Money Making Schemes

Nagesh answers:

Dog walking
Yard cleanup
Snow shoveling
Babysitting/Mother’s helper
Errand runner
Cutting Lawns
Lemonade stand
Yard sale of your old items

Nagesh answers:

Here’s a good list:

-wash neighbor’s car (don’t scratch it!)
-extra chores in the house?
-babysit (If you’re good with kids)
-sell your Wii
-sell old stuff in the house w/ your parents permission on a site like ebay or craigslist

I wouldn’t go for those online surveys and such. Most are fake and require many hoops to jump. They might just take your info and such – make sure to check the bbb.org site to see if it’s legitimate. Protect yourself.

Nagesh answers:

Can’t you just explain to your family your finances? Our family is very open about what we can afford and what we can’t. I guess it’s because one year all my sister and I got was a package of fun chapstick because mom just moved into a new place.

Your wife will certainly understand and if you don’t have $$ for christmas, will you have the $$ to pay back the loan?

Not trying to bash you, we’re in the same situation, we’re selling stuff thats no longer needed to come up with the $$ for some presents because we’re not putting ourselves that farther in debt for material things, not worth it. 🙂

Nagesh answers:

This is a hard question to answer because since you are 15 you really didn’t give us enough information to provide a good answer. First I would ask you where you will be staying when you go South? Will you be staying with family or with friends that are your own age or with your friends family? Being a mother myself it’s sometimes difficult letting your kids be on their own, especially with all the things you see on the news that might happen to you while you’re away. I would say that even though it may not be a vacation for her your mom should consider coming with you so that you can go and she can feel more comfortable about the whole situation. There is really nothing you can say to your mom that is going to help, but acting maturely like you have by not nagging her about it is a definite plus in your corner. About the money. Do you know how much money you are going to need for your vacation? I would say make a budget so that you can come up with a total of what it’s going to take for expenses. To earn money you can possibly babysit for friends and family, or if you are a boy you can possibly cut and weed yards, paint fences, or clean up people’s garages. I would say to make a flyer on your computer offering your services to your neighbors and friends with your phone number on it if you can and post it or put it in your neighbors mailboxes. If not, have your mom let her friends know what you can do for them to make some money. Dog sitting or walking your neighbors dogs is also a great way to make money. You might ask your mom if you can have a garage sale and gather items that your mother, aunts, grandparents might not want but that you can sell. Hope this helps you 🙂

Nagesh answers:

First let me say it sounds like you have very loving parents, have you tried making things or selling candy out your house to the hood kids in your hood? Maybe start a video game contest or something and charge a cover fee or something. Think what are you good at? Can you offer to do homework or take notes for other kids or sell your notes or something hope this helps?

Nagesh answers:

My advice/suggestion: go for word of mouth and beyond that, keep your initial investment low. It will cost you less than 2 pennies to print up some of those tear-off phone number adverts that you’ve seen all over on bulletin boards and that’s including the push-pin (your time with the scissors to slice them into easy tear-offs will be more valuable than that, of course). Post them everywhere you’ve seen anything like that and you’ll likely get a few phone calls; if your random customers are happy, then you’ll get more word of mouth advertisement free.

Also consider whether your interest in massage is more than superficial. Professional training could give you fresh inspiration and sharpen your innate talent. Look around your local area for teachers; you might well be able to pursue massage education in addition to college.

And yes, you could make it a small business, but get some income going from informal channels before you start drawing up business plans 🙂

Nagesh answers:

You are madly in love, not your fiance, she is just mad. If you want to go through life being a whipping boy, that is up to you. If you want respect, respect yourself enough to leave. Never let anyone hit, mentally abuse you, or treat you with disrespect. Love yourself first and then you can get into a healthy relationship with someone who respects you.

Nagesh answers:

Honestly, If I was in your shoes I would go with the cheaper school. Especially if it amounts to the same degree. Most employers care more about GPA and what your degree is than where you go to school. You should think of your college as what will give you your highest rate of return. In this case, it may be to go to Auburn instead of Emory as it is much cheaper to go there and you will have less student loans to pay off in the future. I know this is a very hard decision to make but if I were in your shoes that is what I would do! Hope this helps.

Nagesh answers:

If you want to avoid the online job scams you can start your own home based online business for nothing but the amount you make will depend on your commitment & effort.

For all the details go here >>
http://www.internetbusiness.co.za/online-business-startup.htm

Nagesh answers:

Well, you have several different issues to address:

1) Unemployment. Make sure you work with your unemployment office and get approval BEFORE you enroll in any educational program. In many states, they won’t continue your benefits while you are in school unless it is a program that they approved ahead of time. It’s also possible that they may be able to pay for part or all of the training, so it’s definitely worth talking to them first.

2) Overqualification: You don’t have to list all of your qualifications on your resume. If you’re willing to work for less money, just list the basics. Or address the problem in your cover letter, indicating that you are willing to accept an entry level position, and can offer them more experience and more skill for the same amount of money as a newbie. (Then negotiate for a raise later on when they love you and can’t do without you).

3)Financial Aid for School: You apply for federal student aid by completing the FAFSA (the Free Application for Federal Student Aid) online at www.fafsa.ed.gov. This application will determine your eligibility for federal grants and loans, and is often also used as the basis for determining if you are eligible for state grants and school scholarships. The FAFSA uses your previous year’s tax return to determine your income level, so make sure the schools you are considering are aware that you are now unemployed and have a big change in that income.
If you are a full time student, you will probably be eligible for $9,500 per year in student loans, and possibly for up to $5,500 in a Pell grant. You may also be eligible for other aid from your state or your college.

4) Living Expense Money: Student aid is intended for educational expenses. It is sent directly to your school, where it is first applied to your school’s charges such as tuition and fees. At most private colleges and for-profit career schools, you will need all of your funding to pay these charges. However, if you are attending a low cost school such as a community college, you may have more aid than is needed to cover the charges. If that is the case, then the overage will be “refunded” back to you in the form of a check or debit card that can be used for other educational expenses such as books or other supplies. It is not intended for personal expenses and is not supposed to be used for things like rent or car payments, though it is unlikely that anyone will check up on you to see what you spend it on. It won’t be enough to live on, though, and in most cases, the money is a loan, not a grant, so you will have to repay it with interest after you graduate.

Hope that helps. Good Luck!

Nagesh answers:

There are plenty legitamate and lucrative home based businesses out there. Some businesses are designed for solely customer acquisition based, (no MLM plan) while other businesses have a design for both recruitment and customer acquisition based. This just means getting customers. It’s funny because many people refer companies to a MLM or a pyramid scheme without looking into the entire documentation of how the business model is. I laugh at so many misconceptions I’ve heard over the years with Pyramid accusations, MLM accusations on a variety of different companies. Even companies that are claiming not to be involved in an MLM scheme or “pyramid”. Let’s face it, where do YOU work now? Is it for a small business owner, how about a large corporation, or even inbetween? Unless your jobless, guess what, your part of a pyramid scheme. Here’s why: The American business model is build the same way! Welcome to Corporate America! Get a peice of paper out. Take any corporation or small business, let’s use a corporation as an example. On the top of your paper, draw a circle. This circle represents the Owner or partnership owners, Then write two circles under that (President/ CEO) and the Vice President. Write a few more circles under that and you have corporate management positions. A few circles under that and you have store managers, a few circles under that and you have store department managers, a few circles under that and you have sales reps. Each level on this pyramid scale is a different level of income. The bottom people doing all the dirty work so that the position above them gets paid so that the position above them gets paid and so on and so on. What people don’t realize that but unless it’s a one man show no hired help, no independent representatives, everyone works in a pyramid! Even if it is a one man show, your still feeding Uncle Sam who didn’t work for you at all. But sits on top of the biggest pyramid scheme of them all collecting money from everyone. So are you ready to quit your day job yet? I wouldn’t until your set financially. Like I tell my kids, don’t bite the hand that feeds you! The point is regardless if it’s an MLM, Networking or even down to a shoe store, everything is part of a pyramid. Key thing that if you don’t want to do an MLM scheme and not recruit, then find a home based business where it’s not mandatory to recruit for other people to do what your doing, and their is a compensation plan that is design for non recruitment. Understand to achieve the amount of money that you desire, will take a little bit longer to obtain then getting a few people to help you acquire customers. But the company should give you a choice. If you choose to recruit people, then the income you make from their customers should not be taken away from that persons income at all. It should be equal value. If you decide to open up your own business, and are against MLM schemes, then don’t be a hypocrite and hire someone to work for you, because guess what, you just started your own MLM scheme. It’s a fact of life. You can slice and dice it anyway you want, but like I said, unless your jobless then your part of a pyramid scheme yourself right now. That’s just how it is. Your whole working career has been part of a pyramid.
You don’t want an MLM, network marketing or pyramid, start your own daycare, but don’t hire anyone or you just started a pyramid once again. Also you’ll be limited to how many kids you can take in. Your own kids count as a head count. So if your licensed for say 6, you have 2 kids per say, you can only take in 4.
Unless you want to keep inside your safety zone and not step out of your box and venture into something that can be very rewarding and have your own business regardless of what type of home based business (they’re all pyramid structures, even jobs are) then don’t quit your day job, even though it’s a pyramid structure as well. Don’t mean to be harsh , but it’s the facts of life.
Good Luck to you though!

Nagesh answers:

There are a multitude of problems with your suggestion. The Democrats have fought tooth and nail to keep Social Security from being privatized, that is having you “own” the deposits you have made to Social Security. Nancy Pelosi and her ilk have made a pact where they take your money, spend it as they wish, with a “promise” to pay you back something in retirement. There is no Social Security trust fund. The money has been spent. Like Rick Perry alludes to, it is a Ponzi scheme where you pay into a system which pays benefits to current recipients and future generations (if there’s enough of them and they earn enough) pay for your benefits when you retire. There is no money to pay you back what you paid into Social Security.

Nancy Pelosi and her ilk do not believe you have the intelligence to handle the money you paid into Social Security so will never give it to you until you qualify for it.

Also, please explain why people who were good with their money and never became underwater get to sit by and watch all of those who were bad with their money, got themselves underwater and get to do what they want with this handout? Why should people who were bad with their money get more options with how to spend it?

Nope, Social Security was designed to be a safety net, a safety net you propose to rip to shreds with your proposal. It won’t happen.

Nagesh answers:

I think MSN may be pretty reputable as far as a source, if you look on their Money section, they have an article about real work at home jobs and some of these are for surveys

Nagesh answers:

You’ll get lots of scammers answering here, don’t fall prey. But, at the same time, please don’t listen to the people saying they are ALL SCAMS. They aren’t ALL scams, just MOST of them are!

I’m a single mom of 2 who’s tried over 15 opportunities over 3 years so I have some great info for you on how to find a LEGIT way to work at home plus a list of top 10 work at home scams!

People are looking for work from home and the biggest problem is they don’t understand that there really are NO WORK AT HOME JOBS. You won’t find hourly pay from home. You can look forever, you’ll never find it. The only way to earn an income from home is to find a legit home business.

Small home businesses have increased in the last 5 years by about 200%. People are starting to realize that if you want something done right, you have to do it yourself. The best home businesses to start are those with a proven plan in place like Mary Kay however if you’re like me, you’re not interested in pushing products.

Legit home businesses should have a small cost involved but be careful, all the scams will be charging too so know the business! Talk to a REAL person and ask questions. Less than $500 to start is reasonable and I’d stay away from those wanting $1k – $5k. It doesn’t cost that much to start a home business so don’t pay it. If you’re coming across places that say free then RUN the other way! They never are in the end!

After trying 15 things, I now work about 25 hours per week for a well known and respected company w/ amazing credentials. This company actually helps keep Americans Safe by offering Medical and Dental plans as well as things like roadside assistance, credit repair and National Child ID in partnership with the FBI. We also help Americans save money on things they need and buy every day. The average American household saves $400 a month using these plans.

Anyway, I started with this company 3 years ago and started making $500 a month within 3 months. That income has increased now to $900 a week. No, it’s not $10,000 a day like those scams advertise but this isn’t a get rich quick scheme. If that’s what you are looking for you should think again! The best part is they have 401(k), direct deposit and a health plan from day one.

With this company there’s NO products to sell or store, NO hard selling or pushing, NO Bugging Friends and Family, NO cold calling, NO home parties and NO telemarketing! That was VERY important to me. Figure out what you DON’T want to do as well and make sure you find a company that fits with that!

I work as part of a team with other reps in the company. I had at least 5 of their home phone #’s the day I started. This is a big one: Make sure that you’re going to have others to work with. Don’t find out you just paid a start up cost and you will be trained by someone in a call center who has NO REAL idea what you are actually supposed to do. Make sure you are trained by other reps just like you, and ask for names and numbers! If they won’t give them, walk away!

I was scared at first because there are lots of scams, but this company’s credentials FAR SURPASSED any other I had ever seen. They are members of the National Association of Dental Plans and the US Chamber of Commerce and have been featured in Parent Magazine, Time Magazine, on 60 Minutes and many other places. They are partnered with the FBI on one of their plans that helps American’s protect their kids. This company has an “A” RATING WITH THE BETTER BUSINESS BUREAU! These are some of the types of national credentials you need to be looking for during your search and make sure they have at C or better rating with the BBB.

My point here is to tell you, YES! There actually are legit work at home options so press forward! You will find them eventually!

AVOID these top 10 work at home scams:

10. Craft Assembly
9. Medical Billing
8. Email/Rebate Processing
7. “A List of Companies Looking for Home workers!”
6. “Just pay for and take this class first” Then we’ll give or find you a job!
5. Envelope Stuffing
4. “Turn Your Computer Into a Money-Making Machine!”
3. Pyramid Schemes (this is NOT the same as Multi-Level Marketing MLM)
2. Chain Letters/Emails
1. Typing At Home / Data Entry (The biggest scam out there. 100% of them are scams!)

As for those of you who say: ”I want to work from home but I don’t want to have to pay for anything”. Well, that’s great! But it’s not realistic. Let’s be honest, there is no such thing as a free lunch. If it is a true honest legitimate home business, you need to expect to pay a little something. Mr. Walt Disney didn’t start the Disney empire “without paying for anything”. Neither did Mr. Sam Walton, owner of Wal-Mart.

Good luck in your search!

If you want to know more, want help deciding if something is a scam, or just want to chat with me click on my profile to the left!

Best Wishes to you!

Nagesh answers:

I have a network marketing business of my own and have done a lot of reading over the last couple of years, about selling psychology and so on.

The basic thing is this: Think about when you walk into a, let’s say, department store. Do you like the guy to come straight up to you and shove products in your face and use all different aggressive sales techniques to pry your money away from you and into his cash register?

Or do you prefer to cruise around the store and browse without pressure. If you see something you like, you may decide to buy it.

PEOPLE HATE TO BE SOLD TO. THEY LIKE TO BUY.

Network marketing has a false reputation of being a pyramid scheme, simply because people’s minds are closed to the concept, even though they don’t realise that the company they work for, the church they go to, have the same pyramidical (real word?) heirarchy structure, with the guy at the top making more money than each level below (CEO, then management, then workers).

Sometimes they just aren’t looking for anything like that, they are happy the way they are. They don’t want to have to try and talk people into buying things from them, which is fair enough I say.

Nagesh answers:

1. Mine clay. Sell it dry in GE, mine in the mines by Lumby near the Champion’s Guild. Only need a pickaxe, and Level 1 Mining.
2. Buy/mine dry clay, turn it into soft clay with jugs/buckets of water. It sells for more in GE. No requirements besides a bucket and clay.
3. Kill cows. Not original, but easy. You can try near Falador, Lumbridge, or by the Crafting Guild. Sells easily at GE.
4. Buy/kill for cowhides and tan them in Al Kharid. Cost 1 extra coin per soft tanning, and 3 for hard tanning. Then sell in GE.
5. Buy low, sell high. Watch for GE trends, buy at a low point, and wait for the price to go up. Or buy a lot of something that people need, then sell for about 10gp higher.
6. Buy raw anchovies, cook and sell cooked. People need them for Anchovy pizzas, and you get Cooking XP. You can cook about 1000 an hour at Lumbridge bank with the wood. (Use a tinderbox).

Nagesh answers:

Mine smith then sell ull make money and stuff

Nagesh answers:

Coal takes hours to mine, mine rune essence, its a quick mine, and you get about 20 g each

Nagesh answers:

Umm you probably won’t like this answer but you should get member ship it’s the only fast way to make money other way for f2p is cutting yews for days which gets boring

Nagesh answers:

Seriously dude I know its really annoying having to start again and all but the best way to make money when you have low combat levels is simply to get your woodcutting up and chop down yews and magic trees. It will take you maybe 24 hours of solid gameplay to get to level 75 so you can chop magic trees. That isn’t that bad if you ask me. Also save all the logs you chop and sell them that way by the time you reach 75 you will be able to afford a dragon hatchet and increase your rate of successfully chopping magic trees. Eventually this may get boring so do what i did and get 70 range and kill green dragons and sell their hides and bones =]. If you practice on the demon in wizards tower you can get range up really fast, I got 40 in 4 hours of solid gameplay.

Nagesh answers:

If you want to earn through online, then you can try followings
:-
You can try these sites for Data Entry, Ad-posting Jobs. These are not a Scam or Fraud way of making Money. These systems are 100% legal & genuine and 1000% successful. You can make money in a smart & simple way. For other internet jobs please learn from my blog. Please visit following sites –

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Free to join site: –

Get paid just view ads and refer your referral link (which you will get after registration via mail or you can see it on the top of the home page) to other to increase your earning potential. Please registered yourselves through the following links –

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For more work at home, data entry jobs concept please visit this site http://buildyourincome.blogspot.com.

Nagesh answers:

Hi.

I make tutorial videos on YouTube, they are recorded with screen recordings and are edited together. There are two types of video tutorials:

1. Recorded with Video Camera
2. Recorded with Screen Recorder

I personally make my tutorials with screen recorders, because my tutorials are software based. Screen recorders are used to show people whats on the computer screen through your point of view, without resorting to pointing the camera at the screen. Using a screen recorder is suitable for tutorial makers interested in teaching their viewers how to use computer programs.

If this is you, you will need a good mic, and a screen recorder. It is optional but I also recommend a good video editing program like SOny Vegas.

Here is my set up:

Microsoft Lifechat LX-2000 Headset; $40
Camtasia Studio 5; $300
Sony Vegas Pro 8; $600

Now I’ve been doing this for a long time, and as a result I create very high quality tutorials that are regularly viewed by thousands. You can view them here:
http://www.youtube.com/techtopia

Now, if you want to make a tutorial based on live action things (such as “How to plant a tree”, or “How to do a layup in basketball”) You will need a video camera.

These range from about $90 – $1,000.
The Canon HV30 is an excellent video camera, it records in HD, it has remarkable features, and is easy to set up. It costs about $900
http://www.usa.canon.com/consumer/controller?act=ModelInfoAct&fcategoryid=177&modelid=16206

Again, you will also need a video editing program. Sony Vegas Pro 9 is the new release candidate and its about $650.
Http://www.sonycreativesoftware.com/vegaspro

I would also recommend getting a basic lighting kit. What I do is I go to Home Depot and pick up three work clamp lights, these are like $7 each and clamp to almost anything – this allows you to get the three lighting sets: The key light, the fill light, and the optional back light.

You may also want to consider getting a good green screen and a boom mic. This will improve your video quality.

Think long and hard about your tutorials. Ask yourself things like “Who will be watching my tutorials?” and “What will they already know, and be expected to learn?”

Then write a small script. Don’t read directly from it, just jot down some ideas and think about what to say before you record it – remember that you can edit these out later.

If your looking to start a hobby out of this, try using an Internet pseudonym. Mine is Techtopia.

Tutorial making is fun and can be a great profession. Even at 13 years old, which is my age, I can earn lots of money doing it. I know one tutorial maker, who gets paid on average about $600 monthly to make video tutorials. Just put some time and effort into it, and it should turn out to be an interesting experience. If you need any help contact me on YouTube – http://www.youtube.com/techtopia

Nagesh answers:

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Visit us today…you have nothing to lose with our 100% money back guarantee.

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Nagesh answers:

What You need in my opinion is these three things for legally starting a business!

You need a basic business license: Sole Proprotietership to begin with. Then you need a road map to success. But its great benefits to having your own business

#1 YOU ARE THE BOSS

     As your own boss, you can take complete control over your own financial future.  You determine how much money you want to make, and you decide when, how and where you want to work.  Feel good about yourself every single day being in charge of your won business while earning an UNLIMITED DAILY INCOME.  You’ll get much more out of your life and all that life has to offer.

#2 : YOU WILL BECOME RICH IN THIS BUSINESS WITH BOOKS AND INFORMATION!

     During my extensive  research of the mail-order industry before I started what is now a nationwide mail-order empire, the one secret that I found to tens of thousands of peoples’ success was that they SOLD INFORMATION PRODUCTS.  I found that literally thousands of average individuals, with virtually no money and no business experience, had created simple information products and MADE MILLIONS OF DOLLARS SELLING THAT INFORMATION THROUGH ADVERTISEMENTS IN NATIONAL MAGAZINES.  I found countless stories about average people  who had compiled 20 to 50 page books and reports  and then GOT RICH SELLING THAT INFORMATION in national magazines ranging from A-Z.

     Think about the power of what I am telling you.   Let’s take a closer look at the “moneymaking magazines.”  All of the advertisers in SMALL BUSINESS OPPORTUNITIES and all of the other home-based business magazines sell primarily information.  “How To” information on how people can start and own their home-based business. (For a list of testomonials of people who are rich due to this concept go to ( http://www.mailorderblueprints.com ) The INSIDE SECRET so CLOSELY GUARDED by the millionaires in this industry is that the owners of these advertisements are NOT  making their money from the actual business “idea” or “concept” that they are selling.

     For example, an ad in the moneymaking magazines might stat something like “How to Make A. Fortune In Your Own Home-based Cleaning Business,” “How To Start Your Own Video Rental Advertising Business,” “Make A Fortune In Commodities,” or “Discover The Profit Potential of the Internet.”  If these types of businesses are so profitable, WHY AREN’T THE PEOPLE WHO RUN THESE ADS OPERATING THESE BUSINESSES FULL TIME THEMSELVES? I will tell you why: the SECRET is that they are making a fortune selling the “how to information!!! (For more details go to: www.mailorderblueprints.com ) They are not making huge daily profits by operating  the business “idea” itself, or the business “concept” itself.  They are making their money by selling information through advertisements in national magazines.  These advertisers are making MILLIONS OF DOLLARS providing  the “how to” information that people reading Small Business Opportunities and all the other home-based business magazines want and need to start their own business. (Imagine having the exclusive legal rights to best selling books, reports, and manuals. Right at your finger tips, ready to sell to eager buyers?) http://www.mailorderblueprints.com is definately a site you should check out.

Nagesh answers:

Ok, I use to make money In Mississippi while as a Executive Secretary for a Mental Hospital. It just feel into my lap. One of the venders came in and needed a paper to be typed. It took 5 mins to do. I did not charge her, but after I completed the task, she gave me $50.00. Thats were my freelance came into play. I did not know I had a skill but i did. You see in Mississippi, its hard to obtain a Good job, so you take what you can get. I begain by getting my buisiness cards through a free business card services. When ever there was a convention, workshop, fundraiser, I pass those cards out. Before you know it I was making more money from my buisness then my own Earn Income Job. I hope this helps.

If not, Here is some more information that i gather from my archive of information on my computer that I had over the years.

Typing at home is a genuine and well paid opportunity that helps many people supplement their income. All you need is a PC, a good internet connection and a few hours spare here and there, and you can make money in one of the following ways:

1: Data entry – companies that need a lot of data entry jobs done often outsource the work, cutting down on their overheads, and giving you a great way to make money. It can be as simple as filling in a few forms, and by signing up to one of the many sites offering the service, you can choose how much or how little you do. I did this between my business and my earn income.

2: Freelance writing – website content is a necessary element of every site, and every business these days has a website. Often, all you are required to do is write short pieces including certain ‘keywords’ – these are essential for marketing purposes – and the pay ranges from a couple of dollars through to more for bigger projects. That may not sound much, but find out how fast you can type and you could be surprised how much there is to be earned.

3: Translation – if you have a second language, this ones for you; people across the world need documents translated into different languages – they send them to you by email, you simply translate and reply, and get paid! I spoke French. My mother was Creole and its a kind of Choppy french and I took the language in College.

Above are just three examples of how you can make money typing at home, and with internet business expanding as rapidly as it is, the practice will become more popular in time.

Use these three methods and hope this will help..

G.

Nagesh answers:

You can do those survey things, work from your computer, make videos on Youtube and become a partner, so that advertisements can go on your page and you can earn some money off, of that.

Nagesh answers:

It’s a year old now. The New Pension System (NPS), which aimed at reaching out to 270 million people, or 90 per cent of the workforce, has covered only a miniscule 4,600.

Of course, the overall number may be much higher at around 873,000, but most of it is amassed by government servants who have joined after June 1, 2004, and whose mandatory retirement savings are being invested in the scheme.

What has made the NPS, one of the most advanced and cost-effective schemes, such a non-starter? Here are some key reasons.

Access. We receive several queries from readers on how to subscribe to this scheme. This is surprising, especially when most banks, including bigwigs such as State Bank of India and Axis Bank, are already acting as points of sale for it. One of the reasons is that there is no direct incentive for people selling the scheme.

“Due to lack of participation by service providers, NPS has not reached out to the masses. We are looking at providing direct incentives of fixed nature to people selling it,” says N.R. Rayalu, chief executive of the NPS Trust.
Complex mechanism. Electronic clearing system (ECS) is not available at all the points of presence (POPs). Currently, only a handful of them, including CAMS and Axis Bank, are providing this facility.

In the age of online transactions, you cannot expect the customer to visit a branch every time he needs to drop a cheque.

Tough rules. Subscribers need to make a minimum of four contributions in a year. This means four visits to the branch and keeping track of all those payments. Moreover, a minimum contribution of Rs 6,000 could be slightly high for very small investors to shell out.

Cheap? Not really. A back-of-the-envelope calculation shows that if you invest Rs 6,000 per annum (minimum investment required) in the NPS, the total quarterly charges, inclusive of opening the account, work out to be Rs 560 (9.33 per cent of Rs 6,000).

Thereafter, Rs 470 (7.8 per cent) is charged every year, excluding a fund management charge of 0.0009 per cent and other custodian charges. To lower the charges further to 2 per cent, one has to invest at least Rs 30,000 annually.
No premature withdrawals. Withdrawals are not allowed except for special cases. Even at the age of 60, you can only withdraw 60 per cent of the corpus as cash, and the rest is used to buy an annuity.

If you want to withdraw before you turn 60, you would need to buy immediate annuity with 80 per cent of the money accumulated. “This is a retirement-focused scheme. If we allow withdrawals at an early stage of the policy, it will not serve its purpose,” says Rayalu.

Obviously, if the scheme has to shed this non-starter tag, it needs significant reform on many fronts.

Said Kanwar Vivek, managing director, Aditya Birla Money (a brokerage house) at the Outlook Money Pension Roundtable in March: “If you see the NPS, it’s clear that unless there is some incentive for the intermediary in the scheme, it is a very difficult task to popularise it.” Are the policymakers listening? Well, they would do better to.
One Scheme, Several Roadblocks

Availability: People remain confused about how to subscribe to the NPS. This is partially due to lack of interest by service providers in selling the scheme.

ECS Blues: Electronic clearing service (ECS) facility is not available at all points of presence (POPs). This makes depositing money a cumbersome process.

Rigid Norms: As the scheme requires a minimum of four contributions every year, chances of people missing one or two payments are quite high.

Fixed costs: For very small investors, the NPS does not turn out to be cheap as most of its charges are in the nature of fixed costs. One of the main attractions takes a hit.

Restrictions: Premature withdrawals are not allowed under NPS, which makes the scheme less attractive in comparison with other retirement benefit schemes.

Nagesh answers:

No you didn’t. You THINK you found a couple of legit wholesalers but you did not. You are about to be frustrated.
If you want more info, drop me an email and I’ll tell you the whole story, but the long and short of it is this:
ONLINE WHOLESALERS ARE SCAMMING YOU. DROPSHIPPERS ARE WORSE.
The ONLY ways to make money wholesaling are:
a) talk direct the the manufacturer of the goods you want to sell, then buy above their minimum order quantity, be it here or overseas. If you’re buying from overseas expect to pay customs, shipping, taxes on TOP of the price. (not for the broke looking to start up)

b) buy salvage/return/overstock pallets, containers, etc and sell the stuff inside. This requires a LOT of hustle because although these goods are generally cheap, they’re also in as-is condition. You may get some things you can sell as is, some things you have to fix, some you can sell for parts and some that are just useless. Remember, you’re not the only one picking through these pallets

c) Sell a Service online. Learn how to do something (WELL) and then charge people to do it for them. It has to be something legal and some thing hot right now. “Fix your broken ipod” would be the sort of thing I mean.

D) Black hat operations. There are TONS of schemes people are doing to lie, cheat and steal their way to wealth through online sales… It’s just a matter of time before you get caught doing illegal things, but hey, that’s your decision to make.

Nagesh answers:

You could check some of the bigger companys
buy macromedia studio 8 or macromedia 2004mx and make flash sites and get payed 3 to 4 times as much
(some flash presentations for intel and website for little resterants can have 20,000 bugets.

Nagesh answers:

Hi! There are some jobs out there but usually work at home jobs are the best option. For instance websites-my husband and I are doing this. It takes time to put it together and to maintain but once you get it going it makes money. Also, surveys, this is not a huge money making scheme or anything but if you just some money and want to stay home it is worth it. I make money doing this and I also get gift certificates for some of the surveys I take. My husband and I are buying a memory card for our new digital camera and it will be mostly free b/c of a gift card I got doing surveys and we bought a book online and it was pretty much free. So…like I said it depends on if you are looking to make a ton of money or stay home or what. Do you want to go out and work and just choose your hours? Maybe you could add that in additional details so you’ll get more info. From people. Happy working:)

Nagesh answers:

If you really want to work from home, why not start your own home based business?? There are lot’s of different types of home

based business’s that you can start from your home. I know a lot of people who are doing this.,… They’re different then

just ordinary jobs. YOU own this. This is YOURS. So the amount of income you make, would be up to what YOU do.

Nagesh answers:

EBay or craigslist

I managed to kill two birds with one stone; I got rid of old stuff and earned some cash.

Nagesh answers:

Get rich schemes do actually work for a few people. It is usually based on a triangle scheme or profitable for the first few people to get in to it. The problem is that by the time the scheme hits big, too many people are trying the business and market is flooded. Ex. There is a comercial for selling goods on Ebay. (Digital cameras, tv’s etc.) You do not even see the product, just make a cut for the sale. You purchase a program and it automatically puts the stuff on ebay. Well you pay money, a small price, but money to have it posted on ebay and a percentage of the item when sold. This works good when no one knows about it. But when 500 peopl post the same camera on Ebay, only one person gets the sale and usually someone different eveytime.

Nagesh answers:

Hey if i know that i will do that first and answer your question,well its all about your destiny i have my own business in Bangkok last 10 years before i have but now nothing and i planing to go USA to work hard part time jobs collect and save money and restart my life.

Nagesh answers:

There are lot of scame on the internet which promise where you can make lot of money… So you need careful..But there are also lot of good site which will give idea and stretegy where you can make money online… Do some research before jump into some programe thats my advice..let me tell there a lot of site and article where you can get most of the information for free without spending any money…so best do some researched I thinks since you 14 years you need permission from your parent… Before you start your own business online…

Nagesh answers:

It is most certainly a electric issue. It could be some faulty wiring into the under hood fuse box, or it could have popped acouple relays in the under hood fuse box. Relays usually control lots of things and if they go bad, lots of things will go haywire.

These of course are just guess based off what you said, in this situation it would hard to say for sure what is wrong without actually seeing it. One suggestion is taking it to the automotive program at your college(they should have one?) most schools do, and they will work on your stuff for a good deal so they can use it as a teaching aide.

Nagesh answers:

Im sure you have friends that are more than willing to loan you the money, or you can just beg and pleasd the landlord and just say ill pay it plus 200 dollars next month and stuff like that idk im really sorry for what happened

Nagesh answers:

Hmm. You do have a tough situation. I think that if your girlfriend will leave you for joining the British army, then she might not even be worth it, but I’m not sure, considering I still don’t know your situation fully. If she doesn’t mind you leading a life of “crime”, I’d say, go that route, if she does, then talk with her and tell her you will join British forces. If she breaks up with you for that, cut your losses and find a better girlfriend. It would be different if you would be joining only because you liked the idea, but because your ultimate goal is to see and take care of her, it shouldn’t be such a big issue, I know that I have had a similar problem with my significant other, in that he wants to join the marines, but I just don’t want him to have the chance of being put in danger. But both of these situations are dangerous, and you have to realize that if you make a lot of mistakes, it could aid the fail of your goals with both options. I’m sorry that I am unable to come up with a third, better option for you, but I truly wish that everything will work out for the best.

Nagesh answers:

Don’t you hate people that spell loses as “looses”

Nagesh answers:

Get a cap and gown from a second hand store, or like over the internet for like a dollar. Find someone else in a different town, city, state that already graduated with the same color, and see if you can’t borrow theirs. Theres always borrowing from the school without saying anything, then giving it back when you’re done. Get a job where you can study, or do your homework while working. Retail jobs have that, as well as many hotel, or labor jobs. Newspaper companies have paper stuffers that litterally have 2 hour paid breaks that you can get tons done if you can handle the monotonous work ethic. See if your Mom will front you the money for the pharmacy test, being that she brought it up, and it would be a secondary plan off of what you already have going, and either way you’ll pay her back. College can be a time to rack up your credit, and is worth it as long as you get a good career/job afterwords. Military has awesome college/job/career opportunity as well. I would suggest getting an emergency job anywhere, and walking in with your school schedule. A loan is out of the question since you don’t have a job unless you get a co-signer, so seriously have your Mom front you the money for the exam, get an emergency job for now to make ends meet with school schedule in hand, keep your goals in sight without running up your credit too much, keep pushing, and you will succeed. I’ve been in similar situations before, and each crappy time seemed like absolute hell, and like I would never ever be able to stop sinking. But I just kept going, and ripping myself out of the seduction of giving up over and over again till finally (and this may sound like dumb or whatever, but) s*** just started working out, and kept getting better, and better and better till I had to chill out a bit, cuz my head was getting too big. You’ll be alright, even if you feel (literally) like you can’t move because it seems there is no way out, keep sight of your light at the end of the (seemingly) long a** tunnel, and shit will get better. Stay up, and don’t be afraid to ask for assistance if you need it. People (although not everybody) want to be of assistance whether you believe it or not. Good luck.

Nagesh answers:

People normally us paypal but you need to sign up for paypal account.
Best advice i can offer i’m afraid.

Nagesh answers:

1. Guvt chek yu kan get “rite awae”, but bank mae need overnite tu update puter.
2. Lokal cheks…3 biz daes
3. Outta state cheks…up tu 5 biz daes
———————-
Most banking is based on lektron signals that go speeding bak & forth.
Later, after get paper pushed thru many hands, the chek kan stil bouns.
——————–
watch out for skams weer yu get a “sertified chek” from Nigeria.
Its not reel.

Nagesh answers:

No.

But a very few people have made significant amounts of money by e-publishing stories, both short and long, which they have worked on for a long time and which are high quality.

Nobody pays lots of money for rushed crap, sorry.

Nagesh answers:

Try using the words “release the hold on my account” rather than “refund” and try again with the airline.

I have never had a problem with this when I put it like that. Saying “refund” makes it sound like you want them to give you money back, and the CSR you are talking to isn’t authorized to do that. Asking them to release the hold against your available balance means they need to send a fax to your bank–it’s a lot easier to talk them into that.

Nagesh answers:

Your chances to get any “charitable” contribution to your goal are virtually nil. You have to do it the old fashioned way. Earn it. You could do babysitting or offering your services in house cleaning. Or try a small resale business on eBay or selling other items, e.g. Custom t-shirts online which you can buy wholesale at a much cheaper price.

Nagesh answers:

Yes depending on where your located, if you have a lawn mower go and cut like 4 yards or so for $25 a piece which is very reasonable. Or also possibly change someones oil on their car or something with a car. Theres tons of fun ways.

Nagesh answers:

Go hunting in Tall Trees in the snowy area, or rileys charge, go after bear and deer/elk foxes coyote and such, but don’t kill rabbits, waste of bullets, remember to camp and save often.
Or kill in theives landing and loot.(no cops there)

Nagesh answers:

Recycling cans is a great way to make money! Local recycling companies will pay you from 50 cents to $2 per pound for bringing them aluminum cans – that’s nearly a dime per soda can! In order to make real money you need to find a lot of people to help you by saving and donating their cans for you.

You can register as an individual or you and your friends can create a team to start collecting cans. You get instructions, color flyer’s, postcards, and even your own teams personal Recycling Web Page so it’s easier to encourage people to save cans for you – your team receives an instant notification online when your savers have cans ready to be picked up or dropped off, and you can send them online reminders.

Good Luck!

Nagesh answers:

It is tax season, so go get job with Jackson Hewiitt or H&R Block. They will train you and pay you abotu $9-10 an hour until April 15th

Nagesh answers:

Yeah the surverys are.

Craigslist is like ebay. Hang up fliers for babysitting. Mow yards. THats about all I can think of.