The professionals always tell us that we should all have three months of salary saved up for emergencies. Have you ever managed it? I never have, even when I had a day job.

The only time I ever had more money coming in than was going out was for a few months as an online writer, when I had so much work that I had no time to spend the payments I was receiving.

I thought about this and came up with the following possibilities:

  • Sell stuff on eBay – I don’t have a lot of things people would pay for but I could find £2,000 worth
  • Sell my car – It is a 12 year old Fiat Punto – £200
  • Hire myself out as a writer – I have the contacts who would give me work – £2,000
  • Give private tuition – I am a science teacher and have done a lot of private tuition – £300
  • Run a course locally showing how businesses can set up their own websites – £500

Done it, I found £5,000 but I now have no car, TV or computer because I had to sell them.

Other Ideas

I talk to a lot of people at and four people responded with their ideas. I would like to thank Anna Fox, Jessy Troy, Danny Garcia and Jeevan Jacob John for taking the time to share your ideas.

Anna Fox referred me to Rob Cubbon’s blog post on the passive income he makes which is impressive, and gave me ideas for the next 12 months, but passive income is not instant cash. It takes a while to develop your passive income streams.

Jeevan Jacob John said he would offer online services such as setting up websites and writing content for bloggers. He would use his network of contacts to find work, illustrating the importance of building up your network sooner rather than later.

Danny Garcia suggested selling a kidney and praying for a miracle. He also made the good point that you should never have got yourself into the position of needing so much money so urgently.

Jessy Troy has what I think is the best idea and one I will be implementing immediately. Most business blogs are dead in the water, with no regular updates, social media presence or search engine rankings. Offer package deals costing around £400 per month that include basic on-page optimisation, content and visitors from social media. You can use to generate the social interest. This business model has the bonus that it will also give you a regular income stream.

Using These Ideas

The main point is that there are ways to earn money quickly. You can avoid spending a fortune on software and resources and can just apply a bit of common sense to generate multiple income streams that will get you out of a tight spot AND prevent you ever being in the same situation again.

Your Turn

How would you find an extra five grand without resorting to borrowing or criminality? Please share your plan below; it might inspire others.



As a business owner, or at least a would-be one, you know you need a website, but it ain’t simple.

  1. First there are free options; why would anyone pay if the same thing is available for free?

The simple answer is that it is like comparing a donkey with a horse. Both do the same job, but they are different animals. Free hosting is slow, displays extra ads and is unreliable. Do you want your website, the public perception of your business, to be seen as a donkey in a field of race horses?

  1. Second there is the fact that every website review you read is biased because of the affiliate commissions that the reviewer receives.

Web hosting is big business. The selling model is one that pays large commissions to people called affiliates who persuade people to buy the company’s hosting. This means that every single review you read online has been written in order to earn $100 commissions. How can you believe what the writer is saying?

  1. Thirdly, there are so many web hosting review and comparison sites that you could spend the rest of your life trying to decide on your best option.

Every review site has multiple affiliate links to the featured hosting companies. You will never find links to companies that do not pay commission.

  1. Fourthly is the fact that the Web is full of ads for the big hosting companies.

Everywhere you go you see display ads for big hosting companies. Every one is an affiliate ad, which will earn $100 or more for the website owner if you buy hosting after clicking the ad. The advertisements are also there to raise the profile of the big companies in the mind of people who are looking for hosting.

How Can You Find the Best Web Host?

There are multiple factors to take into account. It depends what you mean by ‘Best’.

I conducted a survey at and found a range of opinions as to factors you should consider as the most important.

Here are the three tricks I am using to choose:

Read Quora. They have lots of great insights into various features and services.

No host will ever have 100% positive reviews. Deal with that. Some things are more important than others. In the first place, stay away from services that are constantly hacked and always down (from what people say).

More often than not, the cheaper, the poorer the service will be. But a high price doesn’t automatically mean a good service, either. So do your homework reading online reviews (see #1) before making a decision.

My preferred choice is WPengine (for WordPress)

Just one factor – Support - this is by far the biggest factor I look for when selecting a hosting package. If there is a problem with my site, I want it resolved immediately. I am currently with HostGator. They used to have excellent live chat support with a response time of only a few minutes. 9 times out of 10 the online agents could fix any problems within a matter of minutes.

Noticed how I said ‘used to have excellent support’? Not anymore! I have read that they have been taken over by another company and this has severely affected their support. Last month I upgraded to a dedicated server and had nothing but problems! They did not configure my new server correctly after migrating my websites. This meant my sites were offline for a total of 3 weeks!

Their live support now takes 30-90 minutes for someone to pick up and the agents are unable to deal with a lot of basic problems and need to escalate it higher, basically pass it on to someone twho knows what they are doing! A response from this person takes anything from 24-72 hours, which is useless if your website is down and you are losing money. I am looking to migrate to BlueHost as they have excellent live support and answer within a few minutes.

Since it is difficult to move a website from one host to another (domains are easy, the entire site can be tricky), this is a relatively heavy decision:

Consider the neighborhood: Will your site be on the same server as spammers and pornographers? Search to see if the host you are considering has had problems with that in the past.

Consider the technical support: How easy or difficult will it be for you to get help when (not if) you need it?

It’s tough to find honest reviews of hosts, but you can ferret the real stuff out from the affiliate guys if you work at it.

Look to alternatives: Jason Wiser, for instance, runs a host that is selective about who gets in, and he is hardline on security. Support is quick and professional. (Check it out at

There are smaller, more private hosts that do a great job. Seek them out. (Disclaimer: I often take on writing projects for Jason and his On Track Tips podcast/blog, but the link is not an affiliate reference.)

This is a matter close to my heart. I’ve been driven to nail-biting and hair-tearing over this recently.

Responsiveness: If you contact them, they should respond to you ideally within minutes, and if not, within hours. If they spend more than a day to get back to you, good luck.

Uptime: Many web hosts claim 99.99% uptime but in my experience, this is not really true. Unfortunately, I’m not sure how you can verify this.

Competent customer support: Sometimes, they don’t even know what they’re talking about and can’t solve your problem. True story, my website was experiencing intermittent downtimes a while back. When I asked for help, they said it was up as we spoke so not a problem anymore…

Customer Service:  I can’t tell you how many times my projects have come to a halt, because I’ve lacked the expertise to overcome technical hosting issues.  Customer service should be the first factor to consider when making a decision about web hosts.  A good webhost should have customer service reps available around the clock via web chat or phone.  The best places to get feedback about this are: social media sites, the”Web Hosting Talk” forum, Yahoo Answers, and Webmaster Forums.

Features:  Ever wanted to deploy a website in as little time as possible? Most hosts come with one-click install scripts that can make your life easier.  There is no such thing as “too many features” when it comes to web hosting.  Some of the features you should pay attention to are:  Storage space, bandwidth, number of domains you are able to use, number of databases you can deploy, whether or not SSD drives are available, and the overall server uptime.

Scalability: Once you’ve tasted a bit of success, the last thing you want to hear is that your webhost suspended your account because you are bringing in too much traffic, or because you are using too many system resources.  Scalability is a key factor to keep in mind when choosing a webhost.  Paying attention to whether or not your host offers VPS, and dedicated hosting, ensures that you will be able to expand into more robust hardware as your business grows.

I have never purchased a hosting account before. That’s mainly because of cost. But now that I see Hostgator’s $.01 cent (on the first month) promo, I might seriously reconsider. I also want to dabble a bit with HTML5 and Javascript as I’ve embarked on a learning process.

I’ve discussed this many times over the years with other people who keep convincing me to have a self-hosted WordPress account. Their usual mantra is content ownership, security and functionality. And they have a strong point.

Frankly, last week, I suspect that one of my sites was DDOS’ed but since my platform is Google’s Blogger, it held. I got a huge spike of suspected bot traffic from Israel which didn’t register in my other traffic counters. It showed up though on Google Analytics.  For what it’s worth, Blogger’s mantra of providing free hosting makes the most sense even if Blogger’s blog platform has had only small updates in the past few months. It just works out of the box and does what it’s supposed to do. It is very, very, very rarely down.

Online Page Editor. I’m also studying the offers being made by, and Their online editors are pretty impressive, but I’m still comparing them with each other. I haven’t delved deeply into their editors but I have made a few sites which look well, new.

Reputation: When searching for a web host looking at a host’s reputation is very important. Be sure to check out review sites, but be aware that hosts pay affiliates a lot of money to promote their product, so reviews may not always be accurate. However, is an awesome forum to get honest feedback about web hosts. The awesome thing is that many web host CEOs hangout there, so you can get your information directly from the source. The final thing to remember is that a lot of time only angry people post reviews, so be sure to check out a good number of reviews to get the most accurate view of your web provider before you buy.

Support: I think support is one of the most important things when looking for a web host. No website is perfect, but having a knowledgeable support staff that is available 24/7 can give you that peace of mind. I have worked with various hosts and often times I can figure out the answer online more quickly than the support team. It’s frustrating because I contact support, so I can get the answer quickly and have my problem fixed easily. Also, it is nice to have a web host that offers different ways of contacting them including tickets, live chat, and phone. I personally enjoy a live chat option.

Value for The Price: Most websites are hosted on a shared hosting plan. Most hosts cost about the same, but others offer extra value for the price. For example, some hosts add on a free domain, a one click install of WordPress, unlimited websites, a choice of server location and a free website transfer. Be sure to look around and see what extras you need and see which ones are available from each potential host.

You need to determine how much you can afford to spend on hosting your site. There are many sites out there with different hosting plans that are attractive

Features. Webhosts come with different features. You need to determine which featuers are important for your site. For instance if you want to host a WordPress site, you can look for hosts that are proficient in hosting WordPress like Siteground. If you are Web developer and produce apps on the Internet, there are webhosts that specialise in hosting applications like Webhostinghub.

You can choose webhosts by looking at the reviews of others. There are sites that focus on reviews like Webhost Hero. You can get information from customers who have used a host company. Reviews can help you know what to expect from a webhost like customer support, uptime etc.

I have switched around webhosts for a couple of times (I still regret not doing my proper research before I chose each webhost, but that’s okay). Experience is much better (of course, I did have to deal with all the frustrations of managing my blog; keeping it alive and working).

I think the first and foremost thing is your budget. How much can you spend on hosting?

When I started out, I always looked for cheapest web hosting services (although thanks to my online friends, I always chose the better ones). But, I wouldn’t recommend that to anyone. If you have money, then spend it. Spend it mostly on getting a good hosting service.

Reliability - How reliable is the web host? Almost all web hosting services claim that they have a 99.99% uptime (and that they are reliable). But, that’s far from true.

Service – Customer service matters. If you have a problem, you need people who can help you fix that (not folks who just transfer you to another rep). I have had some bad experiences with this. Eventually, I gave up and tried to figure it on my own (asking your online friends is one of the better methods to solve a problem).

Security – This includes protection from hackers, backing up your data and general maintenance (of course, all 3 of these mean premium service and a premium price).

Some might be able to afford this, but folks who can’t, can look for other methods (If you are on WordPress, you can try reliable WP plugins to back-up your files, once a day).

Same goes for security. You don’t always have to spend money for this; there are some good [free] plugins out there.

Of course, researching is the hard part. You can try searches, or try something more, like Social media; see how their customers respond to the service. See how they respond back; customer service is the key).

internet red smaller

101 Bloggers, 101 Different Priorities

As you can see there are many different ways to look at how you should look for a web hosting company you can trust. As someone with scientific training I prefer to look at customer satisfaction surveys to make my own choice.

I have spent several weeks looking into this issue and decided to put all my research into a free PDF ebook that you can download to help you with your own research. The ebook allows you to click on your location and to see results that are specific to your country. It covers the different kinds of hosting and you will find a recommendation whether you are looking to host one site or two hundred sites.

Two or three web hosts stand out as the best, regardless of where you are in the World. I did check out many more hosts but their customer satisfaction ratings were almost always below par, so I was unable to recommend them.

 What Do You Say?

What are your own priorities? How are you making this decision? Please share your thoughts and experiences in the comment box below.



Should You Look for a Mentor?

March 7, 2014Business Planning
young mentor

 Do you really need a mentor? Why would anyone mentor you? Are you ready to listen to someone who has been where you are now? How many times have you said the famous cliché, “If only I knew then what I know now?”  Well, just that one question is enough to make anyone think about […]

0 comments Read the full article →

Luck – Take Control and Make Your Own Luck

February 16, 2014Making a Job
lucky guy

Have you had a bad day? Are you feeling down in the dumps? Do you feel like other people have all the luck? I’ve been there, I know how you feel, but I have found a solution. I make my own luck. How Do You Get Lucky? We all make our own luck all the […]

12 comments Read the full article →

Give Up the Day Job and Become a Writer – I Did and Here’s How

January 7, 2014Online Jobs
man in his 60s writing on his computer

In 2007 I had a steady job, bought a new house and just pottered away. In 2008 Lehmam Brothers crashed and the economy plummeted. In 2009 the writing was on the wall, the company I was working for was downsizing. In 2010 I lost my job. The Depression of 2008-2014 was the best thing that […]

2 comments Read the full article →

What Happens to Your Business when You Die?

December 16, 2013Business Planning
businessman planning

The only thing certain in life is that we all die. If you have not made plans for your business then it will die at the same time. Are you the only person with access to your clients? Are you the only one who really understands how the business works? Are you the only one […]

0 comments Read the full article →

The Great College Hoax – Why Are Teens Actively Discouraged from Making Jobs for Themselves?

November 12, 2013Making a Job
Young woman with her whole life ahead of her

More education is automatically seen as a good thing, but this is a scam, a hoax, a con trick. If education was free then the argument would be more convincing, but with the spiraling costs of even a first degree it really is time to think again. Do your son’s teachers just assume he is […]

0 comments Read the full article →

The Secret to Business Success – 4 Ideas More Important than Money

September 7, 2013Time/Money Conversion
The power of a smile

Are you in business to make money? Most of us are. Do you spend all your time thinking up new ways to make money? Stop! There’s a better way. Money is the final stage in a process whereby you have to find a need and come up with a a way to satisfy it. Idea […]

3 comments Read the full article →

Will Cash Flow Problems Kill Your Business, Too?

August 25, 2013Real World Jobs
money flowing from tap

Cash flow is about how much cash you can lay your hands on at any time. You may have made 200% profit on the goods you have supplied but it only affects your cash flow when you have the money in your hand. Cash flow problems kill many start-up businesses, particularly those that are selling […]

0 comments Read the full article →

I was an Internet Marketing Sucker

August 7, 2013Online Jobs
Internet Marketing

Are you tempted by all the Internet marketing emails and ads you see? I was, and I spent $2,000 in just one year chasing the dream. I am not proud of my stupidity but perhaps I can help you to avoid the same mistakes I made. What Is Internet Marketing? You have probably seen the […]

0 comments Read the full article →