Bob Schmuck

I’m all about automation and passive income. How else will I be able to hang out with my beautiful wife and future kids and still make the bucks? As of right now, I’ve got a few multiple sources of advertisers that pay me monthly that I can easily collect the payments on my own. However with my intention to grow and have a lot more people sending me their money. It will become an outsourced task, removing the burden of keeping track of who owes me. When that time comes, I’ll be looking into a way to automate payments.

I was told about PaySimple. I looked into why people are checking into PaySimple. Here are some of the reasons I found:

1. Comfortable with using checks
2. Don’t need a credit card for purchases
3. Tired of paying our competitors’ fees
4. Financial problems prevent having a credit card
5. ACH (Automatic Clearing House) processing

A Merchant Account automates a bunch of stuff that I know I wouldn’t be interested in dealing with when I don’t have to! I just got back from visiting my mom and I want to keep having that freedom even when my business grows. The merchant account looks like something that would simplify things. That would work for me and it’ll work for my customers!

The customers that I would have are going to have Internet access, but there are those who don’t. With PaySimple some of the payment options include payments over the phone or with an echeck.

OK, enough of that, I need to get back to World OF Warcraft… I know nerd alert!

I don’t know about you, but sometimes when I haven’t been focused on my internet responsibilities I get behind. It usually happens when I play World of Warcraft too long-I just can’t stop because I’m sure it’ll only take about 5 minutes to go up to the next level. Of course, the next thing I know, I’m rushing off to work and afterwards doing errands that I should of been doing instead of playing. The only remedy is a late night at the computer.

The other day I was out doing those errands and I passed a candy vending machine (I just love Mike & Ike candy) and was thinking that there should be energy-boosting candy in the vending machine. I was really tired and had to catch up with my internet projects. If I could’ve, I’d grab one for then and have a few for later that night when I stay up catching up. Well, a few days later I see this ad for a vending machine that dispenses Buzz Bite chews-chewable chocolate “energy”. It’s like a cup of coffee in a piece of delicious chocolate! I wish it was me making the big bucks off this vending machine idea!

With Vending Machines you can have the following:

• Business ownership
• Flexible hours
• A product to fill a growing new market
• A business that can expand
• Minimal time required
• Free info kit

A vending machines is a great Small Business Opportunity for someone interested in having their own small business with a minimal investment. The people who are setting up these vending machines have a sweet business. What a way to Make Money, legally providing the world with an energy buzz! Plus it is wrapped up chewy chocolate…what a good life that could be!

As expensive as coffee and energy drinks are getting, I’d pick a 50 cent chocolate candy over coffee or an energy drink. Besides, those things will fit in my pocket…coffee can burn “stuff” while driving and those energy drinks can spill on my cheap keyboard then I’d have to dip into my gas money to replace it plus take the time to head up to the store.

Like most people, I almost always have a few quarters in my pocket, but don’t always have a few bucks for coffee or an energy drink. As these dang ridiculously high gas prices rise, I have to make sure my car gets its “energy drink” before I get mine.

I’m not sure when I’ll start seeing those chewy chocolaty bits of energy where I live, but I’m on the lookout for them and so are others.

Every once in awhile, just relaxing and finding websites that allows me to play Free Online Games is a necessity. For example, on days like this one, the focus needed to work on my online website projects just isn’t there. When this happens, the search begins on finding a website to just waste time playing games. Today, the lucky website is www.online-games-zone.com. Not even being aware of it, I spent around 3 hours just playing these online games. Mainly spending my time playing sports games and racing games. My favorite has been Blood Boxing. You find on the sports games area. It is a very addictive game with it getting really tough in the higher levels.

For me Sports Games have been an all time favorite in mini online flash games. This site has many different types of sport games like soccer, boxing, tennis, pool, skateboarding, and hockey. All in all, kind of stating above my favorite is boxing games. For some reason, the challenge of avoiding the punches and laying some hits on the opponent is exciting. Well… as exciting as a game can be.

Normally, playing Racing Games don’t catch my interest but today about an hour was spent playing car games. The competition vs. the computer was thrilling. In most of the games played I was able to finish and beat the computer. I was really kicking the computers butt on the game “Wheelers – Motobike”. To bad, I didn’t have anyone else to play against if I did I would probably still be playing.

Enough time has been spent playing or talking about playing these free online games, it is time to hopefully get some work done. For the rest of the day, I was thinking of sending my writer some more articles that need to be done. It was great researching some keywords before playing these games because I was able to find some great keywords for some of my information website projects.

At this moment, I’m thinking about everyone that is working at a 9-5 job not having the option to waste a few hours just playing games and still be getting paid. I love being about to spend most of my time spending with my wonderful wife, playing games, working on projects (when I want). I would rather have the freedom from being an Entrepreneur than have the security from being an employee.

A friend of mine asked, “What tips and resources do you have on making money online.” With over 3 years of being an Internet Publisher, it is tough to have specific tips and resources to help others begin making money online. All my tips and resources seem like common sense and everyone knows them. But thinking more deeply, these are not known by everyone. With that in mind, I’ve been thinking about some tips and resources of making money online to help my friend and readers.

1. Start Small Then Grow
   With everyone trying to find the next big thing, it allows us smart one to realize we need to start small to expand our understanding. For example would be when you begin your career as an Internet Publisher. You should start small with a mini five page website to help you learn all the working of managing a website than after some experience expand to a larger website that has the potential to earn more. This concept can be used in many different circumstances.
2. Limit Reading
   You might of notice. It says, “Limit Reading” not “Stop Reading”. The reason for that is I know in the beginning you’ll need to be reading and learning as much as possible but don’t get caught in the trap of just trying to learn and learn without testing. You must limit your reading which will allow you to test new techniques rather it be in Affiliate Marketing, Designing, SEO, Programming, or PCC. Also instead of asking everyone else on forums if a technique works just test it out yourself.
3. Stop Diversifying. Begin Focusing!
   If you talked to most financial advisor, they will tell you to diversify. Then why would I be saying, “Stop Diversifying. Begin Focusing!” Focusing means putting your heart into what your passionate about. That is why before I would ever venture into real estate, I want to be successful online as an Internet Publisher. Diversifying means (to me) your spreading yourself to thin with to many subjects to learn and become an expert.

Resources
For those who need more information on making money online, these are the sites that I currently visit on weekly bases. If you look deeply, each one has many different techniques you could learn and test out.

• Jon Waraas
• Making Money Online
• Bluehat SEO
• Internet Marketing Articles
• Affiliate Stuff

In times of a bad economy, budgets get stretched and debt builds. Credit cards are a big contributor to debt becoming unmanageable. It is best to stay on top of debt before it gets overwhelming to avoid filing personal bankruptcy. When making difficult decisions regarding debt management, be informed about the following:

• Paying off credit cards
• Ways to get out of debt
• Filing personal bankruptcy

PAYING OFF CREDIT CARDS

You may need help paying off credit cards if doing it on your own can’t be done in a timely manner. To pay off credit cards:

1. Immediately STOP using your credit cards. There is no need to cancel them because it can have a negative affect on credit scores.
2. Move the balance from the highest interest card to lower interest cards.
3. Pay the minimum on the lower interest cards on time.
4. Focus on paying as much as possible on the remaining balance of the high interest card until on the highest interest card until it is paid off.
5. Repeat with next card in line

Change the process if you are focusing on credit repair. Get the credit card balance under half the available credit, then move on to the next card and do the same. Have the balance be safely under half so that monthly charges or interest won’t push the balance back up over the half way mark. Once all balances are safely under the ½ way mark, go back to the highest interest card and work on paying off the balance.

WAYS TO GET OUT OF DEBT

Debt reduction is a goal for almost everyone but everyone doesn’t have the self-control needed to reach the goals that will free him or her from debt. Debt counseling can reduce the time it will take to reduce debt and provided support and instruction on ways to get out of debt.

Don’t start any plan to reduce debt, until there is a commitment to not create any new debts. Ways to get out of debt:

• Debt consolidation
• Aggressive budgeting
• Debt negotiation
• Bankruptcy
• Debt management
• Debt counseling

FILING PERSONAL BANKRUPTCY

The word bankruptcy can be scary enough and the thought of actually filing for bankruptcy can be terrifying to some. Be sure to research all other options before choosing bankruptcy. If after researching, you decide that bankruptcy is the way to go, at least you can find peace that it really was the only way to get out of debt.

Common types of bankruptcy:

• Chapter 7-liquidates assets to pay debt (some assets may be exempt)
• Chapter 11-reorganizes debt for a business to maintain business and pay off debt.
• Chapter 13-restructures debt to pay debt (some debt is exempt from restructure)

Avoid filing personal bankruptcy whenever possible. A bankruptcy can stay on credit reports for up to 10 years. This can interfere with getting a job that includes a credit check in the pre-employment screening.

Avoid unmanageable debt by getting out of debt as soon as possible.

Developing an e-commerce business has been a dream of mine for quite a while now but it always seemed so difficult and out of reach until Jon Waraas begun talking about his e-commerce projects:

• buyblogcomments.com
• buyanswerslinks.com

More and more I read and researched, the more the drive within began to grow with one goal in mind… Develop a successful e-commerce! The past success with developing game, information, and blog websites will without doubt assist me in this new business. Another success that is rarely talked on my blog is the success of my father’s carpet cleaning business, which I have been able to watch him build it from scratch. Also with me being part of his business for the past five years has taught me many different aspects of a successful business rather it be online or offline.

The e-commerce business will be a co-owner LLC Company with my mother, Jan Ideas. It will provide a product to other Internet Entrepreneurs, which we have already tested and it sells like hot cakes. Ridiculously good-looking hot cakes! We both are very excited about developing this business together.

The launch of the E-commerce business is mid November 2008.

Great news! I was able to sell the website for $550 the day before we left on vacation. Thanks to khalid, he contacted the person who ended up buying the site. This is the second time khalid has helped sell a site for money to spend on vacation.

An update, we are in Anaheim, California. Right now, I’m sitting on a nice chair relaxing while my wonderful and don’t forget beautiful wife is sleeping on maybe one of the best hotel beds ever. Has it crossed your mind, “How is he updating his blog on vacation in his hotel room?” It is a great story, let me tell you. The day before we left on vacation, my brother-in-law found a brand new laptop at the bottom of a nasty dumpster at my house. He was kind enough to give me the laptop because he knew how much I’ve been wanting one. I have to admin that day was the first time I had to go dumpster-diving but wouldn’t you. I was well worth the dumpster stench because the laptop was a great computer. It has a 2.0ghz processor, 1g of ram, and a 80g hard drive. Now, I know you would of done the same to get a laptop like this one.

Last night we went on Splash Mountain. The ride was great! The people in front of us kept of screaming on all the small drops. I kept on making comment like, “Wow the sound like they are having fun” or “Just think in a sec that can be us” even though I was making those comments, I really did enjoy the rush from looking off the edge right before the big drop. We also went on Space Mountain, which was also great and Indiana Jones, which was disappointing because we had to wait almost 2 hours.

I better get going.