Make Money by Blog

This post shows you how to make money online, more specifically how to make money by your blog (make money by blogging).

According to my best knowledge, you can make use of the following programs to make online money from you blog:

Amazon Associates
BlogAds
Denton
Events
Google Adsense
Jobs Kanoodle
Linkshare
Minmalls
Netscape
Packaged Content
Quit Your Day Job
RSS Advertising
Tagword
US Web
Think Viral
Washington Post Blog Rolls
Yahoo Publisher Network

Personal Finance Tips [2/10]

[2] Budgeting
Budgeting is a critical process which forces you to look at what you're spending, where you're spending it, and thus be able to make informed decision on where changes can be made to meet your financial goals. Using software to track your finances and assets, you will get the added benefit of being able to tie it into budget planning. Chart out all your accounts and determine what online services your bank offers, as this will make it simpler automatically download your regular spending transactions and bill payments, to be integrated with your spending and budget tracking.

Try to switch your purchase habits to not make purchases with cash - cash spending can not be tracked easily with budget software - paying with a bank card or credit card will help keep an accurate record of where your money is going. This one habit will not only allow you to track and trend your purchases, but also provides invaluable visibility to your purchases. For example, you may discover you spend three times as much on groceries, or twice as much eating out at restaurants than you thought.

After you adopt this method, track your finances for several months and then revisit your budget - look at what you are taking in and what you are spending, and compare it to your financial goals. Look for areas where your spending can be reduced and adjust your budget accordingly. At its simplest level, budgeting is easy - you look at what you make, you look at what you're spending, and you look at how much is left over to be put away for the future - if the numbers don't match, it gives you a clearer process to shuffle your income accordingly. For example, some savings you may find are spending less on entertaining, reducing the cost of ownership of a car with a bad maintenance record, or shifting your eating habits to home cooking instead of takeout.

Personal Finance Tips [1/10]

[1] Taking Stock
The first step to getting your personal finances under control is to clearly understand where you are. Review all of your finances listing your assets and debts, including any loans, credit cards or other liabilities. Many banks will go through a similar process to evaluate your financial health, where they compare your income and assets with your debts and liabilities to come up with a percentage called your debt to equity ratio. It is important to be honest and thorough, as you will need to use this information to help build your financial plan.

Find a method of tracking your personal finances, either with a simple book and paper ledger or with automatic software packages like Quicken or Microsoft Money. This will not only help you track and budget how you spend your money, but the software can integrate with many online banking services which allow you to keep a virtually real-time picture of your spending. The important thing to do is to be consistent and make sure all of your spending and budgeting is tracked for a complete picture.

Once you have an accurate picture of your personal finances, you need to identify your short and long term goals. When do you want to retire? Are there specific purchases you are planning? Are there any time frames to consider? Are you planning for your children's education or just interested in being debt-free?

Once you understand what's important to you, you will understand what needs to be done to get there: how much you'll need to earn, how much you'll need to save, and over what period of time. Basically, know where you are, and where you want to be.

Original From personalfinance.tipcentral.net

Free Online Economics Resources [UCI]

There are many online resources in the following page, and it is FREE! Also Java scripts are also avaiable: http://sun3.lib.uci.edu/~dtsang/econ.htm

Table of Contents
* General Resources
* Journals and Working Papers
* Data Sources
* Think Tanks
* Economic Development
* Labor Studies
* Transportation Studies

Search Resources for Economists
# Shortcut to All Resources The Scout Report for Business & Economics
# Social Science Databases Available through the MELVYL® System
# Social Science Research Network [Links to full-text working papers]

Top 10 Financial Tips [8-9-10]

8. Review Your Insurance Coverages

Too many people are talked into paying too much for life and disability insurance, whether it's by adding these coverages to car loans, buying whole-life insurance policies when term-life makes more sense, or buying life insurance when you have no dependents. On the other hand, it's important that you have enough insurance to protect your dependents and your income in the case of death or disability.

9. Update Your Will

70% of Americans don't have a will. If you have dependents, no matter how little or how much you own, you need a will. If your situation isn't too complicated you can even do your own with software like WillMaker from Nolo Press. Protect your loved ones. Write a will.

10. Keep Good Records

If you don't keep good records, you're probably not claiming all your allowable income tax deductions and credits. Set up a system now and use it all year. It's much easier than scrambling to find everything at tax time, only to miss items that might have saved you money.

Top 10 Financial Tips [5-6-7]

5. Have a Savings Plan

You've heard it before: Pay yourself first! If you wait until you've met all your other financial obligations before seeing what's left over for saving, chances are you'll never have a healthy savings account or investments. Resolve to set aside a minimum of 5% to 10% of your salary for savings BEFORE you start paying your bills. Better yet, have money automatically deducted from your paycheck and deposited into a separate account.

6. Invest!

If you're contributing to a retirement plan and a savings account and you can still manage to put some money into other investments, all the better.

7. Maximize Your Employment Benefits

Employment benefits like a 401(k) plan, flexible spending accounts, medical and dental insurance, etc., are worth big bucks. Make sure you're maximizing yours and taking advantage of the ones that can save you money by reducing taxes or out-of-pocket expenses.

Top 10 Financial Tips [2-3-4]

2. Stick to a Budget

One of my favorite subjects: budgeting. It's not a four-letter word. How can you know where your money is going if you don't budget? How can you set spending and saving goals if you don't know where your money is going? You need a budget whether you make thousands or hundreds of thousands of dollars a year.

3. Pay Off Credit Card Debt

Credit card debt is the number one obstacle to getting ahead financially. Those little pieces of plastic are so easy to use, and it's so easy to forget that it's real money we're dealing with when we whip them out to pay for a purchase, large or small. Despite our good resolves to pay the balance off quickly, the reality is that we often don't, and end up paying far more for things than we would have paid if we had used cash.

4. Contribute to a Retirement Plan

If your employer has a 401(k) plan and you don't contribute to it, you're walking away from one of the best deals out there. Ask your employer if they have a 401(k) plan (or similar plan), and sign up today. If you're already contributing, try to increase your contribution. If your employer doesn't offer a retirement plan, consider an IRA.

Financial Tips You May Not Be Known [1]

Keys to Financial Success

Although making resolutions to improve your financial situation is a good thing to do at any time of year, many people find it easier at the beginning of a new year. Regardless of when you begin, the basics remain the same. Here are my top ten keys to getting ahead financially.

1. Get Paid What You're Worth and Spend Less Than You Earn

It sounds simplistic, but many people struggle with this first basic rule. Make sure you know what your job is worth in the marketplace, by conducting an evaluation of your skills, productivity, job tasks, contribution to the company, and the going rate, both inside and outside the company, for what you do. Being underpaid even a thousand dollars a year can have a significant cumulative effect over the course of your working life.

No matter how much or how little you're paid, you'll never get ahead if you spend more than you earn. Often it's easier to spend less than it is to earn more, and a little cost-cutting effort in a number of areas can result in big savings. It doesn't always have to involve making big sacrifices.

Internet Marketing

Make more money from the Internet. Actrually, there are lots of websites can help you to make use of the internet to enrich your pocket.

Easy money making by a website:

Jeremy C. Stein

E-Mail: jeremy_stein@harvard.edu

Staff Support:
Ann Richards
Littauer Center, Room 214
E-Mail: ann_richards@harvard.edu
Tel: 617-496-3960
Fax: 617-496-7352

Jeremy C. Stein is the Moise Y. Safra Professor of Economics at Harvard University, where he teaches courses in finance in the undergraduate and PhD programs.

He is also serving as president of the American Finance Association for 2008. Before coming to Harvard in 2000, Stein was for ten years on the finance faculty of M.I.T.’s Sloan School of Management, most recently as the J.C. Penney Professor of Management. Prior to that, he was an assistant professor of finance at the Harvard Business School from 1987-1990. He received his AB in economics summa cum laude from Princeton University in 1983 and his PhD in economics from M.I.T. in 1986.

Andrei Shleifer

Address:
Littauer M-9
E-Mail: ashleifer@harvard.edu
Tel: 617-495-5046
Fax: 617-496-1708
Office Hours:
By appointment only.

Staff Support:
Lori Reck
Department of Economics
Littauer M-10
E-Mail: llmorris@fas.harvard.edu
Tel: 617-496-2606

Andrei Shleifer is one of the most cited economists in the world, with more than four thousand citations. (Citation rate is one measure of a scientist's impact on thought and practice in a particular field of endeavor.) His work focuses mostly on financial economics, where he has contributed to the field of behavioral finance.

In recent years, his research has focused on the legal origins theory (also sometimes known as law and finance theory), which claims that the legal tradition a country adheres to (such as common law or various types of civil law) is an important determining factor for a country's development, most of all financial development.

Shleifer and his coauthors (Rafael La Porta, Robert W. Vishny, Simeon Djankov and Florencio Lopez de Silanes) have written extensively on corporate governance.

In 1994 Shleifer had with fellow academics — and behavioral finance specialists — Josef Lakonishok and Robert Vishny a Chicago-based money management firm known as LSV Asset Management. As of February 2006 it managed about $50 billion in quantitative value equity portfolios, though, according to the firm's website, Shleifer no longer had an ownership stake.

George P. Baker

http://www.people.hbs.edu/gbaker

George P. Baker is the Herman C. Krannert Professor of Business Administration at the Harvard Business School. He has published works on management incentives, leveraged buyouts, organizational economics, and the relationship between a firm's ownership structure and its management. Baker's recent work has focused on the problem of managerial performance measurement, and its role in the design of incentive systems and on the structure and performance of organizations. He is also the author of a book on the firm of Kohlberg, Kravis, Roberts & Co. published by Cambridge University Press.

At HBS, Baker teaches in the MBA program, as well as in the doctoral program. Prior to joining the faculty at Harvard, he worked both as a consultant with Temple, Barker and Sloane, and as a marketing manager with Teradyne Inc. Baker holds a Ph.D. in Business Economics from Harvard University and an MBA from the Harvard Business School. He lives in Newton, Massachusetts with his wife, Lauren Jennings, an attorney, and two daughters.

Josh Lerner

Josh Lerner is the Jacob H. Schiff Professor of Investment Banking at Harvard Business School, with a joint appointment in the Finance and the Entrepreneurial Management Units. He graduated from Yale College with a Special Divisional Major which combined physics with the history of technology. He worked for several years on issues concerning technological innovation and public policy, at the Brookings Institution, for a public-private task force in Chicago, and on Capitol Hill. He then earned a Ph.D. from Harvard's Economics Department.

Much of his research focuses on the structure and role of venture capital and private equity organizations. (This research is collected in The Venture Capital Cycle, MIT Press, 1999 and 2004, and The Money of Invention, Harvard Business School Press, 2001.) He also examines the impact of intellectual property protection, particularly patents, on the competitive strategies of firms in high-technology industries. (His book with Princeton University Press, Innovation and Its Discontents,addresses these issues.) He founded, raised funding for, and organizes two groups at the National Bureau of Economic Research—the Entrepreneurship Working Group and the Innovation Policy and the Economy Group—and is a Research Associate in the Corporate Finance and Productivity Programs and serves as a co-editor of their publication Innovation Policy and the Economy.

Rafael La Porta

Rafael La Porta is professor of finance at the Tuck School. He received his PhD in economics from Harvard in 1994 and was on the Harvard faculty from that time until he joined Tuck in 2003.

Professor La Porta's research has focused on issues of investor protection and corporate governance across the world, an area known as "law and finance."

He is an expert on cross-country differences in laws and practice pertaining to investor protection and how those differences cause economies, stock markets, and firms' financing practices to vary.

Professor La Porta teaches the core Corporate Finance course as well as an International Corporate Finance elective course at Tuck.

Oliver Hart

Oliver Hart is currently the Andrew E. Furer Professor of Economics at Harvard University, where he has taught since 1993. Hart works mainly on contract theory, the theory of the firm, corporate finance, and law and economics. His research centers on the roles that ownership structure and contractual arrangements play in the governance and boundaries of corporations. He has published a book (Firms, Contracts, and Financial Structure, Oxford University Press, 1995) and numerous journal articles. He is a Fellow of the Econometric Society, the American Academy of Arts and Sciences, and the British Academy and has three honorary degrees. He has been president of the American Law and Economics Association and a vice president of the American Economic Association

Drew Fudenberg

Education
A..B., Harvard College, 1978, Applied Mathematics
Ph.D., Massachusetts Institute of Technology, Economics, 1981

Academic Appointments
Assistant Professor, University of California, Berkeley, 1981-1985
Visiting Assistant Professor, Massachusetts Institute of Technology, Fall 1984
Visiting Associate Professor, Stanford Graduate School of Business, Winter 1985
Associate Professor, University of California, Berkeley, 1985-1987
Visiting Professor, University of Toulouse, Spring 1992
Professor, Massachusetts Institute of Technology, 1987 - 1993
Professor, Harvard University, 1993 - present
Visiting Professor, MIT, 2003-2004

Professional Activities

Principal Investigator, National Science Foundation Grants, 1982 - present
Associate Editor of: the Journal of Economic Theory, 1984-1996; the Quarterly Journal of Economics, 1984-1989; Econometrica, 1985-1996; Games and Economic Behavior, 1988-1993. Foreign Editor, Review of Economic Studies, 1993-1996.
Editor of Econometrica, 1996-2000.
Member of Program Committee for the Winter 1985 and Summer 1987 North American Meetings, and the 1990 World Congress, of the Econometric Society.
National Science Foundation Panel, 1993-1995.

Fellowships And Awards

Sloan Foundation Research Fellowship, 1984
Fellow of the Econometric Society, 1987.
Guggenheim Fellow, 1990.
Fellow of the American Academy of Arts and Sciences, 1998.
Member of the Council of the Econometric Society, 1998-.

http://fudenberg.fas.harvard.edu/drewpub.htm

Steven Neil Kaplan

Steven Neil Kaplan conducts research on issues in private equity and entrepreneurial finance, corporate governance, mergers and acquisitions, and corporate finance. He has published papers in a number of academic and business journals. He has testified to the U.S. Senate Finance Committee and the U.S. House Financial Services Committee about his research.Kaplan is a research associate at the National Bureau of Economic Research and an associate editor of the Journal of Finance and the Journal of Financial Economics.

Kaplan teaches advanced MBA and executive courses in entrepreneurial finance and private equity, corporate financial management, corporate governance, and wealth management. He has been one of the top-rated teachers at the GSB in Business Week's bi-annual surveys since 1992. BusinessWeek named him one of the top 12 business school teachers in the country.

Kaplan serves on the board of directors of Accretive Health, Columbia Acorn Funds, and Morningstar. He also serves as a director of the Illinois Venture Capital Association and the University of Chicago Laboratory Schools, and as the academic dean of the Kauffman Fellows Program, an educational and mentoring program for new venture capitalists. He has been a member of the faculty since 1988.

He received his AB, summa cum laude, in Applied Mathematics and Economics from Harvard College and earned a PhD in Business Economics from Harvard University.

Raghuram G. Rajan

Economic Counsellor and Director, Research Department,IMF, (October 1, 2003—December 29, 2006)

zz from: http://www.imf.org/external/np/bio/eng/rr.htm

Raghuram G. Rajan is the Economic Counselor and Director of Research at the International Monetary Fund. Prior to holding this post, Rajan taught at the Graduate School of Business at the University of Chicago where he is the Joseph L. Gidwitz Professor of Finance. His research is broadly on the role of institutions, especially financial institutions, in fostering economic development. In 2003, Rajan was awarded the inaugural Fischer Black Prize by the American Finance Association for contributions to finance by an economist under 40. Rajan is an electrical engineering graduate from the Indian Institute of Technology in Delhi. He earned his M.B.A. from the Indian Institute of Management, Ahmedabad, and his Ph.D. from MIT.

Richard H. Thaler

Richard H. Thaler studies behavioral economics and finance as well as the psychology of decision-making which lies in the gap between economics and psychology. He investigates the implications of relaxing the standard economic assumption that everyone in the economy is rational and selfish, instead entertaining the possibility that some of the agents in the economy are sometimes human. Thaler is the director of the Center for Decision Research.

Thaler, with co-author Shlomo Benartzi of UCLA, won the 2005 Paul A. Samuelson Award for outstanding scholarly writing on lifelong financial security for "Save More Tomorrow: Using Behavioral Economics to Increase Employee Savings. Their winning paper was published in the Journal of Political Economy in February 2004. The Save More Tomorrow plan allows employees to allocate a portion of their future salary increases toward retirement savings. Contributions increase on each scheduled pay raise until the contribution rate reaches a preset maximum. Employees can opt out of the plan at any time.

He has published a number of articles in prominent journals such as the American Economics Review, the Journal of Finance and the Journal of Political Economy. He has authored three books: Quasi-Rational Economics, The Winner's Curse: Paradoxes and Anomalies of Economic Life, and Advances in Behavioral Finance (editor).

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His work has earned him a number of research grants, including ones from the U.S. Department of the Navy, the Alfred P. Sloan foundation, and the National Science Foundation.

Thaler is a member of the American Academy of Arts and and the co-director (with Robert Shiller) of the NBER project on behavioral economics.

Thaler worked as a research economist for the Center of Naval Analyses in Arlington. He went on to teach courses at Cornell, The University of British Columbia, the Sloan School of Management at MIT, and the Center for Advanced Study in Behavioral Sciences before joining The University of Chicago faculty in 1995.

Originally from New Jersey, Thaler attended Case Western Reserve University where he received a bachelor's degree in 1967. Soon after, he attended the University of Rochester where he received a master's degree in 1970 and a PhD in 1974. He joined the GSB faculty in 1995.

Eugene F. Fama

http://faculty.chicagogsb.edu/eugene.fama

Eugene F. Fama is widely recognized as the "father of modern finance." Fama's financial research is well known in both the economics and investment community. He is strongly identified with research on markets, particularly with regard to the efficient market hypothesis. Through his research he has brought an empirical and scientific rigor to the field of investment management, transforming the way finance is viewed and conducted.

He is a prolific author and researcher, having written two books and published more than 100 articles in academic journals. Fama is among the most cited of America's researchers. He focuses much of his study on the relation between risk and return and implications for portfolio management.

Fama has received numerous awards and honors. He was the 2007 recipient of the Fred Arditti Innovation Award given by the CME Center for Innovation. In announcing this year's award, Myron S. Scholes, Nobel Prize-winning economist and chairman of CME's Competitive Markets Advisory Council said, "Eugene Fama has had pathbreaking insights into the functioning of markets, asset pricing theory, and corporate finance that have benefited market participants worldwide. He has written extensively on the efficiency of markets, setting the backdrop for the transfer of risks through futures contracts such as those traded on the CME. His innovative research has resulted in his participation in the development of many new finance products and in the development of new futures contracts for hedging risks."

Other awards he has received include the 1982 Chaire Francqui (Belgian National Science Prize), the first Deutsche Bank Prize in Financial Economics in 2005, and the 2006 Nicholas Molodovsky Award from the CFA Institute recognizing his work in portfolio theory and asset pricing.

Fama's paper "The Cross-Section of Expected Stock Returns" with Kenneth R. French was the winner of the 1992 Smith Breeden Prize for the best paper in the Journal of Finance. His paper "Market Efficiency Long-Term Returns and Behavioral Finance" won the 1998 Fama-DFA Prize for the best paper published in the Journal of Financial Economics in the areas of capital markets and asset pricing.

He was the first elected fellow of the American Finance Association in 2001 and is also a fellow of the Econometric Society and the American Academy of Arts and Sciences. Fama is an advisory editor of the Journal of Financial Economics.

Fama is also chairman of the Center for Research in Security Prices at the GSB, which was founded 40 years ago to create the finest tools for tracking, measuring, and analyzing securities data. He is director of research at Dimensional Fund Advisors, an investment advising firm with more than $150 billion under management.

He earned a bachelor's degree from Tufts University in 1960, followed by an MBA and PhD from the University of Chicago Graduate School of Business in 1964. He also has been awarded a doctor of law degree from the University of Rochester, a doctor of law degree from DePaul University, a doctor honoris causa from the Catholic University of Leuven, Belgium, and a doctor of science honoris causa from Tufts University. He joined the GSB faculty in 1963.

Fama is a father of four and a grandfather of ten. He is an avid windsurfer and golfer, an opera buff, and a fading tennis player. He is a member of Malden Catholic High School's athletic hall of fame.