Anonymous's picture

What is a CPA Network?

CPA is a new way of marketing and stands for "Cost per action" or "Cost per acquisition". Unlike conventional affiliate marketing - http://pureresiduals.com/cpa-marketing/ you often need to get approved to a CPA network. Once your approved you will then have your own "Affiliate Manager" or "AM" for short. Don't let any of that stuff put you off though as it is really simple to get accepted and your AM like you wants' to make money so they will help you in any shape or form that they can.

In the past many of you might have been promoting various products from Clickbank or a similar venue.

The basis is pretty simple and works pretty much like this:

- You choose a product from Clickbank

- You create a website or landing page to promote that product

- Every time you sell something through that website & the link Clickbank assigns you, you get paid a commission.

As you can see I have summed up marketing using Clickbank in less then a paragraph.

CPA Marketing is a revolution in online marketing as you often have more practical products to promote that at traditional venues such as Clickbank.

For instance I am a member at many CPA Networks, and I promote many different offers from them. They can span from Dieting Aids (Acai Berry or Colon Cleanse) or offers where you get paid for someone simply just submitting there E-Mail or Zip code. I promote some offers via PPC (Pay per Click) and some of the payments can hit $40/50/60 - which is great if it's only costing you small change to promote.

As you can see CPA Networks are forging a massive way for themselves in the marketing industry, so if you want to get on board then I have independently reviewed several CPA Networks over here at website - please check it out if you are interested!

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The cost difference between having a baby in your 20s and 30s

Is there a perfect time to have a kid?

Flickr / normalityrelief

"There's never a good time to have kids — you just have to go for it."

If you're contemplating starting a family, chances are you've heard this well-intentioned advice by now.

While it's true that little is predictable when it comes to having children, there's no denying it's as much a financial decision as an emotional one.

After all, the average lifetime cost of raising a child exceeds $245,000

, according to the U.S. Department of Agriculture.

That's a price tag that might leave you wondering: Does it make sense to have a baby in your twenties, so you can tackle child-related costs early — or when you're in your thirties and, hopefully, more financially stable?

Of course, there's no blanket answer.

But to help make some educated guesses, we took two hypothetical sets of wannabe parents a decade apart in age and tried to compare how their respective finances would be impacted in four major money areas — taxes, retirement, college costs and child care — by bringing home baby.

Meet the Parents-to-Be …

The younger couple, Emma and Tyler, are both 26 — the average age at which women have their first baby, according to the Centers for Disease Control and Prevention


Emma is an executive assistant. Tyler is a junior accountant. Combined, they make $73,000, and are still chipping away at student affiliate - http://pureresiduals.com/cpa-marketing/ loans and credit card balances they accrued in college.

Although they spend nearly every penny of their paychecks, they feel emotionally ready to have a child. They'd rather be young parents — and are confident they can make their budget work with a child.

Holly and Brendan, meanwhile, are both 36 and doing well financially. Their income has grown steadily over the past few years — which isn't surprising since women's pay peaks at 39 and men's at 48, based on data from Payscale


Between Holly's job as a project manager and Brendan's as a human-resources manager, they make $120,000 combined. They're only a few months shy of paying off their student loans, carry little credit card debt and contribute a portion of each paycheck toward retirement.

They purposely put off having children until they reached six figures — and now feel financially ready for parenthood.

Although Holly considers herself healthy, she knows they may have to contend with in vitro fertilization costs — 22%

of women aged 35 to 39 deal with infertility. In case this happens, the couple has saved up $15,000 — enough to cover a round of IVF, which averages $12,400


So which couple would fare better, financially speaking, if they had a child? We asked financial pros to weigh in.

RELATED: Money Mic: How $30K in IVF Treatments Nearly Tanked — and Then Saved — My Finances

The average lifetime cost of raising a child exceeds $245,000.

Flickr / Audrey

Let's Look at Baby's Impact on Taxes …

When it comes to paying Uncle Sam, it's not the couples' ages that make the difference — it's their income level, says Gail Rosen, a certified public accountant (CPA) and head of her own accounting firm in Martinsville, N.J.

While both parents can take dependent exemptions for their child, only Emma and Tyler's income qualifies them to take the full child tax credit

— up to $1,000 per child for married couples filing jointly.

Holly and Brendan make too much to take full advantage of the tax break.

The child tax credit starts to phase out at $110,000 for couples filing jointly, so "Holly and Brendan may only get a $500 tax credit," Rosen says. They'll also likely phase out of qualifying altogether in a few years as their income rises.

So Who Has the Advantage?

Although Emma and Tyler make less, they have the advantage because "it's all about the tax bracket," Rosen says.

Since they fall into a lower tax bracket and can take full advantage of the child tax credit, they are potentially taking home a larger percentage of their paychecks than Holly and Brendan.

RELATED: 11 Kid-Centric Tax Breaks Every Parent Should Know About

Most people save a significant amount of money for retirement in their 30s.


Let's Look at Baby's Impact on Retirement …

When it comes to your nest egg savings, the real key is to start socking away money as early as possible.

To that point, having Junior at 26 is more likely to cut into prime saving years because younger couples tend to have tighter budgets and don't contribute as much to retirement, says Rebecca Kennedy, a Certified Financial Planner™

 (CFP®) and founder of Denver-based Kennedy Financial Planning.

Exacerbating the situation is the fact that most people in their twenties don't think about retirement — baby or no baby. A Principal Financial Group study found that only 30% of Millennials

 save at least 10% of their income in an employer-sponsored plan.

By the time you hit your mid-thirties, however, "you're more aware of all your financial obligations, and most of the folks who come to me [at this age] have a pretty good balance," Kennedy says.

Indeed, an analysis of Employee Benefit Research Institute data

that compared the nest egg savings of people in their early thirties versus their late thirties found that IRA balances jumped by more than 60% in this decade.

Having kids is bound to cut into savings.

omninate via Compfight cc

So Who Has the Advantage?

 Holly and Brendan. Being able to contribute aggressively to retirement before a baby comes along leaves them better able to take advantage of compound earnings, says Steve Erchul, a CPA with Smith, Schafer abg=0" target="_blank">mostly women

who off-ramp to raise kids) like Holly have a hard time re-entering the workforce.

The New York Times, for example, reported last year

that only 40% of high-achieving professional women who off-ramped for a time were able to find a good full-time job in their desired industry once they returned to the workforce.

So Who Has the Advantage?

It's a draw. Yes, child care is a huge expense that Holly and Brendan may have more breathing room to cover — but factoring in family help and career opportunity costs could tilt the odds toward Emma and Tyler.

Plus, you shouldn't count out the younger generation's scrappiness when it comes to making room in a budget, says Michele Clark, a CFP® and owner of Clark Hourly Financial Planning in Chesterfield, Mo.

"I think because [the Millennial] generation saw their parents struggle with the stock market, they have more of that Great Depression mentality," Clark says. "They shop at thrift stores, cook, and don't eat at expensive restaurants."

Holly and Brendan, meanwhile, are in a demographic that can be susceptible to lifestyle inflation

because people their age are used to a comfortable life — and it may only get worse once toddler classes and day camps come into play.

"They'll have to fight the spending creep of keeping up with the Joneses," Clark says.

Ultimately, though, having a child isn't all about pinpointing the opportune time. It's also about knowing how to prepare yourself in heart, mind and wallet — no matter where you think you are financially.

"I've had people come to me because they have six-figure student loan debt from law school, but they want to have their second

baby," Clark says. "Because of that, they look at every penny … and identify for themselves costs to cut [to reach that goal]."

RELATED: Financial Goals Guide: Money To-Dos for Your 20s, 30s, 40s and 50s

LearnVest Planning Services is a registered investment adviser and subsidiary of LearnVest, Inc., that provides financial plans for its clients. Information shown is for illustrative purposes only and is not intended as investment, legal or tax planning advice. Please consult a financial adviser, attorney or tax specialist for advice specific to your financial situation. LearnVest Planning Services and any third parties listed, linked to or otherwise appearing in this message are separate and unaffiliated and are not responsible for each other's products, services or policies.



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