I recognized the advantages of self employment about 5 years ago when I started working for myself. After working for other people my whole career, it was certainly a bit of a change when I no longer got a salary and benefits, something I had become quite accustomed to!
I've read other resources that talk about the advantages of self employment (and the disadvantages too) and they typically mention "working long hours" as one of the disadvantages.
I disagree with this comment.
How can they tell you you'll be working long hours if they don't even know what job you are doing?
I know plenty of people who are self employed and who work online and they don't work close to 40 hours per week! And many of them do very well, too. It really depends on what you choose to do and the effort required to succeed.
Rather than list a number of generalizations that may or may not apply to you, let me tell you about the specific self employment benefits I've experienced:
1. Autonomy. I no longer work for a boss or for a company and am pretty much in charge of my own destiny. I like the independence and it suits my personality. 2. I work my own hours. Unlike the comments I've read elsewhere that talk about how being self employed always means working long hours, I work online and have found that I don't even consider what I do to be "work" anymore. I like what I do so I don't watch the clock nor do I count the hours. But I have plenty of spare time and I'm happy with what I do. 3. I feel good about doing work that benefits me, not someone else. I'm my own boss so the entire advantage of my work stays with me. I really feel that the earning potential is greater because I'm in charge of my own destiny. I find this to be a big benefit of self employment. 4. It suits my entrepreneurial nature. I realized several years ago that the idea of becoming self employed was something I was interested in. For me, the advantages of self employment fit with my future goals and my entrepreneurial nature.
If you like the 9-5 routine, need a guaranteed salary and like the safety of working for a company, perhaps being self employed is not for you.
The best advice for self employment-minded individuals I can give is to first let them know that they had better be very self motivated and autonomous because they will no longer have a boss watching over their shoulder to keep them on track.
You are your own boss - which is a great advantage - but only if you are capable of being your own boss. If you need constant direction and coaching, you aren't going to get it being self employed.
Before you decide that becoming self employed is in your future, consider all the pros and cons and how a career change of this nature will effect you long term.
I recognize the advantages of self employment but I also went into it with both eyes open from the beginning.
Carl Mueller is an Internet entrepreneur and professional recruiter who wants to help you find your dream career.
Visit Carl's website to separate yourself from other job searchers: http://www.find-your-dream-career.com
Sign up for The Effective Career Planner, Carl’s free 5-day course: http://www.find-your-dream-career.com/effective-career-planner.html
Ezine editors/Webmasters: Please feel free to reprint this article in its entirety in your ezine or on your website. Please don’t change any of the content and please ensure that you include the above bio that shows my website URL. If you would like me to address any specific career topics in future articles, please let me know.
Article Source: http://EzineArticles.com/?expert=Carl_Mueller
Article Source: http://EzineArticles.com/112368
Monday, August 29, 2011
Contracts Of Employment
Closer attention must be paid by all who sign contracts of employment as they can severely circumscribe your rights.
Where you do not receive a letter of appointment, only a letter of appointment or a simple contract of employment, this may be better for the employee. One reason is that where they do not deal with notice this leaves it open to the courts to imply a term of reasonable notice which may be as much as 12 months depending upon length of service.
Where you have been working for a company for a number of years and at the date of inception of your employment your circumstances were as above and subsequently you are provided with a comprehensive contract of employment to sign, do not, as it may extinguish your common law reasonable notice rights and introduce some very restrictive post employment restraints. In all such cases obtain informed legal advice before proceeding.
It appears that the court will consider the cascading clauseser to be valid when the clauses are clear and unambiguous which does not require the intervention of the court in interpreting the cascading clausesre. In addition, the court will also consider the period in which the restraint of trade is to operate. The court held that a 12 month period was reasonable for the protection of the business. The question of reasonableness is to be decided upon the facts of each particular case.
One would need to consider the issue in relation to cascading clauses prior to them being inserted into the contract of employment. A recent trend in the employment circle has been the introduction of a clause known as a cascading clause. A cascading clause is defined as a clause that provides a number of options in regards to time and areas of coverage of the restraint of trade clause.
Recent court decision has considered the validity of cascading clauses in an employment contract and in a recent decision the court considered the issue whether the cascading clauses can be severed from the rest of the cascading clauses. The court will consider each clause separately and whether the clauses are inconsistent with each other. In the above case the court decided that the clauses could be read separately and therefore valid. Other cases have concluded that the cascading clauses are invalid as the employee is unaware of the nature of the restraint and this would causes difficulty in the assessment of the validity of such a clause.
If you are interested to know something more on Employment Contracts and other details,you are welcome to the Employee Contracts site.
Article Source: http://EzineArticles.com/?expert=Vinson_Sarkis
Article Source: http://EzineArticles.com/6301539
Where you do not receive a letter of appointment, only a letter of appointment or a simple contract of employment, this may be better for the employee. One reason is that where they do not deal with notice this leaves it open to the courts to imply a term of reasonable notice which may be as much as 12 months depending upon length of service.
Where you have been working for a company for a number of years and at the date of inception of your employment your circumstances were as above and subsequently you are provided with a comprehensive contract of employment to sign, do not, as it may extinguish your common law reasonable notice rights and introduce some very restrictive post employment restraints. In all such cases obtain informed legal advice before proceeding.
It appears that the court will consider the cascading clauseser to be valid when the clauses are clear and unambiguous which does not require the intervention of the court in interpreting the cascading clausesre. In addition, the court will also consider the period in which the restraint of trade is to operate. The court held that a 12 month period was reasonable for the protection of the business. The question of reasonableness is to be decided upon the facts of each particular case.
One would need to consider the issue in relation to cascading clauses prior to them being inserted into the contract of employment. A recent trend in the employment circle has been the introduction of a clause known as a cascading clause. A cascading clause is defined as a clause that provides a number of options in regards to time and areas of coverage of the restraint of trade clause.
Recent court decision has considered the validity of cascading clauses in an employment contract and in a recent decision the court considered the issue whether the cascading clauses can be severed from the rest of the cascading clauses. The court will consider each clause separately and whether the clauses are inconsistent with each other. In the above case the court decided that the clauses could be read separately and therefore valid. Other cases have concluded that the cascading clauses are invalid as the employee is unaware of the nature of the restraint and this would causes difficulty in the assessment of the validity of such a clause.
If you are interested to know something more on Employment Contracts and other details,you are welcome to the Employee Contracts site.
Article Source: http://EzineArticles.com/?expert=Vinson_Sarkis
Article Source: http://EzineArticles.com/6301539
6 Quick and Easy Ways to Make Money Through the Internet
Tough times have forced people out of their jobs and to live on unemployment checks to get by. Only, these checks last up to 18 to 24 months and you have to be actively looking for a job to receive them. What the government gives is not enough and it's only for a limited time. What if you're not interested in getting a real job? What do you do to feed yourself?
Luckily, you got a head on your shoulders and the internet! And those are all you need to not only get by but to possibly make a fortune. Below are 6 quick and easy ways to make money online:
1) Write Articles. Be a freelance writer and write articles online. You can get paid for every article you finish. So write as many as you can and earn more by the end of the week. Write on what you know, you don't have to be an expert to be a writer.
2) Sell Online. You can sell some of your old stuff and collectibles online through eBay and Craigslist. With social marketing networks such as "Facebook" and "Multiply", selling online has been made easier as you already have the contacts to market your goods and even help you do some advertising.
3) Take Surveys. Yes, there are some legitimate companies that do pay for you to take surveys.
4) Be a Consultant. You don't need a license for this. If you're a mom and you have some tips to share about being a mom, then you can be a consultant. If you have some thoughts on love to share then you can be a love guru. If you're good at organizing events then you can give some advice for a fee.
5) Take Pictures. BigStockPhoto and Fotolia are some of the known websites that sell photos. If you like to take pictures, don't hesitate to submit them to websites like these and you can earn every time your picture gets downloaded. You don't have to be a professional photographer to earn money from pictures!
6) Be a Web Designer. It's not as complicated as you think it is. You just need a good eye and creativity. Some sites offer templates that just need a little tweaking from you to get it to run. Some companies and individuals would pay from $500-$1000 to have simple and functional websites designed for them.
These are just 6 simple ways to make money online that do not take a lot of effort or even investment.
If you need money now, like I mean in the next hour, try what I did. I am making more money now than in my old business and you can too, read the amazing, true story, in the link below. When I joined I was skeptical for just ten seconds before I realized what this was. I was smiling from ear to ear and you will too.
Imagine doubling your money every week with no or little risk! To discover a verified list of Million Dollar Corporations offering you their products at 75% commission to you. Click the link below to learn HOW you will begin compounding your capital towards your first Million Dollars at the easy corporate money program.
http://www.Quickest-way-to-make-money-on-earth.com
Article Source: http://EzineArticles.com/?expert=Martin_Thomson
Article Source: http://EzineArticles.com/6478511
Luckily, you got a head on your shoulders and the internet! And those are all you need to not only get by but to possibly make a fortune. Below are 6 quick and easy ways to make money online:
1) Write Articles. Be a freelance writer and write articles online. You can get paid for every article you finish. So write as many as you can and earn more by the end of the week. Write on what you know, you don't have to be an expert to be a writer.
2) Sell Online. You can sell some of your old stuff and collectibles online through eBay and Craigslist. With social marketing networks such as "Facebook" and "Multiply", selling online has been made easier as you already have the contacts to market your goods and even help you do some advertising.
3) Take Surveys. Yes, there are some legitimate companies that do pay for you to take surveys.
4) Be a Consultant. You don't need a license for this. If you're a mom and you have some tips to share about being a mom, then you can be a consultant. If you have some thoughts on love to share then you can be a love guru. If you're good at organizing events then you can give some advice for a fee.
5) Take Pictures. BigStockPhoto and Fotolia are some of the known websites that sell photos. If you like to take pictures, don't hesitate to submit them to websites like these and you can earn every time your picture gets downloaded. You don't have to be a professional photographer to earn money from pictures!
6) Be a Web Designer. It's not as complicated as you think it is. You just need a good eye and creativity. Some sites offer templates that just need a little tweaking from you to get it to run. Some companies and individuals would pay from $500-$1000 to have simple and functional websites designed for them.
These are just 6 simple ways to make money online that do not take a lot of effort or even investment.
If you need money now, like I mean in the next hour, try what I did. I am making more money now than in my old business and you can too, read the amazing, true story, in the link below. When I joined I was skeptical for just ten seconds before I realized what this was. I was smiling from ear to ear and you will too.
Imagine doubling your money every week with no or little risk! To discover a verified list of Million Dollar Corporations offering you their products at 75% commission to you. Click the link below to learn HOW you will begin compounding your capital towards your first Million Dollars at the easy corporate money program.
http://www.Quickest-way-to-make-money-on-earth.com
Article Source: http://EzineArticles.com/?expert=Martin_Thomson
Article Source: http://EzineArticles.com/6478511
Wealth - Financial Independence
A vast number of the general population has acquired a fascination for wealth. Many spend their lives pursuing it. Some reach their destination, while others fall short of it. The fact of the matter is, wealth is very much attainable by those who desire it, plan for it and work towards it.
There are two types of people; Those who are content, and those who want more. Those who want more have reached the stage whereby they are tired of having money dictate to them. When your money is insufficient for your needs, it will dictate the very food you can eat and the type of clothes you can wear. This is financial slavery and many people are a custom to it.
Your past gave rise to your present. Where you are in your life today is based on decisions you've made in the past. If you're not wealthy and your desire is to be wealthy, then you need to set the ground work today for your future abundance. Stay away from the decisions of the past if they did not guide you to your financial freedom. It is a known fact that the biggest obstacle to wealth is ourselves. Simply put, our attitude. Many people want to be rich, but that's as far as they are willing to go. You cannot acquire wealth with a mere thought. Your thought needs action. Such actions will become the blueprint to your financial independence.
The day your need to be rich, becomes greater than your impulse to sit back and watch others walk into wealth, is the day you will take back the power that money has over you, and instead PUT MONEY TO WORK FOR YOU, dollar by dollar. Become the employer, and each dollar the employee. Seek out where and how to invest your money that will yield you the greatest return.
The purpose of money in our life, is to enrich our lives. Free us from debt and financial slavery. But in order for this to be a reality we need to change the way we view money. not living paycheck to paycheck, but rather steering your money in the direction that is conducive to a life style of financial independence. Start today. The longer you procrastinate, the further you are away from your dream. Change your position, hand over the reigns of a spectator, and become a player. Motivate yourself to move up from want and lack, into abundance.
Imagine doubling your money every week with no or little risk! To discover a verified list of Million Dollar Corporation offering you their products at 75% commission to you. To learn HOW you will begin compounding your capital towards your FIRST MILLION DOLLARS at the easy corporate money program, click the link below.
http://www.how-to-make-a-quick-million-dollars.com
Article Source: http://EzineArticles.com/?expert=Marvalee_D_Mills
Article Source: http://EzineArticles.com/6481921
There are two types of people; Those who are content, and those who want more. Those who want more have reached the stage whereby they are tired of having money dictate to them. When your money is insufficient for your needs, it will dictate the very food you can eat and the type of clothes you can wear. This is financial slavery and many people are a custom to it.
Your past gave rise to your present. Where you are in your life today is based on decisions you've made in the past. If you're not wealthy and your desire is to be wealthy, then you need to set the ground work today for your future abundance. Stay away from the decisions of the past if they did not guide you to your financial freedom. It is a known fact that the biggest obstacle to wealth is ourselves. Simply put, our attitude. Many people want to be rich, but that's as far as they are willing to go. You cannot acquire wealth with a mere thought. Your thought needs action. Such actions will become the blueprint to your financial independence.
The day your need to be rich, becomes greater than your impulse to sit back and watch others walk into wealth, is the day you will take back the power that money has over you, and instead PUT MONEY TO WORK FOR YOU, dollar by dollar. Become the employer, and each dollar the employee. Seek out where and how to invest your money that will yield you the greatest return.
The purpose of money in our life, is to enrich our lives. Free us from debt and financial slavery. But in order for this to be a reality we need to change the way we view money. not living paycheck to paycheck, but rather steering your money in the direction that is conducive to a life style of financial independence. Start today. The longer you procrastinate, the further you are away from your dream. Change your position, hand over the reigns of a spectator, and become a player. Motivate yourself to move up from want and lack, into abundance.
Imagine doubling your money every week with no or little risk! To discover a verified list of Million Dollar Corporation offering you their products at 75% commission to you. To learn HOW you will begin compounding your capital towards your FIRST MILLION DOLLARS at the easy corporate money program, click the link below.
http://www.how-to-make-a-quick-million-dollars.com
Article Source: http://EzineArticles.com/?expert=Marvalee_D_Mills
Article Source: http://EzineArticles.com/6481921
How to Select a Home-Based Business
Everyone is aware that the United States is in a recession. The word recession conjures up images of people standing in unemployment lines, food pantry lines, and Salvation Army lines. Unemployment rates typically skyrocket during a recession. More people are out of work during a recession than any other time. Other signs of a recession are increasing numbers of bankruptcies and foreclosures. Stock market declines are also prevalent during a recession. These have made headlines along with the financial crisis facing us today.
Many people are concerned about their jobs. Major corporations have announced reductions and some have cut as much as 20% of their workforce. Recessions are temporary but, by the very definition of negative economic growth for two consecutive quarters, it takes time for the economy to return to normal. Many people will be adversely affected by this recession because of the predicted effect it will have on the economy. More people are expected to be without employment longer than in previous recessions. Remember the movie with George Clooney and Mark Wahlberg, The Perfect Storm. Remember how the weather conditions combined to cause a hurricane of epic proportions? Well, we are dead center in the midst of The Perfect "Financial" Storm.
Foreclosures and bankruptcies are at record levels. The top corporations in the country have gone out of business or are at risk of going out of business. The two largest industries, the housing industry and the auto industry, are on the ropes. Hundreds of mortgage companies are no longer around. The government seized control of Fannie May and Freddie Mac on September 7, 2008. General Motors has announced that it may not have enough money to survive another year and is pleading with Congress to bail them out similar to the financial institutions the government is bailing out with the largest bailout plain in U.S. history.
If there was ever a time to protect your income by starting a business, now is that time. A home business provides tax benefits that are not available to you as an employee. Not only will you save money on taxes, if you are in the right business, you will have more control on your income, your time, your life. However, with so many business opportunities available, how do you find the right one? This article is intended to help you understand what makes a business opportunity a great opportunity. Have you ever heard of being at the right place at the right time? Many opportunities boast of being the best opportunity because of conditions and timing. Some are, many are not. When you look at the current economic situation you see increasing rates of unemployment, high home foreclosure rates, devastating stock market declines, and losses in 401(k)'s. We are bombarded with these conditions when we open the newspaper or turn on the television. Now let's delve into these conditions. What do you think about when you hear that unemployment rate is at 6.5% which is a five-year high and the company layoff announcements? You begin to think about your job security, right? Many employers hint at the news in order to their motivate employees with fear. They say things like "I know things look really bad out there but if we all do our jobs, we should be fine".
When you start thinking about your job security, what are you really thinking about? You're thinking about how your world will be affected if you lose your income. Your rent or mortgage, your car payment, your children's college fund, your standard of living are all at risk if you lose your income. You find yourself worrying about how you will make ends meet. How your relationships with family members and others will be impacted. You become disappointed with thoughts of postponing your much needed vacation or the inability to buy things you want for yourself and for your family. When you think about the high rate of home foreclosures, you wonder if you are safe from foreclosures. You begin asking yourself what you would do if you lost your home. How losing your home would affect your life.
When you consider the steep drop in the stock market and your retirement account, you feel helpless knowing that you have lost a sizeable amount of money by trusting others to invest it for you. You begin calculating how much longer you will need to work in order to make up for your financial losses. You look for answers but there does not seem to be a quick remedy.
You are not alone and millions of Americans are in the same situation. We are all in this mess together. Does that make you feel better? We can blame the president, the Congress, the giant corporations, or anyone else we feel is responsible. The fact remains that we are in one of the worst economic and financial situations in history. The question is...what are YOU going to do about it? How are YOU going to make positive changes for yourself and your family? Are you finally going to start a home business which will give you an opportunity to protect your income, your home, your automobile, and your standard of living? Are you going to start a home-based business which will provide you with significant tax savings. Are you going to start a home-based business that will give you more control over your life? When you are looking for a business opportunity, you need to determine if it solves a problem and meets a demand. Will you offer a product or service that truly benefits people? Understanding the current economic and financial conditions will help you decide if the business will be successful or not.
You may be a great sales person and have incredible amounts of desire and confidence but if you're selling the wrong things to the wrong people, there will be little chance of success. If you offer solutions to the 77 million baby boomers who are stressing out over retirement, if you offer solutions to the millions of Americans who have lost their jobs or are concerned about losing their jobs, if you offer solutions to investors searching for places to grow their money you are likely to be successful. Imagine providing people wishing to retire with an opportunity to recover money they've lost in the stock market crash. Think about the gratitude they would have knowing they can retire on schedule without lowering their standard of living. Consider the families you will help by providing them with an opportunity to have more money than they have now. Picture the children growing up without fear of being displaced from their homes in a foreclosure. Envision the investors who have lost confidence in the stock market learning from you how they can grow their money from 8% to 50% annually virtually guaranteed. How many business opportunities do you know about that provide these solutions?
How many business opportunities do you know about that allow you to provide these much needed solutions in an automated fashion? Can you envision how much money you can make when you combine these solutions with the power of the Internet? You can start a business from the ground up or buy an existing business such as a franchise, Multi-level Marketing (MLM) business, or an Internet business. Since timing is everything, you can tap into the market place instantly when you buy an exiting business which is one of the major advantages over starting a business from the ground up. Look for a business that not only solves a problem but either is or can be automated. Because time is money, an automated business allows you to work more efficiently which, in turn, allows you to make more money in less time. Look for provided business training, commission rates, payout frequency, marketing support, startup costs, ease of startup, as well as automation when exploring existing business opportunities.
Products and services are created based on a demand and, since the marketplace is dynamic and constantly evolving, many new products, services, and even companies will come into existence "overnight". Most large corporations lack the ability to act quickly to market changes due to their business structure and processes. You may not see these companies offering products and services that solve our current financial problems for months or years to come. Small businesses can react quicker to the changing market and thus have incredible advantages over corporate giants. The window of opportunity is open. Now is the time. To quote from the movie Dead Poet's Society, "Carpe diem".
This content is provided by Suze Ortoman and may be used only in its entirety with all links included. Suze Ortoman is providing hope to Americans by helping people prosper financially and get on the path to becoming wealthy through home-based business and work at home opportunities. Visit http://suzedailyshare.blogspot.com for more information and tips.
Article Source: http://EzineArticles.com/?expert=S_Ortoman
Article Source: http://EzineArticles.com/3033723
Many people are concerned about their jobs. Major corporations have announced reductions and some have cut as much as 20% of their workforce. Recessions are temporary but, by the very definition of negative economic growth for two consecutive quarters, it takes time for the economy to return to normal. Many people will be adversely affected by this recession because of the predicted effect it will have on the economy. More people are expected to be without employment longer than in previous recessions. Remember the movie with George Clooney and Mark Wahlberg, The Perfect Storm. Remember how the weather conditions combined to cause a hurricane of epic proportions? Well, we are dead center in the midst of The Perfect "Financial" Storm.
Foreclosures and bankruptcies are at record levels. The top corporations in the country have gone out of business or are at risk of going out of business. The two largest industries, the housing industry and the auto industry, are on the ropes. Hundreds of mortgage companies are no longer around. The government seized control of Fannie May and Freddie Mac on September 7, 2008. General Motors has announced that it may not have enough money to survive another year and is pleading with Congress to bail them out similar to the financial institutions the government is bailing out with the largest bailout plain in U.S. history.
If there was ever a time to protect your income by starting a business, now is that time. A home business provides tax benefits that are not available to you as an employee. Not only will you save money on taxes, if you are in the right business, you will have more control on your income, your time, your life. However, with so many business opportunities available, how do you find the right one? This article is intended to help you understand what makes a business opportunity a great opportunity. Have you ever heard of being at the right place at the right time? Many opportunities boast of being the best opportunity because of conditions and timing. Some are, many are not. When you look at the current economic situation you see increasing rates of unemployment, high home foreclosure rates, devastating stock market declines, and losses in 401(k)'s. We are bombarded with these conditions when we open the newspaper or turn on the television. Now let's delve into these conditions. What do you think about when you hear that unemployment rate is at 6.5% which is a five-year high and the company layoff announcements? You begin to think about your job security, right? Many employers hint at the news in order to their motivate employees with fear. They say things like "I know things look really bad out there but if we all do our jobs, we should be fine".
When you start thinking about your job security, what are you really thinking about? You're thinking about how your world will be affected if you lose your income. Your rent or mortgage, your car payment, your children's college fund, your standard of living are all at risk if you lose your income. You find yourself worrying about how you will make ends meet. How your relationships with family members and others will be impacted. You become disappointed with thoughts of postponing your much needed vacation or the inability to buy things you want for yourself and for your family. When you think about the high rate of home foreclosures, you wonder if you are safe from foreclosures. You begin asking yourself what you would do if you lost your home. How losing your home would affect your life.
When you consider the steep drop in the stock market and your retirement account, you feel helpless knowing that you have lost a sizeable amount of money by trusting others to invest it for you. You begin calculating how much longer you will need to work in order to make up for your financial losses. You look for answers but there does not seem to be a quick remedy.
You are not alone and millions of Americans are in the same situation. We are all in this mess together. Does that make you feel better? We can blame the president, the Congress, the giant corporations, or anyone else we feel is responsible. The fact remains that we are in one of the worst economic and financial situations in history. The question is...what are YOU going to do about it? How are YOU going to make positive changes for yourself and your family? Are you finally going to start a home business which will give you an opportunity to protect your income, your home, your automobile, and your standard of living? Are you going to start a home-based business which will provide you with significant tax savings. Are you going to start a home-based business that will give you more control over your life? When you are looking for a business opportunity, you need to determine if it solves a problem and meets a demand. Will you offer a product or service that truly benefits people? Understanding the current economic and financial conditions will help you decide if the business will be successful or not.
You may be a great sales person and have incredible amounts of desire and confidence but if you're selling the wrong things to the wrong people, there will be little chance of success. If you offer solutions to the 77 million baby boomers who are stressing out over retirement, if you offer solutions to the millions of Americans who have lost their jobs or are concerned about losing their jobs, if you offer solutions to investors searching for places to grow their money you are likely to be successful. Imagine providing people wishing to retire with an opportunity to recover money they've lost in the stock market crash. Think about the gratitude they would have knowing they can retire on schedule without lowering their standard of living. Consider the families you will help by providing them with an opportunity to have more money than they have now. Picture the children growing up without fear of being displaced from their homes in a foreclosure. Envision the investors who have lost confidence in the stock market learning from you how they can grow their money from 8% to 50% annually virtually guaranteed. How many business opportunities do you know about that provide these solutions?
How many business opportunities do you know about that allow you to provide these much needed solutions in an automated fashion? Can you envision how much money you can make when you combine these solutions with the power of the Internet? You can start a business from the ground up or buy an existing business such as a franchise, Multi-level Marketing (MLM) business, or an Internet business. Since timing is everything, you can tap into the market place instantly when you buy an exiting business which is one of the major advantages over starting a business from the ground up. Look for a business that not only solves a problem but either is or can be automated. Because time is money, an automated business allows you to work more efficiently which, in turn, allows you to make more money in less time. Look for provided business training, commission rates, payout frequency, marketing support, startup costs, ease of startup, as well as automation when exploring existing business opportunities.
Products and services are created based on a demand and, since the marketplace is dynamic and constantly evolving, many new products, services, and even companies will come into existence "overnight". Most large corporations lack the ability to act quickly to market changes due to their business structure and processes. You may not see these companies offering products and services that solve our current financial problems for months or years to come. Small businesses can react quicker to the changing market and thus have incredible advantages over corporate giants. The window of opportunity is open. Now is the time. To quote from the movie Dead Poet's Society, "Carpe diem".
This content is provided by Suze Ortoman and may be used only in its entirety with all links included. Suze Ortoman is providing hope to Americans by helping people prosper financially and get on the path to becoming wealthy through home-based business and work at home opportunities. Visit http://suzedailyshare.blogspot.com for more information and tips.
Article Source: http://EzineArticles.com/?expert=S_Ortoman
Article Source: http://EzineArticles.com/3033723
Creating Wealth With A Small Or Home-Based Business
Millions of Americans are discovering how to attain wealth with a small business. Many individuals are being outsourced due to companies downsizing. This trend is expected to continue due to increasing foreign competition and factors in the US economy. A small business is defined as a business with 10 employees or less. A home-based business falls under the category of a small business for our discussion therefore we are also speaking of home-based businesses. A small business is one of the last significant tax shelters other than a home for middle-income Americans. Individuals can receive tremendous tax incentives with a small business along with income-generating opportunities. Items such as training, books, business meals, entertainment, business travel, payment to family members for employment services, auto maintenance, utilities, a percentage of the mortgage or rent, and others. Tax advice is beyond the scope of this document and the discussion here is not intended to provide advice, strategies, or education on tax subjects. To get the necessary information on small business tax considerations, visit http://www.imnotbrokeanymore.com
The small business should be started with every attempt to make a profit. The IRS allows the business owner time to generate a profit. Most business owners will incur a loss for at least the first year of operation. Some incur a loss the second year as well. If the business does not show a profit by the third year, it is in risk of being labeled a hobby by the IRS. Hobbies are not given the same tax consideration as small businesses therefore the deductions would not apply.
A business owner can employ several strategies to generate wealth. Using the tax deductions allowed by the IRS, a business owner may elect to pay his or her children to help out with the business. The children could put all or a portion of their wages into a tax-deferred college savings fund. The wages would be a tax deduction for the parent and depending on the children's tax bracket, the wages could be tax exempt income for them as well.
Take, for example Bob, who is an employee of a company. Bob receives $40,000 a year from his employer in wages. Now let's say that Bob decides to start a small business. The first year, his business has $12,000 in revenue. The expenses were $15,000 for the first year which included business meals, business travel, educational training (books, seminars, etc), wages to family members, advertising, office expenses (printer, computer, paper, etc), utilities for his office, mileage for his auto for business travel, costs related to manufacturing the product or providing the service, a percentage of his rent or mortgage if his business met the IRS criteria of a home-based business, and other business expenses.
Because Bob's business had a net loss of $3,000 ($12,000 - $15,000), he could report a lower taxable income to the IRS. In other words, he would report his taxable income to be $37,000 to the IRS rather than $40,000. Depending on other things going on in Bob's life, this could reduce his tax liability. The IRS allows for business deductions but does not allow for tax avoidance. Be sure you understand the difference. There are certain items that can be deducted in a small business that could effectively lower an individual's taxable income as long as it is not a ploy to avoid paying taxes. The business owner must make every attempt to make a profit. Otherwise, after the third year, the IRS views the operation as a hobby as stated previously. Again, tax advice is beyond the scope of this document and the discussion here is not intended to provide advice, strategies, or education on tax subjects. To get the necessary information on small business tax considerations.
A business can be established in several methods such as a franchise, multi-level marketing, affiliate, and start from scratch method. A franchise is a method of doing business wherein the franchisor approves a franchisee to use certain processes of doing for an upfront fee and a percentage of monthly sales or monthly profits. It is a cookie-cutter approach to owning a business. Franchises can cost as little as $20,000 and up to several millions of dollars.
Many forward-thinking company executives have adopted the multi-level marketing or MLM technique to selling their products and/or services. With a MLM business, an individual can receive training support, and possibly marketing support from the parent company. A MLM business owner earns a commission on their personal sales as well as a commission on the sales generated by the people they have recruited into the organization once certain qualifications have been met. This type of business can be started with as little as a $49 investment or with as much as several thousands of dollars.
An affiliate business is one in which an individual agrees to market a company's product or service in exchange for a commission. An affiliate usually receives a Website and earns a commission on revenue or leads generated through the Website. Some affiliate programs have a tier structure allowing the business owner to also earn revenue from affiliate members who signed up from their Website.
Starting a business from scratch can be the most risky of all choices. There are many areas that must be explored and mastered in order for this method of business to be successful. Historically, startup businesses using this method have a much higher failure rate than the other startup methods. However you have more control over the service/product pricing, marketing, distribution, and other aspects of the operation. It can be very satisfying when your product or service is delivered in the manner you envisioned.
With the additional income from the business coupled with the tax savings, you could have the opportunity to save more money on a monthly basis toward your retirement funds, college funds, and/or dream funds. If you are able to save this additional money in high earning yields (methods paying high interest rates), you can build substantial amounts of wealth over time. Consider the following:
Saving $500 a month at a rate of 10% for 20 years would result in approximately $102,433 in your savings fund.
Saving $1000 a month at a rate of 10% for 20 years would result in approximately $204, 867. Twice as much as if you were saving $500 a month.
Now consider these:
Saving $500 a month at a rate of 15% for 20 years would result in approximately $137,636 in your savings fund. Over $35,000 more in your fund than if your money was growing at 10%.
Saving $1000 a month at a rate of 15% for 20 years would result in approximately $275, 272. Over $70,000 more in your fund than if your money was growing at 10% annually.
Saving $500 a month at a rate of 20% for 20 years would result in approximately $188,107 in your savings fund. Over $50,000 more in your fund than if your money was growing at 10%.
Saving $1000 a month at a rate of 20% for 20 years would result in approximately $376, 215. Over $100,000 more in your fund than if your money was growing at 10% annually.
This is the magic of compound interest and is how you can generate a great deal of wealth. The key is to maximize, maximize, maximize. Use a small business to maximize your monthly savings contribution. Maximize the amount of interest your money will earn annually. And maximize the number of years the money will grow.
To learn more about maximizing your options, visit http://www.imnotbrokeanymore.com
Suze Ortoman has devoted many years researching the areas of wealth, retirement, and other personal finance topics. This article may be copied with credit to author given but may not be modified in any respect without author's prior approval. To learn more about this topic, visit http://realsolutions.50megs.com
Article Source: http://EzineArticles.com/?expert=Suze_C_Ortoman
Article Source: http://EzineArticles.com/889296
The small business should be started with every attempt to make a profit. The IRS allows the business owner time to generate a profit. Most business owners will incur a loss for at least the first year of operation. Some incur a loss the second year as well. If the business does not show a profit by the third year, it is in risk of being labeled a hobby by the IRS. Hobbies are not given the same tax consideration as small businesses therefore the deductions would not apply.
A business owner can employ several strategies to generate wealth. Using the tax deductions allowed by the IRS, a business owner may elect to pay his or her children to help out with the business. The children could put all or a portion of their wages into a tax-deferred college savings fund. The wages would be a tax deduction for the parent and depending on the children's tax bracket, the wages could be tax exempt income for them as well.
Take, for example Bob, who is an employee of a company. Bob receives $40,000 a year from his employer in wages. Now let's say that Bob decides to start a small business. The first year, his business has $12,000 in revenue. The expenses were $15,000 for the first year which included business meals, business travel, educational training (books, seminars, etc), wages to family members, advertising, office expenses (printer, computer, paper, etc), utilities for his office, mileage for his auto for business travel, costs related to manufacturing the product or providing the service, a percentage of his rent or mortgage if his business met the IRS criteria of a home-based business, and other business expenses.
Because Bob's business had a net loss of $3,000 ($12,000 - $15,000), he could report a lower taxable income to the IRS. In other words, he would report his taxable income to be $37,000 to the IRS rather than $40,000. Depending on other things going on in Bob's life, this could reduce his tax liability. The IRS allows for business deductions but does not allow for tax avoidance. Be sure you understand the difference. There are certain items that can be deducted in a small business that could effectively lower an individual's taxable income as long as it is not a ploy to avoid paying taxes. The business owner must make every attempt to make a profit. Otherwise, after the third year, the IRS views the operation as a hobby as stated previously. Again, tax advice is beyond the scope of this document and the discussion here is not intended to provide advice, strategies, or education on tax subjects. To get the necessary information on small business tax considerations.
A business can be established in several methods such as a franchise, multi-level marketing, affiliate, and start from scratch method. A franchise is a method of doing business wherein the franchisor approves a franchisee to use certain processes of doing for an upfront fee and a percentage of monthly sales or monthly profits. It is a cookie-cutter approach to owning a business. Franchises can cost as little as $20,000 and up to several millions of dollars.
Many forward-thinking company executives have adopted the multi-level marketing or MLM technique to selling their products and/or services. With a MLM business, an individual can receive training support, and possibly marketing support from the parent company. A MLM business owner earns a commission on their personal sales as well as a commission on the sales generated by the people they have recruited into the organization once certain qualifications have been met. This type of business can be started with as little as a $49 investment or with as much as several thousands of dollars.
An affiliate business is one in which an individual agrees to market a company's product or service in exchange for a commission. An affiliate usually receives a Website and earns a commission on revenue or leads generated through the Website. Some affiliate programs have a tier structure allowing the business owner to also earn revenue from affiliate members who signed up from their Website.
Starting a business from scratch can be the most risky of all choices. There are many areas that must be explored and mastered in order for this method of business to be successful. Historically, startup businesses using this method have a much higher failure rate than the other startup methods. However you have more control over the service/product pricing, marketing, distribution, and other aspects of the operation. It can be very satisfying when your product or service is delivered in the manner you envisioned.
With the additional income from the business coupled with the tax savings, you could have the opportunity to save more money on a monthly basis toward your retirement funds, college funds, and/or dream funds. If you are able to save this additional money in high earning yields (methods paying high interest rates), you can build substantial amounts of wealth over time. Consider the following:
Saving $500 a month at a rate of 10% for 20 years would result in approximately $102,433 in your savings fund.
Saving $1000 a month at a rate of 10% for 20 years would result in approximately $204, 867. Twice as much as if you were saving $500 a month.
Now consider these:
Saving $500 a month at a rate of 15% for 20 years would result in approximately $137,636 in your savings fund. Over $35,000 more in your fund than if your money was growing at 10%.
Saving $1000 a month at a rate of 15% for 20 years would result in approximately $275, 272. Over $70,000 more in your fund than if your money was growing at 10% annually.
Saving $500 a month at a rate of 20% for 20 years would result in approximately $188,107 in your savings fund. Over $50,000 more in your fund than if your money was growing at 10%.
Saving $1000 a month at a rate of 20% for 20 years would result in approximately $376, 215. Over $100,000 more in your fund than if your money was growing at 10% annually.
This is the magic of compound interest and is how you can generate a great deal of wealth. The key is to maximize, maximize, maximize. Use a small business to maximize your monthly savings contribution. Maximize the amount of interest your money will earn annually. And maximize the number of years the money will grow.
To learn more about maximizing your options, visit http://www.imnotbrokeanymore.com
Suze Ortoman has devoted many years researching the areas of wealth, retirement, and other personal finance topics. This article may be copied with credit to author given but may not be modified in any respect without author's prior approval. To learn more about this topic, visit http://realsolutions.50megs.com
Article Source: http://EzineArticles.com/?expert=Suze_C_Ortoman
Article Source: http://EzineArticles.com/889296
How to Start Building Wealth Today
If you don't start now, you'll hate yourself later
Are you wondering how other people can live it up and you always seemed to be struggling to make ends meet? It's more than likely that they either know things or know someone who knows the things you don't know about. You don't necessarily have to be making a lot of money to keep more of your it in own your pocket, but you do need to make enough in order to be able to put some aside on a regular basis. How do you know if you are making enough? Take a good look at your income and expenses. If you are spending more than your income then you may need to adjust your lifestyle to match your means.
But adjusting your lifestyle alone may not be the solution towards financial independence. There are many other ways that are available to anyone who is serious about achieving financial freedom. These strategies will vary depending on your circumstances, so there is no "one size fit all" when it comes to financial planning. Failing to plan is probably the biggest mistake people make, through no fault of their own, because it is difficult to plan something you have little or no knowledge of. Let me ask you this very important question. Where are you getting your financial advice, if you are getting any at all? Getting good financial advice can make a huge difference in creating wealth.
Times are different now, much more so than previous generations, especially the generation that struggled to make ends meet during the great depression of Canada from around 1929 to 1939. So, the strategies you use to handle your mortgages, children's education, investments for retirement and insurance to protect the family should be different too, and I'll tell you why.
Either your father or great grandfather would have grown up during the great depression, when unemployment was at a record high and a majority of the population was living below the poverty line. Universities were losing students for two principal reasons, because they couldn't afford the tuition and parents needed them to work on the farms to bring in as much income as possible. So, you see, the previous two generations were not as educated as we are today and they were a lot more prudent with their money. They were not concerned about inflation and wealth creation, there were little or no wealth for the average person, but were more focussed on savings and or debt elimination. Back then the choices for investments were limited and there were no real inflation from 1929 to 1946. [1]A dollar in 1929 was still worth a dollar in 19461, according to the bank of Canada inflation calculator, so they could have literally stuck it under their mattress and it would still have some purchasing power 20 years later. So, that's a much different mindset than this generation. And as the saying goes, "leaves don't fall far from the tree", meaning in this case that your parents learned from their parents and pick up a lot of their mindset, which was then passed on to you. So you really need a paradigm shift in the way you think about generating wealth, and that requires having an open mind towards new ideas and concepts.
Your mortgage is probably the single highest monthly payment and it is generally at the lowest possible interest rate because it is a secure loan with the house being collateral against it. Instead of putting more money on the mortgage payment than is necessary, look for ways to leverage this mortgage loan and invest the difference at a higher rate. I meet too many people who are so obsessed about getting rid of the mortgage that they have not created any wealth for themselves. And in the event of a job-loss or sickness they find themselves in financial hardship. It's true that you may have a lot of equity in the home, but you'll have to refinance or sell the home to realize the gains. Remember to focus on wealth creation and not debt reduction.
But don't get me wrong, you still need to pay your debts. There are good debts and bad debts and a mortgage is considered to be a good debt. As a matter of fact, any investments that appreciate in value can be considered good debts. Get rid of your bad debts like credit cards and car loans by paying off the highest interest rate loans first and putting more than the minimum payments required on them to reduce the interest costs.
Secondly, you lose a lot of your income to taxes, so your hard-earned income should be invested in ways to minimize taxes, such as the Tax-Free Savings Account, Registered Retirement Savings Plan, Registered Education Savings Plan and other tax advantaged vehicles. Simply keeping it in savings accounts does not take advantage of the preferential tax treatment available to us by the Canadian Revenue Agency because you pay tax on 100% of interest income, and generally these type of accounts do not keep up with inflation and is therefore eroding the purchasing value of your money. Instead, try to invest so that you are taxed on dividend income, capital gains or not paying any taxes at all. The latter can be accomplished by having your investments in a universal life insurance policy which have added benefits, such as creditor protection and principal guarantee.
The next thing you need to do is to take a closer look at all of your other living expenses (mortgage excluded) and see where you can trim the "fat". We have all heard the saying, pay yourself first (out of sight out of mind). Just commit to investing a percentage of your income each and every month in order to benefit from strategies like dollar cost averaging and the power of compounding.
Transportation, utilities and entertainment costs are living expenses that can be a substantial drain on your income. Nowadays with modern technology and the internet it has become very easy to start a home based business which can allow tax deductions for expenses that you would normally incurred anyways, such as transportation, entertainment, utilities and so on. So consider starting a home base business that you can do while still keeping your full time job. The bottom line is you need to be disciplined, you need a plan, you need to setup and stick to a budget and give it time to evolve to become reality.
Finally the time to start is now. Time can work for you and against you; why not make it work for you? Do you want to continue working during your retirement? Well, take charge of your future; now.
Are you interested in learning more about wealth creation? Go to www.youneedcoverage.com right now to find reputable and reliable providers you can trust. Discover how you can find the right fit for you and your needs. Click to get started today.
[1] Data Source: Statistics Canada, CONSUMER PRICE INDEXES FOR CANADA, MONTHLY, 1914-2006 (V41690973 series.)
Article Source: http://EzineArticles.com/?expert=Fazil_Baksh
Article Source: http://EzineArticles.com/6457387
Are you wondering how other people can live it up and you always seemed to be struggling to make ends meet? It's more than likely that they either know things or know someone who knows the things you don't know about. You don't necessarily have to be making a lot of money to keep more of your it in own your pocket, but you do need to make enough in order to be able to put some aside on a regular basis. How do you know if you are making enough? Take a good look at your income and expenses. If you are spending more than your income then you may need to adjust your lifestyle to match your means.
But adjusting your lifestyle alone may not be the solution towards financial independence. There are many other ways that are available to anyone who is serious about achieving financial freedom. These strategies will vary depending on your circumstances, so there is no "one size fit all" when it comes to financial planning. Failing to plan is probably the biggest mistake people make, through no fault of their own, because it is difficult to plan something you have little or no knowledge of. Let me ask you this very important question. Where are you getting your financial advice, if you are getting any at all? Getting good financial advice can make a huge difference in creating wealth.
Times are different now, much more so than previous generations, especially the generation that struggled to make ends meet during the great depression of Canada from around 1929 to 1939. So, the strategies you use to handle your mortgages, children's education, investments for retirement and insurance to protect the family should be different too, and I'll tell you why.
Either your father or great grandfather would have grown up during the great depression, when unemployment was at a record high and a majority of the population was living below the poverty line. Universities were losing students for two principal reasons, because they couldn't afford the tuition and parents needed them to work on the farms to bring in as much income as possible. So, you see, the previous two generations were not as educated as we are today and they were a lot more prudent with their money. They were not concerned about inflation and wealth creation, there were little or no wealth for the average person, but were more focussed on savings and or debt elimination. Back then the choices for investments were limited and there were no real inflation from 1929 to 1946. [1]A dollar in 1929 was still worth a dollar in 19461, according to the bank of Canada inflation calculator, so they could have literally stuck it under their mattress and it would still have some purchasing power 20 years later. So, that's a much different mindset than this generation. And as the saying goes, "leaves don't fall far from the tree", meaning in this case that your parents learned from their parents and pick up a lot of their mindset, which was then passed on to you. So you really need a paradigm shift in the way you think about generating wealth, and that requires having an open mind towards new ideas and concepts.
Your mortgage is probably the single highest monthly payment and it is generally at the lowest possible interest rate because it is a secure loan with the house being collateral against it. Instead of putting more money on the mortgage payment than is necessary, look for ways to leverage this mortgage loan and invest the difference at a higher rate. I meet too many people who are so obsessed about getting rid of the mortgage that they have not created any wealth for themselves. And in the event of a job-loss or sickness they find themselves in financial hardship. It's true that you may have a lot of equity in the home, but you'll have to refinance or sell the home to realize the gains. Remember to focus on wealth creation and not debt reduction.
But don't get me wrong, you still need to pay your debts. There are good debts and bad debts and a mortgage is considered to be a good debt. As a matter of fact, any investments that appreciate in value can be considered good debts. Get rid of your bad debts like credit cards and car loans by paying off the highest interest rate loans first and putting more than the minimum payments required on them to reduce the interest costs.
Secondly, you lose a lot of your income to taxes, so your hard-earned income should be invested in ways to minimize taxes, such as the Tax-Free Savings Account, Registered Retirement Savings Plan, Registered Education Savings Plan and other tax advantaged vehicles. Simply keeping it in savings accounts does not take advantage of the preferential tax treatment available to us by the Canadian Revenue Agency because you pay tax on 100% of interest income, and generally these type of accounts do not keep up with inflation and is therefore eroding the purchasing value of your money. Instead, try to invest so that you are taxed on dividend income, capital gains or not paying any taxes at all. The latter can be accomplished by having your investments in a universal life insurance policy which have added benefits, such as creditor protection and principal guarantee.
The next thing you need to do is to take a closer look at all of your other living expenses (mortgage excluded) and see where you can trim the "fat". We have all heard the saying, pay yourself first (out of sight out of mind). Just commit to investing a percentage of your income each and every month in order to benefit from strategies like dollar cost averaging and the power of compounding.
Transportation, utilities and entertainment costs are living expenses that can be a substantial drain on your income. Nowadays with modern technology and the internet it has become very easy to start a home based business which can allow tax deductions for expenses that you would normally incurred anyways, such as transportation, entertainment, utilities and so on. So consider starting a home base business that you can do while still keeping your full time job. The bottom line is you need to be disciplined, you need a plan, you need to setup and stick to a budget and give it time to evolve to become reality.
Finally the time to start is now. Time can work for you and against you; why not make it work for you? Do you want to continue working during your retirement? Well, take charge of your future; now.
Are you interested in learning more about wealth creation? Go to www.youneedcoverage.com right now to find reputable and reliable providers you can trust. Discover how you can find the right fit for you and your needs. Click to get started today.
[1] Data Source: Statistics Canada, CONSUMER PRICE INDEXES FOR CANADA, MONTHLY, 1914-2006 (V41690973 series.)
Article Source: http://EzineArticles.com/?expert=Fazil_Baksh
Article Source: http://EzineArticles.com/6457387
Four Main Keys Points to Successful Wealth Accumulation
After using multiple resources throughout my journey so far and discovering what exactly it takes to gain financial freedom, I have consistently noticed some general, but key points that allows someone to accumulate wealth. The four main keys are as follows:
1. Track your spending better. Need I say more? We all know how easy it is to spend money and how easily money can slip out of our hands. We also know how easy it is to ignore tracking our spending. However, if you want to get ahead pass less than satisfying financial situations, then you have to learn how to track your spending better. What's a simple way to start out doing this? Carry a mini notepad with you and retain your receipts. If you are "new fashioned", a notepad application on your phone will suffice. The strategy here is to track EVERY purchase that you make during a period of time, including those purchases that you make without getting a receipt. Take one week, then one month at a time. For a week, you will have your notepad on hand inputting the purchases that you make throughout that week. At the end of the week, you will then have a list of the individual amounts that you have spent and what each purchases was for. Do this for month or two and you will definitely see your current spending trends. You will want to keep track of the dates to correspond with your spending as well.
This clarity of specifically where all of your money is going will give you the means to evaluate and start making any necessary modifications that need to be made when it comes to your spending. It can help shed light on some unnecessary habits and also help you to rearrange your spending priorities. You might decide to use better spending methods, such as using your bank's ATM instead of others to avoid high ATM fees. You might notice that a lot of your purchases are sporadic and try to become less of an impulse spender.
You might even notice that you spend much of your money soon after you get paid, and decide to take more time thinking about where you would like your money to go, or where it should be going. You might notice that you pay everyone else but yourself and decide to give yourself a certain amount before you pay others from now on, and start a savings. The list of modifications that you might decide to make just from tracking your spending can go on and on depending on how aware and creative you become. The point is that the documentation of your spending gives you a starting point to actively tackle your finances and start gaining control. Immediately, and if not, eventually, you will see substantial results from the right combination of changes to your spending habits.
2. Manage your debt better. The first major part of this key point is to acknowledge your debt in the first place. The worst thing you can do is to ignore your debt and think it will magically disappear without you even pointing a wand. There is absolutely no way that your debt will go away unless you find ways to make it go away. After you take notice to your debt, then you can start to manage it. You might relate your debt to a fear. In this case, think of how you can get over a fear the more you face it. Getting pass the worries of how your debt can ruin things for you will allow you to get to the point of thinking of how to get rid of it. Once you accept that it's there, and accept that the only way it's going to be removed is if you do something about it, then you can start planning. You want to plan how to manage your debt. Ask yourself these questions in order to determine what area of your debt you want to tackle first...because you're going to have to start somewhere!
To whom all do you own debt to? What is the rank of importance that each of these creditors have? What are the amounts for each debt? What goals are any of these debts prohibiting you from reaching? Of these goals, which are most important to you? Can any of these debts be a cause for any of your assets to be seized from you? Although I strongly recommend customizing a debt tackling plan that will benefit you personally in the best way, protect your necessities such as food and shelter, and cater to your peace of mind, I also recommend that you go to my website listed below, and view this article there to get a link to an "Order of Debt Payment" document to see the order in which you should pay your debt according to the National Consumer Law Center. Some things you should remember are:
STAY AS STRESS FREE AS POSSIBLE Trust me, I know how it feels to have debt that seems to be over your head and even stumping you into the ground. I know that feeling of having a worry that doesn't go away because you just don't even know where to begin, so it seems like it will be there forever...and that can be a depressing feeling. However, as long as you allow yourself to be full of worry, then you will never figure out where to begin! A clear and positive mind is the way to let answers in. It will take work on your part to research and seek information that will help you in anyway. On the contrary, with a head full of worry, you will not even be able to develop the questions you need to ask, let alone the answers you need.
Remember becoming debt-free is very POSSIBLE There are people in this country who have crushed even millions of dollars in debt that that they once had simply because they had the will and developed massive action plans.
Stay on top of your goals every day It took me nearly a year to finally derive some clearly defined and definite goals from my "dreams". When you focus on what you want and what you desire, you can develop goals. When you focus on your goals ever day you can develop plans. When you have a plan, the rest is history.
You are not in it alone! Give me a break! The whole country is in debt! Literally! No wonder its children (us) are suffering. The apple doesn't fall from the tree! This is the initial comforting part; that you are not some freak of nature because you are broke. Don't think for a moment that someone's income determines whether they are wealthy or not, their net worth does. While most of the nation may be driving in fancy cars, they have also driven themselves into a financial mess of uncontrollable debt. Your goal from here should be to be the smart one in the bunch from now on; aim to buy that nice car with cash for half the price, never having to worry about any payments, and move on with your high quality life debt free! The bottom line is you are not alone at the bottom, so don't beat yourself up. Now you can stop being distracted from the false intimidation and make your way to the top!
3. Save more. Save, save, save... and save! Most people spend money because they have money. Makes sense, right? Wrong? Money's purpose is a bit more broader than that. Not only can you spend money, but you can save it, invest it, and multiply it! Spending money is fine, but, again, your spending habits are important to have under control. In other words, what you spend your money on and how much you spend is totally up to you! I definitely agree with people having their own and complete say as to where their money goes. However, in terms of getting the most out of your finances, are the things you are spending your money on and the amount of money you are spending proving to be the most beneficial to you and your life, or is it hurting you? Is it in a healthy proportion to the amount of money you are saving and is it cohesive with the financial future that you want. These things make a big difference. When it comes to spending, many people are spending not only too much of the money that they make compared to their net worth and how much they are saving, but they are also spending money that they don't have on top of that! This then is increasing their debt to credit standing while they accumulate more "IOU"s. If this sounds like you, then you are on the wrong side of the money game. How much are you spending and how much are you saving? If the answer doesn't make you proud then that means you need to be saving more.
If you are wondering, "Well, how can I start saving now? I'm already over my head paying for everything now. I have no money to save!" If you are asking these questions then your first step is to go over key point #1. Master this key point and you will find money. Instead of taking that money and finding somewhere to spend again, find somewhere to save it! At this point you can not be consumed in all of the debt you may have, you have to focus on how to raise your means to pay off the debt. When you learn how to sacrifice a purchase for the benefit of saving, then you learn how to sacrifice a purchase for the benefit of paying off debt. Ideally, you want to be able to be do both; save as well as get rid of your debt. However, I know that this might not even seem feasible to some people's current situation. The good news is it's OK if you want to choose to just go for tackling your debt. Why? If you keep going for it, eventually you wont have to go for it anymore and you can then start putting that money towards your savings, and you will already have a controlled habit developed! You have to agree that some starting point is better than nothing. The fastest way to find that mystery money to start paying off your debt is to cut spending.
The second fasted way is to increase your earnings... this is where your own ambition and work will come into play. You other option...and, a good one, that will aid you in acquiring your saving responsibility sooner than later is investing.
Start investing to get your money working for you. This is a good way to get a savings going on autopilot while you are concentrating on your debt. In fact, I would recommend going ahead and choosing at least one source of investing that will compound your money continually throughout the year. This way you can at least truthfully say that your savings is growing all while you are pinching away at your debt. Lastly, you might ask, "Why should I save in the first place? Why bother?" I have two good answers to that; to have an emergency fund and to have a future financial cushion. 4. Learn how to make smart investment decisions that can add to your savings. The term investing is very general. When it comes to investing, there are many types, and many places where you can invest. Here are some of the common places where you can invest money for gained interest:
Bank Savings
Certificate of Deposit Account
Money Market Mutual Funds
Stock Mutual Funds
Bond Mutual Funds
Balanced Mutual Funds
Specialty Mutual Funds
Foreign Mutual Funds
Global Mutual Funds
Individual Stocks
Individual Bonds
Retirement Funds
IRAs
401(k)
Keogh Plan
Real Estate Other alternative investments (e.g. art, antiques, etc) You need to learn entailment's of the different types of investment options such as interest rates, tax deductibles, withdrawal penalties and taxes, contribution limits, risk factors, are you going to hold your stocks through a transfer agency, dividends, and the list can go on. You will need to practice determining a strategy of investing that will suite you best. For instance, if you had to choose where to put a nice savings of cash that you've accumulated in order for it to get the benefits of compounding, you would definitely want to consider a comparison of interest rates amongst places to invest because your main objective is to get your money to increase the most.
At this point, you might be saying, "I don't want to deal with all of that! It's too complicated!" If you want to take full control of your finances and make your money work hard for you, then in the beginning, you are going to have to work hard for it, and that means you will have your share of studying and learning until things aren't that complicated. On the other hand, if you are still screaming," I don't have the time to study! Between the kids, work, and finishing my education, I'm booked solid!" Well, unless you are booked solid with clients of some sort that want to give you loads of cash, then I would consider not only desiring to manage your finances better, but to manage your time better as well. If you want something bad enough, you will find the time. In addition, you might have to reconsider your priorities. Living the good life, for the average person, means serious business. If you can afford a financial advisor, go for it! That's one expense that can be worth your while, but, you will definitely want to stay consistent in learning for yourself as well. Getting started, a good financial advisor can push you in the right direction when you can't seem to do it on your own. How can you invest money that you don't have? You need to figure out how to earn more...or make some tough sacrifices.
The bottom line is you need to be focused on the long run benefits you will get in the end. No one ever said going from a check to check life to your dream life would be easy! My friends, unless you are so blessed as to have the opportunity to attain an extremely large amount of money at once, my research, and the testimonials of all those who have applied these four things in order to accumulate wealth, proves that these four key points are what will give you the opportunity to accumulate wealth gradually. There are other points that the wealthy focus on, but these are the main places where one should start. What these four points really are, are habits. A good way to developed a habit is by practice. Therefore, you can not just simply read information like this and think that the knowledge will then help you. You MUST apply the knowledge in order for it to be beneficial.
Once you have decided for sure that you are ready to take FULL control of your financial habits, then you will definitely want to start developing these four main habits into your life. Know, as well, that this is not an overnight process, but, it is a process that needs to begin in order to see the final results. So, for anyone's sake and financial future, the sooner the better! Of course, if you need to take it one key point at a time, then that is perfectly fine. In fact, that is what I would recommend, as it has worked for me. Sometimes we need such a strong focus on something in order for it to become habitual in our lives as opposed to keeping the old conflicting habits. The truth and the beauty, however, is that it can be done. So focus on your spending first, if that is what you need to do to bring the awareness and discipline into your actions.
Then, direct your focus on acknowledging your debt (which I know can be hard for some people), and continue on to saving and investing. You will gain disciple from consistently and seriously tracking your spending habits and then you will attain the strength to begin tackling your debt. From there you will developed the financial consciousness you need as well as the confidence to then move one to mature financial actions such as saving substantially more than you have in the past, as well as actively seeking the steps to investing.
Portia has been writing for many years with a passion to help others. Everything from her poetry to the articles she writes, and even her books are inspired by her love to write, and her ability to connect with others through this art. Most of all, her objective is to get across the message at hand. See more on this particular topic at http://amindofwealth.blogspot.com
Article Source: http://EzineArticles.com/?expert=Portia_Perkins
Article Source: http://EzineArticles.com/6505252
1. Track your spending better. Need I say more? We all know how easy it is to spend money and how easily money can slip out of our hands. We also know how easy it is to ignore tracking our spending. However, if you want to get ahead pass less than satisfying financial situations, then you have to learn how to track your spending better. What's a simple way to start out doing this? Carry a mini notepad with you and retain your receipts. If you are "new fashioned", a notepad application on your phone will suffice. The strategy here is to track EVERY purchase that you make during a period of time, including those purchases that you make without getting a receipt. Take one week, then one month at a time. For a week, you will have your notepad on hand inputting the purchases that you make throughout that week. At the end of the week, you will then have a list of the individual amounts that you have spent and what each purchases was for. Do this for month or two and you will definitely see your current spending trends. You will want to keep track of the dates to correspond with your spending as well.
This clarity of specifically where all of your money is going will give you the means to evaluate and start making any necessary modifications that need to be made when it comes to your spending. It can help shed light on some unnecessary habits and also help you to rearrange your spending priorities. You might decide to use better spending methods, such as using your bank's ATM instead of others to avoid high ATM fees. You might notice that a lot of your purchases are sporadic and try to become less of an impulse spender.
You might even notice that you spend much of your money soon after you get paid, and decide to take more time thinking about where you would like your money to go, or where it should be going. You might notice that you pay everyone else but yourself and decide to give yourself a certain amount before you pay others from now on, and start a savings. The list of modifications that you might decide to make just from tracking your spending can go on and on depending on how aware and creative you become. The point is that the documentation of your spending gives you a starting point to actively tackle your finances and start gaining control. Immediately, and if not, eventually, you will see substantial results from the right combination of changes to your spending habits.
2. Manage your debt better. The first major part of this key point is to acknowledge your debt in the first place. The worst thing you can do is to ignore your debt and think it will magically disappear without you even pointing a wand. There is absolutely no way that your debt will go away unless you find ways to make it go away. After you take notice to your debt, then you can start to manage it. You might relate your debt to a fear. In this case, think of how you can get over a fear the more you face it. Getting pass the worries of how your debt can ruin things for you will allow you to get to the point of thinking of how to get rid of it. Once you accept that it's there, and accept that the only way it's going to be removed is if you do something about it, then you can start planning. You want to plan how to manage your debt. Ask yourself these questions in order to determine what area of your debt you want to tackle first...because you're going to have to start somewhere!
To whom all do you own debt to? What is the rank of importance that each of these creditors have? What are the amounts for each debt? What goals are any of these debts prohibiting you from reaching? Of these goals, which are most important to you? Can any of these debts be a cause for any of your assets to be seized from you? Although I strongly recommend customizing a debt tackling plan that will benefit you personally in the best way, protect your necessities such as food and shelter, and cater to your peace of mind, I also recommend that you go to my website listed below, and view this article there to get a link to an "Order of Debt Payment" document to see the order in which you should pay your debt according to the National Consumer Law Center. Some things you should remember are:
STAY AS STRESS FREE AS POSSIBLE Trust me, I know how it feels to have debt that seems to be over your head and even stumping you into the ground. I know that feeling of having a worry that doesn't go away because you just don't even know where to begin, so it seems like it will be there forever...and that can be a depressing feeling. However, as long as you allow yourself to be full of worry, then you will never figure out where to begin! A clear and positive mind is the way to let answers in. It will take work on your part to research and seek information that will help you in anyway. On the contrary, with a head full of worry, you will not even be able to develop the questions you need to ask, let alone the answers you need.
Remember becoming debt-free is very POSSIBLE There are people in this country who have crushed even millions of dollars in debt that that they once had simply because they had the will and developed massive action plans.
Stay on top of your goals every day It took me nearly a year to finally derive some clearly defined and definite goals from my "dreams". When you focus on what you want and what you desire, you can develop goals. When you focus on your goals ever day you can develop plans. When you have a plan, the rest is history.
You are not in it alone! Give me a break! The whole country is in debt! Literally! No wonder its children (us) are suffering. The apple doesn't fall from the tree! This is the initial comforting part; that you are not some freak of nature because you are broke. Don't think for a moment that someone's income determines whether they are wealthy or not, their net worth does. While most of the nation may be driving in fancy cars, they have also driven themselves into a financial mess of uncontrollable debt. Your goal from here should be to be the smart one in the bunch from now on; aim to buy that nice car with cash for half the price, never having to worry about any payments, and move on with your high quality life debt free! The bottom line is you are not alone at the bottom, so don't beat yourself up. Now you can stop being distracted from the false intimidation and make your way to the top!
3. Save more. Save, save, save... and save! Most people spend money because they have money. Makes sense, right? Wrong? Money's purpose is a bit more broader than that. Not only can you spend money, but you can save it, invest it, and multiply it! Spending money is fine, but, again, your spending habits are important to have under control. In other words, what you spend your money on and how much you spend is totally up to you! I definitely agree with people having their own and complete say as to where their money goes. However, in terms of getting the most out of your finances, are the things you are spending your money on and the amount of money you are spending proving to be the most beneficial to you and your life, or is it hurting you? Is it in a healthy proportion to the amount of money you are saving and is it cohesive with the financial future that you want. These things make a big difference. When it comes to spending, many people are spending not only too much of the money that they make compared to their net worth and how much they are saving, but they are also spending money that they don't have on top of that! This then is increasing their debt to credit standing while they accumulate more "IOU"s. If this sounds like you, then you are on the wrong side of the money game. How much are you spending and how much are you saving? If the answer doesn't make you proud then that means you need to be saving more.
If you are wondering, "Well, how can I start saving now? I'm already over my head paying for everything now. I have no money to save!" If you are asking these questions then your first step is to go over key point #1. Master this key point and you will find money. Instead of taking that money and finding somewhere to spend again, find somewhere to save it! At this point you can not be consumed in all of the debt you may have, you have to focus on how to raise your means to pay off the debt. When you learn how to sacrifice a purchase for the benefit of saving, then you learn how to sacrifice a purchase for the benefit of paying off debt. Ideally, you want to be able to be do both; save as well as get rid of your debt. However, I know that this might not even seem feasible to some people's current situation. The good news is it's OK if you want to choose to just go for tackling your debt. Why? If you keep going for it, eventually you wont have to go for it anymore and you can then start putting that money towards your savings, and you will already have a controlled habit developed! You have to agree that some starting point is better than nothing. The fastest way to find that mystery money to start paying off your debt is to cut spending.
The second fasted way is to increase your earnings... this is where your own ambition and work will come into play. You other option...and, a good one, that will aid you in acquiring your saving responsibility sooner than later is investing.
Start investing to get your money working for you. This is a good way to get a savings going on autopilot while you are concentrating on your debt. In fact, I would recommend going ahead and choosing at least one source of investing that will compound your money continually throughout the year. This way you can at least truthfully say that your savings is growing all while you are pinching away at your debt. Lastly, you might ask, "Why should I save in the first place? Why bother?" I have two good answers to that; to have an emergency fund and to have a future financial cushion. 4. Learn how to make smart investment decisions that can add to your savings. The term investing is very general. When it comes to investing, there are many types, and many places where you can invest. Here are some of the common places where you can invest money for gained interest:
Bank Savings
Certificate of Deposit Account
Money Market Mutual Funds
Stock Mutual Funds
Bond Mutual Funds
Balanced Mutual Funds
Specialty Mutual Funds
Foreign Mutual Funds
Global Mutual Funds
Individual Stocks
Individual Bonds
Retirement Funds
IRAs
401(k)
Keogh Plan
Real Estate Other alternative investments (e.g. art, antiques, etc) You need to learn entailment's of the different types of investment options such as interest rates, tax deductibles, withdrawal penalties and taxes, contribution limits, risk factors, are you going to hold your stocks through a transfer agency, dividends, and the list can go on. You will need to practice determining a strategy of investing that will suite you best. For instance, if you had to choose where to put a nice savings of cash that you've accumulated in order for it to get the benefits of compounding, you would definitely want to consider a comparison of interest rates amongst places to invest because your main objective is to get your money to increase the most.
At this point, you might be saying, "I don't want to deal with all of that! It's too complicated!" If you want to take full control of your finances and make your money work hard for you, then in the beginning, you are going to have to work hard for it, and that means you will have your share of studying and learning until things aren't that complicated. On the other hand, if you are still screaming," I don't have the time to study! Between the kids, work, and finishing my education, I'm booked solid!" Well, unless you are booked solid with clients of some sort that want to give you loads of cash, then I would consider not only desiring to manage your finances better, but to manage your time better as well. If you want something bad enough, you will find the time. In addition, you might have to reconsider your priorities. Living the good life, for the average person, means serious business. If you can afford a financial advisor, go for it! That's one expense that can be worth your while, but, you will definitely want to stay consistent in learning for yourself as well. Getting started, a good financial advisor can push you in the right direction when you can't seem to do it on your own. How can you invest money that you don't have? You need to figure out how to earn more...or make some tough sacrifices.
The bottom line is you need to be focused on the long run benefits you will get in the end. No one ever said going from a check to check life to your dream life would be easy! My friends, unless you are so blessed as to have the opportunity to attain an extremely large amount of money at once, my research, and the testimonials of all those who have applied these four things in order to accumulate wealth, proves that these four key points are what will give you the opportunity to accumulate wealth gradually. There are other points that the wealthy focus on, but these are the main places where one should start. What these four points really are, are habits. A good way to developed a habit is by practice. Therefore, you can not just simply read information like this and think that the knowledge will then help you. You MUST apply the knowledge in order for it to be beneficial.
Once you have decided for sure that you are ready to take FULL control of your financial habits, then you will definitely want to start developing these four main habits into your life. Know, as well, that this is not an overnight process, but, it is a process that needs to begin in order to see the final results. So, for anyone's sake and financial future, the sooner the better! Of course, if you need to take it one key point at a time, then that is perfectly fine. In fact, that is what I would recommend, as it has worked for me. Sometimes we need such a strong focus on something in order for it to become habitual in our lives as opposed to keeping the old conflicting habits. The truth and the beauty, however, is that it can be done. So focus on your spending first, if that is what you need to do to bring the awareness and discipline into your actions.
Then, direct your focus on acknowledging your debt (which I know can be hard for some people), and continue on to saving and investing. You will gain disciple from consistently and seriously tracking your spending habits and then you will attain the strength to begin tackling your debt. From there you will developed the financial consciousness you need as well as the confidence to then move one to mature financial actions such as saving substantially more than you have in the past, as well as actively seeking the steps to investing.
Portia has been writing for many years with a passion to help others. Everything from her poetry to the articles she writes, and even her books are inspired by her love to write, and her ability to connect with others through this art. Most of all, her objective is to get across the message at hand. See more on this particular topic at http://amindofwealth.blogspot.com
Article Source: http://EzineArticles.com/?expert=Portia_Perkins
Article Source: http://EzineArticles.com/6505252
The Avenue To Wealth: Tips To Building Wealth In Tough Times
The avenue to wealth in tough times call for some refocusing on certain areas in your financial life. Here's the situation.
The government has financial problems (in case you didn't know). Their bills are more than what's coming in. What are they going to do? It will be a combination of cutting their expenses, i.e. reduce social security payments, medicare costs, welfare, etc. and increasing their revenues, i.e. tax you, borrow more money, etc.
Their irresponsible financial decisions will affect you one way or another. Whether it's the unstable economy, less entitlement handouts, or more taxes, there is no greater time to start focusing on being self-sufficient, independent, or otherwise insulated from your governments.
You can pay a little more attention to personal expenses, you can teach your kids (and yourself) to be financially literate, and you can do things to keep the government hands from picking your pockets (lower your taxes).
So, here are some tips to help you create wealth now.
"Avenue To Wealth" Tip 1
This tip has got to be the most powerful tip for a kid (or even an adult) to see. It's simple financial intelligence. And, this goes to show you that in order to build wealth, you do not need a lot of money to start with. Try this yourself: double $10 until you reach a million dollars and count how many times it took. Now, double $100 until you reach a million dollars. Notice the $100 turned into a million ONLY 3 times faster. This goes to show you that the amount of money you have to start with has very little effect on whether or not you become a millionaire!
You just need to realize that the real power comes further down the "doubling" road. So, DO NOT ruin your ticket to financial freedom by spending what you've built half way through your plan.
If you're going to build wealth in good times or bad, you need to incorporate (right now) the POWER of compounding.
You might have already heard about the story of the red paper clip, but for those of you who didn't, it is a perfect example of how you can build wealth with practically nothing, IF YOU EXPLOIT THE POWER OF COMPOUNDING.
The story was about a young man who found a red paper clip. He built a story around that red paper clip telling his (website) visitors that he was planning on trading up this paper clip. It had great potential of becoming popular and, thus, more valuable than just it's initial cost.
What he did was bartered with others and finally traded it for a pen (I believe. The items are not important, but the lesson IS). Then, he bartered more and traded the pen for a cup...the cup for a canister...the canister for an electric clock...the clock for...
Well, you get the picture. He caught the attention on some talk shows and made guest appearances. This popularity put his little town "on the map," as they say. The town benefited from all this publicity. Soooooooooooo, what did he get from reinvesting the items he had (at one point, he had a snow mobile worth hundreds). Did he cash in that snow mobile and spend the $900? Nope. He kept reinvesting it.
Here's the jackpot:
The city gave him a HOME where he could live rent free...all from a little red paper clip!
"Avenue To Wealth" Tip 2
This tip relates to personal expenses. And, before you discount this controversial subject, I urge you to be as objective and fair minded as possible.
Paying for an advanced degree, i.e. Masters Degree, may be a BAD investment.
You read that correctly. According to an article found in Forbes Magazine (Special Issue: 2011 Edition), although that degree will probably translate into a high salary, it also comes at a HIGH COST. Cost such as a high tuition (often paid for with debt), plus a year or more of lost earnings.
The article goes on to show you how a hard working Medical Doctor will only make slightly more spendable income than a plumber over their lifetime.
Averaging data from different states, the article says a doctor's peak earnings would be about $185,900, and the plumber's $71,700. After factoring in the actual earning life of both professions (since doctors must go through more schooling and residency) and related expenses, you'll be stunned at the net results!
Since the doctor also must spend more money in tuition, student loan interests (unless you're wealthy to begin with), and income taxes than the plumber, the net result is that the doctor will come out with only $500 (adjusted for inflation adjusted) more a year of spendable cash during his/her adult life than the plumber!
Pursue your education if you love studying the subject, and NOT FOR MAKING GOOD MONEY.
"Avenue To Wealth" Tip 3
Homeowners, here's how you can possibly find hundreds of dollars... by challenging your property tax.
Depending on which state you live in, experts estimate that 30%-60% of tax assessments are OVER-assessed. Middle- and lower- income taxpayers are the most over-assessed. The sad thing is that only about 5% actually challenge their assessment. Just by doing some homework and some preparation, most of the challengers won at least a partial victory.
Property tax assessors are sometimes just part-timers with little training. These folks do a lot of guesstimating that give your property an inaccurate value, thus, over-assessing your property tax.
Watch the video on my site for tips on what you can do to save hundreds, or even thousands on property taxes:
"Avenue To Wealth" Tip 4
Also relating to personal expense for parents, as well as kids funding their own education, is the fallacy of prestigious degrees.
Degrees from big name universities are NOT necessarily valuable.
The reality is graduates do well in life because of talents, skills, work ethic, ambition, initiative, and the like. All this can be picked up outside of a prestigious (and expensive) classroom.
A strategy offered in the same Forbes article mentioned above is to have your child attend 2 years at a community college and then switch to a state university. This will literally save tens of thousands of dollars.
Cheap Colleges
Beerea College
Cooper Union
Deep Springs College
U.S. Military Academy
"Avenue To Wealth" Tip 5
With the world being electronically connected, markets have become more volatile than ever. Bear markets, like the one in 2008, have become vicious. Sideways markets have lasted longer. It is critical to your investing success to find a trading system that is comfortable for you and one that you believe in. It needs to make sense to YOU so that you can take gains and losses without hesitation and second guessing.
Usually, this calls for a system that leaves the guess work out and the only way to do it is through a mechanical trading system. The system needs to be one that, once learned, you can trade on your own. Independence is what we want, right?
There are many proven trading systems out there, but the weakest link to any system is the trader. Since investing is a marathon and not a sprint, you will get the best results you possibly can if you align yourself with a comfortable strategy.
I must emphasize again, it is important to be comfortable and consistent because if you are not in control of yourself, no system will make you money.
Financial security will come to those that take responsibility of their future.
For more tips and videos, go to GainFinancialFreedom.org now.
Article Source: http://EzineArticles.com/?expert=Charlie_A.
Article Source: http://EzineArticles.com/6435377
The government has financial problems (in case you didn't know). Their bills are more than what's coming in. What are they going to do? It will be a combination of cutting their expenses, i.e. reduce social security payments, medicare costs, welfare, etc. and increasing their revenues, i.e. tax you, borrow more money, etc.
Their irresponsible financial decisions will affect you one way or another. Whether it's the unstable economy, less entitlement handouts, or more taxes, there is no greater time to start focusing on being self-sufficient, independent, or otherwise insulated from your governments.
You can pay a little more attention to personal expenses, you can teach your kids (and yourself) to be financially literate, and you can do things to keep the government hands from picking your pockets (lower your taxes).
So, here are some tips to help you create wealth now.
"Avenue To Wealth" Tip 1
This tip has got to be the most powerful tip for a kid (or even an adult) to see. It's simple financial intelligence. And, this goes to show you that in order to build wealth, you do not need a lot of money to start with. Try this yourself: double $10 until you reach a million dollars and count how many times it took. Now, double $100 until you reach a million dollars. Notice the $100 turned into a million ONLY 3 times faster. This goes to show you that the amount of money you have to start with has very little effect on whether or not you become a millionaire!
You just need to realize that the real power comes further down the "doubling" road. So, DO NOT ruin your ticket to financial freedom by spending what you've built half way through your plan.
If you're going to build wealth in good times or bad, you need to incorporate (right now) the POWER of compounding.
You might have already heard about the story of the red paper clip, but for those of you who didn't, it is a perfect example of how you can build wealth with practically nothing, IF YOU EXPLOIT THE POWER OF COMPOUNDING.
The story was about a young man who found a red paper clip. He built a story around that red paper clip telling his (website) visitors that he was planning on trading up this paper clip. It had great potential of becoming popular and, thus, more valuable than just it's initial cost.
What he did was bartered with others and finally traded it for a pen (I believe. The items are not important, but the lesson IS). Then, he bartered more and traded the pen for a cup...the cup for a canister...the canister for an electric clock...the clock for...
Well, you get the picture. He caught the attention on some talk shows and made guest appearances. This popularity put his little town "on the map," as they say. The town benefited from all this publicity. Soooooooooooo, what did he get from reinvesting the items he had (at one point, he had a snow mobile worth hundreds). Did he cash in that snow mobile and spend the $900? Nope. He kept reinvesting it.
Here's the jackpot:
The city gave him a HOME where he could live rent free...all from a little red paper clip!
"Avenue To Wealth" Tip 2
This tip relates to personal expenses. And, before you discount this controversial subject, I urge you to be as objective and fair minded as possible.
Paying for an advanced degree, i.e. Masters Degree, may be a BAD investment.
You read that correctly. According to an article found in Forbes Magazine (Special Issue: 2011 Edition), although that degree will probably translate into a high salary, it also comes at a HIGH COST. Cost such as a high tuition (often paid for with debt), plus a year or more of lost earnings.
The article goes on to show you how a hard working Medical Doctor will only make slightly more spendable income than a plumber over their lifetime.
Averaging data from different states, the article says a doctor's peak earnings would be about $185,900, and the plumber's $71,700. After factoring in the actual earning life of both professions (since doctors must go through more schooling and residency) and related expenses, you'll be stunned at the net results!
Since the doctor also must spend more money in tuition, student loan interests (unless you're wealthy to begin with), and income taxes than the plumber, the net result is that the doctor will come out with only $500 (adjusted for inflation adjusted) more a year of spendable cash during his/her adult life than the plumber!
Pursue your education if you love studying the subject, and NOT FOR MAKING GOOD MONEY.
"Avenue To Wealth" Tip 3
Homeowners, here's how you can possibly find hundreds of dollars... by challenging your property tax.
Depending on which state you live in, experts estimate that 30%-60% of tax assessments are OVER-assessed. Middle- and lower- income taxpayers are the most over-assessed. The sad thing is that only about 5% actually challenge their assessment. Just by doing some homework and some preparation, most of the challengers won at least a partial victory.
Property tax assessors are sometimes just part-timers with little training. These folks do a lot of guesstimating that give your property an inaccurate value, thus, over-assessing your property tax.
Watch the video on my site for tips on what you can do to save hundreds, or even thousands on property taxes:
"Avenue To Wealth" Tip 4
Also relating to personal expense for parents, as well as kids funding their own education, is the fallacy of prestigious degrees.
Degrees from big name universities are NOT necessarily valuable.
The reality is graduates do well in life because of talents, skills, work ethic, ambition, initiative, and the like. All this can be picked up outside of a prestigious (and expensive) classroom.
A strategy offered in the same Forbes article mentioned above is to have your child attend 2 years at a community college and then switch to a state university. This will literally save tens of thousands of dollars.
Cheap Colleges
Beerea College
Cooper Union
Deep Springs College
U.S. Military Academy
"Avenue To Wealth" Tip 5
With the world being electronically connected, markets have become more volatile than ever. Bear markets, like the one in 2008, have become vicious. Sideways markets have lasted longer. It is critical to your investing success to find a trading system that is comfortable for you and one that you believe in. It needs to make sense to YOU so that you can take gains and losses without hesitation and second guessing.
Usually, this calls for a system that leaves the guess work out and the only way to do it is through a mechanical trading system. The system needs to be one that, once learned, you can trade on your own. Independence is what we want, right?
There are many proven trading systems out there, but the weakest link to any system is the trader. Since investing is a marathon and not a sprint, you will get the best results you possibly can if you align yourself with a comfortable strategy.
I must emphasize again, it is important to be comfortable and consistent because if you are not in control of yourself, no system will make you money.
Financial security will come to those that take responsibility of their future.
For more tips and videos, go to GainFinancialFreedom.org now.
Article Source: http://EzineArticles.com/?expert=Charlie_A.
Article Source: http://EzineArticles.com/6435377
What Are BPO Jobs?
If you are like many real estate agents, brokers and other professionals today, you keep hearing about BPOs and BPO jobs - perhaps you even know an agent or broker who is involved with them - but don't know much about them and nobody seems to be sharing much information either. In fact, you might find yourself asking the very question, "What Are BPO Jobs?"
Especially today, banks have a great need to know the value of properties. For example, with the increasing number of short sale offers, banks and lenders need to know if they are being lowballed or if the offers are reasonable. They also need to know the values of properties when determining refinances and loan modifications, along with variety of other situations.
What Are BPO Jobs - The Banks' Perspective
Of course the bank could hire an appraiser, but this can be costly and for these types of situations the bank can get by with a simple value estimation done by a real estate agent or broker. In this situation, the bank will order what is known as a BPO - or Broker Price Opinion. Essentially what this means is that the bank is requesting the opinion of a real estate broker or agent on the value of a particular property.
So what are BPO jobs? Basically, a BPO job is when a real estate agent or broker responds to one of these requests. A BPO or broker price opinion consists of taking multiple photos of the property which vary from order to order and then completing an online form with information such as; neighborhood information, 3 properties that are for sale that are comparable and close to the subject property, 3 properties that have sold within 3-6 months that are comparable and close to the subject property, and some orders require a list of all damage, required repairs, along with an estimate of cost of the necessary work needed to the subject property. Then, as long as you complete the BPOs successfully and within the required time frame, the lender will send more orders for you to complete - and, of course, pay you for completing them!
What Are BPO Jobs - The Real Estate Agent's Perspective
Any real estate agent or broker can decide to become a BPO agent. By registering with the servicing companies that manage BPO orders for banks and lenders, a real estate agent or broker can begin receiving requests to complete BPO jobs - and getting paid by the lenders to complete them!
In this situation, the agent will simply visit the property, take photographs as requested by the lender, calculate some figures based on comparables and other data, and submit this information in a report back to the lender.
It's actually quite a simple process and many agents and brokers are taking advantage of this great opportunity to add an additional stream of income to their real estate businesses.
If you are interested in becoming a BPO agent, you can find great training and other resources at the BPO REO Academy - a community of BPO and REO experts experienced in completing BPO jobs - dedicated to the success of agents and brokers looking to get started as BPO agents.
Article Source: http://EzineArticles.com/?expert=Robb_Krzyston
Article Source: http://EzineArticles.com/6489294
Especially today, banks have a great need to know the value of properties. For example, with the increasing number of short sale offers, banks and lenders need to know if they are being lowballed or if the offers are reasonable. They also need to know the values of properties when determining refinances and loan modifications, along with variety of other situations.
What Are BPO Jobs - The Banks' Perspective
Of course the bank could hire an appraiser, but this can be costly and for these types of situations the bank can get by with a simple value estimation done by a real estate agent or broker. In this situation, the bank will order what is known as a BPO - or Broker Price Opinion. Essentially what this means is that the bank is requesting the opinion of a real estate broker or agent on the value of a particular property.
So what are BPO jobs? Basically, a BPO job is when a real estate agent or broker responds to one of these requests. A BPO or broker price opinion consists of taking multiple photos of the property which vary from order to order and then completing an online form with information such as; neighborhood information, 3 properties that are for sale that are comparable and close to the subject property, 3 properties that have sold within 3-6 months that are comparable and close to the subject property, and some orders require a list of all damage, required repairs, along with an estimate of cost of the necessary work needed to the subject property. Then, as long as you complete the BPOs successfully and within the required time frame, the lender will send more orders for you to complete - and, of course, pay you for completing them!
What Are BPO Jobs - The Real Estate Agent's Perspective
Any real estate agent or broker can decide to become a BPO agent. By registering with the servicing companies that manage BPO orders for banks and lenders, a real estate agent or broker can begin receiving requests to complete BPO jobs - and getting paid by the lenders to complete them!
In this situation, the agent will simply visit the property, take photographs as requested by the lender, calculate some figures based on comparables and other data, and submit this information in a report back to the lender.
It's actually quite a simple process and many agents and brokers are taking advantage of this great opportunity to add an additional stream of income to their real estate businesses.
If you are interested in becoming a BPO agent, you can find great training and other resources at the BPO REO Academy - a community of BPO and REO experts experienced in completing BPO jobs - dedicated to the success of agents and brokers looking to get started as BPO agents.
Article Source: http://EzineArticles.com/?expert=Robb_Krzyston
Article Source: http://EzineArticles.com/6489294
Online Jobs for College Students
These days, online jobs are really very popular among the college students. The internet has opened up a world of opportunities where students can earn handsomely by working just a few hours everyday. This way they can pay for their college fees themselves even if they don't qualify for college scholarships or a student loan consolidation. Online jobs for college students are better option than student credit cards or online banking accounts. This is perhaps the best way to pay down your student debt without knowing how to write a grant. More importantly, for these online jobs, you won't have to leave your home and you will be able to devote time on your studies as well.
If you are looking for a source of income to pay for your college fees, then you need to explore the internet world for finding various money making options. Today, online world offers an extensive range of earning opportunities to the motivated students. There are always fair chances that a student can take advantage of these opportunities to make earnings. Here a list of online jobs for college students that they can accomplish from the comforts of their own rooms.
1. Freelance Writing Jobs -
Online world is always hungry for good quality content. If you are good at writing and love researching on different subject areas, freelance writing can be a good way to make money online. There are many content development websites that offer online jobs for college students. Just make a Google search with the keywords "freelance content writing" and a number of opportunities will be displayed on your screen. You can grab those which you will find suitable to your interests.
2. Graphic Designing -
If you think you are a creative person who loves to play with designs and colors, online graphic designing jobs are just for you. There are many websites that offer jobs like logo designing, brochure designing etc. You must be skillful in using different graphic designing software such as Adobe In-design, Photoshop, Corel Draw etc to accomplish the graphic designing jobs perfectly. Moreover, you need to have conceptualization power to think over unique designs and concepts. Graphic designing jobs are very good online jobs for college students who want to earn handsomely in just few hours.
3. Online Tutoring -
With internet, everything has taken a virtual route and even young kids love to earn tuitions online. This can be a good opportunity for a college student. For just a couple of hours per day, students can earn some money to take care of their college expenses.
Article by Mandy Farris
Learn how to use popular internet technologies like Google and RSS feeds to find scholarships in this FREE 40+ page ebook: "Scholarship Search Secrets"
CLICK HERE
Article Source: http://EzineArticles.com/?expert=Mandy_Farris
Article Source: http://EzineArticles.com/6326910
If you are looking for a source of income to pay for your college fees, then you need to explore the internet world for finding various money making options. Today, online world offers an extensive range of earning opportunities to the motivated students. There are always fair chances that a student can take advantage of these opportunities to make earnings. Here a list of online jobs for college students that they can accomplish from the comforts of their own rooms.
1. Freelance Writing Jobs -
Online world is always hungry for good quality content. If you are good at writing and love researching on different subject areas, freelance writing can be a good way to make money online. There are many content development websites that offer online jobs for college students. Just make a Google search with the keywords "freelance content writing" and a number of opportunities will be displayed on your screen. You can grab those which you will find suitable to your interests.
2. Graphic Designing -
If you think you are a creative person who loves to play with designs and colors, online graphic designing jobs are just for you. There are many websites that offer jobs like logo designing, brochure designing etc. You must be skillful in using different graphic designing software such as Adobe In-design, Photoshop, Corel Draw etc to accomplish the graphic designing jobs perfectly. Moreover, you need to have conceptualization power to think over unique designs and concepts. Graphic designing jobs are very good online jobs for college students who want to earn handsomely in just few hours.
3. Online Tutoring -
With internet, everything has taken a virtual route and even young kids love to earn tuitions online. This can be a good opportunity for a college student. For just a couple of hours per day, students can earn some money to take care of their college expenses.
Article by Mandy Farris
Learn how to use popular internet technologies like Google and RSS feeds to find scholarships in this FREE 40+ page ebook: "Scholarship Search Secrets"
CLICK HERE
Article Source: http://EzineArticles.com/?expert=Mandy_Farris
Article Source: http://EzineArticles.com/6326910
Language Translation Jobs Are A Growing Area Of Need
Civil Engineering Jobs World Wide Roles with BP Where will your career take you? www.bp.com/engineering
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Language translation jobs are a great avenue for a career. More different languages are used in the social and business climates today. The need is ever increasing for more individuals who can translate languages from and to English. The choice to retain the native language is being taken by more people as well and this magnifies the need.
One requirement for translation is that a person be fluent in the language he or she will be translating. Fluency is important because there may be different needs for the translation. General, business, and technical interpretation are different levels of the need. Business translation ranges from receiving benefits to understanding what is required to function lawfully, such as registering a car with DMV or applying for a social security card to get a job. General services may be necessary for social gatherings. Technical conversion may apply to school or specific industries.
There are different arenas that require these services. Court testimony from witnesses is a very prominent situation requiring translation. There is an important and relative need to make sure that the witness understands the question and the court understands the answers. Also, medical situations require the need to make sure that everyone understands the situation. The government is an area that uses these services to offer new citizens the opportunity to understand benefits and direction in this country.
This can be a very worthwhile career. Gratification received from helping another person understand the information presented and be able to process that information is vital. Employment for interpreters has risen tremendously and translation covers various industries. Choosing translation as a career is not only rewarding but also profitable. This work pays well and does provide challenges and growth opportunities. Language translation jobs benefit both parties and helps to develop the cultural diversity aspect of society.
As stated above, language translation jobs are ever increasing and there is a need for more individuals to choose this career. More people of different races are choosing to maintain their native language and therefore, the need for translation increases. Language translation jobs include the courts, business arenas, government positions and social service venues. There is a variety of places and opportunity for these jobs.
This is indeed a great avenue to pursue for the person who is fluent in a language other than English. A job in this field carries over to several different industries. Though Spanish is more prevalent as the language for translation, other languages are calling for more interpreters such as Chinese, French, Korean, and others. The variation of languages needed calls for many different individuals. The more languages that are spoken increases the number of opportunities to be employed.
Are you looking for the right French translation service? Be sure to visit my sites if you need French or English to Spanish translation.
Article Source: http://EzineArticles.com/?expert=Jeremy_Winters
Get $75 Free Advertising Try Google AdWords. Claim Your $75 Coupon Now! www.Google.com/AdWords
$67/hr Job - 35 Openings Work From Home Part-Time Online Make Up To $67/hour Each Day! www.IreneGiesbrecht.com
Language translation jobs are a great avenue for a career. More different languages are used in the social and business climates today. The need is ever increasing for more individuals who can translate languages from and to English. The choice to retain the native language is being taken by more people as well and this magnifies the need.
One requirement for translation is that a person be fluent in the language he or she will be translating. Fluency is important because there may be different needs for the translation. General, business, and technical interpretation are different levels of the need. Business translation ranges from receiving benefits to understanding what is required to function lawfully, such as registering a car with DMV or applying for a social security card to get a job. General services may be necessary for social gatherings. Technical conversion may apply to school or specific industries.
There are different arenas that require these services. Court testimony from witnesses is a very prominent situation requiring translation. There is an important and relative need to make sure that the witness understands the question and the court understands the answers. Also, medical situations require the need to make sure that everyone understands the situation. The government is an area that uses these services to offer new citizens the opportunity to understand benefits and direction in this country.
This can be a very worthwhile career. Gratification received from helping another person understand the information presented and be able to process that information is vital. Employment for interpreters has risen tremendously and translation covers various industries. Choosing translation as a career is not only rewarding but also profitable. This work pays well and does provide challenges and growth opportunities. Language translation jobs benefit both parties and helps to develop the cultural diversity aspect of society.
As stated above, language translation jobs are ever increasing and there is a need for more individuals to choose this career. More people of different races are choosing to maintain their native language and therefore, the need for translation increases. Language translation jobs include the courts, business arenas, government positions and social service venues. There is a variety of places and opportunity for these jobs.
This is indeed a great avenue to pursue for the person who is fluent in a language other than English. A job in this field carries over to several different industries. Though Spanish is more prevalent as the language for translation, other languages are calling for more interpreters such as Chinese, French, Korean, and others. The variation of languages needed calls for many different individuals. The more languages that are spoken increases the number of opportunities to be employed.
Are you looking for the right French translation service? Be sure to visit my sites if you need French or English to Spanish translation.
Article Source: http://EzineArticles.com/?expert=Jeremy_Winters
Private Tutoring Jobs: Great Part Time Income
If you're a teacher or college student looking for a part-time job, you may want to consider working as a private tutor. As a home tutor you can make good money at a fulfilling and often fun job.
Some kids struggle a lot in school - you may have had a hard time of it yourself. Tutors can make a huge difference in children's lives, and can be very rewarding for you too. Parents are willing to spend the money to help their kids succeed in school, and that's where you come into the picture.
Now, if you're thinking that you don't have patience for young children, or you don't feel capable of tutoring a high school student, you'll find that there's a huge variety of private tutoring jobs available and one may be the ideal fit for you.
Types of Private Tutoring Jobs
Of course there are the basic elementary school needs in writing, reading, spelling, and arithmetic. If you enjoy young children this may be the perfect age for you to tutor.
Middle school kids sometimes need more than the basics since at this point some kids start falling through the cracks. Are you good at motivating people or teaching them how to be organized? These are valuable skills and are needed for kids who are starting to fall back or even fail in their schoolwork.
Tutoring for high school students encompasses the greatest variety of subjects, and you may fit well into one of these areas:
If you're fluent in Spanish, French, Latin or German, there are plenty of kids who can benefit for your knowledge of the language.
Are you a math genius? Algebra, geometry, statistics, calculus - these are all killers for many students, and they need all the help they can get.
Tutoring in the high school sciences area can be interesting, especially if you're working with students for advanced placement, or assisting in science projects. Proficiency in biology, chemistry, physics, or environmental science are valuable assets that we can put to good use.
This is also the time when students have to start preparing for SAT and ACT testing, and many parents want their children coached for these important evaluations.
Some people prefer to work with special education students: those with ADD, ADHD, auditory and visual processing disorders, or possibly Asperger's Disorder. There are many children who need your help in coping with everyday challenges.
So how do you find one of these home tutoring jobs? The best way is to go through a tutoring agency. They will evaluate you and then find the best matches, both for you and the student. Expect a background check and be prepared to offer excellent references.
If are interested in a home tutoring job in the Scottsdale/Phoenix area, call Bright Tutoring at 480-203-1873 or complete the application on our website at http://www.BrightTutoring.com. We would love to talk with you further about the opportunities we have available.
Article Source: http://EzineArticles.com/?expert=Kay_Zeeh
Article Source: http://EzineArticles.com/6499307
Some kids struggle a lot in school - you may have had a hard time of it yourself. Tutors can make a huge difference in children's lives, and can be very rewarding for you too. Parents are willing to spend the money to help their kids succeed in school, and that's where you come into the picture.
Now, if you're thinking that you don't have patience for young children, or you don't feel capable of tutoring a high school student, you'll find that there's a huge variety of private tutoring jobs available and one may be the ideal fit for you.
Types of Private Tutoring Jobs
Of course there are the basic elementary school needs in writing, reading, spelling, and arithmetic. If you enjoy young children this may be the perfect age for you to tutor.
Middle school kids sometimes need more than the basics since at this point some kids start falling through the cracks. Are you good at motivating people or teaching them how to be organized? These are valuable skills and are needed for kids who are starting to fall back or even fail in their schoolwork.
Tutoring for high school students encompasses the greatest variety of subjects, and you may fit well into one of these areas:
If you're fluent in Spanish, French, Latin or German, there are plenty of kids who can benefit for your knowledge of the language.
Are you a math genius? Algebra, geometry, statistics, calculus - these are all killers for many students, and they need all the help they can get.
Tutoring in the high school sciences area can be interesting, especially if you're working with students for advanced placement, or assisting in science projects. Proficiency in biology, chemistry, physics, or environmental science are valuable assets that we can put to good use.
This is also the time when students have to start preparing for SAT and ACT testing, and many parents want their children coached for these important evaluations.
Some people prefer to work with special education students: those with ADD, ADHD, auditory and visual processing disorders, or possibly Asperger's Disorder. There are many children who need your help in coping with everyday challenges.
So how do you find one of these home tutoring jobs? The best way is to go through a tutoring agency. They will evaluate you and then find the best matches, both for you and the student. Expect a background check and be prepared to offer excellent references.
If are interested in a home tutoring job in the Scottsdale/Phoenix area, call Bright Tutoring at 480-203-1873 or complete the application on our website at http://www.BrightTutoring.com. We would love to talk with you further about the opportunities we have available.
Article Source: http://EzineArticles.com/?expert=Kay_Zeeh
Article Source: http://EzineArticles.com/6499307
Home Employment Jobs - How to Avoid Schemes
Finding home employment jobs should not be hard to find. However, finding legitimate work at home jobs are. In the last few years the economy has seen big corporations shutting down their brick and mortar sites and hiring at home workers. Who even knew working at home was achievable due to so many jobs being outsourced.
Luckily, these home employment jobs are now being brought back to the United States, allowing more and more individuals the flexibility to work from home to spend more quality time with their families and raise their children. Working from home is not a hobby, its a real job where you can earn some serious money. All you need is time, dedication, a quiet work area, internet (and sometimes a landline phone) all of which is doable.
If you ask most people what their dream working situation would entail, most would list self-employment and the ability to work from home as their top requirements. Having the ability to complete your work according to your own deadlines and specifics is a great stress-reducer, as very few people enjoy getting up in the morning to commute to a noisy impersonal corporate cubicle. That is not a natural state, but rather one that has been constructed out of necessity. Fortunately, the rise of the internet has led to some very new and exciting home employment job opportunities, even for those without a bachelor's degree.
I first started my work at home research I was all over the place, not knowing where to look and was scared to death of getting scammed. I dedicated countless hours into researching all different types of home employment jobs. Just then I discovered that there are hundreds of legit home jobs out there, if you know where to look. However, there are also thousands of scam work at home jobs out there as well. I just knew that there had to be a better way of finding the legit home employment jobs and I am sure you have had the same exact thoughts.
What would make the search easier to wean out the scams from the legitimate jobs? A few simple things you can do!! Avoid envelope stuffing ads. They will ask for a small fee, however after sending in the fee instead you get a letter telling you to get other people, even your friends and relatives, to buy the same envelope-stuffing "opportunity". The only way you can earn any money is if people respond the same way you did. This is not honest and is very deceptive.
Avoid assembly and craft work. These ads will tell you that you can make money from home assembling products. However after investing hundreds of dollars on equipment and submitting your work, the company will tell you that your work is not up to standard therefore you are not getting paid.
Avoid rebate processing. This one has been a hot trend. The advertisement will tell you, "The #1 certified work-at-home consultant behind the program will show you how to succeed like she did". It will even promise you that you can process rebates for Fortune 500 Corporations. Don't be deceived. After you pay the training fees, certification, or registration fee the refund that you will make if any, will be nothing compared to the money you have dished out. Very few people ever see a refund. When you do receive your training material you quickly find out that there are no rebates to process.
Make sure with any work at home job, program, or business opportunity that you do your research. There are more schemes out there than legitimate jobs.
Juanita Williams is married with children and has been a work at home mom since 2008. In addition she is also a freelance writer for Demand Studios. Juanita is the founder and owner of Home Employment Jobs: Your Work At Home Resource Guide. She has spent thousands of hours compiling legit work at home jobs. To start working from home for legitimate Fortune 500 Companies visit: http://www.juanitahawkins.com
Article Source: http://EzineArticles.com/?expert=Juanita_Williams
Article Source: http://EzineArticles.com/6446177
Luckily, these home employment jobs are now being brought back to the United States, allowing more and more individuals the flexibility to work from home to spend more quality time with their families and raise their children. Working from home is not a hobby, its a real job where you can earn some serious money. All you need is time, dedication, a quiet work area, internet (and sometimes a landline phone) all of which is doable.
If you ask most people what their dream working situation would entail, most would list self-employment and the ability to work from home as their top requirements. Having the ability to complete your work according to your own deadlines and specifics is a great stress-reducer, as very few people enjoy getting up in the morning to commute to a noisy impersonal corporate cubicle. That is not a natural state, but rather one that has been constructed out of necessity. Fortunately, the rise of the internet has led to some very new and exciting home employment job opportunities, even for those without a bachelor's degree.
I first started my work at home research I was all over the place, not knowing where to look and was scared to death of getting scammed. I dedicated countless hours into researching all different types of home employment jobs. Just then I discovered that there are hundreds of legit home jobs out there, if you know where to look. However, there are also thousands of scam work at home jobs out there as well. I just knew that there had to be a better way of finding the legit home employment jobs and I am sure you have had the same exact thoughts.
What would make the search easier to wean out the scams from the legitimate jobs? A few simple things you can do!! Avoid envelope stuffing ads. They will ask for a small fee, however after sending in the fee instead you get a letter telling you to get other people, even your friends and relatives, to buy the same envelope-stuffing "opportunity". The only way you can earn any money is if people respond the same way you did. This is not honest and is very deceptive.
Avoid assembly and craft work. These ads will tell you that you can make money from home assembling products. However after investing hundreds of dollars on equipment and submitting your work, the company will tell you that your work is not up to standard therefore you are not getting paid.
Avoid rebate processing. This one has been a hot trend. The advertisement will tell you, "The #1 certified work-at-home consultant behind the program will show you how to succeed like she did". It will even promise you that you can process rebates for Fortune 500 Corporations. Don't be deceived. After you pay the training fees, certification, or registration fee the refund that you will make if any, will be nothing compared to the money you have dished out. Very few people ever see a refund. When you do receive your training material you quickly find out that there are no rebates to process.
Make sure with any work at home job, program, or business opportunity that you do your research. There are more schemes out there than legitimate jobs.
Juanita Williams is married with children and has been a work at home mom since 2008. In addition she is also a freelance writer for Demand Studios. Juanita is the founder and owner of Home Employment Jobs: Your Work At Home Resource Guide. She has spent thousands of hours compiling legit work at home jobs. To start working from home for legitimate Fortune 500 Companies visit: http://www.juanitahawkins.com
Article Source: http://EzineArticles.com/?expert=Juanita_Williams
Article Source: http://EzineArticles.com/6446177
Types of Engineering Jobs and What They Involve
There are many types of engineering jobs. Most, if not all, require a person to have some creative skills, as well as mathematical and scientific expertise. The types of engineers are broadly classified as mechanical, electrical, civil, and chemical. There are many subcategories. In all of these fields, people must try to design and build things to solve problems and, hopefully, make society better. They must do this by keeping in mind just how feasible their design will be to build and if it is worth the cost.
A mechanical engineer is one who has been trained to design mechanical systems, and practices designing mechanical systems. They may work on vacuum technology, power systems, transportation products, weapon systems, aircraft, kinematic chains, vibration isolation, or any other physical machine. An electrical engineer works on a rather large number of electrical items and systems. This includes telecommunications, computers, fiber optics, electronic circuits, electronic devices, electromagnetic devices, generators, circuits, and many others.
If somebody goes into civil engineering they will likely help to design and construct structures the public uses daily. They also work on structures for private individuals. Their job description may involve large buildings, bridges, roads, water supply, railroads, water treatment systems and other structures we all use. A chemical engineer works with chemical processing, usually on a large scale. They may develop new types of fuel, which are hopefully better and less polluting than what people are using now.
All of these engineering jobs usually require a large amount of education. How much will depend largely on the field and subcategory one chooses. A relatively new growing field is software engineering. In this field, a person will help improve software in hopes of making it better and cheaper. Someone in an environmental field works with water treatment and its impact on the environment. If somebody is in the agricultural field, they might be involved in chemical or mechanical engineering, depending on if they are making machines for agricultural purposes, or something animal or plant biology related. They help with devising better ways to make food available for people and livestock.
A person's interest will help them decide which field to pursue. If somebody grew up playing with boats, they may like marine engineering where they can try to build a better boat. If somebody likes to play with Legos and blocks, they may like to go into the architectural field. There they can use their passion for building to make marvelous structures and overcome many building problems. They will also work on making structures that are safe from all kinds of weather and natural disasters.
All of these fields of engineering jobs are involved in making things better. A sales engineer is almost like a glorified sales person, but they are highly educated and more able to help consumers make good purchasing decisions and use their products. They are the ones who help with troubleshooting today's troublesome technology. These jobs may take a lot of training, but the right people can get this done.
Are you trying to find engineering jobs in the UK? Be sure to register at our job site if you are trying to civil engineer jobs in the UK. We have listings for many other jobs as well.
Article Source: http://EzineArticles.com/?expert=Jeremy_Winters
Article Source: http://EzineArticles.com/5695376
A mechanical engineer is one who has been trained to design mechanical systems, and practices designing mechanical systems. They may work on vacuum technology, power systems, transportation products, weapon systems, aircraft, kinematic chains, vibration isolation, or any other physical machine. An electrical engineer works on a rather large number of electrical items and systems. This includes telecommunications, computers, fiber optics, electronic circuits, electronic devices, electromagnetic devices, generators, circuits, and many others.
If somebody goes into civil engineering they will likely help to design and construct structures the public uses daily. They also work on structures for private individuals. Their job description may involve large buildings, bridges, roads, water supply, railroads, water treatment systems and other structures we all use. A chemical engineer works with chemical processing, usually on a large scale. They may develop new types of fuel, which are hopefully better and less polluting than what people are using now.
All of these engineering jobs usually require a large amount of education. How much will depend largely on the field and subcategory one chooses. A relatively new growing field is software engineering. In this field, a person will help improve software in hopes of making it better and cheaper. Someone in an environmental field works with water treatment and its impact on the environment. If somebody is in the agricultural field, they might be involved in chemical or mechanical engineering, depending on if they are making machines for agricultural purposes, or something animal or plant biology related. They help with devising better ways to make food available for people and livestock.
A person's interest will help them decide which field to pursue. If somebody grew up playing with boats, they may like marine engineering where they can try to build a better boat. If somebody likes to play with Legos and blocks, they may like to go into the architectural field. There they can use their passion for building to make marvelous structures and overcome many building problems. They will also work on making structures that are safe from all kinds of weather and natural disasters.
All of these fields of engineering jobs are involved in making things better. A sales engineer is almost like a glorified sales person, but they are highly educated and more able to help consumers make good purchasing decisions and use their products. They are the ones who help with troubleshooting today's troublesome technology. These jobs may take a lot of training, but the right people can get this done.
Are you trying to find engineering jobs in the UK? Be sure to register at our job site if you are trying to civil engineer jobs in the UK. We have listings for many other jobs as well.
Article Source: http://EzineArticles.com/?expert=Jeremy_Winters
Article Source: http://EzineArticles.com/5695376
Sprouting Jobs During A Recession
What will help get America the jobs it needs is the perplexing issue faced now. The giveaway to those large corporations billions of dollars in anticipation of "new job creation" has been a folly. What is so surprising is the very backbone of American economic job creation is sitting on the doorstep looking in.
Historically it has been shown over and over that job creation occurs in the "hinterland", those areas across the U.S. that nurture and develop small business entrepreneurship. The towns, states, municipalities that work to help the new business owner prosper. Entrepreneurs often start with him/herself and family with a new business idea or service. They operate on a shoestring, are forced economically to be right in their decisions much more often than wrong, or they fail.
As the business survives part time and full time jobs emerge to non family members. The cost for productive job creation is borne in small businesses by individuals, not government subsidies. Over 75% of all businesses in the U.S. have 5 or fewer employees. It is here the jobs will come. Many of the new businesses will fail but it is out of those who succeed that the next Microsoft, SAS, CaptiveAire will emerge. Generally all large corporations were created from the successful ideas of a small business entrepreneur whose idea arrived at the right time.
In order to have the right ideas, at the right times, there needs to be a concentration of small businesses trying to succeed. It's plain probability and statistics that if our country only has 1% of the population being entrepreneurial then the chances for a new success is limited compared to 5% of the population being entrepreneurial. Governments need to encourage new business development, not reward failure of large corporations by giving tax payer money to subsidize the wrong decisions.
Today one area that is really stepping up for new job creation is the retail downtown business incubators. Basically these are large, often historic buildings, which may have been abandoned as the manufacturing sector was exported overseas. These buildings are being saved for their historical significance, yet being revitalized to become a downtown business incubator for home based businesses, or advertising kiosks for smaller businesses.
Jobs are created by employing staff to maintain the stores, gathering small crafters, artists, entrepreneurs, business planners in one place to experiment with their products, and service ideas. New ideas and concepts appear daily as the amalgamation of many entrepreneurs in one building, spur new products and retailing methods. Outdated, soon to be destroyed buildings require architects, contractors, public permitting, plumbing and so many ancillary services just to open the doors. It is this energizing that occurs in the community that creates opportunities and hope in the citizens.
The visibility of success spurs on confidence in the community. The historic downtowns of America are leading the way back to employment and doing so without handouts from big government. Historic downtown governments need to not offer an anemic approach to encouraging local entrepreneurship from the citizens. They need to encourage new business models such as the downtown entrepreneurial incubator business concept. Keep the property taxes, permit fees, and commercial activity alive for the betterment of the community and the creation of much needed jobs.
Here is a video on the rehabilitation of an old cotton warehouse in Wake Forest, N.C. created as an entrepreneurial business incubator.
Bob Johnson is owner/founder of MedFaxx, Inc. and has multiple patents for non pharmacological treatment of chronic pain, decubitus ulcers, using electrotherapy and ultraviolet F.D.A. approved medical devices.
Semi retired he spends most of his time furthering the goal of the charitable foundation named after their deceased son, The Graham Johnson Cultural Arts Endowment, http://www.gjcae.org
Article Source: http://EzineArticles.com/?expert=Bob_G_Johnson
Article Source: http://EzineArticles.com/6504067
Historically it has been shown over and over that job creation occurs in the "hinterland", those areas across the U.S. that nurture and develop small business entrepreneurship. The towns, states, municipalities that work to help the new business owner prosper. Entrepreneurs often start with him/herself and family with a new business idea or service. They operate on a shoestring, are forced economically to be right in their decisions much more often than wrong, or they fail.
As the business survives part time and full time jobs emerge to non family members. The cost for productive job creation is borne in small businesses by individuals, not government subsidies. Over 75% of all businesses in the U.S. have 5 or fewer employees. It is here the jobs will come. Many of the new businesses will fail but it is out of those who succeed that the next Microsoft, SAS, CaptiveAire will emerge. Generally all large corporations were created from the successful ideas of a small business entrepreneur whose idea arrived at the right time.
In order to have the right ideas, at the right times, there needs to be a concentration of small businesses trying to succeed. It's plain probability and statistics that if our country only has 1% of the population being entrepreneurial then the chances for a new success is limited compared to 5% of the population being entrepreneurial. Governments need to encourage new business development, not reward failure of large corporations by giving tax payer money to subsidize the wrong decisions.
Today one area that is really stepping up for new job creation is the retail downtown business incubators. Basically these are large, often historic buildings, which may have been abandoned as the manufacturing sector was exported overseas. These buildings are being saved for their historical significance, yet being revitalized to become a downtown business incubator for home based businesses, or advertising kiosks for smaller businesses.
Jobs are created by employing staff to maintain the stores, gathering small crafters, artists, entrepreneurs, business planners in one place to experiment with their products, and service ideas. New ideas and concepts appear daily as the amalgamation of many entrepreneurs in one building, spur new products and retailing methods. Outdated, soon to be destroyed buildings require architects, contractors, public permitting, plumbing and so many ancillary services just to open the doors. It is this energizing that occurs in the community that creates opportunities and hope in the citizens.
The visibility of success spurs on confidence in the community. The historic downtowns of America are leading the way back to employment and doing so without handouts from big government. Historic downtown governments need to not offer an anemic approach to encouraging local entrepreneurship from the citizens. They need to encourage new business models such as the downtown entrepreneurial incubator business concept. Keep the property taxes, permit fees, and commercial activity alive for the betterment of the community and the creation of much needed jobs.
Here is a video on the rehabilitation of an old cotton warehouse in Wake Forest, N.C. created as an entrepreneurial business incubator.
Bob Johnson is owner/founder of MedFaxx, Inc. and has multiple patents for non pharmacological treatment of chronic pain, decubitus ulcers, using electrotherapy and ultraviolet F.D.A. approved medical devices.
Semi retired he spends most of his time furthering the goal of the charitable foundation named after their deceased son, The Graham Johnson Cultural Arts Endowment, http://www.gjcae.org
Article Source: http://EzineArticles.com/?expert=Bob_G_Johnson
Article Source: http://EzineArticles.com/6504067
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