Sharon Eisenhauer never thought she would understand budgeting when she was preparing to launch Haiku, her Oakland, California, company making functional, feminine bags for the outdoor recreation market. But once Haiku was up and running, she says, "everything clicked."
"Our budget has been an incredibly useful tool, especially for a product-based business," says Eisenhauer, whose sales are at $1.4 million after six years. "I couldn't do this without it."
An annual budget may seem like the least sexy part of a business – far less interesting, say, than the signature recipes of a restaurant or the cutting-edge apps produced by a software venture. Yet creating a realistic budget and paying attention to it throughout the year can mean the difference between business success and failure.
"Having a budget stacks the odds in your favor dramatically," says Vicki Suiter, a business consultant with Suiter Financial Systems in Novato, California. "It helps you make happen what you want to have happen."
Businesses need two kinds of annual budgets: an operating budget focused on profitability, and a budget focused on cash flow.
Setting an Annual Budget: The Road Map to Profitability
An operating budget is a prediction of all expected revenues and expenses over a 12-month period. It projects your gross and net sales, along with your net profits or losses.
On the expense side, it includes both one-time expenditures such as equipment purchases and ongoing costs such as rent.
Some expenses commonly included in budgets are:
- Rent
- Insurance
- Personnel, including payroll taxes
- Costs of purchasing or producing your product
- Sales and marketing
- Phone, Internet, and utilities
- Repairs and maintenance
- Outside services (accounting, legal etc.)
- Fees and licenses
- Interest
- Depreciation
- Office supplies
- Company vehicles, travel
An operating budget allows you to try out different assumptions in advance for variables like pricing and staffing, so you can take your best shot at making a healthy profit.
"I tell my clients to create three scenarios – best case, worst case, and middle of the road," says Michelle Long, a CPA and business consultant with Long for Success in Kansas City, Missouri. "Their budget helps them identify potential problems that may hamper their chances for success. They can plan for them, or adjust their business model to make it work."
It's relatively easy to create a profit-and-loss budget with accounting software such as QuickBooks. There are also free budget templates available online from organizations like SCORE.
Dig Deeper: 12 Best Tools for Budgeting
Setting an Annual Budget: Cash Flow is King
Novice business owners sometimes neglect the second kind of budget: a cash-flow budget. But in fact, it is problems with cash flow rather than profitability that cause many new businesses to fail.
Positive cash flow means you have enough money on hand to pay your bills at any given point in the year. A business can be profitable but still have cash-flow problems if, for instance, it has to shell out money in advance for inventory but doesn't receive payment from buyers until months later.
"You can operate at a loss for a while – a lot of small businesses do when they start out – but you can't operate with a negative cash flow," Long says.
To create a cash-flow budget, start with the assumptions about income and expenses that you developed for your operating budget. Then figure out, month by month, when you can expect to receive payments and when you'll have to pay bills.
"You may bill clients this month but not collect from them for 60 or 90 days," says Suiter. "If you can see beforehand that you'll be short of cash, you can arrange to get a line of credit, or borrow money, or pay (bills) out of your personal reserve."
You can use a spreadsheet program like Excel to create a cash flow budget, or use a template like this one from the U.S. Small Business Administration.
Dig Deeper: How can I Create a Reliable Cash-flow Budget?
Setting an Annual Budget: The Start-up Budget Challenge
Ongoing businesses can use the prior year's financial data as a starting point in setting next year's budget. But start-ups don't have this advantage. They've got to come up with all their budget numbers from scratch. Some questions you should ask yourself include: How much should we charge for your product or service? How many units of it will we be able to sell in our first year? How much will we need to spend on inventory or production? How many employees will we need, and what will they cost when we add in payroll taxes, workers' comp insurance, and benefits?
Owners of start-up businesses should do detailed research on their industry, their competition and their target market to answer these kinds of questions.
Talk to owners of similar ventures that are not your direct competitors. Look at aggregate industry data: You can find free financial benchmarks for a number of industries at Biz Stats, or at some other sites mentioned by Long in her blog.
Get exact numbers in advance for as many of your costs as possible. "Talk to a broker to find out exactly what your insurance costs will be. If you're going to have a Web site, find out exactly how much it will cost to maintain," says Emily Gasner, a business coach with Working Solutions in San Francisco.
Wow, finally people noticed.
All it took was Google to supposedly offer $3.5 million to an engineer to not go to Facebook. Now, that is what rational people would call cutting off the nose to spite the face. But these are not rational times. I have been writing about the escalating irrationality in Silicon Valley, which for some odd reason exists detached from the global economic reality.
In past few months, I wrote about three major and potentially troubling signs.
- Silicon Valley & the Scent of Money talked about the increased number of startups getting funded and the amount of money being pumped into the startups going up, thanks to hyperactive, always tweeting, angel investors.
- Silicon Valley’s Talent Crunch talked about how there was a decline in certain kind of engineering talent and other professionals in the valley, thanks to the breathless hiring from giants like Zynga, Google, Apple, Facebook and Twitter.
- The media’s focus on investors and not the founders.
There are some excerpts from Fred Wilson’s post I think are worth highlighting.
I think the competition for “hot” deals is making people crazy and I am seeing many more unnatural acts from investors happening. If it were just valuations rising quickly, I’d be a bit less concerned. But we are also seeing large deals ($5mm to $15mm) getting done in a few days with little or no due diligence. Investors are showing up at the first meeting with term sheets. I have never seen phases like this end nicely.
Irrationality often doesn’t seem irrational because it is often labeled as conventional or fashionable thinking. Let’s step back for a minute: if you take what Michael Arrington wrote or what Fred Wilson has to say or my own reporting, we are beginning to see signs of hyper-inflation in the web and startup landscape.
Fred doesn’t want to call it a bubble and he is right, mostly because it is not a classic case of mass hysteria, and instead it is a madness impact only a certain genus, the professional investor. The implications of this early stage investment hysteria are going to be felt across the ecosystem.
Let me explain.
Google, worried and perhaps tired of losing its great engineers and talented people to other companies including Facebook, decided to fight back with a weapon it knows can be effective in the short term: money. A ten percent across the board pay hike and generous offers to exceptional and standout employees are a good way to stem the flow of talent. Facebook and others, if they do indeed want these people, now have to spend cold-hard cash to lure people out of their cushy Google gig.
Of course, one could argue that what is good for the goose is good for the gander. The more cash big web companies offer as salaries, the more startups and others are pressed to offer higher salaries to their recruits, which in turn means that startups are going to need more money. More money means that tide might turn against the angels in favor of larger Sand Hill Road firms. A million-dollar angel round isn’t enough when you have to pay $100,000 or more in engineer salaries! In other words, the startup economics are going to change.
This is not good for startup founders either. Inflation means they need to raise more money, which will come at a cost: They will be giving up a bigger portion of their business to investors. Of course, higher valuations would make exits –- still few and far between –- tougher.
I think Wilson’s comment about “investors are showing up at the first meeting with term sheets” is particularly telling and indicative of the irrationality in the market. And the sad part –- it is only going to get worse.
Image courtesy of Flickr user joelogon
Related posts from GigaOM Pro (sub req’d):
- Why Google Should Fear the Social Web
- Lessons From Twitter: How to Play Nice With Ecosystem Partners
- What We Can Learn From the Guardian’s Open Platform
eric seiger
Supreme Court Ruling Keeps Ban on Gays From Openly Serving in the <b>...</b>
FOX News covers politics on America's Election Headquarters. FOX News political coverage on elections, races, foreign policy, candidates, and national security.
Denver Broncos <b>News</b>: Horse Tracks - 11/13/10 - Mile High Report
Your Daily Cup of Orange and Blue Coffee .. Horse Tracks!
Hit and run demolishes garage | garage, street, police - <b>News</b> <b>...</b>
News: Hit and run demolishes garage | garage, street, police, vehicle, hunt, witness, down, santa, hit, 17th.
eric seiger
Sharon Eisenhauer never thought she would understand budgeting when she was preparing to launch Haiku, her Oakland, California, company making functional, feminine bags for the outdoor recreation market. But once Haiku was up and running, she says, "everything clicked."
"Our budget has been an incredibly useful tool, especially for a product-based business," says Eisenhauer, whose sales are at $1.4 million after six years. "I couldn't do this without it."
An annual budget may seem like the least sexy part of a business – far less interesting, say, than the signature recipes of a restaurant or the cutting-edge apps produced by a software venture. Yet creating a realistic budget and paying attention to it throughout the year can mean the difference between business success and failure.
"Having a budget stacks the odds in your favor dramatically," says Vicki Suiter, a business consultant with Suiter Financial Systems in Novato, California. "It helps you make happen what you want to have happen."
Businesses need two kinds of annual budgets: an operating budget focused on profitability, and a budget focused on cash flow.
Setting an Annual Budget: The Road Map to Profitability
An operating budget is a prediction of all expected revenues and expenses over a 12-month period. It projects your gross and net sales, along with your net profits or losses.
On the expense side, it includes both one-time expenditures such as equipment purchases and ongoing costs such as rent.
Some expenses commonly included in budgets are:
- Rent
- Insurance
- Personnel, including payroll taxes
- Costs of purchasing or producing your product
- Sales and marketing
- Phone, Internet, and utilities
- Repairs and maintenance
- Outside services (accounting, legal etc.)
- Fees and licenses
- Interest
- Depreciation
- Office supplies
- Company vehicles, travel
An operating budget allows you to try out different assumptions in advance for variables like pricing and staffing, so you can take your best shot at making a healthy profit.
"I tell my clients to create three scenarios – best case, worst case, and middle of the road," says Michelle Long, a CPA and business consultant with Long for Success in Kansas City, Missouri. "Their budget helps them identify potential problems that may hamper their chances for success. They can plan for them, or adjust their business model to make it work."
It's relatively easy to create a profit-and-loss budget with accounting software such as QuickBooks. There are also free budget templates available online from organizations like SCORE.
Dig Deeper: 12 Best Tools for Budgeting
Setting an Annual Budget: Cash Flow is King
Novice business owners sometimes neglect the second kind of budget: a cash-flow budget. But in fact, it is problems with cash flow rather than profitability that cause many new businesses to fail.
Positive cash flow means you have enough money on hand to pay your bills at any given point in the year. A business can be profitable but still have cash-flow problems if, for instance, it has to shell out money in advance for inventory but doesn't receive payment from buyers until months later.
"You can operate at a loss for a while – a lot of small businesses do when they start out – but you can't operate with a negative cash flow," Long says.
To create a cash-flow budget, start with the assumptions about income and expenses that you developed for your operating budget. Then figure out, month by month, when you can expect to receive payments and when you'll have to pay bills.
"You may bill clients this month but not collect from them for 60 or 90 days," says Suiter. "If you can see beforehand that you'll be short of cash, you can arrange to get a line of credit, or borrow money, or pay (bills) out of your personal reserve."
You can use a spreadsheet program like Excel to create a cash flow budget, or use a template like this one from the U.S. Small Business Administration.
Dig Deeper: How can I Create a Reliable Cash-flow Budget?
Setting an Annual Budget: The Start-up Budget Challenge
Ongoing businesses can use the prior year's financial data as a starting point in setting next year's budget. But start-ups don't have this advantage. They've got to come up with all their budget numbers from scratch. Some questions you should ask yourself include: How much should we charge for your product or service? How many units of it will we be able to sell in our first year? How much will we need to spend on inventory or production? How many employees will we need, and what will they cost when we add in payroll taxes, workers' comp insurance, and benefits?
Owners of start-up businesses should do detailed research on their industry, their competition and their target market to answer these kinds of questions.
Talk to owners of similar ventures that are not your direct competitors. Look at aggregate industry data: You can find free financial benchmarks for a number of industries at Biz Stats, or at some other sites mentioned by Long in her blog.
Get exact numbers in advance for as many of your costs as possible. "Talk to a broker to find out exactly what your insurance costs will be. If you're going to have a Web site, find out exactly how much it will cost to maintain," says Emily Gasner, a business coach with Working Solutions in San Francisco.
Wow, finally people noticed.
All it took was Google to supposedly offer $3.5 million to an engineer to not go to Facebook. Now, that is what rational people would call cutting off the nose to spite the face. But these are not rational times. I have been writing about the escalating irrationality in Silicon Valley, which for some odd reason exists detached from the global economic reality.
In past few months, I wrote about three major and potentially troubling signs.
- Silicon Valley & the Scent of Money talked about the increased number of startups getting funded and the amount of money being pumped into the startups going up, thanks to hyperactive, always tweeting, angel investors.
- Silicon Valley’s Talent Crunch talked about how there was a decline in certain kind of engineering talent and other professionals in the valley, thanks to the breathless hiring from giants like Zynga, Google, Apple, Facebook and Twitter.
- The media’s focus on investors and not the founders.
There are some excerpts from Fred Wilson’s post I think are worth highlighting.
I think the competition for “hot” deals is making people crazy and I am seeing many more unnatural acts from investors happening. If it were just valuations rising quickly, I’d be a bit less concerned. But we are also seeing large deals ($5mm to $15mm) getting done in a few days with little or no due diligence. Investors are showing up at the first meeting with term sheets. I have never seen phases like this end nicely.
Irrationality often doesn’t seem irrational because it is often labeled as conventional or fashionable thinking. Let’s step back for a minute: if you take what Michael Arrington wrote or what Fred Wilson has to say or my own reporting, we are beginning to see signs of hyper-inflation in the web and startup landscape.
Fred doesn’t want to call it a bubble and he is right, mostly because it is not a classic case of mass hysteria, and instead it is a madness impact only a certain genus, the professional investor. The implications of this early stage investment hysteria are going to be felt across the ecosystem.
Let me explain.
Google, worried and perhaps tired of losing its great engineers and talented people to other companies including Facebook, decided to fight back with a weapon it knows can be effective in the short term: money. A ten percent across the board pay hike and generous offers to exceptional and standout employees are a good way to stem the flow of talent. Facebook and others, if they do indeed want these people, now have to spend cold-hard cash to lure people out of their cushy Google gig.
Of course, one could argue that what is good for the goose is good for the gander. The more cash big web companies offer as salaries, the more startups and others are pressed to offer higher salaries to their recruits, which in turn means that startups are going to need more money. More money means that tide might turn against the angels in favor of larger Sand Hill Road firms. A million-dollar angel round isn’t enough when you have to pay $100,000 or more in engineer salaries! In other words, the startup economics are going to change.
This is not good for startup founders either. Inflation means they need to raise more money, which will come at a cost: They will be giving up a bigger portion of their business to investors. Of course, higher valuations would make exits –- still few and far between –- tougher.
I think Wilson’s comment about “investors are showing up at the first meeting with term sheets” is particularly telling and indicative of the irrationality in the market. And the sad part –- it is only going to get worse.
Image courtesy of Flickr user joelogon
Related posts from GigaOM Pro (sub req’d):
- Why Google Should Fear the Social Web
- Lessons From Twitter: How to Play Nice With Ecosystem Partners
- What We Can Learn From the Guardian’s Open Platform
eric seiger
Supreme Court Ruling Keeps Ban on Gays From Openly Serving in the <b>...</b>
FOX News covers politics on America's Election Headquarters. FOX News political coverage on elections, races, foreign policy, candidates, and national security.
Denver Broncos <b>News</b>: Horse Tracks - 11/13/10 - Mile High Report
Your Daily Cup of Orange and Blue Coffee .. Horse Tracks!
Hit and run demolishes garage | garage, street, police - <b>News</b> <b>...</b>
News: Hit and run demolishes garage | garage, street, police, vehicle, hunt, witness, down, santa, hit, 17th.
eric seiger
eric seiger
eric seiger
Supreme Court Ruling Keeps Ban on Gays From Openly Serving in the <b>...</b>
FOX News covers politics on America's Election Headquarters. FOX News political coverage on elections, races, foreign policy, candidates, and national security.
Denver Broncos <b>News</b>: Horse Tracks - 11/13/10 - Mile High Report
Your Daily Cup of Orange and Blue Coffee .. Horse Tracks!
Hit and run demolishes garage | garage, street, police - <b>News</b> <b>...</b>
News: Hit and run demolishes garage | garage, street, police, vehicle, hunt, witness, down, santa, hit, 17th.
eric seiger
Sharon Eisenhauer never thought she would understand budgeting when she was preparing to launch Haiku, her Oakland, California, company making functional, feminine bags for the outdoor recreation market. But once Haiku was up and running, she says, "everything clicked."
"Our budget has been an incredibly useful tool, especially for a product-based business," says Eisenhauer, whose sales are at $1.4 million after six years. "I couldn't do this without it."
An annual budget may seem like the least sexy part of a business – far less interesting, say, than the signature recipes of a restaurant or the cutting-edge apps produced by a software venture. Yet creating a realistic budget and paying attention to it throughout the year can mean the difference between business success and failure.
"Having a budget stacks the odds in your favor dramatically," says Vicki Suiter, a business consultant with Suiter Financial Systems in Novato, California. "It helps you make happen what you want to have happen."
Businesses need two kinds of annual budgets: an operating budget focused on profitability, and a budget focused on cash flow.
Setting an Annual Budget: The Road Map to Profitability
An operating budget is a prediction of all expected revenues and expenses over a 12-month period. It projects your gross and net sales, along with your net profits or losses.
On the expense side, it includes both one-time expenditures such as equipment purchases and ongoing costs such as rent.
Some expenses commonly included in budgets are:
- Rent
- Insurance
- Personnel, including payroll taxes
- Costs of purchasing or producing your product
- Sales and marketing
- Phone, Internet, and utilities
- Repairs and maintenance
- Outside services (accounting, legal etc.)
- Fees and licenses
- Interest
- Depreciation
- Office supplies
- Company vehicles, travel
An operating budget allows you to try out different assumptions in advance for variables like pricing and staffing, so you can take your best shot at making a healthy profit.
"I tell my clients to create three scenarios – best case, worst case, and middle of the road," says Michelle Long, a CPA and business consultant with Long for Success in Kansas City, Missouri. "Their budget helps them identify potential problems that may hamper their chances for success. They can plan for them, or adjust their business model to make it work."
It's relatively easy to create a profit-and-loss budget with accounting software such as QuickBooks. There are also free budget templates available online from organizations like SCORE.
Dig Deeper: 12 Best Tools for Budgeting
Setting an Annual Budget: Cash Flow is King
Novice business owners sometimes neglect the second kind of budget: a cash-flow budget. But in fact, it is problems with cash flow rather than profitability that cause many new businesses to fail.
Positive cash flow means you have enough money on hand to pay your bills at any given point in the year. A business can be profitable but still have cash-flow problems if, for instance, it has to shell out money in advance for inventory but doesn't receive payment from buyers until months later.
"You can operate at a loss for a while – a lot of small businesses do when they start out – but you can't operate with a negative cash flow," Long says.
To create a cash-flow budget, start with the assumptions about income and expenses that you developed for your operating budget. Then figure out, month by month, when you can expect to receive payments and when you'll have to pay bills.
"You may bill clients this month but not collect from them for 60 or 90 days," says Suiter. "If you can see beforehand that you'll be short of cash, you can arrange to get a line of credit, or borrow money, or pay (bills) out of your personal reserve."
You can use a spreadsheet program like Excel to create a cash flow budget, or use a template like this one from the U.S. Small Business Administration.
Dig Deeper: How can I Create a Reliable Cash-flow Budget?
Setting an Annual Budget: The Start-up Budget Challenge
Ongoing businesses can use the prior year's financial data as a starting point in setting next year's budget. But start-ups don't have this advantage. They've got to come up with all their budget numbers from scratch. Some questions you should ask yourself include: How much should we charge for your product or service? How many units of it will we be able to sell in our first year? How much will we need to spend on inventory or production? How many employees will we need, and what will they cost when we add in payroll taxes, workers' comp insurance, and benefits?
Owners of start-up businesses should do detailed research on their industry, their competition and their target market to answer these kinds of questions.
Talk to owners of similar ventures that are not your direct competitors. Look at aggregate industry data: You can find free financial benchmarks for a number of industries at Biz Stats, or at some other sites mentioned by Long in her blog.
Get exact numbers in advance for as many of your costs as possible. "Talk to a broker to find out exactly what your insurance costs will be. If you're going to have a Web site, find out exactly how much it will cost to maintain," says Emily Gasner, a business coach with Working Solutions in San Francisco.
Wow, finally people noticed.
All it took was Google to supposedly offer $3.5 million to an engineer to not go to Facebook. Now, that is what rational people would call cutting off the nose to spite the face. But these are not rational times. I have been writing about the escalating irrationality in Silicon Valley, which for some odd reason exists detached from the global economic reality.
In past few months, I wrote about three major and potentially troubling signs.
- Silicon Valley & the Scent of Money talked about the increased number of startups getting funded and the amount of money being pumped into the startups going up, thanks to hyperactive, always tweeting, angel investors.
- Silicon Valley’s Talent Crunch talked about how there was a decline in certain kind of engineering talent and other professionals in the valley, thanks to the breathless hiring from giants like Zynga, Google, Apple, Facebook and Twitter.
- The media’s focus on investors and not the founders.
There are some excerpts from Fred Wilson’s post I think are worth highlighting.
I think the competition for “hot” deals is making people crazy and I am seeing many more unnatural acts from investors happening. If it were just valuations rising quickly, I’d be a bit less concerned. But we are also seeing large deals ($5mm to $15mm) getting done in a few days with little or no due diligence. Investors are showing up at the first meeting with term sheets. I have never seen phases like this end nicely.
Irrationality often doesn’t seem irrational because it is often labeled as conventional or fashionable thinking. Let’s step back for a minute: if you take what Michael Arrington wrote or what Fred Wilson has to say or my own reporting, we are beginning to see signs of hyper-inflation in the web and startup landscape.
Fred doesn’t want to call it a bubble and he is right, mostly because it is not a classic case of mass hysteria, and instead it is a madness impact only a certain genus, the professional investor. The implications of this early stage investment hysteria are going to be felt across the ecosystem.
Let me explain.
Google, worried and perhaps tired of losing its great engineers and talented people to other companies including Facebook, decided to fight back with a weapon it knows can be effective in the short term: money. A ten percent across the board pay hike and generous offers to exceptional and standout employees are a good way to stem the flow of talent. Facebook and others, if they do indeed want these people, now have to spend cold-hard cash to lure people out of their cushy Google gig.
Of course, one could argue that what is good for the goose is good for the gander. The more cash big web companies offer as salaries, the more startups and others are pressed to offer higher salaries to their recruits, which in turn means that startups are going to need more money. More money means that tide might turn against the angels in favor of larger Sand Hill Road firms. A million-dollar angel round isn’t enough when you have to pay $100,000 or more in engineer salaries! In other words, the startup economics are going to change.
This is not good for startup founders either. Inflation means they need to raise more money, which will come at a cost: They will be giving up a bigger portion of their business to investors. Of course, higher valuations would make exits –- still few and far between –- tougher.
I think Wilson’s comment about “investors are showing up at the first meeting with term sheets” is particularly telling and indicative of the irrationality in the market. And the sad part –- it is only going to get worse.
Image courtesy of Flickr user joelogon
Related posts from GigaOM Pro (sub req’d):
- Why Google Should Fear the Social Web
- Lessons From Twitter: How to Play Nice With Ecosystem Partners
- What We Can Learn From the Guardian’s Open Platform
eric seiger
eric seiger
Supreme Court Ruling Keeps Ban on Gays From Openly Serving in the <b>...</b>
FOX News covers politics on America's Election Headquarters. FOX News political coverage on elections, races, foreign policy, candidates, and national security.
Denver Broncos <b>News</b>: Horse Tracks - 11/13/10 - Mile High Report
Your Daily Cup of Orange and Blue Coffee .. Horse Tracks!
Hit and run demolishes garage | garage, street, police - <b>News</b> <b>...</b>
News: Hit and run demolishes garage | garage, street, police, vehicle, hunt, witness, down, santa, hit, 17th.
eric seiger
eric seiger
Supreme Court Ruling Keeps Ban on Gays From Openly Serving in the <b>...</b>
FOX News covers politics on America's Election Headquarters. FOX News political coverage on elections, races, foreign policy, candidates, and national security.
Denver Broncos <b>News</b>: Horse Tracks - 11/13/10 - Mile High Report
Your Daily Cup of Orange and Blue Coffee .. Horse Tracks!
Hit and run demolishes garage | garage, street, police - <b>News</b> <b>...</b>
News: Hit and run demolishes garage | garage, street, police, vehicle, hunt, witness, down, santa, hit, 17th.
eric seiger
Supreme Court Ruling Keeps Ban on Gays From Openly Serving in the <b>...</b>
FOX News covers politics on America's Election Headquarters. FOX News political coverage on elections, races, foreign policy, candidates, and national security.
Denver Broncos <b>News</b>: Horse Tracks - 11/13/10 - Mile High Report
Your Daily Cup of Orange and Blue Coffee .. Horse Tracks!
Hit and run demolishes garage | garage, street, police - <b>News</b> <b>...</b>
News: Hit and run demolishes garage | garage, street, police, vehicle, hunt, witness, down, santa, hit, 17th.
eric seiger
Supreme Court Ruling Keeps Ban on Gays From Openly Serving in the <b>...</b>
FOX News covers politics on America's Election Headquarters. FOX News political coverage on elections, races, foreign policy, candidates, and national security.
Denver Broncos <b>News</b>: Horse Tracks - 11/13/10 - Mile High Report
Your Daily Cup of Orange and Blue Coffee .. Horse Tracks!
Hit and run demolishes garage | garage, street, police - <b>News</b> <b>...</b>
News: Hit and run demolishes garage | garage, street, police, vehicle, hunt, witness, down, santa, hit, 17th.
eric seiger eric seiger
eric seiger
eric seiger
eric seiger
Supreme Court Ruling Keeps Ban on Gays From Openly Serving in the <b>...</b>
FOX News covers politics on America's Election Headquarters. FOX News political coverage on elections, races, foreign policy, candidates, and national security.
Denver Broncos <b>News</b>: Horse Tracks - 11/13/10 - Mile High Report
Your Daily Cup of Orange and Blue Coffee .. Horse Tracks!
Hit and run demolishes garage | garage, street, police - <b>News</b> <b>...</b>
News: Hit and run demolishes garage | garage, street, police, vehicle, hunt, witness, down, santa, hit, 17th.
In today's time, it is not only opportunities for making money taking surveys come abundant in the internet's niche but frauds and scammers as well. Even though there seems a lot of websites and companies offering people this kind of money-making opportunity, not all of them are great options. Often, most of them are the best buy in words but never in actions.
Usually, companies and programs for making money taking surveys send invitations to you to answer and participate in paid surveys by requiring you to submit your email address. Other than this and some basic personal information, they don't require anything else like fees and the like. They are the one to give you corresponding payments depending on surveys you have participated in. So, if in case you want to give this opportunity a try, remember the following making money taking surveys considerations in choosing legitimate websites and companies for you not to be a scam victim.
In choosing a scam-free paid survey companies and websites, you should always understand what you need to look for. This is of course to ensure that you will not go poorer rather than getting wealthier. Websites that you must avoid are those that come with web addresses that are hyphenated. Hyphens are used only as a trick on getting high rankings in the web by scammers. Also, those companies and sites that require membership fee from you must not be considered. Always remember that such fee-requiring sites can never be legitimate for a jobseeker like you.
Furthermore, those websites that use too good to be true cash payouts should be added in this list. Yes, income is truly possible here but of course, there can be no good company that will showcase huge cash for just a single survey taken. There are also illegitimate websites that require you to try irrelevant survey products and ask your credit cards for the purchase.
Bear in mind that those that have "about" pages and "privacy" pages are the only sites for making money taking surveys that you should trust. "About" page is where the company's information are detailed and "privacy" page shares you the pledge of the company that they will never sell nor spam your email address and other information.
Making money taking surveys is truly one good opportunity for everybody who wants to make more income. However, the fact that a lot of scams are scattered here and there is alarming too. So better be guided with reliable considerations in choosing a legitimate one so that you will not end up with no gain in the long run.
Find how to successfully find c0mpanies and websites for making money taking surveys online. Earning money has never been this easy today.
eric seiger
Supreme Court Ruling Keeps Ban on Gays From Openly Serving in the <b>...</b>
FOX News covers politics on America's Election Headquarters. FOX News political coverage on elections, races, foreign policy, candidates, and national security.
Denver Broncos <b>News</b>: Horse Tracks - 11/13/10 - Mile High Report
Your Daily Cup of Orange and Blue Coffee .. Horse Tracks!
Hit and run demolishes garage | garage, street, police - <b>News</b> <b>...</b>
News: Hit and run demolishes garage | garage, street, police, vehicle, hunt, witness, down, santa, hit, 17th.
eric seiger
Supreme Court Ruling Keeps Ban on Gays From Openly Serving in the <b>...</b>
FOX News covers politics on America's Election Headquarters. FOX News political coverage on elections, races, foreign policy, candidates, and national security.
Denver Broncos <b>News</b>: Horse Tracks - 11/13/10 - Mile High Report
Your Daily Cup of Orange and Blue Coffee .. Horse Tracks!
Hit and run demolishes garage | garage, street, police - <b>News</b> <b>...</b>
News: Hit and run demolishes garage | garage, street, police, vehicle, hunt, witness, down, santa, hit, 17th.
eric seiger
No comments:
Post a Comment