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Month: July 2018

How to Get Rich Buying Real Estate From Your Parents With No Money Down and No Credit

You can get rich from the equity appreciation of real estate by buying property from your parents using traditional or creative financing that may or may not require a down payment or credit. Whether you are a first-time home buyer or an experienced investor, you can buy any type of property from your parents from a home you live in with them to an investment property you rent out to tenants. The following lists some reasons why you may find it faster, easier and financially more lucrative to buy from your parents than anyone else.

You Don’t Have to Buy an Entire Property

When you buy from your parents, you can purchase any percentage you want like 10{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc}, 50{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} or 75{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc}. If you pay less-than-full price, you will have lower mortgage payments and buying a house is more affordable. Regardless of what percentage you own, you still get the benefits of home ownership such as equity appreciation, mortgage interest deductions, property tax deductions and capital gains tax exclusions.

You Can Share the Responsibility with Your Parents

When you buy a partial interest in a property, you and your parents share the responsibility of owning it including the mortgages you each carry, the property taxes, homeowners insurance or homeowners association dues, and maintenance. Because you have more than one person responsible for a property, you can rely on each other for financial strength in the event of hardship.

You Can Elevate Your Status From Renter to Owner

Are you already living at home rent-free or paying rent? Is so, why not buy into your parents’ house, since you already live there, and get an equity stake in their property? Then, you are no longer living with your parents but living in your house that you own with your parents. If your parents have more than one property, you can buy into one of their secondary or investment properties and live on your own.

You Don’t Have to Get a Loan From a Bank

When you buy from your parents, you don’t have to qualify for a loan from a traditional lender such as a bank which has income, asset and credit requirements because your parents can act as a bank and give you seller financing for your purchases.

You Can Create Your Own Home Loan

When your parents act as a bank, you can get favorable loan terms by structuring your own payment schedule with a manageable loan amount, lower-than-market interest rate and repayment term of your choice.

You Don’t Need a Down Payment

Unlike getting financing from a bank which has down payment requirements, you can buy from your parents with no money down.

You May Get Property Tax Benefits

Depending on the state you live in, your property taxes may not be reassessed at current values when you buy from your parents or grandparents because of a parent-child and grandparent to grandchild property tax reassessment exclusion. This is a huge benefit when parents and grandparents have had ownership for …

How to Plan a Cruise Vacation

A cruise vacation can be exciting as it offers a range of things like enjoying luxury services, enjoying gourmet meals, and shopping, all aboard a ship, while you are travelling from one place to another. However, if this is the first time you will be taking a cruise, then it’s always preferable to do some planning to so that nothing can go wrong with your vacation. Here are some ways to plan your first cruise vacation effectively.

Decide Where You Want to Go

It’s very important to choose your destination because certain parts of the world might not be feasible for cruising at particular times of the year. Also, deciding the route will help you adjust your budget. For instance, you can fly into a certain place, enjoy the stay there, and then get aboard the cruise. This way, you might be able to save some money on your travel. So, if you are booking cheap flights or any other part of the world, you will be able to spend the saved money on a cruise.

Get in Touch with a Travel Agent

If you are unsure of the route to take or the cruise to choose, get in touch with a travel agent. They will be able to help you out. In fact, they might even be able to guide on the best cruises in the world, while also keeping your budget in mind.

Set a Budget Aside

When you are travelling on a cruise, there will be many avenues where you can spend money. Which is why it is important to make sure you have budget and stick within that. Don’t go overboard with your expenses and spend your money wisely. Also, take most of your essentials with you so that you don’t have to spend money on buying them on the ship.

Get a Medical Checkup Done

A lot of people catch sea fever when they are travelling by the sea. If you have motion sickness, you have higher chances of falling sick on board. So, before you embark on your trip, get a full check up done and take necessary medications with you. Also, if you are suffering from any illnesses at the moment, take the prescribed medicines with you so that you don’t face any problem on board.

These are some of the ways in which you can book your first cruise holiday. Just remember to book flights to places that want to visit but aren’t covered by the cruise. Keep a close eye on your budget and make sure you have everything you need with you when finally set sail for our destination.…

Jobs For Teenagers Under 18 – Make Money Online Without Age Requirement

Are you a teenager that’s currently under the age of 18 and is looking to start making money on the internet. Maybe you are not personally the teenager but want to introduce someone that you know to making some partial cash on the internet! The great thing is that there is plenty of money to be made and there’s a fact that you can start today!

Now, here’s the question – how can I start making money today if I’m an 18 year old? The lucky thing for you is that there is tons of opportunity around and about the internet and the only thing that you have to do is to start today and begin raking in this tremendous amount of cash that is the internet!

Now what are some of the more specific ways that you can begin to make some cash online? Well for starters, there’s always the paid survey option. Believe it or not, people have achieved “full-time” incomes with paid surveys and have earned an incredible amount of cash doing it.

You see, paid surveys are easy, many of them do not have an age requirement, and if they do you can simply do the surveys and put the checks in the parent’s or guardian’s name (ask for permission of course). Now you simply fill out paid surveys, submit them, and build up money with the paid survey service.

Once you make a specific amount of money, anywhere from 10$ to 30$ in many places, you will eventually receive a check that can be deposited right away into your bank; and voila! You have made money on the internet!…

How to Compare Low Cost Health Insurance in Colorado

Comparison is the key to making almost any buying decision, and that is certainly true when it comes to choosing your Colorado health insurance plan. According to recent surveys completely 42{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} of all Colorado families are worried about paying for any health care at all. But do not be fooled into comparing only cost – when it comes to insuring your family's health care, cost is only one factor to consider.

Depending on your family's health care history and your expectations of health care needs for the coming year, you should also compare the annual maximum each health care provider is willing to pay, what each family member's co-pay will be for routine doctor visits, your co-pay for prescriptions, your out-of-pocket expenses for hospital stays, your coverage for emergency room visits, which doctors you are allowed to see and, finally, each plan needs to be compared based on the plan's deductible.

(The deductible is the amount you pay out of your own pocket each year before your health insurance begins paying off.

When all of those factors are taken into consideration, then you'll need to compare monthly premiums.

Here in Colorado you have more than half a dozen competitive plans to compare.

If it sounds like a lot of work – it is.

Even using side-by-side plan comparisons on the internet, trying to find and compare the best health care coverage for your family at the best cost is no easy matter. However, by concentrating primarily only on the benefits that are most important to you and your family you may be able to make the comparisons easier.

Health care is expensive. In fact, for more than 16 million Americans health care now consumes at least one quarter of their disposable income. That's why it's well worth whatever time and effort it takes for you to make the comparisons between health care plans so you can find the one that's right for you at a price you can afford to pay. …

Your Business Mission – What the Heck Do You Do, Anyway?

Do you really need a business mission statement? Is it just some fancy words to put in that business plan that collections dust on your shelf, or is there really more to it?

One of the key attributes of successful businesses is that they clearly know what they do. Defining the goal or the "mission" of your business can be the key to your success.

A good mission statement does three things:

"States what business you are in." Defines your target market. "Provides inspiration for your business.

One of the best examples of a mission statement comes from Levi Strauss & Co. [http://www.levistrauss.com/Company/ValuesAndVision.aspx]

"We will market and distribute the most appealing and widely worn apparel brands. Our products define quality, style and function. We will clothe the world."

Clothing the world is a pretty lofty goal, but Levi Strauss has the ability to do this for one reason — Their founder, Levi Strauss, started the business with a mission and focus.

Levi started his wholesale dry goods business in San Francisco February, 1853. Rather than hoping to make his fortune in the Gold Rush, he created a fortune by wholesaling clothing and fabric to the small stores supplying the thousands of miners and later, families of the West.

In 1872, he was contacted by Jacob Davis, a tailor who had developed a method to rivet the stress points of the pants he made from fabric he bought from-you guessed it — Levi Strauss. Jacob did not have the funds to patent the process, so he teamed up with Levi Strauss to patent the original blue jean in 1873. The rest is history.

Now, if Levi Strauss was your typical small business, he would probably have spun off in ten different directions in their early years, but the company remained focused on supplying quality clothing and fabrics to the working men and women of the West, and later the world. Rather than focusing on their core market, they would have fallen into the AFAB method … Anything for a Buck.

Most small businesses suffer from this lack of focus.

When we work with struggling business owners, the first thing we ask them is "What is your bread and butter?" What one product or service provides you with the majority of your business profit?

Unfortunately, most business owners can not answer that question. They did not define their core product or service and target market when they started, and end up doing a little bit of everything, and nothing well.

Or, they focus most of their time on a product or service line that they like, without knowing whether it actually is their most profitable.

Fortunately, there is an easy fix for this problem.

You have to determine your gross profit margin from each of your product lines or services. Get together with your accountant, and figure out what you need to do to separate your revenue and expenses by the major product lines of your business. Then, you can find out …

Healthy Weight Loss – 10 Tips to Grocery Shop For Health and Saving Money

The money which we spend on the groceries have doubled and tripled over the last few years. Therefore, it is very important for us to do our grocery shopping smartly. In this article we will provide you with the information to help you with your healthy weight loss plans along with saving you money at the same time.

Many people are of the misconception that shopping for healthy food is more expensive. With proper informed choices, you can actually save money while purchasing the healthy food. Healthy food is the core component of any weight loss program.

The belief about healthy food being expensive is absolutely not true. With a little bit of planning you can save considerable amount of money with the groceries which you use and take care of your health simultaneously.

Although experts recommend a long list of necessary tips to grocery shop for health and saving money, 10 most important tips are as follows: –

1) Plan: Make a detailed shopping list before you hit the grocery shop. If you want to experience positive results in your healthy weight loss regime, planning is extremely necessary. You will not be buying the tempting foods by doing so. Strictly go by the shopping list and make all the purchases accordingly. This alone saves a lot of money as it stops impulse purchases. Also shop only once a week with your menus planned out, that way you have what you need AND you have not bought junk foods to tempt you.

2) Utilize the sales and offers: You might need to make some extra space in your kitchen cabinet for the sales items when you get good deals. It is a good idea to stock up healthy food when you get them on good offers. If these are the foods you use on your nutritional program, then purchases make sense.

3) Eat before you shop: It may sound a little funny but if you are hungry, you tend to buy a lot of unnecessary things. You could eat low calorie food before leaving for supplies in order to stop that kind of craving. This is a big must for success.

4) Buy low calorie food: You’ll need to make a list of low calorie food and snacks that keep you on program, healthy and satisfied.

5) Pack your lunch for their offices: You can cook at home or use the leftovers for lunch in your office instead of buying from the cafeteria. This is a perfect example for eating healthy food and saving money at the same time. Over time you lose a lot of weight and save money you can use elsewhere.

6) Think of fresh foods whenever possible: Buying once a week, organic if possible, fresh fruits and vegetables will lead to healthier eating. Try to buy local grown when possible. Yes, canned and frozen foods are cheaper than fresh ones but when available much more healthy and tasty too. NO preservatives and unneeded chemicals, especially salts.…

Making Money Online Demystified

Starting an online business is just like starting a traditional business. You have to invest in time and money. Just like traditional businesses some online businesses end up being failures. Success is not an overnight process and there is no guarantee that everyone will have the same success. Anything can be sold on the internet. The net is the most cost-efficient, instantaneous, exciting and effective way of marketing products and services around the globe through modern telecommunications.

Attributes that have made entrepreneurs succeed in the traditional business also apply to online business. Every successful business starts with a good plan. Online business is no exception. Entrepreneurs who succeed are those who take calculated risks. Perseverance is also a necessary attribute. Some people have quit when they are on the verge of success

In all life situations success comes when there is desire to achieve the goals set. Desire can only come about if one can clearly identify the benefits and rewards resulting from achieving the goals. The internet has enabled people to fulfill their desires of becoming their own bosses and becoming rich.

The internet is now full of the dot-coms and most of these promising riches within few days if not hours without much effort from you. Some of these gurus promise you that you become rich while doing nothing. This is a lie because the same gurus spend sleepless nights working on the products they sale you. The truth is that for any business to succeed there should be some investment in time and money. Above all you should provide a unique service. If you do not have the time you pay other people to do it. . There are no big secrets to making money. There is no need to try to reinvent the wheel is, just look at what other people are doing and do it differently. The key to internet business success is marketing the product effectively

Time

Initially time will be spent on planning. You have to decide on the type of online business to start. Like the traditional business this may take some time because there maybe some need of research. You may need to spend at least two hours a day attending to your business, when the website is up and running. The time spent is dependent on the type of business chosen and the tools at your disposal.

Money

Money is one of the main requirements of any business start-up. One of the advantages of starting an online business is that it has lower start-up costs compared to the traditional business. The main costs are for domain name registration, website, hosting fees and advertising. The most expensive part of advertising is generating traffic to the website. I believe internet marketing is the key to internet success, especially if you have limited resources

Affiliates

Affiliate programs are the best option to start online if one does not have sufficient time, finances and expertise on internet business. The risk is minimal

Because of …

Doing Business in Vietnam – Minimizing the Language Barriers With English, Chinese and Vietnamese

For many companies outside of Vietnam, doing business in Vietnam is like a gold mine which is loaded with business opportunities. Many companies aspire to tap on this raising Asian market to increase the returns of their business. Vietnam is a favourable destination for business because of the large size of the Vietnamese market itself, increasing purchasing power of the Vietnamese and its ideal geographical location. Other reasons include low labour costs and established political stability. As with all international dealings, companies doing business with Vietnam may find some challenges. One such clear challenge is the language barrier.

No doubt English is the official working language in Vietnam, it is but true that only very few Vietnamese actually speak it. Almost 90{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} of the Vietnamese populations speaks Vietnamese while the rest speak either Chinese or both Chinese and Vietnamese. English sufficient enough to conduct business is largely only spoken by foreign-educated Vietnamese professionals who may have obtained even higher degrees from other English-speaking nations. While it may not be difficult to go about with daily routine speaking English, this poses as a problem when engaging clients and businesses in Vietnam in Business English. Much of the understanding of the Vietnamese society comes about by understanding what lies between the lines. These lines can only be understood with a basic knowledge of the local language.

As such, the language barrier between English, Chinese and Vietnamese needs to be minimized. This is where multilingual B2B websites come into play. Multilingual websites have been introduced primarily for reducing the language barriers between local Vietnam suppliers and manufacturers and global companies wanting to trade with them. One such multilingual B2B website which helps to minimize the language barrier is Vigogo. The large trading platform allows users to instantly switch into English, Chinese and Vietnamese. This allows Vietnam suppliers to reach out to a large consumer than suppliers on a monolingual English only B2B site would be able to.…

Welding Jobs: Ideas You Can Use At Home To Make Money Welding (No Boss While You Make $100,000)

What if you could make $100,000 a year welding from home?

What if you could make even an extra $500 a month from home, using your current skills? If you are a welder with basic welding skills and you are between jobs or you are being under paid in your current job, it might be worth your time to read this article – let’s think outside the box for just a minute on how you can make money welding from home.

From Home Welding # 1:

Teaching or tutoring any skill is a very profitable business. In any town of any size you’ll see at least one tutoring business in a strip mall brick and mortar location. In that same town will be at least a dozen other tutors working from home, making good money.

Yes, most of the time they are tutoring math and reading to students. Lean back and think about what skills you have that can also be used in a tutoring business you can set up and milk cash from, like milk from a cow.

Let’s say you are good enough with TIG to weld razor blades or pop can butts.

If you can teach a non welder to operate a TIG torch good enough to go on and practice on their own at their home in about 3 hours of your hands on theirs – they will pay up to $100 an hour for 3 hours of TIG instruction. Just 2 students a day would bring you $100,000 a year. If you think I’m kidding I’m NOT! There are many reasons why education is so valuable – and that includes intense, focused tutoring in welding.

6G pipe welding is the highest paid of all welding certifications – most 6G welders make $100k to $300k a year – and demand is crazy. However, if you are a 6G welder and you want to stay home, you can set up and teach 6G in your garage. Let’s say you do this with 7 students, each paying you $10,000 for a 3 month course. Yes, they will pay it – especially if you show them how they will have more time with your hand on theirs (the #1 secret to learning 6G fast).

From Home Welding # 2:

I was in Palm Springs the other day. I have been in and around the trades for 30 years… and when you see a tradesman’s truck and it is late model without dents or many scratches, clean, organized and well equipped, it means (99{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} of the time) that guy is making money.

I pulled up to a light behind just such a truck – “Joe’s BBQ Service and Repair.” That’s it – that is all Joe does. He will weld cast aluminum or steel. He’ll clean and polish. He’ll replace a burner or a control. OR he’ll buy your old unit and sell / or sell you a new one.

Yes, you need a town with a lot of high …

Why Do We Need Personal Development to Be Successful?

In order to really answer that, we need to define what we mean by personal development. In my opinion, personal development is:

  • Growth as a conscious human being
  • Activities that improve self-knowledge and identity
  • Development of talents and potential
  • Development in different areas of life
  • Building of human capital and employability
  • Enhancing the quality of life
  • Contributing to the realization of dreams and aspirations
  • Is not limited to self-development but includes formal and informal activities for developing others
  • In the context of institutions, it refers to the methods, programs, tools, techniques, and assessment systems that support human development at the individual level in organizations
  • (hard) work that requires discipline, determination, consistency, patience, time, courage, forgiveness

Let’s then take a closer look at some of these bullet points in correlation to success.

Improving your self-knowledge and identity means, among other things, that you become more aware of who you are and what you want. Knowing what you want and where you need to improve yourself in order to achieve what you want are essential parts of success.

If you have already achieved success you cannot stay put if you want to remain successful. The world and other people around you are constantly evolving; therefore you need to keep on developing your talents and potential further. Otherwise your success will remain short term.

Depending on your goals, you need constant development in different areas of your life, not just in one. Some of these areas might include health, finances, relationships, emotions, habits and beliefs, to mention a few. A good health will ensure that you are able to do what you want to do. It is obvious that you can do a lot more as a healthy person than you would lying sick on a bed. It is obvious, in most cases, that you can achieve more and free yourself from some of the worries when your financial situation is stable. It is obvious that you can achieve more when you have sound relationships with supporting and loving people to back you up. And so on.

Having activities for developing others, in addition to developing yourself, is really what gives you the final boost for success. The old saying “what goes around, comes around” applies here quite well. Helping other people succeed will ensure that they willingly help you in return. It is much, much more difficult – and in most cases even impossible – to achieve success just by yourself. You can’t be the master of everything. And you shouldn’t even try to be. Concentrate on doing well what you love doing and let other people help you in the areas that they love doing. Help others develop themselves and they will help you develop yourself. That is for everybody’s benefit.

Finally, understand that long lasting success does require work. At times, it can even seem to require hard work. But once you have found what it is that you truly love doing, the work doesn’t seem that hard anymore. But …