What is Initiative Q?

The Emergence of Initiative Q  

A highly intelligent and tech savvy guy named Saar Wilf established his first payment startup and followed it with Fraud Sciences., These revolutionized online e commerce and were adopted by Pay Pal which we are all familiar with.

Saar worked with Lawrence White, an economist and professor at George Mason University Together they devised an intelligent system to create and manage the worlds monetary systems on a global scale. It is still in its infancy as far as development is concerned depending on a critical mass of subscribers from across the world to ensure its ultimate acceptance and success.

They will also endeavor to take on board top monetary experts from around the world and corporations to commit to the new system. The currency will be the Q and the q like bit coins and other currencies will be measured in value against a standard which currently is the US dollar.

Watch your P’s and Q’s.

When I was young we were often told to mind our p’s and q’s which I believe had something to do with manners and being polite.

Nowadays we might say watch or mind your P’s and Q’s with a monetary interpretation. Mind your pennies or pounds and Q’s.

If we are going to mind them we will be wanting to have some idea of their value. We can all visualize and understand the value of a penny or a pound but what is a q worth?

Right at this moment it is not really worth anything but if the concept being proposed takes off it may have an equivalent value as the American dollar. This will only eventuate if the concept is embraced and takes off as a means of payment across countries around the world.

If you have spent anytime trading currencies you will know and understand how the value fluctuates and changes with economic activity. Many factors can come into play which will put either upward or downward pressure on a given currency such as interest rates going up and down, instability or volatility in the markets and wars or climatic disasters.

The value is determined by the velocity of the movement of money, how fast it changes hands. To determine the value of the Q we would need to measure the number of transactions and the speed with which those transactions are made. We cannot begin to estimate this yet as we do not know how well and enthusiastically the concept of using Q’s will be adopted as a way of making payments.

It is assumed that both purchasers and traders will prefer it to the use of credit cards which we currently have. If it gains acceptance and adoption globally it is projected to have a retail value between 5 and 20 trillion dollars.

Ultimately the concept is to adopt Q’s as a primary trading currency. This will only be achieved if and when it gains acceptance and adoption as a viable and safe way to trade. This will require offering incentives to gain appeal and making it understood by all. People want a stable currency that is easily understood and used.

Q’s are not a crypto currency. Many people have made money trading crypto currencies but others have lost money, it is envisaged that Q’s will be more stable and easy to use and less likely to lose value. The experience and misunderstanding of crypto currencies may deter many from adopting this new payment system and so much effort will need to be put into educating everyone about the concept and how it will facilitate trading in a global market.

Can we Trust Q’s?

When a given currency changes value rapidly it makes trading shaky and has a damaging effect on markets and eventually people lose trust in it and will look to other more stable forms of tender such as gold. Sound monetary policy is essential to maintain a level of security and trust.

Q’s are designed to be a global electronic currency and as such will also require sound management and monetary policy to remain stable. Q’s will not be affected by historical influences but rather by real time data ensuring its ongoing stability.

During this initial phase of the development of Initiative Q some currency will be issued free to people who grasp the concept and join. This will act as an incentive to encourage early adoption of the Initiative. Other incentives such as cash back rewards will be offered to gain more widespread use and acceptance.

The developers are offering for people to join now and issuing them with a worthwhile reward in Q’s which will increase as they in turn encourage others to join.

If you are reading this I would like to invite you to join for free and secure some q’s to add to your P’s.

Initiative Q

Initiative Q is an attempt by ex-PayPal guys to create a new payment system instead of credit cards that were designed in the 1950s. The system uses its own currency, the Q, and to get people to start using the system once it’s ready they are allocating Qs for free to people that sign up now (the amount drops as more people join – so better to join early). Signing up is free and they only ask for your name and an email address. There’s nothing to lose but if this payment system becomes a world leading payment method your Qs can be worth a lot. If you missed getting bitcoin seven years ago, you wouldn’t want to miss this.

Here is my invite link :Initiative Q

This link will stop working once I’m out of invites. Let me know after you registered, because I need to verify you on my end.

When I joined up with Initiative Q this is the message I received and you can see the incentive, . This same incentive is available to anyone else who joins in these initial stages and it really does not cost you anything to join. It is totally free.


Hi Judy Edwards, welcome to the future of payments!

For the next 11 days you can invite and verify up to 3 friends and secure 5,216 for each. Your invite will allow them to also reserve Qs early, and help expand the Q network.

Current task

Invite people you know personally and secure an additional 15,650


Current balance


16,952Out of your possible 65,208


Current task

Future tasks

Q target value is one USD per Q (Why?)

Below is a screen shot 0f the projected timeline for the introduction of Initiative Q:

If you would like to be part of this new and exciting initiative  simply hit the link below and leave your name and email.

Iniative Q

The Best Free Keyword Tool

  Putting the Right Bait on Your Line:

Google Keyword Search.

  I am not a fisherman but I know enough       that certain types of fish like particular types of bait. There is no point putting worms on your  line if the fish only like Pippies.

People are no different. You need to use the right keywords to attract  visitors to your website.

This simply means that when people are searching on the internet  for a particular item or question they will use a set of words in that search.
How can we know what words people are likely to type in to find what they are looking for within a niche?

Hang on you don’t have to panic!. There is a fantastic tool to help, its called Jaaxy and you will find a link at the bottom of the page

I will try to explain it to you here.

Let’s do an example that fits with my opening analogy of bait. Suppose you want to search what type of bait is required to catch fish.

Do a Google Keyword Search.

This is what I came up with using a search for: best bait for fishing flathead.

From my search I can see some terms people may have used but you cannot tell from here how much competition there is or how many searches there are.

If you want to rank your website highly on Google you need to be able to compete with all the others out there promoting the same niche. Every page on your website offers an opportunity to rank on Google if you include particular keywords in your content.

You need words that have low competition but a high number of searches. You need to work quality content around the keywords you have decided upon after completing your research.

Try to focus on just a couple of keywords on each post. The more posts you write using your key word the higher are your chances of getting to page one on Google without paying to be there.

Wealthy Affiliate

If you have subscribed as a premium member of Wealthy Affiliate to build your website you will find this very valuable tool available for your unlimited use. This is a must have tool to get the best keywords and have a better chance of ranking highly on Google.

Here is your link to sign up to Wealthy Affiliate to build your website. You will learn much more about Jaaxy, the key word research tool once you are inside.

Wealthy Affiliate

Wealthy Affiliate is by far the very best platform on the internet to build your online business.

It will provide you with the opportunity to host up to 50 sites and give you all the tools and training you could possibly need to build a successful online business. I absolutely recommend signing up as a Premium member because of the long list of benefits available to you and the incredible support which is always prompt to respond when you need assistance.

Fish for keywords with Jaaxy.

Key Points for High Ranking Keywords:

  • Try to find words that have more than 30 searches per month the higher the number of searches the better.


  • Check out your competition and try to keep it below 100, this means there are fewer people targeting the same niche as you. This will be labeled as QSR on the tool below which I have provided a link for.


  • Make sure your keyword actually makes sense. This is really important because you want to be correct and professional in everything you do.


  • You can choose a key word that stands alone or one that has a tail, that is a phrase.


  • If I just search for bait it will be too broad. I searched for Best bait for fishing.


  • Include your keywords in strategic places on your website. I think it is good to have your focus key word within your title and within the opening paragraph at least. Do not over do it throughout the post but list the keywords in the meta tags in your admin area below the content.

When I logged into our Keyword search tool Jaaxy, I searched for best bait to catch flathead. The results returned me very little to get excited about so I changed my search to fishing bait and tackle. The results were much more promising and so I would settle on that key word phrase if that was my niche.

The table below shows a comparison between the two key word searches I did. You can clearly see the first one gets far more traffic but it is a broader term encompassing both bait and tackle.
fishing bait

To access Jaaxy: Click on this link:

Google Keyword Search

 Your Key to success







First Click on the link below.

If you have found some useful and helpful information here I would love to hear from you so please leave a comment below or if you still have questions please ask and I will do my best to answer them.

If I can’t then I will refer it to someone else in my team at Wealthy Affiliate who can. I would love to be able to help you with your business.

A Review of Wealthy Affiliate Versus Empower Network

Deciding which programs offer the best work from home opportunities:

There are so many scammers on the internet that sometimes it is difficult to tell the chaff from the wheat. I am going to review a few of the scam sites on this website and the first one I will expose is Empower Network.

Review of Empower Network: Warning 

Empower Network, which I am actually intimately familiar with, because I was a member of Empower Network. In the beginning it seemed very promising and exciting  I bought the starter membership of around $39 AU. I blogged away, day after day and followed the instructions to the letter.

The two People, David Sharpe and David Wood who lead the company are two very casual looking guys who are not at all professional in their appearance or approach. They would appear in videos  dressed in a pair of shorts and a singlet top or no shirt at all.  But their enthusiasm could not be denied so I decided to look past my own prejudices and have a go at what they were promoting.

I spent many hours and all to no avail. I did not make one single cent return on all the money I paid.

They did have some good internet marketing videos but it was not until you paid larger amounts of money that you could access these.

There are different and ever increasing levels of membership within Empower Network which require monthly recurring payments. It works as a multi level marketing system where you buy your membership then recruit others and you then get a percentage of the membership paid by all the people you sign up


The Inner Cicle level  costs around $100

The $100, the Inner Circle membership entitles you to a series of conference calls that that can be up to 3 hours long, where some who proclaim they have made it big in Empower Network will brag about their achievements.


Then there is the Costa Rica Intensive.

This will set you back about $500 dollars but even then and there they will push you to invest even more money or risk being labeled as a wuss.

After you do sign up and pay the big dollars you will be entitled to some worthwhile training but it still remains a lot of work  before you will earn anything, in fact  very few people actually make any money at all. The truth is you cannot earn any commissions until you have gone all in and paid up  over $5000 which by the way is non refundable if you decide it is not working for you.

You are encouraged to dig deep or risk not being successful at all.  Empower Network is expensive and risky. They promise big earnings but very few people actually make it.

Empowernetwork has gone Bankrupt:

The video I had published on this site has been taken down . See the following article for an explanation.

Empowernetwork Falls

Empower Network is not the only scam program on the internet so its a case of buyer beware. If you want to work online from home then you need to sift through the options and find programs that are legitimate and ethical.

As a comparison let me show you something that really works and is legitimate and honest.

Now for the very best the internet has to offer: Wealthy Affiliate.

What is Wealthy Affiliate?

Wealthy Affiliate is like an online university where you can learn everything about  Networking and Internet Marketing such as:-

  • Learn to make money by building websites in your chosen niche or interest area.


  • Learn about and promote  Affiliate Marketing by choosing high paying affiliate programs and adding links to them on your websites.


  • Master social engagement to increase network of people visiting your site


  • Learn best ways to advertise and promote products online using  social media advertising like Facebook, Twitter Pinterest, and Google.


  • Earn money by promoting Wealthy Affiliate and its learning programs


  • Wealthy Affiliate is a sequential learning system where you learn every aspect of affiliate marketing from building the website to monetizing the website.

The following is a screen shot of the money making opportunity with Wealthy Affiliate.  This is an added bonus to all the learning which you can apply to any web site.

Earning money by referring WA is an added bonus of the program. You can join Wealthy Affiliate and build up to 50 different businesses online .

Yes,  you can build up to 50 websites  to grow a business around a niche that you are passionate about. You will have available to you some of the best teaching on the internet to grow your knowledge and skill base to equip you in building your work from home business.

Within WA you will engage with a very active and supportive community of like minded people who will offer you feedback on your work and answer your questions as you grow your online presence.

You can use the websites you build to promote other peoples products or your own products and services and in so doing earn a good income from your online work from home.

With Wealthy affiliate you can start for free and then later if you feel it is the right mix for your online business then you can become a premium member for just $49 per month or even less if you buy a yearly membership.

The table below outlines what you get in Wealthy Affiliate.


If you would like to become a member of Wealthy Affiliate hit the link below and get started today. Do not be conned by all the scammers lurking on the internet to get your hard earned cash. This is genuine, not get rich quick but a genuine way to build an online presence and grow your business.

Please comment or ask any questions .  I want to help you achieve your goals.





Don’t Give Up : 8 Steps to Success.

Most people who fail to achieve success online do so because they give up too soon. As in any business you have to put in the hard yards before the rewards will start to come.  Remember you can make money and you can make excuses but you can’t make both.

There will be a great deal of time put into research and planning before you can even get started.

Then there will be an ongoing investment of time and money.

So here is a step by step guide of what you need to do.  Pretend its like a ladder. If you miss a step you risk falling to the bottom and have to start over.  The best place to begin climbing a ladder very obviously is the bottom rung.

Businessman framing sun through fingers in desert

Step 1.

Decide what business model you want to follow.   This will require looking at options, reading reviews and check out comparative costs to get started and ongoing costs. Have a good idea of who your target market will be.

Step 2.

Learn all you can about your chosen business model. Be educated, do the online tutorials, ask questions, even those questions you might feel silly asking. Leave no stone unturned as far as getting familiar with your business  Perhaps your biggest investment will be your education. Surround yourself with like-minded people, they will inspire and encourage you.  The more you learn the more you earn.

Step 3.

Determine your financial and lifestyle goals which you hope to achieve through building your new business.  Make sure your goals are realistic and achievable. You can always update them later. I have seen people put down ridiculous goals of wanting to achieve six figure incomes in their first month. This is not realistic, it may by some freak chance happen but it is not realistic.   Write your goals down and put them somewhere you can view them every day to help  you stay focused.

Step 4

Write a business Plan.   It has often been said that if you fail to plan you by default plan to fail.  Don’t let that be your story. Have a written plan for your business and put it on the wall in front of your computer, next to your goals.

Step 5.

Build a website. This is essential and if you can’t do it yourself you can outsource the labour to do it for you through sites like Fiverr . They are called virtual assistants and you can employ qualified people for under $10 per hour to save you time and money.   Here is a link that might be helpful: Virtual Assistant    .Your website needs to be responsive on all devices and must have an opt in page where you can communicate with and follow up on interested  people.

Step 6

Build a landing page with a lead magnet. This will be a single page which offers a carrot, some special bonus, like a book or a discount or a gift of some sort Be creative. Make this page responsive on all devices too.  It may start as an introductory offer or one time offer. This is a lead magnet to get people to sign up and build your customer base. It becomes your marketing funnel. A helpful link here might be Hot Jar

Another very helpful link might be Woo Commerce

Remember a quote from Zig Ziglar: You can have everything you want if you help others get what they want”

Step 7

Continue to build your customer base or email list and engage with them. For this you need an auto responder because once your customer base begins to grow you can’t possible hope to keep up with all the emails yourself.  An autoresponder is a computer program that automatically answers e-mail sent to it. They can be very simple or quite complex.  Get Response and aweber and mail chimp are some that come to mind

Step 8

Write a blog and keep updating it at regular intervals with relative content. There are a couple of reasons for doing this. one is to keep your customer base informed of updates and the other is to keep the search engines happy.  If you have a physical business it would soon fail if you did not pay attention to its appearance and the relationship between customer and staff.  You will need from time to time rearrange the furniture, give it a total revamp  and always be keeping it clean. Your online business once up and running will be no different.

Make sure you have a connection to social media. Here are a few social media statistics which after examining I am sure you will be convinced they are a necessary part of growing a business.

Face book :

  Facebook has more than a billion active users: The platform has 1.71 billion monthly active users and 1.13 billion daily active users, on average. Facebook boasts 1.57 billion mobile monthly active users and 1.03 million mobile daily active users, on average


Total Number of Monthly Active Twitter Users: 328 million.Total Number of Tweets sent per Day: 500 million.  Percentage of Twitter users on Mobile: 80%  Number of Twitter Daily Active Users: 100 million.


Has 600 million active users and 90% of those are under 35 years of age also  90% of the worlds top 100 brands use instagram.


Pinterest has 150 million active users of these 85 % are female and 87 % have purchased a product on the site. Pinterest has captured around 41% of ecommerce traffic.

Linked in

Linked in has 467 million users and 1 in every 3 are professionals. Over 25 million profiles are viewed every day.  79% of Link in users are over 35 years of age.

You Tube

The total number of people who use YouTube – 1,300,000,000,  300 hours of video are uploaded to YouTube every minute!  Almost 5 billion videos are watched on Youtube every single day. YouTube gets over 30 million visitors per day


One last thing if you really want success then I would highly recommend you sign up with Wealthy Affiliate. Their training is consecutive and very easy to follow ad there is loads of support and most importantly it is affordable.

So in a nutshell thats it. The key is to keep working at it remembering you are building something which will  reward you if you are committed and don’t give up.






Borderless Income System
Make Income from Anywhere in the World

You can now make money from anywhere in the world: We can help reduce poverty by giving everyone an equal opportunity.  This is your chance to choose a means of  earning an income without ever leaving home and you can help others do the same. Simply click on the graphic to the right and opt in to find out how.  It is that simple. Travel the world and earn as you go.


Making Money Online

What is Your Experience?

Have you been searching for that amazingly easy way to make money online from home?  I am really sorry to tell you that there is no easy way. You need to work and work hard. You need to spend hours getting educated and learning internet marketing skills.

  • Building a blog
  • Building a website
  • Engaging with and using social media
  • Building an extensive email list.

This all takes time and effort, lots of time and lots of effort.  There are thousands of rogue sites out there who will be using all their skills to entice you to follow them and promise you instant success.  The saying if it is too good to be true it probably is.

Any busy venture you embark on is going to eat up your time, your money and resources. All businesses to be successful demand that you put in a great deal of effort and commitment.

So where and how do you start?

  • Decide on your  niche
  • Choose your market, demographics, age, area, etc.
  • Set goals for your business  :  short term and long term.
  • Make a plan : how you will structure your business
  • Build a website, either yourself or engage a professional.
  • Build your  customer base.  This may mean being prepared to give something away to get interest.
  • Build a relationship with your customer base.
  • Stay focused and committed.
  • Continue to benchmark against your goals and other similar businesses.
  • Enjoy the journey. If you do not enjoy it you will never be successful.

Do not be discouraged by failure but instead see it as part of your learning process.  Learn from people who have already traveled the same road, have already encountered the same obstacles and have reached their destination of ultimate success. Surround yourself with positive people, these are people who believe in what you are doing, can share your vision and possibly mentor you along the way.  Never ever be afraid to ask for help.  

Beware of scammers, those rogues I mentioned at the beginning who are itching to take your money and when you opt in they drop you like a hot potato. 

They promise you will make mega bucks if you opt into their system and fill their pockets with your money.  I am always very suspicious if they offer you a cheap starting  price then all these other more expensive pop ups keep confronting you with more and better offers when you have barely had time to digest the first one.

I have found a few very genuine online marketing systems that will be most helpful to anyone starting out who needs a hand up. They each have good support and educational tutorials to equip you for the work ahead.

You can learn more about each of these by checking out my page Making Money Online   I have looked briefly at Business Blueprint, Shopify, Mobe and Wealthy Affiliate. I know there are other and perhaps you could add them in comments.

In writing this post I am seeking to get your feedback on your experience of  trying to find the best way to build a business online. Use the comments space to leave your experience or knowledge which will be helpful to others.

When you give generously you will also receive abundantly so never be afraid to give of your knowledge or experience. Wealthy Affiliate is a  brilliant online educational and website building platform where participants engage with each other, learning from each other and sharing their ideas and successes and failures.

The lessons are staged and you can move through at your own pace building up  to 25 websites hosted within the platform. If your internet skills still have some way to be improved WA is the best place to achieve that. Education to running your online business from home is paramount. If you would like to take a look inside hit the link below and I can promise you wont look back.

Welcome to JOBES place

Welcome to Jobes place.  First let me introduce myself.

I am a retired teacher and then  bought and managed an accommodation / function facility. I thoroughly enjoyed both roles for the time  I was involved.  I retired from teaching at 50 before taking on the hospitality business. This was travelling along really well until it caught fire in 2016. The insurance was enough to cover the mortgage but not enough to rebuild so I started looking around for something different to do.

I began to think about the possibility of an online business and that is what I am doing now.

I have plenty of time and energy to do the research and . I am 69 years old and not one to sit around waiting to die. I have to be doing something  and an online business allows me to work from home and work my own hours so I am still free to do many other things such as spend time with my children or grandchildren and pursue my interests and hobbies.

I hope you enjoy your time on Jobes place and that you will find just what you are looking for