HOW TO EARNMONEYONLINE THE FACTS: June 2011

FACEBOOK

Wednesday, June 29, 2011

MILLIONERE ANYONE

This summary is not available. Please click here to view the post.

Monday, June 27, 2011

Sunday, June 26, 2011

The Top 5 Ways to Become a Millionaire – How to Become a Millionaire







Anyone Can Become a Millionaire by Following a Few Simple Steps

Becoming a millionaire isn’t all that difficult and there are countless ways to achieve that milestone. Some people do it through real estate, others start their own business, while some simply get lucky by winning the lottery or winning big on a game show. What is even more interesting is that you don’t have to be wealthy to begin with nor do you have to earn six figures to reach this goal.
I know some people who earn well over $100,000 and all they have to show for it is a large mortgage payment and a fancy car that depreciates faster than a glass of milk left outside in the summer sun. Anyone can become a millionaire and there are five things you need to do to have the best shot of making that a reality.

1. Earn Income.

Clearly, the more money you make, the faster you can reach that milestone, but that doesn’t mean your average Joe with a average income can’t obtain millionaire status. The current median income in this country ranges between $35,000-$60,000 depending on where you live. Better yet, get married so you have dual incomes. The wonderful thing about having dual incomes is that even with two people in the household, your income may double, but your expenses typically don’t.
If you don’t earn even an average income, all is not lost. It is up to you to do something about it. A negative attitude about your job or your earning potential won’t change anything. Be proactive and make the decision to improve your situation. It is your life, so take control and realize that things don’t change overnight. It may take a few years of slow growth before you reach the point where you want to be, but you can do it if you try. Remember, short of inheriting money from a relative or winning the lottery, you will need reasonable income to become a millionaire.

2. Live Within Your Means.

Ok, so you have income but now what? It doesn’t matter how much money you make if you spend it all or spend even more than you make. It might be nice to eat out at nice restaurants every night, or to always be on the cutting edge of designer fashion but, this will only make you look like millionaire to others instead of actually being a millionaire. This doesn’t mean you have to live a miserable and miserly lifestyle, but you simply need to live reasonably. The bottom line is buying things and acting like a millionaire if you aren’t will simply empty your bank account and give people a false impression of your status, but that’s it.
Start by purchasing a home that you can comfortably afford and drive vehicles that suit your lifestyle without straining your budget. You don’t have to be pulling down $75,000 a year and drive a 1992 Civic Hatchback or live in a dump, but throwing your money at a 4,000 square foot home in a gated community with luxury cars or SUVs that cost as much as one year of your salary won’t help you become a millionaire. Some may argue that an expensive home and real estate in general is a good way to become a millionaire, but I will touch on that later.

3. Save Money.

This isn’t rocket science but if you earn a reasonable income and you live within your means, guess what, you will probably have money left over to save. But that’s exactly the problem. Most people treat savings as an afterthought, or something that only gets attended to after all the other bills are paid. People pay bills, buy things, and then whatever is leftover they try to save. That is the wrong way to save. I’m sure you’ve heard it before, but pay yourself first. Whether it is $100 a month or $1,000 a month, think of the savings as a bill that needs to be paid and do it regularly. If you are unable to save money you will find that your only wealth is in the form of material things. So, you need to start saving every month and you need to make it happen automatically. An online savings account can accomplish this for you, and on top of that you’ll be earning better interest on that money than you would be at your local bank. Start saving today with a high-yield savings account.

4. Invest Wisely.

Now that you are saving money, you need to invest it wisely. Sticking it under the mattress or slowly building up in a savings account isn’t going to help you reach your goals any faster. You don’t have to read the Wall Street Journal or watch CNBC everyday while actively managing your portfolio in order to be a good investor. Some of the best investment advice is to simply invest regularly and in a diversified portfolio. If you do this you’ll already be doing more than most people and on your way to building wealth.
It is also important to remember that real estate is part of your investment picture, but it shouldn’t be all of it. Too many people stake almost everything they have into a primary residence and expect it to appreciate in value. Just like any investment, generally speaking, over time you will make money. There isn’t much debate about that, but relying heavily on real estate is no different than if you rely on one stock to fund your retirement. So, begin with opening up an investing account and put your money to work. It doesn’t matter if you are investing in stocks, bonds, or index funds, but keeping costs down helps you keep more of your own money. One of the best and cheapest places to start investing is at Zecco. The Free Trading Community: www.zecco.com.
You can become a millionaire by simply buying a single stock and holding onto it for 20 years if it goes up significantly just like you can buy a $500,000 home and have it double in value in 20 years, but that’s a pretty risky proposition. Take a lot of the risk out of the picture by making sure all of your eggs aren’t in the same basket and develop an investment strategy that will provide steady growth over the years..

5. Stick With Your Plan.

Finally, if you have done the previous four items the only thing left to do is to continue doing it and stick to the plan. As far as income is concerned, always be on the lookout for ways to increase your income, whether it is through climbing the ladder at your current job, finding work elsewhere, or maybe even starting a business on the side. Increased income will mean you can save even more, provided you aren’t foolishly spending the additional money. As that additional money gets tucked away into savings or investments it will continue to grow even more quickly.

It Isn’t Hard to Do if You Work at It

Unfortunately, most people are looking for a way to get rich quick or to capitalize on the next big thing. It is true that some people have made their wealth through playing the real estate market, while others have done so by investing in a few stocks that exploded, but this is the exception and not the norm. If the above list seems overly simplistic, that’s good. There are no secrets to becoming a millionaire and almost anyone has the chance to make it happen. The process is simple:

Saturday, June 25, 2011

Any Idiot Can Make millions off Google. By Markus




PPC,  which stands for Pay Per Click is making a lot of people very very rich.   The surprising thing is that very few of the top earners have much in the way of a computer background.   I have taught a lot of people how do PPC and the ones that have the most success are the ones with the most patience and drive.
Here is how it works, when you do a search on google the right hand side contains paid listings.  If you search for the term "online dating" all the ads you see on the right hand side are from people bidding on the term online dating.
How do these people make money?   Well there are many affiliate networks out there that will pay you to promote products and services.  My favorite networks  are ones that pay per action, ie someone just has to give their email address or phone number. This lead pays out $5.10 for anyone that fills out the form.   This singles Cell phone offer  is a offshoot of a ring tone offer,  you get paid $12.00 for every person that enters their cell phone number.
 Here is a sample of a google Ad which you place by signing up here www.google.com/adwords,  you pick a list of search terms you want this ad to display for and the max price you want to bid.  You then direct traffic to a link  provided by an affiliate network. 
Googe Ad
google ad
Sample Affiliate Network listings of offers you can promote
Azoogle
Sample Pay Per Lead Affiliate networks.   Azoogle and Primaryads
The max  you can make by yourself doing  PPC ads  is around $100,000/month  this is the point  where you replace ads as fast as you can create them.    There are many hot offers like ring tones  that only work for 6 months or so before they are replaced.  Also competition may drive up prices and its no longer profitable for you to bid on those terms.
If you have your own website  affiliate networks are great.   If don't have many users (under 30,000 uniques/day) and they are all focused on your subject area a good rule of thumb is you can make $2.00 off affiliate ads  for every dollar you make off adsense.
Looking for inspiration?  Many of the sites that show up in the non paid listings in google for travel, credit card and drug  are making over $10,000 a day 
For even bigger inspiration  check out ebay. http://affiliates.ebay.com/affiliate-community/news/ 
eBay Affiliate Earns over $1.4 Million in One Month!eBay's largest affiliate earned over $1,400,000 in February '04 commissions,$1,300,000 in January '04, and $1,000,000 in December '03! eBay has made several of our affiliates millionaires, but never before in a single month! eBay's top 25 affiliates average over $100,000 each month – well over $1.2 Million in annual earnings
 eBay's top 100 affiliates earn almost $25,000 each month – that's nearly$300,000 each year
Be the first to like this post.

93 Responses to “Any Idiot Can Make millions off Google.”

  1. Oman Says:
    Great post, making a million of google isnt as easy as some of these rich jerks out there make it out to be.
  2. Gopi Says:
    Congrats on your new blog & btb great post markus…the thing with promoting CPA programs with PPC is one has to constantly ahead of the crowd and find that killer offer and promote it 3-4 months before everybody and their mom jumps in…
  3. Markus Says:
    Thanks Gopi,
    You can still keep ahead with PPC, the problem is a lot of these networks sell your data or lists of affiliates promoting what offers. You have to go through a lot of effort to clean your links and make sure that they can’t pick up the referal string. You can do this by redirecting through a bunch of different domains using temp and perm redirects.
    I strongly suspect some of these networks are building big databases of Keywords that affiliates use to promote via PPC, after a few weeks time they set up their own affiliate site and then outbid all the affiliates for terms. But for the most part unless your making close to a grand a day off a program its not something you have to worry to much about. If you are making that much you can always go direct to merchant and get up to double the payout, that way even if everyone jumps in you can still make a lot more money then they can.
  4. Doug Says:
    Markus –
    Certainly, I would congratulate you on your successes. However, nearly all of the sites you have listed in your article are generally seen as sites that are out to mislead customers, get them signed up in programs by burying prices and conditions in the fine print, or simply spam them to death.
    For instance, siteadvisor.com has this to say about primaryads:
    “When we tested this site we found links to consumerincentivepromotions.com, which our tests found to be a high volume or spammy e-mailer.”
    (http://www.siteadvisor.com/sites/primaryads.com?aff_id=0)
    Consumerincentivepromotions spams new signups with 78 emails per week according to siteadvisor. That’s insane! But that’s not even the worst … promotionsgateway.com, also linked to primary ads, reportedly sent ***491*** spam emails to the test signup email that SiteAdvisor used, in a single week!!! Most every site connected to primaryads seems to spam their users in excess of 100 messages per week. How do you feel with your $5 signup, knowing that you just destroyed someone’s email?
    The “ringtone/chat” offer? Blinko.com? Check these comments out from siteadvisor.com:
    “My friend tried to get a free ringtone from this website, and he was forced to put in his credit card number. Now he has to pay for a 2 month subscription that he never wanted. BEWARE: If you want free ringtones, look somewhere else”
    and
    “I will be contacting the Federal Trade Commission (ftc.gov), Better Business Bureau (bbb.org) and my state’s attorney general (naag.org). I urge others with the same situation to do the same.”
    and
    “When we visited this site we found one or more misleading ringtone offers. For example, we found an offer where a user was promised a ‘free’ ringtone — but accepting that offer would automatically enroll the user in a monthly subscription.” (from SiteAdvisor staff themselves)
    So while this all may sound fascinating and simple to your readers here – they should be aware of what they are getting themselves into.
    Azoogle Ads actually seems quite clean according to siteadvisor’s analysis – so I’ll definitely check that one out, thanks. And I’ll look into the eBay items as well.
  5. Markus Says:
    Primaryads, cj.com azoogleads.com etc all have the same offers and the same advertisers. What you are referring to is zipcode/email offers and they are all on affiliate networks. They are usually promoted via email.
  6. ypee200 Says:
    I tried to apply for the ebay.com Affiliate program. Right upfront, I had declared in my address that I am based out of India. After filling out several online forms, including from their agent Commission Junction, including some paper forms that I had to fax to the USA, I find that they have declined my application, without giving any reason. Then, when I read the eBay Affiliate Program FAQ, I found under “Eligibility” section that they accept applications only from USA-based affiliates. If that is the case, why did they bother to make me go through the whole procedure and waste my time and theirs?
  7. paowiee Says:
    Hey Markus!
    Great job with your site!!! I’ve heard about you for a long time now but it’s only today that I got to see your blog. Keep up the good work and more power to you!
    Great post by the way. Never realized that you can make money on Ebay by being an affiliate! I’m using PPC as well to sell affiliate products, I’ll expand to Ebay .
  8. Raphie Frank :: business artivist » 3 Catches For Plentyoffish: Why Any Idiot Can Make Millions? Says:
    [...] Marcus seems to think Any Idiot Can Make Millions, but there are three catches if you ask me… [...]
  9. Kevin Says:
    “Consumerincentivepromotions spams new signups with 78 emails per week according to siteadvisor. That’s insane!”
    Maybe it is insane, maybe it isn’t. It depends on whether it is profitable. One thing it is NOT, however, is spam. If you sign up and give them permission to email you, it is NOT SPAM, no matter how many times they email you.
  10. Jimmy Says:
    I think that finding the affiliate programs is not hard but implementing it and getting traffic to your website is the hard part. And once you get traffic, you need something on your website to keep them coming back for more.
  11. Sergej Says:
    What do you think? Is it easier to earn money whit a English website
    or is it possible in any other language?
    It is good if some one is born in a industry nation and can speak English.
    In other nations the advertisers don’t pay so much money for advertisement. In Germany we have also a lower pay rate than in other countries.
    Here you can see a overview what companies spend for advertise for a person in a year.
    1. USA 572 €
    2. Schweiz 395 €
    3. Japan 355 €
    4. Norwegen 347 €
    5. Österreich 259 €
    6. Dänemark 258 €
    7. Großbritannien 253 €
    8. Schweden 251 €
    9. Irland 233 €
    10. Deutschland 231 €
    11. Niederlande 218 €
    12. Finnland 212 €
    13. Luxemburg 184 €
    14. Belgien 184 €
    15. Italien 155 €
    16. Spanien 151 €
    17. Frankreich 148 €
    18. Portugal 64 €
    So if you realy wont to earn much money. Don’t do it in Portugal :)
  12. Anthony Cea Says:
    Markus, can you write more on the affiliate links issue and what can be done to insure your links are not lost to hackers using spyware and so on, sort of a tutorial for us?
  13. Nick Says:
    Congrats on your new blog & btb great post markus…the thing with promoting CPA programs with PPC is one has to constantly ahead of the crowd and find that killer offer and promote it 3-4 months before everybody and their mom jumps in…
  14. Medini Says:
    Mark, I just read about you and also saw your Alexa ranking ! Whoa pretty impressive. It gives “little fish” like me to wander in the big sea of google adsense. Hey good luck with all your enterprises. Have a great year !
  15. Marc Says:
    Unfortunately making a million with google isnt as easy, otherwise i have to be a mult-millionaire ;-)
  16. Sam Says:
    It´s not easy to become a millionaire ;-)
  17. Mario Says:
    Sometimes it´s easier to become an idiot….
  18. Webkatalog Says:
    Well, it’s easy (to earn about 1k $ a month) when you invest a lot of time. Though, I have doubts if this is worth the time…
  19. Artikelverzeichnis Says:
    Hm… it’s not really that easy. However, you may get $100 a day quickly but you won’t get rich with this amount.
    regards, Jonas
  20. Ron Wilson Says:
    Nice article. Something to shoot for. I have recently joined the eBay affiliate program and I am generating cash!
  21. phpld Says:
    It´s not easy to become a millionaire
  22. Baza Says:
    Unfortunately making a million with google isnt as easy, otherwise i have to be a mult-millionaire greetings
  23. CableGuy Says:
    If it’s so easy, why are we still going to work?
  24. HE 77 Says:
    I get 100 EUR/month together …… not good :-(
    Someone has tips
  25. summer Says:
    250$ / month ;-)
  26. Geoff Dodd Says:
    Markus, please advise as to the necessity of cloaking / redirecting affiliate links so as not to be robbed of commissions or bypassed by consumers.
  27. itsme Says:
    anyone know if commission junction have ring tone offers?
  28. Maze Says:
    I’ve found another adsense project. There you can search videos of celebritie. Nice
  29. kdi Says:
    they make a hype just to bring lots of ppl to their site. they r making money from this hype too. it’s not that easy as this high earning jerks say so.
  30. Find Any Email Address Everywhere Worldwide ! Says:
    Find Any Email Address Everywhere Worldwide !
    Find Any Email Address Everywhere Worldwide !
  31. Find Any Email Address Worldwide ! Says:
    Find Any Email Address Worldwide !
    Find Any Email Address Worldwide !
  32. iSupplier Says:
    Setting up an affiliate site sounds easy and in fact can be however the key to making any money off it is to drive traffic to your website. This is NOT an easy task and if you think as a start up you can do this by paying Google adwords think again. Often the amount you pay Google far outweighs the money you make off the affiliates.
    If you have deep pockets and are willing to spend thousands of dollars, and I do mean THOUSANDS, then go for it.
    I’m trying it the hard way, without Google adwords, I’ll let you know how it goes. You can check out my site at http://isuppliernetwork.com
    and my affiliate page athttp://www.isuppliernetwork.com/content/Affiliates.html
    If only life were that easy and you could get rich quick!!
  33. wer Says:
    I’m making big money here http://www.mylapcomp.com
  34. Мониторинг Интернета Says:
    Я вот пока ничего не заработал !!! (((
  35. Ast Says:
    Yes, you are right.
  36. Alex Eva Says:
    Markus Hi! You are from Russia. Your words are similar to words Russian.
  37. AIR-O-SWISS Says:
    Yes, you are right.
  38. Auto suchen Says:
    Hello, very interesting.
    But i didn’t wont say it is easy! You must spent a lot of time in youre site. ;)
  39. SADtg Says:
    The problem of this kind of articles (how-to-make-a-billions) is a niche. Once information is published, the niche is exhausted by hundreds of players. Do not follow instructions! Just think about it and work, and you’ll get the perfect results.
  40. Mero Hoshos Says:
    Great
    I hope the u can increase it next month :)
  41. WjCeOuon Says:
    cheapest phentermine
    cheapest phentermine
  42. Brian Says:
    Hey Marcus,
    Could you explain more in detail how your algorithm on finding prime numbers helps your site run more efficiently?
    Congrats by the way!
  43. craig Says:
    so is millions a month true cuz i aint got nothin else to do but make somethin happen
  44. Making a Living Online: Bloggers Who Make Money. Says:
    [...] Says Markus Frind, CEO of plentyoffish.com: Any Idiot Can Make Millions Off Google. [...]
  45. Money » Comment on Any Idiot Can Make millions off Google. by Making a … Says:
    [...] DALE JACKSON wrote an interesting post today onHere’s a quick excerpt [...]
  46. Money » Comment on Any Idiot Can Make millions off Google. by Money … Says:
    [...] unknown wrote an interesting post today onHere’s a quick excerpt [...]
  47. Comment on Any Idiot Can Make millions off Google. by Making a … Says:
    [...] Jim Karter wrote an interesting post today onHere’s a quick excerptSays Markus Frind, CEO of plentyoffish.com: Any Idiot Can Make Millions Off Google. […] [...]
  48. NRW Says:
    I can´t believe such stories! In my mind it is inpossible without knowledge….
  49. Steve Says:
    hi
    i was wondering is it smart to go and pay specialist to create your website
    or not
    because i’am thinking they might want to steal my idea or they won’t
    cause i have many good idea but don’t no how to start
    please let me know how
    Thanks
  50. morris Says:
    please call me
  51. Hari NPNK Says:
    Please let me have tha details.
    Hari
  52. sabrina giblin Says:
    Im interested – what do I need to get involved?
  53. Chris Says:
    Can someone pls tell me the whole idea of this “Any Idiot can make millions off google” thing.
  54. Wickus Says:
    Please assist with more info
  55. Idiot Says:
    I’m an Idiot how come I have’nt made any money off google ?
  56. zeus Says:
    well how do i start, can some one please tell me
  57. james Says:
    only idiots with big D**** can make millions on the internet. get your facts straight homie.
  58. alex Says:
    If this site says any idiot can make millions off google then i guess u need to visit this site http://www.besthealthprograms4u.com and see how fools make trillions off ebay,yahoo and google put together…… Just view the site and see what i am talking about……..
  59. alex Says:
    I guess i know a site that offers much more than this from google, yahoo and ebay put together……..
    view this site http://www.besthealthprograms4u.com and make sure to place a comment on the contact us page and sign the guest book as well….
  60. Make Money online India Says:
    Great post. I am now trying to make some money from affiliate programs
  61. luis Says:
    i was wondering hwat is the best paying ad or th best type to make money from.
  62. anita Says:
    i am 50 year old woman. i do not have a job. i am not getting a job. i had a car accident last year. my hand dos not look ok. please let me know how i can make money/\. i tried so many programas ,does not work.
    anita
  63. etechtour Says:
    Surprising achievements.congrats…:)
  64. cao thanh long bui Says:
    i want to have a lot of moneys.
  65. cao thanh long bui Says:
    give me much moneys as you have been doing this.
  66. Toto Says:
    As a user of Adsense since the beginning, and a administrator of a very high traffic site that uses it, I can honestly say all the get rich claims and ads you’re seeing are complete and utter garbage/spam/solicitation/deceit.
    I’ve used both PPC and PPI over the years on sites with higher hit rates than any of these people have access to; with the best SEO there is, and a big hitter is lucky to get $1,200 off PPI a month, and $500 off PPC.
    These claims are spams wanting to sale the old ‘secret to success’ manual. a site with around a thousand hits a month is lucky to get $50 in a month off PPI and even less off PPC.
    Even a botnet is lucky to make $20k in a month..
    !!Once again these claims are all misleading solicitations!!
  67. emily roselle Says:
    if you wanna get paid to complete offers, check outhttp://www.coinpart.com
  68. Andre Says:
    what is the best and most efficent way to make money from my web site????? and its about music..!!
  69. Pete Mendez Says:
    I have been online doing business for almost nine years and
    I believe that there are people today making millions but
    certainly not all advertisements are true.
    Making money in this days it is not easy due the economic market
    contraction.
    There is no mathematical formula to make millions online. But
    maybe with a little of creativity as 5% and 99% of hard work
    you can get a good check every week.
    Scams are all around as Safepay solutions a card processing
    who still my money for over US$500.00 and many more of
    those pyramid concept.
    So start today with an idea and look for a market niche
    and keep working and then you will get results. Do not forget
    that one of the key for business it is traffic, but the good one
    Pete
  70. alexander Says:
    Получи нужную информацию
    И преобрети стабильный доход
    Без беготни и распространения гербалайф или виагры.
    В Канаде уже настоящий бум заработка в этой системе.
    Наступила и Ваша очередь !
    Для информации посетите
  71. alexander Says:
    inetglobal.v-teme.com
  72. alex sapphire Says:
    well if becoming a millionaire was easy then every one would be i guess, Interent is a very powerful tool, use it the right way and you might land on millions.
  73. Charissa Cooper Says:
    I usually don’t ordinarily post on many Blogs, still I just has to say thank you… keep up the amazing work. Ok regrettably its time to get to school.
  74. Carroll Merriweather Says:
    Has anyone seen the new way to make money with youtube? They make 200 videos for you, and guarentee you at least 20,000 views for your business. Check it out: http://budurl.com/feps
  75. Kevin Says:
    I don’t understand any of this…..someone help me.
  76. Elizabeth Tombrello Says:
    Let me begin by saying I have longtime reader, first time commenter. I figured I might as well say thanks for posting this piece (and all your others), and I’ll be back!
  77. Brittney Says:
    What do i gotta do to get into this. I have nothing I mean absolutely nothing but….. myself and my brain. So whats this all about in english please this all looks like a bunch of jibberish
  78. yeahart Says:
    I think http://www.usadapter.com is a good site to buy laptop power supply, laptop ac adapter
  79. firmalar Says:
    Let me begin by saying I have longtime reader, first time commenter. I figured I might as well say thanks for posting this piece (and all your others), and I’ll be back!
  80. max Says:
    Неплохая информация!
    Надо будет попробовать сделать так же.
    А пока зарабатываю так http://a3dent.kiev.ua/
    Зуботехническая лаборатория
    Всем удачи!
  81. Dato Says:
    Совсем не плохо. Вот англонет, это не наш дурдом – рунет
  82. Johnson Says:
    Nice post,
    Stumbled upon your blog while searching on google. Many people want to make money online and many few have taken advantage of this wanna-make-millions crowd.
    My poor-no-action attitude changed for the better when i read how to make $500 a day online as a designer at
    http:ww w.3dcoreldraw.50webs.com
    I hope this helps someone as it has helped me.
    Simple, yet powerful.
    “Everything popular is wrong” – OSCAR WILDE
    John
  83. Johnson Says:
    Nice post,
    Stumbled upon your blog while searching on google. Many people want to make money online and many few have taken advantage of this wanna-make-millions crowd.
    My poor-no-action attitude changed for the better when i read how to make $500 a day online as a designer at
    http://www.3dcoreldraw.50webs.com
    I hope this helps someone as it has helped me.
    Simple, yet powerful.
    “Everything popular is wrong” – OSCAR WILDE
    John
  84. neha dhyani Says:
    this is very nice information for me
  85. Bob Says:
    go away. no one likes you. your an epic failure.
  86. danna Says:
    hello
  87. Mary Says:
    Call me at 602-568-3711 if you want money making ideas,ask for Mary.
  88. GADEL Says:
    Thanks for this info.
  89. JIM Says:
    HOW DO I GET STARTED
  90. عقار Says:
    Hey man ,
    Thanks alot .. PPC is one of the best ways to earn money online , but in the other hand you should know what you are doing or u’ll loose a lot of money
    :)