Archive for the ‘ make money at college ’ Category

amazon

Make money online and work fro`m home to eliminate debt. With so many people over extended in debt why not start an online business? In your spare time you could be generating enough income to pay down many of your debts. You can start out selling other peoples products or with ads such as Adsense from Google. Many people make a living off of Adsense ads alone.

If blogging is not for you, you could make money on eBay. People are retiring from the money that they make on eBay. It is the largest auction site worldwide. You can start small from articles around your home and then grow into marketing other items as your eBay business grows. Your junk could be someone else’s treasures. You may be surprised at what people are willing to buy. With almost every home having access to a personal computer and the internet it is easy to make money online and work from home. You could be earning income while you are spending time with your family, between hours during your college courses, or while you are retired and living on a fixed income. The options are endless at making money on the internet.

You could make money by blogging. Blogs are free to set up and easy to operate. You do not need to have knowledge in HTML or website design. Blogger is probably the easiest to get going. Start a business about your passion. If you have something that you really are passionate about, you could be earning money telling other people about your passion. You do not need to be an expert in any given subject, just passionate enough to want to learn more about it and share your knowledge as you learn. There are so many recourses online to learn how to make money online and most of it is free.

You do not need a lot of money to invest. You can start out selling other peoples products or with ads such as Adsense from Google. Many people make a living off of Adsense ads alone. If blogging is not for you, you could make money on eBay. People are retiring from the money that they make on eBay. It is the largest auction site worldwide. You can start small from articles around your home and then grow into marketing other items as your eBay business grows. Your junk could be someone else’s treasures.

You may be surprised at what people are willing to buy. There are so many other opportunities to make money online and work from home. You are only limited by your imagination. If you are looking to find something you can bet that many other people are looking for the same information. Why not right about what you find out and help other people get the same answers. There is money in researching for other people. Heck people are even willing to pay you to research and write articles for them.

About the Author

For more useful tips & hints, please browse for more information at our website :-
http://www.reprintarticlesite.com
http://www.youradsenseprofits.com

“Making Money Online” is the dream of about 65% of the people in North America alone, i became aware of the fact that one can “make money online” after reading “Multiple streams of income” by the best selling author, Robert Allen…

That Book Changed My Life.

It taught me , in very simple terms how to “make money online”, knowing that one stream of income is not enough i got busy finding ways to “make money online” or rather “make more money”.The one that appealed to me most was Marketing – Specifically “Internet Marketing” i discovered that i could “make money online” by promoting various affiliate programs without even owning a website.

There are thousands of affiliate programs around but then i discovered one that eventually changed my life called

“Internet Marketing Center”. I decided to give it a shot and that became the most wisest investment i ever made.

What Makes The Internet Marketing Center Program So Powerful?

- They are one of the oldest affiliate programs on the internet, they have been going this since 1995 so they have a power system that enables you “make money online” and they have worked out all the kinks that make other affiliate programs so unreliable.

Here are some other great reasons to partner with IMC:

1. cOMISSION SIZE: “You make money online” by earning over 60% of their net profit for each product – and as much as $165 per sale! plus sell 10 or more of their core product- Corey Rudl’s ” Insider Secrets” course- in a given month, and they will increase your referral fee to $75 per sale for all sales you have generated for that month.

2. Proven simple sales process: they give you field – tested and proven “Copy, Paste, and send” promotions and other easy – to – use resources that will guarantee you “make money online”.

3. Lucrative sub-affiliate program: you can earn fees from any affiliate you recruit whenevr they make a sale.

4. Multiple targeted products for backend selling: Allows you to “make money online” by selling several related products to your audience at various stage in their business life span for maximum profits.

5. Three- year “Memory”: If you send someone to their site and they don’t buy today, but revisit the site anytime within the next three years and purchase one of their products, you still earn your referral fee!.

6. Exclusive Affiliate Resource Center: This private “Member Only” site lets you track your visitors, sales, and earnings, all in real time, so you always know exactly how you’re doing!

How Long Those It Take To Sign Up?

The sign- up process takes just a couple of Minutes- and there are no long surveys or endless forms to fill out. In just a couple of minutes you can be signed up and access their affiliate resource center, where you’ll find all the info you need to enable you “make money online”

Click Here to check it our right away!, within minutes of submitting it , you’ll receive a welcome package followed by a five part training course that explains the power of their different promotional tools that will ensure that you “make money online”

we have heard about several stories regarding affiliate marketing success,online earning and lots more.

could you imagine how it’s possible to earn online using affiliate marketing concepts….


there are several online merchants who are looking for huge online visitors but can’t……


here the problems end with affiliates working for these merchants and thus provide huge traffic and

improved conversion rates to the merchants site.


major terms used in affiliate marketing:


1- affiliate networks

2- affiliates

3- merchants

4- affiliate programs

5- affiliate codes

Affiliate Networks: affiliate networks play a very important role in tracking all the transactions between affiliates and merchants. networks track all the genuine sales/leads made by affiliates for a particular merchant and thus responsible for providing the exact commission earned by the affiliates. both the merchants and affiliates are joining these networks.

Affiliate programs: These are the products or services the merchants are providing online,the products are converted

into an affiliate codes which is provided to all the affiliates joining these programs.


tracking code: these codes are provided to affiliates through which networks can easily track all the sales made by affiliates.thus affiliates are promoting merchant sites by adding their links to their site and thus redirecting

a huge traffic to merchants site and thus increasing their online conversions.


have a look of this page contract mobiles where all the affiliate marketing concepts are applied,

and join affiliate future and start earning online within few days.

michael the famous author of various articles like contract mobiles,affiliate marketing strategies.

Affiliate marketers seem to always be looking for the biggest paycheck in the most successful market. Sometimes they think there is a magic rainbow out there that leads to the bucket of affiliate marketing gold that is the Internet. Actually, it’s a lot more complicated than that, but in the end they might find that the solution is actually right in front of their faces. Good marketing practices that have been proven over the years have been acquired through hard work and dedication.

Some tactics that worked early in the advent of online marketing do continue to work in the affiliate marketing of the online world today. If you follow these three essential marketing tips, you will be able to able to drive sales and survive affiliate marketing online.

Three Tactics To Use For Successful Affiliate Marketing

1. You should use a unique web page for each separate product you are promoting and marketing. It is unwise to just lump together everything just to save some money on web hosting. Each site should focus an individual product and nothing more.

A good product review software on your affiliate marketing website allows visitors to gain an initial understanding of the purpose of the product and what it can do for potential buyers. Product testimonials are a great way to promote your products since you are getting that information from users who have already tried the product. You must be sure that these customers will allow you to use their names and photos on the site of the specific product to which they are offering testimonials.

You can add valuable content in the form of articles that highlight the product. Article marketing has become a huge tool in the affiliate marketing business. You should include the articles as separate pages on the website. The pages should be different, attractive and compelling. They should also include requests to act on the provided information. Each headline should contain a blurb that serves to attract the readers to keep reading and even contact you. It’s also a good idea to highlight your special points. This will inform your readers and an informed reader will want to find out more.

2. It’s a good idea to offer free reports to your readers. You should place these reports in can’t miss positions such as the very topside of your page so they will not be overlooked. Through the use of an autoresponder, you can send messages to opt-in users who input their personal information into your sign up box. According to recent research, it generally takes contact with seven prospects to close a successful deal.

One of two things can possibly happen involving just the web page: you close the deal or the prospect leaves the page to never return again. If you place useful information into a prospect’s inbox at a certain specified time, you might remind them of the product they took a passing glance at earlier. This alone may be the affiliate marketing dealmaker. In your informational email, be sure that the content involves specific reasons why the product will suit the buyer’s needs, but try not to make it sound too much like a sales pitch.

The key to your free report is to get the prospect to focus on important points like how your product can make his or her experience easier and more enjoyable. It is wise to create a buzz by using compelling subject lines of the email. Try to avoid overusing the word “free” because older Spam filters may dump this type of content before your potential buyer has a chance to read the message. Your main goal with free reports is to convince your opt-in members that they will miss out on something important if they do not examine one of your products and services.

3. The third essential to affiliate marketing is traffic. You must gain traffic that is targeted to your product. It’s common sense to know that if a website visitor has no idea as to what you are offering, they will be among those who move on and never return. This requires you to become an ‘expert’ in what you are trying to sell. To do this you need to write articles for publication in e-zines and e-reports. This offers you the chance to position publications that focus on your target customers. If you can easily explain your products by creating informative content, you can draw their interest and traffic while making yourself the expert.

Anyone serious about becoming an affiliate marketer should try to write a minimum of 2 articles per week with lengths ranging from 300-600 words. In a short time, your continuous writing and maintenance of articles can generate as many as 100-targeted readers to your site in a day. 

The Internet Golden Rule states that only 1 out of 100 people will likely buy your product or attain your services. Do the math. If you can generate 1,000 targeted hits for your website per day, you can make 10 sales based on that statistic.

I know that the tactics above sound simple and they are to some extent. But if you really think about it, you still need to work hard to draw customers. A positive thought is that it only requires a little time and a good action plan on your part to become successful.

If you have tried other affiliate marketing techniques without success, then try these essential tips. They could possibly help you to achieve and maintain a good source of income, in turn, giving you a good lifestyle. Once you conquer this business, you deserve to reap the rewards.

 

Bryan Missey is an author of informative articles like this one. If you would like high quality articles about this subject, please check out www.honestplr.com.

If you are new to internet marketing or affiliate marketing as it is also called than you probably have heard the saying that “the money is in the list”. What do they mean by that statement? How do you get a list? What kind of list are they talking about?
I know when I first heard it those were the questions running through my brain and even after they were answered I didn’t have a clue on how to get my own list. I also wondered if it is true.

Positively! From my experience in the trenches the list really is the key. It’s the key to having the ability to selling to a pre-qualified group of people who have let you have their email address who are interested in something that you are selling. The beauty is that you can sell to them over and over again when you come up with a better product or service. You can educate them in what it is they need to know about said product or service. You can build a relationship with them that can last for years. For more details go to www.money-secret-exposed.com .But before you get a list you need to choose what it is that you want to sell. I am involved with affiliate marketing and the beauty of it is that you do not need your own product to begin making money. There are thousands of practical products existing that you can make a dollar on. All you have to do is find the customers and send them to the sellers and collect the cash.

Whatever your interest is there are an unbelievable amount of products that you can make money selling. There is websites setup exclusively for this that has literally hundreds of products in a multitude of categories. You have no excuse for not being able to find a product that you have some interest in. If you are creative there is also a surplus of room for you to make and promote your own product.

This is called being an affiliate for the product that you choose to sell. Affiliate marketing is very easy to get started doing. You just need to sign up for their affiliate program, promote it, and watch the money starts rolling in. This is great; you can’t believe how easy this is, but then what? Most likely you would just find another product and start all over again. If only it was that easy.

Picture this, when you pick or create this new product you already have a list of hundreds or thousands of people to instantly notify about it? You can fire off a snazzy email and immediate have money coming into your pocket. Because this is your list and they have already shown an interest in the type of product you are selling they are much more likely to buy it. Especially from you, who they now have a trust in, since you have built a relationship. For more information logon to www.ad-tracking-pro.com .Then you can start advertising this product and add more people to your list to grow it even more. Then the next item you pick or create you will have all the more people to sell to. As you can see this method can have on a snowball effect. In a relatively short period of time your primary income will be from your online business. Wouldn’t it be sweet to work from home!
But the key question is how do you go about starting a list? Sounds easy enough but no one has mentioned the technique of acquiring this list.

One of the most often used ways is to create a squeeze page with some type of offer on it in exchange for their email address. This is a simple one page website that is designed to capture your visitors name and email address. If you offer them something of value they are more likely you give up their precious name and email address. There are plenty of things that you can get for free, like reports, charts, e-books, that you offer to them.

Once you have captured their name and email address you add them to your auto responder and they are a part or your list. You now have a person who has shown an interest in your particular product or service and really wants more information. At this time you would redirect them to your affiliate product website or to your own website with a link. I have found it best to first send them to my own site to warm them up for the affiliate’s website by telling them all of the virtues of the product or service.

You now have a potential customer for your current and your future products. And they are more likely to buy than if you just sent them to an affiliate website because they showed they had enough interest to give up their precious name and email address.

When you email them regularly, every other day or so, make sure that you are giving them something of value. Some ideas are useful information, free reports, free software, or news articles you’ve come across. Try to show your personality in the email.

You can than show them your product and recommend a link to your product or affiliate page. Promote your product with a strong sales message. Tell why they need it and why it is better than other alternatives; stress any freebies that are available with purchase. Do not over use your list or they will shut you out. This is your most valuable resource and should not be jeopardized by overselling to them.

If you only promote the best products and always give good information you should do fine. You must not try to cheat or misrepresent anything to your list. Be a person that they can trust and get good information from and you will be able to make money from your list for years to come.

Are you enticed by the idea of working from home? Do you wish to have a safe, risk-free income? If yes, affiliate marketing is the business option you were searching for.

 

Affiliate marketing is a supportive effort between merchant and an affiliate’s website. The money compensation is based on the form of sales, website hits, and website registrations. The online merchants are commonly referred to as affiliate merchants, and the salespeople are simply referred to as affiliates.

 

Affiliate marketing works as well as it does because it is mutually beneficial to the merchant and the affiliate marketer. It is a great way for both to make money selling products on the Internet. Let’s take a closer look for the benefits of affiliate marketing from the point of view of the merchant and the affiliate marketer.

 

As an affiliate marketer you do not need to create your own products, the merchant takes care of that for you. By this reason, you are able to get started very quickly as affiliate marketer to make money online once you have joined the affiliate program. From the merchant’s point of view, they can use affiliate tracking software that is automatically registered and processed sales report. This means that it uses automated advertising campaign and they also need not to engage in time consuming interviews.

 

The best part of affiliate marketing is that it is absolutely free. It is obviously a good benefit for the affiliates because there is no money risk involved in joining affiliate programs. Merchants can take advantage for this because they don’t pay money until they generate sale for you and having a free to join programs can invite many people to join and increase their sales exponentially.

 

Affiliate merchants can make an easy way for their affiliates to make money online. They give everything for their affiliates like marketing materials, products, shipping, and customer service and collect the payment. Your only job as an affiliate marketer is to promote your affiliate website and get commission from it.

 

Affiliate marketing also gives fringe benefits to the affiliate marketers and merchants. They will write ads in their website and you are the one to place these ads on the Internet. By doing this way you will have a great chance to make more sales because many people can possible read the ads that you have post.  Marketing merchants also need not to worry because if their ads don’t work, they will lose nothing and they can improve and test them for free until the ads work. Even though visitors don’t buy their products there is still a good chance that they will bookmark the site. Until it will come to a time that you will be getting loads of traffic absolute free.

 

One of the biggest benefits of affiliate marketing is the opportunity it gives you and affiliate merchants to promote your products or services 24 hours a day, 7 days a week and 365 days a year and it is all done through the internet and affiliate marketing. Unlike the traditional business you do not have to open a local store to sell your products but with this helpful tool you can make thousands of money or eventually millions of dollars in fast and easy ways!

Affiliate marketing can offer you limitless earning potential that enable you to work from home, and provide you with flexible working hours. For these reasons alone, affiliate marketing is fast becoming an extremely popular way to earn a living.

These benefits for the affiliate marketers and merchants proved that affiliate marketing is a powerful tool to earn money online. Whether you are a merchant looking to get your products sold or a marketer looking for more ways to make money, the benefits of affiliate marketing has marked the online industries and became evident to many.

Now it’s time for you to get started on your work from home online business in order for you to make money on the internet.

Don’t miss your chance to cash in on this phenomenal marketing trend!

For more FREE information please click on the link in the resources box below.

Paul Evans is an experienced Internet Marketer who has spent a considerable amount of time doing his research on hundreds of internet opportunities and exploring various ways in which to market his products and services. To learn more<a target=”_new” rel=”nofollow” onclick=”javascript:pageTracker._trackPageview(‘/outgoing/article_exit_link’);” href=”http://www.SimpleOnlineIncome.co.uk”> click here for FREE Guide </a>

An affiliate program is a very good option if you want to earn good money sitting at home. Read on to learn some tips that will help kick start your affiliate marketing program.

Find out which program gives you the chances of higher profit margin – With so many online affiliate programs present to entice you, it becomes quite confusing at times. While choosing, make sure that you will be paid commensurately for the efforts that you are going to put in. Do not waste time on affiliates that do not reward well. For more help go to www.scroll-pops.com .Make sure that the main product has a fairly good demand – A specific niche might prove to be a little discouraging in the initial stages, especially if you are new to the affiliate program. Seek some help from your friends, family etc to get a fair idea as to what your niche can be – it must be some product that has a good online market. If you feel that the market is growing for the product, then the affiliate program can turn out to be a good deal for you. As you learn the tricks of the trade, you can move on to exclusive products later on.

Remember! You are unquestionably need own website. Own website helps you be more flexible in your business decisions. Many affiliate marketers use Promarketglobal. it is affordable and has good quality.

Choose a program that evokes interest – See whether you as a customer would like to purchase and use that product. This will help you gauge the utility of the product. If the product is not very interesting, your risk factor is quite high. Test the product on yourself, and see whether it is delivering the advertised benefits.

Read the terms and conditions attached carefully – Many affiliate programs have some terms and conditions, which might require you to fulfill some prerequisites such as quotas. Before you take up the assignment, make sure that you will be able to fulfill those criteria, or else you might have to surrender your remuneration.

An affiliate marketing program that trains you on the products, offers you additional resources to promote the product is definitely recommended. This will allow you to grow well in your business. A helpful affiliate program is definitely more sought after.

Check out for affiliate programs that offer positive incentives for their members to grow and profit – Such programs provide constant help to their members, and update them on the products. As a result, you can be assured of growth in your networking program. Cash and kind incentives also provide a boost to the members to work harder, and continue with the affiliate program. For more information logon to www.myspace-marketing-secret.com .Find out the pros and cons of the affiliate program – If you know anybody who is involved in the same kind of product affiliate program, then it is wise to get some advice from him. This will help you from encountering any kind of future problems.

Use SEO to place your site higher up in the top search engines. Important keywords pertaining to your product, if properly highlighted, prove beneficial.

The online market for products is ever-growing. The advantages are many, and so are the profits. If planning to join the team of affiliate marketing, seek some help beforehand so that you are on the right track along with appropriate direction.

Affiliate Marketing for Beginners

Avoid 3 Main Pot Holes in Setting Up Your Internet Marketing Program.

As you begin to look at where to begin when starting out on the Web, there are some key points to cover before you spend a cent on anything. Affiliate marketing is a business after all, so take the time to think things through before you do anything.

Among the first considerations is where you should start and with what product or program; that all depends on your background, your interests and where you stand on the selling spectrum.

Pot Hole One-What Are You Knowledgeable About and What Are You Interested In?

There are many programs that will promise rags to riches no matter what if you just follow the easy steps to heaven. Well good luck to you. The first thing to ask yourself is what do you really know and what do you really believe in when it comes to starting your business. For example, if you are passionate about bicycling and ride 25 miles a week, you could take a niche market segment and market bicycling accessories. If you are passionate about helping your child with his/her learning disability, you could concentrate on developing a resource report on all the things you have learned to help prepare that child for college. Whatever your experience you should gravitate to an affiliate program that fits your interest or passion if you have one.

You need to really believe in what you are doing and then select the product or affiliate program that you can sell on a natural and instinctive level. Your customers will feel and see it in your Web site or blog and you will see it in sales and profits.

Pot Hole Two — Limit the Scope of Your Business

When you set up your affiliate online program, do not over extend yourself and join a large number of affiliate programs or sell too many products. It is best to start out with one solid affiliate agreement that pays a decent commission, say 50%, and concentrate on growing that business into a steady revenue stream. The goal is to start progressively and consistently increase your income with good traffic building and customer service techniques and practices. In this sense online business is no different than off line business; you want customer loyalty not customer service.

Once you have established your first solid business line, you can then move to a new one; one that will be based on customer feed back and market research you have gleaned from your first business line.

Pot Hole Three — Sell What You Have Bought and Tested

In order to promote and sell anything, you need to know what you are selling. What are the features and more importantly what are the benefits your product or service offers? You should be intimately knowledgeable of the problems your target customers are facing and how you can solve their problems. What you are doing by working this way is getting your target customer to buy from you without the need to sell. They should see you as a resource and a trusted solution provider with just what they need to make their life better.

For that to happen you need to buy, test and confirm that your product or service works. What are the benefits? What are the deficiencies? How does it work for your target market? Once you buy into the business solution you are offering, you will not need to sell it because your customer will sense at a very basic level your deep commitment to the business solution.

Conclusion

Many affiliate marketers make the mistake of taking a Shopping Mall approach by just picking hot or top ranked affiliate programs and setting up quick and dirty sales pages to promote as many as possible. That approach has some short term buzz but no long term legs. That explains why they continually come out with new promotions every week to make up for the drop off in business that comes with poor customer retention.

So take the time to build your business, one block at a time. Create a place where your customer sees you as a trusted solution and your customer will return, referrals will grow and your income will grow with your internet marketing program.

May Your Travels Be Prosperous.

Over the past 20 years Claude Pelanne has worked in a series of startup ventures including some of the first commercial webcasts. He is an internet marketer and serial entrepreneur. Feel free to distribute this article in any form as long as you include the resource box. For tips and resources to get into internet marketing visit cpelanne.com cpelanne or claudepelanne

 

If you are looking for dummies ebooks profit guide to make money as fast as possible, first this article to find out the easies and fastest way to make money using the resell rights ebooks that are collecting dust on your PC.

Guide For Dummies Ebooks Profit – Here is the Only Proven Way To Go:

Here are simple steps:

1.   Sort ebooks you already have and choose the best of them.

If you look through your PC download folder you will really find a lot of valuable ebooks, videos or software with resale rights which you even have not used yet. Choose the best ones and put all in one folder. Then sort them by niches.

Attention: I want to note again that you should use only ebooks with resell rights that can be sold by anyone for any price.

2.   Create an ebook store with the cheapest prices.

Now you can open an online store selling ebooks, videos and software for the cheapest prices not available anywhere else. I know even a popular ebook store where all evooks are sold only for $1. Therefore that store has most likely many buyers.

You can outsource creating store. Or you may join affiliate programs which offer free ready store included with tens of ebooks. I myself chose this way to save my time and money. In this case, the only thing you will need is to promote your store.

Conclusion:

This guide for dummies ebooks profit is a real plan that can bring in serious income if done properly. So start acting just today. 

What If I Would Offer You To Build Your Own Autopilot Cheap Ebook Store within 2 minutes, loaded with 112+ Hottest and Brand New Products for only $12 a Month?Visit http://www.squidoo.com/selling-ebooks-online to find out how I built my first online store selling ebooks within 2 minutes.

To get started in affiliate marketing, you need to find the right marketers. But this is easier said than done.

It is very difficult for new marketers to find the right market. Usually, highly experienced affiliate marketers know how to conduct research and spot opportunities on the Internet. This ability doesn’t come easily. A lot of time is needed to experiment to learn how to find the right markets.

One quick way to pinpoint a lucrative market, is through affiliate marketing. Affiliate marketing basically means that you will be promoting someone else products. If a sale is made, you make a percentage of the sale. If you don’t sell, you don’t earn anything.

The key benefit of affiliate marketing is that it’s risk free. All you got to do, is to start driving traffic to the offer. All it takes is a hundred visitors or so, and you have all the data you need to make an assessment for the offer you are promoting.

This is ideal for market research. You don’t need to spend thousands of dollars developing a product, only to find that the market is not receptive to what you have to offer. Once you find a strong offer, make plans to penetrate the market.

Everything starts from your affiliate marketing efforts. Using this simple approach, you can even test out several markets at the same time. You get all the market research you will ever need in just a few short days.

After that, simply focus more on the profitable markets. Simply scale your business by repeating what you have just done to rake in more cash.

To scale your internet business, you may wish to build a list. It sound simplistic, but list building works.

Here is an example. Let’s say you start off with just one product, and you sell it for $47. When you make a sale, you earn 47 bucks. If you make 10 sales, you make $470. To make more money, you have to acquire more customers. If you don’t, you can’t grow your business.

Let’s assume that your customer base doesn’t grow. Is there a way to grow your business? You can continue to develop more backend products. You are trying to sell to your existing customer base. Each customer is worth more to you now.

A customer lifetime value is the amount of profits that you make from the same customer. For instance, an individual who spends $10,000 with you over the next 10 years has a lifetime value of $10,000.

Things get exciting from hereon. Every customer equals a lifetime value of at least $2000 to you. You can spend $1000 to acquire the customer and still make a profit.

To make money, affiliate marketers must repeat the sales process. A sale is made, and a little bit of money is earned, but the customer has been neglected. Build a list, and focus on serving the same customers over and over again. It’s a downhill ride when you sell to people who already know who you are, and trust that you deliver.

Use a simple web form to capture emails so that you can get in touch with your prospects again. You may earn 5 to 10 times whatever you are earning now.