a part from internet access, a mobile phone with internet access, the customary desktop computer with high storage capacity, and an SLR camera for taking visuals, a laptop is among the list of blogger must haves. A laptop can go with you everywhere so you can write whenever and wherever you feel the urge of doing so as well as getting updated with latest search trends to keep up with the ever competitive traffic generation technique which could make or break a blog.

3 months since I started saving up for one, an Acer Aspire 1 to be precise, I still haven’t got a cent saved for such reason. I mean, I did but I realigned it for another matter of immediate concern–food, movies and books. Credit card payments as well as my monthly loan amortization is also eating up my income from blogging as well as from my job and I’m getting closer to being in the same pit I managed to get out from just a year ago.

A recent visit to Bills IQ and a quick test from the same website gave me a score of 70%–a C. This confirms my impending doom and I need immediate Debt relief.

Debt consolidation seems to be the best and only way to cut interest spending, according to the Debt help articles available on the same website. I’m starting to consider some other options though, like selling out my available stocks to start anew. Perhaps this will be the only way I could start saving up for my laptop.

After five months of patiently waiting and optimizing this blog to somehow earn an extra income to keep me on the lifestyle I got used to even in the midst of hyperinflation, my blogging income from Google Adsense is due for pick-up next month. I could have had my first payout last May when i reached a hundred bucks but I opted to set it to five hundred bucks so that I could buy some gadget from it and not just spend it on food.

Five hundred bucks with the current conversion rate of about forty five pesos to a dollar is far better than the exchange rate last May. Last May was just forty. I’m now considering the thought of keeping my earnings on my Google bank cause financial analysts here expects the economy to fall after the US regains it’s economic position after the presidential election.

It’s just like putting up a dollar account or investing in money market securities and bonds. it’s another way of earning more money from blogging. All you need is the patience and proper timing just like what those day traders need when they are trading stocks on the the floors of the Philippine Stock Exchange or NYSE.

I think this is one thing bloggers should consider before cashing out their blog juices.

Having a regular source of income, either from a job, a business or even a blog, makes us prone to incurring a lots of debt. Blame it on the sense of security you get out of it.

Like most Americans of Filipinos, I too incur a lot of debt, most of it are from extensive use of my local Credit Card. Who would not think like a millionaire if you have the power to get anything you want in store just by handing out a pocket sized card? The bubble just pops when you learn you reach your limit and then you find a need to shop for debt settlement services to lessen your interest expense. Same goes for those other bills and loan payments.

Debt settlement or consolidation may not be as hard as rocket science cause all you have to do is find a provider that offers the least interest rate but, no, it’s not that simple. Again, when it comes to money, it pays to research first before making the ultimate decision.

A helpful resource of credit consolidation would be NoDebtToday.com. They work for both non-profit and for-profit lending firms and they provide you lots of options. They have a whole page dedicated to debt education so you don’t need to go and buy a 10$ book about it anymore.

For the citizens of the bloggosphere, Paypal’s feature that allows Filipinos to withdraw their Paypal earnings to their local bank accounts is not news anymore. It was in late January when Paypal announced the new feature. I was already blogging at that time, and earning money from it, but I failed to make a post about it. This is me making up for it.

All you need to do is to login to your Paypal account and click on the Withdraw link located at the top menu row, below the main menus. You will then be taken to a withdrawal page where you have to enter your bank account details.

Withdrawal transactions are processed within 5 to 7 days from withdrawal request. Just make sure you don’t use EON for withdrawal of funds cause it takes more time than that.

Transactions above 7,000 pesos is free of charge and anything below that carries with it a 50 pesos transaction fee.

You need to first add a bank account to your paypal account, by the way and to do that, you need to enter these codes:

Official List of PayPal Philippines Bank Codes

Philippine banks with Paypal bank codes: Allied Bank; Asia United Bank; BSP; Banco de Oro (BDO); Equitable PCIBank (same as BDO bank code); Bank of Commerce; Bank of the Philippine Islands (BPI); China Bank; China Trust; Citibank; Development Bank of the Philippines (DBP); Deutsche Bank; East-West Bank; Export Bank; Hong Kong and Shanghai Bank (HSBC); Landbank of the Philippines (Land Bank); Metropolitan Bank and Trust Co. (Metrobank); Philippine Bank of Communications (PBCom); Philtrust; Philippine National Bank (PNB); Prudential Bank; Veterans Bank; Rizal Commercial Banking Corporation (RCBC); Security Bank; Standard Chartered; United Coconut Planters Bank (UCPB); UnionBank of the Philippines (Unionbank); United Overseas Bank.

In the finance industry where companies are viewed by people as sharks who will try everything in their power to lure you to their traps through their massive advertising campaigns and faux smiles from their agents and then consume you by high interest rates, one mortgage company stands out, mortgagefindersnetwork.com.

Mortgagefindersnetwork has been in existence even before the birth of Web 2.0 and has been helping people find the mortgage that best suits their needs. Perhaps the amount of concern they have for their clients is their secret to business longevity even amidst thousands of competitors.

First off, their website also features a Mortgage Finder Blog full of mortgage finder tips, tools and other resources which makes even the first timers well prepared and well properly equipped before they make the ultimate mortgage decision.

A quick widget on the upper left portion of their website enables one to quickly browse through mortgage offers. Just choose the type of service you want, the type of property, and your credit rating and hit on the “Get My Quote” button and you can then get your Free Mortgage Rate Quote.

They, again, offer a variety of loan schemes and it just takes a few clicks to find best one to fit your needs.

I can’t stress the importance of buzz marketing for start-up blogs, established websites and even new products of multinational companies like Microsoft, Coca Cola, Dell, and even Yahoo. Buzz marketing is the high-tech version of word of mouth marketing which successful marketing gurus place a significant value on.

In the not so distant past, buzz advertising is often done by employing sales agents who would then knock a lot of doors telling people how great the product is or bribe newspaper and magazine columnists to write a publicity article about it. Since these methods entails a lot of cost, only huge companies benefit from such practice.

Of course, the best way of buzz generation is still producing goods and services which naturally build “buzz” themselves like the Mac Book Air by Apple and SocialSpark, a social network for publishers and advertisers which gain immediate popularity even when it was on beta.

For those who don’t have that much budget for promotion like new bloggers who want to generate traffic for his blog, a small business who wants to promote his product, a freelance writer still on his way to making a name for himself or just anything who want to build some buzz, SocialSpark.com makes it all possible.

As a publisher I would love to see a new breed of advertisers on SocialSpark who are just starting up their online ventures just like myself and see them grow into prominent bloggers as well.

Getting a much needed cash advance or pay day loan to bridge one’s cash flow gap between pay days has never been easier with Payeveryone.net. A simple process of visiting their website a very short online form which just takes about 2 minutes to complete and hitting the submit button and waiting for a confirmation is the only thing you have to do to get a loan. Of course, other firms also provide such quick loan process but only Payeveryone would give you cash advance no credit check. getting rid of the credit check process makes a BIG difference as such can take up to days to complete.

You can borrow three hundred dollars ($300) up to a thousand, five hundred dollars ($1,500), depending on your financial position.

Applicants just have to have a bank account and a regular source of income either from his employment, his business, or perhaps his from his blog. Such income should be above a thousand dollars per month, though.

Once your application is approved, your money will immediately be transferred to your designated bank account.

Pay day loans come handy in case of emergency like when you suddenly got sick and need to buy medication, an accident involving a loved one, or when you just need to buy the latest tech gadget on a one-day-only sale.

Another player comes in the sponsored reviews arena with a blast–SnapBomb . It may be new but it already manage to draw attention from both advertisers and publishers making it another best thing to happen to money blogging.

It’s easy to be part of the SnapBomb community. Just finish the registration process, install SnapBomb codes on your blog, then wait for 24 hours for SnapBomb to compute your blog’s value. Once done, you can check on the opportunities section where you will be matched with the opportunity your blog qualifies for. You may also make post for the Non-Mathed Opputununities but they will not pay you for it.

Some might find their blog to be undervalued by SnapBomb. My old blog was just valuated for $ .63 to $2.52 dollars only but I think it’s only appropriate for that blog. They use these metrics to determine valuation:

• Traffic to the blog –how many people visit the blog
• Blog readership –total subscribers to your blog’s RSS feed
• Quality –based on your content
• Spamminess –the types of content on your blog
• Feedback/Ratings –based on feedbacks and ratings given to you by past advertisers
• Community Activity –community promos and events.

If your blog was valued lower, there is still a chance for it to be revaluated in the future once your blog gains more traffic, readership and possitive feedbacks.

All in all, I think SmartBomb is another good way to make money online for bloggers.

What happens when you merge a blogger community, a paid-to-blog website and, a site analytic tool? Well, you get THE ultimate social network for bloggers and blog advertisers– SocialSpark.

Registration is a breeze and if you wanna start earning, you just have to go through three steps:

1. Claiming Your Blog. SocialSpark is gonna provide you with the installation code and you just have to paste it in your blog template.
2. Installing the ITK Code. ITK stands for Izea ToolKit. It tracks your blog’s statistics in order to generate RealRank and ROIRank and other features such as PPP Direct and SocialSpark Blog Sponsorship.
3. Verification. After installing the 2 codes, click on the verification link to submit your blog for review. In order to be approved, your blog needs to be 90 days old, written in English, with original and appropriate content and a minimum of 20 pre-existing posts.

SocialSpark is not just another get-paid-to blog site and it stresses that fact by ensuring implementing its code of ethics. These are:

1. 100% Audit-able in-Post Disclosure. A Disclosure Badge needs to be posted after every sponsored post to inform the audience about the nature of the post thus keeping their trust and avoid any appearance of impropriety.
2. 100% Transparency. “The public can also see which bloggers are working with which advertisers on which opportunities.” This ensures honesty.
3. 100% Real Opinions. Just because you’re paid to write a post does not mean you have to kiss the advertisers boots. You can post your real opinions on your posts.
4. 100% Search Engine Friendly. To ensure Google will not slap you with a PR 0, every link carries with it a nofollow tag. Bloggers and advertisers can’t alter that.

Owned by Izea, SocialSpark is said to be the sociable sibling of old PayPerPost. So if you’re already a Postie who also like spending time social networking, you’ll definitely find SocialSpark more appealing.

Since my blog got accepted, I already made 6 posts, including this one.

Ebay.com is an online auction and shopping website which enables users to buy and sell goods and services not just on one specific country but also worldwide. Since it was founded back in September 3, 1995 Ebay has been the the biggest auction sites to grace the world wide web.

A lot of merchandise and services have been traded in Ebay over the years like books, appliances, consumer electronics, mobile phones, computers, and there are also those products which you could really find as bizarre.

Here’s a list of some of those bizarre items sold on Ebay:

• A bag of grass. Believe it folks, a bag of grass was sold on Ebay for a dollar and 30 cents. I don’t know what kind of person buys a bag of grass. Perhaps the winning bidder comes from the south pole and has never seen grass all his life.

• Used penis enlarger. Geeze! Who would use a previously owned penis enlarger? The sicko who tried to sell this trash didn’t get any bids. In case you want to know, the minimum bid was just 19 dollars.

If you’re really that cheap, you can still make a bid. Lots of previously owned pumps are still available for sale.

• Pope John Paul II jar of air. I really want to post a picture of that here but the last time I checked, it’s off the listing already. Perhaps some weirdo bought it.

• Ex-wife’s wedding dress. Over eight million viewed the product and was finally sold $ 3,850. The guy hated his e-wife so much that he even wore the wedding dress, and posted his rants about how awful she was, and made a profit on her dream by selling the gown.

There are already lots of people who made money out of selling their things in Ebay. A friend of mine who’s in Arkansas who does her garage sale over Ebay said he got more profit out of it than just selling the usual way.

For those who want to sell their stuff on Ebay who don’t want to go to the trouble of learning Ebay’s interface and monitoring their items, local iSold It stores can now help you with that. Just drop your products their and they all the dirty work for you. You just have to wait for your check once your product is sold. You can also monitor the action by logging into your own ISold It account over the internet.

Making money online has never been easier.