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[A273]Adventure Quest Easy Money

by George A. Parker, Geo

During 2005, loans to U.S. businesses topped $1.5 trillion according to Reuters Loan Pricing Corp. Participating in this credit frenzy were banks, insurance companies, business finance companies, hedge funds and a host of other credit providers. With many potential borrowers awashed in cash, lenders continue to fall all over themselves to make business loans. Can this easy money period last?

Apparently, no clear end to easy money is in sight. In fact, the fate of easy money rests with GDP growth over the next year or two. If GDP remains strong, company profits should follow suit. In the absence of unexpected adverse factors, corporate liquidity should remain strong. Most economists predict that GDP will grow solidly in 2006, albeit not at the lofty 3.5% level of 2005. Even the prospect of additional Fed rate hikes is not expected to dampen corporate liquidity or to curb the competition among lenders to put on loans.

Despite an indication that easy money will be here for a while, dark clouds could enter the horizon and bring an end to the easy credit party. A dramatic event like a terrorist attack or a large corporate loan default could spook lenders into running for cover. Another threatening development would be a slowdown in consumer spending. Spendthrift consumers have been driving economic growth for years, but they are showing some signs of buying fatigue. Lastly, regulators could turn the party out by increasing the scrutiny of bank loans. This development is not very likely, given the reasonable level of loan defaults and regulators' present focus on the aggressive mortgage market.

Given all the possible scenarios, lenders are not expecting any loan market slowdown over the next year. In fact, many CFOs believe that the loan market does not get any better than this. If you find yourself in the market for a new business loan or if you are looking to refinance an existing one, now is as good a time as any.

Jobslover Research advertises that it covets "the finest minds" in online research. Signing up for this website was easy; I simply entered my name, e-mail address, gender and birth date and they sent me an e-mail. I opened the e-mail and clicked on the confirmation and was a member.

The site advertises that it has a "zero tolerance spam" policy. Jobslover Research pays its members monthly through their Paypal account, but you have to have a $50 balance in order to get paid.

Surveys are easy, but some of them require you to test different products. One has to be careful with this. A survey to "test" a different online carrier pays $75, but how difficult is it to drop the carrier if it doesn't work out?

There are many surveys, however, that pay in the $5 range and they normally last about 20 minutes to complete. They consist of the use of different household products, online shopping sites and cigarettes. Members can also earn $5 for every friend that they get to join the site.

I took a very quick survey for which I earned $2. This asked me many of the usual questions that most survey companies asked such as my average household income, occupation, number of dependants and ethnicity. I found it odd that they asked my religion and sexual preference, however. This was the first time that I've been asked such questions during any survey.

Those who get easily offended can take comfort in the fact that answering these personal questions regarding your religion and sexual preference is optional. JobsLover Research affirms that they will not share this information with anyone.

Unlike some survey sites, JobsLover Research sends you surveys through your e-mail account that fit your criteria. If you truly like taking surveys, answer "yes" to anything they ask you. Tell them you eat at fast food places at least three times a week and smoke like a chimney. Answering "no" to any questions limits your survey taking ability.

Beware of giving them your credit card or billing information. Many of their surveys require that you "test" a product. JobsLover Research will send you the product, charge your account for it, and then, once you return the product with the completed survey, refund you. For someone like me who doesn't like running back and forth to the post office, this isn't for me. Be careful of what type of survey you sign up for.

JobsLover Research reminds me a bit of some of the survey companies that I joined years ago. These companies offered up to $75 in exchange for testing their products at their facility. In some cases, you had to bring the product home, use it for a certain period of time and return to the facility to fill out a questionnaire. The surveys offered by JobsLover Research pay more than the average online survey companies, but are much more involved.

People who enjoy actually testing new products might enjoy participating in this research company. Those who are looking for a fast buck, however, are best to seek out other legitimate online survey sites..

Article Source : Pg. 137

About Author

Both George A. Parker & Gagan Kainth are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.

George A. Parker has sinced written about articles on various topics from Finances, Business and Finance and Speed Reading. . George A. Parker's top article generates over 1300 views. to your Favourites.

Gagan Kainth has sinced written about articles on various topics from Home Businesses, Adsense and Finances. Gagan Kainth is the Author of this Article, he is a well known internet marketer from the last 6 years. He Loves to help People for doing home based business, Every time when ever he see any best home based business opportunity he tells it to the world.. Gagan Kainth's top article generates over 40500 views. to your Favourites.