How To Make Money Online Working At Home

Would you be interested in learning how to become your own BOSS

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The Boss!

rather than “busting your gut” working for someone else?

Oftentimes that “someone else” not even appreciating your efforts or recognising your talents!

If this describes even part of how you feel, well, you are just one of many and it’s definitely not a new phenomenon among workers.

Don’t get me wrong, when your job is good and you are happy at what you’re doing for a decent wage……..that’s great, really great and you are one of the lucky ones.

But it does not mean you can’t dream about having your own business and becoming your own boss.

What I’m going to talk about today is how to make money online working at home……or indeed, from working anywhere in the world with internet access.

In addition and to make things easier, you can start off working in your spare time while deciding how far you want to go – to stay part-time or to expand to a full time business.

And, you will find this hard to believe, to make things even EASIER and SIMPLER, you can try out my proposal for FREE.

Yes, you can become a Starter Member, get training and build two websites without having to pay anything.

Everybody loves this feature as it means you can “dip your toe in the water” so to speak and try things out, then if it’s not for you, well, nothings lost.

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Get Started With Changing Your Life Right Now

Making Money Online – How Does It Work?


This topic of “just how do you make money online” can cause confusion. Defining how to do this is not as simple as it sounds because there are just SO MANY different ways you can earn money online, just like we know there are so many different ways to earn money in the offline world.

When you think about it, asking that question is no different than asking “how do I make money?” because of the many different ways people find to make money. So, if you give me a few minutes of your time I am going to explain exactly what the process is and what the foundation for online success starts with.

Sound good to you? OK, let’s start.

So first off, the foundation for how to work online from home…

Step 1: The Foundation of Online Success – A Website

No doubt about it, you need a WEBSITE of your own to become successful online.

People try to hack together a business without a website and they end up failing. You cannot spam the heck out of Facebook, Twitter etc., and expect results, you NEED A WEBSITE.

Each of us will have our own preferences, but have a look at this example of a website created in Wealthy Affiliate.

A website is equivalent to the foundation for a building.  In order for a builder to successfully build a house or an architect to design a skyscraper, it requires a solid foundation.  An online business is no different and your foundation will be your website.

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Mud Hut

You don’t want a “mud hut”. By this I mean, don’t build anything that is a mud hut (low quality or without a foundation) because it can easily collapse. You want to build a solid foundation and this requires a website…and this will allow you to build your virtual sky scrapers.

You can learn how to build “skyscrapers”.  I am not a fan of building something that “can be washed away by the rain”, definitely not a long term business model. So get the foundation right from the start and, when you build something substantial, you will be VERY SUCCESSFUL online.

Step 2: Building Your Virtual House – The Content

OK, so now you have your very own website, now what.  Well, the next step in the process is to create content.  Content will be one big reason why you get a good deal of your traffic (through Search Engine Optimisation – SEO). Next, your ability to build relationships with your visitors (which leads to revenue), and finally, the creation of your brand (which will lead to a long term, ongoing business).

What do I mean by Content – Content can be a variety of things, from text, to comments/dialogue within your content, to video and audio.

Search engines like Google love websites that are content rich and so do PEOPLE…..your website visitors.

Build quality content and the buyers will come.

Step 3: Putting Your Foundation on a Busy Street – Get Traffic

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Potential website traffic!

Potential Visitor Traffic

You now have your foundation for success, now you need “visitor’s eyes” on your website, also known as website traffic.  But how do you get this sort of traffic?

There are many ways in which you can do this, content being the first and foremost thing for you to focus on.

  • Writing Content
  • Creating Videos
  • Getting Rankings in Google (which comes from content)
  • Paid Traffic
  • Ad Buys

These are some of the things that can be learned within Wealthy Affiliate, the top place to get an education in online business anywhere.

So if you don’t understand what some of these things mean, they can most definitely be learned.

The Wealthy Affiliate community and Kyle himself, will be more than happy to help you out with any of your questions – you simply submit a question within Wealthy Affiliate. However, you do need to create your Free Starter Account  first…..yes, it’s free so nothing to lose, right!

Step 4: Website Goes Live – The Money Part

This is where it gets really fun.  There are 100’s of ways you can make money from a site that has traffic.  Here are just a few of the proven ways:

  • Selling Advertising (to other website owners)

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    The money part

  • Selling Affiliate Products
  • Selling Amazon Products
  • Selling Products that You Own
  • Selling the Actual Website
  • Google Adsense (putting ads on your site)

This is just a small sample of the possibilities.  Once you have your very own website (easy to create these days), content and some traffic…the sky is literally the limit.

Whether you are looking to earn a “part time” income or you want to earn a substantial living online, this is up to you. For additional information and detail, go to why do I need a website for my business? and why become an affiliate marketer.

Do Not Try This Alone!!

The absolute first thing I would suggest is that you DO NOT go at it alone.

Don’t try to find your way through the “wild west”.  There are too many “cowboys” and too many scams out there, too many “vulture” gurus, and too many people giving out misinformation.

That is why I want to invite you to MY hangout, the place where I help people like YOU every day, for free.  No catches, no credit card, just fill out a form and you’re IN!

So, now that you have a better understanding of how to make money online working at home, join me now in Wealthy Affiliate.


And if you ever need a hand with anything or are confused about the process of “earning” online, let me know.

My name is Michael, just leave a comment in the box below or Contact Me and I will be more than happy to help you out.

 

Cheers for now and take care.

Michael.

How To Make Money At Home

Whether you are employed, unemployed or retired, any additional money that can be made at home is very welcome.

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Home Office!

Even better, when you can make enough money to become your own boss and work from the comfort of your own home.

If this is something you are interested in, then read on…..

So now, as you are staying with me, I want to firstly assure you that I’m not in the business of wasting my time, you time or leading you down a road to nowhere.

I’m going to show you how to make money at home with minimal costs and working in an area of business that I know you will enjoy.

I bet you are now thinking, “how can I know that you will enjoy it”?

Your Passion


Well, one of the many great things about my proposal to you is that you will have the opportunity to pick your own “Niche”, a niche being a specific area of the worldwide market. So, at a certain stage, you will have to think about what it is that really interests you, something that you are passionate about or something that you just love talking about…let’s call this your PASSION.

For example, let’s say your passion is fishing or mountain climbing or golf or gardening or weight loss or whatever (it can be anything) and you just love talking about it. You then decide on a specific area within that passion of yours……. continuing with our example, for fishing you might concentrate on Fresh Water Fishing Rods or Fishing Lures or for mountain climbing you might concentrate on Footwear or Clothing or other mountain climbing equipment

The whole idea being, your business will be built around YOUR passion, so you will love it, right!

Turning Your Passion Into A Business


OK, so supposing there was an easy way to take that passion of yours and turn it into a profitable work at home online business. A way where you would get paid by major online retailers, with no need to buy products for sale, no need to sell, no need to recruit people or meet people, you work the hours that suit you and you don’t even have to leave your home.

Would that be of interest to you?

Well, if you want that type of genuine work from home online business opportunity, then I have the perfect solution for you – let me introduce you to Wealthy Affiliate.

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Get started with changing your life right now.

Wealthy Affiliate Provides Everything You Need


But, remember, only YOU can make yourself successful……there is no magic formula for success despite the number of get rich quick schemes you see on the internet.

You can create your very own internet business and Wealthy Affiliate will provide everything you need, yes everything, including training, websites, resources and support 24/7.

Other people have tried to earn money on the internet and, even when the start seemed promising, soon they realised everything was not quite coming together as they thought it would. The fact is, people are getting “drawn in” to online scams, then paying out good money and soon realising they are getting nothing in return!

That Is Why I Say, Try Before You Buy


As a result, here at Powerful Affiliate, I only recommend “try before you buy” systems.

And so it is with Wealthy Affiliate, you can start the easy step by step training and website creation without paying anything, yes completely FREE.

This way you get to check out Wealthy Affiliate and see for yourself the amazing training, resources and support it has to offer.

Then, after you have got started and had a really good look around, you have the option of becoming a Premium member with access to way more additional features and training………….in fact, everything that you will ever need to succeed. There is nothing even close to this available anywhere else.

Becoming Successful Online

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Success Online

Now, I want to get into online business success and, especially, what is needed FROM YOU in order for you to achieve success within the online world.

Maybe you have already tried an online business and failed – if that’s the case, what stopped you from being successful?

Was it fear of failure?

Were you afraid to try new things?

Maybe it was because you were exposed to one online scam after another and, if that is the case, well that just really sucks……

If that was the case, it’s all behind you now.

Today, I am going to completely turn you around and get you walking in the right direction for both legal and ethical online programs.

Building a Business Online Requires Just 3 Things


It is a fact that, whether someone achieves success online or does not achieve success online can be narrowed down to a few things…in fact just 3.

If you have never read about the company Wealthy Affiliate, you can read about it HERE. Both of the founders, Kyle and Carson, have been within the online world since 2002.

Since then they have learned a lot about online businesses, how to help them succeed and, probably more important, they have learned a lot about people.

People create success in many different ways, we all achieve it a bit differently from each other. However, people who earn money online have some things in common with all other people that earn money online – these things are:

#1 – They Have Help

If you are anything like me, you get frustrated when you are stuck.  There is only one thing worse than being stuck and that is NOT having anyone to help when you are stuck.

At Wealthy Affiliate you will never be abandoned…….

The support and help available is just amazing – both from the owners of the company and from the community of members.

#2 – They Have Their Own Website

No website, no success.  If you are trying to go into the online world without a website of your own, you will find it very difficult and, most likely, you will be wasting your time.

If you don’t have one and know nothing about setting up a website, don’t worry.

There is good news, building a website is now very easy.  In fact, in a few minutes from now you can have your very own website up and running online.  Yes, in a few minutes from now…without spending a single cent of your own money.

Remember what I said about liking things that are free to try and free to use, websites with Wealthy Affiliate are no different. You can join as a Starter Member for FREE and check it out…….nothing to lose.

#3 – They Learn Regularly & Practice Properly

Unfortunately, without learning something you won’t be able to do something.

Back when you were very young learning to ride a bike, most likely one of your parents helped you when you fell and then helped you get back up again.  They may have even made things easier by putting extra “training” wheels on your bike.

I’m sure you will agree, it would have been a struggle without that GUIDANCE, TRAINING and PRACTICE.

Now, as an adult, you need:

  • More Training
  • Self motivation
  • More Learning & Practice – the more you know and the more you learn and practice, the more you do naturally.

Think about basketball, do you think Michael Jordan thought about the mechanics of his shot every time he scored a basket? No, he practised so much that he was able to let his mind run free and he was able to just “score” naturally.

That is what is going to happen when you get Properly Trained and when you Practice Properly at Wealthy Affiliate.

A Starter Member At Wealthy Affiliate


Here is what you get when you sign-up for FREE as a Starer Member:

  • Ongoing topical discussions
  • Live Chat support
  • Help within a community of 10,000’s of users
  • Personal Help & Support
  • Two Free Websites
  • Fully Functional WordPress Sites, ready to make money online
  • Training Galore
  • Video Classes
  • Tutorials
  • Courses
  • Entire Classrooms

All this at zero cost…no credit card required.

I know, it seems nuts and that is because it is. You will not find training this robust anywhere or support like this anywhere.

As I said earlier, there is a Premium Option that you will be offered and that you should consider. That premium option will give you access to WAY MORE features and multiple websites.

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Get Started, it’s Free!

As shown in the screen capture above, YOU should now choose the “Create A FREE Account” option and you will instantly get access to the community.

Summary Of How To Make Money At Home


#1 – Join Wealthy Affiliate as a Starter Member for FREE

#2 – Think about your PASSION again, that can be what your website is about – this will be what’s called your Niche. It can be anything but be as specific as you can, for example “How To Lose Belly Fat” would be better than a broad term like “How To Lose Weight” or “Best Basketball Shoes” would be better than “Basketball”.

If you don’t have a passion, you will get help and guidance with choosing a niche.

#3 – Follow the very easy steps within Wealthy Affiliate to set up your website….don’t worry, if you can make a sausage sandwich you can do all of this…….take my word for it.

#4 – Carry out some research and decide what products, relevant to your niche, that you want to promote on your website.

#5 – Join an affiliate program, with an Online Retailer like Amazon that markets your products, and start promoting those products with reviews and posts on your website.

#6 – Those products will have links back to the Online Retailer, say Amazon for example, then every time a visitor to your website clicks on a link and buys a product, you get a commission – each and every time – and the price paid by the purchaser is the same as if they went direct.

#7 – There are 2.8 billion people online and there are millions of products you can promote as an affiliate……….just one example, there are thousands of different Basketball shoes on Amazon alone and you could earn commission by promoting any one of them!

#8 – If you decide to become a Premium member, with all the related benefits, it will cost you less than $50.00 per month and that covers everything you will ever need to succeed………….now, you must agree, any business would be very happy with monthly costs as low as that.

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Wealthy Affiliate Membership Grid – Starter & Premium Membership Options

 


So, there you have it for today.

 

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Get Started Now

 

However, if you are not quite ready to avail of this opportunity just now, check out my other pages and posts especially the Wealthy Affiliate university review, this is my one and only recommendation and it will suit you or anybody else who wants to know how to make money at home.

If you have any questions, I really do want to help! Just leave your question or comment below or, if you prefer, contact me!

I look forward to hearing from you.

Thanks for visiting and do call again as the website is continually updated.

Cheers for now,

Michael

5 Tips For Working From Home

5 Tips For Those Working from Home that will help you succeed

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Home Office Space

Working from home is an increasingly popular option for workers worldwide. In fact, many consider this is such an important job perk, that it is worth discussing at interview or at job negotiation stage.

Then, if that option was to become a reality you would definitely want to succeed at your job and, to do that, you would need a “work from home” space that actually works for you.

Likewise, if you are running your own online business working from home, you should implement these tips to make sure your workplace setup is not hindering your progress and chances of success.

With that in mind, I have these 5 tips for working from home that will help you set up a home office, will help you maintain or increase your productivity and avoid some of the common mistakes made by newcomers to the work from home scene.

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Get Started With Changing Your Life Right Now

#1 – Have a Dedicated Space

It’s not practical or realistic to think you can set up for work in a different spot each day, right!

Logging in from the bed, the sofa or the dining room table…….. sure, there is no reason why you can’t move around during your day, in fact that is one of the many advantages of working from home.

But you do need a dedicated place to keep your files, receipts, charging points and a monitor, as well as a quiet area to meet personal callers.

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An Internet Millionaire’s Secret Formula…click on Image

If you have a guest bedroom with space for a desk, that can be an ideal choice for a home office. Or, if you live in an apartment, you might consider installing a small office space in the living room by adding a good light, a desktop, a power extension and cord – all of which can be picked up quite cheaply locally or online.

Whatever space you choose, make it permanent and easy to access.

Constantly clearing a space and re-organising yourself, will just cause irritation and stress that will not help you.

#2 – Limit Your Distractions

You might think you can glance at TV news every now and then and that may be true. But if you turn up the sound or – far worse – you switch channels to a favourite like Sports Channel, DIY or whatever, you are finished!

Do you really think you can focus with that amount of distraction in the room? Ask yourself – would you do this in front of your boss or co-workers?

Notifications from electronic devices can also be a distraction. They’ll tempt you to check your voicemail, texts, Facebook messages, or Instagram account – a sure way to lose focus.

Try to separate your personal and social communication platforms from your work computer.

Set up alarms or a schedule for stretching your legs and checking your devices – this will ensure you stay focused between those short breaks.

A window with a busy view might not help as it gives your mind more things to process than it needs. Even worse when your space is filled with personal business like unpaid bills, grocery shopping lists or things you need to file.

If at all possible, keep your work space separate from your personal office.

Limiting distractions means asking yourself, ‘Would this be acceptable at head office?’

#3 – Prioritise Ergonomics

No matter where you work, you can only do it if you’re not in physical pain.

If you can, invest in an ergonomic keyboard. These are designed to protect your wrists and hands, something that chiropractors, massage therapists and orthopaedic surgeons think is important.

Just as important – your desk height. Make sure your work surface is not too high or you’ll be holding your shoulders up all day. A small desk with a keyboard tray can be a great investment in your productivity and “work from home” wellness. These are available from local stores and online retailers.

A desk that can be raised is also a great investment as, standing for a good portion of your day can help keep you healthier, aid your circulation and may even prevent weight gain.

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Office chair

Don’t scrimp on your seating either – invest in an ergonomic chair. This will pay dividends in the long run, since comfort equals productivity.

And, get a good light, especially if you do a fair amount of reading or document proofing. There’s no substitute for good lighting.

#4 – Don’t Forget these Essentials

When setting up your space, keep these important necessities in mind:

  • Make sure you don’t have a bright window at your back while working on your computer. Very few shades can compensate for a window’s glare on your screen. Although, you must also remember, natural light can do wonders for productivity (not to mention mood and overall health), so position your work space to get the benefits of a window without the drawbacks.
  • Determine where your nearest power outlets are and make sure you can plug in the many devices you need where you need them.
  • Check and make sure your location has great mobile signal strength or, if necessary, plan on putting in a land line. Make sure you have a strong Wi-Fi connection and that it’s fast enough for your work requirements.
  • Spend a few workday hours at home to make sure your neighbours don’t have super-noisy habits (or dogs) of which you’re not aware.

#5 – Find a Balance: Convenience vs. Lifestyle

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Everything you will ever need…

If you have roommates or a romantic partner, don’t leave them out of the conversation.

If they’re not happy while you’re working, or with where you work, this will affect your focus and therefore your productivity.

Discuss these questions:

  • How often is your room mate home during working hours?
  • Will conference calls or the need for quiet necessitate a change in their lifestyle?
  • Will an office in the bedroom put a crimp in your love life?
  • Will file folders or training manuals feel like clutter?
  • Will a computer desk eliminate the option of in-home workouts?
  • Are someone’s habits going to change when it comes to watching TV, listening to music or having friends drop by?

As I said before, talk to your room mate or partner and resolve any issues or at least get their agreement before starting to set up your work space.

Of course, working from home will also have lots of advantages like:

  • Diesel / gasoline savings
  • Commuting time saved
  • More free time
  • Less demands in the wardrobe department
  • More flexibility

Just make sure your work from home office positions YOU for success.

Implementing these tips for working from home will put you in a position where you can stay focused on your daily tasks, achieve your work goals and maintain good health.

That must be good for you, right?


Well, that’s it for today.

You can also check out these related topics how to start an online business that makes money and how to work online at home.

If you found this information helpful, please share on social media.

Thank you for visiting and do leave a comment below before you go.

Cheers,

Michael

Is Affiliate Marketing Worth The Effort

Affiliate Marketing Continues To Grow

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Online Affiliate Marketing

Over the last 15 years, Affiliate Marketing has evolved from something that was a mere tool for companies to extend their reach online, to something that is a vital part of their actual businesses.

To such an extent that today, many businesses rely solely on affiliate marketing to build their brand, their exposure and their revenue. So, the answer to the question “is affiliate marketing worth the effort” is a resounding YES.

If you are a company with an online presence and you don’t have an affiliate program in 2018, you truly don’t have a proper online presence. It’s that simple.

With Affiliate Marketing, you have a lot of opportunities online in 2018, more so than I have ever seen. This will continue over the coming years as the Internet continues to grow, as people are more connected more often and as more and more companies continue to invest most of their marketing budgets into affiliate programs for their online sales.

Affiliate Marketing in 2018, is it Any Different?

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Online Office!

Okay, time for a quick break down of affiliate marketing.

First, what is affiliate marketing?

Affiliate marketing is the process of promoting another companies product or service in exchange for a commission. There are 100,000’s of affiliate programs that you can join, choose products, promote them and then get a commission on every sale.

At the core of an online business, you have a product and you have a consumer.

Connecting these two items is YOU, the affiliate (and your affiliate link).

CONSUMER => GOES THROUGH AFFILIATE LINK => BUYS PRODUCT => YOU GET $$ COMMISSION

At the core, that is where affiliate marketing is. Obviously there is a bit more to it than this, like, how do you find and attract consumers, but the process of making money as an affiliate is not any more complicated than this.

That is what you learn here at Powerful Affiliate. When you understand the proper processes of choosing a niche, building out your website and becoming an authority within any niche of your choice – you will truly be able to capitalise on this business model which will remain largely unchanged for many years to come.

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How to start an online business…

7 Things You Need to Know About Affiliate Marketing in 2018

There are many things that you should be aware of prior to heading into affiliate marketing. In fact, I have 7 things that I want you to know before you enter into the affiliate marketing world.

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An Internet Millionaire’s Secret Formula…click on Image

# 1. Affiliate Marketing is Growing at the Fastest Pace ever.

It is estimated that the affiliate marketing industry will be worth $5.97 billion by 2019.

# 2. All Major Online Brands Are Built on Affiliate Marketing.

Amazon, Apple, HP, Best Buy, Etsy… you name it. Without affiliate programs, and affiliates, these companies would have WAY less market share online. The likes of Amazon, built their empire on affiliates, it is rare these days – when doing research on a product or service – that you don’t come across an Amazon affiliate site.

# 3. There Has Never been this Many Affiliate Programs.

Every year, there are more and more affiliate programs as companies see the opportunity to carve out such a vast marketing team online. There are 20-30 huge affiliate networks alone, with 10,000’s of affiliate programs not to mention all of the 10,000’s of independent affiliate programs.

# 4.There Are Over 500 Million Products You Can Promote as An Affiliate.

Yes, you read that correctly. There are over 500 MILLION products that you can promote online! This subset of products only continues to grow, not to mention the 100,000’s of online and offline services that also have affiliate programs.

If you are not an existing Affiliate Marketer, you should read the Powerful Affiliate pages “The Wealthy Affiliate University Review” and “Why Become an Affiliate Marketer” – these will help you decide if it’s for you, well worth reading now or after you finish here.

# 5. People Are Moving Their Spending Online at a Faster Pace Than Ever.

I personally spend most of my money online now, shifting away from offline businesses. I know it can be considered bad not to support local, but I personally would rather support online (being an Internet entrepreneur) in particular when the prices are better, the selection is unparalleled, and when I know affiliates and fellow Internet entrepreneurs are benefiting from it. This trend is ONLY going to continue.

# 6. Almost Every Sale Online Has An Affiliate Behind It.

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Everything you will ever need…

That is correct, almost every purchase that you make online has in some form or another an affiliate behind it and earning a commission. Whether you are doing your Christmas shopping on Amazon or you are buying a service to help you build a business, there is almost certainly an affiliate reaping the rewards of a commission. Isn’t that just brilliant?

# 7. Affiliate Marketing Will Never Die.

Back around 2002, there was an underlying fear that affiliate marketing was a temporary thing. Logically it didn’t make sense that such an incredible business model would die so, as time went by, major marketing teams for some of the biggest product launches ever, started piggy backing on the idea of affiliate marketing.

So, affiliate marketing is here to stay. It has grown every single year since 2002, creating the greatest opportunity of our lifetime. As offline jobs are being reduced because people are not shopping as much offline, affiliate marketing continues to grow with online sales.

Shipping is getting much faster and more reliable, so people are happy to spend more and more of their spending budgets online.

Why Companies Cannot Live Without Affiliate Marketing

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Marketing Affiliate – FREE Starter Membership

Companies like Amazon have grown and exploded their sales online because of their focus on their affiliate program at the core of their marketing.

Instead of spending BILLIONS on marketing their products/services (by the way, they have over 488,000,000 products on their network now), they leverage millions of affiliate marketers through their affiliate program, Amazon Associates.

Just think of it this way, if you were an Online Business, would you rather hire an advertising executive and a 3-4 person marketing team full time (which would carry costs of say $300,000 per year) or would you rather have potentially 100,000’s of marketers working for you on a performance basis where you only have to pay them based on the actual tangible sales?

A marketing executive cannot guarantee results. In fact, most don’t achieve the expected results, they are incredibly expensive and then encourage a company to spend outrageous amounts of money on advertising. An affiliate marketer will not get paid if sales don’t happen, so there is ZERO risk to a company to take on new affiliates.

The model is so brilliant that EVERY major corporation now understands this. Plain and simple, Affiliate Marketing drives Internet Sales……..

So, that’s it for now.

Go HERE to get more information and HERE to get started as a marketing affiliate.


I would love to get your thoughts on this post, so please leave a comment in the box below.

Thanks for visiting, do call again for more updates.

Cheers,

Michael.

 

How Secure Is My Job

We Are All Insecure Workers!

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Is my job secure?

So, why be an employee?

What are the disadvantages of being an employee?

How secure is my job?

How often has a business owner heard this; “I could never do what you do. I need the security of a regular paycheck.”

Many people who started their own business, people who took the leap and left the perceived security of a corporate job, have lost track of the number of times they heard those words.

There is no doubt that owning and running your own business is hard work, many would say they never worked so hard in their previous careers.

They would also say that corporate employment was, by comparison, easy. However, having your own business is very fulfilling personally and the rewards can be plentiful and entirely within your own control and influence. Most would say they can’t imagine returning to the insecurity of a corporate role!

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An Internet Millionaire’s Secret Formula…click on Image

Yes, you read that right, the insecurity of a corporate role.

Why do they say that?

Well, because the regular paycheck that employees receive only gives the illusion of security. When you realise that many countries and many states in the USA operate an “at will” employment relationship, you will understand that this “security” is merely an illusion. The reality is, you could arrive at your workplace or  office tomorrow and find yourself without a job for any reason; not a heinous mistake; not a poor performance review; simply because……………..

So, taking all that into account, how would you like to have your very own business as an online affiliate marketer at very little or even zero cost? Well you can and even if you are only vaguely interested, you should read the Powerful Affiliate pages “What is an Affiliate Marketing Business” and “Why Become an Affiliate Marketer” – these will help you decide if it’s for you, well worth reading now or after you finish here.

All Employees Are Insecure Workers

The reality is, all employees are insecure workers in the 21st Century workplace.

It’s reported that more than 40% of the workforce will become independent workers by 2020 and it’s apparent that legislation will need to move quickly in order to keep up.

In his book “The Alliance”, Reid Hoffman (Co-founder of LinkedIn), shares his vision for the future of work. He states that the days of the career for life are gone, instead it’s the concept of “tours of duty” where the nature of work is becoming more fluid and where individuals with specific skills are hired to complete a specific project.

 Work Has Come a Full Circle

how-secure-is-my-job
Marketing Affiliate – Click for FREE Starter Membership

In many ways the term freelance workforce is old news. If you looked back say two-hundred years ago, before the industrial revolution that brought about the modern workplace, you would find a freelance economy where work was a 24×7 endeavour.

In fact, the very word “freelance” is from medieval times when knights, who had not pledged loyalty to one family, were available to fight, whether in tournaments or in battle, for those willing to pay for their service—the ultimate Free-Lancers.

Prior to the Industrial Revolution people worked for themselves or in small family groups, and usually out of their home or close neighbourhood. The proverbial butcher, baker and candlestick maker were the industries of their day. People’s relationship with work was flexible and part of their lifestyle.

The Industrial revolution brought about automation which centralised production, brought the individual workers out of their weaving lofts and into the factories, and brought the farm workers to the growing towns to seek a different type of employment – employment as hired hands working in the factories.

Now We’re all 21st Century Freelancers

Those times, during the industrial revolution, were not all idyllic and painless by any means. There were riots, there was resistance and there were even organised protests.

“Luddites” were bands of English workers who destroyed machinery, especially in cotton and woollen mills, which they believed was threatening their jobs in the period 1811–1816. These were real people, textile workers, who saw the newfangled factories and massive looms as a threat to their existence and their way of life.

The Luddite of today may not be smashing equipment with hammers or throwing clogs into the machinery, but their concerns are very real.

Warnings of driver-less cars, robot developments and advances in artificial intelligence, all combine to fuel a new fear – a fear of the unknown impact on how we interact as human beings.

The rapid acceleration of new technologies is having a direct effect on how and where work is done, and that effect will far surpass the impact of the Industrial Revolution.

We’re now in the midst of the digital revolution, one that requires not just hired hands, but the hired minds and hired hearts that fuel creativity and innovation.

So, What Are The Options?

powerful-affiliate
Everything you will need…

Fiverr.com, Upwork.com and TaskRabbit.com are internet platforms that connect a global army of freelancers with opportunities that match their skills. Tapping into the flexible economy will allow companies to scale up and down rapidly in response to their market and project needs.

If we so wish, this flexible economy also allows each of us to earn some extra money with part time, in the moment work, that supplements our “normal income”.

Also, or alternatively, you can use your creative passions to start your own business – full time or part time, build your very own website and “open your doors” to the 3.5 billion active potential customers on the internet.

Likewise, this flexible economy can also be the launching point for many start-up service businesses, easing the transition for the founder from employee to business owner.

Make Sure You Pack Your Waterwings!

The 21st century workplace makes it much harder if you intend being a big fish in a small pond. No longer are individual employees competing in a local market for the next opportunity, instead they  are all swimming in a Global Talent Pool.

When it comes to finding new sources of talent it seems that 21st Century companies are destined to play a never-ending game of global whack-a-mole. As fast as a new talent hot spot pops up, whether it’s a city or a country, other companies quickly follow—draining the pond and market of talent. Everyone then rushes off to anticipate and capture the next talent hot spot.

Transparency and opportunity on the Internet means we are now competing with an unseen colleague who may be thousands of miles and many time zones away.

how-secure-is-my-job
Is my job secure?

When you’re sleeping, they’re working.

Work is no longer the mythical 9-5 office-bound activity.

In today’s world, work can happen anytime, anyplace and with anyone. The lines between work-time and personal-time are blurred. It’s no longer a question of work-life balance and trying to fit everything else around a standard workday. Instead, the evolving expectation is that work and life are a braided system – blended, overlapping, and seamless.

The future of work will centre on the fluid workforce, the gig economy and the freelancer.

As such we all need to embrace the insecure workplace and change our mindset from “I’m an employee” to “I’m a freelancer who is currently retained by this company.”

how-to-make-money-online-working-at-home
Learn How Here….click on Image.

So, What About Your Situation?

Could you be a Freelancer?

Have You Got A Passion?

A hobby or interest that you are passionate about?

If the answer is yes, then I can tell you  with certainty, that passion – no matter what it is – can be turned into an online business that generates an income.

So, now ask yourself, how secure is my job?

how-secure-is-my-job
An Internet Millionaire’s Secret Formula…click on Image

I can tell you, it is possible to move out of an “employee” situation or an “unemployment” situation into a “business of your own” situation.

That new business can be set up very easily, it can start with you working on it in your spare time and can then be gradually expanded to become a full time business.

Have a good look at the other pages and posts on this Powerful Affiliate website, start with “The Wealthy Affiliate University Review” and “Why Become an Affiliate Marketer” – as I said before, these will help you decide if it’s for you. Then move on to How To Start An Online Business That Makes Money where you will also find links to the current most popular articles.

So there you have it for now.


I would love to know what you think, so please leave a comment in the box below or, if you prefer, contact me.

Thank you for visiting, make sure you drop by again.

Cheers,

Michael

The Top 10 Small Business Mistakes

All Of Us Make Mistakes!

the-top-10-small-business-mistakes
Where did I go wrong?

We all make mistakes but the people who thrive from their mistakes are the successful ones. They are the ones that “Never go back.”

Now, what does that mean?

Let’s see, ask yourself a few questions:

What do you think are the top 10 small business mistakes?

Have you ever made a bad business decision?

Did you learn a valuable lesson from that bad business decision?

I bet you did and the good thing is, once you learned that lesson, you will never go back and you will never do it again.

So you then ask yourself, what are the key “lessons” or “awakenings” or “doorways” that successful people go through that forever change how they do things, which propel them on to succeed in business, relationships and in their life?

the-top-10-small-business-mistakes
An Internet Millionaire’s Secret Formula…click on Image

Dr. Cloud, who is an acclaimed leadership expert, psychologist and best-selling author, began to study such awakenings and researched them over a number of years.

Although life and business have many lessons to teach us, Dr. Cloud observed 10 “doorways” of learning that high performers go through, never to return again.

Would You Like To Know Those 10 “Doorways”?

OK, here we go…..

Successful people never again…

# 1 – Return to what hasn’t worked.

Whether it’s a job or a broken relationship that was ended for a good reason, we should never go back to the same thing, expecting different results, without something being different.

# 2 – Do anything that requires them to be someone they are not.

In everything we do, we have to ask ourselves, “Why am I doing this? Am I suited for it? Does it fit me? Is it sustainable?” If the answer is no to any of these questions, you better have a very good reason to proceed.

# 3 – Try to change another person.

When you realise that you cannot force someone into doing

the-top-10-small-business-mistakes
Marketing Affiliate – Click for FREE Starter Membership

something, you give him or her freedom and allow them to experience the consequences. In doing so, you find your own freedom as well.

# 4 – Believe they can please everyone.

Once you discover that it truly is impossible to please everyone, you begin to live purposefully – trying to please the right people.

# 5 – Choose short-term comfort over long-term benefit.

Once successful people know they want something that requires a painful, time-limited step, they do not mind taking that painful step because it gets them to a long-term benefit. Living out this principle is one of the most important differences between successful and unsuccessful people, both personally and professionally.

# 6 – Trust someone or something that appears flawless.

Naturally, we are drawn to things and people that appear “incredible.” We love excellence and should always be looking for it. We should pursue people who are great at what they do, employees who are high performers, dates with exceptional people, friends who have stellar character, and companies that excel.

But when someone or something looks too good to be true, he, she, or it is. The world is imperfect. Period. No one and no thing is without flaw, and if they appear that way, hit pause.

# 7 – Take their eyes off the big picture.

We function better emotionally and perform better in our lives when we can see the big picture. For successful people, no one event is ever the whole story. Winners remember that—each and every day.

# 8 – Neglect to do due diligence.

No matter how good something looks on the outside, it is only by taking a deeper, diligent, and honest look that we will find out what we truly need to know: the reality that we owe ourselves in order to make a decision to proceed or not to proceed.

# 9 – Fail to ask why they are where they find themselves.

One of the biggest differences between successful people and others is that in love and in life, in relationships and in business, successful people always ask themselves – what part am I playing in this situation? Said another way, they do not see themselves only as victims, even when they are.

# 10 – Forget that their inner life determines their outer success.

The good life sometimes has little to do with outside circumstances. We are happy and fulfilled mostly by who we are on the inside. Research validates that. And our internal lives largely contribute to producing many of our external circumstances.

powerful-affiliate
How to start an online business…

And, The Converse Is True:

People who are still trying to find success in various areas of life can almost always point to one or more of these “doorways” as a reason they are repeating the same mistakes.

Again, Everyone Makes Mistakes…

Everyone, without exception, will make mistakes – even the most successful people out there. But, what achievers do better than others is recognising the patterns that are causing those mistakes and then never repeating them again.

In short, they learn from pain—their own pain and the pain of others.

Something To Remember!

A good thing to remember is this: pain is unavoidable.

But, repeating the same pain twice when we could choose to learn and do something different, then pain is certainly avoidable.

You know, we don’t need new ways to fail….the old ones are working just fine!”

Our task, in business and in life, is to observe what they are, and never go back to doing them again.

For existing businesses and those of you who are thinking of starting your own business – the top 10 small business mistakes, “lessons”, “awakenings” or “doorways” – whatever term you prefer to use, will be of huge benefit.


the-top-10-small-business-mistakes
Become a Marketing Affiliate – Click for FREE Starter Membership

Something else that will be of huge benefit is my #1 recommendation for anyone thinking of entering the online business world.

Also beneficial, when you are ready, check out the other pages and posts on this Powerful Affiliate website, start with How To Start An Online Business That Makes Money where you will also find links to the current most popular articles.

I can assure you, that will be time well spent.

So, that’s it for now, I am going to leave you to it.


Thanks for visiting and do call back for regular updates.

the-top-10-small-business-mistakes
An Internet Millionaire’s Secret Formula…click on Image

Any comments or suggestions are very welcome – see comment box below or you can contact me directly.

Cheers for now.

Michael.

Why Businesses Fail To Succeed

Many Businesses Will Fail!

why-businesses-fail-to-succeed
Insolvent Business

It’s a sad fact of life that many businesses are doomed to failure and a business is most vulnerable at the startup and early stages.

If you stop to think about it, this is quite surprising.

After all, a person who decides to start a business is usually experienced, bright, confident and happy to devote their valuable time to their business. So you would indeed wonder why businesses fail to succeed.

powerful-affiliate
How to start an online business…

Even though they will have learned that the startup mortality rate in any business is very high, they are still happy to challenge the existing players in the market because they feel they can do as good a job or do an even better job than those existing players they intend competing with.

They will be well-informed, they will have some experience and expertise in that business area and they will be prepared to devote their time and energy into developing their business.

Unfortunately, not every business person is capable of tacking the multiple challenges involved when starting their own business. Although, the very fact that they have kick started their business from scratch, shows they have abilities which most of their colleagues lack – which is no mean feat in itself.

So, why do they fumble?

why-businesses-fail-to-succeed
An Internet Millionaire’s Secret Formula…Click on Image

While failed businessmen are happy to trot out the same old excuses, I feel it’s usually not because of these particular three reasons:

  • external market circumstances
  • because they were technically incompetent
  • because they ran out of money

I think, in truth it’s usually an ego problem………………………………….which means their immaturity comes in the way of their success.

Many entrepreneurs think of themselves as being supermen or superwomen.

They believe they should be able to handle everything themselves and when problems arise, and you and I know there will always be problems, often they are not willing to ask for advice or help until it’s far too late.

And that, my friend, is a fatal error.

An error that can put a business out of business overnight.

Yes, I know what you are thinking and you are right in thinking the way you do – this should be such an easy problem to solve………. all you would have to do is point out the deficiencies and him or her would then be able to fix them.

But, of course, it’s very hard for a person to identify and accept their own faults. The very fact that they’re emotionally immature may mean they don’t have enough self-awareness or don’t even realise what skills they are missing.

They may refuse to confront reality until it’s too late. Then they go around scrambling trying to turn things around, frustration sets in, morale goes through the floor and the entire house of cards comes tumbling down…………which is so sad.

Emotional maturity is a highly desirable trait for anybody going into business.While this is not easy to gauge, I think someone who is experienced and who has seen some of life’s ups and downs will, most likely, be emotionally resilient and willing to reach out for help when things go wrong with the business and will not think it’s below their dignity to ask for that help.

powerful-affiliate
Everything you will ever need…

I think it is also very sad, especially when I know there is an exceptional amount of professional training, help and support available at little or no cost. All of which, I believe, should be undertaken as part of any new business startup process and thereby avoid many of the preventable problems that arise.

Let me give you an example, an aspiring businessman or marketing affiliate can sign up as a Starter Member with a company called Wealthy Affiliate and it will cost them nothing……….yes it will cost nothing.

Wealthy Affiliate provides exceptional professional business training and support that is way better than anything else that’s available out there.

They provide  this at two levels – Starter Member Level and Premium Member Level……………….see image below:

why-businesses-fail-to-succeed
Starter and Premium membership options

The aspiring businessman or marketing affiliate can take advantage of the free Starter Membership to see for themselves the exceptional levels of training and support that are available and, if they wish, go Premium when they are happy and ready.

It would be a huge tragedy if they did not avail of this option, especially if it’s their immaturity that is causing them to shoot themselves in their very own foot.

Believe me, and I would not mislead you or anybody else on a matter this serious, all the help and support that will ever be needed is available directly when they become a member at Wealthy Affiliate.

So, take my word for it and sign up as a Starter Member HERE – it’s free, so you have nothing to lose.

Otherwise, if you are not quite ready yet, here at Powerful affiliate you will find a huge amount of information that will help you decide.

Check out how to start an online business that makes money where you will also find links to the current most popular articles.

And, don’t forget to get “An Internet Millionaire’s Secret Formula“…

Take your time, make sure you have a really good look around my website and contact me if you want any help or clarification.

Well, that’s it for today.


Thank you for visiting.

Don’t forget to leave a comment below, I do love getting feedback!

Cheers for now.

Michael.

 

 

Marketing Affiliate Advice

Helpful Marketing Affiliate Advice Is Always Goodmarketing-affiliate-advice

After reading my pages on “The Wealthy Affiliate University Review” and  “why become an affiliate marketer” you will have a good grasp of what is involved and the benefits of affiliate marketing.

However, if you think you will get rich over night by selling affiliate products online then you are wrong.

I am not here to mislead you and I will never promote a get rich quick scheme or similar as I know they just don’t work. There are thousands of those and scams out there who will promise success overnight or within a few weeks and they will take your money without hesitation…..do not go there, run in the opposite direction.

marketing-affiliate-advice
An Internet Millionaire’s Secret Formula…click on Image

Truthfully, affiliate marketing is definitely an excellent way to make money online but it’s also highly competitive. Successful affiliate marketing comes from knowing your market needs, learning how to promote your products, finding out what works and what doesn’t work and adjusting your promotion strategy accordingly.

So, as we all love a helping hand, for you, I have a some marketing affiliate advice on what I would call a proven successful approach and which is based on the personal experience I and others have gained over time in this business.

So, here we go!

# 1 Only Choose a Small Number of Good Products

The first mistake a lot of affiliate marketers make is that they register with too many different affiliate programs and try to promote everything and anything. Pursuing affiliate marketing in this way can become very overwhelming and will result in product promotion being poor across the range of products.

In order to succeed, all you need is a small number of good products to promote. Try to understand the market needs and look for products that fit comfortably with the purpose and content of your website.

# 2 Use Several Traffic Sources to Promote Products

marketing-affiliate-advice
Social Media

A lot of affiliate marketers just put the promotional ads up on their website. There is nothing wrong with this approach and it must be done but there are many other ways to promote your products and attract visitors to your website…….like Facebook, Twitter etc; which will increase your exposure and presence on the internet while simultaneously promoting your products and increasing sales.

The more targeted traffic you can send to your sales page the better your chances of making money.

Google AdWords can be used to drive targeted traffic to a sales page. You simply make an ad in your AdWords account then use your affiliate link in the target page URL of the ad. Obviously, you will have to continuously measure the conversions and see if the campaign cost is less than the campaign profit in order to keep the campaign running but I am sure you get the idea.

# 3 Test, Measure and Track Your Affiliate Campaign

Using different product promotion strategies is highly recommended, so you can figure out what is working and what is not. Try to test and measure the performance of each campaign then act on the findings and adjust your campaign accordingly.

Changing a few things here and there can increase your profit dramatically. Make sure to place the banner ads on different areas of your site’s pages. Some positions will make the ads more noticeable than others.

Most affiliate programs will give you basic stats that you need but there is nothing stopping you from also using your own conversion tracking software. There are many options available out there, for conversion tracking software, that you can use to track your affiliate campaign.

# 4 Research the Demand for the Product

the-wealthy-affiliate-university-review
Do your research…

If you try to promote a product that is in low demand then, chances are, you are not going to get many sales no matter what your strategy is or how hard you try.

So it is a good idea to spend a bit of time researching and finding out if a product that you are thinking of promoting is a product that your audience needs.

If your website is getting decent traffic numbers, you could conduct an online survey and easily get input from your visitors.

# 5 Stay Current with New Methods and Techniques

Affiliate marketing is a very competitive field and people are always coming up with new techniques. Try to stay current with these new techniques and market trends otherwise you will fall behind your competition.

# 6 Choose the Right Merchant

When you promote a product you also promote the person or the company who is behind that product, so try to choose wisely.

You don’t want your visitors to go and buy a product following your advice and then come back unhappy. Do you think that this visitor will come back to your site and take your advice again? Most likely not and this can hurt your business credibility in the long run.

Usually, companies that offer good products backed up with good customer service will have better customer satisfaction, so try to stick with promoting products from those companies.

# 7 Use Helpful Tools

powerful-affiliate
Everything you will ever need…

If you are serious about affiliate marketing then try to find tools that will help you be more efficient. There are many helpful tools out there but you can make your life  lot easier by joining the one affiliate company that I recommend.

This company provides everything you will ever need in the form of websites, training, support and, perhaps most important, a fantastic sense of “community” among its members.

You can try it as a Starter Member and build a website from scratch for free.

Yes, you heard me correct, for free and you will get two free websites with training and support.

So you have nothing to lose, right.

This company will not suggest there is a quick and easy way to earn an income online as a marketing affiliate or that you just hope and pray that visitors will buy the products you are promoting!

What they will do, is put you in control of your destiny with all the training and support that you will need for success as a marketing affiliate.

You will be shown how to put a structured plan in place and how to operate as a marketing affiliate BUSINESS – now that is the way to succeed and that is the way to generate a long term sustainable income from your efforts as a marketing affiliate.

These seven pieces of marketing affiliate advice will serve you well and, as you travel down this path to affiliate marketing, you will get more advice and guidelines to help you on your way, so do not be afraid – sign up now as a starter member for free…….that includes two free websites – so nothing to lose, right.


If you are not quite ready to avail of this opportunity right now, you can check out the other pages and posts on Powerful Affiliate starting with how to start an online business that makes money – here you will find links to the current most popular and most important articles.

Ok, that’s it from me for today.

marketing-affiliate-advice
An Internet Millionaire’s Secret Formula…click on Image

I do hope you found this helpful…..you can also check out a recommended book “An Internet Millionaire’s Secret Formula” by clicking on the image.

Please leave a comment or suggestion in the box below as I love getting feedback.

Cheers for now,

Michael

Best Internet Security Antivirus Software

Internet Security Is Critical

Heimdal PRO has the answer.

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Heimdal PRO

Great deals available HERE

Heimdal Pro protects you from cyber-criminal actions by employing an advanced web scanning engine to keep you safe from notorious data and financial stealing malware, such as Zeus Gameover (P2P) and CryptoLocker. That is one reason why Heimdal is renowned for having the best internet security anti-virus software.

Persistent, Multi-layered Protection

Heimdal PRO will actively protect you against the most advanced forms of malware around the clock. The intelligence behind it enables Heimdal to filter out threats before they reach your system. It will catch what your antivirus can’t block and it will keep you up to date on how it’s constantly closing vulnerabilities in your system. And if you’re travelling with your computer, your protection will travel with you.

powerful-affiliate
How to start an online business…

Hassle-free & No Slowdowns

Cyber security is a need-to-have, but sometimes you just don’t have the time for it. We understand. That’s why we made Heimdal PRO so easy to use that you’ll forget it’s installed. It’s light on your system too! You can automate software updates and an essential part of your protection, which is blocking advanced malware. And you can even set up your own proxy as an additional layer of protection.

See where a man just got indefinite jail time for refusing to decrypt two hard drives.

Also, before we go on further, have a look at this Video:

Layer 1 – Advanced Web Scanning Engine

Cryptoware Detection & Blocking

Cryptoware or ransomware is currently one of the most dangerous cyber threats on the web. This type of malware will encrypt the data on your drive and ask for ransom to unlock it. Heimdal PRO will spot and block cryptoware strains like Cryptolocker or TorrentLocker before they encrypt your data.

Malicious Look Up Blocker

Heimdal PRO looks for infected pop-ups, toolbars and other forms malware on each website you visit. If it finds them, it blocks the website. As simple as that. This keeps your system safe from adware, spyware and browser hijackers, which are frequent threats.

Anti-phishing Protection

Phishing attacks are a common method cyber criminals use to harvest your sensitive data. Heimdal PRO keeps your data safe because it checks every website you visit. If it spots a phishing attempt, it will block the website before it can lure you into its trap. This also works if you unknowingly click a malicious link in an email.

Shield Against Website Malware Distribution

online-security
Online Security

Even legitimate websites can spread malware (unknowingly, of course). Attackers often infiltrate these websites by infecting banners or by script injections. Heimdal PRO identifies these threats and blocks them before they compromise your system. Sometimes, Heimdal will only block the infected banner or web page, so you can still access the rest of the website.

Internet Traffic Filtering

Cyber criminals are very good at disguising their infected websites so visitors can’t tell they are rogue. But they can’t fool us! Heimdal PRO checks every web destination you visit to see if it’s safe. If it’s unsafe, it will display a block page, to keep you safe.

Pervasive Protection

Heimdal PRO ensures that you are protected everywhere you take your computer with you. It’s the perfect supplement for your antivirus solution, which offers reactive protection. Heimdal PRO works proactively and constantly to make sure your system and data are safe.

Personal Dashboard

You get full control over your Heimdal PRO settings in your personal dashboard. This is also where you can find detailed statistics and an overview of the vulnerabilities in your system. Easy, user friendly and effective.

Layer 2 – Traffic-Based Malware Detection

Zero Day Malware Protection

Zero Day vulnerabilities are security holes that appear in an application that the app maker is not aware of. Cyber criminals rush to exploit it before an update is released. Heimdal PRO protects you from these type of attacks based on deep knowledge of cyber criminal infrastructure. Heimdal protects you from Zero Days by blocking the communication between your system and the infected web pages, servers or other malicious online locations.

PC Lockdown

Some cyber attacks are especially powerful. If a cyber criminal or malicious software tries to compromise Heimdal, communication between your system and infected servers will be blocked immediately. This prevents data leakage and the infection from escalating.

Extensive and Specialised Malware Database

Heimdal PRO relies on a specialised malware database which harbours information about malicious infrastructure. Because of this Heimdal PRO can shield you from financial malware threats which are often very sophisticated. Extensive knowledge about 2nd generation malware, such as, CryptoLocker, Dridex or other advanced variants, is also included for your protection.

Security Against Advanced Exploit Kits

Exploit kits are malicious toolkits that attackers use to take advantage of vulnerabilities in your system. These exploit kits help spread malware and often go undetected by traditional antivirus products. Some don’t even drop files on your system, so they’re very difficult to spot. But Heimdal PRO can catch and block them because it knows where the attacks come from.

Online Banking Security

Financial transactions are the main target cyber criminals aim to compromise. That’s why Heimdal PRO checks your Internet traffic in real time to identify such threats. If it does, Heimdal immediately blocks financial malware from sending sensitive data, such as passwords or credit card details, to malicious servers or websites.

Active Protection Against Data Leakage

Some types of malware will try to harvest confidential data, such as credit card information and passwords, to use them against you. Heimdal PRO identifies these data leakage attempts and blocks the transfer. This way, your sensitive data never leaves your system and remains safe and sound.

Layer 3 – Automatic Software Updates

Automatic

Forget about all those update pop ups on your computer! Let Heimdal PRO take care of keeping your software up to date automatically. It will install updates as soon as they’re available, so you’re never exposed to cyber attacks that target your apps.

Free Support

Looking for help? Just go to our support page and find product guides and answers to the most frequent questions asked. Also, our team is just one email away. Easy and effective!

Silent Vulnerability Blocking

Cyber criminals exploit security holes in outdated software in 85% of attacks. Heimdal PRO will install updates in the background and will never interrupt your work. That means that you can enjoy enhanced protection without lifting a finger.

Fast

Attackers move quickly when a vulnerability appears, so they can hit before a solution is applied. But Heimdal PRO moves even faster. It scans your system for outdated software every two hours and delivers the update as soon as it’s available.

Patched Software

Here is the list of vulnerable applications Heimdal PRO monitors and updates for you:

  • Adobe Shockwave
  • Adobe Acrobat Reader
  • Adobe Flash Plugin
  • Adobe Air
  • Chrome
  • Firefox
  • VLC
  • Microsoft Silverlight
  • QuickTime
  • Skype
  • Thunderbird
  • and 15+ others

If you have an online business or if you are just concerned about internet security, Heimdal Security Pro is the best option for you.

I use it myself and have had no problems whatsoever.

So, you can get it Here now.


Wealthy Affiliate

powerful-affiliate
Wealthy Affiliate

Are you already a member of the Wealthy Affiliate community?

If not, you can now check out the other pages and posts on Powerful Affiliate starting with how to start an online business that makes money – here you will find links to the current most popular and most important articles.

Or, right now, You can join as a starter member for free…….including two free websites – so nothing to lose, right.


That’s all for today.

Thanks for visiting.

I hope you found this helpful.

If you have any comment or suggestion, please leave it in the box below.

Take care and be careful.

Cheers,

Michael.

Best Ransomware Protection

Ransomware Attacks

best-ransomware-protection
Online Hacker

Online security seems such an abstract and distant field, where other people get hurt, but somehow you stay safe, either by luck or internet savvy.

However, the truth is, it could happen to anyone and it might even have happened to you in the past.

They say that nothing beats learning from experience, but sometimes it’s best to learn from other people’s experience rather than your own and this is one of those opportunities.

See where a man just got an indefinite jail time for refusing to decrypt two hard drives.

Now, lets have a look at this video:

Here is the first in a series of stories about real people whose system was compromised by cyber criminals and what they learned about the best ransomware protection.

 

best-ransomware-protection
Infected Computer

#1. The mom whose laptop was locked down by a ransomware attack

Two days before Thanksgiving, Alina’s mother got hit by a ransomware attack. 5,726 files got locked by CryptoWall, an encryption malware so powerful it is technologically impossible to break open.

Alina’s mom contacted the attacker through the ransomware’s communication feature and told her she can either pay to get her files back or lose them forever. Despite backing up her files 6 months ago, she decided that losing half a year’s worth of photos, documents and other files was too much, and so decided to pay the ransom.

The price to unlock her files was 500$ in the first week and 1000$ if it went into the second week, after which the files would be deleted. Payment was being done in Bitcoin, an obscure and unfamiliar process which she had to learn on the fly.

Because of a major snowstorm that closed down the banks, Alina’s mom couldn’t pay the ransom in the first week and ended up having to plead with her attacker to not increase the price to 1,000$. Surprisingly, he accepted and gave her the key to unlock her files.

MY mother received the ransom note on the Tuesday before Thanksgiving. It popped up on her computer screen soon after she’d discovered that all of her files had been locked.

Ransom Note

Your files are encrypted,” it announced. “To get the key to decrypt files you have to pay 500 USD.” If my mother failed to pay within a week, the price would go up to $1,000. After that, her decryption key would be destroyed and any chance of accessing the 5,726 files on her PC — all of her data — would be lost forever.Sincerely, CryptoWall.

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CryptoWall 2.0

CryptoWall 2.0 is the latest immunoresistant strain of a larger body of viruses known as ransomware. The virus is thought to infiltrate your computer when you click on a legitimate-looking attachment or through existing malware lurking on your hard drive and, once unleashed, it instantly encrypts all your files, barring access to a single photo or tax receipt.

Everyone has the same questions when they first hear about CryptoWall:

Is there any other way to get rid of it besides paying the ransom? The answer is No — apparently it is technologically impossible for anyone to decrypt your files once CryptoWall 2.0 has locked them. (My mother had several I.T. professionals try.)

Should We Pay A Ransom To Criminals?

But should you really be handing money over to a bunch of criminals? According to the Internet Crime Complaint Centre, a partnership between the F.B.I. and the National White Collar Crime Centre, this answer is also no.

“Ransomware messages are an attempt to extort money,” one public service announcement helpfully explains. “If you have received a ransomware message do not follow payment instructions and file a complaint.”

Right. But that won’t get you your files back. Which is why the Sheriff’s Office of Dickson County, Tenn., recently paid a CryptoWall ransom to unlock 72,000 autopsy reports, witness statements, crime scene photographs and other documents.

Can These Attacks Be Stopped Legally?

Finally, can law enforcement at least do something to stop these attacks in the future? By Law, probably not. Many ransom ware viruses originate in Russia and other former Soviet bloc countries. The main difficulty in stopping cyber criminals isn’t finding them, but getting foreign governments to cooperate and extradite them.

By the time my mom called to ask for my help, it was already Day 6 and the clock was ticking. (Literally — the virus comes with a countdown clock, ratcheting up the pressure to pay.) My father had already spent all week trying to convince her that losing six months of files wasn’t the end of the world (she had last backed up her computer in May). It was pointless to argue with her. She had thought through all of her options; she wanted to pay.

Only, paying turned out not so easy; the CryptoWall hackers take only Bitcoins.

Making The Ransom Payment

Picture the kind of early-adopting, hoodie-wearing member of the technocracy totally comfy with the idea of a cyber currency neither backed nor issued by any central bank or government. Now picture the opposite of that. That is my mom.

Having never so much as purchased an app in her life, my mom had no idea how to buy Bitcoins. Luckily,  her ransomers had anticipated this problem and included a link to a step-by-step guide, complete with pictures.

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Credit Javier Jaén
She’d managed to make a cash deposit via Bank of America to the unique Bitcoin “wallet” provided by her ransomers, but since Bitcoin’s price is extremely volatile, her payment had already fallen $25 short by the time it arrived. (Credit and debit payments can take up to six days to process.)

The fastest way to send the extra $25 was to make a direct deposit at an A.T.M. that handled Bitcoin transactions. That’s where I came in. Coin Cafe, the Bitcoin provider my mother had chosen, had an A.T.M. in Greenpoint, Brooklyn, not too far from where I lived.

The Bitcoin A.T.M. was not easy to find. It was housed in the second floor hallway of a cooperative work space, tucked inside an old Nynex phone booth. On one hand, I appreciated the winking irony of this sight gag. On the other hand, Fidelity Investments this was not.

Inside was a little white box with no buttons, just a screen, a camera eye and a money slot. I scanned in the QR code my mom had sent me. The machine whirred to life. “Balance query in progress,” it announced. This query remained in progress for the next 20 minutes during which I left three messages on Coin Cafe’s voice mail before abandoning the booth to get some coffee and walk around in the rain.

The fourth time I called, a human being answered the phone and told me the problem had been fixed. I hurried back to the A.T.M., scanned in my QR code, sent some Voldemorts $25 in crisp bills and called my mom. The whole experience had not done much to allay my misgivings about Bitcoin; what did allay them was Mike Hoats, the nice bearded man Coin Cafe sent over to fix the A.T.M.

We got to talking after I made my payment, and he told me that, while no one at Coin Cafe believed people should fund criminal activity by paying the ransom, their job was to broker the purchase and sale of Bitcoins, which, like cash, could be used for any purpose. CryptoWall had thrust them into the unwitting role of ransom ware advisers, coping with grandmothers crying on the phone at the thought of losing all their photos or small-business owners whose family income was on the line.

Coin Cafe didn’t like profiting from the victims (according to the company, these transactions are in the low single digits as a percentage of its total business), but they were downright mortified to learn that CryptoWall had anointed them as one of their Bitcoin providers of choice, with praise for their “fast, simple service.” That’s how my mom found out about Coin Cafe — from her ransom note.

This referral is only one of the handy services CryptoWall provides to ensure a more seamless customer experience. Others include the ability to “decrypt one file for free” and a message interface one can use “in case of any problems with payment or having any other questions.” What next, I wondered. Twenty percent off when you refer this malware to a friend? Frequent virus cards? Black Friday ransom specials?

They Don't Have To Pretend They're Not Criminals!

“I think they like the idea they don’t have to pretend they’re not criminals,” Chester Wisniewski, a senior security adviser at the computer security firm Sophos, told me when I reached him in Vancouver by phone. “By using the fact that they’re criminals to scare you, it’s just a lot easier on them.” They don’t have to hire a professional translator to get their English perfect, Mr. Wisniewski explained, or engage in any of the baroque subterfuge required of someone pretending to be a Nigerian gentleman farmer who just needs a little help claiming his inheritance.

In addition to being criminals, these peddlers of ransom ware are clearly business people, skillfully appropriating all the tools of e-commerce. From branding (CryptoWall is a variant of a fearsome earlier virus called CryptoLocker, which was shut down last year) to determining what they can extort (ransom ware hackers have tested the market with prices as low as $100 and as high as $800,000, which the city of Detroit refused to pay in order to have its database decrypted), these operators are, as Mr. Wisniewski put it, part of “a very mature, well-oiled capitalist machine.”

It’s also an incredibly lucrative machine: Some experts estimate that CryptoLocker hackers cleared around $30 million in 100 days in 2013. And more than a million PCs worldwide have been hit with the CryptoWall virus.

Even after reading through numerous descriptions of CryptoWall 2.0 as “the largest and most destructive ransom ware threat on the Internet” and “an enormous danger for computer users,” I still couldn’t help thinking this was mainly a problem for moms who persist in using big, boxy PC computers and small-town police departments. Mr. Wisniewski quickly dismissed that notion. Although CryptoWall has primarily affected Windows computers and Android cellphones so far, there is no technological barrier that prevents the virus from infiltrating Macs like mine. And when it does, Mr. Wisniewski chuckled, I should expect the ransom to be a lot higher.

So What Can We All Do To Protect Ourselves?

Keep our computers backed up on an independent drive or by using a cloud backup service like Carbonite, take those software update and “patch” alerts seriously and, most of all, Beware the Attachment. (Remember: Brand-name businesses like J. Crew or Bank of America will rarely send you an attachment.)

Of course, this advice arrives too late for my mom and, it appeared, her payment had arrived too late as well: By the time I got home from Greenpoint, her CryptoWall ransom had been raised to $1,000.00 and the $500 in Bitcoins she had deposited had vanished. In a panic, she wrote to Mike Hoats asking for advice. What he told her sounded crazy to me - Use the CryptoWall message interface to tell the criminals exactly what happened, be honest, in other words.

So she did. She explained that the virus had struck the same week that a major snowstorm hit Massachusetts and the Thanksgiving holiday shut down the banks. She told them about the unexpected Bitcoin shortfall and about dispatching her daughter to the Coin Cafe A.T.M. at the 11th hour. She swore she had really, really tried not to miss their deadline. Then a weird thing happened - her decryption key arrived.

When I shared the news with Mr. Hoats, he was jubilant. “That is great news, truly!” he wrote. “Whoever these yahoos are, they have some little shred of humanity.”

But Mr. Wisniewski had a more pragmatic take. “From what we can tell, they almost always honour what they say because they want word to get around that they’re trustworthy criminals who’ll give you your files back.”

Welcome to the new ransom ware economy, where hackers have a reputation to consider.

Is There Anything That Can Be Done If I Am Attacked?

What to do you do if your computer gets infected with ransom ware: do you pay up or try to find an alternative solution?

If you’re not ready to give up the fight, we have something that might help.

In the past few weeks, I’ve combed the web for decryption tools and I can tell you that it’s a never-ending process. It’s close to impossible to build up a complete database, because things change on a daily basis.

As new types of ransomware emerge, researchers decrypt some strains and others get new variants. There are tens or hundreds of them. Just like in a cat and mouse game, the chase never stops.

If this graphic would be filled out with the 2016 discoveries covering Q2 and Q3, you’d need a bigger screen to see this.

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Ransomware Discoveries

Source: CERT-RO

Believe it or not, there is a silver lining to ransomware’s popularity: the quality of the malicious code is steadily decreasing. As a result, cyber security specialists can crack the code faster and give victims a change to retrieve their data without further funding attackers.

Unfortunately, low quality ransom ware also endangers the affected data: one error in the code and it can all be erased instead of encrypted - but that’s a story for another time.

Let’s get to the point, because, if you’re reading this, it’s likely that you don’t have too much time on your hands. If you couldn’t avoid a ransomware infection, let’s see if you can help fix it.

As a disclaimer, you should know that the list below is just a starting point. Use it, but do a bit more research as well. Safely decrypting your data can be a nerve-wrecking process, so try to be as thorough as possible.

We’ll do our best to keep this list up to date, but it’ll probably never be definitive. Contributions and suggestions are more than welcome, as we promise to promptly follow up on them and include them in the list.

Some of the decryption tools mentioned below are easy to use, while others require a bit more tech knowledge to break. You can try asking for help on one of these malware removal forums, which feature tons of information and helpful communities.

Without further ado, here it is – the list that will hopefully help you get your data back from the prying hands of cyber criminals.

Ransomware Decryption Tools – an ongoing list

7even-HONE$T decrypting tool
Agent.iih decrypting tool (decrypted by the Rakhni Decryptor)
Al-Namrood decrypting tool
Alpha decrypting tool
Bart decrypting tool
Chimera decrypting tool + alternative 1 + alternative 2
Crypren decrypting tool
DeCrypt Protect decrypting tool
Mircop decrypting tool + alternative

 

As you may have noticed, some of these decryption tools work for multiple ransomware families, while certain strains have more than one solution (although this is rarely the case).

From a practical perspective, some of the decryptors are easy to use, but some require some technical know-how. As much as we’d want this process more simple and easier, it doesn’t always happen.

No matter how much work and time researchers put into reverse engineering cryptoware, the truth is that we’ll never have a solution to all of these infections. It would take an army of cyber security specialists working around the clock to get something like this done.

But being pragmatic doesn’t mean adopting a pessimistic outlook. In fact, if you apply the simple steps we outlined in the the anti-ransomware security plan, you can avoid this kind of attacks and their consequences.

Even if cyber criminals do manage to infect your PC, you can just wipe the system clean and restore your latest backup. No money lost and, most importantly, no important information compromised! So, please, please back up your data. Not tomorrow, not this weekend, not next week. Do it today!

I hope that it will solve some of your ransomware-related problems. Moreover, please think about sharing the simple principles outlined in the the anti-ransomware security plan, with your friends and family. It could spare them the negative experience of being a cyber attack victim.

Check out the current amazing Deals From Heimdal Security to enhance your PC Security above all normal Anti-Virus protection.


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If not, you can now check it out in the other pages and posts on Powerful Affiliate starting with how to start an online business that makes money - here you will find links to the current most popular and most important articles.

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That's it for today.

Thank you for visiting.

As always, I love to get your comments or suggestions so, please use the comment box below or, if you prefer, Contact Me.

Stay safe out  there.

Cheers for now,

Michael.

Advance Fees Scam

Nigerian “419 Scams”

advance-fees-scam
Cyber Criminals

An Advance fees scam occurs when the victim pays money to someone in anticipation of receiving something of greater value—such as a loan, contract, investment, or gift—and then receives little or nothing in return.

The advance fees scam, also commonly known as “Nigerian” scams, have been around in various forms for decades. In fact, they predate the Internet and email. The scams are also called “419 scams” after the appropriate part of the Nigerian criminal code.

Nigerian scammers still use surface mail and faxes as well as email and social media.

General Variety of Advance Fee Scams

The variety of advance fee scams is limited only by the imagination of the con artists who offer them. They may involve the sale of products or services, the offering of investments, lottery winnings, “found money,” or many other “opportunities.”

Clever con artists will offer to find financing arrangements for their clients who pay a “finder’s fee” in advance. They require their clients to sign contracts in which they agree to pay the fee when they are introduced to the financing source.

Victims often learn that they are ineligible for financing only after they have paid the “finder” according to the contract.

Such agreements may be legal unless it can be shown that the “finder” never had the intention or the ability to provide financing for the victims.

How the Scam Works

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Scam

The scam works like this. You receive an unsolicited message that masquerades as some manner of business proposition, request for assistance, notice of a potential inheritance or opportunity to help a charity.

As described in general above, there is a seemingly endless array of cover stories that the scammers use in order to draw potential victims into the con.

In spite of this diversity, virtually all of the scam messages share a common theme. The messages all claim that your help is needed to access a large sum of money, usually many millions of dollars.

The scammers use a variety of stories to explain why they need your help to access the funds.

Examples of Advance Fee Scam Stories

They may claim that the climate or legal issues preclude them from accessing funds in a foreign bank account and request your help to gain such access.

They may claim that your last name is the same as that of the deceased person who owned an account and suggest that you act as the Next of Kin of this person in order to gain access to the account’s funds.

They may claim that a rich businessman, who has a terminal illness, needs your help to distribute his wealth to charity.

They may claim that a soldier stationed overseas has discovered a cache of hidden cash left by a fleeing dictator and needs your help to get the money out of the country.

An alternative type of advance fee scam uses messages claiming that recipients have won a large sum of money in an international lottery. Victims are asked to send advance fees and personal information – supposedly, to allow the processing of prize funds for sending to the winner. In reality, there is no prize.

Typically, advance fee scammers will send many thousands of identical scam messages to email recipients all around the world. It only takes a few recipients to fall for the claims in the messages to make the operation pay off for the criminals.

The Bait

advance-fees-scam
Bait used!

The messages offer to let you keep a significant percentage of the funds in exchange for your assistance. This percentage is the bait that the scammers use to entice potential victims deeper into the scam.

Once a recipient has taken the bait and initiated a dialogue with the scammers, he or she will soon receive requests for “fees” that the scammer claims are necessary for processing costs, tax and legal fees, or bribes to local officials.

The scammers will warn the victim that these advance fees must be paid before the funds can be claimed and secured.

In reality, the supposed funds do not exist. The major purpose of these scam messages is to trick recipients into parting with their money in the form of the advance fees.

Fraudulent requests for fees will usually continue until the victim realises he or she is being conned and stops sending money. In some cases, the scammers gain enough information to access the victim’s bank account directly or steal the victim’s identity.

What to Do With an Advance Fee Scam Message

If you receive one of these scam emails, it is important that you do not respond to it in any way. The scammers are likely to act upon any response from those they see as potential victims.

Although it can be educational and even entertaining to “bait” advance fee scammers, such endeavours should only be attempted under controlled conditions.

advance-fees-scam
Trash

These scammers are unscrupulous and unpredictable criminals. There have been violent attacks, abductions and even murders associated with advance fee Nigerian scams and the criminals that run them should not be trifled with.

The best thing to do with these scam messages is to simply delete them.

What To Do If You Have Submitted Information

If you have supplied banking and credit card details, personal information, and/or copies of identity documents such as your driver’s licence and passport to the scammers, then you could become a victim of identity theft. You must report everything to your nearest Law Enforcement Agency.

What To Do If You Have Already Given Money

Unfortunately, there is probably very little you can do to recover any money you have already sent. The first step is to cease all communication with the scammers and do not, under any circumstances, send them any more money or information.

It is not uncommon for advance fee scam victims to fall into an escalation of commitment trap and continue to send money to the scammers even after they have been told they are being conned.

This is because victims can become desperate and are unwilling to let go of the vain hope that the scheme that they are involved in is legitimate after all and that they will eventually get their promised windfall.

If you have sent money to scammers, you should inform your local law enforcement agency as soon as possible.

Also, take steps to protect your identity by accessing information about identity theft published by the Federal Trade Commission (US), ScamWatch, (Australia) or ActionFraud (UK).

Tips for Avoiding Advanced Fee Scams

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Help Tips
  1. If the offer of an “opportunity” appears too good to be true, then it probably is. Follow common business practice. For example, legitimate business is rarely conducted in cash on a street corner.
  2. Know who you are dealing with. If you have not heard of a person or company that you intend to do business with, learn more about them. Depending on the amount of money that you plan on spending, you may want to visit the business location, consult with your bank, an attorney or the police.
  3. Make sure you fully understand any business agreement that you enter into. If the terms are complex, have them reviewed by a competent attorney.
  4. Be wary of businesses that operate out of post office boxes or mail drops and do not have a street address.
  5. Be suspicious when dealing with persons who do not have a direct telephone line and who are never in when you call, but always return your call later.
  6. Be wary of business deals that require you to sign nondisclosure or non-circumvention agreements that are designed to prevent you from independently verifying the bona fides of the people with whom you intend to do business. Con artists often use non-circumvention agreements to threaten their victims with civil suit if they report their losses to law enforcement.
  7. Although many still originate from Nigeria – hence the generic term “Nigerian scam” – it is certainly not only Nigerian based criminals that send them. In spite of the longevity of this type of scam and the large amount of publicity that it has received, many people around the world are still being conned out of substantial sums of money.

That is a serious problem, so be careful.


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If not, you can find out more by checking the other pages and posts on Powerful Affiliate starting with how to start an online business that makes money – here you will find links to the current most popular and most important articles.

Or, right now, You can join as a starter member for free…….including two free websites – so nothing to lose, right.


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The Laptop Millionaire…click on image

So there you have it for today.

Thank you for visiting.

I love getting feedback, so please leave a comment or suggestion in the box below – or, if you prefer, contact me.

Cheers for now.

Michael.

Identity Theft Protection Tips

What Is Identity Theft?

identity-theft-protection-tips
Identity Theft by credit card!

Identity theft occurs when someone assumes your identity to perform a fraud or other criminal act.

How Can Criminals Get “My Identity”?

Criminals can get the information they need to assume your identity from a variety of sources, including by stealing your wallet, rifling through your trash or by getting your credit or bank information. They may even approach you in person or by telephone or on the Internet and just ask you for the information. That is why I want to give you some identity theft protection tips that will definitely help keep these criminals away.

Can I Stop This Theft?

In reality, the sources of information about you are so numerous and so available that, in truth, you cannot prevent the theft of your identity if a criminal is determined enough to get it. Now, before you panic, let me assure you, that does not mean YOUR identity will be stolen.

Let me also assure YOU, that you can greatly minimise the possibility of identity theft happening to you if you follow these identity theft protection tips which I will go through with you.

Before going any further, I do want to personally assure you that my opinion is non bias and that I am in no way connected to or affiliated with any security or identity theft prevention services.

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How to start an online business…

Identity Theft Protection Tips:

  • Never throw away ATM receipts, credit statements, credit cards, or bank
    identity-theft-protection-tips
    Identity Thief!

    statements in a usable form. If it’s paper, tear into small pieces or shred, for credit cards and the like, cut into pieces with a scissors or shred.

  • Never give your credit card number over the telephone unless you make the call.
  • Reconcile your bank account monthly and notify your bank of discrepancies immediately.
  • Keep a list of telephone numbers to call, if you ever need to report the loss or theft of your wallet, credit cards, etc.
  • Report unauthorised financial transactions to your bank, credit card company, and the police as soon as you detect them – do not delay.
  • Review a copy of your credit report at least once each year. Notify the credit bureau in writing of any questionable entries and follow through until they are explained or removed.
  • If your identity has been stolen, don’t forget to ask the credit bureau to print a statement to that effect in your credit report.
  • If you know or ever hear of anyone receiving mail from credit card companies or banks, in the names of other people, report it to local law enforcement authorities immediately.

At first glance, these might seem like a lot to take on board or even remember but, you know what, we all need to take responsibility for our own security and I think these are all very easy steps to take in order to help protect ourselves – what do YOU think?

In addition to protecting your identity, they will also give you peace of mind by lessening any worries or fears you might have about identity theft.

identity-theft-protection-tips
An Internet Millionaire’s Secret Formula…click on Image

So, be careful and stay safe………


Now, if you wish, you can check out the other pages and posts on Powerful Affiliate starting with how to start an online business that makes money – here you will find links to the current most popular and most important articles.

Or, right now, You can join as a starter member for free…….including two free websites – so nothing to lose, right.


As always, I would love to get your comments or suggestions in the box below or, if you prefer, Contact Me.

Thanks for visiting, please call again as I am constantly adding new information which will be of interest to you.

Cheers and do take care.

Michael

 

 

 

How To Avoid A Phishing Scam

What Is Phishing & How Can I Avoid It

how-to-avoid-a-phishing-scam
Phishing scam!

Many of you will not remember a world without the “Internet”. Is that mad or what?

Long, Long Ago!!

Think about it, surviving without the iPhone or even Mobile Phones as they were called or laptop, hard to imagine I know, but it’s not that long ago!

Then it’s not hard to imagine, that once the Internet came into being, Cyber Criminals, as they are now called, were not far behind.

These cyber criminals, using their malicious software, started to infect online businesses and individual accounts which were part of the developing networks being created and spreading all over the world. So, it is important that we familiarise ourselves with this problem and find out how to avoid a phishing scam.

Nowadays

Nowadays, Internet services and websites make our daily lives that much easier by facilitating the payment of bills, shopping, making online reservations, working from home online, earning money online, communicating with each other and, of course, how we carry out our duties in our workplace.

You can now do any of these actions from any place in the world. Borders, boundaries and human limitations have been largely eliminated in order for us to have access to almost any information……….our lives have become so much easier!!

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How to start an online business…

Cyber Criminals

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Cyber Criminals!

Unfortunately, we can say the same thing about Cyber Crime. All communications require a “connection” and these connections have been compromised again and again. The internet will always be vulnerable to these so called “cyber criminals”.

These days, more than ever before, cyber criminals can reach into our private lives, our personal communication devices, our homes and our work offices. There is an ongoing battle between high powered Technology Giants and cyber criminals –criminals who are becoming more and more sophisticated and technically aware of developments within the telecommunications industry.

Malware Scams & Phishing Scams

Criminals use various methods and tools:

Malware Scams – Traditional malicious software that attacks the vulnerabilities that are present in almost all the current programs and apps (even in the popular Windows operating systems).

Phishing Scams – These start with you getting a message by email or through a social network. Complicated, ingenious Phishing Scams are often deployed from unexpected regions of the world, where the Law and justice can’t easily reach the perpetrators.

The most common situations where you become vulnerable to Malicious Software (Malware Attack) or a Phishing Scam take place when you:

  • Shop Online
  • Open your emails
  • Access Social Media Networks

Therefore, in order to protect ourselves, we need to know what are the most popular schemes and techniques used by cyber criminals to obtain our private information and financial data.

Never forget, their final target is always your money and there is nothing they won’t do to get at it.

Phishing Email Scams

Phishing scams start with a communication made by email or on social networks.

Typically, you will receive messages from Cyber criminals who try to trick you into giving them your login credentials – for your bank account,

how-to-avoid-a-phishing-scam
Did YOU get a phishing scams on your PC?

social network, work account, cloud storage or any other personal data area they think might be valuable to them.

To disguise their intentions, the phishing emails will seem to come from an official source – it could be a bank or other financial institute, but could also be a delivery company or social network representative.

By doing it this way, they are hoping you will click on the links contained by their messages and thereby access a website that looks legit, looks like the real one – but is actually controlled by the cyber criminals. You will then be sent to a fake login access page that resembles the real website and, if you’re not paying attention, you may well end up giving away your login credentials and other personal information.

In addition and in order to increase their success rate, scammers will deliberately create a sense of urgency in the message. They’ll tell you a frightening story of how your bank account is under threat and how you really need to access it as soon as possible via a web page where you must insert your credentials in order to confirm your identity or your account.

Again of course, the provided link will only lead you to the fake web location and not to your real login page. After you fill in your online banking credentials, cyber criminals will use them to breach your real bank account or to sell them on to other interested criminals.

This is one of the main scamming techniques used to spread financial malware and data stealing malware. Realistically, there isn’t any reason why you shouldn’t be well prepared for any such attempts. However, even if you install a good antivirus program, there is no better way to stay safe from this threat than to avoid the initial infection phase.

So, How Do I Avoid Getting Caught In The Phishing Net?

how-to-avoid-a-phishing-scam
Nice FISH….does not cause a problem like Phishing does!

A – Sender Details  

First thing to check: the sender’s email address.

Look at the email header – does the sender’s email address match the name and the domain?

Spoofing the display name of an email, in order for it to appear as if it is from a “brand name”, is one of the most basics phishing tactics.

Example: An email from Amazon that comes from “noreply@amazon.com” is legitimate. But an email that looks like it is from someone at Amazon but was sent from a different domain, like the email in the picture below, is most certainly not from Amazon.

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Sample Phishing Email

Check and compare the headers from a genuine valid message that you have from the same source with those on the suspect message.

  • If they don’t match:
  • Don’t click on anything
  • Don’t download any attachment.

Here is a tool for experts – You can also analyse the email header and track IP using this tool.

If you are using Gmail – You can turn on the authentication icon for verified senders. This way, you will see a key icon next to authenticated messages from trusted senders, such as Google Wallet, eBay or PayPal. Unfortunately, only a few domains are currently supported by this program, but hopefully it will extend in the future.

Another verification method available for Gmail users – Check whether the email was authenticated by the sending domain. Open the message and click on the drop-down arrow below the sender’s name. Make sure the domain you see next to the ‘mailed-by’ or ‘signed-by’ lines matches the sender’s email address. Find out more about it here.

It will look like this:

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Sample

The second thing to check: the address the email was sent to.

Look at the To and CC fields. If the email was sent to old or wrong addresses, it may indicate it was sent to old lists or randomly generated emails.

B – Message Content

how-to-avoid-a-phishing-scam
Lies & more lies

Clue number one – They ask you to send them or verify personal information via email. Or, they are asking for information which the supposed sender should already have.

Clue number two – They are likely to play on your emotions or urgency. As a general rule, be suspicious of any mail that has urgent     requests (e.g. “respond in two days otherwise you will lose this deal”), exciting or upsetting news, offers, gift deals or coupons (especially around major holidays or events, such as Black Friday or Christmas).

Clue number three – They claim there was some sort of problem with your recent purchase or delivery and ask you to resend personal information or just click on a link to resolve it. Banks or legitimate e-Commerce representatives will never ask you to do that, as it’s not a secure method to transmit such information.

Here’s an example of PayPal phishing:

how-to-avoid-a-phishing-scam
Example of Phishing using PayPal Logo

Clue number four – They claim to be from a law enforcement agency. Law Enforcement Agencies never use email as a form of contact.

Clue number five – They ask you to call a number and give your personal details over the phone. If this is the case, search for the official correspondence from the company and use the phone number provided by them to verify if this is true.

C – Message Form

First rule -Beware of bogus or misleading links. Hover your mouse over the links in the email message in order to check them BEFORE clicking on them. The URLs may look valid at a first glance, but may use a variation in spelling or a different domain ( .net instead of .com, for example). Thanks to the new generic topic-level domains that were introduced in 2014, spammers and phishers gained new tools for their campaigns.

Some Scams use JavaScript – Other phishing scams use JavaScript  to place a picture of a legit URL over a browser’s address bar. The URL revealed when hovering with your mouse over a link can also be changed using Java.

Second rule – Look out for IP address links or URL shorteners. They can take a long URL, shorten it using services such as bit.ly, and redirect it to the intended destination. It’s hard to find out what’s on the other end of that link, so you might be falling into a trap – better be safe than sorry. Useful Tools – Check a redirect with this Redirect Checker from Internet Officer, to see where it’s leading to. Or screenshot the page remotely using Browser Shots.

Third rule – Beware of typos or spelling mistakes. This used to be the norm, but it’s no longer as common.

Fourth rule – Beware of amateurish looking designs. This means images that don’t match the background or look formatted to fit the style of the email. Stock photos, photos or logos uploaded at low resolution or bad quality.

Fifth rule – Beware of missing signatures. Lack of details about the sender or how to contact the company points in the phishing direction. A legitimate company will always provide such information.

D – Attachments

Look out for attachments. They can attach other types of files, such as PDF or DOC, that contain links. Or they can hide malware or they can cause your browser to crash while installing malware.

The latest Kaspersky Labs reports show that in Q3 of 2015 there’s been an increase in phishing using attachments and “A particular feature was a new trick used in phishing emails – in order to bypass spam filters they placed the text of the email and fraudulent link in an attached PDF document rather than in the message body”.

E – External Links / Websites

Let’s assume that you already clicked on a link from a suspicious email. Is the domain correct? Don’t forget that the link may look identical, but use a variation in spelling or domain.

Before submitting any information on that website, make sure that you are on a secure website connection. You can easily check that by looking at the link:

Does it start with “https” or “http”? The extra “s” will mean that the website has SSL. SSL is short for Secure Sockets Layer and is a method to ensure that the data sent and received is encrypted. More legit and safe websites will have a valid SSL certificate installed.

Another way to check that, is to look on the left of the web address: is there an icon of a closed padlock? Or is the address highlighted in green? This will indicate that you are visiting an encrypted site and the transferred data is safe.

F – Helpful Tools

Use browsers that offer built-in phishing protection. In general, there are two ways to detect phishing websites – Heuristics and Blacklists.

Heuristic Method A heuristic method analyses patterns in URL, words in web pages and servers in order to classify the site and warn the user.

Blacklists Google and Microsoft operate blacklists. Google integrated them with Firefox and Chrome, so a warning message will appear before entering a phishing website. Microsoft is integrated with Internet Explorer and Edge.

You can also install browser add-on’s and extensions designed to block phishing attempts. Read more tips on this subject on Tech Support Alert.

Conclusion

Online scams have been developed using increasingly sophisticated means to deceive users, especially in the rich Western countries.

According to FBI, online scams have increased over the last 10 years and the total losses doubled in the recent years, affecting both private individuals and large scale businesses. For this reason, cyber criminal activities are now subject to federal investigations and are treated as a very serious problem that affects us all.

For an extended list of common fraud schemes discovered and analysed by FBI, you can check this article.

You may think that you can’t be fooled by these online scams, since some of them are quite hilarious, such as the one promising to send you money or the one where the scammers pretend to be FBI agents. However, some stories are so convincing for the potential victims that it is difficult to know how to deal with them. Since some scams are so well organised and convincing, and the people behind them are so difficult to catch, we need to always keep our guard up. So, keep checking this site and others to stay informed about the latest scamming strategies.

Have you come across any of the above scams while browsing or in your email inbox? What were the most convincing ones?

Example of an Ethical, Legitimate Website – Wealthy Affiliate.

Please visit this Wealthy Affiliate website by clicking HERE. If you have ever thought about earning an income online using a method that is legitimate, ethical and successful, then this website is for you.

You can begin as a starter member- click Real Ways To Make Money Online – and build your own website, with full support and at no cost…..yes you read it correctly…..FREE.

A Premium option is available and will be offered later on if you want to progress to multiple websites, more features and more training.

Finally, I would love to hear your comments – please use the comment box below or, if you prefer,Contact Me.

Thank’s for visiting.

Cheers for now and do take care out there.

Michael

 

Ways To Avoid Internet Scams

Numerous Internet Scams For Anyone Not Prepared

ways-to-avoid-internet-scams
Is it a SCAM?

You know things can go wrong, even in the good times a genuine business can get into trouble and go down, but nobody, absolutely nobody, likes to discover that they have become another victim of a SCAM.

There are so many great online business’s out there but, if you want to learn how to make money online working from home and also find ways to avoid internet scams, there is one business in particular that I recommend.

I have reviewed that business separately – please click HERE. That business, which is really more like a community, will give you all the help and training that you need.

Unfortunately, there are also thousands of very dodgy characters and scams out there.  A lot of them are internet investment scams or internet based online training scams, I’m not even going to try and list all of them or even some of them.

To help YOU more, I believe it will be a lot better to help you avoid these scams by giving you a number of possible situations that you should avoid – I mean avoid like the plague.

I don’t claim to cover every possible scam situation, rather I will be giving you some tips or pointers that will make you even more alert than you would normally be, regardless of the scam situation concerned.

So, if you are ready, here we go:

No Risk, Sure Thing!

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Looks risky to me!!!

When you get a proposal from someone that uses words like

“Guaranteed” or “No Risk” or “Sure Thing” or “Can’t go Wrong” be very, very cautious. If they follow up with “you will earn an ongoing substantial income” well, just cut the call or run away.

Affinity Fraud – A Like Minded Person!

An unsolicited approach from a person who claims to have the same hobby, religion, country or whatever, may well be false and be used to get you to “drop your guard” for affinity fraud. Affinity fraud is a bit like investment fraud where the fraudster preys upon members of groups, such as religious or ethnic communities, language minorities, the elderly, or professional groups. The fraudsters who promote affinity scams frequently are – or can do a really good job of pretending to be – members of the particular group they want to scam.

New Technology Development!

ways-to-avoid-internet-scams
Is it real?

While this does happen, it’s probably unlikely you will be approached by an individual “out of the blue” and if you are approached, then it may be for a “new product” that is unproven, untested and possibly does not exist. Again get out of there.

Online Videos – Don’t Believe Everything You See!

Well, this article from The Sun will give you a good idea why! When I first saw this I thought, surely, people have more sense! Surely people can’t be that stupid! Anyway, here goes:

Apparently, some new iPhone 7 owners watched an online You Tube video which demonstrated and tricked them into thinking a headphone jack could be added to their new handset by drilling a 3.5mm hole in the position where the headphone jack would normally be! The new iPhone 7 does not have a headphone jack, as it is designed for use with bluetooth headphones.

This fake You Tube video, claiming to show users how they could get the headphone jack, went viral and many new iPhone owners damaged their new phones by following the instructions from the video! These, and I quote  The Sun,

” Clueless users then complained their phones had stopped working after falling victim to the prank. Furious James Ceja commented on the video: “I tried this and ended up with display destruction and it not working… I really committed the biggest mistake of my life by watching this video.”

David Iriarte added: “A friend of mine told me it worked for him, but my iPhone won’t turn on after I drilled the hole for the jack. “I checked and it was the 3.5mm drill, so I made no mistake there! What happened? Any of you have the same problem?”

Toekneechair questioned: “Ok I am sure it’s in the comments somewhere but my friend told me to ask what size drill bit am I supposed to use? “Also I don’t have that clamp thingy, can I or my friend hold it while we drill? I don’t want to ruin my phone. “Thanks for all the help guys…”

Click here to view the video http://bit.ly/2cVBBMx

Well, what do you think, would you fall for it? I would certainly hope not.

You Tube is truly amazing, with solutions and videos for almost any task you care to mention, so people visit You Tube looking for solutions all the time. That sense of trust may well be one of the reasons why these people were “tricked”, although, personally I think they were just stupid.

Anyway, you might say this is an extreme case – and I would agree – but it is still a useful WARNING that we must always be on the alert and not let our guard down.

Investments

A huge area with numerous genuine investment opportunities.

Again, unfortunately, there are also all kinds of “Professional Investment Scams” and Affinity Fraud as detailed above. Although it is a massive area of business activity there are a few pointers to follow for this and other scam situations:

  • Ask plenty of probing, difficult questions.
  • Watch the “body language”.
  • Watch for any “silences”.
  • Check what firm carries out the Audits – a reputable firm of auditors will not be a guarantee on any investment, but it would be more reassuring than some backstreet accountant.

Get On Board Now or You Will Lose Out!

ways-to-avoid-internet-scams
Caution strongly advised

Pressure is applied to invest money immediately or the opportunity will be lost! This is meant to stop you doing research or consulting with family or experts. If it’s a genuine long term proposal, then there should be ample time for background checks.

Sending Cash Overseas!

Genuine International Investments can be great but NEVER ever send cash overseas to some unknown person or company. It’s hard to believe that this is still happening.

Favourable Promotions!

Opportunities being favourably promoted on the internet and elsewhere can be absolutely amazing and totally legitimate.

But, again, there are the exceptions that are total scams – some very obvious and others that just don’t stand up to any serious scrutiny.

If It Sounds Too Good To Be True…….

Yes, if it sounds too good to be true, it probably is too good to be true – Old advice that is still very good advice – use your common sense and gut feeling.

Now Then – after all that – How Do You Avoid The Scams?

Do you want to avoid the scams and all that grief and frustration?

Well, absolute best thing to do, check out this company Wealthy Affiliate which I have reviewed separately.

For further helpful information, have a look at my other pages and posts especially how to work online at home  and real ways to earn money online

So, for now, there you have it…..

how-to-avoid-internet-scams
An Internet Millionaire’s Secret Formula…worth a read…click on Image

I do love to get feedback – good or bad, so please leave your comment in the box below or, if you prefer, Contact Me.

Thanks for dropping by, do take care out there.

Michael

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