Money Making Schemes

Nagesh answers:

Kill chaos druids!!!!!! Thare lvl 13 and thay drop herbs u can get 50+k a batch

add me on rs for help on whare to find nd stuff gandy1991

Nagesh answers:

I know this sounds noobish but pick about 1000 flax then turn it all into bowstring then sellit for double the flax then do it untill you have the right amount

Nagesh answers:

You can mine iron, and sell each ore for 100 gp.. OR you can mine iron, smelt it into an iron bar and sell the bars for 250 each! Runescape members are always buying iron bars 😉

Nagesh answers:

I’d say fishing is faster because there is no reload period, but there’s the other danger of the food burning. Woodcutting I wouldn’t do because the competition is level 3s that have a bot do it for them, so you’d be pretty much boned. Mining and smithing is a good alternative though.

Nagesh answers:

Fastest doesn’t mean, ‘you can make 10 million gold in 5 minutes’.

ALL runescape gold making methods take time, and more importantly, patience.

My brother also says that there aren’t many ‘fast’ methods if you discard skilling, ashes, dragons or limpwurts. There’s really only PVP in the wilderness.

Nagesh answers:

Like another person suggested, EBay would be a good start if your daughter is responsible enough to follow through with a sale and get the garment(s) in the mail in a speedy manner. Check out the fees and the percentage charges for the Ebay services which will cut into her profits.

However, I believe if your daughter stays locally, she has a better chance on being known in your area. As she grows, and word of mouth spreads, she can easily get custom jobs from clients. So, if she can first put some of her clothing in a local store on consignment, that would get her foot in the door. Particularly if she is considering making clothing a steady source of income.

Who knows, maybe she can do the Ebay AND sell garments locally.

That is what I would encourage her to do if I were you.

In order to get $30.00 per garment, I would recommend that she sell them at a location (whether it be the internet or on consignment in a local store front) which commands that price point.

I am a seamstress and have been since I was 12 years old. Here I am, 38 years later, and have turned my seamstress talents into my lively hood. You see, it can be done. I am proof. Your daughter is young and this sounds like a summertime project while school is out; however, never dismiss this talent she has. Encourage her to learn more and support her interest in sewing. You will be so proud of her once she commands the respect she deserves.

Nagesh answers:

There are many opportunities of working at home and earning through internet. If you wish to learn earning through internet while working at home, feel free to add me as your contact at yahoo answers and at 360 also. You will learn a lot. It is against yahoo answers guidelines to provide referral links here at YA. Most of the genuine earning opportunities on the net are free and they don’t ask for any money to be paid for that.

Nagesh answers:

Whether you want to finish off that credit card debt, buy that luxury car, need cash urgently to pay the school fees of your children, or just want to quit your day job and get financial security in life, this website would be of help to you. In this site we will see how you can easily earn, whatever state of life you are in and whatever your skill sets are. This site also has guides exclusively for entrepreneurs and also those who are looking for good investment opportunities. Everyone in this world deserves to get wealth and happiness; one just needs to apply their mind and remain focused; hard-work coupled with honesty will surely help you achieve this goal. In this guide you can find ways to get some cash in your wallet or bank account.
Work From Home; Cottage Industry; You can manufacture, package and sell items right from your home without much investment. There is always a market for niche physical goods like designer candles, custom perfume soaps or even a uniquely designed cake. Try to make FMCG (fast moving consumer goods) products because they sell pretty much fast and expanding the business is also easier. SOHO; Nowadays the internet, mobile phones and other forms of communications has made it possible to sit at your house and run a virtual office. Some examples are running a virtual outsourcing center, data entry work, being a virtual assistant to someone and also stuff like phone/email based customer support.

Drop Shipping
eBay
Sell scripts & Web Apps
Start an online business
For Students & Working Professionals;Take Tuitions – become a tutor; If you are a college grad or if you are pursuing a post graduate degree, you can earn by teaching other students (juniors) or helping them do their homework. Look around your neighborhood for those who might be interested in your teaching services. Nowadays there are also websites through which you can teach a student over the internet and get paid on an hourly basis.

Without Investment; Some amount of startup capital is usually required to start a business so that you earn even more than what you currently are getting. However do not worry if you are not in a position to get this seed capital. There are many ways to get funded or bootstrapped by starting with almost nothing. And also remember that this initial seed fund is required just when you are starting; you can use the profits or income from your new venture to invest even more in other businesses. Do some freelancing jobs, odd part time jobs or even make a garage sale of unwanted things in your house like old textbooks. If you are not in a day job, try getting a day job, because it is crucial for survival (especially if you are in a desparate situation). Nowadays the power of the internet has enabled everyone to earn sitting at home; some of the ready to go jobs that you can do if you have access to the internet are writing articles, being a virtual assistant or providing a variety of services, like in Fiverr. Use this cash to start a new venture on a shoe string budget and then gradually expand the offerings or service.

Start a consulting service; Not all professions require a formal education to be successful or to work in a legitimate way. Try learning a new method, way or skill and then use your knowledge to provide advice & consulting services to others for which you can charge a fee. Some of the examples of skills which you can learn and impart are: fitness, sports & games and even things like astrology. The list is endless, you just have to find one which you are interested in and whic you can learn in a short period of time.

There is no dearth to the number of oppurtunities to make money online or offline in the World; for a moment push away all negative and pessimistic thoughts like ‘can i’, ‘oh I have already tried that’ from your mind. Think for a moment how it would feel if you were financially well settled with all your debts cleared and enough cash to buy anything you desire, six months to 12 months down the line. Now how about spending the next three days of your life researching on a good method to make your dream come true? It is well worth the time spent on this because the next three days will be the ones which is going to change your life. Allocate sometime this weekend to do this research and I am sure that you are already on your way to success if you do it. Thank you.

Nagesh answers:

No matter what people tell you, there is no magic trick to earning money at home, online, or on the internet.

However, there is a trick to earning money that not everyone is aware of. And while it’s not magic, it’s definitely worth exploring.

Everybody has something they’re good at, or enjoy enough that they can be good at with practice. The Internet is simply another medium for reaching more clients. Some things sell better on the internet, and some don’t.

Find something you’re good at, that you can do better than others, and sell that service or product, and you will make decent money from home.

While a lot of that is obvious, it is amazing to find people still discovering new talents with one of these work at home programs. None of these will make you wealthy if you’re not already a natural at it, but a lot of them let someone try something new that they haven’t tried before.

Just remember, they’re in the business to make money off you, not the other way around. I’d be vary about these companies and whether they can really offer an opportunity for you, and not otherwise.

Hope this helps,
Ken

Nagesh answers:

I don’t think there are easy money for no hard work. Perhaps you can setup a website and to earn money through google adsense.

Besides, here is a specialized webpage containing 10 methods making money online and doing small business online.

Http://www.adcenter.net.cn/make-money-online.html

maybe that will help you or give you some bright idea.

Best Wishes && Good Luck!

Nagesh answers:

Get a job

Nagesh answers:

I’ve earned plenty of extra money from doing online work-surveys, offers, and refferals. My site explains it briefly in one paragraph, with the link.

Http://www.freewebs.com/falonshields/…

Nagesh answers:

Working from home: childcare, babysitting,pet sitting, yard work, party planner, Tupperware, Avon,toy selling parties,dog walking, probably some other things close to home. Helping the seniors with house cleaning, shopping, ods and ends…and so forth….hang in there and remind your dad not to go out spending when he does not need to. Good luck to you and you can always pray and he is and will be standing there next to you in your time of need. Don’t ever forget him in your time of need…….him first, him last. He is dependable, humans are not.

Nagesh answers:

I read your last question after it was resolved. My advice is a little more specific. I would have taken a look at your site had you posted your URL. There are two roads I know well where you can build an online business. I know this because I have used both methods successfully. However, I am sorry to say there are costs involved which I know might put you off but realistically you are probably going to waste a lot more time and money if you do not find a solution. I purchased a wonderful ebook many marketers know and love and profit from called The Super Affiliate Handbook. Do a search for reviews on it before you go to the sales page of this book. It is an excellent manual that is regularly updated and full of practical advice that if followed will work.

This is the Amazing True Story of a Woman

Secondly look at this all-in-one solution and I do mean all in one. Hosting, marketing, brainstorming and excellent keyword research and domain included. It costs currently US$299 per year. I know that might sound expensive but please take a look before thinking about the price. There is a monthly payment option and it is a brilliant solution for small business online. Spend some time at these sites and evaluate them for yourself.

Http://www.sitesell.com/

The links are non affiliate so I’m not making a penny from you clicking on them. They are simple links to homepages.

Other than that you must promote your existing site online and off. Use social media sites like facebook and youtube. Without seeing your site I cannot say anything more specific.

Oh, and if you were stupid you wouldn’t be asking questions.

Nagesh answers:

I have to apologize in advance. I don not have a solve all solution for your needs. I can tell you this. Building your own business may be a great option. However, it takes much work and is far from a get rich quick scheme. If you would like to see some examples from some other work at home moms (WAHM), you can visit http://wahm.sitesell.com/UnstoppableDreams.html
SiteSell is a web hosting company that assists in building online businesses. I personally have used their services and you can see an example of my site through my profile.

BEST WISHES!

Nagesh answers:

For the 99,687th time…
The Internet is not some magical cash machine.
There are NO online jobs. No data entry. No surveys. No clicks. Nothing. Anywhere. Really.

Nagesh answers:

If you have a bank account and credit/debit card linked to the PayPal then you get the feature of “instant transfer” which automatically transfers the money from your bank account. I believe what is occurring now is an “eCheck” and they take several days to process. Once you have the cards and bank account linked up you will be given the choice to do an eCheck or instant transfer. The default is usually instant transfer though.

You are able to do the instant transfer because if your bank account is empty or doesn’t have the correct funds it will use your credit card as a “back up” resource. I guess they’re fooled by my debit card acting as a credit card, and that’s why it works for me.

Nagesh answers:

Http://goodsurveysites.com Its what I do and it’s worked out pretty well. What you have to do is complete surveys and offers for companies that want the public’s opinion. No payment from you is ever required, not to sign up, not EVER.

The sites don’t get paid directly from you, but when you complete an offer or survey, they also get paid a small portion of what you earned yourself. For example, if you complete a survey about computers let’s say, you would earn maybe $2 and the web site itself would recieve $0.50 from the company also for getting you to complete the survey. These surveys take little time at all, most taking up less than even 1 or 2 minutes of your time.

They don’t need any information other than your name, email address and your home address. Yup, that is all. No credit card information, no banking information, nothing like that. All they require is your name and address so that your cheque can be sent to your home every month.

Personally I have been a member of these websites, along with thousands of other satisfied users, for approximately 1.5 years now and have earned well over $8600 by working in my spare time. This web site has been great to me, also the members and administrator are very friendly, and are always there to help you with a question or problem you may be having. I give you my word that they pay.

Nagesh answers:

Simply not possible, especially with a holiday.

Need to go to Plan B

Nagesh answers:

By making your own website that offers a service that people are willing to pay for.
Most of these “make money quick” schemes are usually scams.

Nagesh answers:

Yes, they can be a very good idea – a great way to get on the housing ladder and avoid paying exorbitant amounts of rent.

But, if you can’t afford a deposit for a mortgage then you may still encounter problems with part buy/part rent and shared ownership or staircasing. You’ll still need to take a mortgage out for the share you’re initially buying, which will necessitate funds for a deposit, albeit a smaller one than if you were buying outright. You’ll also need to come up with about £5,000 to cover the cost of administration, solicitor’s and surveyor’s fees, plus because many shared ownership properties are on new private developments or in purpose-built blocks, you have to be careful of hidden service charges which you’ll be obliged to pay as a leaseholder, and depending on the precise development you could be looking at an extra couple of hundred pounds added to your monthly outgoings. My first flat was on a private estate and I paid £2,200 a year to cover things like maintainence, repairs, seasonal repainting of all the communal interiors and fences, rubbish collection, security and other sundries.
You generally need to have an income of about £22,000 before you’ll be considered for shared ownership by most agents.

Get in touch with your local council who can direct you to their housing options advisor, who’ll be able to give more precise professional help. Also visit Homebuy, the government’s official website for shared ownership properties, and Housing Options, the London area agent for Homebuy: http://www.homebuy.org.uk

Nagesh answers:

Just tell your parents and let them sort it.

Nagesh answers:

Why, oh why, isn’t the housing benefit automatically paid to the landlord. It’s obvious the dodgy tenants aren’t going to use this money to pay their rent, and leave the landlord with a mortgage to pay and no rent coming in. I can quite see why your blood is boiling. Report this situation to your local council housing benefit office – this is obvious fraud as your tenant has received the money to pay his rent and used it for his own benefit. You wont be able to claim anything back as he’s already had the money but you can put a spanner in his works by reporting him and getting his benefit stopped. You should have reported this as soon as he stopped paying the rent as you are obliged to report any changes in circumstances. There’s no bigger change than he’s using the money for himself. Cheeky sod – he’s one tenant you will be glad to be rid of. I sympathise.

Nagesh answers:

Lies, damned lies and statistics.

Why compare Britain and America? Why not America and Canada? They have more guns than Americans and far, far fewer murders. They have state handouts and medical care for all and they have far fewer of the social ills of their neighbour. And what on earth makes you think that Britain has a generous system of handouts anyway? The disparity between rich and poor here is equivalent to a third world nation. Why not compare it with Sweden or Japan, that both have generous welfare systems and lower crime rates, low drug addiction, low teenage pregnancies, fewer people in prison, etc., etc. It is an empirical fact that more equal societies are healthier societies with far greater levels of trust and co operation. Every serious scientific study in this field shows that when wealth is more evenly distributed, everyone is happier.

Why have you focused on property crime, when it is clear that America has a far higher proportion of violent crime? Is it really higher here, or are the statistics masked, in that those who commit violence against another to gain their property in America are put into another category? Is mugging a violent crime or a property crime over there? Perhaps there is such a disparity because in America they are more inclined to hurt you to get what they want.

Don’t paint this picture of Britain being a nation of generous handouts, it’s just not true. Over here, if your children have an income, it is taken off your benefits. You can get by on the amount of money offered if you only eat twice a day, do not run a car, do not go out socially, keep the heating off for most of the day (even in winter), cut your own hair, and spend less than £100 a year on clothes and shoes. Forget it if you want to decorate, buy new furniture or take holidays. Anyone on benefits that can do more than this is working illegally and/or stealing.

I would like to know what kind of food programmes you are talking about, as the only thing I know about is meals on wheels for the disabled/elderly who can’t get out to buy their own food or are unable to cook. If you are able bodied, money for food comes out of your benefits. A quick look at the Shelter website gives a clear picture of the state of our Government’s housing programme, which is woefully inadequate. It would not be such a problem if Thatcher’s government hadn’t sold off social housing in their ‘right to buy’ scheme. Now there is a chronic shortage of suitable housing for the disadvantaged, and 860,000 empty properties here that can’t be sold in a collapsed housing market. Scotland doesn’t have as much of a homelessness problem as England, but then if you are out on the streets in winter there, you would freeze to death anyway. Problem solved.

In America, the vast majority of the homeless are Vietnam veterans with psychological problems, a testament to American mental health services, and of a nation that is quite prepared to forget the people who served their country and are now on the scrapheap. All too many of the people in American prisons should really be under mental health treatment, but they find execution chambers much more cost effective. In Britain the NHS is very good, it covers everybody and costs 7% of the nation’s GDP. In America their system costs 15% of their GDP and over 43 million are not covered. (The Wal Mart company costs the American taxpayer $1.5 billion in the provision of Medicaid and food welfare programmes to its employees.) The working poor of America have to either go without medical care they can’t afford, or rely on British charities (that were designed to bring medical assistance to third world countries) to get the care they need. I’m very happy with the choice and service I get from my local NHS area health authority.

As for education, I wish the British Government would just leave the system alone, stop fiddling with it and let teachers get on with teaching. The American system is hardly one that we would want to follow. Targets and testing is cheapening the whole learning experience, and the results are children that are never taught how to think for themselves. Some of them look at a bunch of statistics and never ask ‘is this true or have these figures been manipulated’? Hmmm…..

Nagesh answers:

Depends on what type of products you’re interested in importing. Your best bet is to read as many blogs on importing as you can find – start with:
http://www.businessopportunitiesandideas.co.uk/resources/top-100/business-blogs

Be careful and realize that a lot of advertised money-making schemes are scams – so don’t give any website personal information about yourself until you’ve done your research and are certain they’re legitimate.
Here’s an article on Entrepreneur.com about how to start an import/export business:
http://www.entrepreneur.com/startingabusiness/businessideas/startupkits/article41846.html

Google can be your friend in searching the web while participating in blogs and business
networks can help you identify people you’d like to connect with for a business relationship.
Using Google, you’ll find sites like:
http://www.alibaba.com/trade/search?SearchText=india&IndexArea=product_en&src=yahooshortcut for manufacturers in India,
http://www.chinesewholesaler.com/ for Chinese wholesalers,
and http://www.pakistanibusiness.com/sitemap.htm for businesses in Pakistan.

You could also try Linkedin.com and Spoke.com for networking opportunities.

Nagesh answers:

Get a kitten from the animal shelter instead.
They don’t stink as bad as those sugar gliders.
Remember: You will also have to pay about $300 for a cage.

Nagesh answers:

Some of paid surveys require paid membership while some other free surveys are paying so low.
If you need quick cash, perhaps being an affiliate or selling your service are the better option. However, beware of scammers.

Nagesh answers:

There are plenty of places that guarantee payment if you do work according to your specifications before you take on a project. I would strongly recommend you check out the blog in the source below – it has a couple of links on the right hand side that let you register to those sites that guarantee payment.

Be careful about doing any work on the internet…. There are a lot of scams. There are a LOT of types of jobs that you can do from data entry to coding to designing and photoshop… And $200 a week is very doable. I earn that much every 2 weeks and I work part time and have no skills literally lol

If you have any questions, you can email me or leave a comment on that site 🙂

Nagesh answers:

Get a truck. Troll your neighborhood for cast-off and unwanted, but sellable items. Bring the items home. Clean them up. Take pictures of them. Place ads on craigslist.org in your area. Include the pictures, a good description, and your phone number.

If the items you have found are in demand, your phone will begin ringing almost as soon as you place the craigslist ads.

I have done this for the past two years and I have been making $200 per week. The best sellers:
Living room furniture, lamps, desks, lawn equipment (working or not. I sold a broken Honda mower for $30), snow boards ($30), power equipment (I found an Emglo air compressor and sold it for $90), luggage (average price $7 to $15 for 4-wheelers), etc.

Yesterday I sold a recliner sofa ($60), a 61-inch Flat Screen TV ($40), and a golf putting practice machine ($10). And today, somebody wants to buy the Tama Drumset I found. They are willing to pay $150.
Source(s):
Personal success at this venture

Nagesh answers:

Your question reminds me of what happened 11 months ago while i was searching for answer to your question. The answer to it is straight you need ‘No Sale System’. Goto my blog through the link below copy/past if not clickable http://theaffiliatecashmachine.blogspot.com

Nagesh answers:

The internet is not the answer for a 13 year old kid; probably not something you’d like to hear but the truth. Im 19 and I wouldn’t even resort to the internet for money; I don’t trust it. There are tons of scams on the internet that will take advantage of you; either by not paying you or using your personal information. They have to have your name, address, etc and if its legitamite they have to have your SIN#. I don’t believe doing this will show your parents you are responsible; they might actually get mad at you for giving our your personal information online. Perhaps ask them what they thing about it and they can probably help you find a legitamite website.
You could go help out at your local baseball diamond, or store, or do choirs for the neighbours (you could make a lot of cash for honest work!) you could mow their lawn, pluck their weeds or walk their dogs, or you could have a garage sale. All things that protect your identity and you know that will actually pay you.
Best answer is discuss some options with your parents; they think you are responsible for coming to them and asking them advice on how to make good honest money! Just asking them will score you some points!

Nagesh answers:

With a parents help, you probly could sell some things or like some of your old clothes on ebay.

Nagesh answers:

Ever wanted to make money online but always got fooled by those liars who sell useless ebooks or those users who ask for money upfront and then never reply? That’s why I want to like you to a website where the owner shares all ways of making money online. Did you know that you can make money playing games or clicking ads? Then visit http://incomebooster.org/ for more information

Nagesh answers:

…get a job.

Nagesh answers:

You can try ChaCha.com. They hire people to work from home answering questions but the pay is kind of bad so how much you make depends on how many questions you can do in an hour or whatever. You can go to www.chacha.com and click on become a guide.
You can also check http://christies.webs.com for a list of actual companies that hire employees or independent contractors to work from home. Some of them pay pretty well.

Good luck!!!

Nagesh answers:

Babysitting.
And chores.
Good luck.

Nagesh answers:

You sound like a brat. In the current economic situation, I doubt you will find money just laying around for you to pick up.

Nagesh answers:

Survey money>>>>>>>>>>you would be waiting till next xmas to be paid…

Have you asked your neighbours if you could clear there gardens of leaves etc as many elderly ppl like to look at a nice autumn garden but cant manage it ..
Im sure when they learn why you want to collect money they may be willing to help you… Might even pay you to run errands like shopping for milk etc…

How about offering to do extra chores at home or wash your parents car instead of them getting it washed at the carwash…

Good luck

Nagesh answers:

Babysitting always works and doing chores around the house maybe you can get money from your folk for doing that..hopefully you can buy it good luck!

Nagesh answers:

Have a yardsell

Nagesh answers:

Try the following:
– Babysitting
– Baking cookies and selling them
– Offer to neighborhood moms to decorate parties for younger kids
– Dog walking & grooming
– Offer to neighborhood moms to create play dates for their kids with craft time

Nagesh answers:

Time and again this question was asked and a proper replay was given, please check the answer about 7 days ago.

Nagesh answers:

Sounds cute! Here is a pretty easy way to make tutus:
1. Purchase tulle at a craft/fabric store. They usually have a few colors. You may want to get some ribbon, also, if you don’t have any.
2. Lay pieces on top of each other until you have the thickness you want for each tutu. Fold this in fourths. (half then half again)
3. Round off the outer corner. (If you were to open it, it would be a circle). Make an inner circle cutting off the inner point. This circle should be a bit larger than the girls’ waists.
4. Use a hole punch or scissors to make little holes or slits around the inner circle. Thread ribbon through long enough to tie it on. (If you don’t want to tie it, you can just use elastic and tie a knot instead.)
5. Decorate! You can set layers of tulle on an old waterproof tablecloth and cover it with Elmer’s glue and glitter to make it sparkle. (I’m not sure how well it would stay, especially ice skating, but it’s worth a try!) You can use a hot glue gun to attach sequins or fake flowers. (Get creative…)

*You may have to experiment with the fullness, length, and decoration to get the look you want, but this is a pretty general way to start off.*
If you want to do pretty much nothing for this instead, you can always just make a flat tutu by wrapping tulle around and securing with a belt!
Have funnnnn!!!!!

Nagesh answers:

Kel

That is 8 bags of scrunched aluminum cans. Plus bottles and plastic for extra money!

Soccerref

Nagesh answers:

I don’t know what kind of jobs teenagers can do in Kenya but in England you can do loads of things to get money like:
Paper round
Washing parents/friends cars
walking dogs
babysitting

I hope these ideas help and you get you money!

Nagesh answers:

Well first they have to get a license or something from the judge to be foster parents. Not to be mean or anything, but that little conversation you had with your mom doesn’t seem like she wants to be foster parents, I mean it just sounds like she is happy that you feel this way about it but it doesn’t actually sound like she want’s to be a foster parent. More kids, comes more responsibilty.

Nagesh answers:

You have to be more firm with him. Next time he cant afford to by groceries, show him once more, his income and outgoings. Next show him how much he has to spend in one month for himself, then break it down in to four weeks.
Firmly tell him, that this is his last chance. He only has 20???dollars a week to spend.
Now, he can spend it all in one week or save some for next week, but whatever happens he must not, repeat MUST NOT, spend more than 80??? Dollars per month on himself.
Give him, say, three months to prove himself, if he cant do it chuck him out. You cannot possible marry a person so selfish. If you do, you are telling him its ok to do this.
It may have been his mothers fault initially, but he’s a big boy now and must take responsiblity.

Nagesh answers:

Well you might already be doing this… I don’t know, haha. But this is what I do – I always buy the most expensive seeds I can find at the beginning of each season (but make sure it’s the kind that regrow). I get 40-50 seeds, or as many as I need to fill up the entire planting area. It’s totally worth it in the end, plus they keep regrowing! I get rich pretty fast by doing that. Ummm and the best place to fish is near that bridge leading to the Horn Ranch area. If you can find that perfect spot, you’ll get a lot of money for the fish you catch there. Sorry that’s all I got. Hope I helped a little bit 🙂

Nagesh answers:

All the money making tricks, tools, e-books and courses available here: http://www.letsgorichonline.com/

Nagesh answers:

Bank, gun, mask. Easy money. LOL jk you should tell them how much it will mean to you and how you will try to pay them back. I usually works.