20 TRUE WAYS to SAVE & MAKE extra MONEY every day!EBOOK

• Want to make extra income?

• Looking for TRUE ways to save and make money that really work?

• Are you a Stay at Home Mom?
• Laid off?
• Student?
• Underpaid Employee?

• Would you like to wake up everyday, and see how much money you've made while you were sleeping? I do, and I'm actually excited to wake up every morning! The best thing about it is that the money continues to grow with little or no work from me after the income stream is set up.







Would you like to watch your money grow?
It's not hard to do this. You just need to know what works and where to look.

My name is Grant. I'm just a regular guy that made a decision not to spend the rest of my life in a cubicle. I don't pretend to be a guru, or someone who is making a million dollars a day, but I am making a nice profit from passive income every single day.

How did I start making passive income?
I basically did trial and error searching for ways to make and save money. Not surprisingly, I found out that there's a lot of garbage out there that doesn't work. I also found some ways that are honest and really do work. I've put them together in this ebook. These are legitimate ways to save and make extra money passively everyday.













Why is this ebook helpful?
If someone tells you that you can make money doing something, what questions do you immediately ask?

Three questions that pop in my head are:
1. What do I have to do?
2. How much can I make?
3. How do I do it?

It's simple.
But most ebooks present an idea and give you some vague ideas about the topic, but don't really tell you what you need to know. This ebook tells you exactly what to do, how much you can actually make, and the step-by-step way to do it.

What will you learn in this ebook?

• How to Remove unnecessary items from your Mortgage
  and save $100 a month
  
• How to Reduce Homeowner's Insurance
  by $50 a month
• How to Automate your Bills
  so you never have to open a bill again and save $15 a month
• How to Pay off your Mortgage 6 years sooner
  and pay $40,000 less than expected
• How to Earn a Discount on Every Purchase you make
  (My average savings is $27.50 a month)
• How to Reduce your Credit Card Bills
  by 10% or more
• How to Save $25 a month on Gas
• How to Recharge your Batteries
  and save over $100 a year
• How to Reduce Electricity Costs
  by $14 a month in minutes
• How to Save over $800 a year on Heating and Cooling your Home
  with simple steps
  
• How to Write about what you Know
  & get paid every month for the same article (I earn $300/month)
  
• How to Earn Extra Income from your Writings, Videos, Audio, etc.
  & get paid per click
• How to Sell Products with your Designs
  (100% profit, no inventory, no $ investment needed)
• How to Earn 18-25% Interest Guaranteed
  (While your bank only pays 2%!)
• How to Make additional Automatic Money from your Blog or Website
  (generate income everyday)
• How to Get Paid for the Photos on your Computer
  (submit 1 pic each day for a year & you could earn $155 for every month that follows)
• How to Save & Earn by Transferring Money
  (Learn how to save over $100 on a $1,000 transfer)
• How to Earn Money from your Mortgage Escrow
  (Learn how I will make $2,000+ over the life of my mortgage)
• How to Start an Automatic Investment Account
  (Learn how to make $10 a month from doing what you normally do)
• How to Start your Own High Profit Blog or Website
  (One guy in his 20’s, no prior experience, rakes in $12,000 a month)
• Plus...
  

20 True Ways to SAVE & MAKE extra MONEY every day also includes:

• A Step-by-Step Guide
  Follow the simple method outlined in this eBook to build your own passive income streams.
• Income Proof
  Screenshots and detailed summaries of earnings.
• Resources
  Links to online tools and sites that will help you save and earn money right away.
• Custom made Calculators and Charts
  To tell you exactly how much money you can expect to earn and save according to your personal situation and desires.
  
• Additional Tips
  At the end of the chapters provide little known hints and advice to ensure that you earn and save the most possible, and help you to stay on track.
  

I fully believe in this product and I am happy to put my name on it. I have worked hard to complete this ebook and can attest that these ideas do work because I've done them myself. These ideas have worked for me and they can easily work for you as well. I assure you that I'm not selling just another ebook to make a profit. I actually would like to see you succeed. I truly believe that you will find these methods beneficial. If you don't, I will gladly refund your purchase.

Your satisfaction is guaranteed. I have not had a single request for a refund yet. If you try my method for 30 days and don't see results, I'll refund your purchase! You have nothing to lose.

Listen to what others have said:
-------------------------------------
"Very detailed ebook. Told me exactly what I had to do to make money and how much I could make. I've only tried one idea so far, and already made back the money I spent on your ebook plus more.

Thanks Grant!"
Andy Reece
St. Louis, MO
-------------------------------------
"I have never read something so completed as how to earn your money and how to keep more of them for yourself!
Great book Grant!"

Dimo
Fort Myers, Fl
-------------------------------------
"A very detailed and thoughtful ebook that anyone, especially today, can find very useful! Bravo!"

-Pat Flynn
Smart Passive Income
-------------------------------------


Ask yourself this question?
What if you could do a small amount of work today and continue to get paid for it everyday, every month, every year that follows?

Would you do it?
I did, and I'd do it all over again.
Start Saving and Making extra Money today!

$20
Money Back Guarantee. Try it for 30 days. If you don't start making and saving money, I will refund your money and you can still keep the ebook.

How to make a $25 referral fee by signing up for Bank of America free checking

Bank of America will pay you a $25 referral fee when you sign up for a Bank of America free checking account.

Get your $25 referral fee HERE.

Bank of America will ask you what your state is. Just enter your state, and you will be taken to another web page.

On this page, you can select which type of checking account you would like to open. They offer two free checking accounts. One is for adults and one is for students. MyAccess Checking® is the free checking account for adults. CampusEdge® Checking is the free checking account for students. Both of these are great choices if you want a free checking account with no minimum balance required. It's free to sign up for these accounts, and you can receive $25 from Bank of America when you sign up. Now you just have to think of what you'd like to spend the $25 referral fee on?

Tips and Warnings:

• Be aware that if you sign up for the Bank of America Advantage® Checking account, it is not totally free. You must maintain a $5,000 average daily balance, otherwise you have to pay a $20 monthly maintenance fee.
  
  
• If you just want the free checking account and the free $25 referral fee, sign up for one of the free checking accounts like: MyAccess Checking® or CampusEdge® Checking.

Do you know of any other referral fees available? Please share them below.

INVESTING lien tax

INVESTING Lien Tax Properties
What are government tax lien certificates or tax deeds? What’s in it for me? How about high returns on your money of 18-20%, sometimes 25%...which are guaranteed by the government! Tax certificates result from properties that the owner has not paid the taxes on. Therefore, the government puts a lien on the property and lets you pay their taxes for them. You receive your money when the owner pays back the taxes. If the owner doesn’t pay the back taxes, you could receive a nice 3 bedroom, 2 bath home for $5,000!

How do I find Available Tax Certificates?
First you need to find your county’s property tax website or contact information. To do this, go to Google.com and type in your county and state + “property tax collector”, “property treasurer” or “property taxes”. Once you locate your county’s property tax office, look on their website, email or phone them and find out where you can find a list of their “delinquent tax properties.” (Sometimes it will be on their website, or in a local newspaper). Also ask when their tax sale is held and for a copy of the rules of their tax sale. (Keep in mind that different counties and states call the tax sale by different names such as: tax deed sales, government tax lien certificate sales, lien tax properties, and tax levy sale...but they’re all the same thing.)

Which Tax Certificates Should I Buy?
Once you have found a list of the properties available, you should find out which real estate properties are valuable for you to bid on at the tax deed sale and which ones you should cross off the list. To do this, visit your county’s property appraiser website and search the public records for each property listed in areas that you desire. Most counties have this info online. If your county doesn’t, then you must go to your county property appraiser’s office to look at hard copies of the delinquent property records. Overall, the best properties you should focus on are the ones with the lowest risk and easiest potential to sell in case you end up owning the property. You should avoid vacant land as a beginner because this is the riskiest. Single family homes in decent to good neighborhoods are a safe bet and should be your focus. Begin to narrow down your list to properties you are interested in according to area, recent sales history, and estimated home value.

To find the estimated home value of a property look on your county’s property appraiser records website or do a search here: Find Estimated Home Value

Evaluate the Lien Tax Property.
Take your list of the best properties and go visit them in person. Get a feel for the neighborhood, the outside of the home, take pictures and notes. I can’t stress this enough. It is critical that you visit the property. I have done research on properties that looked like gold mines on paper, but when I actually saw the home in its current condition, I found that a car had wrecked into it and took out the brick wall side of the home! Believe me, you will thank yourself for spending the extra time to visit the property. Once you get a few tax lien certificates or tax deed sales under your belt, you will be able to quickly analyze and pick the best properties.

Decide Before You Bid.
Before you go to the government tax lien certificate sale or tax deed sales, you should already know what properties you want to bid on, and what your maximum bid will be. (As a general rule of thumb, you should always keep your max bid to at least 60% or less than estimated market value of the home to leave room for profit and unexpected repair costs, etc.) If you win the bid for a tax certificate or tax deed and the delinquent owner pays his taxes, you can expect a nice return on your money sometimes 20% or more! If the owner doesn’t pay his taxes, you could find yourself becoming the owner of a new piece of real estate that you got at a bargain price...thanks to your effort and research. Either way, if you do it right, it could be a win-win outcome for you and an exciting project. Investing in tax certificates can be much safer than investing in stocks, and provide a much greater return on your investment than a bank savings account.

Step-by-Step
Investing in real estate tax lien certificates and tax deeds can be very profitable and fun. It does involve research of properties to minimize risk. I have given you a brief overview of the process but once you decide to invest in tax certificates, you will need to learn about the details and rules of buying tax certificates in your state and county. If you really want a detailed step-by-step guide on investing in tax lien certificates, I can personally recommend a down-to-earth guide written by an experienced tax certificate investor named Larry Loftis. His book is titled:
Profit by Investing in Real Estate Tax Liens: Earn Safe, Secured, and Fixed Returns Every Time

This book has everything you need to know about how to get started, without all of the fluff and empty promises that some other books and websites say about tax certificates. Mr. Loftis made the seemingly complex process of buying tax certificates simple by breaking down the process into small steps. You don’t need to buy some elaborate course or collection of books. This is the only material you will need to get started.

Grant’s Tip:
Here is an estimate of the interest you can earn by investing in tax lien certificates according to these states:
Arkansas - 16%
California - 18%
Connecticut - 18%
Florida - 18%
Georgia - 20%
Iowa - 24%
Louisiana - 12%
New Hampshire - 18%
Rhode Island - 18%
Texas - 25%

If you've enjoyed this article,
I believe you will also enjoy my ebook. It is filled with information just like this on how to make money and save money.

Do you have any stories or questions you'd like to share about lien tax properties or tax deed auctions? Please post them below.

How to Start Making Passive Income

Make Money While You Sleep
Start to make passive income the right way and quickly. Passive income can put extra money into your pocket and bank account while you sleep with little or no work from you.

What is Passive Income?

Many people are confused about what passive income is. Passive income is making money with little or no effort other than your initial effort and watching as your income grows while you sleep.

Passive Income vs. Traditional Employment Income
The main difference between passive income and traditional employment income is this: If you stop working, does your income stop? If it does, it’s not passive. On the other hand, if you have some income source that continues to make you money while you sleep, when you’re on vacation, or after you stop working, then that is passive income, and in my mind, it is the best kind of income.

More Passive Income = More Free Time

Passive income frees up your time so that you can spend it on the people and things that are the most meaningful in your life. The fastest way to reach your financial and life goals of establishing wealth is to focus on ways to increase your passive income and passive savings every month. The great thing about passive income and passive savings is that once you set up the initial system, it will continue to earn and save you money for as long as the system is in place. It becomes a long-term way to earn and save money and requires little or no more effort from you other than the initial work to set up the system. If done correctly, these ideas and savings can help provide financial stability for you and your family to live off of for the rest of your life.

Do You Have the Desire?

You must have the desire to begin earning passive income. If you have the desire to stop working for a boss or someone who tells you when you're coming and going. If you don't like to be told to work on Saturdays or nights while you miss your child's game or recital. If you just want to stop wasting your time in a cubicle and would like to spend your time doing things that really have purpose in your life, then making passive income could be a great solution for you. What's your purpose?

Double Your Chances of Success

You must do some initial research work upfront to find ways to make money passively. You should also look for ways to automatically save money at the same time. By looking for ways to save and make money, you will be doubling your chances of building wealth and financial security.

Forget Ready, Set... Ready, Set....Just Go For It!

Once you find an opportunity that seems promising, you need to jump at it and give it a shot. Use the "Fire, aim, ready" method instead of the "Ready, aim, fire" method. What I mean is try it first, don't worry about finding the perfect opportunity or wasting too much time on figuring out the system. If you do that, you will spend too much time researching ideas and very little time finding and actually making money from systems. If you find an opportunity to save or make money and it seems honest and like it has a good potential, give it a shot. If you try and it produces nothing, you move onto the next idea. If it produces any income or savings at all, then it is worth exploring further. Even if it only makes you 1 cent. It is still passive income. It might make you 1 cent every day for the rest of your life with no more work that the initial set up. Would 1 cent every day be worth it to you? If a person lives 60 years making one cent a day, that would be $219. Not much, but if you only spent one hour setting up the system, that would be 219 dollars an hour! It's a pretty good wage, don't you say? Imagine if you could set up 10 of the same kind of passive income streams? you would make 10 cents every day. Or 100 of the same passive income streams for $1.00 every day. Anyways, you get the picture. If you can make 1 cent from an idea, then you can make $1 from the same idea or $10, etc.

Multiple Streams of Income are Better and Safer than One

Focus on the best ideas that you find that produce the most passive savings and earnings. However, do not focus all of your income or savings from one source. That wouldn't be very profitable if all of your eggs were in one basket and and your basket got dropped. You would loose all of your passive income streams all at once. So it is wise to diversify after you begin making passive income and savings from one source. Find multiple streams of income.

Live Your Dream, Not Your Boss's!

Get Motivated and begin searching for honest and real ways to being making passive income and savings. Soon you may find yourself as your own boss. Giving yourself the day off of work to spend time with your family. Go on that adventure you always dreamed of, or do something great and meaningful for someone else.

What is Your Dream? What is Your Goal?
Write it down and post it here for others to see. "Written goals have a way of transforming wishes into wants; cant's into cans; dreams into plans; and plans into reality. Don't just think it - ink it!" - Author Unknown

Do You Have Ideas to Save Money? Do You Have Ideas to Make Money? Share them here:

Give an idea, take an idea.
A great way to learn is to share your experiences with others. Post and share your ideas about making and saving money here.

12 REAL RICHES in Life (12 of 12)

REAL RICHES #12Financial Security
It seems ironic that the last and least of the “12 Real Riches in Life” is financial security. We often directly associate riches with money more than anything else. That is often a problem of why it is so difficult for many people to achieve real riches in life. They think money, and money alone will bring happiness, success, and riches. They are actually working backwards. They have their shoes on, but haven’t put on their pants. If you build your riches by first working on the fundamentals of your life such as: your attitude, health, relationships, understanding, etc., you are building a solid foundation for your success and happiness. It is a much more balanced and wholesome way to get the most out of life, and by going this route, you will naturally attract opportunities into your life that bring you success and happiness. It will not be forced, it will come smoothly and naturally.

Don't Force It
On the contrary, if you focus all of your energy on making money and try to force it, riches will be much more difficult to attract. You will be constantly fighting yourself and if you do succeed in making money as your riches, but fail to achieve any of the other 11 riches, you will find that your life is very empty, without purpose. Your life will not have a solid foundation. It will be more like a house of cards that can easily come crashing down with the first gust of wind or minor set back. If you have built all of your 12 riches in life and face some situation that leaves you financially bankrupt, it is not such a big deal. You can easily get your finances back in line, and you have your other 11 riches in life to fall back on. However, when the person who only has financial security, with a bad attitude, no true friends, and poor health loses their money, they are left with nothing. Don’t find yourself in that same situation. Take your life one step at a time, one day at a time. Begin today, and do it the right way. Your life is worth it, and you will thank yourself for the rest of your life. Today is a reflection of your entire life. Why not make today the proudest day of your life?

Start with Today...Make it Simple
Today, I will give something to a stranger without expecting anything in return.
What is something you will do to make today the proudest day of your life? Share your ideas with others.

12 REAL RICHES in Life (11 of 12)

REAL RICHES #11:Wisdom with which to Understand People
Have you heard of someone who is a ‘people person,’…someone who is great at dealing with and understanding people. Those types of people are natural leaders. People flock to them and rally to support them. If you can condition yourself to listen and understand people, you can become a great leader. You can connect with large groups of people who can multiply your efforts and help you grow personally and in your business life. Try to always put yourself into other peoples’ shoes. Understand the situation from their point of view. While growing up, I always viewed other countries people, culture, and news from my country’s point of view. I made uneducated assumptions about other cultures. It wasn’t until I had the chance to begin traveling during my university years that I began to really understand other people from their perspective. I began to understand that there is much more out there than my small town train of thought. The world is vast and offers a variety of people, customs, and culture. Until you begin to see situations from other people’s point of view, you don’t really understand the situation and you cannot truly help. Every problem or situation affects individuals differently. Your challenge should be to find out how a situation is affecting the person you are communicating with and build your solution from their point of view.

Can Walmart Fail?
Walmart has become known in America as a very successful business system. It seems like it is impossible for this store to fail. Why do people shop there? Why are they successful? Plain and simple, they understand the American people. Their generation of customers want value, convenience, and variety at an affordable price. Walmart delivers that all under one roof. The result is, they are successful. They understand the American people. However, take this same company and business system, and apply it to South Korea. It’s bound to succeed, all people are looking for the same benefits in a store…right? I’ve been to a Walmart store in Anyang, South Korea that offered the same great value, convenience, and variety at an affordable price to Koreans. The Walmart failed miserably and was taken over by a similar Korean “Walmart” named E-mart, that immediately became a big success. Why did Walmart fail if these businesses were very similar? Walmart did not understand its customers. Walmart did not understand the Korean people. To Americans, it may seem strange to have several male meat department workers with chef hats shouting at customers how delicious their steaks and ribs are. It may seem like a waste of money to have an employee at every aisle cooking foods and handing out samples. However, these are the things that the Korean people are familiar with and come to expect. It is proof that if you don’t understand people, you can’t truly provide a good service for them. Every time you speak with a co-worker, friend, or even a stranger, really listen to them and look at the situation from their shoes or sandals. That is the only way you can truly understand and help them.
See REAL RICHES #12