do what I am doing?".

If we are doing the same old things and not getting the desired results, it may be time to shift our thinking and open up to new ideas, or do some of the stuff we know we "should" do but have been to lazy to do it.

About the author:
The author, Ed Zivkovic is a self-taught webmaster. His website contains articles with all sorts of tips for work at home webmasters. Here is the site: