If you bought a house for investment, you may know already that your house value depreciates while your land appreciates. If you like to go elsewhere it is not that easy to sell your house unless you sell it for a low price.

If you are into stocks and bonds, figures fluctuate too often, especially when the economy is not stable.

If you like to travel, which is my childhood dream, I guess the best investment I should look into is gold. It always appreciates and you can move it from one place to another. It’s easier to trade also since you can sell just a few or the whole lot, unlike real estate. If I can, I’ll buy gold bullion instead.

Usually, a person buys life insurance so his or her beneficiaries will not have to lose the incoming financial support that person brings in as a bread winner in the event that the insured dies. It’s love. But how much is enough?

Let’s see the logic of the matter and consider the following questions:

- how much do you bring in to your loved ones now?

You want to make sure that when you leave them, as your beneficiaries, you won’t bring your earning power with you in the grave. The insurance must continue to bring in the dough to them when you’re gone.

- how do you compute this?

The face amount (say, 1M), when left in the bank, must earn the amount that you usually earn. That means, the interest alone must produce the amount equivalent to what you are earning now so by the time you’re gone, all your beneficiaries have to take is the interest.

The same is true for your need when you reach the maturity age of your policy. When you can no longer work because of old age, your whole life insurance interest should be enough to support you…or you can get the lump sum benefit and put up a business or enjoy traveling here and there. It’s your life after all.

Is insurance good or bad? It depends on how you look at it. Generally, insurance is good. You get financial return for the loss of whatever it is you’re insuring which is a lot larger than what you paid for. Comparing it with a bank time deposit, it is still a lot larger.

When does it become bad?

- When the company has not enough reserve.

- When your non-life insurance just ended without having to claim anything. (It’s more like, if-I-knew-nothing-would-happen, then-I-shouldn’t-have-gotten sort of reasoning.) Not bad at all since nothing happened and what you bought is your security that if ever something happened, you’re financially going to claim.

If you’re the breadwinner and you love your family, better be insured as death is sure to come to any of us. It’s just a matter of asking when. When your family loses you for whatever reason, should they also lose your financial support? If your answer is no, then go for it. Cheap insurance is now available.

I’ve mentioned recently that I’ve joined an advertising company, Link From Blog, that will pay per review. I joined because my friend got paid. I was approved in a short while and when I was, I immediately looked for opportunities. There’s quite a number of them and I just bid on those that I think I would be able to blog about.

Frankly, I had been busy these past few days that oblivion struck me for a moment. It was only when I saw my own blog post that I realized I’d joined Link From Blog. I logged in right away. I wanted to know what happened to the bids I placed. I have 2 bids approved and the date was 5 days ago!

By the way, I wasn’t able to mention before that I had a sign-up bonus of $3. It takes $50 to cash out by PayPal but at least there are quite enough to reach that. Also, bonuses are given depending on the quality of posts. I think that’s good. It encourages bloggers to write better and not just put up the link and force it within the post.

So, again, I invite you bloggers to try it.

As a problogger (a blogger earning money through blogging), it is my natural inclination to find better ways and look around and learn from other bloggers’ experiences what work and what doesnt. Although there are a lot of scammers, there are still some that are for real, having honest-to-goodness good business ethics with bloggers…and paying is the number one barometer whether it’s for real or for kill.

Since my friend has been paid, it is my turn to rake the benefits as well….and that also includes you.

If you’re a blogger and have not known about Link From Blog, then it’s time to dive into the opportunity of making more dollars.

One thing that makes them different is their referral system. Come on, check it out yourself.

This is an opportunity you don’t want to miss. The opps are few for me who lives in the Philippines but I see lots which I cannot take. Most of the time you’ll only need what you already have: computer and internet access.

Go check out Bex’s site and add some dollars to your pocket. You’ll be glad you did.

PS. It used to be open to all but due to the many fraudsters, she had to limit the opps to US, UK, Canada and Australia. She was good enough not to terminate us who are not part of those 4 but she’ll not accept new applicants out of those 4 areas anymore.

More often than not, we can purchase a house only if we apply for a loan. Those taking a loan just to be able to own a house probably know the importance and the benefits of having your own as opposed to renting or merely living with parents or other relatives or even friends.

Below are some points NOT to do when you plan to buy a house via financial institution (aka housing loan):

1. Don’t take a car loan. If you do and you are still paying for it, it will be a negative report against you since you have an additional bill to pay. This also applies to some precious stuff purchased through any loan like jewelry, kitchen appliance, etc.

2. Don’t apply for a credit card. If you already have, use it minimally. Still, the more bills you are paying, the less chance your housing loan will be approved.

3. Don’t change jobs unless you’re going for a much bigger salary. Applying for a housing loan when you have just transferred to your new job takes much of the credibility you could have had if you have been with your previous job for years already.

These are just some of the tips I know which Wilmington NC real estate also support.

It started when I was curious about ‘Craiglist Exposed’ but found out that the ebook is for sale from $1.99 to $79. I searched and searched, looking for the same but free. If I can get it for free, why not? These could be the way I can get disney world tickets!

As I searched, I not only found the particular ebook I was looking for but several others, in fact, a lot others, that are useful to help me make money online and develop my online skills.

The list below is what I found, all for free if I join for free, and I even get a $10 sign-up bonus.

All I have to do is visit the ads sent to me and I earn points. The number of ads depend on the categories you ticked. A maximum of 10 ads per day will be sent to you so if you visit them all, you get 10 points. It’s basically an advertising pool and you get a share depending on your effort.

You can get paid by cheque or by PayPal when you reach payout level which is $50 for PayPal and $55 for cheque.

The downloadables are already a great resource for me, which is what triggered me to sign up. I think it would benefit you too so you might as well want to take the opportunity while it’s available.

Or so, the email I received notified me….

It wasn’t the first time. I’ve been receiving such emails telling me that my Paypal account has been limited and that I have to fix it by clicking on a link.

Have you received such?

Don’t click! If you would notice the status bar when you mouse over the link, it’s not from paypal.com but from some site. What will happen is, when you click that link and enter your details, you have given the scammers your login information.

It’s not just Paypal. There are others like banks, commonly.

Many know of this but still a lot do not have an inkling so this post is to warn and help you…and, don’t panic.