How to Know PTC that Probably SCAM

How to Know PTC that Probably SCAM?
Many ways...

1. Use free domain like co.cc, .tk, co.nr, ...
If the owner of PTC have big financial capital, he will not hire free domain. He must be hire paying domain that better. Its mean, don't join to poor PTC. If the owner is poor, what about the member?

2. Have standard design
There are some PTC script which have standard design, like bux.to. If the PTC owner is serious, he must be build good design for his website. But, sometimes there are PTC which standard design but pay.

3. No forum, no support.
It autenticate that the owner don't care with his members.

4. Has found bugs, but not repair soon.
If he have some bugs at his PTC and don't repair soon, it mean he cann't repair the bugs, or he don't care with his PTC because just want to get money and don't want to pay.

5. There are no payment in TOS/FAQ/Privacy Policy
Before desice to join PTC, first see about TOS. If there are no payment explaination, leave it.

6. The bill for advertiser is too cheap, but the pay per click is too high.
How this PTC can thrusted if his income lower than payout? He must be going broke.


PTC business is not safe business. Many SCAM and trouble here. This is the risk that we must accepted. But, this is no problem... We don't need money when we start PTC. So, don't affraid to SCAM if you don't invest money there. You will now lose money for this.

I hope this post can help u...

Why Some People doesn't like Adsense?

Google AdSense not Favourite Enough

At this time, many dollar hunter who doesn't like Google AdSense again. They usually would rather paid review, because faster and more easy at gaining dollar, or some PTC that can earn money certainly even so few dollar per click.


Why AdSense not Interesting?

There are some factor that not Interesting:
1. The process take a long time to get the first money (some one said need 1 year).
2. Need high traffic to get the proper earning.
3. The hard TOS.
4. Not support for Indonesian language.
5. The money send through check so take long time.


AdSense for me

This is really not easy, but some factor make me like AdSense:
1. It have good prospect. Some people can earn more than $100 every day.
2. Have high paying keyword, I ever get $0.88 for 1 click (it is high for me ^^)
3. It good way to learn internet business, because just need some action to make AdSense appear at our blog or website.
4. One of way to learn english.


To make Your Earning $100 ++ every day

I have some tips to get the target above (although I never reach that):
1. Afford to use english.
2. Have at least 4 blog to get $10/day. So, we must have 40 blog to get $100/day? No if you have high traffic for each.
3. Each blog with 1000 impression can earn $2 - $10
So, if you can choose HPK, you just need 10 blog to get $100/day.
5. The keys is traffic. You can get by ping (link to popular website), advertising, or SEO.
6. Keep update every day, keep posting, and learn from SEO master and AdSense master.
7. Never give up until reach the target.
8. You can add in comment...

I hope this tips is useful for you.

B-U-X.net return

After long time not active, B-U-X.net now rise again. You can acces your account there. I hear some news that Paidclicks Network will rising. After being attacked by DDOS attack, they can rise again. But, now just B-U-X.net that can be acces. The other like 10bux.net may will be the next.
B-U-X.net is good PTC. This the stats that I know, 25 ads per day, 1 cents per click and refferal click, 1.5 cents per premium click and 1.2 cents per premium refferals click, $5 minimum payout by alertpay. It's nice isn't it? It mean we can earn $0.25 per day if we single play (read: without refferals).
Beside that, there are many payment proof before this PTC take a rest for a momment. You can change the top ten PTC which will used to do our business plan.
For you that want to join B-U-X.net can click here (so I get one refferal :D)

Increase traffic visitor, income increase too

There are many ways that have explain about increase traffic visitors, but seasonal traffic is high traffic but we only can get at special event, some incident, some day or month, or the phenomenon which interesting. With high traffic, we can ensure our income increase, and Alexa rank increase too.


There are some ways to increase traffic :

My knowledge still very a little against which SEO master, or expert at SEO. But, its OK if I explain some ways that I know.

1. High traffic at national independence day, many interesting event like nationality song, the history about patriotism.

2. Traffic can increase at some incident.

3. High traffic about hot news.

4. Very high traffic at special event, for example at Christmas day and new years of course will bring in many seasonal visitors.

5. Traffic from sport event, world cup, champion cup, Thomas cup, Olympiad etc.

6. Traffic at president and vice president election, campaign, official scandal, corruption case, etc.


The source to find idea

I think many ways so that the idea emerge, just find the information which believable:

1. Televition
2. Newspaper, tabloid, magazine
3. Famous sites
4. From SEO masters
5. From any source which discussed hot news.

There are some knowledge that I know. If you know something that I not yet write above, you can giveing notice, because what I write may be wrong or antiquated.
I hope that your visitors can increase and of course your income increase.

Passive Income from Adsense

Passive income is that we can enjoy our life without think about our business, but our business still work without us. What about google adsense? Google adsense is one of many business that can make passive income. How it work?
You just make your web or blog can bring in many visitors and you can earn dollar from this. How to do that? Make your web or blog appear at first page in search engine like google or yahoo.
Because I'm not a master about this, you can learn from many master adsense in the world. I still learn too.

Become a Professional Internet Marketer

Become a Professional Internet Marketer or a only adept at SEO, or consultant SEO, or just sell something in internet. This term is really stunned me, but I will explain some experience from many source and the one is from my friend that all this time have been only sell something through internet or online trading, not professional internet marketing.
This definition usually diferent for each people, but on my opinion there are some basic matter between professional internet marketing and a common seller in internet.


The criteria of professional internet marketer :

1. Just sell good item and accountable for the item.
2. Not only a common sell, there is a process to support.
3. Give the true information about the prominence and the debility.
4. Oriented at customer satisfaction, not only find the profit as big as can.
5. Build good relation with customers so they feel served good.
6. Often happen repeat order, because the customer feel satisfied.
7. Make the customer as king.
8. Internet marketer as a servant.
9. Don't give too hyperbol information, so the customers don't feel tricked.
10. You can add so that become more complete and accord with my objectives.

I'm sorry to explain this article, because I'm not a professional internet marketer, I'm just want to try posting that I know from some of my friend, but I ever hear we may confidently, as long as not arrogant.

Confusing find jobs, here many jobs.

Confusing to find jobs? Here many jobs. We don't need skills, experience, or money to start. You just can read, and can English language is better. Ages is not limited. Young, old can join. Men, woman, married or not is no problem. All can start. Time to work is free. You want morning, evening, mid night, all can. The wages is up to you, you decide $1, $10, $100, $1000 every month, week, or day.
There are many words which will be appear in internet, finding online jobs. Too many variation, and sometimes confused you, moreover if you newbie. Long time ago, I confuse in internet too, and now I still confuse for internet business. What the easy internet business! Is that advertisement not lie, lie, or just want their advertisement bring in many visitors? Or, indeed can earn money, please try to ask they who can make more than $100 every day from online business.

I Start Without Money

Hmm... may be you don't believe me I start my business without any money first. I really start without money. I start with free business like PTC, adsense, and join to affiliate which the website is my belong my friend. I just start with computers which connected with internet speedy which I put on just now (3 - 4 month ago).
Before that, I really don't know about internet. I don't have any email, what is yahoo or google, I don't have all. I just know, I can open internet from internet explorer or mozila. And opera I know not long time after that. I really newbie in internet at that time. But, now I can understand a little about internet. I still learn all about internet specially in business. We can learn together. I have earn dollars, but I have not cash out it. So, I really don't spend any money first but internet bills.

What I get from internet business

From burning desire and hard work, I will get :
1. Money every day, if I want I take it (when? I don't know)
2. The knowledge that now easy
3. Experience, hmm.. experience is the best teacher
4. The brave to go ahead, if must sacrifice.
Try to start business from zero

Life must enjoy, when you lost, you get the lesson, when you take profit, share with others. Although must start from zero or moreover from minus, its ok. Because, if we give up, we close ourselves opportunity.

At least, we found the information, blogwalking, so we found the way out :
1. We need right teacher.
2. Need enough time.
3. Need serius and spirit.
4. Need right information.
5. Need many experience.
6. Need money appropriate with the project.
7. Need more energy.
8. Need learn and then trying.
9. Need patience, perseverance, and the commitment.
10. Need good plan and focus to that plan.
11. Need try out and online business school which give guaranted.

Here my post... I'm sorry if you sad with or don't agree with my post.

New secret at buxdotcom etc...

Buxdotcom.com... I don't know this PTC can thrust or not. But some of my friend have get cash out from this PTC.
After hacked by some one, buxdotcom return again. I like this PTC because simple at clicking, doesn't need image on, and can be refreshed many times.
I have some secret here...
buxdotcom.com can be refreshed many times. I have try it. First, you can clicking the ads like usually you did. If all ads have finished clicked. Right click and reload. You can see, the new ads will appear. Just few ads, just 3 or 4. You click again. You refresh again. There will decrease ads each refresh. Until 3 or 4 times, there is no more ads. So you can click ads again next day.
This method also work in PTC that long time (3-4 days) you left.
Clickin.me can be refreshed 2 times a day. Each 12 hours refresh.
I just sharing this. May be this too few too post, but its ok. I have no much time. I just typing what I know. And my english is bad. You can see at my posting. hahaha.... Thank you for your attention...

Lastest news...

Croclix and world-clix is being attacked DDOS. CWC network is being attacked by DDOS. I don't know they can rise again or nt. But, you must watch out.
But, I think they will back, but I don't know what time. So, The ten PTC that I have choose will remake. Or, you can change world-clix with other PTC that have same PPC and other specification.
Buxp.info that we cannot acces for long time, now we can acces again. I think Buxp.info can be thrust. They have good operator. My friend also have get cash out from buxp.info.
Clickin.me can be thrusted. They have pay my friend four times. We can use this in top ten PTC.
B-U-X.net still died.
10bux.net still died.
xclix.net still dead.
Buxdotcom return. After hacked by some group from arab, this PTC can rise again. Congratulation...

Best PTC for me

We have explain, what is PTC and how to earn money from PTC. Now, what PTC must we choose to earn money?
For you who don't know what is PTC click here...

I have information that Neobux is the best PTC in the PTC world. The layout indeed very good. But the promise is not suitable with the fact. Neobux said $0.02 per click. But I try to click, just earn $0.01. Beside that, Neobux also make us to waiting the web to finish loading, because if we press esc key in keyboard, the timer is not work. But, the good news is we must not activate the image, bacause we will not click the suitable number like captcha like at others PTC, example earn3, extra10, and buxout that make us to activate the image. And the ads just appear 4 per day. So, we just earn $0.04 per day. This is too small earning isn't it? But, I donn't know if there are some good service that I don't know. And, I can promise to you if this PTC is 100% pay and not SCAM.
So, what's good PTC? I think, Taketheglobe.com is good PTC. Although the "pay per click" just earn $0.005, but the ads provide 40 or more per day. So, if we count, we can earn $0.2 every day. Hmm... It's big earning for free business.
I also see foxcash is good PTC. They can pay $0.015 per click. The ads provide 14 - 15 per day. We can earn more than $0.2 per day. Foxcash also give $0.01 for referral click. IT is big earning fr referral click. But, sometimes there are some problem with the website. Last week, I hear that is SCAM. There is some trouble. But, I still doing clicking at foxcash. It is the greater PTC can earn that I ever seen. For you that have became member at foxcash, just go ahead. This is good PTC. because the problem is to join become new member (if I donn't hear the false issue).
The thrusted PTC is Isabelmarco. This PTC still glory beside its old ages. But, the old ages make its has good reputation because although has old ages, its still alive and more great.
Isabelmarco has many members, and has many payment proof. Its also has good quallity for "not referred member" that will sale. My friend buy referral from Isabelmarco and said the referrals are active more than 80%. So, join in this PTC because this PTC can be thrusted.
The other PTC that have good reputation and many payment proof are thinkbux, crewbux, earn3, extra10, and clixmx.
PTC like xclix.net, B-U-X.net, and 10Bux.net are good PTC before. But, they died now. I don't know if tomorrow they can rise again. Before die, they good PTC that have many payment proof too. xclix.net is one network with foxcash, so foxcash have bad effect to its reputation for this problem. B-U-X.net and 1-Bux.net is one network that paid clicks network. I hear, they die because DDOS attack. But, I don't know if tomorrow they can rise.
Still clicking and and join all PTC. Because you will not lost anything for join PTC. Click here to join to many PTC today...

How to safed time when clicking PTC sites

I have some secret about clicking PTC sites. Sometimes, we want to make clicking activity fast, but we must wait until 30 second or 20 second before we get the money. We also must waiting for loading of website to appear the timer at the top corner.
Some PTC can did this secret method at clicking, but other PTC can't. We can press Esc keys in keyboard to stop the website loading and start the timer. So, we must not wait until the website finish all loading, so we can make the process faster.
But, when we press esc? We can press after the logo of PTC apear and the website roll in the right appear. If it not yet happen, the timer will not appear too.
Some PTC that can did this are taketheglobal, bux.to, buxdotcom, clickin.me, ara-bux, foxcash, clicmx, thinkbux, ect.
For more faster work, we can disable image, so we can load the logo and website roll faster.
But some PTC make us must waiting after the website loading like neobux and buxout.
Some PTC also make us waiting until the loading finish because there is a code that we must press suitable with the code that appear. So, if we don't waiting and activate the image, we can't see the image and we don't get the money, and our work is nothing.
You also must open some PTC at same time. For example, you open 4 PTC at same time, so you can jump from one PTC to the other and you don't waiting for nothing. You can make your work faster and more effective.

SCAM list

There are SCAM list that I take from many website :

1-9

1-800-mail.com

1-dollar-mail.com

100-dollars-mail.com

100cents-1000dollars.com

100dollarsmails.com

100euromails.com

100usd.com

10dollar-mail.com

1stprofit.com

2-dollar-mail.com

2-opt.com

Publish Post

200cents-2000dollars.com

200dollarmail.com

200dollars-email.com

200dollarsmail.com

200eurocent-200euro.com

200euromails.com

200euromails.net

20dollarsmail.com

20euromail.com

247payouts.com

25-dollars-mail.com

25dollarsmail.com

2dollaremails.com

3-dollar-mail.com

300dollarsmail.com

30dollarsmail.com

37-21mail.com

400dollarsmail.com

500cents-500dollars.com

500cents-500dollars.net

500cents-500dollars.org

500dollars-mail.com

500pounds-and-500pence.com

50dollarsmail.com

520searcher.com

520searcher.com

5cent-emails.com

5dollarmails.com

60de.com

60dollarsmail.com

60euromail.com

6cent-emails.com

7cent-emails.com

7centsolos.com

7thheavenptr.net

8000-cash.com

80euromail.com

8848email.com

8cent-emails.com

999-mail.com

A

a-n-cash.com

aaa-mails.com

ad-fortune.com

adonlyptc.us

adsclicker.com

adsmaker.net

advertisingcentral.biz

aglocomails.com

ahacash.com

allcashmail.com

allpayoutemail.com

allyousubmitters.com

almiyachts.com

alpha-cash.com

alwayspay.com

amazingcashmails.com

american-mails.com

amigoemail.com

annies-biz.com

apachemails.com

apolloemail.com

applemails.com

appolomails.com

aprilgoldgetpaid2reademail.com

arcadian-mails.com

arcane-mails.com

arcsurvey.com

artemisemail.com

atom-mails.com

auction-emails.com

availablemail.com

awsurveys.com

B

babyloncash.com

banana-mails.com

bank-mails.com

beansngreens.com

beehivemails

best-hyip.be

bestflymails.com

beta-cash.com

bettybucks.com

bigdollat-mails

biggestdollars.com

bigpaymail.com

bluegoldemail.com

bluemoon-emails.com

bluerwebmail.com

boffopaidmail.com

bondjamesbond.net

boss-mails.com

bournemouthbreeze.com

bravevolitation.com

bugcash.com

buxeuro.com

C

calendardays.com

camel-mails.com

can-discount.com

cannabismails.com

cash-kitty.com

cash4hits.com

cashbux.com

cashcatchers.net

cashfiesta.com

cashflow-mail.com

cashnclicks.com

cashpointclicks.com

cashread.com

cashsea.com

casino-mails.com

cat-mails.com

cat-ptr.com

catch-cash.com

cclass-act-clicks.com

cgcash.info

charm-mail.com

chobit-mails.com

chobitmails.com

chobitsmails.net

class-act-clicks.com

classical-mail.com

click-mails.com

clickbux.org

clickbuxx.com

clickingmoney4u.com

clickoly.com

clicksformoney.com

clicktopsites.com

clonebux.com

clown-mail.com

coast-mail.com

coastmail.com

coffee-mails.com

coffeeclubemails.com

comet-mails.com

compactmails.com

cooperativemail.com

copymails.com

cosmicwealth.com

coverclicks.com

cowboy-mail.com

crabmails.com

crazy-4-cash.com

crazysweetheartmail.com

cream-mails.com

D

dayday-mail.com

daydayupemails.com

dayslook.com

dearnetwork.com

deepseacash.com

delta-cash.com

devclix.com

diamondbux.com

digital-mails.com

digital-ptr.com

dixieclicks4cash.com

dj-mails.com

dmcashmails.com

dollar-factory.com

dollar-send.com

dollarsinvasion.com

dollarslove.com

dollarsmaker.net

dolphincents.com

dragone-search.com

dragonhole.com

dreamscometruemails.com

dreamstarmail.com

driftermails.com

drumcash.com

dungeonanddragonemails.com

duno.com

dynasty-mails.com

E

e-mailpaysu.com

e-mailptr.com

eagleclicknet.com

earn-emails.com

earn4read.com

earnptr.com

earnup.com

electric-mails.com

elephant-mails.com

elephantadvertising.com

email2rewards.com

emailpremium.com

emailprofit.us

emails-empire.com

emailspayu.net

emaispayu.net

emeraldcoastptc.info

energy-mails.com

englandbux.com

enjoyfunds.com

eqmails.com

euro-mails.com

eurobux.org

eurocentsmail.com

expert-mails.com

extra-mails.com

F

fairydollars.com

fairytaleptr.com

farland-cash.com

fastbux.com

feer-mial.com

feermial.com

fillmyaccount.com

filmyinbox.com

first-mails.com

flashrich.com

flyawayhits.com

fortune-cash.com

fortune-mails.com

fortuneemail.com

funkycashmail.com

futureptr.com

G

gamma-cash.com

geckomails.com

gem-mails.com

getor-mails.com

getpaidbyemail.com

getpaideasy.com

getpaidwatch.com

giga-cash.com

girlsmails.com

goaio.com

gogocash.com

golddonkey.com

goldenemail.com

goldptr.net

golfmails.com

goodluck-email.com

google-mails.com

gowellup.com

graspaftertime.com

grassmails.com

greatmails.net

green-cash.com

greetgold.com

H

halfmillionmails.com

happybizs.com

happyearning.com

happyptr.com

harleybabes.net

helen-mail.com

highbidppc.com

himalaya-mail.com

holiday-mails.com

hollywood-mail.com

honestmails.com

honestptr.com

horse-mails.com

huge-mails.com

husky-mails.com

I

ice-mails.net

ignifuge.com

ilikeemails.com

instant-dollars.com

intgold.com

invest-mail.com

ippomails.com

ippomails.net

J

jade-mails.com

jays-paidmail.com

jayspaid2read.com

job-readmail.com

junglecash.com

jurrasicmails.com

justcashinc.com

K

kiddays.com

kitcatcash.com

klikini.net

kokocash.com

L

libertycash.biz

lightstarmail.com

lilmails.com

linkread.com

lion-mails.com

lion-solomail.com

littleengineptr.com

loading-mails.com

logans-legacy.com

lolclicks.com

lookingemail.com

lostinthe50sptr.com

lovebird-mails.com

loveburd-mails.com

loving-mail.com

M

magicalmails.com

magicash.com

magnetismail.com

mailingmania.com

mails2earn.net

malisanko-emails.com

manateemania.com

mangoemails.com

many-mails.com

maystromails.com

maystromails.net

medal-mails.com

mega-ptr.com

megaptr.com

meggarichemails.com

mellow-mails.com

metal-emails.com

metalpaidread.com

meteor-mails.com

michellesrandomizer.com

mighty-mails.com

milion-mail.com

million-mails.com

millionaire-mail.com

mimimcash.com

minibux.com

moneybagsmail.com

moneybux.com

moneyclicks.biz

moneydogptc.com

moneyems.com

moneymouser.com

moneys-bank.com

moneysbank.com

moneywithinternet.com

monopoliyer.net

mushroomsmail.com

mygpt.com

mysweetheartmail.com

N

nature-mails.com

netgold4u.com

niceptr.com

nickel-clicks.com

nickelsbyemail.com

nike-cash.com

njgirl.biznominiminum-payout.com

nocs.us

npamail.com

number-emails.com

numenmail.com

nutcase-mails.com

O

ohomails.com

ok-ptr.com

ok-usd.com

okayemail.com

olympic-mails.com

one-mails.com

onedollarmail.com

oneeuromail.com

oneperson-mail.com

onlygravy.com

onlyonebucks.com

orangemails.com

orion-mails.com

ourpaidmail.com

oursharedsuccess.com

P

paidbizopmail.com

paidbux.com

paidemail.com

paidmail.ru

paidmailengine.com

paidsolos.com

paidstation.com

paidtoclickusa.com

paidworld.com

paidyousure.com

panther-mails.com

papajuan.info

payingcash.info

payment-mail.com

payout4all.com

payyou123.com

payyoudollar.com

pekingcash.com

penny-clicks.com

perfect-emails.com

petromails.com

phoenixcash.info

pig-mails.com

pizzamails.com

platinum-investment.com

platinum-mails.com

polarbearmails.com

popomails.com

power-mails.net

powerbux.org

powersmails.net

prestige-emails.com

pretti.mail.com

pretty-mail.com

prettyptr.com

profers.com

professionalmails.com

profit-sharing-concepts.com

profitfrommails.com

profitptr.net

ptcad.net

ptr-enterprise.com

ptr-hun.info

ptr-trading.com

ptrforce.com

ptrland.com

puma-mails.com

pumpkin-mails.com

puppypaid2clicks.com

Q

quality-profits.com

R

rabbit-mails.com

rainbow-mail.net

rainbow-mails.com

random-pay-emails.com

raveymails.com

readmaileveryday.com

readrevenue.com

realmails.com

richmails.com

rivermails.com

road-mails.com

rocknrollptr.com

romancemails.com

rosenet-emails.com

royalcash-mails.com

royalinvest.biz

S

satin-mails.com

scarlettmails.com

sea-mails.com

seasonmail.com

secret-mails.net

seek-cash.com

seekbizs.com

seekcashmail.com

sepooq.com

seriousbucks.com

shalomptremail.com

sharedmails.com

silvanamails.com

silvanamails.net

siteclubemail.com

sky-wolf.net

skyline-mails.com

smile-email.com

snapdollars.com

solarclick.com

solocents.com

sosocash.com

southmails.com

spedia.com

spedia.net

speed-mails.com

spidermanemails.com

sprint-cash.com

startmails.com

strongptr.com

studio-mail.com

sun-cash.com

sunday-mails.com

sunflowersptr.com

suns-cash.com

super-mails.com

super-program.com

superstarmail.com

surfanearn.net

surfjunky.com

surfjunky.com

surforhits.com

surprisemails.com

swingmails.com

systemmails.com

T

tarbux.com

tasiaspaidlinks.com

tata-cash.com

tendollarsmail.com

teneuromail.com

thebux.com

thecashdoctor.com

thegoldclick.com

thegoldmail.com

tide-mails.com

timelessearn.com

tnt-e-mail.com

tomato-mails.com

tombmailer.com

tomoonmail.com

tons-referrals.com

topdollaremails.com

trade-mails.com

tropicalmails.com

troy-mails.com

trustfulmail.com

trustmails.com

tuesday-mail.com

turn-around-day.com

turtle-mails.com

twister-mails.com

twodollarsmail.com

tycoonmails.com

U

unionptr.com

united-empire.com

unitmails.com

universalclix.com.br

usa-canada-email.com

V

vejaseek.com

velvet-mails.com

veoda.com

vice-ptr.com

viper-clicks.com

viper-clicks.com

W

waggintailsemails.com

warm-mails.com

webbercash.com

well-email.com

western-mails.com

wet-clicks.com

whaleintomail.com

wingmails.com

woo-mails.com

worldwidemails.com

wowearnings.com

X

xtraclicks.com

Y

yippeemails.com

Z

zero-investments.com

zwallet.com

If you want to join PTC, I provide to you the PTC that safe... Click here...

New PTC list that safe

For you that don't know PTC click here...
There are some PTC that I recommended for you :

Clixmx.com
Standard pay per click, ref click, and payout. Good reputation in PTCtalk forum. Many proof, one of the best PTC for me.
Pay per click : $0.01
Pay per referral click : $0.01
Payout : $10
Ads per day : 10

Isabelmarco.com
This is one of the most favorite PTC. Many people like this PTC. Proof of payment is very many that more than 100. Old PTC, but very good.
Pay per click : $0.01
Pay per referral click : $0.007
Payout : $9
Ads per day : 10

Taketheglobe.com
New PTC that very interesting. Very very many ads per day... 40 or more ads for free member, 80 or more for premium member. Good payment, many proof, fast support. This PTC can earn dollar faster than others.
Pay per click : $0.005
Pay per referral click : $0.0025
Payout : $10
Ads per day : 40++

Thinkbux.com
Few ads for standard member, but very low minimum payout that $5. Can using paypal. This is the fastest PTC at paying (24 hours).
Pay per click : $0.01
Pay per referral click : $0.005
Payout : $5
Ads per day : 7

Crewbux.com
Low minimum payout, few ads, good payment, Many proof of payment, more than 100.
Pay per click : $0.01
Pay per referral click : $0.005
Payout : $5
Ads per day : 7

Earn3.com
good layout, same owner with extra10.com, very good reputation in PTCtalk forum.
Pay per click : $0.01
Pay per referral click : $0.01
Payout : $3
Ads per day : 8

Extra10.com
Good layout, many proof, has same owner with earn3.com
Pay per click : $0.01
Pay per referral click : $0.01
Payout : $10
Ads per day : 10

Foxcash.net
Has great pay per click for free member
Pay per click : $0.015
Pay per referral click : $0.01
Payout : $10
Ads per day : 15

World-clix.com
Pay per click : $0.01
Pay per referral click : $0.01
Payout : $10
Ads per day : 8-10

Mainbux.com
Pay per click : $0.01
Pay per referral click : $0.005
Payout : $6.99
Ads per day : 8-10

Neobux.com
Most people said this PTC is the best. very good layout, proof, and very safe security.
Pay per click : $0.01 - $0.02
Pay per referral click : $0.01 - $0.02
Payout : ??
Ads per day : 4-5

B-U-X.net
After take a rest from DDOS attack, he rise again.
Pay per click : $0.01
Pay per referral click : $0.01
Payout : $5 first, $10 second, $15 third, and so on.
Ads per day : 25



There are under trial, you can try too :

Clickin.me
This PTC refresh their ads twice a day (12 hours), so there is more ads can be click.
Pay per click : $0.01
Pay per referral click : $0.005
Payout : $1.99
Ads per day : 10 x 2 = 20

Gaborbux.com
low minimum payout.
Pay per click : $0.005
Pay per referral click : $0.005
Payout : $2
Ads per day : 7

Ara-bux.com
Has true license.
Pay per click : $0.01
Pay per referral click : $0.01
Payout : $10
Ads per day : 15

Therichcash.com
Therichandcash network, still safe until now
Pay per click : $0.005
Pay per referral click : $0.005
Payout : $1.5
Ads per day : 9

Buxfantasy.net
Very good layout.
Pay per click : $0.01
Pay per referral click : $0.005
Payout : $5
Ads per day : 10

BuxP.info
Good PTC, has very good reputation in forum, but now (when I write this post) has some problem with their hosting.
Pay per click : $0.005
Pay per referral click : $0.0025
Payout : $7.99
Ads per day : 20

Croclix.com
Pay per click : $0.01
Pay per referral click : $0.005
Payout : $5
Ads per day : 10

07bux.net
Pay per click : $0.01
Pay per referral click : $0.01
Payout : $10
Ads per day : 15

buxdotcom.com
This PTC can be refresh 3 times, try it!!
Pay per click : $0.01
Pay per referral click : $0.01
Payout : $10
Ads per day : 10++

bux.to
This PTC has bad issue that the payment is take a long time, I think this site will pay and not SCAM. Some proof of payment.
Pay per click : $0.01
Pay per referral click : $0.01
Payout : $10
Ads per day : 15

Buxout.com
New PTC, instant payout, good security.
Pay per click : $0.01
Pay per referral click : $0.01
Payout : $5
Ads per day : 5

How to earn $100 / day from PTC click here...

How to earn $100 / day from PTC

If you don't know what is PTC click here.

Attention: This is a simulation some PTC that still safe when I write this post. You can join all PTC here, but it will better if you check first. But, if one of many PTC here is SCAM, don't worry, because you will not lose any money (all free).

This calculation is doing with your selves without need money first and without find referrals first. You can do individually.

Before we count, there is terms and conditions :
1. Percentage of referrals that we buy from PTC website we regarded all active 50%. If in the fact more than 50% or some referral upgrade their status, it will make the process faster.
2. PTC which chosen is PTC that good and safe as survey. But, some PTC that has regarded safe but died in several month. So, I use 10 PTC. So, if one of these PTC die, there are the others... If you want to join other PTC or you have been join to other PTC, keep clicking... It will make the process faster...


There are PTC that I use :

Clixmx.com
Standard pay per click, ref click, and payout. Good reputation in PTCtalk forum. Many proof, one of the best PTC for me. Payment for standard member at last 14 days from cash out day.
Pay per click : $0.01
Pay per referral click : $0.01
Payout : $10
Ads per day : 10

Isabelmarco.com
Old PTC still glory. This is one of the most favorite PTC. Many people like this PTC. Proof of payment is very many that more than 100. Old PTC, but very good. Transfer by alertpay or paypal. 40 days pending at payment.
Pay per click : $0.01
Pay per referral click : $0.007
Payout : $9
Ads per day : 10

Taketheglobe.com
New PTC that very interesting. Very very many ads per day... 40 or more ads for free member, 80 or more for premium member. Good payment, many proof, fast support. This PTC can earn dollar faster than others, but this PTC is safe. Long payment pending is 30 days for premium member, and 60 days for standard member.
Pay per click : $0.005
Pay per referral click : $0.0025
Payout : $10
Ads per day : 40++

Thinkbux.com
Few ads for standard member, but low minimum payout that $5. Can using paypal. This is the fastest PTC at paying (24 hours).
Pay per click : $0.01
Pay per referral click : $0.005
Payout : $5
Ads per day : 7

Crewbux.com
Low minimum payout, few ads, good payment, Many proof of payment, more than 100.
Long of payment pending is 5 days for premium member, and 30 days for standard member. Using alertpay and paypal.
Pay per click : $0.01
Pay per referral click : $0.005
Payout : $5
Ads per day : 7

Earn3.com
good layout, same owner with extra10.com, very good reputation in PTCtalk forum. Fast at paying, very low minimum payout.
Pay per click : $0.01
Pay per referral click : $0.01
Payout : $3
Ads per day : 8

Extra10.com
Good layout, many proof, has same owner with earn3.com. safe...
Pay per click : $0.01
Pay per referral click : $0.01
Payout : $10
Ads per day : 10

Foxcash.net
This is the greatest pay per click for free member ($0.015), for referrals ($0.01). Pending of payment is 15 days for premium member, and 30 days for standard member. $10 payout by alertpay.
Pay per click : $0.015
Pay per referral click : $0.01
Payout : $10
Ads per day : 15

World-clix.com
CWC network, well known as safe PTC network.
Pay per click : $0.01
Pay per referral click : $0.01
Payout : $10
Ads per day : 8-10

Mainbux.com
The richcash network, well known as safe PTC network. Mainbux will pay you within 30 days for standard members and 15 days for premium members.
Pay per click : $0.01
Pay per referral click : $0.005
Payout : $6.99
Ads per day : 8-10



OK. lets start step by step...

1. Sign up to all PTC above, if you have register to other PTC, keep clicking don't stop! It will make the process faster.

2. Click all ads in those PTC every day, at week of 11 - 12 (3 month) you can cash out your earning from clicking an amount $75.15 ($61.65 is pending) from TakeTheGlobe, Thinkbux, Isabelmarco, earn3, foxcash, and mainbux.
Your daily earning now is : $1.135 (we click withouth referral)

3. At week of 12 at same time, you can buy 10 referrals at TakeTheGlobe ($12.99).
Your daily earning now is : $1.635 (we click with 50% active referrals)

4. At week of 14, take take the money from clixmx, extra10, and word-clix in $30. At same time, you get the pending money $34.65 from crewbux, foxcash, and mainbux. You can buy 35 referrals from ClixMx.
Your daily earning now is : $3.385

5. At week of 15, you cash out in clixmx $12.25, and get the pending money from IsabelMarco $9, buy 5 referrals from IsabelMarco ($8.5).
Your daily earning now is : $3.56

6. At week of 16, you cas out $31.85 from TakeTheGlobe and ClixMx.

7. At week of 20, you get $64.5 from taketheglobe, clixmx, extra10, word-clix. Buy 35 referrals in foxcash and 20 referrals in taketheglobe.
Your daily earning now is : $7.185

8. At week of 24, cash out all, $220.5. Buy referrals 100 foxcash, 100 isabelmarco, 15 clixmx.
Your daily earning now is : $18.935

9. At week of 30, you get $852.075. You can upgrade member at Isabelmarco, taketheglobe, etc, for fast payment. If you using all money to buy referrals again, for example : 500 foxcash, 500 extra10.
Your daily earning now is : $81.435

10. At 10Th month, you take $5700.45 Buy referrals at all PTC, and your earning more than $100 / day.

If after that you continue at infest, your income is unlimited. It's up to you. This is not impossible your income $1000 / day.

Remember, all is doing without find referrals. If you can find referrals, it became faster.
Remember, all is regarded that active member just 50%. If the fact is more than 50%, so it will happen faster.

What is the risk? The risk is one of them is SCAM. But, when this post create, all pay and safe. If there is SCAM PTC, don't worry, because still many other PTC outside you can try.

What is the benefits? Without big modals. Just need computer and internet. And of course patiently and honest.

Ok. Keep trying, and clicking, and refers other for give this bless. And I don't guaranted that all PTC above is not SCAM.

Other article : Other good PTC

What is PTC? (questions and answers)

What is PTC?
PTC is Paid to click. From this we can know that we will paid to click something

We clicking what?
of course ads

We can earn money from this?
Yeah... you will paid for this

We need money to start PTC?
No. We don't need money yo join PTC, and we can start earn money after we join.

We need skill?
No. We don't need any skill, because we just clicking and we can earn dollar from this.

So, what we need?
Hmm... We just need computer, internet, and a little time to click

How this business can work? How the owner of PTC sites can take benefits?
1. Some website want to promote their website so make many visitor.
2. They can put on their link at PTC and they pay for this.
3. We as a member of PTC click the ads.
4. PTC owner get money and share with us for a percentage.
5. After we reach some target, we can cash out the money by anything that PTC site agree.

What is the paying method?
Most PTC using alertpay. Some PTC also using e-gold, paypal, or chek.

How PTC paid us?
It is different for each PTC, but most PTC paid us US$0.01 per click.

What? $0.01? it's to few earning.. How we can make much money from PTC?
you don't paid just for clicking by yourselves, but you can refers other people to join PTC under you. If your referrals clicking ads, you also get money for this. For example, you have 100 referrals, and each referral click 10 ads per day. So you earn 100 x 10 x 0.01$ + $0.01 x 10 = $10.1 per day. Not enough? Lets use other way...

What is the other way?
We can upgrade your account become premium member (some PTC call gold member). But it's not compulsory. If you have earn much money, you can invest by upgrade your account, so you will earning faster. It can be 200% from standard member.

How many we get money from our referrals?
It's also different each PTC, but most PTC have 100% referrals earning. It's mean if your referral get 1$ to click, you also get 1$ to doing nothing. This is delicious isn't it?

How much we can make money from PTC?
You can make money up to you. This is not limited. You can make as many as you can.

Who paid us?
Of course sponsor that put on their ads at PTC and they pay us through PTC sites.

How long time we need to view each ads?
Usually we just need 30 second. Usually In top of website will appear the timer. If the timer show 0 and done, you can close ads site then click the other ads.

So, we must look every ads for 30 second to earn money? How if we click 100 ads?
No. You just click the ads, after the ads site open, we can change the tab and doing other jobs. So you can click 100 ads without waste your time.

Hmmm... so, if we want to earn much money, we must find people that agree to join with us? This is so tiredly.
No, you must not find people for get referral. You can buy referral here.

How referral that we bought can work? From where they come?
All referral that sale by PTC is peoples that join without referer (upline). They join to PTC without through other members.

How if referrals that sale have sale all (empty)?
This may happen, but rather happen. Usually just great PTC which have many member can sell referrals. So don't worry.

Hmmm... how if the owner of sites closed their project?
This mean that sites is SCAM. Many SCAM in internet business, but also many sites that paid well. We must have knowledge to choose which the good PTC, and which bad PTC. We can learn this.

Ok,I will surd ads now!!
Good...
By the way, if You satisfied with my article, you can join as my referral :D
Most of PTC that I join have name referral "black_ruby". If you want to join easily, click the link at my blog, or click here.

Ok, but, how to register?
It is simple. First, click PTC name in this blog, then entry registry.
You fill all form that requested. Then click submit / register
If done, just log in and you can start making money.

It's done... But, where is the ads?
Usually at the top menu "Surf Ads" or "View Ads" or "earning area", etc.

Well... Thank you for all
How to do PTC well? click here to earn $100 / day

buxfantasy

Has good layout. This site is new. I think this PTC is not SCAM. $0.01 per click, 5$ payout through alertpay.

About BuxFantasy.Net

BuxFantasy.Net is an incentive based advertising community where the members will receive $0.010 for every ad they view for 30 seconds and also receive a percentage of what all their direct referrals earn. You can do the same now.
Advertisers need visitors and they are willing to pay you for it. Signing up is free and only takes seconds.

You don't need any skills!!

With BuxFantasy.Net you don't need any skills. This is because all you need to do is visit the sites we provide you with.

How Much Can I Earn?

If you click 10 ads a day, you refer 100 members who click 10 ads a day, you could earn up to $1,800 yearly.
There is no limit in the amount of websites you visit or referrals that you obtain. With more referrals or ads the earning potential is endless. More

Earn Money in Just 3 Easy Steps

You want to earn money in seconds with BuxFantasy.Net?? Then View, Click, and GET PAID!!

...View

BuxFantasy.Net is a new innovative, international and FREE English based service that allows advertisers to reach thousands of potential customers by displaying their ad on our "View Ads" page..

...Click

You view websites for a few seconds, via the "View Ads" page. Once the few seconds is up, you'll either get a green tick sign or a red 'X'. The green tick sign means you've earned money for the visit and the 'X' means you have not earned money for the visit

Get Paid

If you have the minimum amount accumulated, you can click on your account balance within your stats area and it will submit your request.

visit website...

gaborbux

Good comment in PTC forum, 0.005$ per click and referral click. 2$ payout through alertpay.

The difference's:
- you can contact with admin
- when you buy you receive it instantly
- fast and low payouts
- as an advertiser you are able to target your advertisements
- Admin take the suggestions of members

Register and try out Gaborbux!

ara-bux

This PTC has licence and upgrade proof of payment with last payout for ara-bux member. Has 15 ads per day, and the special is give us $1 to join.
$10 minimum payout through alertpay. $1 per click and referral click. $1.25 per premium member click and premium referral click.

SPECIAL INTRODUCTORY OFFER!!! Join now and receive a $1.00 Sign-up Bonus - Limited time only!
Standard members get paid $0.01 for each website viewed and $0.01 for each website viewed by referrals.
Premium members get paid $0.0125 for each website viewed and $0.0125 for each website viewed by referrals.
Inactive Referrals replaced within 24hrs!
Premium Members are paid within 10 business days! Standard Members are paid within 30 business days.
Payments are processed via .
The minimum payout is $10.00.
Dedicated Support Forum!

ARA-UK.com Ltd. has been involved in online business for over 4 years, and has grown to provide over 10,000 members a reliable and efficient service. Now YOU can benefit too!

The owners of ARA-UK.com Ltd. bring you this exciting and easy way to earn money online! ARA-Bux.com is now live!

Earnings Example
» You click 20 ads per day = $0.25
» 20 premium referrals click 20 ads per day = $5
» Your daily earnings = $5.25
» Your weekly earnings = $36.75
» Your monthly earnings = $157.5

The above example is based on a Premium member with only 20 referrals and 20 daily clicks. Premium Members are guaranteed to have at least 20 ads available. What if you had more referrals? What if there were more ads available?

visit website...

therichcash.com

This PTC special because has low minimum payout with alertpay. $0.5 per click, $1.5 minimum payout.
Have you ever heard about the PTC model being problematic and it not working? With TRC this statement is redundant. TRC is a new system, which is coming with an innovated model of PTC. This is acceptable for all three parties concerned: Administration, Members and Advertisers. We are offering to all these groups’, new features which are not available in other systems. We bring to you our users, a subtle money making system on the internet. The costs of this system are persistent due to the high interest of advertisers for our services. This is caused by the high quality provided by our administration staff, where advertisers can trace and keep abreast of their running campaigns. Satisfaction on both sites ensures lasting profitability on the system for the entire lifetime of the campaign.
We offering to you $0.005 for each claim advertisement viewed. Your earnings as members, which you will receive from the system will be 50%. It means that you will get 50% of their earnings. These prices are a slightly less than those of our competitors, but they present an efficient rate between how much advertisers are willing to pay for advertisements and how much is acceptable for the members. Payments start on $1.5 via AlertPay.com.
visit website...

CroClix

This PTC is CWC Network, and good PTC until now. At CroClix, you get paid to click on ads and visit websites. The process is easy! You simply click a link and view a website for a few seconds to earn money. You don't need any skills. This is because all you need to do is visit the sites we provide you with. You can earn even more by referring friends. Payment requests can be made every day and are processed through AlertPay. The minimum payout is $5. You can even invest your money to our patner program and double it over and over again!

Per click	$ 0.01
Premium click	$ 0.0175
Payout	$ 5

Visit website...

Join Now!

buxout

High pay per click, but to few ads per day. $5 payout through alertpay.

Earn UP to 0.0125$ per visit.
Earn UP to 0.0125$ per visit for each referral visit.
Request your payment and receive it within seconds. Get access to detailed statistics about your account.
Complete Paid to Signup Offers to reach cashout quicker.

clickin.me

Clickin' me offers you an unique possibility to earn money on the internet.
You just need an internet acces, AlertPay account and a few minutes time each day. The only thing you have to do is view ads in our View ads section.

Each view lasts 20 seconds and you will get 1.00 cent for it.
You will get paid for the same ad only each 12 hours (not each 24 hours, like on other PTC's). Our advertisers want you not just to see, but to remember their ads.

The minimum payout is $ 1,99 and are processed through the payment system AlertPay!

After signing up, you will get your Clickin' me referral link. If somebody signs up through it, you will get 0.50 cents for each his click. Your earnings possibilities are unlimited!

visit website...

Mainbux

At MainBux.com, you get paid to click on ads and visit websites. It is really very easy! We pay you just for viewing advertising! Start your earning money online today and refer your friends! We give you $0.01 for each ad which you visit and $0.005 for ad which visit your friend so we give you half of all his earnings! Your money we pay you only via Alertpay.com and minimum payout is $6.99

visit website...

buxp.info

One of PTC that very very safe.

Affliates
At BuxP.net, you get paid to click on ads and visit websites.
The process is easy! You simply click a link and view a website for 30 seconds to earn money. You can earn even more by referring friends. You'll get paid $0.005 for each website you personally view and $0.0025 for each website your referrals view. Payment requests can be made every day and are processed through Alertpay and Paypal. The minimum payout is $7.99.

Click here to register and receive a $0.05 Sign-up bonus!

Earnings Example
» You click 15 ads per day = $0.075
» 20 referrals click 15 ads per day = $0.75
» Your daily earnings = $0.825
» Your weekly earnings = $5.775
» Your monthly earnings = $24.75

The above example is based only on 20 referrals and 15 daily clicks. Some days you will have more clicks available, some days you will have less. What if you had more referrals? What if there were more ads available?

ThinkBux.com

This PTC was proven that pay. This PTC also the fastest PTC at the process of paying member (24 hour) and has little payout $5 by alertpay or paypal.

You get paid $0.01 per click. Premium members get paid $0.012 per click.
Minimum payout is only $5! Payments are made via PayPal and AlertPay!
You can convert your ballance to advertise, referals and upgrade!
You may buy advertisement or referals by PayPal or AlertPay!
You may buy upgrade by AlertPay only!
SIGN UP Today!

Extra10.com

This PTC is one group with earn3.com, so this is may be clear, no SCAM.

At Extra10.com, you get paid to click on ads and visit websites.
The process is easy! You simply click a link and view a website for 30 seconds to earn money. You can earn even more by referring friends. You'll get paid $0.01 for each website you personally view and $0.01 for each website your referrals view. Payment requests can be made every day and are processed through Alert Pay. The minimum payout is $10.00.

Join now and receive a $0.05 Sign-up Bonus

Earn3.com

Have good reputation in PTCtalk forum and has fast payout method. $3 minimum payout by alertpay.

At Earn3.com, you get paid to click on ads and visit websites.

The process is easy! You simply click a link and view a website for 30 seconds to earn money. You can earn even more by referring friends. You'll get paid $0.01 for each website you personally view and $0.01 for each website your referrals view. Payment requests can be made every day and are processed through Alert Pay. The minimum payout is $3.00.

Join now and receive a $0.05 Sign-up Bonus

TakeTheGlobe.com

New PTC that very intersting many people because this PTC provide more than 35 ads / day for free member and 75 ads / day for premium member. This PTC is proven that safe. This PTC can earn dollar more faster than other PTC here!!

At TakeTheGlobe.com, you get paid to click on ads and visit websites. The process is easy! You simply click a link and view a website for a few seconds to earn money. You don't need any skills. This is because all you need to do is visit the sites we provide you with. You can earn even more by referring friends. Payment requests as little as $10.00 can be made every day and are processed through AlertPay.

If you click 10 ads a day and you refer 100 members who click 10 ads a day you could earn over $75 every month; that is over $900 every year. With more referrals or more ads you could easily double, triple, or quadruple that. The earning potential is endless!

there is the detail :
Per click : $ 0.0050
Per referral click : $ 0.0025
Per premium click : $ 0.0100
Premium referral click : $ 0.0050
Payout : $ 10.0000

visit website...

IsabelMarco.com

This is old PTC that still good. Payout by alertpay and paypal. $9 minimum payout.

At Isabelmarco's Moneymaker, you get paid to click on ads and visit websites.Everybody above the age of 18 can join. The process is easy! You simply click a link and view a website for 30 seconds to earn money. You can earn even more by buying refs. You'll get paid $0.01 ($0,015 for premium) for each website you personally view and $0.007 ($0,01 for premium) for each website your referrals view. Payment requests can be made every day and are processed through Alertpay and Paypal. The minimum payout is $9.00.

Here you can enter for your Free Alertpay or Paypal account if you don't have one :

visit website...

GatorBux

Members, Get Paid to Visit Websites! At GatorBux, you get paid to click on ads and visit websites. The process is easy! You simply click a link and view a website for a few seconds to earn money. You can earn even more by referring friends.

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Payout $1 using e-gold

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Loan cost increases pinch students

Fewer lenders and incentives, higher interest rates make it harder for borrowers to cover rising tuition.

Marisa Schultz / The Detroit News

EAST LANSING -- The credit crunch that has roiled the financial and housing markets nationwide has hit Michigan college students squarely in the wallet.

The federal student loan industry, which brought in nearly $60 billion last year, has been rocked by dozens of lenders pulling out of business, taking with them incentives that made borrowing cheaper. Many banks have boosted interest rates and upped credit score criteria, ultimately making it more costly and difficult to borrow nonfederal loans.

The chaos in the loan industry comes when students could use the help the most, with record-high tuition prices and parents stunned by layoffs and buyouts that have become commonplace in Michigan.

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"It scares ... me on a regular basis," said Mandy Griffin, 18, a Michigan State University sophomore who has thousands of dollars in student loans.

"Am I really going to be able to afford all the money I'm going to have to borrow?"

Students and parents at MSU have been particularly hard hit.

About 98 percent of federal loan borrowers at MSU participated in Michigan Students First, a state-run program that offered unprecedented benefits to its borrowers: Rebates on all origination fees and 0 percent interest after three years of on-time payments. The state suspended the program in April, unable to raise the capital to buy loans.

"It was the best program in the country for students and parents," said Richard Shipman, director of financial aid at MSU, about the Michigan Students First program that saved MSU students and parents $50 million annually in borrowing costs.

"It is unlikely we will see anything like that again."

New loans cost more

Borrowers under the program -- an estimated 60,000 statewide last year -- were forced to find another lender, but the new loans would ultimately cost them more money, Shipman said.

A typical MSU freshman could pay $544 more to borrow the maximum $3,500 subsidized federal loan, compared with borrowing last year through Michigan Students First. For parents, the difference is even more dramatic: about $3,100 more to borrow a typical loan of about $10,500, assuming they made their loan payments on time to receive the interest rate reduction.

Since there are caps on how much money students can borrow through the federal government, students have turned in droves to private lenders to cover the rising cost of tuition. But interest rates are typically higher on private loans.

The credit crunch also slammed private lenders, halting new loans at the state of Michigan's MI-LOAN program this year. Lenders still in business have increased interest rates on average by 1 percent and upped their credit score criteria to at least 650, cutting off about 10 percent of would-be borrowers, said Mark Kantrowitz, publisher of FinAid.org.

Simply put: "It's going to cost more for private student loans," said Justin Draeger, spokesman for the National Association of Student Financial Aid Administrators.

Lenders drop out

Colleges have two options to connect their students with federal student loans: direct lending, in which students borrow from the U.S. government, or indirect through the Federal Family Education Loan program, in which students borrow money from federally backed independent banks, credit unions and state agencies.

Until this year, 12 of Michigan's 15 public universities used direct lending. MSU, Eastern Michigan University and Wayne State University participated in FFEL, in part, because their network of lenders had the flexibility to offer benefits the federal government could not. The interest rates in both programs were the same, but the incentives often made the loans cheaper.

Recent upheaval in the capital markets made it impossible for many of these lenders to purchase new federal loans. So this year, FFEL schools had many students who were counting on federal loans from lenders who were no longer doing new business.

"We started seeing it in February," said Cynthia Van Pelt, interim director of financial aid at EMU.

One lender bailed out of the federal loan program, and the staff had to frantically contact students affected to tell them they need to find a new lender. Then it happened again and again.

"It just became a ricochet effect," said Van Pelt, noting she's never seen anything like this in her 30-plus years at EMU. If lenders weren't dropping out, many were reducing the incentives.

Then in April, Michigan halted Michigan Students First.

"Finally we said, 'This is crazy,' " Van Pelt said. "The incentives aren't there anymore. What is the point? We might as well do what everybody else has done (and change to direct lending with the federal government)."

This year, MSU, Eastern and Wayne State all shifted to direct lending and embarked on the cumbersome task of compelling a combined 50,000 students to sign new electronic promissory notes with the federal government.

Al Hermsen, director of financial aid at Wayne State, said direct lending should be simpler for students and won't necessarily mean higher borrowing costs. About 20 percent of Wayne State borrowers participated in the Michigan Students First program, and it's unclear how many of those borrowers could make three years of on-time payments to earn the benefit. According to the state of Michigan, about 75 percent of Michigan Students First borrowers statewide were on track to receive the 0 percent interest rate.

Other states also are affected

The lending problems in Michigan are symptomatic of a nationwide problem. Pennsylvania's higher education assistance agency also suspended its federal loan program. Big-time lenders Citibank and JPMorgan Chase stopped making federal loans to many community colleges and for-profit institutions.

Rattled by the uncertainty of the loan industry, colleges across the country abandoned the FFEL program that relied on independent lenders and turned to the most stable lender -- the federal government. Direct lending colleges shot up from 851 last August to 1,156 this month, according to the U.S. Department of Education.

Wayne County Community College District didn't make the switch to the federal government, even after more than 50 lenders dropped out of the federal loan program, said Marcus McGrew, associate vice chancellor. While the trend is concerning, the college's biggest lender, Nelnet, still remains intact.

"We have several options still available to our students," McGrew said. "Getting the funds is the most important thing and (students) are less concerned about what lender provides the loan."

The bright spot in all this: The federal government recently increased the caps on federal student loans by $2,000 annually, a move that should reduce the need for high-interest private loans. And the federal government's direct lending program is stable, said Draeger, of the National Association of Student Financial Aid Administrators. A real crisis would occur if the federal government stopped making loans, and Draeger said he can't foresee that happening.

"The doors of higher education are still open, and (students) shouldn't be deterred from attending school," Draeger said.

But Chris Rolston, 17, is stressed about paying for his EMU tuition.

"Right now I'm barely able to make it," said Rolston, who relies on loans, grants and his $7.40-an-hour campus job. "I'm working this job and plus I'm hoping to get another one off campus. ... And if I didn't have that, I don't think I'd be able to go to college."

You can reach Marisa Schultz at (313) 222-2310 or mschultz@detnews.com.

Low loan rates bolster farms

By Deanna Martin
The Associated Press

Published: Monday, July 7, 2008 at 5:16 p.m.
Last Modified: Monday, July 7, 2008 at 5:17 p.m.

INDIANAPOLIS — Indiana will use $50 million in state funds to help farmers get low-interest loans — money they can use along with federal funds to restore their flood-damaged fields.

The plan announced Wednesday would give banks incentives to provide the loans to farmers cleaning up from the June floods, which officials are calling one of the worst agriculture disasters in Indiana history. The program could draw federal matching funds to bring farmers $200 million in aid.

Nearly 10 percent of the state’s corn and soybean crops were flooded, which could translate to more than $800 million in lost revenue. Some fields are still littered with debris, while others have had large sections of soil washed away, said Indiana Agriculture Commissioner Andy Miller.

“Those fields are going to need to be rehabilitated before farmers can get back into the practice of farming,” Miller said.

The governors of Indiana, Illinois, Iowa and Wisconsin have asked President Bush to allow the federal government to cover 90 percent of disaster-related costs incurred by state and local governments. Bush authorized $2.7 billion to replenish various disaster aid accounts.

The U.S. Department of Agriculture runs several emergency land conservation programs that pay up to 75 percent of the cost of field restoration projects. But farmers have to raise some local money to get that help, which is why the loan program could be instrumental, said Indiana Treasurer Richard Mourdock.

The state will accept a lower-than-usual interest rate when it deposits money at local banks if the banks agree to lend farmers money at a low interest rate. Banks will determine whether farmers qualify for the loans. Typical loan interest rates are about 5 or 6 percent now, Mourdock said, but qualified farmers could get a rate of 2.25 percent under the program.

The state will be gaining less money on its investments by accepting lower interest rates during the year the program runs. The state could lose out on about $1.1 million, but the federal aid to farmers will outweigh that loss, Mourdock said.

“We might be able to bring $200 million back for that $1.1 million,” Mourdock said. “That’s a good deal.”

Tips To Get Low Cost Secured Loan

We can find many benefits offered to us when we apply for a secured loan. Relatively you will be presented grand terms, APR, and your loan gets approved easily. Due to the verity to facilitate with this nature of loan you as the borrower are giving up security to the loan provider to employ in case of non-payment. So there is always very less peril to the loan provider and they will give you as much loan as you want, at the rate of interest you want. When applying for a loan you need to offer some value such as your home.

Secured loans not only give security to the lender but also they will be looking for the total amount to be paid in time, and also many benefits are offered to the person who has taken the loan. This loan can be used for any thing you want. A lot of people use this amount to clear off their old debts or combine bills into lesser more convenient monthly repayments. By this way the borrower can have more money in extended run. This loan can even be used to do renovations to your home because till the time your loan is finished , the value of your house is increased and this also results in improving your credit score and equity of your property is also increased which will be useful in future.

People simply try calling many companies for loans which results in waste of time, the best way to find the right lender is over internet. You will be surprised to find lots and lots of lenders with very less rates and terms of their loan over the internet, which makes your search much easier and less time consuming also.

Lenders these days provide online applications which can be easily filled with in minutes and they are not so difficult to figure out. And once you have finished filling the application on line for a secured loan then with in span of one hour you will get the response from the lender. But unlike other loans here you have to give some important information of yours like your proof of employment, verifiable tax information, active bank statements, credit history reports, proof that you are 18 years and older, your recent tax returns, proof of ownership of collateral. And for secured loans there are many forms of collateral like some people offer their car, ship but mostly offer their home.

Netloans Ltd, a leading Secured Loans Broker for UK Homeowners offering a debt consolidation loans service, bridging loans and homeowner loans for any purpose, ensuring that their customers get the best loan deal.

Article Source: http://EzineArticles.com/?expert=Robin_Brain

Secured Car Loans - Tips for Getting Low Cost Finance for Your Car

That dream car comes at a price you may not be in position to pay for. In such a situation, secured car loans can help you in buying car, either new or used one. Even if you are suffering from bad credit, secured car loans can buy you a car without credit worries.

As is clear from the term, secured car loans are approved against your any valuable property like home. Even the car you intend to buy can also serve the purpose of the security of the loan. The lender will take the deal papers of the car and will return them when the loan is completely paid back.

In the mean time, you can go on driving the car. Collateral in fact places the borrower in driving seat in terms of availing secured car loans at desired conditions. The borrower can avail secured car loans at lower interest rate and if borrowed amount is lower than equity in collateral, lender may even reduce the rate of interest.
Apart from cheap rate, secured car loans are offered for larger repayment duration. This means as a combined advantage of low rate of interest and larger repayment duration, your monthly payments for the loan installments are reduced for a convenient pay off the loan. Therefore, you are completely at ease in paying off secured car loans.

Loan amount as secured car loans depends on the value of the car. A lender will never lend you more than the price of the car if the car itself is the security of the loan. In case of used car, the loan amount therefore may be smaller. If you are putting your home as collateral then greater amount can be borrowed on the back of equity in it.

Secured car loans are easily approved for bad credit people. The property of the borrower cuts the risks for the lenders substantially. However in certain conditions some lenders may charge a bit higher interest rate from bad credit people.

Check your credit score before applying to a lender. Make sure that you buy car from reliable dealer for a quality car. Pay back secured car loans installments regularly also for improvement in your credit score.

Amanda Thompson holds a Bachelor’s degree in Commerce from CPIT and has completed her Master’s in Business Administration from IGNOU. She is working as financial consultant for chanceforloans. To find Secured car loans, Personal loans, Tenant loans, Wedding loans, Bad credit Personal loans UK, Mortgage at cheap rates that best suits your needs visit http://www.chanceforloans.co.uk

Article Source: http://EzineArticles.com/?expert=Amanda_Thompson