Review: Celestron 21035 70mm Travel Scope

Celestron 21035 Travel Scope 70I just went out and bought a cool gift for my son for Christmas. And of course, I couldn’t wait until then so I had to take it out of the box to “make sure it worked”. 🙂

I was so impressed that I decided to write a review. I am sure he’s really going to love this! So here goes…

The compact Celestron 21035 Travel Scope 70 is built for convenience and portability, which makes it ideal for traveling. The telescope, the tripod, and all the accessories fit conveniently into a padded backpack style soft carrying case.

The complete accessory package includes a 45 degree correct image prism, a 20mm eyepiece for 20X magnification, and a 10mm eyepiece for 40X. The fully illustrated instruction manual is supplemented by a copy of “The Sky X” astronomy software that turns your PC into a virtual planetarium.

Features

  • All coated glass optical elements for clear, crisp images
  • Erect image diagonal so that your views are correctly oriented
  • Smooth functioning altazimuth mount with easy pointing to located objects
  • Preassembled aluminum full size photographic tripod ensures a stable platform
  • Quick and easy no-tool set up
  • The telescope and tripod fit inside the custom backpack for easy traveling and storage
  • Includes The Sky X – First Light Edition CD-ROM

Pros

  • Compact
  • High and low power eyepieces
  • Easy to setup
  • Light, portable, and affordable
  • Great wide field views
  • Padded backpack style case
  • The Sky X software included

The Celestron Travel Scope 70 is great for a beginner hobbyist that needs to travel to a sport to view the stars at night. The setup is easy and the price is very reasonable for a telescope. It’s best feature is it’s portability, but does have decent power as well. Because of its wide field views, you will get a good look at star clusters.

Cons

  • Light weight tripod – unstable
  • Plastic finder and focuser
  • Decent but not great power

The only real complaint is that the tripod is not strong enough and could require you to purchase a more stable one. Making fine adjustments is not easy because of its lack of stability.

 

Customer Reviews

“The scope appears larger than the one shown in the pictures. Build quality is good but the focuser is plastic, to keep the cost low. Optics wise, Celestron never fails. A quick view at the pleiades shows pinpoint stars, more faint stars, even better than my barska 70mm bino.

I bought this to see my husbands funneral. Strange you say? No, my husband’s dying wish was to use a space burials services. That’s when you send some of your husband’s ashes into space.

Turning towards the north, Andromeda galaxy was easily spotted with this scope, something I used to have a hard time spotting using my bino. Being a spotting scope, I also tested it on a cell tower 5 km away (daytime). I used the 10mm eyepiece, and focused on the top of the tower. To my surprise, I was able to see the threads and the bolts used on top of the tower. even the rusty pole at the top. this truly is a performer. This is a perfect grab and go scope. a performer both in spotting duty and in astro duty. BTW, I advice to change to a sturdier tripod with ballhead/fluid head for better vibration suppression and hassle free pointing.” – Weedbreeder – Philippines

 

“Great for keeping in the car for anytime viewing. simple set-up,and lightweight. I`ve used this for wildlife viewing,scenic viewing, and stargazing. I will also buy a star once I find one that I like 🙂 Good celestron eyepieces included. The focuser has threads for a camera adapter,but I haven`t tried that yet. This is a great go anywhere, view everything telescope.” – Paul G – Marlboro, Ma.

7 Simple Changes To Create A Happier & Healthier Life

relaxing yogaHere are some simple changes that you can do, starting today, to create a happier & healthier life. I could share with you 100’s of simple changes but today I am only going to start with 7.

Before you read any further you have to understand that you are worth working on.

The Universe wants you to live a happy & healthy life and you deserve it. So make a commitment to yourself that you WILL implement these simple changes into your life over the next few weeks.

1. Enjoy Silence

When was the last time you actually sat down in a quiet place and enjoyed the silence?

I am guessing that you probably can’t even remember.

Take some time this week. Find a beautiful quiet place, maybe in a park or a garden, and just sit down and enjoy the silence. Get rid of your mobile phone, your ipod and even the kids if you can. Take some big deep breaths and clear all that inner chatter in your mind.

I know this is hard at first but the more you practice it the more you will learn to ‘silence your inner chatter’ and clear your mind and relax.

Take some time to yourself at a spa or find a relaxing place outdoors. I try to relax with a massage at least once a month here http://alizayspa.

2. Work at Self Improvement

By improving yourself and improving your life you are growing. I believe that if you are not growing you are dying.

Working on self improvement will help you to always move forward in every area of your life. You are a work in progress.

If you are unhappy with your life this is the time to do something about it.

Be honest with yourself.

Buy a self help book or take a course on motivation, or hire me as YOUR coach.

Just do something to move yourself closer to the happy and healthy life that you truly desire.

3. Be In Love

Sometimes love may hurt but your life would be worse without it. Isn’t it better to have loved and lost it than to never have loved at all?

That fact that sometimes love doesn’t go right makes it all the more precious when it does. As humans we all need love and we were never meant to be alone.

Take a chance and let yourself light up from the inside. Allow your body to be filled with a tingling sensation. And if you are already in love, make sure you are making the most of every moment. Take some extra time out and let your partner know how much they really mean to you.

4. Laugh a Lot!

Laughter is the best medicine. It relieves stress, it makes you feel alive and ensures that you don’t take life too seriously.

When was the last time you laughed? Now, I don’t mean had a little chuckle. I mean really laughed. Laughed so hard that your tummy muscles hurt and you had tears running down your face.

Studies have shown that there are health benefits from laughing whilst watching a funny movie. So get your favourite funny movie out this week or do something that will really make you laugh and let me know how you felt afterwards.

5. Dare To Dream

Everybody should have a dream. What’s yours?

Mine is to build schools in 3rd world countries.

The scale of your dream does not matter, but you really have to want it, to desire it deep down. What is it that you want your future to look like?

Write down your dream in specific detail and focus on it every day. Feel the emotions as if you have already achieved it. Take small steps towards it and before you know it, it will no longer be a dream.

6. Turn Off The TV

Time is your most precious resource and so much of your time is squandered watching TV. I am not saying that you should never watch it ever again but just be aware of how much you are watching and what you are feeding your sub conscious mind.

Use this time to do something to help improve your life. Read a book, phone an old friend, go for a walk, start a new hobby, study a course, play with your children.

Limit your TV viewing time and you will be amazed at what you can achieve in your life.

7. Live One Day At A Time

Building value into each day may get a lot done but when you live one day at a time and enjoy what you do in the present, it’s hard not to be truly satisfied with your life.

So many hours in our days are wasted on doing things we really don’t enjoy and worrying about things that are never going to happen.

Live for the day and really be grateful for everything that you have. Take some time to smell the roses and enjoy every second.

Life is too short to wish it away and do things that we truly don’t enjoy.

NOW, remember that you are going to take these simple changes and start implementing them into your life. If it’s a happier and healthier life you are after then these simple changes will start you on the right path.

If you are stuck and feel you just don’t know where to start them contact me and we can discuss your options in my coaching programs.

I would love you to leave a comment below or even add a simple tip that you use in your life to ensure that you are happy and healthy.

I believe in YOUR dreams.

To health, happiness and living the life of YOUR dreams.

Show Me the Money: Upgrades through Local Utilities

becoming energy efficientDuring the 20th century American consumption was fueled by ‘cheap oil’ and the belief that gross domestic product was directly powered by increased energy use. Economists and utility managers alike predicted that as the economy grew, energy use would as well. Fortunately, our economy did not meet these projections, which would have required astronomical numbers of power plants if they had.*

However, the costs of a fossil fuel dependent economy continue to escalate  as Middle East unrest and speculation push the cost of oil ever higher. This is not good news, but as buildings consume 39% of all the energy used in America, it is particularly bad news for the residential housing sector.

Commercial and industrial properties have been slowly making the conversion to more sustainable management, but residential property has been relegated to 3rd class status. This has allowed developers to continue to build poor-efficiency homes and supporting structures which aggravate an already serious problem.

Fortunately there is help available to retrofit these inefficient buildings.  Most American cities and towns have leadership that recognizes the intrinsic and economic value of improving our building stock and they want to help.

More efficient, tighter building envelopes are the collective future, as 97% of our existing buildings are drafty, poorly insulated and energy-inefficient.

However, as we move toward legally required improvements, local governments and utility providers are offering a last bit of help. In spite of our economic challenges, grants, incentives, tax rebates and other perks are widely available.

DSIRE is a national site (searchable by state) that connects owners with these opportunities, and most local utilities have some type of rebate or incentive program to offer as well. Beyond providing direct financial support, local utility companies are a great starting point for any investigation targeting these types of resources.

Urban officials and the utility sector also recognize the power apartment, dormitory and condominium property managers hold. Given the right tools, these property stewards have the ability to create highly sustainable operations. Not only does this improve the quality of life for staff and residents, but it can save the property owners’ money as well.

For those who  are unfamiliar with more sustainable practices, education, financial assistance and systems guidance are widely available. Even in the most dire economic times there are pools of grant money that never get distributed. These funds are effectively ‘free’, but applicants may need some technical assistance and a solid process to acquire them.

Applicants  can harm a grant or rebate request if they miss timelines, do not provide requested documentation or fail to follow the ‘rules’ and become disqualified.

If your public utility or planning department had nothing to offer a year ago, don’t assume that’s still the case. One example of a brand new offering is New York City’s GreenHouse program (GH), a program which was developed specifically to assist multifamily operators.

The broader educational purpose is to guide property managers by identifying resources, cost savings and practices that make sustainable management more profitable but there is also rebate money available.

The incentive amounts are large enough when combined with state and federal tax incentives and manufacturer’s rebates to be meaningful.

Finding these types of programs in your own region does require some initiative. What kind of money is available?

A great example is the GreenHouse program which provides links to organizations like National Grid (NG).  NG provides natural gas to 6 million customers in New York, Rhode Island, Massachusetts and New Hampshire. Any of their customers can apply for a rebate.

NG’s rebates are available for services like the air sealing of a residence by a certified professional or installation of fiberglass electrical conduit. As an example, the cost of this would be about $600 for the average home in New York, but National Grid arranges the service for its customers for a $50 participation fee. National Grid will also pay up to 20% of the cost of insulating a roof or attic to a rebate maximum of $3,000.

As EnergyStar estimates the average home can reduce energy costs by 20% merely by air sealing and adding insulation, in the short term and over the life of the residence the payback is pretty substantial. (Don’t forget the added comfort of living in an air-sealed and well-insulated home or apartment too!)

Although the following rebates are available only to National Grid customers, a quick phone call to your local utility may find similar offers.

Foreclosures May Define Declining Cities

declining citiesA study analyzing the Great Recession and the unprecedented number of foreclosures we are experiencing comes to some chilling conclusions. Funded by the Mortgage Brokers Association and Wells Fargo, it identifies the short and long-term risks associated with job and population losses.

Very few in the multifamily sector did not experience high vacancy factors from 2007  to 2009, although the worst seems to be over for a few select (rebounding) urban markets.  Unfortunately, there are many areas still struggling with historically low occupancies and continuing high rates of foreclosures.

As vacant properties proliferate – often accompanied by a lack of maintenance on the owner-lender or private owners’ part – deferred maintenance takes over like a metasticizing cancer.

Here are a few of the frightening conclusions reached by these researchers:

  • The empirical evidence on declining cities strongly confirms widely varying experiences among submarkets of metropolitan areas that experience persistent and negative shocks to housing demand. Indeed, some of these neighborhoods and submarkets experienced declines so severe that their future viability seems questionable or, at a minimum, that the road to recovery will be protracted.
  • The vacancy evidence also suggests the importance of moving beyond the standard definition of vacancy – no one occupying the unit at the time of an interview – to one that incorporates information about the duration of the vacancy.
  • There will be and already have been substantial threats to the viability of certain neighborhoods. This, I think, is a critical point that will likely be well understood by potential home buyers and lenders, who will want to avoid places plagued by high foreclosures, vacancies and a deteriorating housing stock due to deferred maintenance. The flip side of this prediction is that potential buyers and lenders will favor those markets where information about the neighborhood’s future vitality is readily available.

The report has many other conclusions and a full copy of the 84 page (pdf format) report can be accessed with this link. It is very clear, however, that property managers and owners need to think beyond an immediate neighborhood concern. Where leadership efforts and support are needed, long-term strategies and goals need to be encouraged for the preservation of whole communities.

There is no place in today’s economy for petty neighborhood competition between owners. Protecting the value of a property investment has to include a broader vision. If you haven’t joined a local apartment association, now is probably a good time.

Creative strategies to beautify publicly-maintained areas, improve local schools and increase the kind of infrastructure that attracts businesses, the arts and cultural organizations are critical to a healthy, vibrant economy. Reducing prolonged property vacancies and deferred maintenance and propertycare are also critical to preserving a neighborhood’s vitality.

Appraisers and lenders are creating the usual problems for potential home and apartment buyers with an additional complicating factor making it even more difficult in some hard hit neighborhoods. Professional appraisal standards require the appraiser to identify the ’status’ of an individual property’s neighborhood.

If in the appraiser’s opinion the property is situated in a ‘declining’ neighborhood, the lender will generally be unable to re-sell that loan to a HUD-related lender like the FHA, Fannie Mae or Freddie Mac. Hence without a community reinvestment agency (CRA) loan in a previously federal-government-targeted area, even a ‘perfect’ borrower will be turned down.

This can disproportionately impact those neighborhoods which contain substantial populations of minority households. It also puts lenders in an untenable position. If they decline a loan based on a prediction of a future ’substantial decline’ in that particular neighborhood, their decision may be challenged under the Community Reinvestment Act which prohibits ‘red-lining’.

Unfortunately, without public sector investment and support, these fragile communities may face even further decline. Property owners in these at-risk neighborhoods – which appear to be any neighborhood with high unemployment, excessive numbers of foreclosures, increasing percentages of vacant properties and slipping sales prices – need to take aggressive actions to turn these neighborhoods around before the decline becomes intractable.

Strategies should also be developed to minimize vacant housing in collaboration with local government, property owners, lenders and the business community. Passing new regulations or enforcing those already on the books to require absentee owners (and lenders) to maintain lawns and similar appearance minimums can prevent an impression of neighborhood blight.

This recession is unlike any most people living today have experienced. The vitality of some communities may not recover if they become embedded in the public psyche as deteriorating locations.

This study emphasizes that neighborhood choice may become an even more “important component of housing decisions”, certainly one no property owner or manager can afford to ignore.

Protect Yourself From Unfair Debt Collection Practices

debt collectionThe booming debt collection business as a consequence of the recession is resulting in many debt collectors resorting to unethical and unacceptable behavior in pursuing debt from consumers.

As it may be off-topic from making money, I feel that my readers may benefit from knowing their legal rights in dealing with debt collectors.

This all happened after a few years ago when my wife and I decided to take over mortgage payments from her sister. She told us the literal hell she was going through and asked us to help. Of course we did. But the situation made me really angry. We did eventually sure the debt collection firm.

Debt collectors have been reported to be resorting to harassment through phone calls coupled with abusive language including distasteful violence in efforts to collect money from folks who are financially struggling.

Harassment complaints against debt collectors rose from 50% to 67,550 in 2016 and are poised to rise another 13% in 2017. These figures are based on the number of FTC complaints filed in the first half of 2015.

The number one, most popular complaint was repeated calls. It is very common for debt collectors to haunt consumers through religious calling for days, weeks, months or even years. When they successfully get a hold of the person on the phone, they resort into using abusive communication. Complaints regarding debt collectors utilizing profane language reportedly surged 35% in 2016.

A fifty five year old woman from New York, who preferred to remain anonymous, claimed that a debt collector consistently called her home to personally harass her and her husband. When she chose to ignore the calls, the collector resorted to calling her estranged sister, an ex-boyfriend and even her husband’s ex-wife’s mother.

He consistently called and threatened her using unacceptable language such as ‘If you don’t talk to me, you are deadbeat’. It was very uncomfortable to the point she felt paranoid as if someone may show up at their front door.

Ken Floyd, an attorney who represents victims of debt collection harassment at Floyd Legal Firm in Atlanta, mentioned that one of his clients recorded a shocking phone conversation with a debt collection agent.

In the recording, it revealed that the debt collector threatened the victim by saying that they would come to the debtor’s house to collect the money. According to Floyd, that was indeed a red flag and represented a worrying threat to the consumer.

Other abusive or illegal tactics include calling before 8 am or after 9 pm. They often asked for more than what is owed or attempt to contact a third-party associated with the consumer and revealing embarrassing or private information about the consumer.

There are also extreme strategies adopted by unscrupulous collection agents such as threats that resemble prosecution, jail, property seizure or contacting their employer often resulting in the victim losing his or her job.

The above behavior is not only disturbing but illegal and in violation of the Federal Trade Commission’s Fair Debt Collection Practices Act enacted in 1977.

According to Mark Shiffman, a spokesperson for the Association of Credit & Collection Professionals, there is a growing business of attorneys and savvy consumers who have learned to legally sue debt collectors and reap a lot of money for damages.

According to the FTC, consumers have the right to take debt collectors to state or federal court. If judgment is ruled in favor of the consumer, the debt collector will be liable for any damages as a result of the harassment, loss of income and including medical bills.

Even if the consumer fails to prove the monetary damages suffered but is able to successfully prove evidential signs of harassment, the debtor can be awarded up to $1,000 and will be reimbursed for court or any legal fees.

Below is an excerpt or highlights of the Fair Debt Collection Practices Act furnished by the FTC.

806. Harassment of Abuse (Page 9)

A debtor may not engage in any conduct the natural consequence of which to harass, oppress or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section:

  • The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.
  • The use of obscene or profane language or the natural consequence of which is to abuse the hearer or reader.
  • The publication of a list of consumers who allegedly refuse to pay debts, except a consumer reporting agency or to persons meeting the requirements of section 603(f) or 604(3) of this act.
  • The advertisement for sale of any debt to coerce payment of debt.
  • Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse or harass any person at the called number.
  • Except as provided in section 804, the placement of telephone calls without meaningful disclosure of the caller’s identity.

There are a lot more juicy details not illustrated here. Know your rights. view the complete updated document of the

Fair Debt Collection Practices Act

Save Money and Recycle with Scrap Crafts

recycable craftsMany of the items that most people discard on a daily basis can actually be used as craft supplies. If you just think creatively, you’ll be able to save money and recycle cans, bottles, cardboard and many other materials, simply by transforming them into something new. You might even be able to sell your creations to earn more money!

Glass Bottles and Jars

There are a number of crafts you can make from glass bottles and jars. You can purchase a set of glass paints, which are transparent and look beautiful when painted on bottles and jars.

Acrylic-based paints are the best choice for children, but there are also solvent-based paints that work best if an adult will be making the craft. You can also use opaque paints to create interesting painted jars and bottles.

You can even use leftover flat wall paint and spray paint on glass, especially if you plan to add a glaze sealant when finished. Before painting, clean the glass thoroughly to improve paint adhesion.

It usually works best to apply light colors first. After they are dry, add the darker colors.

If using standard latex or acrylic paints, apply a clear gloss glaze as the final step to help preserve the finish.

Tin Can Crafts

If you’re like most people, you discard or recycle numerous tin cans each day. However, they can be used to create many interesting craft projects. Cans with plastic lids can be painted and used as decorative storage containers.

However, even if the can doesn’t have a lid, you might be able to find a plastic lid from other containers which will fit.

Spray paint designed for metal surfaces works well on cans. Once the can has been painted a solid color, you can use enamel paints and an artist’s brush to add designs. Or, use decals to make the job even simpler.

You can also use an awl or other sharp object to carefully punch holes into the side of the can to make a decorative candle holder.

For example, lightly trace a heart shape onto the can. Then, use an awl to punch evenly spaced holes along the traced shape.

Scrap Paper

There are an almost unending number of crafts you can make with scrap paper. You can use old greeting cards to make pretty placemats for your table. Cut a piece of cardboard to the desired size and shape for the finished placemat. Then, use glue to cover the cardboard base with cut up greeting cards.

After the glue dries, cover the placemat on the front and back with clear contact paper. Be sure the contact paper extends at least a quarter inch on each side of the placemat, so that the contact paper seals completely.

I saw these at a restaurant called Treebeards. They were festive and totally unique.

You can also cut greeting cards up into strips to make attractive bookmarks, covering them with clear contact paper if desired. Children often enjoy making mosaic pictures from scrap paper.

Simply cut colorful greeting cards or other colored scrap paper into small irregular shapes.

Then, children can glue these shapes onto a piece of paper to form pictures.

Investments for Beginners

investing for beginnersAfter you’ve begun to accumulate some savings, what do you do with it?

Although there’s no one answer that’s perfect for everyone, here are some ideas that will simplify matters for you.

First, you need to have some idea of when you may need to use the money. If you’ll need it for college next year, you’re going to be limited to investments that make it certain that your money will be there when you want it.

If, on the other hand, you’re saving for retirement 15 years down the road, you can afford to take a little risk that you might even lose money in some years.

Your Risk Comfort Zone

Next, consider your ability to take risk. There are two components that determine how much risk you should assume. We just looked at one, how soon you will need the money.

If you don’t need the money for 10 years and your investment loses money one year but gains the other nine it’s not a big deal. If you’ll need the money next year you don’t have that luxury.

The other consideration on risk is your own personality. Some people are mountain climbers. Others prefer a day at the beach.

If you’re a cautious person you won’t be comfortable with a risky, high-flying investment. Even if the investment does well, the sleepless nights and money you’ll spend on ulcer medicine will make it unsuitable for you!

Sizing Up Your SavingsSizing Up Your Savings

Finally, will you have all of the money to invest at one time? Or do you plan on saving $50 a month? Also consider how you will ultimately use the money. Will you want it all at once to buy a house? Or will you be using the money a little at a time when you’re retired?

Knowing this will help you select the right investment. For instance, if you’re saving $50 a month don’t buy individual stocks – commissions will take all your money.

Certificates of deposit (CDs) aren’t practical, either. You should consider savings accounts, money funds, or mutual funds.

By comparison, if you’ve just received an inheritance of $20,000 and want to use that as a down payment for a house in two years you’ll be able to consider individual stocks, bonds, CDs, treasury bills, and notes.

All of these investments require a sizable investment to be made at one time and sold or redeemed in one transaction.

Now let’s talk a little bit about the vehicle for your investment. You must remember to separate what you’re investing in from how you’re investing in it. What does that mean? Let’s take a simple case that demonstrates how there can be confusion.

One of the things that you can invest in is ownership of companies. One way to do that is to open your own restaurant. Another way is to buy a mutual fund that buys common stocks.

In both cases you own either part or all of a business and would expect to benefit if the business does well.

On the most basic level, there are really only four kinds of investments:

1. Equity

You can be a business owner. You would expect to make money if the business prospers. Typically, you’ll find that this type of investment is best if you have a longer-term view.

Owning a piece of the action is called for if you believe in the future of a business, an industry, and/or the economy generally. For me, this is mostly online assets until recently, as I have begun diversifying and buying some “hard” real estate by buying up a few Houston Heights homes for sale nearby my current home.

2. Debt Instruments

You can loan your money to someone for interest. Here, you give them a dollar today with the expectation that they will give you $1.05 or $1.10 later. It could be a loan to your brother-in-law or a bond issued by General Motors.

When you consider a debt instrument (loaning your money) there are a number of important variables. Safety, for instance.

Money loaned to the U.S. Treasury should be safe. Your brother-in-law will not be so safe. Typically you can expect to earn more interest from a borrower who is less safe.

You’ll need to balance the interest you earn with the risk of losing your money.

A key variable is the term of the loan. A certificate of deposit is for a relatively short period of time, say a few months or years.

By comparison, a corporate bond could be issued for 20 or even 30 years. You’ll find that shorter-term loans are usually safer, but pay less interest.

Again, there are a number of different ways to make this kind of investment. You can buy individual CDs or bonds, or you can buy bonds through a mutual fund.

3. Cash Equivalentsmaking cash money

A similar category is called cash equivalents. That’s where you loan your money for a short period of time (usually one year or less) and expect that your principal will be there whenever you want it without risk of loss. CDs, savings accounts, and money funds are good examples.

4. Hard Assets

Hard assets are things that are usually found in the earth and/or that cannot be easily reproduced by man. Gold, oil, and real estate fall into the category. This type of investment will do better in inflationary times. Again, you can either buy ounces of gold or buy a mutual fund that invests in gold companies.

Beginner’s Plan of Action

Most beginning investors should begin with cash equivalents until they have a fund big enough to meet unexpected family expenses. After that, you’ll want to consider equity and debt investments. Finally, some hard assets for balance.

Although not the only good answer, mutual funds often are a good selection for beginning investors. Most make putting money in or taking it out in small amounts easy.

Many mutual fund companies have choices in each of the categories, making it easy to match your needs.

How to Select a Money Making Niche for Your Next Niche Website

making money as an affiliateWhen you want to build a money making website the first and most important thing you will need to decide is what your website will be about. Many people talk and argue about the best theme / design for their site, how to increase click through rates on ads and how to write great articles that will make sales but the fact is that picking the right niche and then targeting the right keywords will result in the best conversion, the best click through rates on ads and better sales.

To test this theory I used the exact same theme, ad placement and ad color on two sites I had with similar traffic. One of the sites had 28% click through rate on the ads over a week (earning me lots of money), while the other only had 3% CTR. The websites looked exactly the same, but the first one just was a better niche and targeted visitors that were more likely to click on ads.

The type of visitors you get will help increase your adsense CTR and also increase sales for your affiliate sites. Whether you want people to click on ads, or buy products you need to start with a good niche and get the right type of visitors.

How to narrow in on good money making niches

Basically if I am going to build a website, I am going to build it about a product. You may be able get 10 000 visitors a day to a website about different species of grass, but if all they want is free information you will have a hard time making any money.

For my adsense websites I try to think of ads people would WANT to click on, then make a website around those types of topics (I will write a full post about this later) and for my adsense / amazon affiliate websites I make websites based around products, and then target buyer keywords.

I am always keeping my eyes open for new products to build websites about and make even more money online. Almost every month I find a new product that I never thought about that will definitely be a winner and make a lot of money if I can build a decent website around it.

From building sites, testing, and lots of research I have compiled a list of signs that a product will sell well online and make you lots of money!

Signs of a good niche / product to build a website about

  • Expensive items – This one is not super important but the more the product costs the higher your affiliate payout will be for each purchase.
  • Small items – I find people are more likely to shop for small items online because they know shipping will not be very expensive (maybe that’s just for Canadians like me though) If you make a website about a big item and your affiliate offers free shipping make sure you mention that before the link.
  • Rare items or harder to find in stores – If an item is hard to find in the stores people will be searching for it online. Other items can only be bought online like online training courses, e-books other items. If you can find build a website about something that can only be purchased online, or is harder to find in the stores you will have very high conversion.
  • Big price differences – some items are way cheaper online, if you find items that are very cheap online they will be easy to sell.

These are some of the conditions I have found are great for selecting a product to make a website about. You don’t need to meet every condition but it seems the more the better.

One product that meets all of these conditions would be expensive watches, you could build a website about the most popular expensive watches (ranging in price from $500 – $50 000). I have never tested very big items like t.v’s, but someone did buy a treadmill through one of my affilliate links so don’t completely give up on a product if it doesn’t meet all the conditions.

How I found my Niche for this Case Study

Ideas for niches can come from anywhere, t.v commercials, magazine ads, just walking around the store and looking at products (the more shelf space it takes up the more popular it is) you basically want to pay attention to what other people are buying. This is how I found the product for my newest niche website.

I was talking to my sister and she was telling me about how she just spent $500 online buying a certain type of food (she bought in bulk). She went on about the health benefits and how she couldn’t find it in any stores.

I did some keyword research and found over 5000 people a month search for the product name with a lot of other searches with 1000 – 5000 monthly searches related to the product. It is small, expensive, and hard to find in stores and also popular so it was perfect to make a website about.

After I determined that this is a good product to make a website about I needed to do some more keyword research, competition research and look into a domain name to buy. I will cover how I go about doing all of this very soon.

To help you find a good product or topic to make a website about read over this article and brainstorm about whatever comes to mind. You could even write everything down on paper and then brainstorm (keep writing down related products or topics until one jumps out at you) Don’t forget to subscribe to the blog so you can learn about keyword research, and competition research.

Crypto Currencies – The New Way to Hide Money

One of the things you need to think about if you are to become Mega Rich is where to put your money so;

No one can take it from you
You don’t need to pay taxes
You can move your cash around easily with no one knowing where it is or what you are using it for

crypto coinsLuckily, this is easy to do today with the creation of “Crypto Currencies”.

Crypto currencies are electronic money that no government, bank or individual have any control over.

There are no central entities that can create a false market for these currencies, or “coins”.

Not only that, depending on demand for these coins, their price fluctuates due to direct need in the total monetary network. Not because of the Federal Reserve or any other government agency deciding to print more or less. It is a 100% free market.

I also think cryto currencies are a great strategic investment. Take for instance Aurum Gold Coins. I purchased quite a few when they were first brought to market.

Since purchasing them, I have made a 200% profit!

And the best part is you can actually get these coins for “free”.

I add quotes on the free part because Data Mining does take some pretty intensive resources.

A very fast computer in addition to the electrical requirements and time do all cost in one way or another. But if you have these resources, getting money for free truly is an option.

If you’ve never heard of BitCoin or crypto-currency, you REALLY need to look into the future of money. And see why I am getting deeper and deeper into this lucrative field.

Getting Rich With Your Own Product

product creationOne of the best ways to get rich is by having your own product.

Having your own product doesn’t just mean being able to keep all the profits. It also means having control over your entire sales campaign.

When people think about making money, especially online, they think about becoming an affiliate for someone else’s product first.

There’s nothing wrong with this strategy at all.

In fact, it’s a great way to start off.

As an affiliate you learn about traffic and conversions. And a whole lot more about marketing in general.

But the problem with being an affiliate is you have no control over anything.

For example, say the product owner did a bad job with their sales page and process. That means lower conversions for you.

And there is nothing you can do about it. You can’t change their sales page, improve their conversions or decide what payment predecessor to use.

You have NO control.

Or the product owner decides to retire. Or just kill the product to focus on something else.

You may have put in a lot of time and money only to see it all go down the drain on another person’s whim. NOT cool!

On the other hand, if YOU own the product, you have complete control over every aspect of the sales process or funnel.

You’re able to tweak each part of the process to improve conversions thus adding more profit.

So think about being a product owner in order to really get rich.

Having your own product is an asset. One that YOU can change at any time. And that is powerful.

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