As the internet gains popularity, so do the revenue-earning opportunities that arise out of it. And with the economy being in the poor health that it is, more and more people are looking for that financial boost from the internet. One of the best opportunities that the internet offers is to start an online marketing venture.
To make a success
of your internet marketing venture it is important to keep many things in mind. Three of these are being shared here by Adam Ginsberg to help you on your way to unparalleled success. 1. Know your audience
: The most important thing to know and understand when starting a business is who your consumers are. Their demographics, which include their age-group, gender, income slabs, locations etc., play a very important part in helping you market your products or services in a focused and efficient manner. The deeper you go in understanding your potential customers, the more profitable you can make your business. 2. Advertise
: Advertising too plays a very important role in running a successful online business. But, before you start advertising, make a strategy for it, which may include where your ads are displayed, using social media like facebook, websites, banner ads etc. There are so many advertising avenues available on the internet and if you target the right ones to reach your target audience, you are well on your way to success
. 3. Budgetize
: For any business to be successful, you need to make money. But, before you start making money, you will need to spend money. Knowing exactly how much you are going to spend will help greatly in getting organized. You will be thorough about where you are going to spend your money. You will do your research before you spend it, expect results after you spend it and feel great about spending it when you get those results.
A successful internet venture will require thorough research, detailed planning and efficient execution. These tips shared above by the internet marketing guru
, Adam Ginsberg will be of great help to you in getting your plan in place. If there are other areas of your business that you need Adam’s help with
, check out the courses that he offers or get in touch
with him for more information.
Finding ourselves in a downward spiraling debt trap is usually an indication that we have allowed things to get out of control. And, emerging from this hole and back to normalcy is usually a long, tough and arduous journey.
There are obvious tell-tale signs, some described here by Claes Bell
, that have “falling into debt trap” written all over them, and if you can see them, you can save yourself a lot of pain by fixing your over looming financial troubles before they come raining down on you in torrents. Adam Ginsberg, the leading eBay entrepreneurship and wealth building coach and mentor
, has some suggestions on how you can emerge from over bearing debt and take control of your life. Wake up and smell the coffee
The first step is to accept your financial situation. If you identify yourself with any or similar situations as mentioned in Claes’s article, then it’s time to stop what you are doing, sit down and have a long hard look at your finances. No one’s been able to reclaim their lives from a financial downfall
by looking the other way. You’ve got to acknowledge that you have a problem, and then find your way out of it. Have a Plan
Compare reclaiming your life from financial disaster to a road trip. Before you embark on your journey to financial recovery, you need to sit down and chart your route on a road map, just as you would before a road trip. The only difference could be that you may prefer the shortest possible route rather than the scenic, longer one. Make your plan as detailed as possible. Your financial plan should have all your debts listed down and your priority to pay them back. Some people prefer to pay back debt
with highest interest rates first, while some others prefer paying off ones with the least outstanding amounts. Adam Baker of Man vs Debt has an interesting view of his own
. Adam Ginsberg suggests choosing the method that you feel will give you the most satisfaction. Live Frugal
If you find yourself in a downward spiral financially, then you need to take desperate measures to save every penny that you can. Cut down on expenses that you can live without. You may have to sacrifice on some of the things that you love, like going to the movies or eating out, but remember you are doing it so you can enjoy them more later, without having to thinks of outstanding debts while indulging yourself. Find cheaper alternatives to things that you cannot do absolutely without. Supplement you Income
Find ways to increase your income. More money
means paying off debt faster
. Take up a part-time job or have a yard sale. Think about ways that you can rake in some additional cash. You can also check out Adam Ginsberg’s eBay programs
to make money online.
Remember, it all starts with your determination to take the bull by its horns. Once you make up your mind, there’s nothing in the world that can stop you from erasing the last penny of your debt in the time frame that you decide.
You can also explore Adam Ginsberg’s secrets of an auction millionaire
to make money online through his eBay programs
Often times we find that home owners who take out a mortgage on their homes end up buying mortgage insurance as well. What Mortgage insurance essentially does is insure your outstanding home loan with the bank as the beneficiary and in the event of your death squares off your mortgage loan by paying the bank whatever is outstanding on your loan. For many people it’s a matter of priority to ensure that their loved ones would not be burdened by their debts when they are gone. But choosing the right insurance
vehicle is equally important for both the insured and their beneficiaries.
Adam Ginsberg, the pioneer in eBay entrepreneurship and now a leading coach and mentor on online business and wealth building
shares his views on whether or not is it a good idea to take out mortgage insurance.
As mentioned above, mortgage insurance comes into play upon the passing away of the insured, absolving his or her next of kin from repaying the mortgage loan. However, there are a few things worth looking into before signing on that dotted line.
More often than not, taking out mortgage insurance is not such a great idea. Here’s why. To begin with mortgage insurance is clearly not in your family’s favor as the insured amount will be paid directly to the loaning bank in the event of your death and your family will not see a dime of it. It is a good idea if you have taken out enough life insurance coverage to cover your family’s needs
apart from the mortgage. For example, if you take out an additional term policy for the same amount of premium as you would have paid on the mortgage insurance then your family would’ve had the flexibility of taking care of more important expenses like other high interest loans than the mortgage and continue to make mortgage payments as before.
Secondly, with mortgage insurance, the value of the policy decreases over time since it only covers the outstanding balance on your loan, whereas the premium remains the same throughout. On the other hand, a life insurance policy will pay your next of kin the same amount in the last year of its term as in the first.
Adam Ginsberg suggests weighing all your options and arming yourself with as much information as possible (read more here
) before taking a mortgage insurance against your home loan.
To know more about Adam Ginsberg
and his great new eBay software
and entrepreneurship tools
As discussed in a previous post
, life insurance is a complicated subject and there are no easy ways to know which one is right for you, how long you should take it for, how much insurance is enough etc. etc. No one can answer these questions for you—you’ll have to work them out yourself.
But, what Adam Ginsberg can do to help you reach a decision about which type of insurance to buy is break down the two kinds of insurance available, i.e., term insurance and permanent, or whole life insurance.
The most basic difference between a term policy and a whole life policy is that a term policy only provides death benefits to the insured person’s beneficiaries in the event of his or her death. A whole life policy, on the other hand, has an investment component along with death benefits which builds cash value over the life of the policy. Therefore, the returns on a whole life policy can be enjoyed by the insured person as well during his or her lifetime.
Secondly, a term insurance policy is taken out for a fixed term, like 10, 15 or 20 years. On the other hand a whole life insurance policy lasts for as long as you keep paying your premiums.
The third basic difference between the two policies is the applicable premium. Term insurance plans have very low premiums compared to whole life policies as a part of the premium for the latter is invested in building the cash value component as described earlier.
Apart from these basic differences, what you should consider when choosing an insurance policy
is the death benefit offered. On one hand you may be able to get a $500,000 term policy, for say, $300 annual premium, but for a whole life policy of the same amount may cost you $3000 every year. Therefore, before you make a decision, you should consider whether you are better off investing in a term policy for $300 and investing $2700 in other investment vehicles with higher returns or if you should hedge your risk and invest in a whole life policy for lower returns.
For more tips from Adam Ginsberg
on finance and how to make money online
read the secrets of an auction millionaire
Life Insurance is a simple and, at the same time, a complicated topic of personal finance. Simple because it serves a very simple purpose—to provide for your family and loved ones after you’re gone or even for yourself in case of loss of income etc. And, complicated because we can almost never figure out how to predict how much we’d need in the future to keep us protected from these anticipated losses. Adam Ginsberg, one of America’s leading internet entrepreneurship and wealth building coaches sheds
some light on the various kinds of life insurance and how to choose the right one.
Various kinds of life insurance Life insurance can be split into two broad categories, i.e., term insurance and whole life insurance. Term insurance
basically guarantees a specific sum of money to be paid to the family of the insured person in the event of his or her death, or in some cases permanent disability as well. Term insurance policies are taken out for a specific period and a specific amount. If the insured person outlives the period of the policy, then the policy expires. In short, term policies are pure insurance in the event of a tragedy, and nothing more. Whole life insurance,
on the other hand covers the insured person throughout his or her life span. These policies include a variable cash value that builds over time
along with guaranteed death benefits. However, the premiums for these policies tend to be higher since a portion of the premium goes into making investments on your behalf for that cash value component.
Choosing the right insurance Now this is the tricky part. There are as many points-of-view on how to choose the right insurance as there are people you know. However, each individual’s requirements
are as unique as the individual themselves and only you can decide which insurance policies will suit you best. There many of your life’s factors to consider while making this decision and Adam Ginsberg suggests a basic approach to analyzing various factors before making a decision. Factor #1 – Your Age
Age is perhaps the most crucial factor while deciding on your insurance policies. For instance, if you are young and single or older with grown up, independent children then you may not need pure life insurance at all. However, if you are married and have children with other liabilities like mortgage or auto loans, then you should have at least one term insurance policy. Factor # 2 – Policy Period
If you have children, then the term period for a life insurance policy should be long enough to cover your children’s college-going age. For instance, if you have children aged 10 and 5, then you should take an insurance plan for a period of 15 years, which will cover your younger child till his or her college years. Factor # 3 – Insured Amount
This again is a very crucial factor that tends to confuse people while choosing an insurance plan. According to Adam Ginsberg, the ideal insured amount should be the one that covers all your liabilities, like your mortgages and auto loans, and a few times your annual income to help your family tide over in the event of your death, and get back on their feet again.
These are the three basic factors that influence your decision while considering taking out a term insurance on your life and should be analyzed meticulously to help you get the right decision.
Keep a look out for more articles on insurance advice from Adam Ginsberg
on this website. And, for any feedback that you may have on our articles, please feel free to write to us
If you are young and have a stable career, then you should look at starting to save for your retirement
(if you haven’t started already). Remember, the sooner you start, the bigger your retirement fund will be. Heck! You may even be able to retire much earlier too. Imagine playing golf or relaxing by your beach house on a weekday by the time you are 45, or even 50. No more Monday blues or rush hour traffic. Sounds great, doesn’t it? It is possible, provided you start building up your retirement fund early, and build it right.
We all know that the economy doesn’t look good right now, but the depression isn’t going to last forever. The stock market’s volatility has eroded many a retirement funds
, and don’t seem to be recovering any time soon. But, there are other avenues where you can invest to beat the volatility of the stock market or the low returns on cash deposits, not to mention the ever growing inflation. For instance if we take the annual inflation rate at 4% (an average of the last few decades), then a fund of $1 million after 30 years will be roughly equivalent to $300,000 in today’s value. So do the math and figure out how fat your retirement fund should be to live on comfortably after you stop working.
Adam Ginsberg, a highly successful entrepreneur and wealth-building coach
, recommends two key areas to invest in that can boost up your retirement fund beyond the cost of inflation.
1. Gold That’s right! The good ol’ shiny, yellow metal. Gold prices have beaten the economic downturn, the crashing stock markets, the economic depression, and have risen the most in the past decade. Gold has always been a practical investment for the pragmatic citizen. The rising inflation and the eroding value of paper money have had little effect on the value of this precious metal. Adam Ginsberg strongly recommends including this commodity in your retirement nest egg. Now, you could buy gold in a variety of ways too. The most common is to buy this metal in the physical form of bullion bars or coins. But remember when buying physical gold that while bullion bars are available at prevailing market prices, coins, on the other hand, are priced at perceived collector value. The second option is to invest in Gold ETFs (exchange traded funds), which too are traded at the prevailing market rates. This way you do not have to take physical possession of gold but instead get fund certificates, which are easy to store and faster to liquidate.
2. Real Estate If “are you kidding me?” is the thought in your mind right now, read on and you’ll know why Adam Ginsberg recommends investing in real estate. Sure, real estate has probably felt the worst brunt of the economic crash in the last few years, which is exactly why it makes such a lucrative investment option. Home prices are probably at their lowest right now and so are mortgage interest rates. So, go ahead and buy yourself a home. Take out a mortgage on it and pay it off. Over years the demand for real estate will grow, because the population will grow and the economy must grow, so the prices will grow. Secondly, once you’ve paid off your mortgage, redirect your mortgage installments to more traditional retirement savings. Third, once you retire you can consider selling off your current home and buy yourself something smaller, which could possibly get you some extra cash to spend in your retirement years.
While these investment options come highly recommended by Adam Ginsberg, you should do your own research before you decide to put your money into them. And, if you come across some more lucrative areas to put your retirement money into, we’d love to hear about them.
Adam Ginsberg helps people to become financially independent with his resources like eBay auction templates, eBay software and other eBay tools. If you want to know more about his resources you can visit Secrets of an Auction Millionaire
, Success with Adam
or even Adam’s main website.
You can also listen to some testimonials from his satisfied customers
Remember how carefree and adventurous we are in the prime of our youth. Remember the exhilaration of landing our first real job (summer jobs in school not counting) and the pride in getting our first paycheck that we end up blowing, in just a day or two, on buying stuff for ourselves, our friends and our family. Remember all the subsequent paychecks that end up the same way and we are broke after just a few days of payday, and live off our friends or family till the next payday arrives. Living for the day sounds like a great motto and there’s no worrying about the future. Soon we are in the middle of our careers, doing well for ourselves and looking up in our lives, planning to settle down, own a nice house, maybe get married and have a kid or two.
That’s when we realize how expensive living can be. That’s the period in our lives where we are only working to make mortgage payments, tuition fees and insurance premiums. Our own dreams and personal goals are put on the back burner till “retirement
”. And then it hits us—we won’t have a salary to live on when we retire—and knocks the wind out of our sails. How are we going to live after we retire, we ask ourselves. How will we maintain our lifestyle? How will we travel? How will we do all that we hoped to do and still make the day-to-day expenses and the monthly bills? By planning for it, of course, says Adam Ginsberg, one of America’s well-known coaches and mentors on internet entrepreneurship and wealth building.
Here are Adam Ginsberg’s top tips for building up a big fat retirement fund that will not stop you from doing anything that you want in your golden years. Top Tip #1 Start Early
That’s right: start saving for your retirement as early as you can. While you may have to cut back on a few parties and extravagant meals, you can put away a lot more when you are young and single than when you settle down and comforts become a priority. Also, when you start saving in your youth, you can put more money in high-risk portfolios that could get you high returns by the time you reach retirement. Top Tip #2 Diversify your portfolio
There are many investment options available for you to plan not only your retirement fund, but also all your needs up to retirement. There are saving accounts for emergencies, IRA and Roth IRA accounts to balance your tax savings and retirement savings, 401 (K) accounts, mutual funds for balanced growth of funds, real estate investments to keep up with inflation and so much more. It all starts with what your goals are and the research you put in. Top Tip #3 Involve your Family
To meet any goals that you may set yourself, it will be equally important to get your spouse’s support in meeting those goals. It’ll be even better if you and your spouse share the same retirement goals, because then you’d both know the sacrifices and hard work it would take to meet those goals. If you have kids, it would be a great idea to involve them in the discussions as well. This will not only teach them the value of money early in their lives, but also the good habits of saving for the future
. And, you never know, they just might surprise you by springing for their college education (or a part of it) themselves when the time comes.
For more tips and tricks on how to build your retirement fund
, or if you have any tips of your own that you’d like to share with us, we’d love to hear from you.
Adam Ginsberg is helping people to become financially independent
with his resources like eBay templates, eBay software and eBay tools. If you want to know more about his resources you can visit Secrets of an Auction Millionaire
, Success with Adam
or even Adam’s main website.
You can also see some testimonials of his satisfied customers
Adam Ginsberg dons many hats: he is an eBay entrepreneur, author, speaker, trainer and mentor, internet marketing guru
, and the list goes on. But one thing that he is not is a FRAUD—which, unfortunately, some people have made him out to be all over the internet.
Adam Ginsberg, very far from being a fraud, is a very successful internet entrepreneur
and he has developed his own systems to achieve success in his internet ventures. And, only after trying and testing these internet based business systems does Mr. Ginsberg bring them out in the market for other people to buy and use in their own business endeavors.
However, while a lot of his customers have invested their time along with their money to understand these systems and use them exactly as they are supposed to be used to achieve the kind of success that Adam Ginsberg claims, there are a few who have misinterpreted Ginsberg’s online business tools as get-rich-quick schemes and have dished out their money on them hoping that these systems would work for them without having to put in any effort of their own. In the case of Adam Ginsberg too, his customers who have failed to extract the true potential of his systems, for whatever reasons, have been quick to jump on to the internet band wagon and started calling Mr. Ginsberg a fraud and his systems a scam.
Many of his failed customers have questioned Mr. Ginsberg’s intentions in selling his systems to the public, when he could keep them for himself to prevent competition and earn more money off of the internet. Sure Mr. Ginsberg could do that, but why would a businessman develop a successful product and not sell it in the market? It does not make good business sense. If an entrepreneur has invested his own time, effort and resources in developing a unique product, and if he stands to profit more from selling his product in the marketplace, then it makes perfect sense for him to do so. And Adam Ginsberg does exactly that. Occasionally, there are complaints about the high prices that Mr. Ginsberg charges for his products. Again, like any successful businessman, when Adam Ginsberg has faith in his products
, their uniqueness and what they can earn for his customers, he has all the right to charge what he feels is appropriate for his products. Profit is, after all, the prime objective for any business, and the fact that Mr. Ginsberg has been successful, and has helped many others to be successful too, is probably the strongest argument there is against the alleged “Adam Ginsberg fraud”.
So, the question to ask is whether we should believe everything that we read on the internet without making an effort to verify the facts for ourselves, or if we should try and gather as much information for ourselves before we form our own opinions about a person and his business. Especially when you see something labeled a ‘scam’ or a ‘fraud’, you’ve always got to check to see who’s complaining, and for what reasons the complaints are being made. If you have heard about the Adam Ginsberg fraud story, and want more information about this alleged fraud, you can get all the facts directly from Adam
Ginsberg himself by contacting his office
and making an appointment to speak to him.
April 15th has come and gone. Many of us are still wiping the sweat off of our brows from all the frantic activities of saving some tax and filing our returns. And many of us have made a new new-year resolution
—one that we make every year around this time—to never leave our tax planning and filing for the last minute
. If only we could hold ourselves to that one.
But, for those who are more determined than last year to take this latest resolution more seriously, here are some tips on better tax planning for the next year from Adam Ginsberg, one of the leading coaches on wealth building and management. Tax Tip #1
Itemized Tax Deductions Vs Standard Tax Deductions
The 2009 IRS data shows
that 45 million Americans claimed more than $1 trillion in tax deductions by itemizing them compared to the 92 million tax payers who only claimed $700 million by way of standardized deductions. Going by these statistics, it does not take a math genius to figure out that itemized deductions are better
for your financial health. This should be incentive
enough to get you started on next year’s tax planning early. Adam Ginsberg suggests that you consult a tax accountant as soon as you can and understand the various heads that you can itemize your deductions under. Next, you keep track of any expenses that you incur under these heads and bring them to your accountant before you file your returns next year. Be sure to pat yourself on the back when you compare your tax savings on itemized deductions with your standard deductions that you claimed this year. Tip #2
Make Money on Your Tax Money
If you are already saving some dollars on your taxes by filing for itemized deductions, you could make some more money still by planning your taxes in advance. Adam Ginsberg suggests that you bring out your calculator and figure out how much tax will you owe Uncle Sam next year by taking your current tax payout and adding what you estimate will your tax grow by in the coming year (forecast your income growth etc.). Now divide that figure by 12 and what you get is your monthly tax liability. Now, instead of foraging into your savings, taking a loan, or using your credit card to pay the tax collector together at the end of the year, you could put aside the monthly installment of your estimated tax liability into a short-term deposit or look for other interest-earning venues where your tax money would not only be safe, but will also earn interest for you the entire year. So, not only do you earn interest on your tax money, but also save interest on a possible loan or credit card payment of your tax.
While these two tips should be motivation enough to make an appointment with your tax accountant today, we would love to hear your thoughts on why we should start our tax planning early this year. Leave a feedback comment or drop us a line.
Adam Ginsberg wants to help you to save money by educating you on taxes, which would help you have a financially sound 2013. Read more of Adam Ginsberg Resources
for other tips.
According to the Merriam-Webster dictionary
, a scam is defined as ‘a fraudulent or deceptive act or operation’. And an even simpler definition for kids is ‘a dishonest way to make money by deceiving people’. Take for example, the Ponzi scheme
, or emails from Nigeria
or some other country offering you millions of Dollars in exchange for a small amount of money to execute the transfer. Some scam artists even go to the extent of declaring you lottery or sweepstake winners and just ask you to pay the tax component of your winnings beforehand. Yes, these are scams, but none of them will sell you a product that you can use.
Adam Ginsberg offers products and online business tools
to help those who purchase them. Ginsberg asks people to pay money to buy his products in order to help them generate a healthy income for themselves by using these products. Adam Ginsberg does not scam people; he is not a con artist. He is just a businessman trying to sell his wares. And a successful businessman at that! Adam Ginsberg is respected as a pioneer and one of the foremost authorities on eBay entrepreneurship, having sold millions of dollars worth of products on eBay and other places on the internet for over 10 years.
Mr. Ginsberg has grown from being a successful trader to developing his own system that he has used to make money for himself before putting it out on the market for other people to buy and use for their own successes. He has training programs to teach people how to use his product. He offers a money-back guarantee and a year-long performance guarantee. Can it get any more legitimate than that? These types of assurances and guarantees are not the kinds of things you’ll find in a scam.
But like any other business, there are bound to be some dissatisfied customers. There are people who have found his system, after allegedly implementing its procedures, to be inadequate in their efforts to turn a profit. Their inability to succeed at their venture could be due to any number of reasons, but they blame Adam for it, and label their experience as an “Adam Ginsberg Scam”.
The complaint from these dissatisfied customers is that Adam Ginsberg’s products “don’t work”. The truth is, there are thousands of people out there who are making it work rather profitably. Those that complain about Ginsberg say they don’t get any support from him and his team; but Adam Ginsberg makes himself personally available for any customer who wants to talk to him. He has a dedicated team of customer support officers
available on email and toll-free phone numbers to help with complaints or any allegations of scam or fraud.
Sure, sometimes there can be delays in getting a resolution for an odd complaint, but what business doesn’t have these delays? Adam Ginsberg is human, and so is his business venture. The fact that people have differing experiences of success and failure does not imply that there’s an Adam Ginsberg scam. Different people will use his products differently, and get different results from it. What is sad though, is that people who are unsuccessful or dissatisfied are quick to jump on their keyboards and brand Adam Ginsberg as a fraud and a scam artist on the internet, without realizing that their irresponsible words are accessible to hundreds of millions around the world, and sets off a chain reaction of rumor mills and free-flowing, ill-informed opinions that not only tarnish the reputation of a businessman like Adam Ginsberg but also deprives so many people of the wonderful opportunities that Adam has to offer.
So, if you are one of those people who are not satisfied with Adam’s products, and tempted to consider them some sort of scam, Mr. Ginsberg invites you to get on the phone
and speak to him before you unleash your anger on the internet. Adam is waiting for your call.