After all is said and done, how much does your builder walk away with?

Do you wonder how a builder decides what to charge for a new home? You know that you pay for the lumber, carpet, fixtures and all the details, but how is the final price determined?

Buying a home requires a lot of money. The cost is based on many different factors, including the construction, land and the marketing and administrative costs for the builder. And of course, the net profit.

Does it sound any easier to understand?

Most builders will charge in a similar way. The construction of the house will account for approximately 50% of the base price of the home.

There are several costs within the construction factor. There are direct costs, which are the sticks and bricks. These are all of the materials that go into the home, from the lumber to concrete and windows to carpet.

The work is usually mostly provided by subcontractors hired by the builder.

Then there are construction labor costs. These are the costs associated with work performed by the builder’s employees. These go along with the indirect costs, which are usually performed by the builder’s employees. They include the correction work that is done to fix any mistakes by subcontractors.

You will also be charged the construction interest on the home. To finance the purchase of the lot and the cost of construction before you pay the builder, the builder takes out a bank loan. The cost of the loan, including all interest and fees, will be figured into the base price you pay.

The actual cost of the lot can be between 25% and 40% of the base price. With the cost of land constantly going up, especially near metro areas, the lot portion has increased over the years. Added to your land costs are any off-site improvements, such as water and sewer lines, street developments, curbing and paving and driveways and sidewalks.

Many builders offer a discount on the base price, often by paying for points at settlement, to encourage first-time buyers. A discounted home will often have construction costs that equal 50%, lot costs of 30%, a discount of 3% and a 17% gross profit.

Out of the gross profit, the builder deducts administrative costs, marketing costs and taxes.

If you choose options, you could add 10% to 30% to the base price.

Surprisingly, builders walk away with less profit than you would expect. Net profits on the sale of a home often ranges from 2% to 6%. In general, the larger the home, the higher the net.

You can easily find out the net profits for builders that are publicly traded companies. You simply have to read their annual reports.

When you are contemplating the building of a home, sometimes you should shop around a bit. Compare the costs for similar homes offered by different builders. Ask the builder how much of the cost is construction. They may or may not tell you. …

Do you want to know how to make money online?

Articles that make a list of things that people like to read, or like to know about.

“Listicles” is an amalgam of “articles” and “lists” to get “listicles”, get it?

Listicles!

For example:

1. The top 10 vacations spots On Earth.

2. 3 things you should never do on a date

3. 10 foods that stop the aging process

4. The top ten selling toys of all time

5. 7 ways to make new friends in 30 days or less

6. 3 ways to drive her crazy

7. 5 neat ways to make money online

8. The 10 best actors of all time

9. 50 ways to generate traffic to your website

For each article that lists certain things you have to list those things that the headline talks about and then explain each of them in turn.

That is the essence of a “listicle”.

People love to read about lists.

Anything about a list.

“The Top Ten” format is always a good way to start an article. It could be the top ten anything. You can write about the top ten this, or the top ten that, or the top ten whatever.

You can write about the “7 best ways” to start an online business from home and then develop those seven different ways to make that money online from home.

You can write about the ten best recipes that your grandmother left you and how you enjoy cooking them. Each one would have to be summarized in short yet comprehensible form in the body of the article so that the reader’s attention can be attained and kept.

What you write about is irrelevant.

But if you write articles about lists, about anything that can be put on a list like the above you can command attention from your readers because we all love lists.

There is something curious about an article that has any number in its subject that talks about the top ten of this or the seven best of that or the three things you should never do in such and such a case.

We want to read articles like that.

“Listicles”.

We have gotten to love them as we see more of them.

Use this strategy when you next write an article for your business.

You don’t use articles in your marketing efforts you say? Well you should. Listicles are now on the fast track to becoming a popular method to drive traffic to any website. Any online business can profit from listicles. If you do not use them you are depriving your website of the lifeblood of what it needs to make you money. You are in fact at a disadvantage.

Listicles are being used by the most successful online marketers to drive traffic as well as by affiliate marketers who rely on new traffic to generate and grow their commission checks.…

• INTRODUCTION:

A commercial bank is a business entity that deals in banking with a view to make profits. Every commercial bank aims to make profits in such a way that it does not compromise on its objective of liquidity, which is vital for its own security and safety.

• Meaning:

Since a commercial bank has to make profits in such a way that its liquidity remains intact, it diversifies its funds into various assets. A well – diversified and balanced asset portfolio ensures its sound and successful working. Various factors play an important role in determining the profitability and liquidity of commercial banks. These factors are taken into consideration while creating the asset portfolio of the banks.

• EXPLANATION:

A) FACTORS AFFECTING THE PROFITABILITY OF COMMERCIAL BANKS:

1) Amount of working funds:

Funds deployed by a bank in profitable assets are the working funds of the bank. Profitability of a business is directly proportionate to the amount of working funds deployed by the bank.

2) Cost of funds:

Cost of funds are the expenses incurred on obtaining funds from various sources in the form of share capital, reserves, deposits, and borrowings. Thus, it generally refers to interest expenses. Lower the cost of funds, higher the profitability.

3) Yield on funds;

The funds raised by the bank through various sources are deployed in various assets. These assets yield income in the form of interest. So, higher the interest, greater the profitability.

4) Spread:

Spread is defined as the difference between the interest received (interest income ) and the interest paid (interest expense ). Higher spread indicates more efficient financial intermediate and higher net income. Thus, higher spread leads to higher profitability.

5) Operating Costs:

Operating costs are the expenses incurred in the functioning of the bank Excluding cost of funds, all other expenses are operating costs. Lower operating costs give rise to greater profitability of the banks.

6) Risk cost:

This cost is associated to the probable annual loss on assets. They include provisions made towards bad debts and doubtful debts. Lower risk costs increase the profitability of banks.

7) Non – interest income:

It is the income derived from non – financial assets and services It includes commission & brokerage on rencittance facility, rent of locker facility, fees for underwriting and financial guarantees, etc. This income adds to the profitability of banks.

8) Level of technology:

Use of upgraded technology normally leads to decline in the operating costs of banks. This improves the profitability of banks.

9) Level of Non – performing assets (NPAs):

The profitability of a bank is inversely related to the level of NPAs. Hence, over the years, the NPAs of commercial banks have greatly declined.

10) Level of competition:

Increase in competition generally leads to higher operating costs. This leads to lower profitability.

B ) FACTORS DETERMINING THE LIQUIDITY OF COMMERCIAL BANKS:

1) STATUTORY REQUIREMENTS:

The extent of liquid reserves held by banks depends on the statutory requirements of the Central Bank (i.e. the RBI) …

People who want to start a lawn care business often ask the question – Can I make $100,000 profit per year? This article looks at the profits that you can expect during your first few years in the lawn care business and sets out ten points that you must be aware of if you want to get you business started the right way and take it to the $100,000 level.

How much is Possible?

If you start out right and work hard during your first year and are able to obtain at least 30 clients that you regularly service then you can expect to be earning the equivalent of $20,000 to $50,000 per year. Once you have experience and become established you can easily scale up to earning $100,000 after a few years and some savvy lawn care players make more than this, much more!

So how do you Start a ‘Six Figure’ Lawn Care Business?

1) Before and during the startup phase of your lawn business you should strive to have a great knowledge of lawn care, to understand the equipment involved and to become the best at mowing, edging and blowing. This ensures that customers will be satisfied, productivity will be maximized and that you can pass on your knowledge to future employees. Plan on starting out with second hand or leased equipment and scale up as your cashflow allows.

2) Understand the importance of establishing a brand or company identity as a platform that you can build upon. This is more than just thinking up a great name and getting a nice looking logo and business cards. Think about how you want customers to perceive your business and what you can do differently from your competitors that will allow you to stand out in the marketplace and to command a premium price for your services. You don’t want to have to change your branding further down the road so start your lawn care business off with a well thought out branding strategy.

3) Get organized! You should also start off right with a lawn care software package to help you with daily business administration. To scale up to the six-figure level within a few years you need to have systems in place for all aspects of your business.

4) Realise the importance of marketing and sales. Test advertising methods to find out what works best, learn how to price lawn jobs accurately and how to close the deal with prospective customers.

5) Highly profitable operators realize that while basic lawn maintenance services are their ‘bread and butter’ there are many additional services that they can up-sell to their clients with much higher profit margins than lawn mowing.

6) Make a commitment to reading and learning as much as you can about the industry, marketing and small business management. Look for books and reports by industry players who have started highly successful lawn care businesses so that you can learn from their mistakes and gain access to their …

"Bad publicity is still publicity." Such statement is one of the most common yet dangerous cliches ever. Is not it better to be remembered because of good deeds rather than controversial scandals? The greatest heroes and leaders of histories are immortalized because of their significant contributions. On the other hands, those that have been a scourge to humanity are eternally condemned.

This principle also applies to companies or business organizations. More than anything else, corporate image or reputation is one thing that should be taken good care of. A tainted reputation can cripple even the most well-known establishments. Redeeming one's image is far by more costing than losing a good deal. Once your reputation is destroyed, your business is in high risks of crumbling into pieces. There are several reasons that justify the importance of corporate image or reputation.

A good corporate image or reputation is an efficient marketing and promotional tool – Consumers will always remember an outstanding service. Likewise, they never forgive and forget mediocre works as well. Clients spend their hard-earned money on products and services that they avail. If your company is known for good performances, you have a higher tender of attracting more customers. The best part of it is that you do not have to spend a considering amount of time convincing them. Your previous clients will be your unofficial spokespersons. You do not have to spend too much on employing the services of advertising agencies. In addition to that, it is a given fact that consumers prefer to patronize service providers which have already established their names in their respective industries.

Credibility and integrity comes with a good name – Do not forget that your reputation is your identity . It articulates the culture of your organization. It is hard to be acceptable when nobody believes in you. Relatively, it is also difficult to prove integrity when your clients talk negatively about your company's services. Instead of recommending and promoting your business, you soon find your customers spreading warnings and bad reviews.

Corporate image or reputation establishes trust, confidence, loyalty and superb client relationships – The most respectable names in the industry did not reach the zenith of success if they did not protect their reputation. It should be noted that achieving untainted corporate image is not just about avoiding scandals and controversies. It is more of meeting the expectations of their clients. In order to build a good image, excellence and perfection must be continuously observed. As for the client's part, a good image provides a strong sense of security. They are assured that they would get good results once they use the services or products launched and offered by a reputable company.

Company image is instrumental in increasing your business opportunities – Corporate reputation is like a magnet. It does not only attract customers. It also catches the attention of interested investors and business partners. Who would dare to invest in a company known for management conflicts and work issues? Establishing …

Any stay at home mom who wants to make money online can avail themselves of the lucrative business opportunity of day trading stock picks which can easily help them to earn at least $500 a day without any need for advertising, warehousing and selling any physical goods or services. I know you desire to figure out how can stay at home moms make money online? Here is an easy-to-follow method you can use to make enough money to pay for your dream car or fund your children college education without sweat.

If you seriously want to make a regular and consistent income daily then day trading stock pick is what you should be doing now. Do not waste your time on those get rich quick schemes you see around. This is how you are going to be making money online from today. Imagine yourself sitting in front of your home PC or laptop on a cool Monday morning with your glass of orange juice beside you. The stock market opens in 25 minutes and you put on your PC or laptop. You instruct your stock trading robot to scan the database of penny stocks and after some minutes, the robot beeps and alerts you of potential profit-pulling stocks you should trade.

This is the type of business recommended for every stay at home mom to make huge money online. On this typical Monday morning, your robot has given you an order to buy Stock A for $0.13 and you quickly buy 10,000 shares of Stock A for $1,300 and you log out within a period of 10 minutes and go about your daily household chores. The next morning, you log on again and the robot instructs you to sell Stock A for $0.46 and you quickly contact your online brokerage firm and you sell all 10,000 shares. Can you imagine the amount of money you have made? Get out your calculator out now! You have made $3,300 within a period of 24 hours.

This is the kind of situation you will be faced with from today if you decide to throw away all those difficult and time-wasting chores you call business. Join the number of successful British and American stay at home moms that have discovered this easy-to-do home based business.

Truth is, on the penny stock market, stocks swing in price very fast. You will observe that stocks trading at $0.12 today may skyrocket to $0.54 the next day. This kind of price movement is not unusual at all. It happens just like that every single day.

This is the best and easiest way every stay at home mom can make money online today. Day trading stock picks is one business you cannot afford to allow to pass you by. In a very short time, with $500 flowing into your account every day, you will say good bye to all your money worries. Your dream car or dream home will be within your reach in less than 60 days!…

If I’d never read ‘Rich Dad, Poor Dad’ by Robert Kiyosaki, my outlook on life would be so different. I’d still believe that the job I have should go to support my lifestyle, and that any budgeting I do should be for the purchase of my next toy, like a jet-ski or a motorbike. No way, not me, not now… here’s why.

I’d never been much of a finance or business oriented person – I was always more interested in history. But what I know now wasn’t really taught in schools anyway. Schools teach kids to be workers – it’s blunt but it’s absolutely true. The school system is not designed to make us all comfortably well off. It’s designed to benefit rich industrialists. Having a job is not freedom, it’s not certainty, it most likely won’t make you wealthy, and odds are it won’t help you fulfill your dreams for the future.

These sort of ideas are promoted by Robert Kiyosaki in ‘Rich Dad, Poor Dad’, and they really speak to me. He tells the story of having been brought up with two father figures giving him conflicting advice. The two also came from different backgrounds, and were going different places. The examples used in the book illustrate Kiyosaki’s points perfectly. It’s such a well written, well rounded text, it should be mandatory reading in all schools.

Kiyosaki turns concepts of finance and assets upside down. Let me give you an example. Kiyosaki believes- and I do too now that I’ve read his explanation – that the house you live in is not an asset, it’s a liability. The conventional thought is that your home is something that features large on the assets column, but Kiyosaki disagrees. This is because of the amount of money you pay for it.

Let’s say for example that your home is worth $300,000. Your mortgage on the home… well what you pay per week will change depending on your financial institution. But over a 30 year loan term you’ll end up paying almost $600,000 for your $300,000 home. And that doesn’t even take rates, maintenance, repairs and other ongoing costs into account.

There are legitimate ways to make that gloom and doom scenario much brighter – and they’re legal.

Similarly with the stock market: the general consensus is that you need serious cash outlay to be a big player on the stock market – well let me tell you now that’s just not true. You’re not looking in the right place, and I’m not talking hot stock tips here. There are tried and true ways of making ongoing income from the stock market that don’t involve outlaying large amounts of money.

That’s all legal too – and practically anyone can do it.

The thing that astounds me about Robert Kiyosaki’s book is that the ideas and concepts are explained so plainly, and the most complex of notions is clearly laid out for interested persons or all levels of investment knowledge to be able …

IMVU is a free social network set in a spectacular virtual 3D world. The members can meet new people and hang out with their friends in animated 3D environments. They can also design their own custom avatars and equip them with different clothes and accessories. Most of the coolest items out there are not free – they cost credits to buy. IMVU credits can be acquired either from various free promotions, or by buying them for real cash. Credits are the virtual currency used everywhere in the IMVU world.

Now that we’ve established that IMVU users spend credits (and in turn, real cash) on various nifty virtual items, you should know that the opposite is also true – members can make money on IMVU by selling various 3D designs on the site marketplace, and earning IMVU credits this way. It’s a great opportunity for people with graphics design skills to get some additional income. IMVU uses Cal3D library for designing the 3D items.

Anyone can use the Content Creation program on IMVU. The only requirement is a small initial credits investment to cover the submission fees to the IMVU product catalog. If you create something that becomes really popular, you can earn lots of credits over a short period of time. That includes items people use to enhance the look of their avatar, and 3D environment designs for the chat rooms.

You might wonder how earning IMVU credits translates into making money. The thing is, IMVU allows converting their credits to real cash. There is a number of third party services that both sell and buy credits. If you have a lot of credits available, you can sell them to one of those merchants for real money in your PayPal account. In this regard, IMVU is similar to Second Life which also allows selling and buying of their virtual currency for real world money.…

Let's take advantage of these seasonal needs and offer the appropriate business services. You will find below a list of 20 profitable rainy season business ideas.

  • Cold Weather Apparels and Accessories: Starting a cold-weather apparel store can be a great option for those looking for a seasonal business. You can buy products in large quantities and start selling to retail fashion shops and corporate offices. You can even hire sales canvassers and pay them on a commission basis.
  • Law care business: Contrary to popular beliefs, the rainy season is a great time to start a lawn care business. Lots of individuals and large companies seek for services of lawn care retainers to help them take care and beautify their environment. You will need to advertise your services in local newspapers, or write an introductory letter to the ministry of environment either at local or state level. You can also write to property managers. Who says you can not go out and knock on doors of commercial businesses and property managements? They have a long list of clients that will need the services of lawn care service providers. You can start with two or three staff.
  • Roadside snacks: In this rainy season, snacks like roasted corn, cooked corn and cooked groundnuts are in demand. Passersby, pedestrians and drivers alike would always want to buy hot snacks to heat up their body and quell their hunger. Your target market should be in densely populated areas of streets with big pot holes that could delay traffic. As drivers slow down, they notice you and buy your snacks. Herbs and Flower Farming / Gardening: Flowers survive better during the rainy season. Plants are the basis for all landscapes, homes, gardens and even for brightening offices. You will pay small amounts for packages of seeds and make way more when selling starter plants. The more space you have, the better you will be at it. If you have the space in your landscape and outdoor garden, you can create gardens where you will grow the plants and dry them out after. This will add much to your inventory and you can make lots of money selling dried flowers to retailers, wholesalers, and even flower shops.
  • Make Mosquito Nets: Mosquito nets are simple to make and easy to use. They eliminate the need for repeated use of dangerous chemicals. Mosquito nets can be institutional and attractive. By using pretty flowing fabric and a few household objects, it is possible to make a beautiful yet functional mosquito net. Things you will for construction of a mosquito net are; Stud finger, 4-inch metal "O" ring, cup hook, 2-feet diameter embroidery hoop, 20 yards of tight weave chiffon fabric, 4 feet of stain cord or ribbon, hot melt glue and clear hot melt glue sticks.
  • Tea CafĂ©: This market is not likely to be planned if you decide to start this business. What innovations do you need to do this business? Simply make your tea joint look neat and

A personal development plan helps you to grow and achieve. So why do so few people take the time to create one? Two potential reasons are:

o Lack of know how

o Fear of limiting themselves

There are 5 key steps in creating a personal development plan

1. Do a personal stock-take of your strengths and development needs. As well as your own assessment get the input of others. They can often see talents that you are not aware of or are failing to fully utilise.

2. Think about what development will help you most in achieving your professional and personal goals.

3. Decide which methods of delivery will have greatest impact on your learning. We all have different ways of learning so find out what works best for you.

4. Set out a calendar of development events for the next 12 months. This makes it real and more likely to be achieved.

5. Put an accountability structure in place to ensure you follow through. Often the lack of accountability can result in you losing focus.

So what are the benefits of creating a personal development plan?

1. You give a clear message that you take your contribution to business success seriously

2. You can start to work on the areas that are less developed so that you become even more of an asset to your employer

3. If things are not progressing as you would like career wise you can demonstrate to a potential new employer what you can contribute with real impact

4. You take informed choices about the type of roles you pursue rather than leaving it to chance

5. You continue to grow, be motivated and stretch yourself to achieve what you desire

Take the first step towards to realising and exploiting your real professional and earning potential.…