Paypal is an online payment system that enables its users to send money online, using their credit/debit card, funds from their bank account or Paypal account balance. Paypal also serves as an online wallet that enables users to to save online, and even invest in the Money Market (US users only). Paypal users can also receive money online and later withdraw it to their local or US bank account, request for a cheque from Paypal, or withdraw funds using a Paypal debit card or shop online.

Features offered by Paypal vary from country to country. For example, local bank withdrawal is unavailable to users in Malaysia (who however can withdraw to a US bank account), but is available to users in Singapore. Many countries (including South Africa) can only send money via Paypal, and do not have the privilege of receiving funds via Paypal.

Paypal is available to users in only 190 countries and the US-based company lays claim to over 100 million accounts. This makes Paypal a must for any serious online merchant. Leading online stores like Dell, Skype, ebay etc accept funds via Paypal.

Another good feature of Paypal is that it shields your financial payment information (credit/debit card and or bank account details) to a large extent. You only need to store your financial information with Paypal, and do not need to share it with merchants or other Paypal users since all you need to complete a transaction is your email address (one attached to Paypal) and Paypal account password when making payment.

Paypal is not without downsides. Users contend that Paypal does not pay interest on the money it stores on behalf of its users though it earns interest on such money in its own bank accounts. Others point out to the fact that all a crook needs is your Paypal-attached email address and account password to gain access and wipe out your account balance. I can however point out that going by Paypal’s huge responsibility of securing over 100 million accounts, various security checks & balances are in place to reduce the incidence of fraud to the barest minimum. The security measures I know of are too innumerable for me to list here.

How can Paypal be of use to you?

Your use of Paypal will depend on what exactly you intend to do online. Are you an online shopper, a small-time seller or a full-blown merchant? Paypal has something for you.

Personal Accounts: This allows users to send/receive money online for free but receiving credit/debit card payment is limited to 5 times a year and attracts charges higher than Premier/Business accounts.

Premier Accounts: This allows users to access the following: eBay Tools, Merchant Services, Accept credit or debit cards, PayPal ATM/Debit Card.

Business Accounts: This functions basically as a Premier account with the added benefit of being able to do business in the name of your company and also provide multiple access (with varying degree of control) to the Paypal account.

According to Paypal’s website,

PayPal allows members to have one Personal account and one Premier or Business account. However, each PayPal account must contain unique email addresses and financial information. You may upgrade your account at any time.

In a nutshell, Paypal opens you to today’s e-commerce world. You too can join now by signing-up for a Paypal account. Click on the banner below to do so now.

e-gold is a digital currency that enables the sending and receiving of gold, anonymously, worldwide. The gold is denominated in grams and ounces but you can display your account transactions and account balance in US Dollars, Pounds Sterling, Euro, Australian Dollars, and some of the other leading national currencies.

According to Wikipedia:

e-gold is a digital gold currency operated by Gold & Silver Reserve Inc. under e-gold Ltd., and is a system which allows the instant transfer of gold ownership between users. e-gold Ltd. is incorporated in Nevis, Lesser Antilles.

e-gold is undoubtedly one of the most popular digital currencies in it class and is widely accepted for domain name registration, web hosting, SMS vouchers, investment schemes (especially HYIP) and many other products and services. As at time of writing, there are 4,033,424 e-gold accounts in existence – according to e-gold’s website.

Why should you open an e-gold account?

• Fast and easy: Making and receiving payments online via e-gold is instant and straight-forward.
• No charge-backs: Get paid, stay paid. e-gold payment system is unlike credit/debit card payment systems.
• Secure: The e-gold website is secure. Transmission between your computer and their servers are encrypted. Rogues cannot intercept the data transmission. The servers are also DDOS-protected.
• Low fees: e-gold has one of the lowest fees for receiving money on the WWW today. Lower than credit card transactions.
• Exchange e-gold for cash: You can buy/sell from/to independent exchange service in your country or else where in the world, for cash. They can send you cash via bank transfer, debit card or pay you in other digital currencies
• Worldwide: You can open/run an e-gold account from virtually any part of the world (I guess Iran is excluded, for obvious reasons)
• Easy shopping cart interface: You can easily integrate e-gold into your shopping cart system on your website, so you can also accept e-gold payment from buyers around the world.
• Make money from referrals: e-gold has a referral system named the e-gold Incentive program. You get paid a percentage each time your progenies (referrals) make a transaction.

As a matter of fact, I have been using e-gold since 2002, and have no regrets so far. Whether you are a merchant or you just want to pay for services, or invest online, e-gold is right for you.

Click on the banner below, to open your e-gold account now:

Yes indeed. It is very possible. As a matter of fact, I am a living example and so are hundreds of thousands of people spread across the globe: bloggers, web designers/developers, graphic designers, server administrators, Search Engine Optimization (SEO) experts, web hosting resellers, domain name resellers, VoIP call credit retailers, e-currency exchangers etc. The list is virtually endless.

Apart from the regular jobs listed above, its also theoretically possible to make money online, by investing, and not doing much work apart from promoting the investment scheme (if you want to earn from referrals). You can trade stocks, bonds, join affiliate programs, and even earn interests from just saving into an online bank account.

However, I am not about to ask you to leave your current job. Your decision to make a living online would be based on several factors: un-employment, under-employment, or even that you are fully employed but want an additional stream of income, so you could finance that dream of a holiday to Hawaii on a cruise ship, or install a digital satellite TV receiver (just like me ).

Why work online?

Working online is not an end in itself, but a means to an end and so working online is not the only means to survival. Indeed, working online is not necessarily a magical wand that will command millions of euros to your disposal. It takes hard-work, perseverance and smart thinking.

You should only decide to work online, if it is absolutely convenient for you to do so. You should factor your family, your social life, your current commitments, availability of a steady Internet connection, electricity etc.

What can I do to make a living online?

There are literally thousands of things you can do, to make a legitimate income over the Internet. However, I will divide them into three broad categories:

1. Offer expertise online:

The kind of expertise you offer online should be related to something you are passionate about, have a reasonable amount of knowledge about, and have a solid experience doing.

For example, if you are a car enthusiast, what about creating a website (or specifically, a blog) about car reviews, news about the latest release of cars (automobiles). In a stretch, you are sharing useful information about something you enjoy doing, and more importantly, make real money.

2. Join affiliate programs

You can earn money by referring buyers to ecommerce websites. Depending on the website policies of the ecommerce merchant, you are paid a commission based on the amount of leads you provide. You do not necessarily need a website, to join an affiliate program since you will be provided with a unique website URL with which you can market the ecommerce website.

3. Offer service / sell goods

You can create a website, where you market goods for sale, or offer you skills for hiring by others.

Each of these along with links will be explain in due course, on this website.

Are there any downsides to working online?

Of course there are. Every job has its associated risks and hazards.

Sitting behind computer screens for long periods of time with regular exercise can result in health hazards like poor vision, exposure to Ultra-Violet rays, muscle pulls, etc

Affiliate programs can shut-down and a web hosting server can go offline due to technical hitches.

Funding Rates:

• Liberty Reserve: 1.7 Ghana Cedis per USD
• Alertpay: 1.65 Ghana Cedis per USD

We do not buy Liberty Reserve or Alertpay funds at this time.

Important terms and conditions:

• Minimum of $50 per transaction
• You would deposit Ghana cedi into a corporate bank account in Ghana. We do not accept funds in our office.
• You would receive the alertpay/libertyreserve only when your payment has been verified.
• Your e-currency will be delivered same day, all things being equal.
• Serious buyers only. Don’t bother contacting us if you do not agree to the terms above.

Alertpay and Liberty Reserve funding available for residents of Ghana and Nigeria only.
You can buy Liberty Reserve or Alertpay from Ghana or Nigeria and pay in local currency through this website and get your account funded usually same day. Click on the appropriate country for full details specific to each country.

Alertpay and Liberty Reserve funding available for residents of Ghana and Nigeria only.
You can buy Liberty Reserve or Alertpay from Ghana or Nigeria and pay in local currency through this website and get your account funded usually same day. Click on the appropriate country for full details specific to each country.

Alertpay and Liberty Reserve funding available for residents of Ghana and Nigeria only.
You can buy Liberty Reserve or Alertpay from Ghana or Nigeria and pay in local currency through this website and get your account funded usually same day. Click on the appropriate country for full details specific to each country.

Alertpay and Liberty Reserve funding available for residents of Ghana and Nigeria only.
You can buy Liberty Reserve or Alertpay from Ghana or Nigeria and pay in local currency through this website and get your account funded usually same day. Click on the appropriate country for full details specific to each country.

Alertpay and Liberty Reserve funding available for residents of Ghana and Nigeria only.
You can buy Liberty Reserve or Alertpay from Ghana or Nigeria and pay in local currency through this website and get your account funded usually same day. Click on the appropriate country for full details specific to each country.

Alertpay and Liberty Reserve funding available for residents of Ghana and Nigeria only.
You can buy Liberty Reserve or Alertpay from Ghana or Nigeria and pay in local currency through this website and get your account funded usually same day. Click on the appropriate country for full details specific to each country.

Alertpay and Liberty Reserve funding available for residents of Ghana and Nigeria only.
You can buy Liberty Reserve or Alertpay from Ghana or Nigeria and pay in local currency through this website and get your account funded usually same day. Click on the appropriate country for full details specific to each country.

Alertpay and Liberty Reserve funding available for residents of Ghana and Nigeria only.
You can buy Liberty Reserve or Alertpay from Ghana or Nigeria and pay in local currency through this website and get your account funded usually same day. Click on the appropriate country for full details specific to each country.

Alertpay and Liberty Reserve funding available for residents of Ghana and Nigeria only.
You can buy Liberty Reserve or Alertpay from Ghana or Nigeria and pay in local currency through this website and get your account funded usually same day. Click on the appropriate country for full details specific to each country.