E*Trade Free Online Financial Education

E*Trade Free Online Financial Education

I’ve been with E*Trade for some time now–over a decade, as a matter of fact.  One thing about that company, they provide a lot of value add.

In this short posting, I provide a link to some of their free online financial education.  Check it out at:  http://www.etrade.com/education.

Be advised that because this is their own site, they may illustrate matters using their own product offering–nevertheless, the information can be generalized.

Yesterday while driving, I heard that there is a way to make a couple of bucks…or $4 to be exact…by selling your services online.

There is a web site that does just that.  It is called www.fiverr.com.  Through that site, people can basically buy and sell service.  Those selling, sell what they have to offer for $5.  Those buying, purchase a service for $5.

In the end, the buyer gets something for $5, the seller get $4, and Fiverr.com gets $1!  So who said you can’t make money online; with Fiberr.com you can.

Have you ever wished you can save some of those YouTube videos for later viewing?  This is especially true if you plan on going somewhere with your laptop with no Internet access.

If your answer is yes, then read on…

There is a file conversion site–zamzar.com–that can actually convert YouTube video postings to any video format your computer can play.  All you need to do is open your browser to http://www.zamzar.com.  There make sure to do the following:

  1. In step 1, click the URL link so that you can provide the URL of the YouTube video you wish to get.
  2. In step 2, specify the video format your computer can play.  For windows computers, specifying “wmv”  should guarantee that your Media Player can play the resulting video file.
  3. In step 3, you will need to specify you e-mail address.  This is where Zamzar.com will send a download link for the converty video.
  4. In step 4, you just need to click the CONVERT button, and you are done.
  5. Now all you have to do is wait for an e-mail from Zamzar.com
  6. When you get the e-mail, you will find a download link for the YouTube video.  Click the link and download the video.  You can now play the video on your computer whether you have Internet access or not!

If you have several YouTube videos you wish to save for later viewing, repeat the above steps for each and everyone of them.

Have fun!

Warning:  Some videos are copyrighted.  Be careful not to contribute to such illegal activities.

I’ve been hoping to get invited to beta test Google’s new online application called “Wave”.  Well, after submitting two requests over a period of a month, I finally got an invitation!

I am now one of the lucky few who will get a chance to test drive what could be one of the most paradigm changing revolutions in our Internet times.

As I go through the use of Wave I will post my opinion of it and it possible applications, and how this new communications medium can possibly impact the way we do things online or with our daily lives.

Introduction

Most people with very minimal computer background use their web browser without thinking about web safety. They just expect their computer to do its job. Well, there is more than meets the eye when surfing the Internet, especially if you are using someone elses computer or a computer shared by many other people. Here’s what I mean.

When you are browsing the Internet, your web browser leaves a trail of where you’ve been, what you’ve typed, what you’ve seen, and the various information you’ve been entering in web forms. In Internet Explorer 8 (IE8), it even remembers the state of you browser so that if it crashes, you can be restored to the last state of your browsing activity.

Now think about who could potentially see this if you are using a public computer or a shared computer! This is an identity theft scenario just waiting to happen.

IE8's Safety

IE8's Safety

This is where IE8 Safety feature comes into play.  Microsoft has updated IE8 with Internet safety as a major change.  As an example, one of the key things you will notice is that IE8 has an InPrivate Browsing feature–a way for you to browse without leaving a trace.  Note that IE8 has no Phishing Filter as it has been replace by SmartScreen Filter.

Delete Browsing History

Clicking this menu item will bring up the Delete Browsing History dialog box where you can select the specific items in your browsing history you want to delete.  The options include:

  • Preserve Favorite website data:  to keep cookies and temporary Internet files that enable your favorite websites to retain site preferences and display faster
  • Temporary Internet files:  copies of web pages, images, and media that are temporarily saved by IE8 for faster viewing
  • Cookies:  files stored on your computer by websites to save preferences such as your login information
  • History:  list of websites you’ve visited
  • Form Data:  information you typed into web forms
  • Passwords:  saved passwords that are automatically filled in when you login to a website you’ve previously logged in
  • InPrivate Filtering data:  Saved data used by InPrivate Filtering to detect where websites may be automatically sharing details about your visit

If you are paranoid like me, you’ll want to make sure that any trace of your browsing history is truly deleted by making sure you check all of the above and uncheck the first one–Preserve Favorite Website Data.

InPrivate Browsing

InPrivate Browsing

InPrivate Browsing

Selecting this menu item or pressing CTRL-SHIFT-P, will open a new IE8 window running in “InPrivate” browsing mode.  This means that your browsing activity isn’t leaving any trails behind.  Be advised that this InPrivate protection is only in effect for this window.  By default, IE8 will open in its normal mode.

You should use this mode when using public or shared computers to prevent others from finding information about your web activity.

Web Page Privacy Policy

This is basically a report of which sites you’ve visited showing if cookies were accepted or blocked.  Depending on your browser’s privacy policy setting, you may or may not have any reports of cookies being accepted by your system.

Privacy Report

Privacy Report

If you select one of the sites in your privacy report, you will notice that the Summary button becomes enabled, and if you click it you will get the following dialog box:

Privacy Report Summary

Privacy Report Summary

If you decide that the current browser privacy policy isn’t sufficient or you simply wish to change it, you can click the Settings button Privacy Report dialog box.  When you do you get this:

Privacy Policy Settings

Privacy Policy Settings

As you can see, it can get pretty involved just trying to make heads or tails of Privacy Policy.  Suffice it to say that in this window you can control how cookies are allowed or disallowed on your computer.  You can also control the pop-up blocker  and control InPrivate browsing settings.  I’ll cover this area in more detail in another article.

InPrivate Filtering and Settings

When you select Safety then InPrivate Filtering from the command bar, you toggle on and off this feature.  What exactly is InPrivate Filtering?  It is a feature that allows you to block the sharing of information about the sites you visit to third party content providers.  This information can be used to generate a profile about you which then can be used for targetted advertisements.

You can choose to automatically block, choose which ones to block/allow, or to simply have it off by selecting the InPrivate Filtering Settings menu item from the Safety command bar drop down menu.  The window for InPrivate Settings is shown below.

InPrivate Filtering Settings

InPrivate Filtering Settings

Security Report

The feature activates when the site you are visiting is secure–meaning it is using HTTPS in the URL.  When you select this from the menu (under Safety in the command bar), IE8 will bring up a little pop up window that provides information about the site.  The example below show what I got when I went to the logon page of gmail.

Security Report on gmail

Security Report on gmail

As you can see, it provides information about who the certificate of authority (CA)  is and other information related to the site’s certificates.   Typically, the CA is the one vouching for the sites identity.  In this case the CA is Verisign–a very reputable CA company.

International Website Address

There isn’t really much information about this function in IE8.  The closest thing on this I can find from Microsoft is an article on “What are International Domain Names?

This item appears to be disabled or grayed out all the time.  So there was no way to determine exactly what it does.  Although, I’m guessing that if a site is an international site where the domain name can be shown in its native language, then this feature might allow you to show it in its original form or standard text encoding.

This appears to be a security feature because it is possible for text encoding to look like a legitimate looking domain when, in fact, it is a foreign site!

You’ll probably not even use this, but it is good to know what it may be used for.

SmartScreen Filter

This is IE8’s replacement for the Phishing Filter that was introduced in IE7.  When it is on, IE8 will send the website you are visiting to Microsoft to check to see if it is in the list of phishing or malicious software distribution sites.  It it is, you will get an RED background in the address bar and you will get a block message from IE8.  You can ignore the message and continue to the bad site or you can go to your home page (recommended).

If you suspect a site is a suspicious or potentially malicious site, you can submit a site to Microsoft for review by selecting Check This Website from the SmartScreen Filter submenu.

Although it isn’t recommended, you can turn off this feature by selecting Turn Off SmartScreen Filter from the submenu.

If you visit a site that is obviously a malicious one, you can simply report this abuse by selecting Report Unsafe Website from the SmartScreen Filter submenu.

As you can see, this is a very powerful feature of IE8 to help protect users from malicious sites that are there to potentially steal your identity or to spread malware to your computer.

Windows Update

This feature will navigate you out of the page you are currently viewing to Microsoft’s update site.  There Microsoft will assess what updates your computer needs and you can opt to install them.

I recommend installing critical security updates at the very minimum as these will close any vulnerabilities your computer might have from hackers who will exploit them.

Conclusion

IE8 is a major change from the previous versions due to heavy focus on security.  The Safety feature of IE8 is a testament to that.

Overview

The Page function of Internet Explorer 8 (IE8) is probably where most action takes place for web page related functions the user will take.  It has the following basic menu items

  • Cut, copy, and paste
  • Accelerators (links to sites)
  • Edit, Save As, Send page or link by E-mail
  • Compatibility viewing options (enable it or configure it)
  • Page displaying options like Zoom, Text size, Style, Encoding, Caret browsing
  • Properties
  • View Source

Most of the items here are common knowledge to the general user population; so we will only cover those functions that are more obscure to the most casual user.  We’ll cover those that are in bold above:  compatibility viewing options, style, encoding, caret browsing, and view source.

Compatibility Viewing Options

Previous versions of Internet Explorer have the reputation of not following web standards, as it relates to how web page mark up codes are interpreted. In addition, they were known to use their own unique mark up code–forcing web masters to create various hacks just to make sure their pages work in IE6 or IE7.

Well, after many years, Microsoft finally saw the light and have come to adopt web standards–resutling in the release of IE8. Now, what happens to the pages that were designed to be best viewed in IE6 or IE7? In some cases, they might not look right. This is where the compatibility option comes in.

If you enable the Compatibility View option, IE8 will allow you to run in a sort of IE6 or IE7 mode.  So if you ever find a site that may have been designed for the older Internet Explorers, you’ll want to enable this option, and add the site to the list of sites you wish to view in compatible mode.  You can add them by selecting Compatibility View Settings.

Bottom line…if a page doesn’t look right, try enabling the Compatbility View option.

Style

The Style menu item has two submenu items–no style and default style.  As some people know, web pages may have styles associated with it.  Styles can be embedded in a page or it can be included using CSS (cascading style sheets).

Styles control how content is displayed.  So by default, IE8 uses styles.  You can disable Style by selecting No Style.  When you do, IE8 will simply show you content in a linear fashion–pretty much in the order they appear in the page, with no style.

When would you use “No Style”?  Probably if you want to keep the view to the content plain.

Encoding

Encoding is the language and character set to use when displaying a web page. Most people don’t have to mess with this because the default setting is “Auto” and most pages have information to tell the browser what language encoding to use.

However, if for some reason the page does not include that information, and you have the Language Encoding Auto-Select feature on, IE8 can probably determine the correct encoding. For the case it cannot, the Encoding feature allows you to choose.

Caret Browsing

No. This isn’t some new browsing trend where you eat carrots while you browse. It is an accessibility feature on IE8 that allows one to browse using the keyboard.

When it is on, a movable cursor will become visible. Using the keyboard, a user can navigate the browser with that cursor. That same cursor can be used to select and copy snippets of the page being viewed.

This feature can be applied on a per tab basis. Pressing F7 toggles it on or off.

View Source

Most people would probably not care about using this feature, but if for some reason you want to see how a web page is coded in HTML (Hyper Text Markup Language), then this is how you would see it.

Closing Remarks

By getting yourself familiar with these features, you will become more knowledgeable about IE8 than probably 99% of the population! As a result, you can be more productive in how you deal with a web page.

Basic Google Search

Basic Google Search

Almost everyone uses Google to search the Internet; but not everyone really knows how to take advantage of some of Google’s basic search capabilities.  Knowing how to use Google’s basic search capabilities can narrow down your seach quickly from several hundred millions down to a few thousands relevant results.

Open your web browser to google.com.  This should open up to google’s simple, yet effective home page–the search page.  At this point, you can search the WEB, look for IMAGES, find some VIDEOS, or search for NEWS.  Most of the time, the default–WEB–will suffice.  Regardless, click the type of seach you wish to do.

In the search field, you can type relevant words that simply describe what you are looking for.  Say for example you are looking for an article on basket weaving.  If you simply type the words “basket” and “weaving” in the seach field, Google will come back with 1,150,000 results.  This is because google will look for articles that contain “basket weaving”, “basket”, or “weaving”.  Now, do you have time to look over that many articles?  Probably not.

To narrow down your results to more relevant searches, you can begin by using the “+” operator.  You can enter “+basket” and “+weaving”.  This will force Google to only return articles with both “basket” and “weaving”.  This approach narrows down the search to 704,000.  Better than the original 1,150,000 results earlier, but still too many.

To further narrow down the search, you can enclose your search criteria with quotes–i.e. use “basket weaving” including the quotes.  This forces Google to only return articles with the term “basket weaving”.  This narrows down the search to 370,000.  This is a significant improvement to the original result of 1,150,000.

Several hundred thousand articles are still too much to search through.  Think about what is unique about your search.  Say for example that you are only interested in nylon basket weaving techniques.  You can update your search to use ‘+nylon +”basket weaving”‘. This asks Google to find web articles that have the terms “nylon” and “basket weaving”.  This narrows down the search to 3,190!  This is definitely orders of magnitude less than the original 1,150,000 search result.  Most people will probably continue to get results of this magnitude; however, you now know basic Google search capabilities and should be able to limit search results to a few relevant thousands.

Overview

If you’ve seen the movie “The Matrix”, you may recall the part where Neo, the main character, was asked by Morpheus to take the red or the blue pill.  Taking the red pill meant he’ll wake up and see reality; blue meant he’ll remain oblivious to reality–continuing his life in the virtual world of the Matrix.
What I’m about to tell you is the reverse.  Most people are oblivious to what is happening within what I call the “real matrix” in the Internet.  I will give you the blue pill so that you may see the virtual world or community that most people don’t realize exists!  The “real matrix” is the thriving Internet economy that only a few have seen and can comprehend.
If you are like most people, When you take the blue pill, you will be enlightened.  Your view of the Internet will never be the same.  You will realize that there are a few people out there living solely on the Internet.  I’m not referring to people selling things on eBay or Craig’s list; I’m referring to those people who earn income through the pure bits and bytes that flow through the Internet. Their product is not physical, but intelectual; thus it is created out of thin air and converted into the bit and bytes of information people need or seek through the Internet.
This income generating power has been around since the beginning of the Internet, but was never easily available to anyone until the emergence of the Internet giant Google.com.  They have single handedly revolutionized online advertising and have created opportunities not previously available to anyone.  This article will enumerate the various ways people are making money online.

Opportunities Abound!

Perhaps you’ve heard of rumors about how some people were able to leave their day job because they pursued and took advantage of this underlying economy.  The interesting thing is that most people are oblivious to this–only seeing what is on the surface of their Internet browsing experience!
So go ahead, take the blue pill.
Now have a look at this link:  http://website.ws/kvmlm2
Be advised that this will show you a video of an opportunity that might inspire you.  You don’t necessarily have to sign up because the main objective is to watch the video and see what point they are making.  Note that this is in not my link nor am I endorsing the product.  Only pay attention to the video message.
Have you finished?  Are you excited?  OK.  The main point I’m trying to make is that anyone can actually improve their financial situation by taking control of life, and that age and education doesn’t matter–only the strong desire to change your destiny really counts.  And all this can be done from the comfort of your home and computer.
After I saw the video, it inspired me to dig deeper into how people made income while working from home.  What I discovered inspired me even more.  Check out these articles:
Before making the above discoveries, I really thought that blogging was an activity that people did to document their activities and thoughts online.   In reading the above articles, I quickly realized that it was more than that; it was really the strong desire to share useful information with others, and in the process earn income from web traffic–enough income in some cases to leave their day job!
At this point I thought that I needed to build myself a blog.  But before I delved into my own blog, I tried my hand at various sites that allowed me to post information and earn from those postings.  Here are some that I tried:
For some reason, my efforts gravitated only towards the following sites; it is probably because it seems to be easier to setup and create articles.
eHow.com is probably the easiest place to post useful information and get micro-streams of income from the “get go”.  Note that the income may start flowing as soon as you post your article.  There is no limit to what you can write, and this site gives you a taste of how it would feel like to generate residual income from your postings.  Imagine if you took time to write hundreds of short “how to” articles.  You might think that you don’t know anything, but everyone knows how to do many things.  Your unique perspective can give your posting a special touch of personality.  If you wrote on topics you know, there is most likely many other people interested in those topics.  When they search the Internet for that topic, yours will show up.  And through the ads within eHow, you will earn some income.  It may not be much from the start, but if you build up a good set of “how to” articles, the residual income stream can start becoming significant.  Why?  Because you earn income even when you stop writing!  This is the power of residual income generation.
Next is Helium.com.  This site is a little tougher to get into, because they require longer articles.  However, because your articles are rated and compared with others, you get that extra motivation to improve your writing.  Your own motivation will help you push for the top 5 position.  At Helium.com you earn badges and various writing recognition. You are also encouraged to review other people’s articles and rank them.  Hence the name helium–quality rises to the top.  Another way you can earn income is by writing an article through their market place section.  There you get paid a certain amount based on what the topic requester is willing to pay.  This site too has residual income generation potential because you can earn income even if you stop writing.
The third site–bukisa.com–is also relatively easy to write to.  You don’t have to write about “how tos”; you can write about almost anything.  Some people on eHow have started to replicate their articles to Bukisa.  One unique thing about Bukisa is how you can earn from others’ work if you were able to recruit them into your network–like an MLM scheme.
The fourth site–hubpages.com–isn’t bad either.  I would say that it is almost at the same level as Bukisa, but I’m making more money ther than Bukisa.  In bukisa you can have people become fans.  The more fans you have, the better as it allows you to spread your knowledge faster through your fans.
At each one of these sites, I generate microstreams of income while I sleep, eat, and go to my day job.  Imagine if I had more articles in them; over a period of a couple of years there might be enough income there to earn hundreds or even thousands of dollars a month!

Blog and Earn Money

In parallel to this effort, I was trying to figure out what my blog should be about.  After much thought, I settled on a blog that would inform the common computer user about the various technology available out there for free.  This gave birth to my main website at http://www.freetechzone.com.  Before settling on this, I tried wordpress.com and blogger.com; however, most information about how to maximize income suggests setting up a blog under my own control.
Now that I have a blog, where’s the flow of money?  Well, the real secret to making money on the Internet is “web traffic.”  One has to build traffic to a site, as I am doing now.  You’ll want to do a Google search on how to build traffic to your website.  Of course, the best way to do that is to show up on the first or second page of a Google search.  To do that, a site has to be very relevant to the search topic; and based on Google’s own documentation, that can happen if you have high ranking sites linking to your site and that your site has very relevant content.  There are many other things that Google take into account in determining your relevance; the ones mentioned are definitely what Google mentions in their recommendations.
OK, so now that I got traffic, where’s the flow of money?  Well, money wont flow unless you have some form of advertising on your site and a way for you to receive payment.  To do this, you need to do three things.
  1. Sign up for a paypal.com account.  This will allow you to have a place where your money will accumulate as income starts to flow.
  2. Sign up as a publisher for Google.com through their adsense program.  This will allow you to get ads and have them placed on your web site.  Later you can sign up with affiliate sites like linkshare.com or Commision Junction (www.cj.com).
  3. Monetize your website!  To monetize, you will need to place Google and/or affiliate ads on your website.
Note that the effort towards generating income from the Internet this way will take time and effort.  On almost all articles I’ve read from those people who were successful in doing this, they indicate that this is not a “get rich” scheme.  You must be patient and must work hard to help keep your content relevant.  The more work you put into it, the higher the chance it has being relevant to the search engines.  If your content is useful, you will have thousands of visitors daily, and you can convert those visits into income–income that keeps flowing even when you are not working.  How cool is that!

Internet Money Making Explained

If this is all confusing, let’s step back and try to explain how websites make money from the point of view of the user.
OK, almost all sites that you go to now-a-days are free.  I would even say that it is probably safe to say that 99.9% of web sites out there are free.  How then are web sites able to keep open?  As everyone really knows, nothing is really free.  All sites, have one or more form of advertising on their site.  You see it everywhere and probably don’t even notice it because you’ve just gotten used to them being there.
Anyway, those ads pay for the site and more.  Some ads provide revenue to the website publisher on a page impression basis.  Some provide revenue to the site when a user clicks through the ad.  Some ads pay the website publisher if the ad generates a lead.  Last but not least, others’ ads provide commision on actual sales resulting from users clicking and then purchasing through the ad.
Picture this…
Let us say you are a website publisher or blogger and you are using an ad that pays $1 for every lead your site is able to generate.  Let us also say that you get 100,000 hits on your web site a month.  If you are able to convert 1% of those hits into leads, then you can potentially generate about $1000/month.  This is just from one ad.  What if you had 4 ads that generated as much revenue per month?  This means that you, the publisher, is able to generate $5000 plus per month!  This can be pretty conservative, if you have a very highly visited site, and this might just be enough to make you quit your day job.

Closing Remarks

The underlying economy in the Internet is like “the matrix”.  If you take the blue pill, you will see.  Until then you will be oblivious to the fact that some people out there are actually making a living from the Internet, working from home, and are able to quit their day job.  So go ahead, take the blue pill, see the underlying Internet economy, and perhaps participate in it.
If you have any questions about this article or anything related to this topic, don’t hesitate to contact me at forlanda@gmail.com.

In this article we will quickly cover the three basic functions that allow you to get input or output from Internet Explorer 8 (IE8).  These functions are as follows:

  • RSS Feed
  • Get Mail
  • Print
IE* RSS Feed Function

IE* RSS Feed Function

The image on the left is the icon representing the RSS Feed function.  RSS

Active RSS Feed

Active RSS Feed

 stands for “Really Simple Syndication”, but lately it also has come to mean “Rich Site Summary”.  When you browse a site with RSS feed, this icon will change in color from it grey color to bright orange.  At that point, you can click it and you will be able to subscribe to the feed using your RSS reader (mine is set through Google).  Thereafter, any new update from the site will show up in your RSS feed.  Thus RSS feed is a way to get input through IE8.

IE8 Read Mail

IE8 Read Mail

Next is the Read Mail function.  This is tied to your default email program.  On my Windows Vista machine, it defaults to launching Windows Mail.  I don’t quite see how this ties to IE8, but I suppose it makes it convenient to have email readily available from the IE8 interface.

IE8 Print Function

IE8 Print Function

Last but not least is the Print function.  Obviously this is a way to get output from IE8.  When you click the Print icon, you will get three choices:  Print, Print Preview, and Page Setup.  If you select Print IE8  simply prints the page you are looking at to the default printer.  Print Preview allows you to see how the print will look like, possibly make some adjustmenets, before you commit to a print.  Finally, Page Setup allows you to make adjustments to your printing setup–to include margins, printing orientation, font to use, and header/footer information.
There are really nothing earth shattering about the functions just discussed; however, if you’ve never used them, you might not know how useful they can be–after all, these features are IE8’s primary means of inputting and outputting to its users.

Your Internet browser’s setting for home page is your very first view into the Internet the moment the browser is opened.  It only makes sense that you set it to a page that you use most often so that you can save time in your Internet surfing activity.  This page is called your home page.

What if you have more than one page you wished you could open everytime you ran your browser?  Well, with Internet Explorer (IE) 8 (or IE 7 for that matter), you can open more than one.  As a matter of fact, you can open up to 8 home pages when you launch IE 8.

Home Page Icon

Home Page Icon

 The Home Page icon is illustrated on the left.  When you click the icon IE 8 will take you to your home pages.  If you only have one, you can add 7 more by clicking the down arrow immediately to the right of the Home Page icon.

When you click on that down arrow, you can choose from the list of your up to 8

Remove Home Page

Remove Home Page

 home pages or you can manage your home pages.  Specifically, you can

  • Add or Change Home Page
  • or Remove (a home page or all)

If you are setting your home pages for the first time, the quickest way to do it is to open IE 8, set each tab to browse to the appropriate page, then click the Tools item from the command bar, then select Internet Options from the drop down menu that shows. 

In the Internet Options window, make sure you are in the General tab.  From there, simply click the Use Current button, and that will set your home pages.  Click the OK button of the Internet Options window and you are done.

Internet Options dialog box

Internet Options dialog box

Most people don’t know these about Internet Explorer 8’s Home Page function.  You are now one of the few who does; make sure to pass this information on.