If you wonder where free money comes from, here is answer - incentive companies are affiliated with top online merchants (advertisers), and merchants pay a commission for advertising their products and services. Rewards companies pass majority of commission they make on to YOU, customer, when you accept their offers!

And here is my promise to you...

A Proof You Can Earn Free Money Online Please open or download following excel file to your computer: http://www.cash4offers.com/offers_rewards.xls

As you can see I have selected only offers that interested me from first 3 pages of all available offers at Cash4Offers. And look what my earnings potential is -- I can make $65.40 after completing only 13 offers (approximately $5.00 for each offer), and receive a bunch of great merchandise too! Remember there were 111 offers available. Imagine how much I could earn if I completed all of offers?!

It doesn't matter if you have already signed up with a rewards program or not, I advise you to explore all available offers and use above excel file as a template in order to evaluate your earnings potential. Just click on each offer that interests you and make notes of all offer details - how much you earn, how much you have to invest, your profit, merchandise you receive, and your total profit. Use template every time you decide to complete offers online.

It really helps to decide which offers are best choice for you and what you will receive by completing each of them. Of course, although there are well over one hundred offers available, you should complete only ones that really interest you. You are not going to apply for all available credit card offers, or get a free trial of all ISPs, are you? My guess is that you should be able to make about $200 - $500 by completing all of offers that interest you.

---------------SIDEBAR--------------- How long does it take to receive cash for completing offers? Well, some offers pay instantly! And some may take up to 30 days (e.g. some credit card applications) before you receive your cash to your reward program's account. -------------------------------------

If you don't receive cash from offer within 30 days of accepting it, you should contact rewards program and send them all of details related to offer:

The date of offer completion The confirmation email Your contact info: name, email address, phone number etc. Usually rewards company will do investigation for you and if you really completed offer (offers) they will credit your account with offer cash amount within about 3 weeks.

Got your cash in your account? Great! What's next? Now, last step...

Request Payment & Verify Your Account Why do reward programs ask you to verify your account by phone or mail? The answer is simply this - they are trying to protect their advertisers and themselves from fraud. So, request your payment either by check or another method if available, and expect a phone call several days before your payment is processed. You should receive your payment in about a week or two!

Well, it was easy making free cash on internet, wasn't it? But your earning potential doesn't stop there, you could make even more by receiving cash-back for shopping or referring your friends. But that's another story for next article.

P.S. FYI, you can choose to receive great free stuff like computers, TVs, gift cards and much more instead of free cash, again, by completing offers. Visit http://www.1st-in-rewards.com for more information about all available online rewards that you can take advantage of.

Gerardas Norkus is a successful author and publisher of http://www.1st-in-rewards.com. Great tips on receiving free merchandise and money from top online rewards programs.

(c) Copyright 2004. All rights reserved.

From home page a couple of links rate special attention.

The first, "The World Clock," allows you to see local time in most of world's capital cities.

You can select "Full World Clock" for an even more comprehensive list of cities and their local times around world.

I found World "Meeting Planner" most useful part of site for me.

It allows you to put in your current time zone location and then choose up to 3 additional cities around world.

The site will then give you a list of times that represent best times to hold a meeting over net or via phone or teleconference.

You can then log on to "Calendar" function on site, select country, and instantly see if any local holidays will conflict with your meeting or visit.

It even offers a handy little calculator that allows you to calculate exact number of days, hours and minutes between two dates. I felt a lot older when I discovered that more than 13,000 days passed since day I was born.

The site even allows you to see a live countdown to New Years day so you can time your champagne consumption accordingly.

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