It doesn't matter if you are a stay-at-home Mom or Dad; a college student or a teacher; someone looking for a business opportunity; saving up for something special; or you just need to pay off some bills. The bottom line is this - you could use an extra source of income, right?

To begin here are some quick Questions & Answers you may have about free Internet cash:

Q: How much money can I make?

A: Several hundred. It depends only on YOU.

Q: How fast?

A: You'll have money in your bank no later then 3 months. Usually, on average it should take about 2 months.

Q: Can anyone do it?

Yes, but in this article I will explain how to earn free money online only if you are: from USA, you have a credit card, and you can invest some small money in order to make much, much more.

---------------SIDEBAR--------------- If one thing is for sure, it's that nothing out there is totally free. (And if someone says it is, they're probably selling something.) Whatever business online or offline - in order to make money you must invest some first. And I will tell you shortly where and how to do that. Just keep reading on... -------------------------------------

Q: Is it safe to use my credit card?

A: Yes, absolutely.

Q: Must I have a web site or a list?

A: Nope. If you are from USA and if you have a credit card, you can start earning free money online immediately.

OK, enough of playing questions and answers game. Your only question left by now must be...

Where And How Do I Get The Free Cash? The short answer is - using online rewards programs. Don't know what a rewards program is? A rewards program pays cash for all your actions: completing offers, shopping, reading emails, referring your friends, and more. You can visit http://www.cash4offers.com and see what a typical rewards program looks like and how it works.

Now I guess there should be two categories of readers. The internet "newbies", who will say they don't understand how it all works; and internet gurus who will say that all reward programs are scams.

Wait! I will prove to you that they work in a moment; and that you can make not only extra cash but receive some great stuff too.

To get started making money with incentive companies, one needs to create an account with a rewards program like Cash4Offers. You will need an email address to sign up...

Worried about your privacy and spam? Please don't! They will never send you spam, you can cancel anytime, and email address is only used to track all of your actions when you complete offers, shop, etc. That's how they know who to pay free money.

Hey, in most cases you will get a sign-up bonus just for signing up!

And now, I'll explain to you...

How to Earn Free Money Online Completing Offers? Here is Cash4Offers offers section link: http://www.cash4offers.com/offers.php?c=ALL&email=&uid=

If you click on above link you can see that there are many various offers available, ranging from credit card applications to internet service provider deals. And, they all will pay a certain amount of cash to your Cash4Offers account if you accept them... But, just to warn you, most of offers will require that you use your credit card. That's why I told you about money you'll need to invest in beginning. Not to worry though, you can definitely make more than you spend, and most of offers are great trial deals where you can receive not only free cash but top merchandise too.

There were total of 111 offers available when I wrote this article on 22/11/2004.

While traveling this year I've converted my money into 4 different currencies and, if you've ever traveled abroad, you know you lose money every time you change your money from one currency to another.

In an effort to save my own financial skin, I turned to Internet to help me figure out best conversion rates ahead of time and gauge how much cash I'd actually need for each trip.

In process, I discovered a veritable "buffet" of helpful and just plain cool converters and tools online.

They help you do everything from knowing your buying power abroad to what time to ask for a wake up call halfway around world.

** Currency Converter **

Log on to http://www.XE.com and you can estimate exchange of your currency into virtually any of 180 currencies in world, including: U.S. dollars, Yen, British Pounds, Australian dollars, Euros, and more.

Simply enter amount of money you want to convert, choose currency you want to convert from and to, then click button.

Instantly you'll know value of your money in another country based on latest currency trading value available.

XE.com also offers a good FAQ section that explains how and why currency exchange rates vary along with information about currency markets.

XE.com gets their conversion data from a variety of sources around world and, according to site, updates their rates several times per day.

** World Clocks **