John Mayer Flash Game

Posted on February 11, 2010 (cole)

I was a little surprised when i couldn’t find a single John Mayer Flash game, so i threw one together.


Buy John’s newest album here:

If you want to create your own Flash games, here are some resources to help you get started:

Web Design Pricing

Posted on September 2, 2009 (cole)

This can sometimes be the hardest part of doing freelance web development. They don’t teach it in school, but then again, what did they really teach us anyways. This is by far the best resource i have found on pricing. Enjoy!

http://www.pearsonified.com/2006/06/how_much_should_a_design_cost.phpофис обзавеждане

The article itself is good, but the comments are awesome.

Make a Fortune Flipping Houses

Posted on December 12, 2007 (cole)

I’ve been doing a lot of research lately on “flipping” houses. This is essentially buying a home that needs repairs, making the necessary fixes, and selling the house for a large profit. This fad is ever growing on television and the internet. It can be seen in A&E’s Flip this house and TLC’s Flip that House. A very simple concept, but is it really that simple.

Find a house:

Step 1 is to find a house with the potential to make a profit. Some late night infomercials promise millions in purchasing foreclosures and with no money down. But they never tell you how. The legit approach is to take out a mortgage with a cash down payment and make payments on the house while you make the fixes to get the house into free phone ringtones verizon nextel ringtones 24 theme ringtones metro pcs phone ringtones 1600 nokia ringtones cellular download free phone ringtones cheap mobile ringtones virgin free mobile ringtones free real music ringtones for nextel free alltel ringtones cingular cell phone ringtones download free real ringtones for tmobile free ringtones and wallpaper for cell phone download free real ringtones for tmobile sony music box ringtones ringtones verizon wireless download free ringtones yahoo free tracfone ringtones free alltel ringtones alltel free ringtones a sell-able state. The first approach seems faster and less dependent on your current financial situation and credit. The latter seems more realistic, however more time consuming.

No down payment means getting a “hard money” loan. This gets even more complex. A hard money loan is based on the deal you can get for the house. Sometimes 50% or more below what the asking price may be. If you are fortunate enough to find this pot of gold, then you have to actually find the loan. If you Google hard money loans, then you can see how complex this process can get.

This gets into Capital Gains tax, or how to avoid it, finding a mortgage broker, real estate agent, and real estate attorney, contracting or subcontracting the work out, and the multiple approaches to selling the house. I have yet to find a great source with all the information to get you started. But the best so far is Michael Corbett’s Find It, Fix It, Flip It!


Corbett’s a part-time flipper. He is more on the conservative end, as flippers online poker regelnonline games poker gratis spielenflash poker texas holdempoker texas hold spielenpoker regel texas holdemtexas holdem splittexas holdem spielen,texas holdem online,holdem poker onlinetexas holdem sharewarecasino poker gratispoker tour pcgioco poker freewaretorneo poker onlinesuper poker combwin pokerpoker tour giocopoker sala giochipoker da scaricareomaha poker in lineascaricare gratis pokergiochi carteil pokergiochare omaha poker in lineatexas holdem gratisgioco poker on linetavoli da gioco pokergiochi poker gratisgiochi 7 card studgiochi onlinemach zehnder modulatorregolamento poker texas holdem,holdem poker,campionato italiano poker holdempoker 5 drawtexas holdem online gratisparty poker bonuspoker superstars invitational tournamenthow to play pokerpoker on line,poker flash on line,giochi on line pokerpoker d assidownload pokerpoker on line in italianopoker alla texanacaribbean pokercard studgioca a poker onlinetorneo pokergiochi giochi onlinetornei poker on linewww poker gratisgiochi gratis video pokerpoker scaricabili gratisкомпютри втора употребаgioca a poker gratishollywood poker go. He tends to live in the houses he is working on for a year or 2. This has its benefits, and is ideal for a part timer.

Fix the house:

Fixing the house. More money out the door. But this is where you maximize your profits. If you get a good enough deal on the house you could just turn around and sell it, but if you can make money off the improvements too, why not go the extra mile. There are many steps and approaches to this process, but it’s pretty straightforward. However, this is where the real flippers prosper. If you know how to get the most for your money, and where and how to make the improvements in the house, you can really succeed in the business.

Flip the house:

Flip or sell the house for a profit is the final step. This is where you make your money, but there is still a risk of losing more. If the house doesn’t sell right away then you are making monthly payments just for having the house. Then if you lower your price to sell the house, you are cutting in to your profits.

If you can spend the time and the money this can be a very profitable business to go into. Before getting into the business, you need to be in a good financial position. This way you can get into your first house with a nice down payment, be able to make the monthly payments, and pay for the fixes that are made. But if you can turn over a few houses, learn what you need to know, and get started, this is a very good way to reach financial freedom and live a more free life.

Instant Gratification

Posted on September 7, 2007 (cole)

One problem i had back in college was an addiction to Instant Gratification. I remember needing a TV. And I use “need” loosely. No one needs a TV. Anyways, i ran down to Circuit City and applied for a credit card and maxed it out on the biggest TV i could get.

Well, fast forward 4 years. After moving debt here and there, I am still paying for this TV. I would estimate the cost to be over double the original price as it was, due to interest. Doesn’t seem like such a good idea anymore does it?

So currently i really really “need,” i mean want, a sound card for my computer so that i can get back into recording music. The one that i want is around $200. Considerably cheaper than the TV. But the difference between now and college is, I still don’t have a sound card. Back them i would’ve ran out and bought it as soon as the thought hit my brainz. I could probably round up the cash easily through freelance or eliminating some other expenses, but that money NEEDS to be put toward debt.

So, here is my plan. I get paid emails through Send Earnings and Inbox Dollars. I click the link, they give me a couple pennies. Understandably it is taking forever to get up there. But eventually, I will have my sound card.

Check out Make Money Online for more information on paid emails.

So, why don’t I just go ahead and get it? Well, if you think over the course of your life how much money you will make. With a decent job, making let’s say $50K a year, if you work 25 years, you will have made about $1.25 million. Today that is not a lot of money, and it will be worth considerably less when those 25 years pass.

I could go blow $200, or i could pay off $200 of debt. Which at 12% is gonna save me $73 over the course of 3 years, which is how long it should take to pay everything off, worst case scenario. I’ve been in the work force for about 2 years now, so let’s say i work 21 more years after getting out of debt. I could then take that $200 and invest it. If my investments doubled every 7 years with compound interest. Then $200 would turn into $1600.

Seems like a lot more money now doesn’t it.

Don’t get me wrong. You have to live, and in today’s world, that means spending money. But, you don’t have to go out and buy everything you see on TV. Remember, the one i paid way too much for…haha.

Think your purchases through, and fight “Impulse Buying.” Which I know we are all guilty of.

I, personally, do not plan on working until

I am 60 - 65. By the time i get that old, with medical advancements, my generation might be working till 70 -75. I would encourage you to think about how money you would like to have to live on. Do I need to make $100,000 a year to be content, or do i need $1,000,000 a year. Then take that number. Divide it by 8 and multiply it by 100. That is roughly how much money you need to have invested to make that much off the interest.

Currently, I need about $500,000 to be able to quit my job and bring in the same amount of money.

Now that would be the life…

So, think about those purchases. Pay off those debts. Invest like a mad man (or mad woman). And ultimately take control of your finances. Live and PLAY THE GAME (PTG) that is life.

Cheers

Netflix Business Model

Posted on August 31, 2007 (cole)

I was watching Donny Deutsche the other night, and a gentleman was on talking about how he was making millions. His business is simple. Its like Netflix or Blockbuster Online, but with expensive purses and jewelry. Guinness!

Beg Borrow or Steal is a subscription service where you sign-up & select a product, they then mail it to you. You can keep it as long as you want and then send it back. Then they send your next item. Prices are based on the collections you want and range from $20 a month to $175 a month.

I would just about guarantee that we are going to see more businesses pop up just like this. A subscription based rental service. I have been racking my brain trying to come up with another product that would work.

Clothes won’t work, at least i wouldn’t want to wear used clothes. The best thing i have come up with is cars. But the startup cost is too expensive. If you had the capitol to go national, that would be very cool. Expensive sports cars that you could trade in whenever you wanted. I’d do it.

Other than that, I cannot think of anything for the life of me.

So, do some research, find something that fits the business model and run with it.

Make Money Boom

Posted on August 21, 2007 (cole)

Making money online is easy. Striking it rich is another thing. What’s the difference?

Anyone can take a survey, or play games, or join any of the other million sites that pay you pennies to do something. I always felt the ones selling the make money schemes are the only ones making the money.

This site was my first attempt to dive into the world of passive income and striking it rich online. I’m not Tom MySpace or Johnny Webstar, so millions are far off. In “80% of Success is Showing Up,” I wrote about giving it a shot. So I am still here and still writing.

This site was actually predicted to double its monthly income for July ($11). Which inst too shabby, but it is not the $40K that some sites are pulling in.

So what is the difference. I think there are 2.

  • Niche
  • Scale

This site is so broad ranged, and i admit i had no idea what i wanted to write about when i started. I did a couple movie reviews, only to discover I only really like watching movies, not so much with the writing about them. I tried some referrals, only to discover my lack of selling ability. And i added some current event stuff, but i was only writing about what the news and web had already been saturated with.

I’ve absorbed so much information on writing, and I feel I have become a better writer for it. But nothing has really changed. I am still on the 8 to 5 gig. I am still fighting debt. And I continue to come up with what seem like great ideas at the time, until i realize how much work goes into it.

So after hours and hours of research, and pages and pages of writing, I have come to the conclusion that the only thing i have created worth value is a couple little Flash programs to cheat at Moola. You ARE welcome. I was using these things a year ago when i first discovered Moola.

So, the point of this rant is to say my Resolve is holding steadfast, but not for CrashMyCubicle. Steve Pavlina, from whom this endeavor started, points out that if you can get a site to make $10 in one month, then you have something to build off of. That is fine and dandy, but exhaustion, distractions, and any other number of factors really determine how successful a site can be. And there are many Make Money sites online that are better than this one.

So i apologize for my neglect to this site. But i feel i have come as far as i can. I will continue to write when the feeling strikes me. But other projects are beginning to take precedence over this one. Although it is my most successful, I feel there are better avenues and ideas on the horizon.

Thank you so much for visiting this site, and feel free to let me know of anything that you think should be included on here.

cole@crashmycubicle.com

I hope you have taken something from this, or at the least made a little cash through a program i wrote about or Moola. I hope to see you in the future and i will post here my new projects that come about.

Yours,

cole

Play Games Online for Prizes

Posted on August 20, 2007 (cole)

I spent the better part of the weekend playing games on club.live.com. If you get 35000 “tickets” you can get an Xbox 360 game pack. I have about 1100 right now.

Chicktionary is my favorite. To cheat you way through, go to unscramble.net and type the letters in the unscramble box. It uses all the letters, so if you need a 6 letter word, try the different 6 letter combinations. If you need 5, use 5, and so on.

It would take litterally forever to get the Xbox, but if you are bored and are playing these games on other sites any ways, you can atleast get something out of it.

Prizes include song downloads, ring tones, Xbox gear, magazine subscriptions, shirts, hats, bags, and even a Microsoft Zune (20,000 tix).

Get Paid to Myspace

Posted on August 10, 2007 (cole)

Yuwie.com is a new social networking site that pays you for the the page views on the content that you submit. Every time someone views one of your images, reads one of your blog articles, watches one of your videos, views your profile, or goes to your comment page, you get credited for a page view. The only drawback is there has to be a 3 second interval between page loads. But thats not too bad. At least its not 30 seconds like some sites.

The trick to making money here, again, are through referrals. Whats great about Yuwie is its very new. So get in asap and start referring people. The referral tower is 10 tiers deep. One of the biggest I’ve ever seen.

Other than that, Yuwie is very similar to myspace, as far as your profile. You can add music, and edit your profile to look any way you choose. It is really just a myspace clone with a twist. But if it were to take off, you will wish you had gotten in now and started getting referrals.

Get Started Here!

80% of Success is Showing Up

Posted on August 8, 2007 (cole)

Do you have a great idea? An idea that might change someone’s life, or perhaps make it a little easier.  Do you have a wealth of information on a particular subject? Can you look up things on the internet?

If you answered YES to any of these questions, then you have a way to generate money. I’m not much of an inventor as of yet, but I do have some information to share and i can research ideas that i am unfamiliar with. I am somewhat gifted with math and have a knack for Flash and Graphic Design. I’m not much on the business side of doing freelance work; its just such a pain.  I can’t change the world with this knowledge.  But i can share what i know.  I can research topics that interest me, combine my findings, and share them on this website.

The point however is, take what you love and what you have a gift for and develop it. Perfect it. And share it with the world. Beyond that, all you have to do is put it out there. Take your ideas and get started. 80% of success is showing up. If you never try, you’ll never know.

The difference between the people who achieve their goals and those that do not is persistence. They never give up. You will make mistakes. No one who ever “made it” knew everything about everything. They made mistakes. And so will you. So will I. That’s life. But if you never get started, thats the only mistake that matters.

So, get out there.  Start your website.  Write your book.  Prototype your product idea.  Do something.  A little bit of work each day will really add up over time.  Get started….

Mutual Funds versus Index Funds

Posted on August 6, 2007 (cole)

The financial information I read generally points you in the direction of a Mutual Funds. They are easy and lucrative. But more recently i have been turned onto Index Funds. I have no Investments as of yet, due to the interest on my debts is more than any investment would generate. If you are thinking about investing, and have debt, then you might want to consider this fact. If your overall goal is to generate the maximum amount of money with your money, then get rid of your debts first. See Get Out of Debt for more on this.

Which is better Mutual or Index

A mutual fund is a form of collective investments that pools money from many investors and invests their money in stocks, bonds, short-term money market instruments, and/or other securities.

- Wikipedia

An index fund or index tracker is a collective investment scheme that aims to replicate the movements of an index of a specific financial market, or a set of rules of ownership that are held constant, regardless of market conditions.

- Wikipedia

Mutual Funds are purchased by you and a group of highly trained investors place your money where they think it will make the most money. It is their job to watch the investments and move the money around accordingly. An Index Fund is an Investment Scheme that doesn’t change.

The stock market in the United States includes the trading of all securities listed on the NYSE, the NASDAQ, the Amex, as well as on the many regional exchanges, the OTCBB, and Pink Sheets. European examples of stock exchanges include the Paris Bourse (now part of Euronext), the London Stock Exchange and the Deutsche Börse.

- Wikipedia

The key difference is the rates that these investments incur. Since no one”mans” the helm of an Index Fund, the rates are much lower than that of Mutual Funds, where a team of people are always working. Then there is Turnover.

Turnover


Turnover is the buying and selling of securities by the fund manager. Mutual Funds are “Active Investments.” What does this mean to the investor? Active funds can be subject to “Capital Gains Tax” charges, which are sometimes passed on to investors themselves. Because Index Funds are “Passive Investments”, the turnovers are lower than actively managed funds.

John Bogle (retired CEO of The Vanguard Group) conducted a study over a 16 year period. His findings indicated that investors only get to keep 47% of the cumulative return on the average mutual fund. Market Index Funds keep an average of 87%. This means $50,000 invested in the index fund grew to $450,000 vs. $245,000 in the average stock mutual fund. That is a 40% gain.

More to come…