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AlertPay is another payment processor based out of Canada.  AlertPay, according to DNS records, was founded on October 30th 2005.  Otherwise, their history is very difficult to track.  They have no Wikipedia article of anything about it on their website.  However, AlertPay is the payment processor of choice for many Paid to Click sites.  Paid to Click sites are no longer allowed to use PayPal as a payment processor due to PayPal’s Terms of Service.  While PayPal has blocked out this large source of income, AlertPay has welcomed it with open arms.  The disadvantage with AlertPay is that many of the bank transfers take a long period of time to get to and from your bank account.  In my experience, they have usually taken around 5 business days.

Moneybookers is a payment processor based out of the United Kingdom.  They offer a different twist on payment processing.  They allow many transactions considered to be “high risk”.  These include paid to click sites, casinos and pornography sites.  They have very stringent rules of money laundering.  Also, there are no fees to the person who is receiving money.  The downside once again with Moneybookers it that their support is not very good.  They also have fees for everything, sending money, getting a check, using a credit card, getting a deposit in the bank.  It is really overkill and if they would eliminate some of the fees it would be very nice.

Revolution Money Exchange or RME is a payment processor based out of Florida.  They are very new launching in 2007.  They offer $10 for every new account you get to sign up.  They do require you to give out your Social Security Number, therefore only U.S. residents can have an account.  They have very low fees with no send/recieve fees and free bank transfers.  A check from Revolution Money Exchange costs $2.50.  I have not had to call Revolution Money Exchange support, so I have no comment on their support.  They seem like a nice payment processors overall.

The one payment processor I would avoid entirely is e-gold.  They have been the subject of a federal investigation and nearly all of their transactions are considered to be high risk.  They have been caught doing some illegal activities and they company itself is not very ready to help you if you have any problems.  Use on of the four above, they at least have some policies in place to help you should you need it.  I hope you enjoyed this review of different payment processors.

ChaCha is an online people powered search engine.  They pay people to answer text message queries about nearly anything.  You get $0.20  per text query you answer and it can add up rather quickly.  You can either get paid via a EFT at the end of the month or via a special bank account that can only be setup through ChaCha.  This bank account comes with a Visa check card that you can use to buy things just like a normal Visa card.  The thing about ChaCha is that it is very specific about who it lets in.  You must be someone who is from the United States, knows a fair bit about the internet and able to legally work within the United States.  You have to go through the ChaCha guide academy, which consists of test queries that are analyzed by ChaCha and then it is determined whether or not you are allowed to become an employee.  Don’t worry, it is a simple enough process and ChaCha makes it clear throughout.  If you become a ChaCha guide it is a rather nice way to make a few extra bucks.  Their guide team is one of the best in motivating you to take on more work.  Don’t worry if you do not know how ChaCha works at first, they are there to help you and will make sure you get all the training you need to help people.  Have fun with a different job and help others at the same time.

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• Shop at Walmart.  Seriously, you can save a lot by shopping there and people do actually try to get you the lowest price possible on items you really need.  Going there to buy clothes, groceries and even prescriptions is a very good idea because it will cost you much less than going to another pharmacy or grocery store.
• Coupons!  Coupons still exist and they are a great way to keep costs down while still being able to afford items that you either want or need.  The best part about coupons is that they are basically there shoving money at you.  Also, you do not need to get the newspaper to take advantage of coupons, they are online now too!  You can look at most stores flyers online and plan you shopping trip while saving energy at the same time.
• Shop around.  Do not shop at one store just because you can get everything you need there.  While this may be easy it is often times more expensive.  Look around in your coupons or online to see what stores have the best prices.  You would be amazed how so many people do not do this common sense tip and loose so much money!
• FREECYCLE!  This site is amazing with all the stuff you can get for free.  People just do not want it anymore and you can go and pick it up.  Enjoy all the wonders you can get with just a ride to some strangers house!
• eBay.  There are some great reasons to shop on eBay.  Let me give you one scenario I was in.  I needed another graphing calculator because I lost mine for the third time this year.  So I did some scouting on eBay and found one for $30, $70 less than what Staples wanted.  That just saved me so much money that it really is not funny!  Imagine all the good deals you can get on eBay.
• Coupon codes for online purchases.  I never do much online shopping outside of eBay or Amazon but if you are someone who does may I suggest that you look into finding some coupon codes for your favorite merchant.  More than likely they have one that will allow you to get some great discount on your purchase!
• Keep looking.  If you see a price that look to high for an item, it probably is.  You can just keep looking further online and find a merchant who is willing to sell you the item for less.  Do not give in the first moment you see a great price, make sure it is really the best price you can get so that you get the best bang for your buck.

Well, those are my tips for keeping more money in your pocket while you shop. Shopping takes money away from you to begin with, so use some good judgment and keep smart about where you money is going!

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