Never Let a “Writers Block” Leave Your Site Paralyzed Again

notes-514998_640So you’ve found a niche for your money making ideas, identified your keywords and phrases, and set up your website. It’s time to start (and keep) adding content.

After all, site visitors aren’t going to hang around long enough to see your ads or listen to your affiliate pitch if they don’t find something on the page that interests them. No matter what your monetization strategy is, you want your site to be something that provides people value so they will keep coming back for more. The only way you are going to accomplish this is by providing good, quality content.

Consider good, quality content as a part of customer service. Even if your visitors convert (click your ad or make a purchase) but never return, you should still strive to make sure that they had a good experience while they were on your site. You want them to recommend your site, thereby increasing your traffic, reputation, brand recognition and ranking. If you supply reliable information, your visitors are more likely to stick with your site long enough to pay attention to your marketing info–and to trust it enough to click through.

But what if you are having a Writer’s Block, and just cannot come up with ideas? How can you know get back to publishing useful information?

First, think about what someone would like to know about your topic.

If you’re also a beginner in your niche, this is simple. Your visitors probably have the same questions and concerns as you. So document on your site what you learn.

As long as you do not deceive your visitors into thinking you are an expert, this is perfectly fine. As a matter of fact, most people would probably prefer to learn from you than an expert, since you will speak in terms that they can understand well. On the other hand, if you are indeed an expert, try to remember your novice days, and pick a topic that helped you become an expert.

And try to explain it in novice terms without getting too technical. Or request questions from your visitors to find out what they would like to learn from you, and what depth of detail they prefer.

Money Making Ideas: Finding Content For Your Site

Photo Credit: Ed Yourdon

Next, do some research.

Your integrity as a website owner depends on the information you provide your clients. So, no matter how much of a brain freeze you are suffering from, don’t try to “wing it.”

Instead, do some research. The bulk of your research will probably be done online, anyway. Make sure you look for reliable websites though. If you know virtually nothing about your topic, Wikipedia is a good place to start. It will provide a broad understanding of your topic, a launching point for further research, and in most cases is trustworthy.

Check out other expert websites on your topic. If you have problems understanding technical aspects of your subject, eHow and Investopedia, Wikipedia, and so on are excellent places to find articles with simple explanations. These can be an excellent source to find something for you to write about. An ethical note: take notes! Unless the site explicitly allows you to lift content for your own use, you want to purvey your content using your own words. Plagiarism is wrong.

Now that you have an idea of what you want to write about, its time to actually crank out the article.

The first way, and the most obvious one if you enjoy writing and have an aptitude for it, is to write the articles yourself. This is by far the most inexpensive option available to you. When you write an article yourself, you have total control over what you want to say, the tone of the article and the direction it leads your visitors in. With all the notes you generate from your research, or the list of question you have compiled from your readers, it should be easy to come up with an article. Do not stress too much on the length or the article or a particular “style” of writing – as long as you provide value, you are doing good.

Now, on the other hand, if you were lucky to get out of English Composition with a C, or if you would rather go to a dentist than put words on paper, you’ll need to get some help. If you’re fortunate, you’ll have a spouse, significant other, child, or friend who does enjoy writing and won’t mind coming up with usable articles for a small fee. Otherwise, you can hire a freelancer. There are hundreds, if not thousands, of people out there who long to be paid for writing in a market where publishing opportunities are hard to come by. You can find small private freelance writer/editors by searching online; in this situation, you can build a loyal working relationship with one company. If you just want quick content, you can hire a writer on a per-job basis (although you may end up with a list of “favorites” later).

Of course, hiring a writer or virtual assistant costs money (the rate varies widely), and while you’re full of money making ideas, it can take time to see a profit.

After a few hours (or days) of research and writing, you should have your content ready. One final tip – don’t get so caught up in your research and writing that you forget that your website is meant to realize your money making ideas. Keep a list of your keywords handy and make sure you (or your writer) use them in appropriate ways. Never, ever give up and let a “writer’s block” paralyze your site again.

8 Things You Must Do Before You Even Start Looking for Clients

home-office-569359_640So you have decided to give freelancing, one of the most popular money making ideas, a shot.

Great!

What now?

Where do you get started?

Well, considering that the three most important words in the world of freelancing are – clients, clients and clients, we may as well get started there.

Freelancers work based on the demands of their clients, and without clients, a freelancer would be just another couch potato.

Finding clients is the ultimate goal for freelancers, but before you even you start looking for clients, there are 8 things you must do.

Let’s take a look at them here, and in the next article, we will cover the basics of how to find the clients. Here we go –

#1 Create a Portfolio

One of the first things potential clients will ask is, “Have you ever…?” or “Do you have references?” or “Do you have links to some work that I can see?” These are all very good and necessary questions that clients have the right to ask and you should be prepared to answer them.

If you’re just starting out in your particular niche and don’t have anything you can show for it, provide the client with a portfolio of work that you’ve done in another niche. If you’ve been in the game a while, you should compile a list of links to work that you’ve done before, and choose to showcase the best ones that you want other people to see.

#2 Create a Website

If you really want to impress and bring in the big game, you should consider purchasing a domain name and create a website. A website that contains your portfolio, a list of your services, a list of what you charge (we’ll cover this in a bit), testimonials, a link to your blog, links to your networking sites (also covered in a bit), and a way to contact you can make you look professional and get some instant credibility. That could be a big edge over a chunk of your competition.

If you have never set up a site before, this may seem intimidating. But believe me, it is a lot easier than it sounds. Websites are really cheap. Domain name from a site like 1and1.com costs less than $10 a year and purchasing them is a breeze. Your domain name can be as simple as your actual name, or it can be something catchy that also focuses on your professional services, for instance: drawntoexcellence.com for an illustrator, or writerperfect.com for a freelance writer, or designed2rock.com for a web designer or graphic designer.

You can set up the site yourself on a free platform likeWordPress or have someone do it for you. If you do it yourself, your only cost to worry about will be in the range of $30 – $50 per year for web hosting fees. If you have someone else design the site for you, it may cost you an additional $500 – $2000. If you choose to go with someone else to design the site for you, remember to insist that the site be on wordpress and ask your designer to help you pick a premium template. The advantage of using WordPress is that, you can easily learn how to use it and handle the administrative aspects yourself.WordPress is the most popular platform out there with a thriving community which will help you come up to speed quickly. And it offers the best balance in terms of cost, flexibility and ease of use.

#3 Create and Maintain a Blog

While this is not a “must”, it would definitely be beneficial to create and maintain a blog. If you’re the best at what you do, you need to show that to other people. A blog that focuses on your chosen industry will show people that you’re staying on top of the things that matter to them, and it shows what you are capable of. This is especially important if you’re a freelance writer.

Also, a blog with constantly changing content can help you immensely in getting your site to show up in search engine results, thereby creating a new channel of visitors and potential clients.

If you are looking to create a blog of your own, Making Sense of Cents has a very easy to follow tutorial.

#4 Register on Freelance Sites

Okay, this is a no brainer, but there are actually people who overlook this step. Before you go looking for clients, register on several freelance websites. Here is a list of some of the popular ones –

Many of these sites are free to sign up, but they all require a fee for any work done through the website. Often times, freelancers will find clients through these websites and take the work ‘offsite’ in order to bypass the fees.

#5 Create a Client Contract

Even freelance workers deserve the protection of written contracts. Before looking for clients, you need to sit down and create a contract that covers the service you are offering, the price agreed upon, the client’s details, the project details, and any actions you will take if the contract is broken.

No, you don’t have a client yet, but you can create a contract template that you will fill in with all the pertinent information later. When you get a client, if you aren’t under contract through one of the websites above, you must email the client the contract, request their signature, and have it sent back to you, either through the fax machine, or an online faxing service. In the event that you do not have a contract, at the very minimum ensure that all the terms of the project are in written format in an email.

#6 Set Your Pricing

We finally come to the most enjoyable part of all money making ideas (or the most dreaded one, depending on who you ask) – figuring out how much to charge. The best way to create a fair list of fees is to figure out what other people in your niche are charging. It’s best to look at people on the same skill and experience level as you. You probably won’t get the $120 an hour on your first project like a seasoned professional could get, but you can set that as your goal over the next 3 years.

Using what others are charging their clients as a base, you can either choose to charge by the hour, or charge a fixed rate per project. Freelance writers often charge per word, or per page on larger projects. If you take 2 hours to do a simple task, you might want to consider a per project price just because clients don’t want to pay you for slacking off or incompetence. If you can crank out 3 articles an hour, you need to charge a per word rate so you can get maximum returns for your skills.

#7 Register with an Online Payment Site

That brings us to the next important task – register with an online payment system where you’ll receive payments. Though there are several different payment systems, the most common one is www.PayPal.com. The advantages of using paypal are that it has come to become one of the universally accepted payment systems and your future clients will likely feel comfortable using it. Another advantage is that paypal keep records of payments sent and received, which comes in handy around tax time.

#8 Determine Your Hours

The beauty of working freelance is that you can choose to work whenever you want. If you wish, you could set up regular work hours per day, and take your weekends off like any other “regular” job. Or, you can choose to work just 3 hours a day if you have other obligations. If you have time to spare, you could also go10 hours a day and establish yourself. While this may be flexible, you should still think about it before you take on clients, so you will be in a position to provide accurate estimates to the client of when a project can be completed. Delivering a project within a predetermined time schedule is one of the key aspects of having the client come back to you for their next project.

These 8 simple things are all necessary to creating a persona that will snag clients and keep them happy in the long run. Now that you’ve completed these steps, you’re ready to move from ‘getting started’ to ‘getting clients”.

Evaluating and Negotiating Job Offers Part 5 – Employee Stock Purchase Plan

(This is part 5 of the series on Evaluating and Negotiating Job Offers. You may also find these other parts interesting: Part1: Base Salary, Part2: Signing Bonus and Relocation Benefits, Part3: Stock Option or Restricted Stock Units(RSUs), Part4: 401K, Part6: Other Perks).

The next aspect we look at is the Employee Stock Purchase Plan.

What is the Employee Stock Purchase Plan?

An Employee Stock Purchase Plan is offered by some of the employers, where the employees may contribute some percentage of their paycheck, after tax deductions, to buying company stocks at a discounted rate. Usually the discount is around 15%. The employees’ contributions are held in a no/low interest holding account for the holding period, usually 6 months. At the end of the holding period, the employee will be granted stocks for the amount of money he/she has contributed. The neat advantage of this is that you get an easy, guaranteed 15% return on your contribution, if you sell your stock immediately.

The discounted price of the stock is usually computed based on the minimum price of the stock on two days, the first day of the offering period and the last day of the offering period. So, if your company stock has increased during the offer period, then you can make a profit, in addition to the 15% discounted price.

The Gotchas

When you sell the stocks, you will incur taxes on the gains. You may also be assessed fees for the transactions.

Depending on the job role, you may be placed on the “restricted employees” or “insider trading” list. In such a case you will not be able to unload company stocks at will. So, if your job functions are related to company finances or includes inside knowledge, you may want to speak with the HR about all the different caveats of your stock purchase and options.

Setting your Expectations

Not all companies offer the Employee Stock Purchase Plan. So, don’t be disheartened if your offer package does not mention it.

Negotiation

This is usually not negotiable. Either the company offers it, or not. However, folks with multiple offers SHOULD use this while calculating the value of their whole package for comparing the different offers.

(Check out all the other parts of this series at – Part1: Base Salary, Part2: Signing Bonus and Relocation BenefitsPart3: Stock Options or Restricted Stock Units(RSUs)Part4: 401KPart6: Other Perks).

More Work; Less Results?

This post is a blast from the past. It’s a great one. Enjoy!

It’s two months to date since I started blogging. This has got to be the most “consistently time consuming” hobby I have ever had. I seem to think about my blog all the time.

What should I write next, how should I present it, what are others writing, SEO, traffic, templates, phew!. It’s been a heck of a ride so far. I have a ton of seemingly great ideas. But still, when I look at my blog, I think very little is actually getting done. Computer engineers call this state “thrashing”, where the system is too busy jumping from one resource to another without actually getting any real work done. (Psychologists will probably call it Attention Deficit Disorder, though 🙂

Basically, I think about nothing else, and am constantly working on it, but nothing substantial really gets done. Ever happened to you?

Of all the self-sabotage games my mind plays with me, this is probably one of the most destructive ones. With so much time spent, and so little to show, it’s very easy to get disheartened and give up. But in this particular round of Me-vs-My-mind, I shall prevail!

Step 1: Walk away from the task

In this case, the blog. I hadn’t realized how little TV I have watched ever since I started blogging! So, I put away the laptop, got a big chunk of chocolate cake and relaxed in front of the TV. The chocolate cake is not a necessary part of this step, but somehow seems to help 🙂 As I watched the TV (and ate the chocolate cake), I drove away all thoughts of blogging that were crowding my mind. I believe, before the advent of TV, people used to resort to meditation to clear their mind. Can you imagine that! Anyway, with a couple of hours away from the anxiety of blogging, the anxiety about the anxiety of blogging, slowly started to recede.

Step 2: Figure out what the anxiety is about

Ok. Let’s see. I am a new blogger. The main source of traffic to my blog is from carnivals. While I have posted a few times during the last week, not many of the posts are, by my standards, “carnival-grade”. Most carnivals have deadlines on Sunday. So, I need to write something good quickly. I have so many ideas. I don’t know which one to start writing about. There are so many carnivals. I don’t know which one to write for first. Let me start with XYZ. Start researching on the net. One link leads to another. I am now on a page talking about ABC. Wait a minute, I wanted to write about ABC too. So let me read this first and maybe write about this first. Before I know it, I have spent a couple of hours browsing and read about all the letters of the alphabet, but haven’t written a single word. Gosh, I want to write about so many things, and I haven’t even started. Brrrrrriiiiiiingggg, anxiety.

Step 3: Stop “thrashing”

Pick ONE topic and start writing. Stay focused. Don’t allow distractions. In this case, I just started typing about the first thing that came into my mind (which is, but of course, “thrashing”). The idea is to get in the zone. To go beyond “OMG I’m not getting anything done” to “There, I have started”. At this point it doesn’t really matter what exactly you are writing about. If there is something to research, leave a “hole” and continue writing. Kill the doubts. Quell the urge to go look up something. Ignore the call from other ideas. Just put the current thought down. That should be the ONLY focus. Keep writing until you are done writing about all you have to say about this ONE thought. The spellings are probably off. The grammar is probably bad. It doesn’t matter. Don’t stop until you are done writing about the ONE thought that you started writing about.

Step 4: Plug the holes, add the finishing touches

Once the writing is complete, breathe a sigh of relief. Relax and re-read the post. Did I say all I wanted to say? Did I say it right? Do I need to fix spellings or grammar? Do I need to add any links or pictures? Polish the post until it’s satisfactory.

Step 5: See, now you have a post. You are not trashing anymore!

Cheers! Applause! Drinks to everyone on me. Great. Now move on to the next thought/idea/task whatever that was causing the “thrashing” in the first place. Repeat.

I don’t know if “thrashing” ever happens to others. I would think it does, because I am a fairly normal person with fairly normal behaviorial challenges. If you have never experienced thrashing before, you probably have no clue what I am ranting about 🙂

But if you do get into “thrashing” then, step back and clear your mind, reorganize your thoughts, pick one idea and see it through to the end leaving holes if necessary, return at the end to fix the holes, and repeat with the next idea.

No matter how overwhelming things get, this simple strategy helps get some results! It’s fairly generic too…. works in all sorts of situations like dealing with examinations, dealing with debt, starting a new venture etc.

PS: If you do “thrash” wouldja please leave me a comment? The last time I checked, I was quite normal 🙂 Let’s see how it goes this time 🙂

 

Building Credit History

Building Credit HistorySome day you will graduate. And you will have a fancy job. And you will want to buy a house. The bankers, see, they don’t care that you have a Ph.D. When you go ask them for hundreds of thousands of dollars in loan, what they want to know is how reliable you are and how safe their money will be in your hands.

That’s where having a good credit score comes in handy. (I remember reading that these days, even jobs, insurance rates etc are tied to the credit score. Since I don’t know enough about that yet, I will leave that topic for some other post.)

I cannot emphasize enough about how important it is to have a good credit score. So here’s an example.

On a 30 year mortgage of $200K, 0.5% increase in your interest rate can mean $23K extra paid in interest, a 1% increase in interest rate translates to $47K extra dollars in interest and 2% increase in interest rate equals a whopping $95K additional dollars paid by you. The bankers save their lowest interest rates for the best credit score. So, you see my point right?

Here are some rules for building a good credit history

  • Start Early. It is not clear what the exact formula is used for calculating your credit score, but the age of the account is a definite parameter. If you are not sure if you qualify for a credit card yet, start with a store card or a student card. The interest on these cards will likely be very high, but that should not matter to you because of the next rule
  • Never charge more than what you can pay off in full every month to your credit card. If you lack the discipline to follow this rule, then keep your credit card at home and don’t take it anywhere with you, EVER. Set one of your recurring bills (eg. utilities, cell phone bill etc) to get direct billed to your credit card, and when your utilities/phone bill comes in every month, instead of paying it, pay your credit card immediately (This can easily be done online for most cards these days). Apart from the initial set up, nothing else changes and you will be able to build good credit score without risking defaulting
  • Never use the full 100% credit limit even if you can pay it off in full. 100% card utilization will bring your credit score low. Try to keep the utilization below 50%. And certainly Never go over limit! . You need to be particularly careful if this is your first card and it came with a low credit limit to make sure you do not accidentally overcharge it
  • Never ever be late with your payments. This is where being able to pay the card online will come in very handy. Also, some credit cards allow you to choose your statement date. When I was a student, here is what I did. I contacted my credit card companies and requested my statement date to the end of the month so that the payment is due by the 15th of the next month. I set a monthly reminder for myself (through yahoo reminders) for the 1st, so I would pay both the rent and credit cards on the same day. That way, I would never be late.
  • Do not apply to a lot of cards Look on the Internet and find out which card is the best for students and apply only to one card that you have a good chance of getting accepted. Once your receive your card, wait for at least a year or so before applying for another card
  • Do not close old credit cards. Say after a year you apply for another card and receive much higher limit and much lower interest. Do not close your first card. Use it infrequently to avoid being closed due to inactivity. The reason is, closing that card will bring the average age of your credit history down
  • Take measures to protect yourself from identity theft . Keep you card in a safe place. Either file away monthly statements in a safe place or make sure to shred them before disposing them. If you receive mails soliciting you for “pre-approved” cards (you will likely start getting some of these “junk” mails once you get approved for one card) and you don’t want to use them, shred them before disposing them. Check your credit score annually for free at AnnualCreditReport.com. My ex-roommate’s spouse was a victim of identity theft – believe me you cannot afford to have your credit score thrashed by some low life!
  • If you are married, repeat above for spouse . Credit score is for individuals. It will help in the future if both you and the spouse have pristine credit scores. Suppose you want to apply for two separate loans, say one for the car and one for the house, then you can take the two loans separately on each of your names and avail the good interest rates. Also, in the unfortunate event that the primary head of the household dies, it will help for the other person to have their own credit history.

Wow, that is one long post! And these are just the basic rules. There’s a lot of other interesting aspects to credit cards (fees, rewards, bonuses etc etc). We will just have to come back to it in another post, I guess 🙂

 

Photo Credit: Lendingmemo.com

Old Fashioned Ways to Generate Brilliant Ideas for Your Next Blog Post Part 1

You know many different ways to find ideas for your next blog post … the comments on your previous blog posts; mining social media sites like twitter, Facebook, Digg and delicious; searching through related forums and question/answer sites; other blogs in your niche and their comments – the list could just go on.

But some days, you just feel a little blah, and none of these usual sources of ideas seem to cut it. No amount of caffeine seems to help improve the situation.

No matter how many times you wrack your brain, or how many times you’ve sat in front of your computer screen and prayed for inspiration, you just cannot seem to come up with a blog topic that will keep your readers interested. You need something new, something unconventional, something that will crush it. Maybe it’s time to go back in time and do what Shakespeare probably did when he needed some ideas.

 

Take a Walk

The world is full of people and places that can truly inspire the written epic. Most of the world’s famous works of literature were inspired by real life events, people, home towns, and other places. Take a walk to the park, through the mall, to the corner coffee shop, the local bus station, or grocery store. People watching is fun and if you really watch what people are doing, you can easily find more fodder for your blog that you have the time to publish. If it helps Leo Babauta of Zen Habits, one of the most popular blogs of our times, with his writing, it can help you too!

 

Live in the Moment

Money Making Ideas: Blog Ideas the Old Fashioned WayEvery day experiences can provide tons of blog ideas, but we are so busy these days trying to “do” things, that we forget to “be” and learn from these experiences. Make a conscious effort to live in the moment. Every little experience can teach you something and provide you with much needed ideas to crank out a stellar post, even if the experience is not a pleasant one. Check out Pat Flynn’s article Why Some Procrastinators Succeed and What We Can Learn From Them to see how he turned annoyance into a valuable post.

Family can be a great source of blog content too. So can your friends. Spend some time visiting family or an old friend. It doesn’t matter if you’re getting together for a holiday, Sunday lunch, a quick visit or a long stay–family and friends say, do, and live the most interesting things. Ask your 3 year old nephew about his day at the zoo or leaf through some old photographs with you Nana. You can find life lessons, metaphors, opening sentences, inspiration or just an interesting anecdote that you can share with the world. A word of warning- be sensitive about what you share–not everyone will appreciate your candor or all out blabbing. By far, the best, the most moving article I have read about blogging (or anything for that matter) is On Dying, Mothers, and Fighting for Your Ideas.

Vacations are another great way to find blogging ideas. A change of scene, the vibes of a new place, the quirks of the new people and just the sense of getting away can inspire a good number of ideas. If you cannot afford to fly to an exotic place, then take a road trip to a quaint little town near you, or head out to the city. Take a train ride by the rolling country side or a metro ride through the bustling city. No matter what you niche is, you are bound to find some ideas to write about. Leo Babauta wrote a great article about fitness after a trip to Japan Why You (Almost) Never See a Fat Japanese.

 

Watch TV or a Movie

There, I said it. But instead of just losing yourself to what’s playing on the screen, use it as your own personal muse. Hollywood and the TV studios spew out blog worthy ideas 24/7/365. The producers are basically handing you interesting blog content with every movie, tv series, celebrity gossip show and documentary they release. It doesn’t matter if the show has millions of viewers or got canned after the pilot episode, the movie made millions on opening day or wasn’t worth the price of the piece of paper the ticket was printed on, whether the actor died before post-production and ended up with an Oscar or was lost in the crowd as a drunk failure–if you have the right mindset, they can be a bottomless pit of money making ideas. Just take a look at some of these posts that were hugely popular for examples of how you can use pretty much any movie or pop culture reference to write about any topic –

 

How do you get inspiration for your blog posts?

Money Making Mistakes You Should Avoid

Money making ideas are delicate and there is little room for miscalculations. One of the most common place mistakes in personal finance is budgeting for the short term. Research trends indicate that making an annual budget is a wise decision over a monthly one. One of the aspects behind this trend is that annual budgets leave more room for unexpected expenses.

A recent survey done by the Bureau of Labor Statistics on college students indicates that they tend to underestimate monthly expenses by 40 percent whereas annual expenses had a 3 percent margin of error.

A related mistake that people commit is related to skimping on career investments. Many never think about it while others ignore it on the account that it is a cost effective affair. However, investing in your personal development means that you’re giving yourself a chance to get promoted. This means a large monthly income that can cover your career investment. [Read more…]

How To Supplement Your New Grad Income

I graduated from college last year with a job, which is a rare occurrence for today’s grad, so I felt very lucky. As you could imagine, it was an entry level job…with entry level pay, but when you come straight from school you think anything is pretty good pay. However, within the first few months you start to realize that with rent, utilities, car payments, and food, it starts to run out very quickly. Keep in mind that I am an accounting major, so I tend to budget pretty tightly. Nevertheless, it was apparent that I needed to pick up some extra cash. It didn’t matter how, I just needed to, so I did what any new grad would do…called my parents. Here’s some ways that we came up with to get some extra cash in and save money.

1)      Get Another Job: This is most obvious one. Of course the first thing everyone thinks of when they need more money is to get another job. Here’s the catch, you need one on top of your full time job. So I started to think, what can I do in my spare time that might make me some extra cash without constraining my schedule. I finally settled upon a freelance writer. It’s not glamorous, and honestly it doesn’t pay a whole lot, but it brings in a little bit of spending money. [Read more…]

Process of Filing a Lien Form

When a contractor does not pay subcontractors, workers, suppliers and other payments, these individuals will go to the property owner to demand payment. This is regardless if the owner had paid the contractor in full with the expectation that the contractor would take care of all the subsequent payments needed for construction or renovation. The conditions for payment are different for projects that build a new structure and for projects that only added on improvements and renovations. But by law, both types are subject to legal claims called construction liens. Material suppliers and builders can file for liens within ninety days after they have stopped delivering supplies or stopped working. In some states, a pre lien notice is required before filing a full lien petition for payment. This is to give the property owner a chance to pay without having to go through mediation of a government agency. But in other states, a pre-lien notice is not required.

A lien can be applied for with the assistance of a lien service online. You can also download construction lien forms in PDF format from the internet. Another option is to go visit the government office responsible for lien application and get your forms from the clerk. Application forms are submitted by mail or directly to the government office. Do not forget to attach supporting documents with your applications. The documents need are used to show how much labor and supplies are valued that require payment. You can show receipts and time cards to indicate work completed and supplies that have been delivered and used. [Read more…]

Cash for Gold is Good Insurance

With the economy being as volatile as it currently is, gold is perhaps the only means of investment that has managed to retain a stable price. That is why when you find it in excess among your belongings and you are in need of some quick cash, you can trade it in for the monetary assistance. There are several online outfits that will give you a good price for your gold. Similarly, there are brick and mortar companies that will offer you the same services.

If you are looking to trade in your gold for some cash, then it would be a good idea to know how to go about it correctly. First thing would be to sort out your gold into things you would like to keep and those that are just plain excessive. Evaluate each piece on a personal level and be sure of what you want to keep and what you want to trade. [Read more…]