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Business Archive            Date Archived:  July 26th 2006

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Parents of Special Needs Children Deserve Special Work Opportunities

Parents of Special Needs Children Deserve Special Work Opportunities

Business

I was a licensed nurse and had the map of my life routed out to specifics.  I had a plan in mind that included goals, dreams, anticipations and expectations.  No one knows how quickly those things change unless you have had the pleasure of experiencing the role of being a special parent.  Like many special parents out there, I was struggling, looking, and wondering how I could continue to meet the demands of my career, all while caring for my child with special needs.   Complete Article


Start Investing in Gold – How to Invest small Amounts with American Eagle Gold Bullion Coins

Start Investing in Gold – How to Invest small Amounts with American Eagle Gold Bullion Coins

American Eagle
Gold Bullion Coin

If you don’t have a lot of money to invest, you might want to consider investing in gold coins.  You can diversify and spread your investment among traditional stocks and bonds as well.  Many investors are currently looking at investing in gold as the US dollar may lose value.

American Gold Bullion Coins are issued by the US Mint and are guaranteed for the gold in them. You could purchase other coins or gold, but you won’t have the guarantee and it could become more difficult to cash in to money when you want to.  Complete Article


Career Schools – How to Pick a Specialized Vocational Training School for a Job in the Health Care Industry

Career Schools – How to Pick a Specialized Vocational Training School for a Job in the Health Care Industry

Medical Assistant

Career Schools offer education needed to becoming employable in specialized work.  Some of the most in demand jobs are related to the health care industry.  These careers include Medical Assistant, Health Information Technology, Physical Therapy Assistant, Dental Assistant, and Respiratory Therapist.

For these types of careers it would be beneficial to have classroom hands on training.  There are many vocational schools all over the United States.  Depending on the program they can sometimes be completed in less than one year’s time. Complete Article


Pick the Right Home Loan - Adjustable Rate Mortgages (ARM) Give Lenders More Security - Easier To Qualify For Than Fixed Rate

Pick the Right Home Loan - Adjustable Rate Mortgages (ARM) Give Lenders More Security - Easier To Qualify For Than Fixed Rate

Home Loans

Now that interest rates have been on the rise and may go higher, fixed interest mortgages may be harder to get.  The adjustable rate mortgages give the lender a bit of security in uncertain times.  If interest rates go up, their rates can also go up. 

There are some advantages to the adjustable rate mortgage and there are some advantages to the fixed rate mortgages.  You can get some lower initial payments with an adjustable rate mortgage.  It is also easier to qualify for an adjustable rate mortgage.  Complete Article


Oprah Winfrey's Debt Diet - Author David Bach Talk About Loans Credit Cards and Consolidation and Repayment

Oprah Winfrey's Debt Diet - Author David Bach Talk About Loans Credit Cards and Consolidation and Repayment

David Bach

This week the Oprah Winfrey Show is revisiting the Debt Diet Series.  In this group of shows Oprah interviews various families to determine how each got into debt and how each can get out of debt.

The series breaks down getting out of debt into four steps.  The first step is to determine how much debt you have.  This is done by pulling out your bills and totaling your expenses and debt. 

The next step entails tracking your spending.  One of Oprah’s guests, David Bach, says one place to cut spending is the “Latte Factor”.  We need to review our luxury expenses like fancy cups of coffee, cigarettes, bottled water or fast food.  Not spending just $10 per day can put $3600 in your pocket after one year (or pay your debt). Complete Story 


Reverse Mortgage - Myths and Misconceptions

Reverse Mortgage - Myths and Misconceptions

Financing

What is it about Reverse Mortgages that instills fear in some Senior Americans?  This feeling is real even when the American Association of Retired Persons (AARP) and nationally syndicated columnists like Robert Bruss continue to praise them in their literature.  The answer may be like that old axiom says “a little bit of knowledge can be a dangerous thing”, and from the fact that many seniors consult friends and relatives who proclaim they know, but in reality are grossly misinformed themselves.


Debt Consolidation Home Loans - Advantages and Disadvantages - Lower Credit Card Interest Rates and Tax Write-Offs

Debt Consolidation Home Loans - Advantages and Disadvantages - Lower Credit Card Interest Rates and Tax Write-Offs

Business

With the rise of interest rates, debt consolidation is becoming more common.  It entails taking out one loan to pay off many others, and is often done to secure a fixed interest rate or for convenience.  It is easier to write one check than many.

It may also be advantageous, especially if you are consolidating credit card debt into a fixed home loan.  Although there is some risk in converting unsecured debt into secured debt, there may also be a tax write-off.  Also, the change in the bankruptcy laws has made it more difficult to remove debt via bankruptcy. Consolidation could also entail placing unsecured loans into another unsecured loan, but more often it involves a secured loan against an asset that serves as collateral, which is often a house.


Ebay bans Google GBuy Payments as Payment Method for eBay Auctions

Ebay Bans Google GBuy Payments as Payment Methods for eBay Auctions

eBay Website

Ebay takes a stand against Google’s GBuy Payments by banning them from their eBay auctions.  Even though this is the case auction management systems have integrated this into their payment checkout systems which would still allow it at some level.

In the mean time PayPal is having a major overhaul of upper management.  Paypal executives are changing places with eBays telephone online company Skype.  Ebay is hoping that by changing around the management it will bring a new competitive edge to both businesses.


Stated Income Loans – Mortgage with No Documentation

Stated Income Loans – Mortgage with No Documentation

Stated Income Loans

Stated Income loans are a type of loan that allows borrowers with fair to excellent credit to qualify for a mortgage without their income being verified by the bank. Stated Income, Verified Asset (SIVA) loans are primarily designed for self employed people who may not have the means to accurately reflect their income.

Business owners may receive much of their revenue in cash but their cash reserves shown in the bank display a different picture.  The borrowers are required to disclose their two year employment history and state a figure for their monthly income on the Uniform Residential Lending Application (Form 1003).  The borrower may also be required to disclose bank accounts, their retirement programs or other types of assets.  Stated Income Loans – Mortgage with No Documentation


Medical Transcriptionist Careers - Jobs in the MT Field - Schools and Courses and Opportunities - Work at Home and On-line

Medical Transcriptionist Careers - Jobs in the MT Field - Schools and Courses and Opportunities - Work at Home and On-line

Work at Home

There are many job opportunities, but few of them offer the freedom and benefits of a medical transcriptionist (MT).  You do not need a college degree or certification from any regulatory approval agency of the state or federal government.  You may want to become a member of an association or certification program though. 

The best accreditation is the American Association for Medical Transcription (AAMT). Just because you obtain a certificate from a medical transcriptionist training program does not qualify you to call yourself a Certified Medical Transcriptionist (CMT).  This is only available through the AAMT.  The AAMT also offers a lower-level credential called the Registered Medical Transcriptionist (RMT).  Medical Transcriptionist Careers - Jobs in the MT Field - Schools and Courses and Opportunities - Work at Home and On-line


How to become a Paralegal – Education and Certification Helps

How to become a Paralegal – Education and Certification Helps

Paralegal document preparation services

A paralegal, sometimes called a legal assistant, is a person that helps prepare legal documents usually on behalf of a lawyer.  Sometimes a paralegal will offer services to the general public.  If the documents that need to be filed with the courts are straight forward and simple, people will often seek out paralegals as a way to save expenses on a lawyer that may not be necessary.

Paralegals are able to assist in helping to file for legal name changes, divorces and other paperwork.  Paralegals are not able to give legal counsel and are not able to represent someone in court.  They strictly help put together the legal documents; if a legal case is complicated a lawyer is still necessary.  How to become a Paralegal – Education and Certification Helps


Types of Reverse Mortgages - How to Choose a Lender and How Do They Work - Disadvantages of a Reverse Mortgage and Pitfalls

Types of Reverse Mortgages - How to Choose a Lender and How Do They Work - Disadvantages of a Reverse Mortgage and Pitfalls

Business

There are many reasons a person may want a reverse mortgage.  If you are over the age of 62 and find yourself in a position of needing cash for whatever reason, you may want to consider a reverse mortgage.  You may need some supplemental income, money for medical bills or need to make your retirement more enjoyable, but so not want to take a chance of losing your home with a regular mortgage.

There are three types of reverse mortgages.  The first is a single-purpose reverse mortgage which is offered by some state and local government agencies and nonprofit organizations.  To qualify, the barrower may need to be in the low to moderate income bracket.  These loans are typically for a specific use, like home improvement, property taxes, or health expenses.  Types of Reverse Mortgages - How to Choose a Lender and How Do They Work - Disadvantages of a Reverse Mortgage and Pitfalls


How to Become a Notary Public Signing Agent – Education and Exam requirements followed by Marketing your Services

How to Become a Notary Public Signing Agent – Education and Exam requirements followed by Marketing your Services

Notary Public Seal

A career as a Notary Public is usually part of another job function.  Sometimes notary publics can work with retail mailing and shipping storefronts other times they work at the bank or at an accounting firm.  Paralegals that work at filing legal documents will also become notary publics as part of their services that they offer.  You can also market yourself as a full-time notary public. Usually full time public notaries will offer a mobile notary service or will be a signing agent.  How to Become a Notary Public Signing Agent – Education and Exam requirements followed by Marketing your Services


 Compare Mortgages - First Time Homebuyers Choose Between Adjustable Rate Fixed Rate and Interest Only Loans

Compare Mortgages - First Time Homebuyers Choose Between Adjustable Rate Fixed Rate and Interest Only Loans

Business

There are many types of home loans (mortgages) available including fixed rate, interest only and adjustable rate mortgages.  Typically they are affixed to real property and improvements (a house), but can be associated with ships, and raw land. 

Each loan has its advantages.  Adjustable Rate Mortgages (ARMs) give the lender some safety if interest rates rise.  For instance, if the interest rate right now is 5% but 5 years from now increased to 10%, the lender can raise their rate to 10%. Usually the rate is associated with an index such as the Prime Interest Rate plus a percentage.  Compare Mortgages - First Time Homebuyers Choose Between Adjustable Rate Fixed Rate and Interest Only Loans


Hedge Funds Investing – Description of a Hedge Fund Account

Hedge Funds Investing – Description of a Hedge Fund Account

New York Stock Exchange

A hedge fund got its name from Alfred Winslow Jones in 1949 by developing a way of selling short some stocks at the same time buying another stock.  He was hedging his bets so to say.  Hedge in the financial world means to attempt to offset possible loss on an investment by counterbalancing your financial portfolio to prevent a loss in money.

The hedge fund was intended originally from investing in stocks for both long and short term investing, however the ideas has expanded to investments that are not involving stock trading at all.  Hedge Funds Investing – Description of a Hedge Fund Account


Life Insurance - Term Whole and Mortgage Policies - Compare Rates and Terms of Policy

Life Insurance - Term Whole and Mortgage Policies - Compare Rates and Terms of Policy

Life Insurance Peace

Life insurance is one of those things none of us want to think about.  The time to get life insurance is when you are healthy because insurers do not want insure people who are likely to file a claim. Expect a medical exam for most policies.

The policy, like all insurance policies, is a legal binding contract.  The contract will specify the terms and conditions of the risk assumed.  There are usually special previsions, including a suicide clause, where the policy becomes null if the insured commits suicide within a specified time from the policy date (usually two years).  Life Insurance - Term Whole and Mortgage Policies - Compare Rates and Terms of Policy


Employment Opportunities – Strategies for Job Hunting can lead to Getting Hired

Employment Opportunities – Strategies to Job Hunting can lead to Getting Hired

UNICRU Employment Kiosk

If you have searched and searched in your local newspaper for that perfect job, you might find that you are not expanding your search far enough.  You need to determine the type of work that you want to do and the amount of income that you need, to make a living.  Of course, we all want to make a ton of money but you need to be realistic in your abilities and the amount you can potentially earn.

If you don’t even know where to begin in your search for a job, you might want to check out O*net is a free assessment located at www.careeronestop.org.  These assessment tests may help you find out what you would like to do and the kinds of jobs that are available as well as the training needed to get those positions.  Employment Opportunities – Strategies for Job Hunting can lead to Getting Hired


Financial Planners - How To Work At Home As A Financial Advisor

Financial Planners - How To Work At Home As A Financial Advisor

Planning

Many Americans dream of working from home, but aren’t sure what direction they should take or how to get started.  One opportunity that should be considered is a person financial advisor.  The Bureau of Labor Statistics says that 4 out of 10 financial planners are self employed and their median average income is $62,700 (2004).

Typically, financial advisors that are college graduates with good communication’s skills make the most money.  There are many organizations that can aid you in your desire to work for yourself as a financial planner / advisor.  The Certified Financial Planner Board of Standards (CFP Board) is the most prestigious certifier of advisors.  Financial Planners - How To Work At Home As A Financial Advisor


Interest Rates and Home Loans – Fixed Rate Mortgages may be better than Adjustable Rates

Interest Rates and Home Loans – Fixed Rate Mortgages may be better than Adjustable Rates

Real Estate

Considering the current trend of inflation, gas prices, and the cost of the Iraq war, interest rates may continue to rise for some time making the fixed rate home loan very desirable.  When shopping for a home loan you will find that many loans are adjustable rate, interest only, or fixed rate.  If you plan to live in your home for a very long time then fixed rate is definitely for you.  If you plan to live in a home for only two or three years, you might consider the adjustable rate and interest only, or a temporary fixed rate home loan.  Interest Rates and Home Loans – Fixed Rate Mortgages may be better than Adjustable Rates


eBay Adcontext – eBay strikes back with Google by using Contextual Advertising with Affiliate Marketers

eBay Adcontext – eBay strikes back with Google by using Contextual Advertising with Affiliate Marketers

eBay website

Bloggers will consider looking at the new affiliate program that eBay will offer soon.  It is a contextual based advertising that uses keywords to determine the ads which closely mirrors Google Adsense advertising.  The new program by eBay is called Adcontext and gives people with websites and blogs another opportunity to make advertising revenue.

Advertisers with the eBay Adcontext program will have to pay a price for the chance to advertise their goods.  The good news is that bloggers can add easily onto their site.  Advertisements that relate to the context of the post will generate interest in the eBay products for sale.  eBay Adcontext – eBay strikes back with Google by using Contextual Advertising with Affiliate Marketers


Online Credit Card Processing - Google to Launch new GBuy to Compete with PayPal

Online Credit Card Processing - Google to Launch new GBuy to Compete with PayPal

ATM

Google is planning to launch Google Payments, GBuy, for all websites instead just having it on Google Base.  Google will soon become a direct competitor to Paypal which is owned by eBay.

Google Base is a classified ad format that you can sell your item for free.  Google Base is a free place to put your information on their website.  If you have content such as podcasts you can post them up here.  You can also sell your items as well.

Google Base pages may be included in their Google search engine, Froogle (which is a comparison shopping search engine), and Google Maps.  Online Credit Card Processing - Google to Launch new GBuy to Compete with PayPal


Tired Of Your Current Administrative Job? Then It’s Time To Become Self-Employed

Tired Of Your Current Administrative Job? Then It’s Time To Become Self-Employed

Business

“Work is love made visible. If you cannot work with love but only with distaste, it is better that you should leave your work, sit at the gate of the temple and take alms from those who work with joy.” ... Khalil Gibran

Recent polls show that only 39% of employed Americans are completely satisfied with their jobs. Many of the remaining 61% don’t exchange their jobs to become charity-cases, as this 19th Century poet suggests, but toil away year after year in disgruntlement. Bad pay, poor benefits, an unyielding boss, a toxic work environment, a job with no growth potential, no incentives, no future security, “no way!” you’ve most likely said. Tired Of Your Current Administrative Job? Then It’s Time To Become Self-Employed


Financial Planner Courses - Requirements to Become Certified Advisor - Work at Home Even Without A Degree But Certification Will Help

Financial Planner Courses - Requirements to Become Certified Advisor - Work at Home Even Without A Degree But Certification Will Help

Business

Home businesses offer the freedom that very few jobs can offer, and one popular choice is the Certified Financial Planner (CFP).  The pay is not bad either.  According to the Bureau of Labor Statistics, 4 out of 10 CFP are self employed and the median income as of May 2004 was $62,700. 

Not all financial planners are Certified Financial Planners, but being certified may add value to your business and money to your pocketbook.  So what does it take to become certified? 

According to the Certified Financial Planners, Board of Standards, a bachelor’s degree is not required until 2007.  Even after 2006, you will not need a degree before sitting for the exam or fulfilling your work experience, but you will need the degree before becoming certified.  Financial Planner Courses - Requirements to Become Certified Advisor - Work at Home Even Without A Degree But Certification Will Help


Ebay Selling - How to market your item on eBay

Ebay Selling - How to market your item on eBay

eBay's Logo

Ebay selling can be a rewarding business or part time income opportunity.  You can improve your chances for selling your item for top dollar by how you present your auction listing.

Pictures are the number one way to sell your item.  Without good quality easy to see pictures your item could be overlooked or undervalued by the buyers.  If you have a white sheet that is wrinkle free, you can use this as a back drop to the items that you are going to sell.  Make sure that you have adequate lighting and that you take pictures that are in focus.  Every computer monitor has different brightness levels and color tones.  So it is important to have generally lighter pictures so that all people will be able to see on their computer.  If color is involved describe the color in the text of the auction to explain the color.  Ebay Selling - How to market your item on eBay


Make a Fortune with Seminar Marketing

Make a Fortune with Seminar Marketing

Larry Klein

Seminar marketing is under-utilized by most business and professionals.  Simply, seminar marketing is the process of getting a crowd in a room to hear a presentation of interest. The prevalent paradigm for sales in the U.S. is individual calls from a sales person to a buyer.  With seminar marketing, the seller can talk to 50, 100 or even 500 buyers at a time.

Logistics of seminar marketing

Generally, business people will not travel more than 60 minutes to attend a seminar and the public not more than 20 minutes. So the list you rent for your seminar should cover only the relevant radius. Know the habits of your market because if the seminar is not at a convenient time, your attendance will be poor.  For example, business owners will find a breakfast or lunch meeting close to their office convenient.  Seniors will want to attend during the day will people working won't have time until after work.  Make a Fortune with Seminar Marketing


Yahoo CEO gets new salary of $1 a year through 2008

Yahoo CEO gets new salary of $1 a year through 2008

Yahoo! website

Terry Semel, CEO and Chairman of Yahoo took a big pay cut.  The last three years his salary was $600,000.  The next three years he will make $1 each year.  He will be able to increase his income by future compensations, stock options and grants.  By doing this his incentive will be to increase performance to increase his income. 

This is not the first company to pay their CEO a $1 salary.  Larry Page and Sergey Brin who are the co-founders of Google have a $1 salary.  Also CEO Eric Schmidt from Google has a $1 salary.  They all gain compensation through stock options and grants.  Yahoo CEO gets new salary of $1 a year through 2008


Liberal Arts Major - What are the Career Opportunities with this Degree?

Liberal Arts Major - What are the Career Opportunities with this Degree?

Sculpture

According to the reality, we often opt for the same professions, which had been adopted by our fathers. We try to adopt such career which are in demand and offers opportunities in term of job prospectus. We try to focus on the influential fields, which our friends have studied or opt so far, and this lead towards the growth of narrow thinking, misleading and misguidance. Doctor, Chartered Accountant, Computer Engineer, Business Man, etc. are no doubt reputable careers in the past decades, but the growth and demand of new dimensional career are far more superior, ethical and are claimed worldwide for providing better opportunities in the future decades. Have we ever looked towards the multi-dimensional career field like liberal art in the modern era, which will be more demandable in future?  Liberal Arts Major - What are the Career Opportunities with this Degree?


Podcasting  is a cost effective Marketing Solution - Tips for making a Podcast to market your Business

Podcasting  is a cost effective marketing solution - Tips for making a Podcast to market your Business

"Meeting & Event Planning for Dummies Book" by
Susan A. Friedmann,CSP

What's the most precious commodity in the world?  Nope.  Not gold.  Not platinum.  Not uranium.  Not diamonds.  The most precious commodity in the world is not something you can mine, or harvest, or hoard in safety deposit boxes.

The most precious commodity is something you have an almost endless supply of.  Major industries go out of their way to get it from you.  Entire trades have sprung up for the sole purpose of enticing you to part with yours.

What is this precious thing?Podcasting  is a cost effective Marketing Solution - Tips for making a Podcast to market your Business


Filing Bankruptcy Chapter 13 and 7 – New Laws Change Rules – Credit Counseling Services Required – How to Choose a Non-Profit Company

Filing Bankruptcy Chapter 13 and 7 – New Laws Change Rules – Credit Counseling Services Required – How to Choose a Non-Profit Company

Business

There are two types of bankruptcy for consumers facing financial trouble, Chapter 13 and 7.  The new bankruptcy laws have made it more difficult for consumers to file 7, which allow you to start over by erasing your debts with the exception of back taxes, child support, alimony, and most student loans.

According to the Financial Planning Association (FPA), the court is allowed to sell off most of your assets except for certain exempt assets. The states determine what is exempt, but generally your home or at least some of its equity, clothing, a car, furnishings, life insurance (though not necessarily all the cash value), pension assets, and tools of your trade are exempt.  Filing Bankruptcy Chapter 13 and 7 – New Laws Change Rules – Credit Counseling Services Required – How to Choose a Non-Profit Company


Foreclosure Homes – Buying a REO Foreclosed Property might save you Money

Foreclosure Homes – Buying a REO Foreclosed Property might save you Money

Real Estate

It is an unfortunate event that the previous home owners were unable to keep their homes, however the benefits to a foreclosed home is that you can often buy it at less than market value.  This is especially true when homes are not selling as fast as they could.  If the real estate market slows down the prices on the foreclosures will also drop.

You can search foreclosures that are bank owned, HUD Foreclosures and VA foreclosures.  A foreclosure is usually owned by a financial or government institution.  If the home sits around long enough the price will often go down.  Foreclosure Homes – Buying a REO Foreclosed Property might save you Money


Financial Planners Information Online - How to Check Broker and Financial Advisers Background - What to Look For When Choosing One

Financial Planners Information Online - How to Check Broker and Financial Advisers Background - What to Look For When Choosing One

Business

There are Federal and state laws that require both brokers and investment advisers and their firms to be licensed or registered.  This provides important data for those seeking information about specific advisors.  According to the Securities and Exchange Commission (SEC), “The good news is that this information is easy to get, and one phone call or web search may save you from sending your money to a con artist, a bad financial professional, or disreputable firm.”  Financial Planners Information Online - How to Check Broker and Financial Advisers Background - What to Look For When Choosing One


Investment Strategies – Why Invest in Gold, Silver, and Platinum?

Investment Strategies – Why Invest in Gold, Silver, and Platinum?

Gold Coins
by US Mint

Gold and silver have been valued by numerous civilizations for over 5,000 years.  It offers investors a way to stabilize their investments.  If you invest solely in the stock market you are wagering all of your savings on a volatile market.  The stock market can sink if the economy goes into a depression.  The stock market relies on business being financially productive in order for the investment to pay off.  Gold, silver and platinum prices vary from the stock market prices which make it a good idea to diversify some of your investments.

What purposes and true value do these precious metals offer?  Why invest in a hunk of metal?  These metals are in demand for certain types of applications.  Besides the glitz of jewelry and decorative items, there are many practical applications for these precious metals.  Investment Strategies – Why Invest in Gold, Silver, and Platinum?


What to Look For in A Financial Planner – How to Choose an Advisor – Certification Education and Experience op Planners

What to Look For in A Financial Planner – How to Choose an Advisor – Certification Education and Experience op Planners

Financial Planning

There are various organizations that Financial Planners may be associated with.  The most prominent association is the Certified Financial Planners (CFP) Board of Standards, which is the premier organization.  They provide rigorous testing of applicants including a background check.

You will want to know about the planner’s experience and qualifications.  The CFP recommends you ask the planner to briefly describe his or her work experience, and how it relates to their current practice.  Although the term “financial planner” is used by many financial professionals, not all will be certified by the CFP.  The Board says you should choose a well rounded planner with “proven experience” in insurance, tax planning, investments, estate planning or retirement planning.  What to Look For in A Financial Planner – How to Choose an Advisor – Certification Education and Experience op Planners


The Benefits of Working At Home - Options and How to Start a Home Business - Ebay - Medical Transcriptionist - Paralegals - Consulting

The Benefits of Working At Home - Options and How to Start a Home Business - Ebay - Medical Transcriptionist - Paralegals - Consulting

Business

The Internet has made a home based business easier than ever.  Some potential business include: Selling on eBay, Medical Transcriptionist, Writers, Paralegals and Virtual Assistants, just to name a few.  Each business has its benefits and drawbacks.  Some of the businesses require money to begin, while others are virtually free to start.

Talk to many home business owners and they will tell you they “love it”!  There is no commute, no boss, and possibly no day care.  The downside is that you need to put money aside for your taxes, there are no 401K’s (unless you set up your own), no health insurance (unless you set up your own) and you need to be self motivated.  The Benefits of Working At Home - Options and How to Start a Home Business - Ebay - Medical Transcriptionist - Paralegals - Consulting


Real Estate Agent Licensing – Steps to Getting Realtor license with help from Real Estate Agent Online Schools

Real Estate Agent Licensing – Steps to Getting Realtor license with help from Real Estate Agent Online Schools

Real Estate

If you ever thought about working as a real estate agent, there is a lot to learn in order to pass the test in order to become a licensed agent.

Not only has online schools become plentiful, they are also diverse.  Online schools are available to help train you for becoming a real estate agent.  These schools will teach you all the real estate laws and terms to help you pass the licensing test with ease.  Make sure that you find courses that cover your state laws as they can vary from state to state.  Real Estate Agent Licensing – Steps to Getting Realtor license with help from Real Estate Agent Online Schools


Home Business As A Certified Advisor - Some Certifications Do Not Require College Degree

How to Become A Financial Planner - Work At Home Business As A Certified Advisor - Some Certifications Do Not Require College Degree

Business

There are many options when it comes to a home business and one popular choice is a Certified Financial Planner (CFP).  In fact, according to the Bureau of Labor Statistics, 4 out of 10 CFP are self employed and the median income as of May 2004 was $62,700. 

So what does it take to become a financial planner?  As the name entails, in order to become a Certified Financial Planner, you need to become certified.  You will need to take and pass a test.  After 2006, all applicants for a CFP certificate must have a bachelor’s degree.   According to the Certified Financial Planners, Board of Standards, it is not a requirement to be eligible to take the CFP Certification Examination and you do not have to have the degree before sitting for the exam or fulfilling the work experience. The bachelor's degree requirement will be waived for those individuals who have met all certification requirements prior to 2007. How to Become A Financial Planner - Work At Home Business As A Certified Advisor - Some Certifications Do Not Require College Degree


Internet Browsers - How to Chose an alternative Web Browser
  

Internet Browsers - How to Chose an alternative Web Browser

Opera Web Browser

With all the security woes and annoying user-unfriendly problems associated with Microsoft's Internet Explorer, more and more people are looking for alternatives.  Internet surfers seeking out new web browser options have a few good choices to consider, and luckily, all the browsers in this category boast positive attributes and cool features that can make anyone's browsing experience a good one. In the end, it's up to you to pick one that fits your specific needs, as everyone looks for something different in a browser. But one thing's for sure - you'll never go back to IE.  Internet Browsers - How to Chose an alternative Web Browser
 
 

Business Travel - How to Chose a good Hotel on your Next Business Trip

Business Travel - How to Chose a good Hotel on your Next Business Trip

New York Hilton Fitness Center

For business travelers like you, staying in comfort at a hotel and having access to the room amenities, while waiting to meet your business deals is a great thing you expect. During your stay in the hotel, it’s usual that you need to be in connection with businesses outside, so it’s not surprising that you would take advantage of hotel’s facilities or amenities and services. It’s not only relaxing, spacious and well-equipped rooms you look for, but it’s all about the things like computers, in- room high speed internet (we know you love it!), cell phone, cell phone charger, notebook computer batteries, notebook computer batteries, cable TV, good lighting to perform work, and other various business services available that can support and take care of your business work, until you complete the business trip.  Business Travel - How to Chose a good Hotel on your Next Business Trip 


Alternatives to Selling on eBay - Free Services From Google May Dominate Small Business Online Sales Market

Alternatives to Selling on eBay - Free Services From Google May Dominate Small Business Online Sales Market

Google Base

Google is beginning to cut into eBay profits by offering free services.  Any business owner will tell you that it takes money to make money, but because of eBay’s high cost per sale, sellers are trying new options including Google’s Froogle Service and Google Base.  By the time you add up the costs associated with listing fees, final valuation fees, gallery fees and other promotional fees, sellers can end up losing money selling on eBay.  If your item does not sell the first time or second time out, you are still out their listing fees. 

Mary Crane writes in Forbes Magazine that while the new Google Base service has not become a significant driver of sales for e-commerce companies as of yet, 50% of the conference attendees said they have started to list products on the database.  These eBay users include people that make 75% of their income from eBay and are considered power sellers.  Alternatives to Selling on eBay - Free Services From Google May Dominate Small Business Online Sales Market


Home Business and Internet Marketing - The U-Factor

Home Business and Internet Marketing - The U-Factor

Business Strategies

If you want a home based business or a work at home job, chances are you have done a lot of searching on the internet. Let's face it, the internet is the place to be if you want to make money.

You have, most likely, read about many different opportunities. You have followed the words and suggestions of some of the web gurus. You have looked at this internet marketing strategy and that affiliate marketing opportunity. Maybe you have gotten confused.

You have wondered to yourself, "is this legitimate or just another scam?" Can I really make money on the internet? The answer to your questions is yes and no. On the internet, just as in the physical world, there is a bit of everything. There are many choices and many different people looking for choices.  Home Business and Internet Marketing - The U-Factor


New Franchise Opportunity - Dagwood Sandwich Shop by “Blondie” Cartoonist

New Franchise Opportunity - Dagwood Sandwich Shop by “Blondie” Cartoonist

Dean Young

The famous cartoon “Blondie” is going to have a Dagwood sandwich franchise opening this year.  Founders of this franchise are by cartoonist Dean Young along with co-founder Lamar Berry.

Dean’s father, Chic Young, started the “Blondie” comic strip in 1930.  When Chic died in 1973, Dean took over the comic strip.  Currently there are an estimated 250 million readers of the comic strip worldwide.  Over the years there has been a collection of “Blondie” movies ranging back to the late 1930’s.

Opening a Dagwood sandwich shop has been a long running dream for Dean Young.  He has a collection of over 20 different sandwich recipes that he has collected over the years.  New Franchise Opportunity - Dagwood Sandwich Shop by “Blondie” Cartoonist


 Home Equity Line Of Credit - Consolidate Debt with Second Home Mortgage Even With Bad Credit - Save Money and Lower Payments

Home Equity Line Of Credit - Consolidate Debt with Second Home Mortgage Even With Bad Credit - Save Money and Lower Payments

Home Equity Line of Credit

Does it make sense to consolidate credit card debt into a home loan?  There are a lot of factors to mull over before doing so, but it should be considered if you feel you may be unable to meet your obligations soon.  If fact, it might be better to consider debt consolidation before you miss or are late on a payment.

Many will advise that it is a mistake to place unsecured credit card debt into a secured home loan.  But with recent changes to the bankruptcy laws, it may be harder to shake the unsecured debt than ever before.  Recent policy changes that required credit card companies to double their minimum payments have also made it harder for some families and business people to meet their obligations.  Home Equity Line Of Credit - Consolidate Debt with Second Home Mortgage Even With Bad Credit - Save Money and Lower Payments


Flipping Real Estate Property for a Profit – Is it a Safe Investment?

Flipping Real Estate Property for a Profit – Is it a Safe Investment?

Real Estate

According to ABC’s 20/20 there are a lot of people that investing in real estate to turn around and sell it to make a quick buck.  They discussed a popular “flipping” of real estate which is a real estate term that means to quickly buy and sell a property for a profit.

Flipping real estate for investing is popular among the new home housing tracts.   People line up the night before to get their chance at buying a property for a new housing development.  It is unlikely that they will ever live in the property and they usually don’t even rent the property to keep it in mint condition.  As the property prices go up in value in a short period of time they make a profit on the sale of the property.  Flipping Real Estate Property for a Profit – Is it a Safe Investment?


Just a Click Away: Using the Internet to Facilitate Your Market Research - Promote Your Trade Shows - Finding Exhibitors

Just a Click Away: Using the Internet to Facilitate Your Market Research - Promote Your Trade Shows - Finding Exhibitors

Susan

Market research is one of the most valuable selling tools a show organizer has. Up to the minute, accurate market data arms you with the type of valuable information you need to ‘sell’ your show to potential exhibitors, including who is attending your show, how well your exhibitors did at last year’s show, and what type of sales numbers resulted from participating in the event.

Savvy exhibitors -- those that can contribute meaningfully to the success of your show -- will want to know this type of information. Any information you provide to potential exhibitors must be both timely and accurately.   Just a Click Away: Using the Internet to Facilitate Your Market Research - Promote Your Trade Shows - Finding Exhibitors


Financial Advisor – How to work at home as a Financial Advisor

Financial Advisor – How to work at home as a Financial Advisor

Professional Advisor

Working at home is a dream job for many people.  One career that allows you the opportunity to be self-employed and work at home is to become a personal financial advisor.  According the Bureau of Labor Statistics, 4 out of 10 personal financial advisors are self-employed.  The Bureau of Labor also said that the median average income for a personal financial advisor in May of 2004 was $62,700.

Successful personal financial advisors are college graduates that have good communication and people skills.  Many organizations for financial planners exist.  They can help you with getting a certification to help market your services.  Becoming a Certified Financial Planner (CFP) will add confidence for your client base and will ensure that you are knowledgeable about investing.  The CFP certification is an in-depth process that maintains the professionalism of the financial planning industry.  Financial Advisor – How to work at home as a Financial Advisor


Finding a Good Mortgage with Bad Credit

Finding a Good Mortgage with Bad Credit

Bad Credit Good Loan

The decision to buy a house is a great one, and nothing can make the outcome of that decision greater than being well informed of what to expect from the process of choosing and getting a mortgage.  If credit history is an issue, prepare yourself and learn beforehand what you can do to optimize and improve it. 

A less than stellar credit history will not automatically exclude you from a mortgage approval.  Armed with this knowledge, buying the right house will not only be possible, but it will be a pleasant experience. 

The first step in the process is to understand the process of mortgages.  Next, decide what you need from a mortgage company, and pick one that will work well for you: not only in buying the home, but also in the long-term ­ the time during which you will be paying off the mortgage.  Lastly, begin planning now, and work to improve your credit history to minimize it getting in the way of an approval.  Being informed will make the process of applying and being approved for a mortgage a much smoother and more pleasant process.  Finding a Good Mortgage with Bad Credit


Direct Response Website Marketing - The Best Advice

Direct Response Website Marketing - The Best Advice

Business

The Web Success Team: Launches Coaching Confidential…

A Direct Response Website for Personal Growth and Professional Development

The first thing that comes to mind is WOW when viewing Coaching Confidential (http://www.coachingconfidential.com) with Dr. David Schaefer. So much helpful information is packed into this site — and yet it looks uncluttered.

It is organized to capture a viewer’s full attention and to guide the visitor through its many portals of content. It’s like going through the rabbit hole into a wonderland of self-help and guidance.  Direct Response Website Marketing - The Best Advice


How rich get richer with residual income?

How rich get richer with residual income?

Business

First, what is residual income and how it works?  Residual income is the earnings that you continue to receive after your initial sale from companies offering this program. In other words, residual income is an effortless earning resulting from your sales efforts in the past.

Residual income accrues on a frequent basis usually on a monthly period. Members under you called downline generate the earnings known as residual income. More members in the downline means more income. Each member in every company with the residual income plan holds a position. In every organization members come and go or stay for variety of reasons, but positions remain. Holding your position in your company is the key to get the desired results.

The network of members in companies with residual income plan is called matrix.  How rich get richer with residual income?


Stock Options

Stock Options

Business

Exchange traded options have been considered risky investments that only experienced traders would use, but they can be used by other investors as well. They date back to 1973, and according to Barron’s magazine, options are the number one investment that people want to know more about. 

Options may give investors increased cost efficiency, and may be less risky than equities.  They also have the potential to deliver a higher percentage return, while giving the investor a number of strategic alternatives. 

An option is a contract that gives the buyer the right to buy or sell an underlying asset at specific price on or before a certain date.  There is no obligation to do so of course, and like a stock or bond, an option is considered a security.  It is a binding contract with strict terms and properties.  Stock Options


eBay Express website launched Fixed Price Traditional Storefront Format

eBay Express website launched Fixed Price Traditional Storefront Format

eBay Express Website

Ebay with a patent infringement lawsuit looming has more than likely created the spin off of this new website called eBay Express.  It offers “Get it Now” instead of “Buy it Now” slogan.  It is designed as a traditional shopping website similar to Amazon.com. 

The other pull for eBay to offer the website has been a long desired request from ebay sellers that sell primarily new items versus the garage sale person selling their dusty items.  Ebay Express says on their website that eBay Express sells only new items.  It still offers the opportunity for both new and used items to intermingle on the eBay auction site, however since most items of a retailer are sold at a “buy it now” fixed price while a garage sale dusty used item will wait for 7 – 10 days to see how much it can be bid up for a more traditional auction format.  eBay Express website launched Fixed Price Traditional Storefront Format


eBay Competition – Will Google be the next big Online Selling Company?

eBay Competition – Will Google be the next big Online Selling Company?

eBay Keywords

Google has continually added more services that look more like eBay every day.  Ebay one of the long standing online auction site, might be shrinking in size with the potential of Google Base, currently a free to list service and Google Wallet to help in the sale transactions.

Ebay more than likely is very frustrated that they spent $400 million in advertising dollars for Google Adwords.  They are looking at ways to not fund the competition to potential slow the growth of their impending competitor. 

A report in the Wall Street Journal said that eBay is looking for technology partners such as Yahoo! and Microsoft to slow down the growth of Google.  There are rumors milling about whether eBay wants to merge with another giant or just work along with another company as a method to maintain their business.  eBay Competition – Will Google be the next big Online Selling Company?


Learning a Second Language Online - Foreign Language Classes on the Internet

Learning a Second Language Online - Foreign Language Classes on the Internet

Online Classes

As technology continues to evolve at a rapid pace and communication tools become available to more people, the world is quickly transforming into a global village. We are all connected in one way or another - through business, travel and the Internet. That’s why today it is more important than ever to learn a second language. Having the ability to communicate in a second language will allow you to conduct business more efficiently, have more fun while traveling, and make it easy to forge friendships the world over, even if its just through the Internet.

So what is the easiest and most effective way to learn a second language? If you’re strapped for time and require flexibility when it comes to learning a new language, taking classes through an online educational institution is your best bet. Luckily, online learning has made major strides recently, so there are a multitude of schools, courses, teachers and resources from which to choose. Learning a Second Language Online - Foreign Language Classes on the Internet


Consolidating Credit Card Debt - Interest Only Loans

Consolidating Credit Card Debt - Interest Only Loans

Business

Rates on 30-year mortgages moved up again this week to their highest point in nearly four years.  The rising rates may cause home prices to fall.  As rates rise, so do the monthly payments to potential barrowers.  This may cause home sellers to lower their price. 

Frank Nothaft, Freddie Mac’s chief economist said “As a result of higher mortgage rates, housing market activity is beginning to slow."  Associated Press writer, Jeannine Aversa, says that mortgage rates rose as Wall Street investors fretted that inflation might pick up.  Their worries were fanned by government reports released earlier this week showing big increases in both wholesale and consumer prices for March.

But what about credit card payments? This year Credit Card Issuers were required to double their minimum payments from 2% to 4% of the loan balance.  The Credit card companies actually fought this rule, but lost.  They make more money stringing purchasers out for longer periods of time. Consolidating Credit Card Debt - Interest Only Loans


Mother’s Day Gifts ­ Made By Moms - Ideas On How to Start a Home Based Online Business

Mother’s Day Gifts ­ Made By Moms - Ideas On How to Start a Home Based Online Business

Home Business

Looking for the perfect gift this Mother’s Day? Do your shopping online at the Mompreneurs® Marketplace—where all the products and services are mom-made.  Not only will you be honoring the special mother in your life, but you’ll be saluting and supporting mom-owned businesses.

 “Entrepreneurial moms know what other mothers need most,” say Ellen Parlapiano and Patricia Cobe, authors of Mompreneurs®: A Mother’s Practical Step-by-Step Guide to Work-At-Home Success. “They’ve started their businesses to attain family flexibility in their own lives, so it’s not surprising that their products and services are often designed to focus on the needs of moms and families.” Mother’s Day Gifts ­ Made By Moms - Ideas On How to Start a Home Based Online Business


What is Market and Limit Order? – Knowing How to Buy and Sell Stocks Could Save You Money – Also Stop Orders – All or None – Good Till Cancelled and Day Orders

What is Market and Limit Order? – Knowing How to Buy and Sell Stocks Could Save You Money – Also Stop Orders – All or None – Good Till Cancelled and Day Orders

Business

A market order is a order to buy or sell immediately, at the best price at that time.  There is no guarantee of price.  This means that if you are going to buy stock, it will likely be at or near the ask price of the stock.  If you are selling stock you will likely get a price at or near the bid price.

It is important to remember that the last-traded price is not necessarily the price at which the market order will be executed.  Asking and bidding prices may vary.  In a fast moving market, the price at which you actually get your sale or buy executed, may deviate more than a less volatile market (as compared to the last-traded price). What is Market and Limit Order? – Knowing How to Buy and Sell Stocks Could Save You Money – Also Stop Orders – All or None – Good Till Cancelled and Day Orders


Is Shelf Life Of Zicam Nasal Spray In Jeopardy?

Is Shelf Life Of Zicam Nasal Spray In Jeopardy?

Zicam

On January 20, 2006, Matrixx Initiatives, Inc, the maker of Zicam cold remedy products, agreed to settle a class action lawsuit by paying out $12 million to 340 plaintiffs, who claim Zicam nasal spray permanently damaged their sense of smell, a condition known as anosmia. In the summer or 2005, Matrixx also settled the only lawsuit that has gone to trial, with a 42-year-old computer consultant, for an undisclosed amount.

As of January 18, 2006, according to the company's filings with the Security and Exchange Commission, there were 49 different lawsuits pending against Matrixx involving approximately 400 individuals. Is Shelf Life Of Zicam Nasal Spray In Jeopardy?


The Importance of a Good Website ­ and a Good Logo - Who To Contact For Web Site Design and Templates - Online Business and Marketing

The Importance of a Good Website ­ and a Good Logo - Who To Contact For Web Site Design and Templates - Online Business and Marketing

Template Dogma

If you run a serious online business your website is probably the major contributing factor to your success, especially if it’s well-designed, user-friendly and informative. The company website is the prime connection between you and the all-important customer base, upon which every business relies. So it makes sense that everything a person sees on a website should project an image that is consistent with your corporate identity.   The Importance of a Good Website ­ and a Good Logo - Who To Contact For Web Site Design and Templates - Online Business and Marketing


Resume Writing - How to Write a Resume to Increase Salary

Resume Writing - How to Write a Resume to Increase Salary

Quill Ink Pen

Just about every job that pays better than the minimum wage will want a resume for your application.  If you are applying for a job that requires an application, the best thing is to be ready with all of your information and to write neatly.  You can put together a good resume if you work at it.  You can hire professionals to help you out in the process and prices can average around $125 for a cover letter and resume.

The cover letter is a brief introduction of yourself and is a lead into your resume.  It is a quick statement as to why you would be perfect for the position that you are applying for and should be short and to the point.  Do not write about anything about yourself that might be negative.  Put your best foot forward and be positive but also keep it simple. Resume Writing - How to Write a Resume to Increase Salary


Working from Home: Creating your first website - How To Start Your Own Home Based Business and Make Your Own Web Pages

Working from Home: Creating your first website - How To Start Your Own Home Based Business and Make Your Own Web Pages

Business

Starting a home-based business is a huge undertaking. Creating an online presence for your business can be equally overwhelming. Where do you begin to learn the basics of creating your first website? It’s actually much simpler than you’d think. Listed below are a few tips and tricks to make your first website pain-free.

First, you’ll need a Domain Name. A domain name is what your website visitors will type in to visit your website. For example, the domain name that you would type in to find Christian Work at Home Moms is www.CWAHM.com ­ “CWAHM” being the actual domain name portion of the website address. Working from Home: Creating your first website - How To Start Your Own Home Based Business and Make Your Own Web Pages


California First Time Home Buyer Program Offers Zero Down Payment Home Mortgage Loan

California First Time Home Buyer Program Offers Zero Down Payment Home Mortgage Loan

No Money Down

For a California first time home buyer, the down payment is probably the biggest hurdle. It has been planted in the buyer's mind that a twenty per cent cash down payment is required.

But the mortgage marketplace is changing and with a good income and good credit, homes can be purchased with zero down, one hundred per cent financing.  There are California lenders that have specialized programs that want to help people purchase their first home. Some programs are tailored for people with damaged credit, while most can help people with little saved for a down payment.

There are numerous lenders that specialize in loans for first time home buyers. Some of these lenders will even loan up to 103 percent of the home's purchase price to include closing costs. California First Time Home Buyer Program Offers Zero Down Payment Home Mortgage Loan


Welding Defects - How to Prevent Them!

Welding Defects - How to Prevent Them!

Welding

There are welding defects that are sometimes overlooked or not considered. Each welding project requires careful considerations. They include:

  • The process, the type of welding i.e. stick, MIG, TIG.
  • The composition of the base metal and thickness.
  • The welding position, i. e. flat, vertical, horizontal, overhead.
  • The weld joint and type.
  • Electrical supply and equipment.
  • And finally, the welding techniques to be used.
  • To minimize the chance of welding defects be sure to consider 1) the travel speed of the pass; 2) the size and type electrode; 3) machine settings; 4) make sure the welding is done in accordance with the plan and the current conditions. Welding Defects - How to Prevent Them!


    Search Marketing for Realtors ­ Reaching the Top!

    Search Marketing for Realtors ­ Reaching the Top!

    Local Real Estate Marketing

    For realtors the Internet can no longer be ignored. Significant numbers of home buyers on going online to do their preliminary research for real estate and agents. Recent surveys suggest over 50%. I personally know a number of local realtors, and it is interesting to see how some are easily adapting to this media, while others are sitting on the sidelines wondering why they are seeing a decrease in prospective buyers.

    The Internet is not going away, and if someone plans to make real estate a viable career they must incorporate online marketing in order to not only succeed, but to survive. So how can realtors cost-effective connect with potential customers? In addition to MLS listings, they can reach a very targeted audience through search engine marketing. There are basically two forms of search marketing, organic and pay per click advertising.  Search Marketing for Realtors ­ Reaching the Top!


    Local Internet Marketing - A Lesson From Curacao!

    Local Internet Marketing - A Lesson From Curacao!

    Fred Waters

    I just spent a relaxing week in Curacao, an island off the coast of Venezuela. We stayed at some quaint apartments overlooking a bay called the Spanish Waters. This place is really off the beaten path. Our day started with Costa Rican coffee on the patio only a few feet from the water. Big Sigh!

    The inn is owned by a charming couple, Raul and Sylvia. He gives scuba diving instructions and she teaches Salsa dance lessons. The name of the place is called the Limestone Holiday in case you're looking for an ideal location to rejuvenate.  Local Internet Marketing - A Lesson From Curacao!


    Apple Software Release - Apple Remote Desktop 3 has over 50 new Features

    Apple Software Release - Apple Remote Desktop 3 has over 50 new Features

    Apple Remote Desktop 3

    Apple releases a new version of Apple Remote Desktop 3 which is optimized for the Intel-based Macs and has over 50 new features.  Spotlight, Dashboard and Automator are some of the Apple Remote Desktop 3 features.

    “With Apple Remote Desktop 3, we’ve delivered powerful innovations that make it even easier and more affordable to manage Macs,” said Philip Schiller, Apple’s senior vice president of Worldwide Product Marketing. “Great new features such as remote Spotlight searching and customized Automator actions take advantage of innovations in Tiger and make Apple Remote Desktop 3 a valuable tool for anyone managing more than one Mac.”   Apple Software Release - Apple Remote Desktop 3 has over 50 new Features


    Online Real Estate Brokers Can Save You Thousands of Dollars - Both Home Buyers and Sellers can List or Research Houses for Sale

    Online Real Estate Brokers Can Save You Thousands of Dollars - Both Home Buyers and Sellers can List or Research Houses for Sale

    Save Thousands of Dollars

    If you are in the market to buy or sell a home, you may want to consider using online sources for your transaction.  Online real estate brokerage services were recently featured on an ABC News broadcast.  They discussed the pros and cons.  Of course, the traditional broker will provide better service, but it will likely cost you more.  If you are not afraid of filling out some forms and doing some research yourself, you could save thousands of dollars.  Online Real Estate Brokers Can Save You Thousands of Dollars - Both Home Buyers and Sellers can List or Research Houses for Sale


    California Reverse Mortgages Give Seniors Financial Security

    California Reverse Mortgages Give Seniors Financial Security

    Financial Security

    Over 150,000 seniors have already benefited from reverse mortgages. A California reverse mortgage is a loan that enables senior homeowners, age 62 and older, to convert part of their home equity into tax-free income-without having to sell their home, give up title to it or make monthly mortgage payments.

    The money can be used for anything, from daily living expenses, home improvements, healthcare expenses, paying off existing debts, or simply enhancing the retirement years. For many people, the money provides a "financial security blanket," in case unexpected expenses arise.

    You need not pay back the reverse mortgage loan to the lender nor make any monthly mortgage payments until the home is permanently vacated.  California Reverse Mortgages Give Seniors Financial Security


    Is Zillow a Good Alternative to Hiring An Appraiser?  How do Online Appraisals Compare to Professionals - What to Look For

    Is Zillow a Good Alternative to Hiring An Appraiser?  How do Online Appraisals Compare to Professionals - What to Look For

    Las Vegas

    If you’ve heard anything about Zillow and its so-called house price “Zestimates” in the past month, you’re likely to answer this question in the negative. Zillow is a online calculator created to offer the homebuyer and seller quick access to home values across the country.  It was was supposed to revolutionize the real estate industry.

    As of now, this has yet to occur. The brainchild of Rich Barton ­ the former CEO of Expedia who transformed the travel industry by making it easier for people to purchase plane tickets and travel packages online­ Zillow was hyped up as the next big thing and intensely marketed in the media. But in the end, the excitement petered out once people had a chance to try it out. At its best, Zillow misses the dollar value of a house by 5% - 7%. At its worst, property is undervalued by much more.  Is Zillow a Good Alternative to Hiring An Appraiser?  How do Online Appraisals Compare to Professionals - What to Look For


    Creative Financing Can Help Homeowners and Home Buyers – Equity Lines of Credit May Help Homeowners to Pay-Off Credit Card Debt

    Creative Financing Can Help Homeowners and Home Buyers – Equity Lines of Credit May Help Homeowners to Pay-Off Credit Card Debt

    Home Equity Line of Credit

    New nontraditional methods of financing have enabled many homebuyers to enter the market that would have had trouble otherwise.  This brings up the chicken or the egg question. Which came first: higher home prices or creative nontraditional financing?  Did the home sellers adjust their prices upward because of more available credit, or did the lenders adjust their tactics to help buyer qualify for homes that have increased in price? Creative Financing Can Help Homeowners and Home Buyers – Equity Lines of Credit May Help Homeowners to Pay-Off Credit Card Debt


    What to Look for When Choosing a Roth IRA – Compare Traditional IRAs to Roths – How to Save using Individual Retirement Accounts

    What to Look for When Choosing a Roth IRA – Compare Traditional IRAs to Roths – How to Save using Individual Retirement Accounts

    Where to put your money?

    A traditional Individual Retirement Account (IRA) is a tax deferred self funded retirement fund that allows you to contribute a limited yearly sum toward your retirement.  A Roth IRA is also a tax deferred retirement account, but once you turn 59 and a half and have had the Roth IRA at least five years, withdrawals are tax-free.  Neither IRA is subject to required minimum distributions after age 70 and a half.

    According to Humberto Cruz, a writer for the Tribune News Services, “For these reasons, many financial advisers recommend that people who have a traditional IRA and are currently in a low tax bracket consider converting all or a portion of it to a Roth IRA. To be eligible, your modified adjusted gross income on any year you convert, not counting the amount converted or IRA required minimum distributions, cannot exceed $100,000.”  What to Look for When Choosing a Roth IRA – Compare Traditional IRAs to Roths – How to Save using Individual Retirement Accounts


    What is a 401k and what are the Benefits of this type of Retirement Account

    What is a 401k and what are the Benefits of this type of Retirement Account

    Coins

    Your employer more than likely offers a 401k package.  You know it has something to do with retirement.  The 401k helps an individual save for retirement and usually there are some extra benefits offered by the company you work with.

    The government wanted to get people to save for retirement.  In 1978, The Tax Reform Act was passed.  It gave people a way to lower their state and federal taxes and save for retirement at the same time.  The name 401(k) got its name from the Internal Revenue code from the section 401 and paragraph (k).  It wasn’t until 1982 when the 401(k) was offered for the first time with a tax break.  The final regulations for the 401(k) were completed in 1991.

    There are other retirement plans available.  That is were some of the confusion is, there are IRA’s SEP’s and money purchase plans along with the 401(k) plans.  These plans are also called a “defined contribution plan”, which means that the dollar amount is previously defined by either the employee or the employer.  What is a 401k and what are the Benefits of this type of Retirement Account


    EBay Selling - Google Base and others may be the new competitors to eBay

    EBay Selling - Google Base and others may be the new competitors to eBay

    eBay website

    Google Base is in development by Google at this time.  It is relatively new service that Google has added at this time. Google is starting to put together a payment system similar to eBay’s Paypal.  There are a few different ways to sell your stuff online and eBay may be just another one of those options.

    At this time Google Base is free to list your items for sale.  There is a goal to have a link from a Google Ad to link to the Google Base and if the sale is completed there will be a commission paid to Google.

    The cost for marketing with Google is planned to undercut the eBay listing fees and final fees.  If you are not using the complete service I believe it could still be free.  While there are other auction sites out there like, Yahoo Auctions and Overstock.com Google has a good chance of getting people to use the service because the service at this time is free.  EBay Selling - Google Base and others may be the new competitors to eBay


    60 Minutes News Program Highlights Hedge Fund Lawsuit Filed By Biovail – What Is Selling Short and What Does it Mean?

    60 Minutes News Program Highlights Hedge Fund Lawsuit Filed By Biovail – What Is Selling Short and What Does it Mean?

    Money

    The CBS News show 60 Minutes had a segment on hedge funds and specifically a dispute and lawsuit filed by the Canadian Company Biovail against one of the world’s largest hedge funds, SAC.  According to Lesley Stahl, hedge funds have little government oversight and operate in secrecy.

    In this specific case the lawsuit alleges SAC influenced the analysis of Biovail stock.  They allege SAC influenced the stock-analysis firm Camelback (The Arizona company has since changed their name to Gradient).  Camelback gave the biotech firm an “F” rating, hinting at accounting irregularities among other things.  This caused Biovail stock to plummet.   60 Minutes News Program Highlights Hedge Fund Lawsuit Filed By Biovail – What Is Selling Short and What Does it Mean?


    Investing - Should you buy your Company's Stock Options?

    Investing - Should you buy your Companies Stock Options?

    Antique Stock Certificate

    Stock options are offered to employees at a company as part of a benefit package.  The stock option offered by the employer is usually available for an employee to buy at a set price for a defined time period.  If the company stock goes up in value the employee is still able to purchase at the lower price.  If the price of the stock plummets to below the stock option pricing than it offers no value to the employee.

    Why companies offer stock options is for tax breaks.  The company can deduct the expenses on the taxable income.  The accounting department’s financial statement does not reflect the deduction in their financial statement which makes the company look good on the stock market.  The tax break they gain is also well worth it.  Investing - Should you buy your Company's Stock Options?


    What to Look For When Shopping For Loan - What Are Fannie Mae - Freddie Mac - FHA HUD and VA Loans - Government Assistance For First Time Home Buyers

    What to Look For When Shopping For Loan - What Are Fannie Mae - Freddie Mac - FHA HUD and VA Loans - Government Assistance For First Time Home Buyers

    What to Look For

    The good thing about loan programs is that there are so many loans to choose from.  The bad thing about loan programs is that there are so many loans to choose from.  So how do you decide what loan fits you best? 

    If you have at least 3% of the loan amount for a down payment, you might consider the most common type of loan, a conventional loan.  These are conforming loans, which are secured by government sponsored entities (GSE) such as Fannie Mae (FNMA), and Freddie Mac (FHLMC).  Jumbo loans (or loans for large amounts of money) must be funded by private investors.  Jumbo loans exceed the amounts set by GSE’s.  What to Look For When Shopping For Loan - What Are Fannie Mae - Freddie Mac - FHA HUD and VA Loans - Government Assistance For First Time Home Buyers


    Oprah’s “Debt Diet” - Four Steps To Get Out of Debt - How to Pay-Off Your Debt and Save Money - Dieting for Lower Payments and Frugality

    Oprah’s “Debt Diet” - Four Steps To Get Out of Debt - How to Pay-Off Your Debt and Save Money - Dieting for Lower Payments and Frugality

    Ways to Save Money

    Oprah Winfrey is running a very informative series of shows with practical methods for dealing with debt.  I am talking about the Debt Diet programs.  She broke the strategy into 4 steps, the first being determining how much you really owe.

    Many people do not even know what they owe.  Jean Chatzky said that even if they do know, their spouse doesn’t.  It is important to pull out your bills and total your expenses and debt.  The experts agreed that it is important to know what you owe before you make a plan for repaying it. Oprah’s “Debt Diet” - Four Steps To Get Out of Debt - How to Pay-Off Your Debt and Save Money - Dieting for Lower Payments and Frugality


    Charter Airline Management - Online Booking Software for Low-Cost Budget Airlines

    Charter Airlines Management - Online Booking Software for Low-Cost Budget Airlines

    airplane

    The fast pace of low cost and charter airlines management can be a great source of frustration and stress for those that perform endless and countless manual tasks. In today’s modern and powerful whirlwind business of technology and source information management, there is a solution that allows companies to maintain high quality service, to improve productivity and to efficiently use a single unified system, at all company branches.

    The system software is an online booking system for low cost and charter airlines, which includes IT management, enabling administrative land and air components in the same core system. Concurrently, dynamic new services can be added and immediately respond to market trends, gaining a truly competitive edge. The solution is offered from Formula Travel Solutions (FTS). It is the AMSYS 2000 software system.  Charter Airline Management - Online Booking Software for Low-Cost Budget Airlines


    How to Hire a Virtual Assistant - Your 10-Step Guide to Finding the Perfect Fit

    How to Hire a Virtual Assistant: Your 10-Step Guide to Finding the Perfect Fit

    Antique Typewriter

    As a savvy solo or small practice professional, you know you can’t do everything yourself. Whether you are capable or not, you understand that your time is most intelligently focused on activities that grow your business and make you money.

    These days, outsourcing your administrative work to a Virtual Assistant (or VA) makes it very easy to get just the amount of support you need without the expense of costly in-house staff. But how do you find a highly skilled, truly qualified Virtual Assistant? Below are some practical points to consider and questions to ask as you go about the selection process.

    1. Website

    Since Virtual Assistants operate virtually, it’s important they have an online presence. A website can yield critical clues as to the VA's competence and professionalism. As you look through the website, ask yourself: How to Hire a Virtual Assistant - Your 10-Step Guide to Finding the Perfect Fit


    Home Equity Loans Pros and Cons - Warnings From The FTC and What to Look For When Shopping For a Home Loan - Bad Credit Refinancing

    Home Equity Loans Pros and Cons - Warnings From The FTC and What to Look For When Shopping For a Home Loan - Bad Credit Refinancing

    Home Equity Loans

    Prospective borrowers should be aware of scams and other problems associated with some lenders, especially if the borrower has bad credit.  The Federal Trade Commission (FTC) urges you to be aware of these loan practices to avoid losing your home. 

    Some lenders may actually want to “steal” your equity by asking you to pad your income in order to qualify for a loan.  When you are unable make your payments the lender will foreclose your home and “strip” you of your equity.  There may be hidden costs associated with the foreclosure or you may be forced to pay exorbitant prepayment penalties.  The FTC recommends all barrowers not pad their income and read the fine print to avoid these penalties.   Home Equity Loans Pros and Cons - Warnings From The FTC and What to Look For When Shopping For a Home Loan - Bad Credit Refinancing


    Travel Agent and Tour Operators - How to Choose a Computer Reservation System

    Travel Agent and Tour Operators - How to Choose a Computer Reservation System

    computer system

    It is obvious, no two tour-operators are exactly the same, each has specific needs based on the structure and service offered, location, area of operation, etc. In an optimized world, all these unique tour operators would have a computer interface reservation system exactly matched to their needs.

    However, the costs associated with the development of such unique and complex systems are very high, not to mention the IT costs associated with updating and maintaining such a system. Therefore, it makes much more sense to purchase a system that pertains to many common elements and functions of tour operators in general, and then tailors the system with built-in options that in the end produces a unique system that matches the company’s needs.  Travel Agent and Tour Operators - How to Choose a Computer Reservation System


    Travel Agent and Tour Operators - Current Trends in Tour Operator Systems - Computer Software TOPAX Review

    Travel Agent and Tour Operators - Current Trends in Tour Operator Systems - Computer Software TOPAX Review

    TOPAX

    For the Tour Operator, the fast paced world of managing thousands of tasks at the same time can be daunting. Current trends in the integrated / travel agency software and systems designs have led to far-reaching conclusions about the now and future direction of tour operator systems. Many agree that full integration, automation and simplicity are the only reasonable strategies to boost tour operations life cycle efficiency.  Travel Agent and Tour Operators - Current Trends in Tour Operator Systems - Computer Software TOPAX Review


    Types of Reverse Mortgages - How to Qualify and Things to Look Out For When Shopping for a Reverse Mortgage

    Types of Reverse Mortgages - How to Qualify and Things to Look Out For When Shopping for a Reverse Mortgage

    Cash Poor & Equity Rich

    Many older Americans over the age of 62 may find themselves in a position of cash-poor while sitting on a large sum of equity.  Reverse Mortgages are one option for paying off medical bills, supplementing income, or a method of making retirement more enjoyable with travel.  Whatever the reason for considering a reverse mortgage, we have learned that there are a few things to consider before signing on the dotted line.

    There are three types of reverse mortgages.  The first is a single-purpose reverse mortgage which may be offered by some state and local government agencies and nonprofit organizations.   The loans usually have a very low cost, but they are not available everywhere.  The barrower may need to be low to moderate income and have a specific use intended for the funds such as home improvement, property taxes, or health expenses.  Types of Reverse Mortgages - How to Qualify and Things to Look Out For When Shopping for a Reverse Mortgage


    Who Should Get a Interest Only Loan?  Compare IO Loans to Fixed Rate Mortgages (FRMs) and Adjustable Rate Mortgages (ARMs) Before Deciding

    Who Should Get a Interest Only Loan?  Compare IO Loans to Fixed Rate Mortgages (FRMs) and Adjustable Rate Mortgages (ARMs) Before Deciding

    Interest Only Home Loans

    Interest Only (IO) Loans may be practical if you are planning on selling the home within the next 10 years or less.  The payments will typically be lower than fixed rate mortgage (FRM), but the loans may include a balloon payment at the end of the term.  In other words, if you take a loan out for $40,000, you may pay interest only for ten years, but after ten years the loan may be due in full.

    Some lenders will offer IO loans, where after the specified interest only period, the loan principal can still be paid off in installments.  This may sound better, especially if you are planning to sell your home.  You will have access to the equity at a relatively low monthly cost.   Who Should Get a Interest Only Loan?  Compare IO Loans to Fixed Rate Mortgages (FRMs) and Adjustable Rate Mortgages (ARMs) Before Deciding


    How to Keep Credit Card Bills Low and Save Your Credit – Advantages to Refinancing Your Home or Taking Out A Second Home Loan On Your House

    How to Keep Credit Card Bills Low and Save Your Credit – Advantages to Refinancing Your Home or Taking Out A Second Home Loan On Your House

    Credit Card Solutions

    Some credit card holders pay their bill off every month, and basically use the cards for convenience.  Others may find themselves in a bind due to hospital bills or expenses due to operating a business.  What ever the reason for the revolving credit card balances, there are things you can do to keep your bills lower.

    Of course the first thing to do is pay the bills on time.  If you are late, and it is your first time, the late fee could be waived.  You will need to call your credit card company and ask though.  If you are late, make every effort to pay it as soon as possible.  Every negative entry on your credit could cost you.  How to Keep Credit Card Bills Low and Save Your Credit – Advantages to Refinancing Your Home or Taking Out A Second Home Loan On Your House


    Selling on eBay – Drop Shipping to help grow your eBay Business

    Selling on eBay – Drop Shipping to help grow your eBay Business

    Shipping Box

    One way you can grow your eBay business without a big investment and a large shipping warehouse is using companies that offer drop shipping services.  While some companies promote that they are drop shipping company, others are regular wholesalers that will do this service.  Sometimes you may pay a couple extra dollars for handling costs for the drop shipping services but it can be well worth it if you are limited in space and don’t want to invest in a large inventory.

    If you do participate with one of the drop ship companies make sure to do your homework.  They charge a membership fee.  They offer large inventory of products, however are you going to be able to make a profit from the inventory that they have listed.  A benefit to participating with one of these companies is that they often have a website that you can create and make it your own website.  Selling on eBay – Drop Shipping to help grow your eBay Business


    Disaster Preparedness - Five Top Tips Everyone Needs to Know when Disaster Planning for your Family and your Business

    Disaster Preparedness - Five Top Tips Everyone Needs to Know when Disaster Planning for your Family and your Business

    Hurricane

    Hurricane Katrina, one of the most powerful hurricanes in our nation’s history, Hurricane Wilma and Hurricane Rita’s left behind catastrophic damage.  Families were displaced; homes destroyed, and now come the task of trying to put the puzzle together.  This task remains difficult even today.  For those who aren’t in the effected areas, you have no idea how hard the day-to-day struggles are. 

    You long for life to return to normal, but everyday brings new challenges of the devastation caused by these disasters. And it’s not just hurricanes that can cause this damage. The Mideast recently got hit with record number of tornados, over 100 in one day.  The nation has experienced floods, mudslides, wildfires, and then the constant threat of a pending terrorist attack. Are you ready?   Disaster Preparedness - Five Top Tips Everyone Needs to Know when Disaster Planning for your Family and your Business


    Are All Replacement Car Parts the Same? - What to Look for When Buying Auto Parts Online

    Are All Replacement Car Parts the Same? - What to Look for When Buying Auto Parts Online

    AutopartsWarehouse.com

    It is obvious that each different make and model of vehicle has different parts required. Each different vehicle has varying features, unique performance components and packaged characteristics to be addressed in terms of replacement parts, or in terms of custom and/or high performance offerings from the after-market parts industries.

    It is rare to find a line of vehicles that utilize the cookie cutter method of Original Equipment Manufacturers (OEM) parts, that is, a one-part-fits-all type of approach. This was how the automotive industry started out, but it hasn’t been seen for nearly a Century. Variations are not just common for parts, but for entire systems.

    In today’s market a case can be made for a movement toward standardizing of auto parts across the board. Many new items are engineered from the ground up, and it is expensive to do so. Are All Replacement Car Parts the Same? - What to Look for When Buying Auto Parts Online


    Internet Marketing - Five Reasons Podcasting Might Be Right For Your Home-based Business

    Internet Marketing - Five Reasons Podcasting Might Be Right For Your Home-based Business

    Apple iPod

    Podcasting has been called the wave of the future. The truth, however, is that podcasting is the here-and-now and is rapidly gaining momentum across the world. There are podcasts available for just about any topic you can think of from cooking to video games to religion.  As of February 2006, a Google search for the term “podcast” returns over 205,000,000 results. The amazing reality of this is that it is still, in effect, an untapped market that will continue its growth in the years to come.

    Podcasting can have many uses for the home-based business owner. It can be useful not only advertise, but to also communicate your business message. Below are 5 tips on how to use podcasts to benefit your business:  Internet Marketing - Five Reasons Podcasting Might Be Right For Your Home-based Business


    Microsoft Lawsuit Filed Against Eight eBay Seller - Alleges Pirated Software Sold on Online Auction Site

    Microsoft Lawsuit Filed Against Eight eBay Seller - Alleges Pirated Software Sold on Online Auction Site

    Ebay Website

    Microsoft (MS) is suing eight sellers on eBay for distributing counterfeit computer software.  According to Microsoft, all but one seller was targeted when customers used the Microsoft online verification program called Windows Genuine Advantage.

    This legal action is meant to “protect its legitimate business partners and customers from dishonest business practices and the risks associated with pirated and counterfeit software”, according to MS.  The company hopes to educate buyers that the low priced software offers are not always what they appear to be. Microsoft Lawsuit Filed Against Eight eBay Seller - Alleges Pirated Software Sold on Online Auction Site


    Internet Marketing Strategies for Local Business

    Internet Marketing Strategies for Local Business

    Google Maps reviews local restaurants

    Now more then ever profitable opportunities exist to promote your local business on the Internet. Through search engine optimization, pay per click advertising, email marketing and local listings, you can connect with a willing audience. Your customers are turning to the Internet to find local products and services. If your competitors have an online presence and you don't, guess who gets to take home the prize.

    Below are several crucial techniques for promoting your business regionally: Internet Marketing Strategies for Local Business


    How to start a Baby Shower Gift Basket Business - Five Top Tips For Making A Diaper Cake

    Baby Shower Gift Home Business - Five Top Tips For Making A Diaper Cake

    Diaper Cake

    Diaper Cakes are becoming more popular for baby showers and newborn gift ideas. These cakes, which offer everything a new mom needs for her new bundle of joy, can make any baby shower unforgettable. Not only do they leave a lasting impression, but the new mother can use every item in the cake, from the blankets to the diapers, thus providing a fun and useful gift for the proud mom-to-be.  You can make them a three layer to just a one layer depending on the size gift you want to send.

    Here are top five tips to making a diaper cake.

    Fill your cakes with items you know the mother will be using. Diapers and blankets we all know, but items like baby lotions, powder, hand sanitizer, nail clippers, bottom balm, or Vaseline. You may also include a bottlebrush, baby bottle, scratch mittens and so on.  How to start a Baby Shower Gift Basket Business - Five Top Tips For Making A Diaper Cake


    Spam Software - Official Spam Filter uses Bayesian Algorithm to Fight Spammers

    Spam Software - Official Spam Filter uses Bayesian Algorithm to Fight Spammers

    Official Spam Filter Software

    The most prolific and path breaking innovation of last century had been the developments in the communication field. It literally changed the business working, product marketing, support services and most importantly, the advertisement campaigns.

    But just like all goods things comes with a price, so was the communication. It brought in the problems of Spam Emails. Automated mailers with mass mailing capabilities, growing marketing dependencies on this tool have seen the large losses in terms of time and money. Spam Software - Official Spam Filter uses Bayesian Algorithm to Fight Spammers


    Investment Strategies for Retirement - How to Buy Mutual Funds including Equity, Index, Money Market and Bond Funds - Load Versus No-Load Funds

    Investment Strategies for Retirement - How to Buy Mutual Funds including Equity, Index, Money Market and Bond Funds - Load Versus No-Load Funds

    New York Stock Exchange

    Planning for retirement can be challenging, especially when you are trying to figure out the best strategy to make sure all your future needs are met.  The first step is determining what your retirement is going to cost. 

    You will need to total your annual expenses in retirement.  This total may range anywhere from 70% to 90% of your current income. If you plan it right, your home will be paid off or you may want to move into a smaller house.  Some of the complicated estimates include determining future health care costs or insurance premiums.  It can be difficult to predict the future inflation and other factors.

    Since most people don’t have time to keep track and research stocks to figure out which is best (or maybe they find better things to do with their time), many investors turn to mutual funds.  Mutual fund companies invest their money in stocks, bonds and other securities.  Each investor owns shares, which represents a portion of the funds holdings.  Investment Strategies for Retirement - How to Buy Mutual Funds including Equity, Index, Money Market and Bond Funds - Load Versus No-Load Funds


    Zestimate Offers Free Instant Online Appraisals – Zillow.com Helps Determine What Home is Worth – Appraisers and Broker Agent Business

    Zestimate Offers Free Instant Online Appraisals – Zillow.com Helps Determine What Home is Worth – Appraisers and Broker Agent Business

    Zestimate Map

    There is a new website that may make appraisal fees a thing of the past.  At least that is what some have speculated about Zillow.com (otherwise known as Zestimate).  Rich Barton, Zillow chairman and CEO said “Until now, finding out a current market value of any home -- whether it's yours or one you want to bid on -- has been quite difficult.” 

    Banks pay appraisers $300 or more for appraisals, depending on the difficulty of the valuation.  Most of the time appraisers can look at the property, take some pictures and compare the subject property to comparables.  This is a relatively simple process for track homes, but can become more difficult for older homes or non-conforming houses. Zestimate Offers Free Instant Online Appraisals – Zillow.com Helps Determine What Home is Worth – Appraisers and Broker Agent Business


    Make Money This Easter With Your Own Personalized Letter Writing Business

    Make Money This Easter With Your Own Personalized Letter Writing Business

    Letters

    Most likely you’ve heard about the business of selling personalized letters from Santa during Christmas time, but did you know this business could actually be run throughout the year?

    Spring is going to be on us before we know it and we all know that means Easter is on its way. The Easter Bunny is usually a pretty quiet guy, but thanks to the letter writing business, we can help him break his silence.

    Can you imagine how excited a child will be when they get a letter from the Easter Bunny? Kids love Easter! The candy, colored eggs, Easter egg hunts - most kids are very familiar with the Easter Bunny who secretly drops off their Easter Basket each year. Make Money This Easter With Your Own Personalized Letter Writing Business 


    Why You Can Make Money Teaching Parents to Sign To Their Hearing Babies - Sign Language Business Helps Children

    Why You Can Make Money Teaching Parents to Sign To Their Hearing Babies - Sign Language Business Helps Children

    Kindersigns

    It’s becoming more and more popular. Parents are jumping at the chance to teach their hearing babies how to sign using American Sign Language. Babies as young as 6 months old are telling their parents they hurt and need medicine. Think about how less frustrating your life as a parent would be if your baby could tell you what was wrong with them?

    Diane Ryan, founder of Kindersigns, as well as a Speech and language Pathologist is the expert when it comes to teaching the program of sign language to parents.  In 2001 Diane founded KinderSigns, a Florida based practice devoted solely to teaching parents how to communicate with their babies before they can speak. Why You Can Make Money Teaching Parents to Sign To Their Hearing Babies - Sign Language Business Helps Children


    EBay’s “Buy It Now” feature might be closed down because of Patent Infringement

    EBay’s “Buy It Now” feature might be closed down because of Patent Infringement

    Ebay's Buy It Now

    EBay was found guilty by the federal government against a patent infringement dispute with MercExchange LLC over the “Buy It Now” feature.  The “Buy It Now” feature lets a person complete an auction instantly at a fixed price instead of waiting of an auction to complete at a later time.

    It is estimated that about one-third of eBay sales are completed with the “Buy It Now” feature.  It is often a selling point to items that are new and a person wants a fast turn around.

    EBay at this point did not have an injunction to stop using the features yet.  The district court made the decision to deny an injunction. However, an appellate court reversed that decision.  EBay’s “Buy It Now” feature might be closed down because of Patent Infringement


    Lower Monthly Credit Card Payments By Refinancing or Taking out a Second Loan - Consolidate Credit Cards into an Equity Line Of Credit

    Lower Monthly Credit Card Payments By Refinancing or Taking out a Second Loan - Consolidate Credit Cards into an Equity Line Of Credit

    Cash When you Need It

    Now that credit card companies are forced to double their minimum payments, many who relied on the funds for medical emergencies or business may find themselves in a financial bind.  New bankruptcy laws may make it more difficult to shake this debt as well.  Taking a second on your house or refinancing may become more appealing.

    Many financial gurus say this is a bad idea because you are taking unsecured loans and turning them into secured loans with your house as collateral.  But if you truly intend on paying off the loans, it might make since, especially if interest rates go higher.  In fact it might be the right time to consider consolidating your debt or taking out a line of credit, whether you use it or not.  Lower Monthly Credit Card Payments By Refinancing or Taking out a Second Loan - Consolidate Credit Cards into an Equity Line Of Credit


    How To Start A Candy Wrapping Business - Holiday and Special Occasion Gift Baskets / Wrappers

    How To Start A Candy Wrapping Business - Holiday and Special Occasion Gift Baskets / Wrappers

    Basket

    What woman doesn’t love chocolate? Combine that with all the emails I get from moms who want to find a business where they are able to make money with their home computer and boy, have I got an idea for you! Chocolate + your computer = your new home business!

    If you haven’t heard about the business of candy wrapping then let me give you a quick explanation. This is where you take a candy bar and you design and print your own wrapper to put over the candy bar’s original wrapper. Now you might be wondering why would someone want to do this? Well these favors make wonderful birthday and wedding favors. They are great for special events and get-togethers like family reunions and retirement parties, and can be used in fundraising events. How To Start A Candy Wrapping Business - Holiday and Special Occasion Gift Baskets / Wrappers


    Successful Marketing Online - To Blog or Not to Blog — That Is the Question!

    Successful Marketing Online - To Blog or Not to Blog — That Is the Question!

    Blogger.com website

    Hamlet, rather Shakespeare, please forgive me. The old Bard’s prose has never been more relevant when it comes to Internet Marketing. If you want to thrive on the Internet, and “not suffer the slings and arrows of outrageous fortune,” then read on. The objective of a web site is to have as many people view it as possible, provide useful information to sell your products and services, and to make money.

    One way to accomplish this is to drive traffic to your website. That means Blogging. It’s effective, painless and best of all easy to set up and maintain. For the uninitiated, a Blog is an online journal where you control the content and the postings. You can Blog about anything you think your audience will want to read. It can be your own articles, press releases, other people’s content, current happenings ­ both personal and business oriented, successful projects, events, testimonials, resources, etc. Plus, you will want to have the postings contain hyperlinks to other sites (more on this later).  Successful Marketing Online - To Blog or Not to Blog — That Is the Question!


    Five Ways to Market Using Email - Internet Marketing the Home Business

    Five Ways to Market Using Email - Internet Marketing the Home Business

    Authors Business

    There are many ways to market a home-based business. But one of the simplest ways is to use an every day business tool ­ email. By using these five easy tips you’ll see how easily your business can grow without much effort on your part. 

    1. Use a Professional Signature ­ This is an important tip to use on every email that you send. Even your friends may not always remember your website address or business phone number and will quickly look to an old e-mail to look it up.

    When preparing an email signature it’s important to include Your Name, Company Name, and your Physical Address or Website Address.  You may also include your phone number.  Five Ways to Market Using Email - Internet Marketing the Home Business


    Pfizer Disputes New Zealand Celebrex Heart Attack Link Study - Merck & Co Wins Second Vioxx Lawsuit

    Pfizer Disputes New Zealand Celebrex Heart Attack Link Study - Merck & Co Wins Second Vioxx Lawsuit

    Celebrex

    A New Zealand study found that People taking Celebrex were twice as likely to suffer a heart attack as those using other pain relief treatments.  A similar drug, Merck & Company’s Vioxx, had been removed from the market in September 2004 because of safety concerns. 

    The research, conducted by the New Zealand Medical Research Institute, entailed reviewing six studies of 12,780 patients.  The researchers wanted to determine if the problems associated with Vioxx were also associated with Celebrex. 

    Both Vioxx and Celebrex are cox-2 inhibitors, commonly prescribed for treating arthritis pain.  The study found that there was a 1.88-fold increased risk of heart attack with Celebrex, compared with the other arthritis treatments.  Pfizer Disputes New Zealand Celebrex Heart Attack Link Study - Merck & Co Wins Second Vioxx Lawsuit


    Selling on eBay - Researchers find the most profitable Auctions depends of the Price of Item and Shipping Costs

    Selling on eBay - Researchers find the most profitable Auctions depends of the Price of Item and Shipping Costs

    Sort By Price on eBay

    A recent study that economics professors at the UC Berkeley Haas School of Business and Hong Kong University of Science and Technology found that you can boost your profits by starting with a low opening bid price and charge higher shipping charges.  They study was first reported in the current edition of Advances in Economic Analysis & Policy.

    According to eBay rules you are not supposed to raise shipping cost to avoid eBay fees, but those that do this which are many, are usually making more sales on eBay.  You may be faced with account suspension, but it seems like these sellers open new accounts regularly to compensate to get these profits.  Selling on eBay - Researchers find the most profitable Auctions depends of the Price of Item and Shipping Costs


    Family Debt increased and more may be forced into Bankruptcy

    Family Debt increased and more may be forced into Bankruptcy

    Bankruptcy Court

    Debt in the United States has increased dramatically from 1994 through 2004.  More families have more credit card debt and owe more money for their mortgages.

    According to a CBS News Sunday report there is a 2.1 trillion dollar debt in the United States, not including mortgages.  The average American has went into debt more, in 1994 there was and average credit card debt of $4,301 compared to $9,312 in 2004.  Family Debt increased and more may be forced into Bankruptcy


    The Journey to Success in your Home Based Business

    The Journey to Success in your Home Based Business

    Authors Book

    Work at Home Success -- How do you measure the success in your life?  As a home-based working mom it’s so different than the outside corporate world. I know for me, one day it can be a call from Borders that they are accepting one of my books, where another day it can be that I finally got my 8-year-old to go on a field trip at school.

    The last two she had missed being too scared to attend and instead spent the day home, sick.  Both days, I consider huge successes!  Both days, I felt a real winner! Home based success can mean the little things such as a day we get all our work done while attending a sick child, or being one of the only parents able to attend a school function that your daughter so eagerly anticipated. That’s what we are trying to achieve in our home-based business, the best of both worlds.  And having worked at home since 1985 I can truly say, it can be done.  The Journey to Success in your Home Based Business


    Value Investing Fundamentals - Warren Buffett Learned the Investment Strategy from Benjamin Graham

    Value Investing Fundamentals - Warren Buffett Learned the Investment Strategy from Benjamin Graham

    Warren Buffett

    Most investors know who Warren Buffett is.  He is the billionaire investor from Omaha Nebraska that sits down with a pen and paper to fill out his IRS tax forms by hand.  He likes to invest in companies he understands.  He expects to hold on to his investments for a long period of time. 

    Buffett is considered a “value investor”, and was influenced heavily by his Columbia University professor Benjamin Graham (1894 – 1976).  Buffett credits Graham with giving him his grounding and a sound intellectual framework for investing. 

    Value investors look for stocks that are unjustifiably under-priced.  This is done by analyzing the fundamentals to find out what the “intrinsic worth” of the company is.  This value is often overlooked by investors.  Value Investing Fundamentals - Warren Buffett Learned the Investment Strategy from Benjamin Graham


    Ebay Selling - How to determine what to sell on Ebay

    Ebay Selling - How to determine what to sell on Ebay

    Ebay Search Options

    If you have started to sell on eBay and want to add more items to sell on your eBay auctions, you might want to consider a couple things before you making investment in inventory.

    Find out if the item you want to sell is a popular item.  This can be a good and bad thing.  A good thing about a popular selling item is that it will often sell quickly if the price is right.  The bad thing about popular selling items is that the market can be over flooded with the same item.  The profits may be very low and there are other sellers that tend to sell low and charge high shipping rates to make up the profit.  It is against eBay selling rules to over charge on shipping to make up profits; however it seems like this is a common practice on eBay.  Ebay Selling - How to determine what to sell on Ebay


    Profitable Real Estate Internet Marketing Strategies

    Profitable Real Estate Internet Marketing Strategies

    Using the Internet to Market

    More and more people are turning to the Internet to find local resources. At the top of the list is the search for real estate and agents. The experts predict the next wave of the Internet will be local marketing.

    Currently the real estate industry is leading the way with estimated online marketing expenditures exceeding $1 billions for 2005. That amount is expected to grow substantially over the next few years. There are those realtors who have figured out how to successfully market online, and are reaping the rewards. What are those rewards?

    A source of new customers at a much lower cost per acquisition. As a realtor here are some facts that you simply can’t ignore: More then half (56 percent) of all consumers now use the Internet when buying real estate, which is up from 28 percent in 2000. When asked where they first learned about the home they purchased, 24% of buyers identified the Internet. Profitable Real Estate Internet Marketing Strategies


    Social Networking - The Next Great Marketing Medium?

    Social Networking - The Next Great Marketing Medium?

    myspace screen-shot

    There has been a virtual explosion of social networking sites in the past couple of years.  Even the big players like Google, Yahoo and MSN are getting into it.  With so much interest in how social networks work, one begins to wonder if there is marketing potential within these social networks?

    I’ve been watching social networking for some time now.  In fact I’m a member of various social networking sites including MySpace and LinkedIn just to name two. I joined partly because I wanted to see what they were, but more importantly to see what impact social networking would have on SEM in the coming years. I’ve been a member of various services for some time and the reach these sites have is incredible.
    Social Networking - The Next Great Marketing Medium?


    List Your Local Business for Free on Google and Yahoo

    List Your Local Business for Free on Google and Yahoo

    Get Local

    As a local business owner you wear many hats and you have countless responsibilities. Consequently you’re not always able to follow-up on opportunities that could advance your business. It is the nature of running a business. Once an awhile an opportunity comes along that you absolutely should not pass up. In this case it is a business listing on both Google and Yahoo local.

    Not only can it generate targeted traffic in your area, but the listing is FREE. And here is another reason why you need to jump on this, it doesn’t matter if you have a web site or not, you still qualify for the free listing.

    Why would you want a free business listing with Google and Yahoo? Because they are the two largest search resources online, and account for approximately 78% of the total search results. But even more important is the fact that your customers are searching for local products and services online in greater numbers. In some surveys it is suggest that as much as 25% of all Internet searches are local in nature. List Your Local Business for Free on Google and Yahoo


    Investing - Working with Transfer Agents Before you Send out RFP Request For Proposals

    Investing - Working with Transfer Agents Before you Send out RFP Request For Proposals

    Transfer Agents

    A transfer agent is the lifeline between your company and its investors, but what happens when you are not happy with the services being provided by your transfer agent or you run into unexpected problems?

    Rather than sending out RFPs (Request For Proposals) and seeking out another transfer agent, it is a much better idea to try and work things out with your current agent. This is the preferable route to take for most businesses, as it is much easier than the alternatives and should be chosen if at all possible. Seeking out another transfer agent and trying to make the switch might not be worth your while if you can remedy the situation with your current transfer agent.

    To fix the situation, you will need to open discussions with your transfer agent. Before beginning the process, make a list of items that you would like your transfer agent to improve upon and specify what level of service you expect them to provide. Place these points in order of importance - what improvements are most important to you, your company and top management?  Investing - Working with Transfer Agents Before you Send out RFP Request For Proposals


    The Power of Local Email Marketing

    The Power of Local Email Marketing

    Fred Waters

    As a local business owner you realize the opportunities available on the Web, but you probably do not have the time or money to invest into a full blown web presence. The obstacles and costs in building a web site keep many local businesses on the sideline. But as a local business there is an opportunity to exploit the marketing power of the Internet at little or no cost, and it does not require a web presence.

    Through email marketing you can have a direct conduit to both your customers and prospects. You may think email marketing is complicated, but that is a misconception. If you are already using email to correspond, then you are quite capable of advertising through virtual mail. In fact, if you are communicating to your customers through email, in a sense you are already marketing online.  The Power of Local Email Marketing


    Supporting Your Work at Home Wife - Home Business

    Supporting Your Work at Home Wife - Home Business

    Work at Home Life

    The new trend in our society is working from home. Many women are leaving the corporate world to come home and care for their families, but they still desire to contribute financially. It can be challenging to work from home, especially for women who have children to care for as well.

    Is your wife is one of the growing number of work at home moms? Here are ten key tips on supporting her:

    1.      Encouragement is key

    Sometimes all that your wife needs in order to be successful with whatever she is working on is a little encouragement.  Often times she won’t have anyone else around to give her the encouragement that she needs and you may be the only person that can give her the encouragement she needs.  Supporting Your Work at Home Wife - Home Business


    Enhanced Buying Power in Today’s Real Estate Economy

    Enhanced Buying Power in Today’s Real Estate Economy

    Investment Property

    Are you looking for a good investment property? This could be a piece of land to build on, an existing structure for rental purposes, or a home or condo that you will occupy. Yet, any of these purposes may lend themselves to investment advantages if you plan to build up some equity over the next few years before selling the property for a profit.

    If you do plan to resell the property within a relatively short amount of time, you will want to keep a few guidelines in mind when you go shopping for your property purchase.

    1. Location, location, location. Yes, as most realtors will agree, location is everything. Of course, that is not to say that some people have not turned around a house in a low-income neighborhood and made a nice profit on it, but for the most part, you want to buy something in a desirable neighborhood that will attract a good selection of buyers. Enhanced Buying Power in Today’s Real Estate Economy


    How to Get Top Dollar from Your Home or Condo

    How to Get Top Dollar from Your Home or Condo

    Get Top Dollar for Your Home

    Every property owner wants to receive the maximum profit from a home or condo sale. Although your property may already look great and represent a super offer to potential buyers, here are a few tips that can help to bring out its best features.

    1. Emphasize curb appeal as you work on your home’s external appearance. Trim the lawn and eliminate weeds. Dress up the porch or front door with a fresh coat of paint and hanging plants or a wreath. Set out a couple of cozy chairs, and pick up all the kids’ toys around the yard. Your front entrance will welcome or repel guests, setting the tone for their overall basic impression.

    2. De-clutter the interior. Remove junk like stacks of newspapers or magazines, pet toys, and stray blankets or mail. Store unused furniture in the attic or basement. Your rooms should look comfortable and lived in without feeling crowded. Cover worn spots in furniture with doilies or slipcovers. How to Get Top Dollar from Your Home or Condo


    The Top Five Realtor Skills That Will Sell Your Home

    The Top Five Realtor Skills That Will Sell Your Home

    Choose the right Realtor

    When shopping for a realtor, look for one who can get the job done. You want your property to be sold to a qualified buyer in the shortest amount of time possible. That means you need to find a real estate agent who knows the market, understands the economy, and is willing to position your home in an attractive market niche. Here are some of the most important qualities to look for when signing with a real estate agency to sell your home.

    1. Reputation. Does the agency enjoy a favorable reputation in the community? Are buyers and sellers eager to work with this company and its agents for real estate transactions? Avoid those with out-of-date or disreputable characters. Look for top-of-the-line realtors who know their stuff and will go out of their way to make a deal work for both buyer and seller. This doesn’t mean you have to go with the most expensive realtor, but rather, that you should look for one with a positive history of satisfied customers and productive sales.  The Top Five Realtor Skills That Will Sell Your Home


    Self-Predications creates Success or Failure in People

    Self-Predications creates Success or Failure in People

    Crystal Ball

    Instead of just making a list of thing you want to change about your life, you should understand that it is how you see yourself in the future that either makes or breaks your dreams.

    Making predictions about your future will increase the chance of actually doing it, says a research study published in the March 2006 issue of the Journal of Consumer Research.  They use an example of a person that predicts that they will do a socially good deed, like recycling.  The people that used the self-prediction technique increased their chance of actually doing the deed.

    The researchers call is “self-prophecy effect” which can be more beneficial from one person to another.  "A clear benefit of the self-prophecy technique is its simplicity: a question followed by a simple "yes" or "no" elicits behavioral change," said the studies authors, Eric R. Spangenberg and David E. Sprott from Washington State University.  Self-Predications creates Success or Failure in People


    Massage School - How to Become a Certified Massage Therapist

    Massage School - How to Become a Certified Massage Therapist

    New Mexico School of Natural Therapeutics

    Which friend doesn’t love to pass time away chitchatting while receiving a massage?  Which boyfriend doesn’t love to spend some quality time giving his girlfriend a backrub?  In any situation that it’s possible, we love to give and get massages. 

    However, when we join the real world where the job takes over, girlfriend gossip gatherings become rare, and the boyfriend, who has now become the husband, doesn’t have the time to rub your back, the stress adds up.  The fact is, our youthful, relatively stress-free lives and bodies were not in need of fixing yet, and massage was a fun and pleasant pastime in those days.  Massage School - How to Become a Certified Massage Therapist


    Can Your Realtor Negotiate the Best Sale For Your Home?

    Can Your Realtor Negotiate the Best Sale For Your Home?

    Home Sales

    When you get ready to sell your home, you want to be sure that the real estate agent who represents your property will do the best possible job. You may need to interview a couple of agents or realties before making a decision on which one should sell your property. Don’t hesitate to ask questions or talk to several realtors before choosing one to sell your home.

    How do you know if a realtor will do a good job for you? Here are some things to look for when choosing an agent.

    1. Look for a good communicator. This person should be able to explain complex terms clearly. He or she should be readily available, and return telephone calls within a reasonable amount of time. Can Your Realtor Negotiate the Best Sale For Your Home?


    Zillow Website will calculate what a Home is Worth – Offer’s Free Home Appraisals called a Zestimate

    Zillow Website will calculate what a Home is Worth – Offer’s Free Home Appraisals called a Zestimate

    Zillow.com offers Zestimates

    Every wonder what your house is worth?  Need to refinance your home or thinking of selling or buying?  The newly launched website Zillow.com, gives complete data on your home value much like an appraisal service will do.  It compares other homes in your area, offers satellite photos of a specified street.  It also compares daily interest rates and housing prices in general.

    The Zillow website calls there appraisals a “Zestimate” and offers daily tracking of your housing price much like a stock market analysis.  Zillow has a database of over 60 million home prices.  The majority of the prices are for the West Coast, and they are working on expanding the data to reach across the country.  They have East Coast locations that cover Boston and many home prices in Florida.  If you are on the East Coast, their data will reach your neighborhood soon.  Zillow Website will calculate what a Home is Worth – Offer’s Free Home Appraisals called a Zestimate


    How to Make Money Selling on Ebay - Full Time or in Your Spare Time - Power Selling Tools

    How to Make Money Selling on Ebay - Full Time or in Your Spare Time - Power Selling Tools

    eBay Sellers

    Gas prices are on the rise and many people are looking for new sources of income.  EBay may be a great way to add to your income and possibly a method of becoming self employed. This year Google has been called the fastest growing company in the history of the world, but back in 2004, eBay had that honor. 

    At that time, the Auction Sellers Resource said that there were 430,000 people who earned most or all of their income selling on eBay.  If you were to consider these sellers employees, eBay would be the second largest employer behind Wal-Mart.

    So how can you get started selling on eBay?  First you might want to start selling stuff around the house that you don’t want anymore.  Your ad presentation is very important.  Place your item on a white-board and background before taking the picture (or just scan it).  This will give you the professional look and get you more money for whatever you are selling.  How to Make Money Selling on Ebay - Full Time or in Your Spare Time - Power Selling Tools


    What you Need to Know about Treasury Notes - How to Buy Sell these Securities

    What you Need to Know about Treasury Notes - How to Buy Sell these Securities

    Early Note

    The United States Government offers several methods of investing.  Investors can buy Treasury Bills, Treasury Notes and Bonds.  This article will focus on Treasury Notes.  These Notes earn a fixed rate of interest every six months until maturity.

    Treasury Notes are issued for 2, 3, 5 and 10 year terms. Notes can be purchased from the U.S. government through their TreasuryDirect and Legacy Treasury Direct programs.  Treasury Notes can also be purchased through banks and brokers.

    Only individuals are allowed to hold TreasuryDirect accounts.  Notes can be held until maturity or can be sold before that point.  You can buy these through either the competitive or noncompetitive bidding process.  What you Need to Know about Treasury Notes - How to Buy Sell these Securities


    How to buy Treasury Bills for Short Term Investing

    How to buy Treasury Bills for Short Term Investing

    US Treasury Building

    With the rising interest rates it might be a good time to look at Treasury Bills.  Currently the Treasury is paying approximately 4.3 – 4.5 percent interest rate.  Treasuries Bills are a short term government backed securities and are considered one of the safest investments.  You bid on Treasury Bills at a lower price and in a short time period the government will pay the fixed amount when it is due.

    The minimum investment is $1,000 with increments of up to $1 million at a time.  You set up an account either through your bank or directly with the US Treasury.  Generally speaking, the shorter the term of the Treasury Bills the safer the investment tends to be.  If you are looking for a longer term investments the Treasury offers other products such as bonds.  How to buy Treasury Bills for Short Term Investing


    Pampering for the working professionals - Ten tips for a balanced work and social life

    Pampering for the working professionals - Ten tips for a balanced work and social life

    London

    Health experts worldwide resoundingly agree that workers in all labor categories must maintain a balance between their work and social lives.  The dangers of more or over work and less socializing cannot be emphasized enough especially for the Londoner.  The advantages to having an active social life are many. Finding a healthy balance between our work and social lives is not always easy but some efforts towards developing that balance can assure we stay productive on the job and at the same time have a satisfying and healthy personal life.

    We have all heard of the dangers of stress and overwork. But what about those of us that love to work or have to work for various reasons? There has to be more to life than working at our jobs. How do we find a balance that keeps us healthy in both these important areas of our lives?  Years of research and scholarly studies from experts in the UK, London, and worldwide have found the answers to these questions.  Pampering for the working professionals - Ten tips for a balanced work and social life


    Stock and Mutual Fund Investing Strategies for Beginners

    Stock and Mutual Fund Investing Strategies for Beginners

    Follow the numbers

    I remember my uncle once told me he relied on some “pros” to handle his investments.  At that time I thought it was a mistake but I was too young to understand why.  Almost all of he experts I listen to today say this is mistake. 

    This is the primary reason why most investors fail.  This includes nearly all full-service brokers who charge commissions.  Even the ones that handle actively managed mutual funds should be avoided.  There could be a conflict of interest between the managers who run the funds and the shareholders who own them.

    The primary purpose of “financial services” is to pull your money from your wallet.  There is heavy emphasis on marketing and the cost structure benefits the managers, not you.  Stock and Mutual Fund Investing Strategies for Beginners


    Profile of a Successful Teleseminar Campaign

    Profile of a Successful Teleseminar Campaign

    Web Success

    Teleseminars are an excellent vehicle to increase your visibility, effectively promote your products and services, and keep them coming back for more! They are a must have tool in your online marketing arsenal. They will position you as an expert in the field and give you a chance to soft sell your product and services. The teleseminars can be conducted in the evening from the privacy and comfort of home. No travel time, no expenses. Of course, there are key ingredients (and a proven formula) to mounting a successful online teleseminar campaign. If done correctly, the results will astound you.

    The Web Success Team just completed a successful teleseminar campaign for MasterMind LIVE! — an international entrepreneurial organization that helps people realize their full potential, as individuals and as part of Mastermind networking groups.  Profile of a Successful Teleseminar Campaign


    10 Steps to buying and starting your own Franchise Business

    10 Steps to buying and starting your own Franchise Business

    West Coast Franchise Expo held in Los Angeles Nov. 2006

    A franchise business can cost a small sum to large amounts of money to participate in the branded name.  McDonald’s one of the most successful franchises out there, is one that can cost more to participate.  There are many franchises available.  With a little research you can find a franchise that is the best for you.

    Here are 10 steps in buying and starting your own franchise business.  10 Steps to buying and starting your own Franchise Business


    Is Buying Stocks and Investing Online better than a Broker

    Is Buying Stocks and Investing Online better than a Broker

    Stock Ticker

    Have you ever thought about buying your own stocks?  Buying stocks online can be less expensive in the buying and selling, however a traditional stock broker can advise you on what stocks to purchase.  You could have both services, as the stock broker may have a already done a lot of research for you.

    If you have never purchased stock before you should consider a mutual fund to be your first stock investment.  A mutual fund is a collection of stocks and bonds.  There are many combinations of mutual funds, and they still are not fool proof and you can still lose money.  However, you have a better chance at making money with mutual funds because of diversity.  With diversity you have a better chance at making growth on your investment.  To invest in just one stock is risky business.  Is Buying Stocks and Investing Online better than a Broker


    Selling on eBay to make Extra Income

    Selling on Ebay to make Extra Income

    Ebay has storefronts and auctions

    Ebay announced recently that they are lowering the lowest listing fee from .25 cents to .20 cents.  It comes at a time when people are looking to earn a couple extra dollars to pay higher double minimum credit card payments.

    If you have a shortage of funds coming in from the new credit card crunch and you are short of time, you should consider selling part-time on Ebay.  You can search around the house for things that you don’t need any longer and see how much you can get for the items.  Selling on eBay to make Extra Income


    Start a Roth IRA Savings Account for Retirement

    Start a Roth IRA savings account for Retirement

    Interest Savings add up

    A Roth IRA is a retirement savings account that you pay taxes on the money before you put it in the savings account.  When you are ready to take out the money at retirement (starting at age 59 ½) all the money is tax free, including the interest earned money. 

    A teenager would benefit from starting a Roth IRA when they start working because they can invest up to $4,000 each year in an Individual Retirement Account (IRA).  If you pay taxes first it means that all the interest acquired during all the years are tax free.  This could save the teenager a large sum of money in taxes when they retire.  If you child was able to put away $4,000 each year for the next 4 years it could, at an 8 percent interest rate, equal $750,000 at age 65.  Turning just $16,000 into $750,000 is a great way resolve a retirement plan early on.  Many people wait until later in life to start and would not ever see this kind of return on investment.  Start a Roth IRA Savings Account for Retirement


    Something All My Own

    Something All My Own

    CWAHM.COM logo

    Owning my own business has taught me many things about myself.  I’ve learned that I can make wise business decisions, I can manage the accounts and taxes for my company, and I can type with one hand while holding a sleeping 6 month old. All of these things have helped me develop into a much more confidant person.  My business has also given me the freedom to test my limits and see what I can accomplish. Something All My Own


    Treasury Bills and Notes – Investing Basics for these Financial Instruments

    Treasury Bills and Notes – Investing Basics for these Financial Instruments

    1837 Treasury Note

    Now that interest rates are on the rise, interest in Treasury Bills (T-bills) may increase.  These are auctioned off by the Federal Reserve Bank.  When a T-Bill is auctioned, an investor may submit either a competitive or non-competitive Bid. 

    A non-competitive bid allows the investor to buy bills at the average accepted bid for that auction.  Usually an investor buying large quantities of bills makes a competitive bid. He (or she) is bidding for a specific yield expressed in percentage points.   

    Once the Fed receives all of the bids, they allocate the supply of bills among those bidders who offered to pay the highest prices.  This means the bidders that are accepting the lowest yield.  This yield will likely remain constant over time, but may change in the general level of interest rates.  Treasury Bills and Notes – Investing Basics for these Financial Instruments


    Class Action Lawsuits for Cramming and other Charges on your Bill

    Class Action Lawsuits for Cramming and other Charges on your Bill

    Is it worth fighting?

    Have you ever seen charges on your telephone bill that you never authorized?  According to the law firm Wechsler Harwood LLP you have been crammed.  Phone companies and others may cram other charges on your bill without your permission. 

    Cramming is the practice of including unauthorized charges on a telephone customer’s bill.  An example could be “900 Romance”.  According to the law firm, the charges are sometimes only a few dollars, and the goal may be to “fly below the radar”.  Most customers may not pick up on the charge and just pay the bill. 

    According to Wechsler Harwood LLP, if the customer does dispute the charge they are “frequently stonewalled by representatives of the telephone company”.  Class Action Lawsuits for Cramming and other Charges on your Bill

     

     

     

     
     
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