5 Best Ways To Transfer Money Online

5 Best Ways To Transfer

 Money Online 

Every year, billions of dollars are transferred to various countries – particularly in Africa, Asia, and Latin America – using remittance services. According to the United Nations, over 231 million people lived outside the country of their birth in 2013, and the World Bank reported that migrants from developing countries sent home $414 billion during the same year. This amount is expected to rise to $540 billion by 2016.

For many years, foreign workers that wanted to send funds back to their families had little choice but to resort to going to banks, post offices, or a limited number of remittance service providers located in physical office buildings. Today, there are numerous options available to anyone who wants to send money anywhere in the world, in person or online.

What are the world’s top money transfer service providers? Here are 12 of the most popular and up-and-coming online payment services, in no particular order:

PayPal

PayPal – mainly associated with providing payments for its parent company, eBay – was originally founded in 1998 as a provider of fund transfers for Palm Pilot users. Therefore, it seems logical that the company has branched out into the world of online remittance. PayPal makes it very easy to send money to someone using either the recipient’s email address or mobile phone number. It offers the ability to transfer funds to almost anyone in the world with competitive service fees.

Western Union

What originally began in 1851 as a telegraph company has become perhaps one of the best-known name brand names for money transfer. In addition to offering services over traditional service counters, Western Union also lets customers transfer funds by telephone, mobile phone, online banking, or through their website. Their mobile phone option allows transfers to mobile wallets to emerging markets, including Kenya’s M-Pesa.

Amazon Payments

Amazon, a well-known eCommerce company that started as an online bookstore, offers Amazon Payments to leverage its already large customer base and offer online and mobile payment services for online retailers. Its solution bears a strong resemblance to PayPal, as Amazon Payments also allows users to pay without having to re-enter payment and shipping information already stored by Amazon. Currently, Amazon Payments is only available in the US, the UK, India, and Germany.

MoneyGram

MoneyGram International’s history dates back to 1940, when it began with money order processing and electronic payments. MoneyGram is now the world’s second-largest money transfer company with over 347,000 agent locations in more than 200 countries. In Canada, MoneyGram has partnered with Canada Post to provide money transfer and bill payment services from Canadian postal outlets

Google Wallet

Google’s mobile payment solution, Google Wallet, allows users to send or request money via Gmail. Any money received and stored in the Google Wallet can be spent immediately or withdrawn from an ATM using the Google Wallet card. The funds can also be spent by using an Android phone to tap and pay at a participating store, spent online, transferred to the owner’s bank account or to someone else.

 Payoneer Prepaid MasterCard?

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The Elance Prepaid MasterCard is a debit card that has a prepaid limit and can be used in most places that MasterCard is accepted. Additionally, you are also able to withdraw funds from your available balance at any ATM that contains the MasterCard symbol.*  Payoneer Prepaid MasterCard allows you to have faster access to your cash, can cost less than other withdrawal types and offers protection to the cardholder against unauthorized charges.

How do I register for Payoneer Prepaid MasterCard?

All non-US Elance Freelancers can sign up for their own Payoneer Prepaid MasterCard. Sign up is available from the Financial Accounts option under the Managetab.

why do you recommend Payoneer?

Payoneer is a very secure and regulated provider of international payments (US regulated). The company is able to do bank transfers to more or less the whole world, and do to that we have integrated our systems with theirs and the volume we provide to them, we are able to get highly discounted rates on international bank transfers to our customers.

AirHelp do not charge any fees related to Payoneer transfers, since we will encourage all to use this effective, safe and cheap provider, if all information is correctly provided, and the money is not returned to us (or Payoneer) due to incomplete or wrong information provided.

The customer will be charged only potential FX cost. If the customer receives the money in the currency they have been sent from Airhelp, no FX cost will be imposed by Payoneer.

Another benefit by Payoneer is that in many countries, Payoneer is able to transfer the money as a local bank transfer and thereby in 99% of the cases reduce the fees imposed by your own bank to what is cost to receive a local transfer

• What is Google Wallet

             Google's digital wallet

Google Wallet has been around for a few years now, but most American users couldn't really use it before last November when Kit Kat landed and brought a new method for mobile payments and a method to try and prevent carriers from blocking the app

But if you think Google Wallet's just for tap-and-pay, you're sadly mistaken. There's a lot more to Google Wallet, and there's something for everyone

Google Wallet is first and foremost Google's method of mobile payments, so if you've ever used the Play Store for any purchased content (including free giveaways of things like albums), you already have and use a Google Wallet account.

Google Wallet has also gotten into mobile payments between users, allowing you to send and receive money through Google Wallet just as you would with PayPal. If they have a Gmail, you can send them money, or send a request for them to send you money if they, say, haven't paid their fee for your fantasy football league yet. Like PayPal, there's a fee if you use credit or debit cards for this, but if you transfer either using your Google Wallet balance or your connected bank account, there's no fee. If you're someone who transfers on a regular basis, or transfers large amounts — or both, if you've got a kid in college always needing more — then keep those fees in mind.

Your Google Wallet Balance can be used not only in the Google Play Store or with tap-and-pay, but also like a regular debit card in shops and with ATMs with the Google Wallet Card. Accepted wherever MasterCard is, the Google Wallet Card is a debit card that you can monitor from you phone and that you can keep just the amount you need on.

But even if you're not using Google Wallet to send or receive money, there are still some great uses to be found. Google Wallet can store loyalty program information from every single department store, grocery chain, and restaurant, and bring them up when you need them. If you have an HT+1 rewards card and you visit a Hot Topic, Google Wallet will remind you to swipe your card and get your points. They've also expanded this recently to include gift cards, so you'll never forget to use them again. And since not all stores have tap and pay yet, the stored gift cards will draw up the card number and PIN for your server/cashier/waitress to type in instead.

One of the nicest features of Google Wallet are the notifications. Each time I use tap and pay, I'll get confirmation on my phone that it went through. And once it's processed, the receipt will arrive in my Gmail. Now, to some, this may seem like overkill, but for an app tied to my money, I'd rather have it over-inform than say nothing.

And of course, we have tap-and-pay. Now, this has technically been in here for years, but the carriers had blocked it on their phones and on their networks because they were all pushing their own versions of mobile wallets, most notably ISIS Wallet. With Kit Kat, tap-and-pay was changed and strengthened, and additionally, Google prevented the carriers from blocking it (for the most part). Currently it requires a US SIM card, even though the SIM card should play not role in the Host Card Emulation that enables secure, sandboxed tap-and-pay in Android Kit Kat. It's not available everywhere, but it's also more widespread than you'd think. Also, it should be widening in use in the next year and a half, as more devices with tap-and-pay are being sold and many businesses will have to upgrade anyway ahead of the chip-and-PIN switch.

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5 Advantages to Using PayPal to Buy Online

 Advantages to Using PayPal to Buy Online

PayPal is one of the largest online payment processors in the world. After rising to prominence through its partnership with Ebay, online merchants all across the Internet accept PayPal as one of their accepted methods of payments.

Those who have never used PayPal may wonder why so many people use it as their only way to pay for online purchases. After you review the following seven advantages to using PayPal to buy online, you will likely want to start using PayPal yourself.

1. Credit card security

When you sign up for a PayPal account, you type in the credit cards and bank accounts you wish to use for purchases one time on the PayPal secure system. Once that is accomplished, you never again have to disclose your credit card information online. By paying with PayPal, you keep your credit card information private, meaning that you can shop without worrying about a hacker downloading your account data from your online merchant.

2. Flexibility

Relieve yourself of the embarrassment and hassle of trying to purchase goods and services online only to have your credit card declined. Because you can set up multiple bank accounts, debit cards, and credit cards to fund your PayPal account, you can rest assured that your PayPal purchases always go through the first time. PayPal will then look for funds from your sources based on the order you define.

3. Send money

Whether you need to send money to a child at college or a friend in trouble across the globe, PayPal users can instantly transfer money to them with just a click of the mouse. Save time and money over costly Western Union style transfers while getting money to where you wish to send it faster than ever.

4. Cost

One of the best reasons for using PayPal is its cost: free. That’s right. No annual membership fees, no processing fees, no service charges. Shoppers using PayPal get all the powerful advantages associated with the service and do not have to pay one dime.

5. Discount rates

PayPal sponsors special discounts for customers that shop with PayPal at selected retailers. Users who visit shopping.paypal.com can find the latest special offers from companies like HP, Barnes & Noble, Wal-Mart, Nike, and more. The bottom line is that PayPal can save you money on the things you need at the places where you shop. To take advantage of the savings all you have to do is copy the special promo code from the PayPal shopping Web page and paste it into your order at your merchant’s site when you pay with PayPal.

These seven advantages to using PayPal to buy online are enough to make you want to give PayPal a try. If you have never opened a PayPal account, go ahead and create one today. If you have only used PayPal at eBay, the time is now to see the whole world of opportunity that PayPal opens up for you.

What is affiliate Programs

WHAT IS AFFILIATE PROGRAMS

Program that involves two or more parties that work in conjunction to provide a certain level of benefit to each other. Affiliate programs are prevalent in internet advertising.  The sponsoring website provides rewards to participating websites for directing traffic to their site. This is typically done by including display advertisements on the websites of participants. Performance of the advertisement is monitored and participants are rewarded based on these results.

Online earning from Gaming Affiliation

GAMING AFFILIATE PROGRAMS

Video game world is attractive to affiliates in many different ways. First of all, major developers and video companies around the word make it their goal to provide the best products possible to keep gamers happy. Also, the companies creating hardware (game consoles) have pretty much the same mission. The current stage of development of the market makes it clear that video games are here to stay, and even though most games are not evergreen, the market as a whole is.

Joining an evergreen market is something affiliates really like to do. Or at least should be trying to do. Evergreen markets won’t disappear one day all of a sudden, and make a whole bunch of people go broke overnight.

However, even though the market is here to stay, individual games are not, so every affiliate needs to be careful when deciding what they promote. Some sub-niches have the potential to evolve into something new and keep up with the trends, but some will quickly die out with no possibility of being replaced with a similar sub-niche.

Thankfully, the video game world can be tackled from many different angles. If you’re an affiliate, and you want to join the game (so to speak) there are three main paths you can take.

1. Game Providers

The most obvious approach, and the most evergreen at the same time, is to promote all kinds of video game stores and providers. While providers themselves can disappear even overnight it’s easy to switch to another one and keep your affiliate business profitable.

GameFly

GameFly is one of the most popular video game rental houses and stores. The idea is simple. Users can pick their desired games and have them delivered to their doorstep. The service is subscription based, and this is where the affiliate program comes into play. Every affiliate has the possibility to earn from $15 to $25 for each person who signs up for a free trial.

Every affiliate knows that free trial offers have a lot better conversion rates than all kinds of traditional sale offers. At this moment GameFly offers more than 8,000 games so every gamer is sure to find something interesting there, which makes the program even easier to promote.

This might be the perfect offer for you if you run some kind of comparison site, video game reviews site, video game news site, video game forum, and other video game related projects.

For high level affiliates – if you manage to deliver 500+ subscriptions in a month – there’s an individual program with even higher commissions.

Hoyle

Hoyle is a different kind of game store. It offers downloadable games for playing board games, card games, casino games, slots, and other similar products. Even though you won’t find Battlefield 3 among their offerings their games are still very popular and therefore might be good to promote to your gaming audience.

The basic commissions are at 15% per sale, and you can get paid every 30 days if you reach a certain threshold. The program itself is based at Commission Junction, so you need to sign up to the network itself before you can start promoting Hoyle.

As a member of their affiliate program you’ll also get access to the online reporting and monitoring platform. Various performance reports are sure to improve your results over time.

GamePal

The name similarity to PayPal is not accidental here. GamePal is a site that provides services for buying and selling of MMORPG’s virtual currency, accounts, items, and power leveling.

MMORPG (which stands for Massive Multiplayer Online Role Playing Game) is a very lively niche inside the video game market these days. Not to mention the vast popularity of those kinds of games, they also (usually) feature things like virtual currency, which can be earned and then exchanged between players.

GamePal offers an in-house affiliate program. You can join it by signing up for a GamePal account and then going to the affiliate control panel. The rules are clear – you get 25% of each sale that happens after your referral.

2. Strategy Guides

Game strategy guides are a major niche in the video game world. Every popular game has a learning curve, and some people don’t like to figure things out on their own … that’s when they start looking for different guides and walkthroughs.

Not surprisingly, the most popular guides on the market are ones for different MMO games.

Zygor

Zygor is the provider of the best World of Warcraft guides on the market. What makes their guides so great is the fact that they are not delivered as PDF files or any kind of similar content. Zygor’s guides are built in. This means that they can be accessed directly inside the game itself. It makes them much more interactive and easy to use. Zygor’s program is one of the most popular ones on Clickbank, and we can clearly see why.

Some information about the program itself: 50% commissions (around $16.64 per sale), gravity at 89, access to affiliate tools and promotional materials.

SWTOR Leveling Guide

Star Wars the Old Republic is a new player to the MMO world, but it’s gaining serious popularity as of late. The program presented here is one of the most popular SWTOR guides. Even though it has a more traditional form than Zygor’s, it still presents a great gravity score of over 110.

The commissions are at 75%, which translates to around $21.30 per sale. As an affiliate you’ll get access to a free affiliate report, pre-written articles, PPC keywords and ads, graphics, reviews, and even forum signatures. As you can see, the affiliate package is really impressive.

Shokz Starcraft 2 Mastery Guide

Starcraft has been one of the most popular games of all times, and ever since Starcraft 2 has been launched the craze just keeps getting bigger and bigger. What’s interesting about this particular guide is that it hasn’t been created by yet another vendor who never actually played Starcraft. Shokz is one of the best players in North America, so his guides are always up to date and reflect the actual realities of the game.

The program is Clickbank based. You can get 57% of every sale, which transfers to around $17. After joining the program you get access to a set of banner ads, videos, and PPC keywords. Shokz promises that the affiliate package will soon be expanded to provide more tools and resources.

3. Hardware and Its Problems

This final kind of affiliate programs focuses on the hardware itself – game consoles. Even though machines like Playstation 3 or Xbox 360 are pretty reliable, and most problems can be handled by warranty, there are still moments when gamers need to find another way to have their consoles fixed.

There can be multiple reasons for this. For example, the repair might turn out to be too expensive, or the gamer might modify the machine on their own, so now there’s not much that warranty service wants to do about it (which is more often the case).

Thankfully, such gamers can get a range of repair and maintenance guides to get their consoles working again at a fraction of the price professional service would cost.

The most popular consoles of today are Playstation 3 and Xbox 360, and the most popular repair guides for them are: PS3LightsFix (PS3) and James Dean 3 Red Light Fix (Xbox). Both guides are essentially very similar from a customer’s perspective.

When it comes to the affiliate side they are not that different either. Both programs offer 75% commissions, and both provide really extensive affiliate packages. When promoting them, you can use a range of videos, banners, keywords, landing pages, articles, forum signatures, and more.

This concludes the list of valuable video game affiliate programs. Don’t forget to comment if you know of some other programs that would look good on this list.

Earning From freelancing

  Earning From freelancing

A freelancer is self-employed person offering services, usually to businesses and often to multiple clients at a time. The type of work freelancers do varies. Nearly every type of service a business would need could be provided by a freelancer, including (but not limited to), marketing, such as social media marketing, copywriting, and publicity, writing, such as articles and blog posts, technological support, such as web programming and design, creative works such as graphic design, and financial support, such as bookkeeping

According to the Freelancers Union, 55 million Americans--35% of the workforce--have freelance careers, with a combined estimated earning of $1 trillion a year. 

Freelancing is so flexible, you can set your own hours, working full or part-time on the projects of your choice. While clients can offer specifications to the work, a freelancer works similar to an independent contractor, in which he's free to control how the work is completed. This is an important distinction for tax purposes, because the IRS views employees and independent contractors differently.

Further, freelancing allows you to set your own price, which is often higher than what you'd make as an employee doing the same work. 

The regularity of freelance work can vary. Many freelancers work for the same set of clients over a long period of time. For example, a freelance writer might have a client that requires an article twice a week ongoing.

Others work with clients over shorter periods, usually on specific projects. For example, a freelance web designer might build a website for a client and once the site is done, so is the work relationship. 

Advantages of Freelancing

There are several perks to working as a freelancer, including:

• Get started quickly...today even. As long as you already know the skill you plan to offer, getting started is simply a matter of finding your first client  
• Easy to start. 
• You can start right now, using your network find a client. While you'll want to build a LinkedIn profile and/or a website, you can network within your current career and friend networks to find your first client.

• Affordable.
•  Odds are if you have the ability to provide the service, you also have whatever equipment or software you need to deliver it. Eventually you'll want to invest in business building tools, such as a website, but using LinkedIn (which is free) is a great online resume that can help you promote your service.
• High demand for help. 
• While the marketplace of freelancers is competitive, the need for quality, reliable freelancers is growing. Many businesses don't have employees and instead have a team of freelancers. 
• Choose your own schedule. 
• Work when and where you want.
• Pick and choose clients. 
• While in the beginning you may take any client that will hire you, as you grow, you can choose not to take on difficult clients. You can even fire them.
• Do the work the way you see fit. 
• While you need to deliver what the client asks, how the work is done is up to you.

Disadvantages of Freelancing

Where there's a good, there's usually a bad. Here are some disadvantages to freelancing:

• Can take time to build a steady clientele.
•  Getting enough clients to make freelancing something that supports you and your family can take awhile. 
• Work can be irregular. 
• Many freelancers experience an ebb and flow in their work. You need to plan for lean times, and be ready to work hard to deliver work on-time when work is plentiful.
• Managing multiple clients and projects can be a challenge. 
• While some people like the variety of working on several projects at a time, others may find it difficult to keep track of deadlines and pace themselves to deliver quality work on time. Great time managementsystems and organization is key.
• Pay may be low to start out.

•  Especially in today's digital economy, many people expect to pay less for work from a new freelancer. Breaking in with lower costs may be needed, but as quickly as possible, seek to charge what you're worth and find clients willing to pay for quality.

What's the Difference Between a Freelancer and Home-Based Service Business?

There really isn't a difference between freelancing and a home business. Both are self-employed individuals and can work for several clients at a time. Both can set their own schedules and have to abide by the same self-employment tax rules. 

With that said, there are a few differences between freelancers and home business owners. A freelancer often works under his own name, where as a home business owner usually creates a business name. Often a home business owner has found way to fill a gap in the market whereas a freelancer works within the established needs of the market. 

How to Get Started as a Freelancer

Getting started as a freelancer is as easy as visiting one of the freelance sites to find work, and networking with your current sphere of influence to find your first client. Here's steps to building a freelance career:

1. Decide what you'll offer.
 Common freelance work includes writing, web design, graphic design, photography, marketing, social media management, bookkeeping and more. 

2. Determine your target market. 
Who needs what you have to offer? Decide if you'll specialize within a specific niche of your service (i.e. copy writing or WordPress web design) or within a specific market (i.e. writing for Realtors or web design for authors). This is the time to decide your brand and unique selling proposition.

3. Create an online portfolio. Start at LinkedIn, a social network all about career networking. Build a profile that promotes the benefits you have to offer. Consider setting up a website, which will offer you more customization and flexibility than LinkedIn. 

4. Set your prices. Make sure you charge enough to cover your overhead, time to do the work, as well as to earn a living.

5. Start reaching out to find clients. Use your network to help you connect with potential clients. Consider using a freelance site, such as Freelancer.com or Upwork (formally eLance and Odesk) to find work. While they may pay less than you want, it can be a great way to get experience, testimonials and referrals. 

Freelancing is a fast and affordable way to get started working as your own boss from home. With that said, there are pros and cons, and success comes from those who plan their business and deliver high quality work. 

Updated by Leslie Truex Feb 2017 from  Freelancing

A freelancer is self-employed person offering services, usually to businesses and often to multiple clients at a time. The type of work freelancers do varies. Nearly every type of service a business would need could be provided by a freelancer, including (but not limited to), marketing, such as social media marketing, copywriting, and publicity, writing, such as articles and blog posts, technological support, such as web programming and design, creative works such as graphic design, and financial support, such as bookkeeping

According to the Freelancers Union, 55 million Americans--35% of the workforce--have freelance careers, with a combined estimated earning of $1 trillion a year. 

Freelancing is so flexible, you can set your own hours, working full or part-time on the projects of your choice. While clients can offer specifications to the work, a freelancer works similar to an independent contractor, in which he's free to control how the work is completed. This is an important distinction for tax purposes, because the IRS views employees and independent contractors differently.

Further, freelancing allows you to set your own price, which is often higher than what you'd make as an employee doing the same work. 

The regularity of freelance work can vary. Many freelancers work for the same set of clients over a long period of time. For example, a freelance writer might have a client that requires an article twice a week ongoing.

Others work with clients over shorter periods, usually on specific projects. For example, a freelance web designer might build a website for a client and once the site is done, so is the work relationship. 

Advantages of Freelancing

There are several perks to working as a freelancer, including:

• Get started quickly...today even. As long as you already know the skill you plan to offer, getting started is simply a matter of finding your first client.
• Easy to start. 
• You can start right now, using your network find a client. While you'll want to build a LinkedIn profile and/or a website, you can network within your current career and friend networks to find your first client.

• Affordable. Odds are if you have the ability to provide the service, you also have whatever equipment or software you need to deliver it. Eventually you'll want to invest in business building tools, such as a website, but using LinkedIn (which is free) is a great online resume that can help you promote your service.
• High demand for help. While the marketplace of freelancers is competitive, the need for quality, reliable freelancers is growing. Many businesses don't have employees and instead have a team of freelancers. 
• Choose your own schedule. Work when and where you want.
• Pick and choose clients. While in the beginning you may take any client that will hire you, as you grow, you can choose not to take on difficult clients. You can even fire them.
• Do the work the way you see fit. While you need to deliver what the client asks, how the work is done is up to you.

Disadvantages of Freelancing

Where there's a good, there's usually a bad. Here are some disadvantages to freelancing:

• Can take time to build a steady clientele. Getting enough clients to make freelancing something that supports you and your family can take awhile. 
• Work can be irregular. Many freelancers experience an ebb and flow in their work. You need to plan for lean times, and be ready to work hard to deliver work on-time when work is plentiful.
• Managing multiple clients and projects can be a challenge. While some people like the variety of working on several projects at a time, others may find it difficult to keep track of deadlines and pace themselves to deliver quality work on time. Great time managementsystems and organization is key.
• Pay may be low to start .
•  Especially in today's digital economy, many people expect to pay less for work from a new freelancer. Breaking in with lower costs may be needed, but as quickly as possible, seek to charge what you're worth and find clients willing to pay for quality.

What's the Difference Between a Freelancer and Home-Based Service Business?

There really isn't a difference between freelancing and a home business. Both are self-employed individuals and can work for several clients at a time. Both can set their own schedules and have to abide by the same self-employment tax rules. 

With that said, there are a few differences between freelancers and home business owners. A freelancer often works under his own name, where as a home business owner usually creates a business name. Often a home business owner has found way to fill a gap in the market whereas a freelancer works within the established needs of the market. 

How to Get Started as a Freelancer

Getting started as a freelancer is as easy as visiting one of the freelance sites to find work, and networking with your current sphere of influence to find your first client. Here's steps to building a freelance career:

1. Decide what you'll offer. Common freelance work includes writing, web design, graphic design, photography, marketing, social media management, bookkeeping and more. 

2. Determine your target market. Who needs what you have to offer? Decide if you'll specialize within a specific niche of your service (i.e. copy writing or WordPress web design) or within a specific market (i.e. writing for Realtors or web design for authors). This is the time to decide your brand and unique selling proposition.

3. Create an online portfolio. Start at LinkedIn, a social network all about career networking. Build a profile that promotes the benefits you have to offer. Consider setting up a website, which will offer you more customization and flexibility than LinkedIn. 

4. Set your prices. Make sure you charge enough to cover your overhead, time to do the work, as well as to earn a living.

5. Start reaching out to find clients. Use your network to help you connect with potential clients. Consider using a freelance site, such as Freelancer.com or Upwork (formally eLance and Odesk) to find work. While they may pay less than you want, it can be a great way to get experience, testimonials and referrals. 

Freelancing is a fast and affordable way to get started working as your own boss from home. With that said, there are pros and cons, and success comes from those who plan their business and delive high quality.