What Steven Cousley Does

Make Money Online:  Crawling Before You Walk

I guess you’re bound to have heard the old saying “You’ve got to crawl before you walk” plenty of times, there aren’t many instances in life where this doesn’t apply, and making money online is no exception.

Along with “Head down, bum up”, although not a pretty sight, these two age old adages form the very backbone of what you need to know if you are wanting to make money online. And, contrary to what you may think or read on the internet, the other lessons you need to learn have always applied to offline marketing, and been around since Adam was a boy.

You see, there are no ‘secrets’ to making money online. Internet Marketing is all about mindset. If you’ve been online for any length of time, then just like me, its likely that you get a heap of emails every day expounding the virtues of all these programs designed to make money online. Probably the only difference between you and I is that  it didn’t take me long to figure it all out. I learned to look outside the box.

Sure, there may be some programs that will make you money, but who do you think is enjoying real success? Let me answer that: it’s the program developers. For this reason, if wildly outrageous success on the internet is your aim,  you need to learn to be a leader, not a follower.

There are so many squillions of people trying to make money online, and more appearing everyday (I think the daily number is quite staggering). They all have the same hopes and dreams that you do. So, why should people listen to you? Why are you different? How do you think you can rattle their cages?

To answer those questions, you need to take a time- tested and irrefutable lesson from the world of offline marketing, and that lesson is to do what  everyone else DOESN’T do! Find a unique perspective. A way to do things differently than everyone else, so that you don’t just become another wannabe in a sea of wannabes. Stand out. Be different.

Think of the internet as a fantastic vehicle for reaching a huge number of people and turning our world into one gigantic global community. Nothing more, nothing less. Its not magic. Whether you use this vehicle socially, or to make money, there has never been a time in history where we have the ability to be in contact with so many others, in so many places, and where the power of ‘word of mouth’ advertising and recommendations can be multiplied to an unbelievable level.

The potential is incredible. Learn how to use it. Develop relationships with others and nurture your reputation, trust and reliability. It will pay you back a thousand fold.

Have fun! Enjoy what you’re doing. Aside from the obvious benefits of this, there’s a huge added bonus; your passion shines through! People can feel and sense your passion, and when you are genuinely passionate, it rubs off on them. When you’re doing something you love, it’s not work, it’s play!

You are not an island.  It isn’t necessary for you to  try to do everything yourself. The vast majority of big name, successful internet marketing gurus online will tell you the same thing; their success did not eventuate until they found someone they believed in. Someone they trusted. Someone who showed them what to do, notice I said SHOWED them, not told them, there’s a big difference.

Once you find someone that you can model, the sky truly can become the limit.  And it’s not hard, it just takes the ability of being able to sort out the genuine folks that walk the walk, and talk the talk, and both are vital.  No sense having someone who has the gift of the gab, but hasn’t got a clue as far as experience goes.  And conversely, someone with tons of experience but no idea how to explain it is equally as frustrating.

I hope this  information rings true for you, and you’re finally ready to stop procrastinating and jumping on every latest and greatest fad that hits your inbox. Once this happens for you, it will be like another huge realization – you’ll see the light!.

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When you’re finally ready to stop all the frustration,  and credit card statements that make it look like you’re supporting an entire small country,  go take a look at http://www.secretcashrecipes.com – you won’t be disappointed.

A home line line of credit offers you an easy credit facility using the equity in your home as collateral. You can use your line of credit just like a regular credit card but without the higher rates of credit card interest. The interest you pay is at the same rate as your home mortgage.

You can also save interest on your home loan at the same time by paying extra cash into your account. If you need it, you can easily redraw the cash at any time, up to your credit limit. However while you aren’t using it, any extra payments are saving you interest on the daily balance of your home loan.

If your bank or finance company has the facility, you can even combine your line of credit with your home loan into what is called a home accelerator loan. With this type of loan package, your entire paycheck is deposited into your home loan. You can draw funds as you need them but while your idle cash is sitting in your account, it is saving you interest.

Discuss these options with your bank or broker and find out what will work best for you. It’s your money, make it work for you.

Mortgage accelerator loans are relatively new to the USA but have been common in other countries for several years. In Australia over one third of all home mortgages are actually mortgage accelerator programs. As long as you have a positive cash flow, you too can benefit from this new type of home mortgage.

Simply by changing the way you use your cash, you can save thousands of dollars in interest payments which results in you owning your home much earlier. Rather than having your pay check just sitting in a check or savings account, you can have every dollar of your earnings working to save you interest. Your money is still available to spend as you need it, but until you use it, it is saving you interest every single day.

Most savings or check accounts pay very little interest. By using your idle funds against your daily mortgage balance, you are actually putting these funds to work. Instead earning almost no interest, they are actually saving you you the 5-7% percent rate of your mortgae. Your money is now working for you and will help you to own your home sooner.

Take a look at the video for more information.

Why do people and businesses turn to appliance rental stores for major appliances? The most obvious reasons are the advantage of keeping cash in hand for other purchases, or avoiding the hassle of financing a major purchase.

Most major appliances and even furniture can be found in a rental store. Televisions and home theater equipment are the most sought after items for home rentals. You will also find kitchen and laundry major appliances, such as refrigerators/freezers, dishwashers, washing machines and dryers. Computer equipment is also popular, not just for home users but also businesses who will find tax advantages in renting.

At the end of a rental term, you will usually be made an offer to purchase your equipment. You can choose to continue renting, buy out the item, or choose a new appliance and a new contract. Sometimes the offer to buy the item can be for as little as one dollar.

Rental stores will generally not send you through hoops the way a finance company would. As long as you can demonstrate you have a regular income you should be able to rent the appliances or furniture you need without difficulty. You can walk into the store and in most cases will be able to take home your item the same day.

Another advantage is that for major appliances, the store will usually deliver, install and setup your equipment for no extra charge. If something goes wrong, you don’t pay for the cost of the repairs, the store takes care of that as well.

Before making a major purchase, consider your options. Shop around and find out if the item you want can be rented. You might be able to take home your new computer or home theater system today for just the cost of the first month’s rent, and not have to deal with a bank or finance company. You may even find an offer for the first month free.

Performance of Rare Australian Coins

It’s well known that rare collectible coins have great investment potential and Australian rare coins are no exception. In fact some examples, such as the famous 1930 penny, are among the rarest and most valuable collectible coins to be found. In times of economic instability, investors look towards precious metals and coins for security. Coins can be volatile in the market but are often regularly seen to outperform precious metals.

While uncirculated coins will naturally have the highest value, there is plenty of value to be found in coins of lower quality. For example, a coin that is fairly common in the marketplace, such as an 1889 gold sovereign of average condition, will probably attract a price around 10% higher than the gold it contains. The value will certainly increase with the quality of the coin. Find the same coin in near mint condition and you can expect a return four or more times higher than the intrinsic gold value. In the market for Australian sovereigns, there are around 250 known different date and mint mark combinations, 150 of these are considered common, the rest are scarce to rare.

Gold coins are not the only ones of value to astute collectors. If you can manage to come across an average 1930 penny, expect a return in excess of $20,000. Only around 2000 of these coins made it into circulation and are now very rare. Even more so the proof edition of this coin, only six were produced. Three of these are now in private collections and are valued at over $1,000,000.

It’s not age that has the greatest influence on the value of coins, but rarity and demand in the marketplace. Australian half sovereigns can be more valuable than ancient coins. In the last 5 years some uncirculated half sovereigns have more than doubled in value. In the same period, uncirculated type 2 Adelaide pounds (not as rare as the type 1), have increased from $28,000, to $120,000.

The table below lists some examples of the investment performance of some Australian coins in recent years. For more up-to-date information on coin values, please visit the Australian Rare Coin Ready Reckoner.