Month: July 2018
Updated on November 10, 2017 by admin
With inflation and food prices rising, saving money grocery shopping can seem like an uphill battle. However, there are certainly a few key tips you can use to make sure you stick within your budget with money to spare. Here are 5 of the best tips for saving money at the grocery store…
1. Stick to the Perimeters
Healthy eaters already know that the perimeters of the store are the places to be, but this applies double to people trying to save money grocery shopping! Instead of cruising the center aisles for pre-packaged and processed items, stick to the sections on the outer edges of the store where raw or unprepared ingredients are sold. These include the produce section, the meat counter, the bakery, and the dairy.
2. Don’t Shop Hungry!
I’ve worked at a grocery store, and I can’t remember how many times I’ve heard shoppers say, “I shouldn’t have come here hungry!” Make sure you have a full stomach when you go to the grocery store, so you don’t end up shopping with your appetite instead of your brain. You’ll avoid impulsively buying tasty-looking items that you don’t really need.
3. Sales, not Coupons
Clipping coupons is fine if you have the extra time, but it’s not nearly as good for saving money grocery shopping as simply looking out for sales. You can save 30, 40, and even 50 percent on your grocery bill if you stick to buying the produce items and cuts of meat that are on sale that week. If you eat a lot of meat or fish, ask your butcher about upcoming sales so you can plan your meals accordingly.
4. Buy in Season
In the age of preservatives and quick transportation, you can get almost any fruit or vegetable year-round. However, that doesn’t mean you should! If you want veggies that are both delicious and affordable, learn the basics on seasonal produce and shop accordingly. You’ll end up with more delicious fruits and veggies, as well, since stuff that’s grown closer to home has more time to mature on the vine, in the ground, or on the tree.
5. Be Flexible
Most people trying to save money on grocery shopping make a list and rigidly stick to it every time they go shopping. This discipline is all well and good, but it may not be necessary. As long as you have a basic but flexible list of the things you need and the meals you want to make, you’ll avoid making impulse buys. You should remain flexible on the details to take advantage of sales you see when you arrive at the store. Just because you have ground beef on your list doesn’t mean you can’t take advantage of the 3.99 per pound sirloin steak sale!…
Updated on December 1, 2017 by admin
Do we really require rental car insurance? This question may evoke laughter since most of us do not understand the necessity of doing so. Well, lots of people are not quite sure about the answer. However, a car is a car and it is sentenced to accidents whether it's rented or not. We can not belittle the issue and it is a fact that rental car insurance is necessary.
Let's delve into the issue. Perhaps there is no person who finds traveling repugnant as it is both a great source of fun and education, especially for students, researchers and also holiday travelers. As people travel, they looking forward to have some rest, recreation and have novel experience.
In the majority of these cases rental cars are used because few travelers dare to visit far off lands with personal cars. What may happen if the rental car (owed to great misfortune) meets any accident? Will you, if you have rented, pay up the damage and also other major loses? How can you handle with this reality? There is perhaps no other way other than car rental insurance.
Go to relevant websites relating car insurance, if you are still skeptical. Only a very few of these insurers provide policies that do cover rental cars. Even though a personal personal policies cover injury to a rental car and credit cards may also go together with accident insurance, rental car insurance seems to be the best since it helps the insured person to steer clear of any hassle.
Why do not we focus on some specific reasons? Only a very few policies do cover car rentals outside the realm of US. Remember, you have to compensate the damages in the absence of rental car insurance anywhere in the world even though you make use of the cars of the same rental company back home.
As per information, premium credit cards generally prefer secondary accident coverage. There are very few instances when a credit card that brings forth primary accident coverage can be found. The most potent difference is that a secondary insurer pays the individual only after he has filed claims with a primary insurer. Even if you consider rental car insurance a hassle, this will make you free from meeting larger hassles in future.
Customer service is one more important word and the customers must believe it to be an important point in choosing a company. There are lots of companies that supply the best customer support. There are also aid lines which the customers can call up and ask their questions. …
Updated on December 1, 2017 by admin
If you have ever had the experience of living paycheck to paycheck and wondering how you will ever pay your bills, you have certainly learned a lesson or two at the school of hard knocks. Why would you want your children to learn those lessons the hard way too? Sure, your kids can learn about money by playing a dozen different computer or board games, like Monopoly and Life, but none of those are best suited for teaching your children about money. The best money game for children is definitely real life.
Growing up, the most you learned about money and investing was probably playing Monopoly with Mom and Dad. You probably had a great time purchasing real estate, houses, hotels, and collecting rent. Then an hour into the game, you or one of the other players probably went bankrupt. We've all won and lost at the game of Monopoly, but it's just not the same when these financial ups and downs happen in real life. A board game will not prepare your kids for the real world.
The best, and only, money game for children that will ever teach your kids how to properly deal with money and stay out of a financial mess as an adult is real life. Children as young as four are old enough to understand money concepts. What your children learn from real life money experiences will only translate positively to their financial experiences as adults. Something as simple as a child doing household chores for an allowance to save up for a privileged video game or other item will teach them in leaps and bounds. This respect for learning and saving will only translate into a good work ethical and the likelihood of fiscal responsibility.
Go ahead and teach your children that money is a tool that is most effective when managed and used properly. Let them learn and understand that money is an essential tool that can help them build up their lives. As your child earns an allowance, let him make his own financial mistakes and learn from them while he is still young. Making such mistakes at the age of five and learning from them will probably prevent similar errors when he is twenty-five. …
Updated on November 10, 2017 by admin
Do you want to earn money faster and easier? I came across the best way of doing both. It is a program that is easy to follow and the outcome is tremendous. Crash Course is a program that teaches you step by step to finding the financial freedom you’ve always dreamed
about. It allows you to earn as much as you’d like to, and decide how many hours a day you want to work. No deadlines, no boss questioning your every thought or decision. With Crash Course you are the boss, and every decision is yours.
Whether you want to make a little, enough to get by or enough to retire early is up to you. no more long hours or working late,wake up when you want or quit at any point of the day. This program even teaches you how to make money while your sleeping. Now tell me you would turn down cash even if it were in a dream?
This is not a dream, and I guarantee you will not regret reaching the financial freedom you get from crash course. This is not a scam, pyramid scheme or anything other then your insight into making money fast and easy, and better yet from your own home. Spend more time with your family, take the vacations you only spoke of as “what if.” Do all this without having to ask for time off, or wondering how to budget vacations in.
Crash Course instructs you step by step as if through the process they were holding your hand through it. One of the best parts is that as you start off you make money while your taking in knowledge of how the business works and what the tricks of the trades are. Doubling or even triple your income. I was not a computer genius before nor am I now, but with this program you don’t have to be. The program instructs you so well in very little time you could teach your children, parents or even friends how to do it.
When I first learned about Crash Course I was skeptical, thinking ah its just another scam or scheme. after dwelling on it I took a chance. for he low cost refund guarantee i figured you know what if they refund it and all there success stories are being told its worth a shot. Now here I am no longer the busy maintenance man, father of four young kids, always stressed out guy. I stand before you proud father of four, home business owner who is ready to go on vacation next week, without a hurry back date or budget for the vacation.
Please believe me when I say Crash Course truly opened a world of success for me and my family and I highly recommend it for the person who is tired of being paid average or living an average life. Invest in it and success is inevitable for you and the ones you love.…
Updated on December 1, 2017 by admin
Business loans refer to the transfer of funds from a lender, usually a financial institution, to a borrower. In this case, the borrowers are businesses and the financial institutions are banks. The interest to be paid and the schedule of repayment are decided by the bankers and the borrower agrees to those terms. Lenders may offer unsecured or secured loans. Secured loans require collateral, which are generally personal assets, such as the home of the borrower. However, when talking about business loans, collateral is something owned by the business – machinery, real estate,
There are many reasons for businesses to get a loan. Some may require additional funds for the expansion of the business, or offering additional services, while others would need funds for making various small or big purchases. Lenders take quite a few factors into consideration while extending these loans. First, they would check the credit worthiness of the business. They would also evaluate how far the business has been successful and the likelihood of its being profitable. Procuring loans for a new company is indeed very challenging, and the credit history of the individual borrower is almost the sole criteria for taking the decision.
As the lender would naturally like to ensure that the borrower has the capacity to pay back the borrowed money, the borrowers need to fulfill some very strict prerequisites for availing the loans.
If the risks connected with the loan are rather high, it is generally a better option to seek investors from within the family or the social circle that could lend money or buy a part of the business. Banks are certainly not keen to offer loans carrying a high risk. Small businesses needing smaller loans could check with government sources that lend money, or other companies offering micro-loans, as their perquisites for extending loans are not so tough.
Businesses that get loans at the time of getting started have the advantage of building their credit history as the business grows. As in case of personal loans, businesses too must ensure to pay back the borrowed funds within the stipulated time. Failure to make timely payments harms the credit history of the business, making it difficult to procure any business loans in the future. Banks plus other lending institutions not only consider the credit rating of the business, but also its profits in the past as well as the profit the business is likely to make when being granted the loan.
As far as the citizens of the US are concerned, those that are looking for loans in order to start a new business or continuing with the present one should look into a good source before approaching any banks. The US Small Business Administration is a government body that provides financial support to small business. Though everybody may not be granted help via this program, one should certainly make a sincere effort and try, as the loans available under this program carry a lower rate of interest, and the terms …
Updated on November 10, 2017 by admin
Recently a friend of mine, who is also a member of an active discussion group to which I belong, asked us all for advice. He had a contract for a three-week school program for which he planned to take off time from his regular employment. What he hadn’t known at the time the three-week commitment was made was that he would be receiving a promotion in the company of his regular employ that would not only mean a better income for him and his family, but also many more hours of work and no chance of being able to take off three weeks.
He felt terrible and guilty, but knew that he would have to “face the music” so to speak. He found a fine substitute for his program and then contacted the teacher with whom he had made his initial contract and was dismayed by her reaction to his dilemma. As you might imagine, this well meaning man stirred up a variety of feelings among the discussion group members.
The numerous interchanges made me consider what went wrong and what might have been a more workable solution. But, most of all, it reinforced the importance of realizing that there are three sides to every situation – my side, your side, and the real side, somewhere in the middle. Following are some of my thoughts and opinions on ways to handle sticky situations with clients – and all others, for that matter.
Start by dealing with your emotions. When the teacher was informed of the change, it appears that she overreacted and sent my friend an e-mail accusing him of “non-professional” behavior. This is when he overreacted and told us all the story, including references to “sleepless nights” his “22 days and nights” working away from his family due to the extra work of the new position. Now, I am not passing any judgment because I only heard one side of the story.
Many others in our group, however, reacted – because they respect and know my friend well – with a number of critical remarks about the unreasonable and “hardened” teacher. Then a couple of group members tried to look at the whole situation from the teacher’s point of view, and everyone became even more emotional. It is so natural for us to let feelings – especially if we have a passion for what we do – take over. This whole scenario caused angry words among the members of our usually congenial group. And, it most certainly didn’t solve anyone’s problems.
Many in our group condemned the teacher and suggested that my friend talk to the principal. Personally, I felt that this might worsen what was already a far from perfect solution. I guess that I might have apologized profusely to the teacher in question – even in person – and admitted that I was the one in the wrong.
I realize that we all have our side of the story. Yet, if we take time to put ourselves …
Updated on November 10, 2017 by admin
I was just eavesdropping in on someone’s conversation this morning who just started their own painting business but complains that it is a bit slow. Someone else remarked saying that “they didn’t want to burst their bubble but painting is seasonal”.
Well, I WOULD like to burst that guy’s bubble and say, “No, painting is not seasonal. Only the type of painting you do can be classified as seasonal”. Yes, EXTERIOR painting is seasonal from spring until fall unless of course you live in a warmer climate.
But other types of painting like faux painting, mural painting, interior painting for residential, commercial and industrial are year round markets you can stay busy in.
As a matter of fact, when I first started my painting business, it was in the early fall. I found residential work all the way through the winter – even the toughest part, the time between Thanksgiving and Christmas. Not too bad I guess for my first year starting out.
Look at it this way, if running a painting business was seasonal then all painting companies (big, medium-size and smaller ones) would only be able to work half the year. Paint stores might as well shut down for the winter as well. Even window washing isn’t seasonal no matter how cold it gets.
If you don’t want to do interior painting and just want to be an exterior house painter then yeah, it’s seasonal. You just need to find a winter service like snow plowing or something. But if you want work all year long there is plenty of it.
If you are serious about operating a successful, painting business that stays busy year round, you are going to need to know how to run the business end of it successfully as well as the painting end. Having a business partner for this could be an advantage for you.
Two important secrets to running a successful painting business are advertising and doing accurate estimates. Get these two things right and the rest of it pretty much falls in place.
Some companies focus more on doing commercial and industrial painting and some specialize more in the residential and smaller commercial painting markets.
Once you decide if you are going to want or need a reliable business partner, employees and which painting markets you want to capture, you can then focus on your marketing better.
I read about one large painting contractor in the Chicago area that decided to focus on the commercial and industrial painting markets. He found out quickly that these two markets have deep pockets.
Of course with this type of painting you will have to buy some serious painting equipment. And you will need an experienced crew that is used to commercial and industrial painting.
Is this type of painting seasonal? They might slow a down a bit during the winter but then again there is plenty of large interior projects all year round. If anything were seasonable about the painting trade it would only …
Updated on December 1, 2017 by admin
Now there is a new technology that allows you to trade stuff online without the exchange of money. Did you ever wonder if you can go online and trade that old video game that you never use for something that you can put to good use, for free?
Imagine being able to trade those shoes that you never wore, that shirt that you received as a gift but did not really like. Now you can trade anything for anything else of interest, with no money involved. That's something new to me!
There are multiple websites where you can trade stuff online, but mostly it is money based and in order to get stuff, you have to pay. Little by little, there are websites popping up that will allow you to trade one item for another without the exchange of money. Each person would have to arrange their own shipping.
You ever hear of oneredpaperclip.com? It is a story where a guy started with one red paperclip and by trading it for something better, like a pen, he was able to trade the pen for something even better. Then he kept trading things for better stuff until he reached a point where he was trading pretty valuable stuff. For Free! Soon he's on his way to trading it for a house. He stated that that is his goal.
You do not have to reach for that same goal to benefit. You can simply find that certain stuff that you're looking for. Let's see, I can think of many things lying around my house that I would love to trade for other items, especially if it's free.
I would also love to hear what stuff you have to trade with me. It's like having two garage sales but instead of money, one person trades stuff from their garage sale for stuff from the other person's garage sale. I think that both people will be happy with their trade.
Being able to trade stuff for no money is very powerful. Although you may not want certain stuff. Someone out there would love to have it. And they may have something that you want in exchange.
Imagine if you can trade what you do not want for something you do want. The possibilities are endless. Anytime you have stuff you do not want, simply trade it. That would make the economy better if you ask me. Unwanted stuff will become "money" in a sense because it can be used to trade for other wanted stuff. …
Updated on November 10, 2017 by admin
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 …
Updated on December 1, 2017 by admin
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.…
Month: July 2018
Saving Money Grocery Shopping: 5 Tips To Keep Your Wallet In Once Piece
Updated on November 10, 2017 by admin
With inflation and food prices rising, saving money grocery shopping can seem like an uphill battle. However, there are certainly a few key tips you can use to make sure you stick within your budget with money to spare. Here are 5 of the best tips for saving money at the grocery store…
1. Stick to the Perimeters
Healthy eaters already know that the perimeters of the store are the places to be, but this applies double to people trying to save money grocery shopping! Instead of cruising the center aisles for pre-packaged and processed items, stick to the sections on the outer edges of the store where raw or unprepared ingredients are sold. These include the produce section, the meat counter, the bakery, and the dairy.
2. Don’t Shop Hungry!
I’ve worked at a grocery store, and I can’t remember how many times I’ve heard shoppers say, “I shouldn’t have come here hungry!” Make sure you have a full stomach when you go to the grocery store, so you don’t end up shopping with your appetite instead of your brain. You’ll avoid impulsively buying tasty-looking items that you don’t really need.
3. Sales, not Coupons
Clipping coupons is fine if you have the extra time, but it’s not nearly as good for saving money grocery shopping as simply looking out for sales. You can save 30, 40, and even 50 percent on your grocery bill if you stick to buying the produce items and cuts of meat that are on sale that week. If you eat a lot of meat or fish, ask your butcher about upcoming sales so you can plan your meals accordingly.
4. Buy in Season
In the age of preservatives and quick transportation, you can get almost any fruit or vegetable year-round. However, that doesn’t mean you should! If you want veggies that are both delicious and affordable, learn the basics on seasonal produce and shop accordingly. You’ll end up with more delicious fruits and veggies, as well, since stuff that’s grown closer to home has more time to mature on the vine, in the ground, or on the tree.
5. Be Flexible
Most people trying to save money on grocery shopping make a list and rigidly stick to it every time they go shopping. This discipline is all well and good, but it may not be necessary. As long as you have a basic but flexible list of the things you need and the meals you want to make, you’ll avoid making impulse buys. You should remain flexible on the details to take advantage of sales you see when you arrive at the store. Just because you have ground beef on your list doesn’t mean you can’t take advantage of the 3.99 per pound sirloin steak sale!…
Category: money Tags: Business, Finance, insurance, Money , personal
Why Do We Need Rental Car Insurance?
Updated on December 1, 2017 by admin
Do we really require rental car insurance? This question may evoke laughter since most of us do not understand the necessity of doing so. Well, lots of people are not quite sure about the answer. However, a car is a car and it is sentenced to accidents whether it's rented or not. We can not belittle the issue and it is a fact that rental car insurance is necessary.
Let's delve into the issue. Perhaps there is no person who finds traveling repugnant as it is both a great source of fun and education, especially for students, researchers and also holiday travelers. As people travel, they looking forward to have some rest, recreation and have novel experience.
In the majority of these cases rental cars are used because few travelers dare to visit far off lands with personal cars. What may happen if the rental car (owed to great misfortune) meets any accident? Will you, if you have rented, pay up the damage and also other major loses? How can you handle with this reality? There is perhaps no other way other than car rental insurance.
Go to relevant websites relating car insurance, if you are still skeptical. Only a very few of these insurers provide policies that do cover rental cars. Even though a personal personal policies cover injury to a rental car and credit cards may also go together with accident insurance, rental car insurance seems to be the best since it helps the insured person to steer clear of any hassle.
Why do not we focus on some specific reasons? Only a very few policies do cover car rentals outside the realm of US. Remember, you have to compensate the damages in the absence of rental car insurance anywhere in the world even though you make use of the cars of the same rental company back home.
As per information, premium credit cards generally prefer secondary accident coverage. There are very few instances when a credit card that brings forth primary accident coverage can be found. The most potent difference is that a secondary insurer pays the individual only after he has filed claims with a primary insurer. Even if you consider rental car insurance a hassle, this will make you free from meeting larger hassles in future.
Customer service is one more important word and the customers must believe it to be an important point in choosing a company. There are lots of companies that supply the best customer support. There are also aid lines which the customers can call up and ask their questions. …
Category: insurance, personal Tags: Business, Finance, insurance, Money , personal
The Best Money Game For Kids
Updated on December 1, 2017 by admin
If you have ever had the experience of living paycheck to paycheck and wondering how you will ever pay your bills, you have certainly learned a lesson or two at the school of hard knocks. Why would you want your children to learn those lessons the hard way too? Sure, your kids can learn about money by playing a dozen different computer or board games, like Monopoly and Life, but none of those are best suited for teaching your children about money. The best money game for children is definitely real life.
Growing up, the most you learned about money and investing was probably playing Monopoly with Mom and Dad. You probably had a great time purchasing real estate, houses, hotels, and collecting rent. Then an hour into the game, you or one of the other players probably went bankrupt. We've all won and lost at the game of Monopoly, but it's just not the same when these financial ups and downs happen in real life. A board game will not prepare your kids for the real world.
The best, and only, money game for children that will ever teach your kids how to properly deal with money and stay out of a financial mess as an adult is real life. Children as young as four are old enough to understand money concepts. What your children learn from real life money experiences will only translate positively to their financial experiences as adults. Something as simple as a child doing household chores for an allowance to save up for a privileged video game or other item will teach them in leaps and bounds. This respect for learning and saving will only translate into a good work ethical and the likelihood of fiscal responsibility.
Go ahead and teach your children that money is a tool that is most effective when managed and used properly. Let them learn and understand that money is an essential tool that can help them build up their lives. As your child earns an allowance, let him make his own financial mistakes and learn from them while he is still young. Making such mistakes at the age of five and learning from them will probably prevent similar errors when he is twenty-five. …
Category: money Tags: Business, Finance, insurance, Money , personal
Make Money Easy and Fast From Home
Updated on November 10, 2017 by admin
Do you want to earn money faster and easier? I came across the best way of doing both. It is a program that is easy to follow and the outcome is tremendous. Crash Course is a program that teaches you step by step to finding the financial freedom you’ve always dreamed
about. It allows you to earn as much as you’d like to, and decide how many hours a day you want to work. No deadlines, no boss questioning your every thought or decision. With Crash Course you are the boss, and every decision is yours.
Whether you want to make a little, enough to get by or enough to retire early is up to you. no more long hours or working late,wake up when you want or quit at any point of the day. This program even teaches you how to make money while your sleeping. Now tell me you would turn down cash even if it were in a dream?
This is not a dream, and I guarantee you will not regret reaching the financial freedom you get from crash course. This is not a scam, pyramid scheme or anything other then your insight into making money fast and easy, and better yet from your own home. Spend more time with your family, take the vacations you only spoke of as “what if.” Do all this without having to ask for time off, or wondering how to budget vacations in.
Crash Course instructs you step by step as if through the process they were holding your hand through it. One of the best parts is that as you start off you make money while your taking in knowledge of how the business works and what the tricks of the trades are. Doubling or even triple your income. I was not a computer genius before nor am I now, but with this program you don’t have to be. The program instructs you so well in very little time you could teach your children, parents or even friends how to do it.
When I first learned about Crash Course I was skeptical, thinking ah its just another scam or scheme. after dwelling on it I took a chance. for he low cost refund guarantee i figured you know what if they refund it and all there success stories are being told its worth a shot. Now here I am no longer the busy maintenance man, father of four young kids, always stressed out guy. I stand before you proud father of four, home business owner who is ready to go on vacation next week, without a hurry back date or budget for the vacation.
Please believe me when I say Crash Course truly opened a world of success for me and my family and I highly recommend it for the person who is tired of being paid average or living an average life. Invest in it and success is inevitable for you and the ones you love.…
Category: business, money Tags: Business, Finance, insurance, Money , personal
Introduction to Business Loans
Updated on December 1, 2017 by admin
Business loans refer to the transfer of funds from a lender, usually a financial institution, to a borrower. In this case, the borrowers are businesses and the financial institutions are banks. The interest to be paid and the schedule of repayment are decided by the bankers and the borrower agrees to those terms. Lenders may offer unsecured or secured loans. Secured loans require collateral, which are generally personal assets, such as the home of the borrower. However, when talking about business loans, collateral is something owned by the business – machinery, real estate,
There are many reasons for businesses to get a loan. Some may require additional funds for the expansion of the business, or offering additional services, while others would need funds for making various small or big purchases. Lenders take quite a few factors into consideration while extending these loans. First, they would check the credit worthiness of the business. They would also evaluate how far the business has been successful and the likelihood of its being profitable. Procuring loans for a new company is indeed very challenging, and the credit history of the individual borrower is almost the sole criteria for taking the decision.
As the lender would naturally like to ensure that the borrower has the capacity to pay back the borrowed money, the borrowers need to fulfill some very strict prerequisites for availing the loans.
If the risks connected with the loan are rather high, it is generally a better option to seek investors from within the family or the social circle that could lend money or buy a part of the business. Banks are certainly not keen to offer loans carrying a high risk. Small businesses needing smaller loans could check with government sources that lend money, or other companies offering micro-loans, as their perquisites for extending loans are not so tough.
Businesses that get loans at the time of getting started have the advantage of building their credit history as the business grows. As in case of personal loans, businesses too must ensure to pay back the borrowed funds within the stipulated time. Failure to make timely payments harms the credit history of the business, making it difficult to procure any business loans in the future. Banks plus other lending institutions not only consider the credit rating of the business, but also its profits in the past as well as the profit the business is likely to make when being granted the loan.
As far as the citizens of the US are concerned, those that are looking for loans in order to start a new business or continuing with the present one should look into a good source before approaching any banks. The US Small Business Administration is a government body that provides financial support to small business. Though everybody may not be granted help via this program, one should certainly make a sincere effort and try, as the loans available under this program carry a lower rate of interest, and the terms …
Category: business, money, personal Tags: Business, Finance, insurance, Money , personal
Business Relationship Building – Handling "Sticky" Situations with Clients and Peers
Updated on November 10, 2017 by admin
Recently a friend of mine, who is also a member of an active discussion group to which I belong, asked us all for advice. He had a contract for a three-week school program for which he planned to take off time from his regular employment. What he hadn’t known at the time the three-week commitment was made was that he would be receiving a promotion in the company of his regular employ that would not only mean a better income for him and his family, but also many more hours of work and no chance of being able to take off three weeks.
He felt terrible and guilty, but knew that he would have to “face the music” so to speak. He found a fine substitute for his program and then contacted the teacher with whom he had made his initial contract and was dismayed by her reaction to his dilemma. As you might imagine, this well meaning man stirred up a variety of feelings among the discussion group members.
The numerous interchanges made me consider what went wrong and what might have been a more workable solution. But, most of all, it reinforced the importance of realizing that there are three sides to every situation – my side, your side, and the real side, somewhere in the middle. Following are some of my thoughts and opinions on ways to handle sticky situations with clients – and all others, for that matter.
Start by dealing with your emotions. When the teacher was informed of the change, it appears that she overreacted and sent my friend an e-mail accusing him of “non-professional” behavior. This is when he overreacted and told us all the story, including references to “sleepless nights” his “22 days and nights” working away from his family due to the extra work of the new position. Now, I am not passing any judgment because I only heard one side of the story.
Many others in our group, however, reacted – because they respect and know my friend well – with a number of critical remarks about the unreasonable and “hardened” teacher. Then a couple of group members tried to look at the whole situation from the teacher’s point of view, and everyone became even more emotional. It is so natural for us to let feelings – especially if we have a passion for what we do – take over. This whole scenario caused angry words among the members of our usually congenial group. And, it most certainly didn’t solve anyone’s problems.
Many in our group condemned the teacher and suggested that my friend talk to the principal. Personally, I felt that this might worsen what was already a far from perfect solution. I guess that I might have apologized profusely to the teacher in question – even in person – and admitted that I was the one in the wrong.
I realize that we all have our side of the story. Yet, if we take time to put ourselves …
Category: general Tags: Business, Finance, insurance, Money , personal
Is Running A Painting Business Seasonal?
Updated on November 10, 2017 by admin
I was just eavesdropping in on someone’s conversation this morning who just started their own painting business but complains that it is a bit slow. Someone else remarked saying that “they didn’t want to burst their bubble but painting is seasonal”.
Well, I WOULD like to burst that guy’s bubble and say, “No, painting is not seasonal. Only the type of painting you do can be classified as seasonal”. Yes, EXTERIOR painting is seasonal from spring until fall unless of course you live in a warmer climate.
But other types of painting like faux painting, mural painting, interior painting for residential, commercial and industrial are year round markets you can stay busy in.
As a matter of fact, when I first started my painting business, it was in the early fall. I found residential work all the way through the winter – even the toughest part, the time between Thanksgiving and Christmas. Not too bad I guess for my first year starting out.
Look at it this way, if running a painting business was seasonal then all painting companies (big, medium-size and smaller ones) would only be able to work half the year. Paint stores might as well shut down for the winter as well. Even window washing isn’t seasonal no matter how cold it gets.
If you don’t want to do interior painting and just want to be an exterior house painter then yeah, it’s seasonal. You just need to find a winter service like snow plowing or something. But if you want work all year long there is plenty of it.
If you are serious about operating a successful, painting business that stays busy year round, you are going to need to know how to run the business end of it successfully as well as the painting end. Having a business partner for this could be an advantage for you.
Two important secrets to running a successful painting business are advertising and doing accurate estimates. Get these two things right and the rest of it pretty much falls in place.
Some companies focus more on doing commercial and industrial painting and some specialize more in the residential and smaller commercial painting markets.
Once you decide if you are going to want or need a reliable business partner, employees and which painting markets you want to capture, you can then focus on your marketing better.
I read about one large painting contractor in the Chicago area that decided to focus on the commercial and industrial painting markets. He found out quickly that these two markets have deep pockets.
Of course with this type of painting you will have to buy some serious painting equipment. And you will need an experienced crew that is used to commercial and industrial painting.
Is this type of painting seasonal? They might slow a down a bit during the winter but then again there is plenty of large interior projects all year round. If anything were seasonable about the painting trade it would only …
Category: business, money Tags: Business, Finance, insurance, Money , personal
Trade Stuff Online – No Money Involved
Updated on December 1, 2017 by admin
Now there is a new technology that allows you to trade stuff online without the exchange of money. Did you ever wonder if you can go online and trade that old video game that you never use for something that you can put to good use, for free?
Imagine being able to trade those shoes that you never wore, that shirt that you received as a gift but did not really like. Now you can trade anything for anything else of interest, with no money involved. That's something new to me!
There are multiple websites where you can trade stuff online, but mostly it is money based and in order to get stuff, you have to pay. Little by little, there are websites popping up that will allow you to trade one item for another without the exchange of money. Each person would have to arrange their own shipping.
You ever hear of oneredpaperclip.com? It is a story where a guy started with one red paperclip and by trading it for something better, like a pen, he was able to trade the pen for something even better. Then he kept trading things for better stuff until he reached a point where he was trading pretty valuable stuff. For Free! Soon he's on his way to trading it for a house. He stated that that is his goal.
You do not have to reach for that same goal to benefit. You can simply find that certain stuff that you're looking for. Let's see, I can think of many things lying around my house that I would love to trade for other items, especially if it's free.
I would also love to hear what stuff you have to trade with me. It's like having two garage sales but instead of money, one person trades stuff from their garage sale for stuff from the other person's garage sale. I think that both people will be happy with their trade.
Being able to trade stuff for no money is very powerful. Although you may not want certain stuff. Someone out there would love to have it. And they may have something that you want in exchange.
Imagine if you can trade what you do not want for something you do want. The possibilities are endless. Anytime you have stuff you do not want, simply trade it. That would make the economy better if you ask me. Unwanted stuff will become "money" in a sense because it can be used to trade for other wanted stuff. …
Category: money Tags: Business, Finance, insurance, Money , personal
How to Get Rich Buying Real Estate From Your Parents With No Money Down and No Credit
Updated on November 10, 2017 by admin
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 …
Category: insurance, money Tags: Business, Finance, insurance, Money , personal
How to Plan a Cruise Vacation
Updated on December 1, 2017 by admin
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.…
Category: money Tags: Business, Finance, insurance, Money , personal
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