perhaps Joe deserves a little leeway on this? after all, when you're 17 - the world is your oyster, you're going to rule the world & everyone else is always wrong, no matter what...
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Officebird
- Original Poster
- #44
Arghh, was reading through this thread going crazy and thinking up mty reply in my head. But now I know he is only young I will refrain as that answers why he comes across the way he does lol.
To the OP, I personally don't like payday loan businesses as they prey on societies most desperate and poor people. 2000 odd percent should be illegal imo and I think if you don't know a lot about the industry anyway then perhaps you would be better off finding something a little more ethical to get into. Just my opinion
To the OP, I personally don't like payday loan businesses as they prey on societies most desperate and poor people. 2000 odd percent should be illegal imo and I think if you don't know a lot about the industry anyway then perhaps you would be better off finding something a little more ethical to get into. Just my opinion
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Get lost. Don't bring age into this, just cause you have nothing to say. So it makes a difference if I'm 17? You'll read my posts a different way? I have just as much knowledge on what I do as anyone.
Yes, the one where I got told by you to "give the young lad a break" after telling him to get off his arse and do something.
So you're not going to reply to me now you know my age? Don't belittle me, just because you're not willing to stick your neck out.
CheersI didn't know Joe was 17. Good luck to him.
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Joe a word to the wise.
Some of the people here have been in business a long long time. Some of the people on this thread make more money in a month that you will do per year in the first years of your business. You should be learning from these people not calling them names.
You've come on here and half read posts, replied in a way that makes it patently apparent that you haven't grasped the meaning behind someone comments and frankly you're making yourself look like a child.
You could be reaping the benefits of peoples' experience here but all you're achieving through your crass arrogance is peoples' disdain.
You've quoted me and others out of context many times already. I've made allowances for your obvious lack of experience in business but now you need to shut up and learn some humility.
You young Sir have a great deal to learn and I suggest you start learning some of it before you alienate everyone on here.
Your reputation sticks with you like sh*t to a blanket. You'd do well to learn that for a start. This forum is searchable on google and when your web address is searched, what kind of links are come up with bestintheworldmedia.com?
Think about it eh?
Some of the people here have been in business a long long time. Some of the people on this thread make more money in a month that you will do per year in the first years of your business. You should be learning from these people not calling them names.
You've come on here and half read posts, replied in a way that makes it patently apparent that you haven't grasped the meaning behind someone comments and frankly you're making yourself look like a child.
You could be reaping the benefits of peoples' experience here but all you're achieving through your crass arrogance is peoples' disdain.
You've quoted me and others out of context many times already. I've made allowances for your obvious lack of experience in business but now you need to shut up and learn some humility.
You young Sir have a great deal to learn and I suggest you start learning some of it before you alienate everyone on here.
Your reputation sticks with you like sh*t to a blanket. You'd do well to learn that for a start. This forum is searchable on google and when your web address is searched, what kind of links are come up with bestintheworldmedia.com?
Think about it eh?
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5chars .Joe a word to the wise.
Some of the people here have been in business a long long time. Some of the people on this thread make more money in a month that you will do per year in the first years of your business. You should be learning from these people not calling them names. I know they've been in business for a long time. However, I haven't exactly been in business for a short amount of time, either, although admittedly not to the scale I'm currently running at. I doubt there's many on this thread who do that. I've never called anyone names on here who hasn't said something to me first. I've told people I think they're wrong, sure, but I've been happy to admit it when I feel I have been wrong.
You've come on here and half read posts, replied in a way that makes it patently apparent that you haven't grasped the meaning behind someone comments and frankly you're making yourself look like a child.
Which posts have I half read?
You could be reaping the benefits of peoples' experience here but all you're achieving through your crass arrogance is peoples' disdain.
I do reap the benefits of people's experience. However, there are a lot of *sugar* merchants on here. Plenty of good advice, sure, but there's plenty of advice that's absolutely terrible!
You've quoted me and others out of context many times already. I've made allowances for your obvious lack of experience in business but now you need to shut up and learn some humility.
Shut up and learn some humility? Wow, bit of a contradiction in a single sentence there...
I'll answer you though, I'm happy to have humility to people who know what they're talking about. However, you shouldn't assume, just because of my age, I know nothing.
You young Sir have a great deal to learn and I suggest you start learning some of it before you alienate everyone on here.
I'm sure I do. Don't we all?
Your reputation sticks with you like sh*t to a blanket. You'd do well to learn that for a start. This forum is searchable on google and when your web address is searched, what kind of links are come up with bestintheworldmedia.com?
I'd rather have the reputation of being a bit arrogant, but doing a good job, than to sit down, shut up, and listen to the older people, and not have any reputation
And I should hope my SEO skills are good enough to outrank a forum post.
Think about it eh?
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Plenty of experience, actually
And yep, I'll still been making money in sixth months. I've been well into profit for the past 2 years.
You make the mistake of assuming that Web Design & SEO is my only business. (although yes, BITW Media is in profit as well.
)
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Why? Will it hurt your ego too much to know a 17 year old's making decent money?All of the above
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Actually, I have close to 20 .com domains, some developed, some not. I can assure you, however, that I do have a website. I'd prefer to slowly come out with a website that's perfect, than come out with a rushed one quickly.ZZZZZZZZZZZZzzzzzzzzzzzzzz
The website expert with erm no website
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I'll be straight with you - I have websites. That are developed. And I do listen, but not to people who try to belittle me and mask it as "wisdom".
As I've said previously, in this thread, I believe, in fact - I'm not about to reveal a major income source just to prove a point to someone on the internet.
I can screenshot my namecheap account though, if that helps? That will show the number of domains. I also have one or two in Godaddy, as well as daily.co.uk. I have 12 or 13 in namecheap though.
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As I've said to others - put your money where your mouth is. £30 deposit, pay on completion only if you're satisfied.
Although I guess you'll have another "Lol ur 17!11" answer to that as well.
P.S. Gonna stop feeding the trolls after we've "discussed" this. Anything further can be carried out via PM.
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Arghh, was reading through this thread going crazy and thinking up mty reply in my head. But now I know he is only young I will refrain as that answers why he comes across the way he does lol.
To the OP, I personally don't like payday loan businesses as they prey on societies most desperate and poor people. 2000 odd percent should be illegal imo and I think if you don't know a lot about the industry anyway then perhaps you would be better off finding something a little more ethical to get into. Just my opinion
Dont get caught up on the APR. If someone is in a tight spot with bad credit, then borrowing a hundred quid and paying back £25 in interest is not that bad.
Without these companies, alot more people would be finding life alot harder.
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Anyway
I'm going to act my age and not my shoe size and extend an olive branch to Joe here.
Mate, when I started out in business there weren't any forums. There weren't any business network events or anything like that.
I would have given my right arm to get access to some good advice from people who had "been there, done it and worn the tee shirt"
You've got a golden opportunity here to get some really good advice and learn some techniques that will save you a lot of heartache, help you grow faster, and make it a less painful task to get where you want to be.
Please take it.
Jon
I'm going to act my age and not my shoe size and extend an olive branch to Joe here.
Mate, when I started out in business there weren't any forums. There weren't any business network events or anything like that.
I would have given my right arm to get access to some good advice from people who had "been there, done it and worn the tee shirt"
You've got a golden opportunity here to get some really good advice and learn some techniques that will save you a lot of heartache, help you grow faster, and make it a less painful task to get where you want to be.
Please take it.
Jon
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Ok, thanks, let's end it there.
In summary - I am, and always will be, willing to take advice from anyone, provided the person doesn't treat me like a moron who knows nothing about their industry.
EDIT: P.S. Sorry if that sounds aggressive, it wasn't meant to be, I just don't know how else to word it.
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Ok, thanks, let's end it there.
In summary - I am, and always will be, willing to take advice from anyone.
That may have been the best way to end it.
You dont have to bite, if someone posts something you do not like then dont respond to it. Always works for me.
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Come on guys. I am the first to criticise young wannabe's who come on here without a clue and I may even had a pop at Joe in the past.
Reading his last half a dozen posts however he does come across as pretty mature business wise for his age and I don't think we can really blame him for being a bit brash where people dismiss his views purely on the ground of age.
I refer you all to Stefan. He was probably the same age when he joined the forum and he wasn't slagged off despite him struggling with his business. In fact he was well liked and earned a lot of respect.
I think this is all down to personality then and I would offer Joe the following advice.
You are young which means that you don't have a lot of business experience or dare I say it like me a lot in a wide variety of business sectors. When offering your opinion then do as Stefan did - stick to the areas that you do know personally and not read in some book or other on how to get rich quick. That way you advice will be appreciated.
Start making wild claims about your own business Joe or pretending your a know all and your end up a laughing stock like Dancing With Poodles.
I'll leave with 1 more tip then. I gather your earning well out of affiliate programs. Write an authoritive article on that subject. Stick on a blog and even I would be interested.
Good luck
Reading his last half a dozen posts however he does come across as pretty mature business wise for his age and I don't think we can really blame him for being a bit brash where people dismiss his views purely on the ground of age.
I refer you all to Stefan. He was probably the same age when he joined the forum and he wasn't slagged off despite him struggling with his business. In fact he was well liked and earned a lot of respect.
I think this is all down to personality then and I would offer Joe the following advice.
You are young which means that you don't have a lot of business experience or dare I say it like me a lot in a wide variety of business sectors. When offering your opinion then do as Stefan did - stick to the areas that you do know personally and not read in some book or other on how to get rich quick. That way you advice will be appreciated.
Start making wild claims about your own business Joe or pretending your a know all and your end up a laughing stock like Dancing With Poodles.
I'll leave with 1 more tip then. I gather your earning well out of affiliate programs. Write an authoritive article on that subject. Stick on a blog and even I would be interested.
Good luck
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Officebird
- Original Poster
- #64
I see your point but surely if someone is in desperate need for £100 for a week that they are willing to repay £125 back then when they do pay the £125 they are going to be in an even worse situation in a weeks time? It seems to me to be a never ending circle. What would be better would be some form of budgeting and debt consolidation advice for people in this situation. Obviously there is a lack of this and people are forced to use payday loan type services. The problem arises when they are unable to pay back on time, that's when the interest stings them and they end up borrowing from Adam to pay Paul.
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Thanks very much
Thanks for all the advice. Generally, though, if I know nothing about a subject, and it's from a layman's point of view, I will say that in the post. Thanks, though, and I'll come out and say it here. My main areas of expertise are website design, SEO, affiliate marketing, PPC & a bit of copywriting (done it in the past, generally avoid it now though).
I'll try and specify more in the posts if I don't directly know anything about the subject.
Good idea about the blog post, I may even write a couple. In fact, you've reminded me, a while ago I wrote a 500 word article on the subject, which was going to be sold as PLR, but I never got round to it... Perfect
Thanks again.
What's that company? Because don't forget to take into account the quality of the leads - if they've already sold them to 20 other companies, they're essentially worthless.
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H
harryboon
- Original Poster
- #68
I am sure you can pay £2k for a landing page but you would be potty to do it!
I am working on a new project currently and I can get whole CMS websites replicated for a faction of that cost.
Give me a few weeks and I will show you live sites so you can see the quality
I am working on a new project currently and I can get whole CMS websites replicated for a faction of that cost.
Give me a few weeks and I will show you live sites so you can see the quality
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Firstly, I'm a website designer myself, I can likely easily beat your priceI am sure you can pay £2k for a landing page but you would be potty to do it!
I am working on a new project currently and I can get whole CMS websites replicated for a faction of that cost.
Give me a few weeks and I will show you live sites so you can see the quality
Secondly, I doubt you could design a website that converted anywhere near a 2 grand one.
Thirdly, you need a full membership to advertise on here.
But that's it, if you want to reply to that, do it via PM, I'm not getting into this again!
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[
What's that company? Because don't forget to take into account the quality of the leads - if they've already sold them to 20 other companies, they're essentially worthless.[/quote]
I cant think of their name off the top of my head, would have to look through my history.
The company claims to only supply the details to one buyer, the example of a lead that was shown was quite thorough.
I have a vested interest In this info about leads, Im not trying criticise or catch you out.
What's that company? Because don't forget to take into account the quality of the leads - if they've already sold them to 20 other companies, they're essentially worthless.[/quote]
I cant think of their name off the top of my head, would have to look through my history.
The company claims to only supply the details to one buyer, the example of a lead that was shown was quite thorough.
I have a vested interest In this info about leads, Im not trying criticise or catch you out.
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By then they have been paid and the problem is defferred. A friend of mine was briefly involved with a UK company that was doing this in a America and they absolutely raked it in. All the borrowers were employed people and a typical occupation was a nurse. The company made it easy for you to just pay the fee and roll it over. You can get money quickly and £25 does not seem so much. Ironically (I believe) money actually has less value when you are in debt. The rates are extraordinary but are probably not far off what a bank charges you for an unauthorised overdraft.
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I cant think of their name off the top of my head, would have to look through my history.
The company claims to only supply the details to one buyer, the example of a lead that was shown was quite thorough.
I have a vested interest In this info about leads, Im not trying criticise or catch you out.[/quote]
No problem, I'm just pointing it out as well
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There was a very interesting article on the BT/Yahoo website last week that compared these companies to going over your overdraft limit (on an unauthorised basis) and the charges imposed by the banks.
The example they used was going over your limit by £200 for 9 days. The terms offered by Wonga for example actually started looking remarkably cheap compared to the fees that the banks would apply with the charges levied by Lloyds TSB running to an equivalent APR of over 1000000% compared to Wongas 3000%...
Clearly the exact charges depend on the type of your account but I have to say it was a bit of an eye opener...
John
The example they used was going over your limit by £200 for 9 days. The terms offered by Wonga for example actually started looking remarkably cheap compared to the fees that the banks would apply with the charges levied by Lloyds TSB running to an equivalent APR of over 1000000% compared to Wongas 3000%...
Clearly the exact charges depend on the type of your account but I have to say it was a bit of an eye opener...
John
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M
Magsite
- Original Poster
- #77
I'd defo recommend getting a good domain name though for your pay day loan business!
I've got a couple of sites running, and I'm classed as an affiliate so a way of getting more leads could be to share your profit per lead with affiliate sites.
i.e Crisis Loans and easy payday loans are two examples of affiliate sites.
I've got a couple of sites running, and I'm classed as an affiliate so a way of getting more leads could be to share your profit per lead with affiliate sites.
i.e Crisis Loans and easy payday loans are two examples of affiliate sites.
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I maybe wrong but with Barclays its not down to the period of the unauthorised overdraft but down to the amount of unpaid d/d's.
I have a Barclays account that i do not use that much but recently I had a d/d that i forgot to cancel that wasnt paid along with a premium account fee, I was charged £8.00 but wasnt sent a letter or charged a daily rate, perhaps someone can clarify.
I didnt know about this until a month latter when the situation repeated itself and was susequently charged again.
So if you look at the amount i was overdrawn £24.00, comparred to the charges £18.00, you are looking at some serious interest.
I have a Barclays account that i do not use that much but recently I had a d/d that i forgot to cancel that wasnt paid along with a premium account fee, I was charged £8.00 but wasnt sent a letter or charged a daily rate, perhaps someone can clarify.
I didnt know about this until a month latter when the situation repeated itself and was susequently charged again.
So if you look at the amount i was overdrawn £24.00, comparred to the charges £18.00, you are looking at some serious interest.
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Magsite, can you elaborate on how your sites generate leads, sorry if that is a silly question.
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Hmmm in theory sounds good but in reality you should never borrow money to pay liabilities. It could be the start of a downward spiral. If you are already in financial difficulty, borrowing for consumption is never a good option. Also you will have to pay the interest which you obviously can't afford otherwise you would not be in this situation.
Another option could be to cancel the DD and inform the creditor that you have done so. Explain the situation as to not incur any more charges and agree a suitable date to pay them and then after doing so re start the DD.
If that is too difficult for someone to manage their money and keep ontop of their DD's, then open up a basic current account. Every bank has one. Use that account as your DD account because if the DD bounces you will not be charged.
I know one guy who works to pay his pay day loans then borrows off them again. It's a never ending circle. The pay day loan business makes a small fortune off him. An ideal client. However he is locked in and can't see a way out.
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