A personal finance and investing blog
The latest Carnival of Personal Finance has been posted at the Fraud Files blog. The 185th week of the Carnival is the Cheesehead Edition, coming from Milwaukee, Wisconsin. Here are this week’s Editor’s Picks:
Should I Hire an Accountant to do My Tax Returns?
Don’t be Taken by Debt Consolidation or Credit Counseling Scams
Yuppie Guilt and how to deal with it delicately
Lottery Tickets – Our route to Wealth?
Discount Shopping is not always perfect
Unnecessary waste of food, like letting the food sit in your home for a long time and letting it expire, becomes a waste of money. Poorly run equipment wastes more electricity and tends to fail more early. Crowded and dusty homes have a negative impact on your energy level and lifestyle which then affects your financial life. In recession times, especially, we want to make the most use of all the things we own. We want to keep spending to a minimum and preservation of cash to a maximum. By keeping an up-to-date inventory of what we own, it gives you a good idea of what you can keep and what you can throw away.
The end of the year is a good time to do an annual inventory check for all the important things in your home. The purpose of this annual check is to make sure everything in your home is in tip-top shape, from having edible food in your fridge to fresh batteries in lifesaving devices to clean bathrooms. (more…)
Being a landlord can be fun but it can also be tough. Since the purchased of my first rental property in 2005, I have dealt with tenants who pay on time and tenants who didn’t pay, and problems that were big and small. There were small problems as simple as changing a door knob and big problems as grand as breaking down a wall in the bathroom to replace a pipe. Dealing with each problem makes me learn more about how to become a better landlord and allows me to gain knowledge and experience. Today, I am not the same landlord as I was when I first purchased the property, but I still have a lot to learn. Here are 10 lessons that I have learned. (more…)
I bought a bottle of Pepsi and it has a Pepsi Stuff code. I am not going to use the code, so please feel free to claim it and reply in the comments section after you have claimed the code. I will post more codes when I buy more Pepsi products.
12/24/2008
Pepsi Stuff code
R7WARVXA7J
1/4/2009
P3SVNK36IC
The 184th Edition of the Carnival of Personal Finance has been published at:
http://www.savingtoinvest.com/2008/12/massive-carnival-of-personal-finance.html
The Carnival of Personal Finance has made its way down under for the 184th and latest edition, posted by Andy at Saving to Invest. Almost 80 articles were selected for this edition. Here are the best in the group, according to Andy:
125 More People Personal Finance Junkies Should Follow on Twitter
My 3 rules on receiving cash gifts! (Hint: re-gifting’s a no-no)
What if Saving Was Stupid?
Christian Owner
42 Ways I’m going to make my 2009 Awesome
Saving Money: an Important Lesson for Children
A Mother’s Struggle Between Work And Kids
Be Careful Which Gift Cards You Buy!
I have a $40 Sharper Image gift card. Sharper Image is closing down all stores. What should I do with the gift card now?
[ad#square]6 (relatively painless) ways to save money this holiday season
Monogamoney shares some tips for us to save money during this holiday season. I like tip #1, read about how other people are saving money. It helps a lot when you see how others save money, because you can do the same thing. My general advice would be to make good use of what you already have at home and avoid spending unnecessary money. Share food, car pool or watch in-house movies are some good ideas to save money.
Give gifts that deliver good value
Mighty Bargain Hunter recommends to give gifts that brings good value. I like to give and receive gifts that are meaningful, useful or worth keeping, like bonds certificates.
Get an Absolutely Free Copy of Your Credit Report from All 3 Credit Bureaus at annualcreditreport.com
RC presents the way to get 3 free credit reports. I had gotten one recently. Give it a try, it’s good to keep up to date with your credit history.
How to Take a Loss on an IRA
My Dollar Plan shows how to deduct a loss on an IRA on your tax return. There are certain requirements you have to meet before you can do this.
Ever wonder how much money do the popular people on YouTube make? I do too. I want to know if it is possible to make a living off video blogging on YouTube.
YouTube has a traffic rank of #3 on Alexa (as of writing) with over 100 million video views per day. It is without a doubt that YouTube is the largest user-published video network out there. With that many traffic, it is only logical for people to think about making money from publishing videos.
YouTube allows users to reach audiences not only in their country but in all countries around the world. It allows you or anyone to make and publish music, movies, comedy sketches, etc. The opportunities are abundant and the possibilities are endless.
Traditionally, if you want to produce music, you would need to find a record company to sign you up. Today, with YouTube, you can cut off the middle-person. Simply create an account on YouTube and upload your music videos to the largest user-published video network and reach millions of people. The same story goes for movie makers, comedians, dancers, etc.
Many people have taken advantage of this opportunity on YouTube. Some of the famous people are LisaNova, Kevjumba, Miaarose, theresident, Happyslip, Amber Lee Ettinger (Obama Girl), SupaDupaFlyGirl, lonelygirl15 (Jessica Rose), and many more. These people are very popular on YouTube and produce new content on a regular basis. So how much do they make? Well, since they don’t publish their earnings, I can only guess.
To figure out how much each person makes or is worth, I will use the the subscribers and channel views as indicators to calculate their earnings power and multiple the number of subscribers and channel views by a factor of 5 cents and 1 cent, respectively. Here is the hypothetical formula:
Annual Earnings Power = (# of Subscribers x $0.05) + (# of Channel Views x $.01)
LisaNova
Subscribers: 148,989
Channel Views: 9,367,879
Lisa Nova is famous for making comedy sketches and parodies. She is one of the first YouTube celebrities that I have clicked to subscribe. I remember that she started off with only a handful of videos. Now she has published over 100 videos and the list is growing! I would think that with her large audience base, she would be making the big bucks. However, that does not seem to be the case. In her recently published video, “LisaNova’s Non-Corporately Sponsored Holiday Contest!!!,” she mentions that although some YouTubers are making tons of money, she is not one of them. She is an independent entity as the title of her recent video suggests, and she supports people to make independent videos.
Annual Earnings Power = (148,989 Subscribers x $0.05) + (9,367,879 Channel Views x $.01)
LisaNova’s Annual Earnings Power = $101,128
Kevjumba
Subscribers: 371,106
Channel Views: 12,001,138
Kevin aka Kevjumba is famous for talking about his life as an Asian American and the stereotypes that he has to deal with. One of the famous videos he posted is a stare contest against Jessica Alba (to which she responded). Kevjumba’s channel is ranked #3 for the most subscribed channels of all times in the world.
Annual Earnings Power = (371,106 Subscribers x $0.05) + (12,001,138 Channel Views x $.01)
Kevjumba’s Annual Earnings Power = $138,567
miaarose
Style: Singer-Songwriter
Joined: December 29, 2006
Last Sign In: 8 hours ago
Videos Watched: 2,321
Subscribers: 163,904
Channel Views: 11,146,877
Miaarose is a singer and a song writer. She writes her own lyrics and publishes her music on YouTube. When I first saw her on YouTube, she only had a few videos. Now she has published 33 videos on YouTube.
Annual Earnings Power = (163,904 Subscribers x $0.05) + (11,146,877 Channel Views x $.01)
Miaarose’s Annual Earnings Power = $119,664
theresident
Beat: Current Events
Subscribers: 18,170
Channel Views: 749,185
Lori aka The Resident makes videos based on current events. Many of the recent videos relate to the presidential election and the economy. She goes out on the streets and interviews people to get their opinions as well.
Annual Earnings Power = (18,170 Subscribers x $0.05) + (749,185 Channel Views x $.01)
Theresident Annual Earnings Power = $8,400 (seems a little low)
HappySlip
Style: Comedy
Subscribers: 248,219
Channel Views: 8,358,814
Christine aka HappySlip is known for making comedy videos. In her videos she also takes on multiple roles, playing not only as herself, but also as the mom, dad, uncle, aunt, friend, etc. This versatility in acting reminds me of actors like John Leguizamo and Mike Myers.
Annual Earnings Power = (248,219 Subscribers x $0.05) + (8,358,814 Channel Views x $.01)
HappySlip’s Annual Earnings Power = $95,999
barelypolitical
Subscribers: 98,584
Channel Views: 5,016,618
Amber Lee Ettinger aka Obama Girl is famous for her video titled, “I Got a Crush…On Obama,” which has more than 12 million hits. She also makes other videos related to politics.
Annual Earnings Power = (98,584 Subscribers x $0.05) + (5,016,618 Channel Views x $.01)
Barelypolitical’s Annual Earnings Power = $55,095
Having traffic is the key to making money in YouTube. The more people viewing your videos, the more opportunities you will have to monetize on them. As you can see, the YouTube celebrities usually have high volume views in their channels.
The hypothetical formula is only a guess. It does not reflect the actual earnings of the YouTube people. Most people on YouTube do not discuss or comment on their earnings.
Do you publish videos and make money on YouTube? What type of videos and how much do you earn?
Note: The subscribers and channel views are recorded as of 12/21/2008.
First of all, this was all a dream.
I checked some of my stock tickers on Yahoo! Finance and I noticed that most of the stocks had gone up 100%. XLF and all the major indexes had gone up a tremendous amount. My portfolio must have increased 50%.
I check the front page of Yahoo! Finance and the Dow Jones had hit the 10,000 mark again. The news was that the government had launched a huge stimulus package of at least a trillion dollars.
of course this was all only a dream. I checked the Dow index this morning and it was sitting at 8,579.11.
Dow 8,604.99 -219.35 -2.49%
Nasdaq 1,552.37 -26.94 -1.71%
S&P 500 885.28 -19.14 -2.12%
It looks like Dow hit some really hard resistance. The market seems to have change direction and is heading back down again. Stocks finish lower amid lingering economic fears.
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