Harnessing the Money in the Web

We've all hear the expression a "penny saved is a penny earned." Many of us don't believe that any more because we can't find anything anymore that costs a dollar much less a penny. I believe the statement is still true and wanted to try and squeeze the the penny a little harder. Ebay and google have demonstrated that you can make millions using pennies. Ebay listings aren't very expensive and google ads are also relatively cheap. If you get enough of them out there then your bound to bring in a little bit of money. Anyone that has done any investing knows that diversity is a good thing, so I've tried to diversify the ways that I make money on the Internet. Here's a list of my portfolio in the order of which one has brought in the most money. I've also split them into two different categories: those that you have to put money into and those that are free.

Prosper
Peer-to-peer lending. This is the ebay of the loan industry. Being greed here will lose you money. You need to put in at least $50 to start off with and it will slowly trickle back to you over the next three years. Here you can diversify between people that you loan your money to and get some pretty good interest rates. Mine is at about 14% right now. At this point I've stopped investing any more money there I'm just reinvesting it else where. From other blogs that I've read some people have had problems with people being delinquent. I just check to make sure that they had a good debt to income ratio before I lent any money and so far I haven't had anyone be delinquent yet. I would suggest that you only invest a small amount of money each month because then you can skim the quality loans off of the top without stretching into the people that are more likely to default.

Online Banking:
For security purposes I won't name this company but I made just over $100 last year because of the interest this last year.

Posters @ Fotki
Fotki allows you to upload and sell you photos with there premium account which can be customized. I've upload the best of my flower and scenery images here which can be purchase as posters.

Interactive Websites & Activities
I've created several interactive websites that contain ad's which bring in a little bit of money but they require a server behind it to work.

• Math Facts Question Generator
  Create a random order of basic math questions with an answer key such as 1 + 1 and 2 * 2
  
• Random Student Selector
  This program was created to a teacher randomly select students to answer questions in class.
  
• Moodle Math Question Generator
  Moodle is an online learning environment and this script will create math fact questions for that environment.
  
• Flash Activities
  
• Flash Line Grapher
• General Grapher
  This is a very useful module where someone can create a graph on the web page or on there computer.
  
• Finding the GCF
  Simple flash tutorial describing how to find the Greatest Common Factor.
  
• Algebra Worksheets
  Worksheets that other teachers can use to distribute to their class.
  
• Factoring Polynomials Worksheet
  

The following ways that I've made money do not require any outlay of money.

Google Adsense:
I've placed ads on sever websites that I run, this being one of them. Some of these have cost me some money but the adsense has helped to reduce the cost of those sites though it hasn't yet meet there expense.

Zazzle.com
Zazzle is an on demand company allows you create a product such as a t-shirt, mug, poster, postcard, hat, tie, and much more and it will create the product when it is ordered. You simply provide the picture and the create the product and ship it for you. Personally I've ordered the Pumpkin pi mug and some of the note cards that I've created and am pleased with their quality.

Lulu.com
Lulu is another on demand company but the specialize in printed material. The produce many types books and posters. I don't have much with this website yet but I have some math resource that I hope to publish soon.


MicroStock Photography
This has been a little harder to get into. So far I've messed tried to get into the following microstock companies.

• fotolia click the link to see my portfolio
  
• iStock
• ShutterStock
• StockXperts
  

Some of them have been harder to get into than others because of the submission of several photos to pass an initial test on the quality of your photography. As of yet I haven't made any money with these websites but I've only posted 2 pictures that have been accepted so far so I can't expect much. It's also not true with this one that it does not require any outlay of money because you will need a descent camera to be able to accomplish this. These companies are looking for quality images not just snapshots.

So the moral of the story is that you have to do something to make something. After a while the Internet has the potential to work for you but you have to work to keep it working and at this point it hasn't been worth it's time yet but I'll make a final decision on that later. Until then I'll keep enjoying the hobby of trying to make money grow on trees.

Is Qassia helping you? Have you earned and real money?

I was sent an invitation to Qassia.com today which claims that it can help improve the traffic to your website. I've posted a couple articles in there just to see if can help.

When you post content, rate content and invite others to Qassia.com you earn qassia dollars which improves your ranking within the site. From my understanding if you get in early this may be a benefit to your sites by providing quality external references to your websites.

Qassia also allows you to earn real dollars when your google adsense id with them. Any ad's that get displayed with your content go to you. This is definitely an incentive to write quality content that people want to read. They are currently displaying two adds per content item.

I would love to hear everyone's reaction to this website and hear how much money people have earned because of it in both qassia dollars and real bills. This site is currently in beta so it will be interesting to see where it goes from here.

Journeying to CSS

While looking for resources for my Internet programming class I stumbled upon this great article discussing the process of switching to CSS from tables. There are many other interesting articles since this one is obviously pretty old.

From Table Hacks to CSS Layout: A Web Designer’s Journey
by Jeffrey Zeldman
http://www.alistapart.com/stories/journey/

Making money with a Canon 40D

I've been wanting to get at digital SLR for about 8 years now but have never been impress with the quality of what I could afford. Until I say Canon's Rebel XTi. It had all of the features that I was looking for except construction. I liked the way that the Canon 30D felt and was built but I liked the features of the Canon XTi and knew that there would be a Canon 40D which would have the features that I was looking for, such as large mega pixel, fast fps, dust reduction system, high iso setting, and such. I also liked the 28-135 lense kit option. So when CompUSA went out of business in town I was able to find myself a deal. The problems is, that it is still an expensive camera which lead me to microstocks and other creative ways to make money with my camera. This is the first of hopefully many posts of my dealings with microstocks and other ways to make money with my photography habit. My goal is to make enough money to earn back the money I spent on the camera and then purchase some better lenses.

I'm starting out with two different websites ShutterStock and fotolia to see what happens. So far I've been able to get one image accepted at fotolia (Check out my current portfolio). Fotolia seems to be a little easier to get into compared to ShutterStock where you have to get 7 of 10 initial photos accepted before you can start posting 1 at a time, but from what I've seen people have made more money with them. This says something about quality versus quantity. I guess it will just take time to build up my portfolio and start earning money through referrals.

Another website that you can use to help bring in a few pennies is Zazzle. I've been using Zazzle since spring of 2007 and at this point I've made about $9. Which isn't much but hopefully more will come in over time. Zazzle is an on-demand retail company that makes posters, mugs, calendars, shirts, and much more. The nice thing about this website is that you only have to make $25 in a month or $5 in a year before they send you the money.

Other ways to make money with photos is to use a website such as fotki where you can post as many of your photos as you want and sell them directly to your clients. I've tried selling posters using this method but haven't had much success so far. With fotki you can create your own branded site but it costs you. This would be a better site to use if your are providing local services like senior portraits which I hope to do soon.

Links:
Microstock @ Wikipedia.org
fotolia
ShutterStock
Zazzle

Chips & Cholesterol

My wife and I just finished participating in a CHIP (Coronary Heart Improvement Project) program in our area. We initially decided to look at this program because my father just had a heart attack and it seems to run in both sides of my family. I figured why not take a look at my cholesterol and see how much changing my diet would change. I wasn't sure that it would change that much since I am mostly a lacto-oval vegetarian, that is if someone offers me cheese or dairy I will eat it but we don't use it in our house. I also figured that since I'm in my 30's it would be a great time to educate myself and start experimenting to see what things I can do to reduce the likelihood of having a heart attack.

I really enjoyed the program because the information was presented from a scientific point of view, without the guilt trip, and the program looks at your whole life style not just diet.

Here are my lab results so you can see for yourself the improvements:

	Before	After
Glucose Fasting	77	83
Cholesterol	162	133
Triglyceride	71	59
HDL	32	26
LDL	116	95
VLDL	14	12
Cholesterol/HDL ratio	5.1	5.1

I would suggest that the reduction in oil, which was moderate before, processed foods, and increase in fiber was the reason for the change in the numbers. We did exercise during the program but it was usually only 20 minutes a day which I don't think was enough. Over the next couple of months we are going to try and get some more exercise to see how that changes the LDL.