Understanding Continuing Education and Training

Continuing education usually refers to any form of post high school education, used to earn additional certification or as a requirement to maintain a professional license. This form of education is entirely meant for individuals who already have degrees.

Continuing education can take the form of online degree or certificate courses, seminars, conferences, workshops or self-guided study. Unlike other types of education, continuing education has no specific format or duration. Some programs may take a day while others span several weeks or months.

Students pursuing continuing studies for personal advancement usually do not receive college credits as the courses are not considered part of the formal training. Attending a conference or seminar that is open to the public, for example, does not give you any education credits.

Continuing education programs enable people who have already earned a college level degree to pursue additional education or advanced training.

Many careers require individuals to enroll for continuing study from time to time so as to keep up with emerging development in the field. This form of learning is referred to as mandatory continuing education.

Because of the highly competitive job market, professionals whose careers do not require continuing education often undertake it as a means to make themselves more marketable to potential employers.

Thanks to the advancement of the Internet technology, it is possible to complete continuing education online from the comfort of your office or home – providing you have a computer and reliable Internet connection.

Online continuing education programs are ideal for individuals who need an extremely flexible learning schedule. The main advantage of these online programs is the fact that student’s can access them during their free time – meaning professionals don’t have to give up their full time jobs to pursue higher education.

These programs usually provide the student with all the materials needed to complete a certain course: books, lecture notes etc. The students are supposed to complete the coursework at their own leisure, including sitting for the final exam.

While most online programs are entirely based online, some programs provide a low-residency format where most of the work is completed online, but the students are expected to go to the college for a week or two every semester to get practical experience and network with their faculties and peers.

To complete an online program, you need to have the necessary motivation to study during your free time.

Reverse Engineering Home Based Business and Work At Home Income

Many people end up joining a Home Based Business, or Work at Home Opportunity to make a lot of money, to be come RICH!

The people “pitching” sharing about their businesses, ALSO talk about GETTING Rich, or even better, GETTING RICH FAST with out the hard work!

How possible is this?

With the above definitions, it is SIMPLE! In the grand scheme of things, EVERYONE in America is RICH! We have clean drinking water, government and private organizations that provide food and shelter, so having food and water is not a big problem. It IS in other parts of the world!

Having a goal of being rich, is useless if you do not clearly define “rich!” The next time someone is trying to convince you to join a business because you will get rich, ask them how rich? Better yet, how much income?

Before accepting a job, don’t you think about how much you will make (either per hour, or per year), and then figure your house hold living expenses, and see how much you have left over?

And with any Home Based Business, or Work at Home Opportunity, what are the expenses? These are some of the BASIC questions you should consider BEFORE joining/starting any business, buying a franchise, investing opportunity…

Let’s look at the numbers with a typical Home Based Business/Work at Home Opportunity:

Expenses:
One Time Expense for Business:
- $500 – Joining Home Based Business/Work at Home Opportunity
- $100 – Main Product/Demo Kit for Business
- Total = $600 One Time Expense

On Going Expenses of Business:
- $30/Month – Back Office = $360/Year
- $30-$150/Month – Business Product/Service = $360-$1800/Year
- $100 – Annual Business Renewal
- $150/Year – Annual Training Convention
- $500/Year – Travel Expenses for going to Annual Training Convention (Hotel, Airplane Tickets, Food)

Total = $1470 to $2910 Per Year

Income/Gross Profit:
One Time/Per Action
* $100 / per new member you introduce and train
- FAST Start BONUS: $1000 for 5 people in 1 month.
* 1% to 15% of your Down line Autoship sales NOTE EXCEPTIONS BELOW!
- 0% until you have personally trained 3-100 people
- 1% until your Down line hits $10,000/Month Autoship
- 2% until your Down line hits $20,000/Month Autoship
- 15% once you are a Triple Crown Double Ruby Executive Super Duper Space Leader!

Many people do NOT talk about all these expenses up front, as they DO add up!

And typically the way the system is set, there is PLENTY of income to be made, but it is work, not exactly what you call Get Rich Quick!

People may talk about the big income numbers, but not all the details to get there.

Whatever sort of business you join, of if you are planning on starting your own business and or franchise, you have GOT to do an analysis like this! And this is a VERY BASIC analysis! If these numbers do not look good, there is no point in going further!

If the numbers seem good, our next article will be how to actually design your income!

Plan For Home Based Business Success by Building a Great Website

If you wish to build a great website for your business you only need to go online and you will find an enormous amount of information relating to this topic. One of the best things is that a large amount of this information is free and can be implemented by the average person without the need of a programmer or hiring a professional.On the downside a lot of the free information can often cause the home based business owner to micromanage the smaller details about their website and cause them to miss the big picture. Although changing a lot of smaller things within a website can make the owner feel good about what they have accomplished they are not what is needed to be concentrated on in order to create a great website.Building a great home based business website requires three key aspects. These aspects are the key to your success and it is often easy to lose sight of these and get caught up in the technical aspects of website development. Whenever you think of website design, think of the customer who uses your website and you will greatly enhance your chances of success.The three main aspects are as follows:Aspect #1
Make your home based business website easy to navigate around.Any great website is easy to use. Navigation around the site should be simple and provide the visitor with no confusions or distractions. To achieve this you must ensure that the visitors have access to all relevant information including how to make their purchases without having to search for it whilst not being bombarded with annoying pop up ads.Aspect #2
A successful home based business website should be both helpful and useful.Consumers who purchase online have come to expect websites that are not only informative but actually offer them something of value. When a person views your website you have approximately 5- 10 seconds to get their attention and provide them with some useful information before they click off and go elsewhere. The majority of people want to be able to get information for nothing and the best way to cater for this is to have a section with a blog or articles as well as some free E-books.Aspect #3
A home based business website should be clear and simple.This aspect goes hand in hand with being both helpful and useful.Your website menu should be clear and easy to use, and your sales pages should give your customers a full understanding of the purchase process at all times.Before uploading your home based business website onto your server you should make certain that it meets the three main aspects by trying it out and clicking on all the links to ensure that they work and to see where they go.
You should also then re-check your website and critique it to ensure that that the site is not too confusing or has too much information on the page. Another good idea is to have a feedback section where visitors can let you know what they think about your site and what they would like to see included.By ensuring that you implement these three aspects into your home based business website your chances of success are greatly increased. When people shop online they want a trouble free and pleasant experience. The first step in supplying that experience is designing a website that is easy to use, informative and clear. Once you have organised the technical aspects of the website design you should concentrate your efforts on constructing a website that is not only user friendly and informative but one that people are going to want to return to time and time again.

Home Based Business – How to Overcome Failure in the Home Business Industry?

Home Based Business is a overrun online business opportunity on the internet and if you don’t know what you are doing, then you can get lost in the big jungle of home business opportunities.Thousands are joining the home based business industry and it is true, that ninety percent of the people, who just start out, fail in the first 3 month.So why people are really failing online?The reason why so many people are failing online, is that they jump from one opportunity to the next one and they all hope, that they will find the golden apple and make money straight away.That is not the case and if you think you can make quick money online if you just start out, then you are up for a hell of a ride and maybe end up, to loose more money then you make.Secondly and the most important factor when it comes to having success in the home business industry, is that you need to build your own list of subscriber.Without a list, you will never be able to create a huge income online and compete with the big online marketer.Building a list for your home business is a must and with a customer list, you are able to build a home business success machine.You are able to provide the list of customer with valuable information and can build a relationship with them.So the first step to being successful online, is to build your own customer list and you can do that in using a squeeze page or optin page to market online.That way, you can collect information from people, who are interested in what you are doing online.If you provide them with valuable and free information, the you will be able to build up trust and that will lead to sales in your home based businessDo you want to learn more about how you can make money online? We have just completed a brand new marketing system. You Can Find It Here: http://www.choose-the-right-team.com

Thoughts on a Home Based Business

The Internet has fundamentally changed the collective psyche of modern man like few other agreeable phenomenons in history. Bill Gates has gone on before about “business at the speed of thought”, and for once I agree. We just can’t get things done fast enough because we can’t do them quite as fast as we think! It’s pretty unnatural, but that is not the point of this article.With the internet and the realisation of the virtual office space, home based business has become a reality. It’s my idea of how to begin working smart and it’s always amazing to see just how many people are still working dumb, in my opinion anyway. Surely if there was the possibility of creating a balance between being in the office and working at home, why do so many people who work behind a desk and computer screen still endure the daily traffic nightmare to do just that? I guess that’s the answer – their jobs are so bureaucratized that not sitting behind a desk all day is not classified as work!The opposite holds true for a home based business. Risks and rewards are off the scale in comparison to the corporate office environ. The opportunities available to an individual who has a good business idea and an internet connection are truly amazing.Start-up costs in comparison to a brick and mortar operation are almost nonexistent and support resources online can be abundant to the point of being confusing. What I think is so interesting about being online is the ability to almost literally extend your mind to the rest of the world. It’s leveraging at its best and it’s available to serve you if you really want it. Quite frankly I don’t think there are any more excuses about not being able to do what you really want to. It’s actually right there and it’s your choice to use. At least that is how I have found it.On a more practical note, with your own home based business there is no storefront or office to rent, fewer or no additional phone lines to pay for, little or no additional utility expense, little or no additional furniture to buy. If you have a burning desire to be a successful business entrepreneur one day, then starting a Home Based Business is the best way to get your feet wet and display the inherent skills you possess. A home based business has been the starting point for many a successful businessman.Starting a home-based business (HBB) can be rewarding experience for many but it does have its share of frustrations and disappointments. With advantages like flexible work hours, satisfaction of being your own boss, no commuting, tax benefits, it also has disadvantages like increased risk, loneliness, and added responsibilities. Once you’ve decided to take the plunge and start your home-based business, it will need an identity of its own. Creating an identity for your home business is not particularly difficult, but it pays to go about it in an orderly fashion so you won’t have to go back and re-do a lot of the steps you’ve already taken.So, if you have a strong desire to make something happen and you feel you know where you want to go, then there is nothing really stopping you other than the starting hurdle and maybe your own self doubts. What is really great about an online business is that you can start off part-time and gradually learn and develop with minimal risk. Probably one of the most important things to have starts with “P” and it’s not price or purchase. It’s persistence!

Top Home Based Businesses Can Lead to a Profitable Future

Top home based businesses can help a person kiss the 9-to-5 commuter gridlock routine goodbye, and say hello to a better return on investment. More time with family, lower stress, better overall health and a better quality of life. Top businesses provide training, ongoing support, and multiple streams of income. Many have over-hyped claims of earning potential.For the more industrious, working for yourself can take two primary roads. You can work to assist with someone else’s requirements as an independent contractor or consultant. Another road is to launch your own small business. While the employment market is not as flooded with opportunities, home based businesses are flourishing. The avenues to find these opportunities have expanded along with the home based workforce. Top home based businesses are in direct competition and as successful as the more traditional businesses. It’s common knowledge that both “eBay” and Microsoft started out at home. Since the internet boom, dot.com and web brethren have seeded businesses that blossomed into business giants.Types of home based businesses that are performed for a third party have benefits and disadvantages. Just as an employee would compete for a traditional job, working from home for others involves winning the job. This entails market research for job opportunities, applying, winning and successfully performing. Applying for contracting jobs includes proposing at the right mix of labour types, responsibilities, costs and time line.Performing the role as a consultant or contractor has benefits and drawbacks. Contractors are often responsible for deducting and paying IRS taxes due. Contractors and consultants are typically responsible for tasks and deductions normally handled by a Human Resource department. Health care and life insurance are critical benefits that garner much interest from the independent workforce. For independent workers, self employment organizations, such as the National Association for the Self Employed, can assist with payroll, business, legal, marketing, and accounting requirements.YourNetBiz – provides products, training and support and only sold through sponsors who partner with you in the business to help you succeed. It allows greater potential for success if you choose the right mentor or sponsor.Industry market research data can be instrumental in establishing which industries are stable, declining or growing. Occupational research provides critical rate and salary data, identifies standard training, education, and staff composition. Data can be incorporated into competitive proposal strategies to become a contractor, consultant or to win business, contracts or grants for your own company.Not surprisingly, top home based businesses include administrative support. Independent work portals typically have virtual assistant, administrative, typing, transcription, reception, data entry, and similar employment assignments. Each of the following sites offer administrative employment and employees:Guru.com, freelancer.com, ifreelance.com, odesk.comFor the artistically inclined, deviantart.com, etsy.com and eBay offer marketplaces to sell and buy products. Crafts such as clothing for people and pets, candles, bath and body products are bought and sold from home. These products are among the best home based businesses. Specialty or gourmet edibles like cake, candies, and cookies are a self renewing customer need. Specialty coffees, teas or drinks are sold online from homes around the world.Technical work such as programmers, coders, developers and support positions such as web content developers and designers, are among top home based businesses. Practically any employment website has countless technical opportunities. A web master can be self created. Much like an artist, technical workers can create a portfolio of work to demonstrate knowledge, skill, and abilities to develop a small business, or provide contract services. Anyone who is technically inclined can rack up credentials and certifications as quickly as they’d like to progress into earning a living.The contracting arena is a wide net. It casts out primary and secondary players like those who need a product or service, and those who can provide it. In between are other entrepreneurs. Proposal or grant writers, for example, are another cottage business. Much like an artist and a technical person, to step into this world, you can take an alternate route by demonstrating via portfolio what you can do. To get an edge on competition though, a business should strive to win at least one grant, contract or award for their portfolio, and grow it from there. The internet has enabled many businesses to conduct business via phone, fax, internet, and online meetings. Proposal manager or proposal coordinator staff are responsible for shepherding grants or proposals through the system. Any of these positions can be done from a home base.Despite challenging economic times, the good news is that the best home based businesses are everywhere, where the heart is, and most importantly, at home.

The Home Based Business Phenomena: Is It Right for You?

If you’re one of the many people looking to find a business to work from home then you should consider if it’s right for you. No doubt if you are looking into this type of revenue generation, then you’re probably tired of working long hours for little pay, building someone else’s dreams. Have you ever heard that whoever owns the business owns the dream? Well I believe that’s true and if you spend most of your time working to build someone else’s dreams then I hope you understand that you don’t have a shot in the dark of making it big financially in this country! It will never happen! Most people are so busy making a living that they forget to live a life and before they know it they’re older, their kids are grown and they don’t have much to show for the “40/40″ plan, working 40 hours a week for forty years of their lives. We live in the richest country in the world, so why do so many people scrape by? If you want to be successful in life, find out where 98% of the people are going and go the other way. Almost all successful people have built assets rather than work for a paycheck. They’ve owned their own businesses and built pipelines. So the question isn’t whether a home based business is right for you, but rather can you build a successful home based business. The answer is an undoubted YES YOU CAN. But how, you may ask? First you need to decide what kind of business you’d like to operate. With so many different businesses to choose from, how do you know what’s right for you? To answer this question, you must see the difference between a traditional “brick and mortar” type small business, a franchise, and a non-traditional, e-commerce type business usually referred to as MLM (multi-level marketing or Network Marketing).First off, with traditional small businesses, there are four factors to consider: time… money… knowledge… risk.Time: To show a profit, you’d have to be open for business for long hours every day, including weekends. Usually, a 70-90 hour work week is very realistic in this type of business model. As the owner, you’d have to be there that long, or at least hire a manager that you could trust to run most of your day to day operations and pay that person enough to stay reliable.Money: As an owner, your overhead in this business model is fairly substantial. You have leased space for your business, insurance, paid electric/utilities, heat and water. Then you have inventory and computer and software to manage it. Usually a cash register, and you must register with a bank as a merchant to process Visa, MC, Amex, and Discover Card payments. Not to mention any other equipment needed to maintain the business.Knowledge: How to run a small business is not taught in college. If a person does not have a relative under whose tutelage he/she can learn, they must be self-taught… in the school of Hard Knocks. Most small business beginners are shocked to find that filling out paperwork takes the equivalent of one day per week. If they don’t know basic bookkeeping, they hire an Accountant. If they need advice on business structure, whether and how to use a Corporation, a Limited Partnership, or a Limited Liability Company (LLC), they hire an attorney.In either case, they exchange money which they need for knowledge which they also need. This is a wise trade, since a small mistake made early can compound to a big problem later, but it is costly. Not to mention the sole proprietor cannot approach the competitor down the street for guidance on how best to organize his/her store. So like a person entering a dark room, they must feel their way carefully or they will trip over what they can’t see. Even with care, ignorance is not bliss and can cost the owner dearly… maybe cost the enterprise to fail. Take a look at this article ( http://www.usatoday.com/story/money/business/2013/02/01/retailers-close-stores-24-7/1873745/ ).Risk: The new businessman has “tied up” in the venture several thousands of dollars which they cannot afford to lose. Also, hundreds or even thousands of hours of their lives invested as well… which in time can never be recaptured. Look at what happened to Hostess, maker of Twinkies and Wonder Bread.As you can see, the traditional small business venture can run upwards of tens of thousands of dollars with more “work” involved than having a job. You simply bought yourself a job with the business.Franchising, on the other hand, is that you plug into an already proven system. People think you are “buying a franchise”, but actually you invest your assets in a system to utilize the brand name operating system, and ongoing support. Think of one of the largest franchises of our time, McDonald’s. People who buy a McDonald’s franchise buy into the system already in place of producing Big Mac’s and Filet o Fish without having to “reinvent the wheel”. All you have to do is follow the “system” and your franchise will be successful, so they say. But the desire to “be my own boss” is not fully satisfied by a franchise. Franchisees cannot think of themselves as an independent owner. If they do they will be tempted to try to change the system. Does Mickey D’s sell hot dogs at all? Of course not! The home office does not permit anyone to “tinker” with their formula. The franchisee owns the assets of their own franchise, but is licensed only to run someone else’s business system. The desire to become a franchisee is grounded on belief that they can be more successful using someone else’s brand, and operating according to their methods, than they would be if they opened up their own independent business and competed against them. The problems with most franchises like McDonald’s, is that: it costs substantially more than a small business, there are royalty fees (usually 5-10% gross profit), loss of personal control… need to quit your full time job and be “locked in” to suppliers chosen by the franchisor, the inability to will your business to your family, a one-sided contract drafted by franchisor that may not fully protect your territory and interests. However, a franchise allows for: opening more quickly, developing a profitable customer base faster, has less risk, national advertising presence, built-in name recognition, strong support system that can be called upon for advice, readily identifiable trade name and goodwill associated with it, centralized, and collective buying power.Now that you understand the differences between the two, what we need is a home based business that can adapt the best of both worlds: a way to generate full-time income with part-time work, a system that produces residual income that keeps coming in although one’s advancing age eventually prevents putting in much, if any, time.More and more companies are entering forms of innovative cooperation with outside marketers. Reducing their own in house personnel has prompted them to enter strategic business alliances or joint ventures in which two or more business entities help each other. Since the 80′s, three powerful trends have converged.First, threatened by corporate layoffs, highly capable men and women are looking for ways to diversify their income. Quite a few have asked themselves, “why go back to a corporation, even if I can find one to hire me, and risk being cut by the same layoff axe in a couple of years? Why not become an Independent Contractor?”Second, not everyone laid off was “dead wood”. When companies cut their ranks by tens of thousands, they also cut thousands who were productive. They need to hang on to the productivity of the people they did not keep. So they started scrambling to find Independent Contractors to reach their marketThird, since the early 90′s, the introduction of the personal computer and soon after, the internet have allowed small, part-time businesses with few or no employees to compete on a level playing field with anyone in the world. Some of the smartest businessmen in the world have found a unique way to harness these trends to their advantage.This is where MLM and e-commerce come in. Successful business models that harness the power of the internet and e-commerce along with the concept of independent contractors has made MLM companies a major power house in business today. Companies like Avon, Mary Kay, Herbalife, Amway, Melaleuca, Primerica, Pampered Chef, Ambit Energy, and many others have all realized the top 20 reasons for non-traditional business.1) Low investment- usually less than $500 to start, depending on the Home Based Business opportunity..2) No Boss-the independent contractor determines how much money to make and how hard they want to work.3) Ability to work from home- daily commute consists of walking to your coffee pot on your kitchen counter. (That’s why it’s called Home Based Business!)4) Fewer, more flexible hours- people are just too busy now a days!5) Time-compounding through duplication- what you do and teach others to do the same adds to your business exponentially. Would you rather have 100% of your own efforts or 1% of 100 people’s efforts?6) Minimal legal liability- no person in a “downline” can create vicarious liability for the sponsor.7) No special licenses or training to join- unlike a realtor or insurance agent.8) No discrimination-8) No discrimination-a Network Marketing type of Home Based Business rewards a person for movement of product and sponsoring others to do the same, regardless of sex, race, creed, or religion.9) Tax Benefits- ability to claim home office deductions, utilities, gas and mileage, and business conferences, even while on vacation as deductions.10) No employees- one works with, but not for the parent company.11) No risk- startup costs are trivial compared to traditional small businesses and franchises.12) No accounts receivable and collection headache- “cash and carry” type business.13) Inexpensive, usually free training- upline mentor has vested interest in helping downline grow so the mentor will provide any and all training to help their downline. Like a good parent guiding their child teaching them what and what not to do.14) Early Income-possibility to recoup initial investment in first month in business.15) Unlimited income potential- Network Marketing has no floor. You could make nothing at all. It is because of no floor that it has no ceiling either. The sky’s the limit!16) Inelastic Demand- a good Network Marketing company offers products or services that are top-quality, which people want, need and can afford, and have to buy again. Repeat business.17) No regulatory Problems- the Parent Company takes care of all of the regulators and taxing authorities so the individual marketer is freed up to be creative.18) Insulated against disaster- no single location; rather, it connects the country and the world with small individual participant-outlets.19) Time flexibility of training/support system-time cost super small compared to medical school, business school, or even law school. You are in business for yourself but never by yourself.20) Willable to one’s children- Network Marketing business can be transferred to one’s heirs usually estate-tax free. It’s the transfer of cash flow not assets that allows your heirs to keep the wealth.Now that you see the many benefits of Network Marketing compared to traditional business, it is clear that this concept is by far the simplest and fastest form of generating extra income, regardless of what your mother-in-law, or brother-in-law think they know. So, again the question is, is this right for you? Only you can answer that, however, if it is right for you, how do you get exposure for your new MLM business? Very simply put, you need powerful training at little or no cost that will flood your inbox with potential customers and business partners in the easiest way possible. For a step-by step guide on developing this plan and maximizing your income from your MLM opportunity,click here to access a free training series.. “Small opportunities are often the beginning of great enterprises.” – Demosthenes

Rent Or Buy Real Estate?

Recently….well over the last year anyway, I have had friends ask me for advice on whether now is a good time to rent or buy real estate. As most of my friends, colleagues, and locals know, I consider myself a real estate geek and have learned enough hard lessons, however had many great experiences professionally and personally to last a lifetime…and I am only 30 years old but this is an age to where we can take those lessons and build on our future, using real estate as a catapult to financial freedom one day….Discontinue reading if you think real estate is a “get rich quick” scheme. I thought it was when I was younger. Believe me, it’s not.

I can write a novel on the difference between renting and buying real estate but I will try to make this short yet helpful. All things equal, owning a house far exceeds the benefit of renting a home. The obvious factors are that by owning, you can build equity and write-off your interest payments on your mortgage. This doesn’t mean that everyone in America should be a homeowner. Real estate is local. For instance, property values are still declining in California. In Florida, prices are starting to level off. In New Jersey I can point out 30 different markets where the market conditions are different. If you live in Montclair, the market is different in Clifton, less than 2 miles away.

If real estate values are deteriorating in your neighborhood of choice and your interest rate is not favorable, it could be a good reason to stick with renting for now. Deals don’t go away overnight.

If you have cash saved, some tenants prefer renting so that they can play the stock market which historically return 8-10% per year with a good broker. Real estate values typically follow the rate of inflation over the long term. That being said, home ownership has the best tax incentive. Married couples can earn up to $500,000 in gains on their homes TAX FREE, where singles can earn up to $250,000 in gains TAX FREE. If you played the stock market, those gains would be hit by nearly 50% by Uncle Sam.

First and foremost, you need to find a neighborhood that you absolutely love. If you have kids, it is important to look in their best interest FIRST before yours. Second, look at property values. If prices are declining and homes are sitting on the market for over 180 days, it may be better off to hold off and rent, analyze for the next year, and buy something possibly in foreclosure when you are ready. How do you find out about Days On Market (DOM)? Call a local agent and ask for homes for sale in your preferred neighborhood. DOM is normally listed.

If you do buy, it is best to put down 20%. Avoiding Private Mortgage Insurance is huge today. PMI companies are going broke or already did, and the ones left standing are charging an arm and 2 legs for coverage. Not to mention your closing costs are about 3% higher. Although an FHA loan sounds great with 97% Loan To Value loans, it is quite expensive when you roll things out. Be sure that you understand the pros and cons of FHA versus Conventional financing. I will offer friendly advice to those who ask.

Some pros and cons about renting and buying…Well if you rent, you have the flexibility to move. Leases run month to month, 6 months, and 1 year. Home ownership limits you to the market whether it is a buyer or sellers market. The resale of your home is based off of competitive sales and overall demand, not a lease. Renting allows you to blame everything on the landlord. If you don’t like dealing with broken water heaters, leaky roof, and running toilets, then maybe you are a lifelong renter. OWNING a home allows you a huge tax advantage, potential tax-free capital gains, and emotional satisfaction. With that however, comes property taxes and upkeep.

If you purchase or contract a home by the end of 2009, you are eligible for the $8,000 tax credit from the IRS and can spread this out over 2 years, something Congress passed to stimulate home ownership. All things aside, this is truly a very good time to start shopping for a home. Historically low prices, low interest rates, and real estate provides an amazing tax shelter. Read my article about the tax credit HERE

So a couple paragraphs to conclude, real estate is a very tough and mean industry. If you are not careful, it will eat you up 10 times over. Most people get only one chance and you are done for a long time. Most decisions in life are based off emotion, and in real estate, if you let emotion control your decisions, you are in for a potentially catastrophic ride. Most importantly, let a professional help you with a plan. You can either agree or disagree with their input. But a guy like me can share a wealth of information for those who don’t even know what a home inspection is. Don’t try to tackle buying a home by yourself.

On a side note, most of you that know me know that I have more stories about real estate and business that will even draw a surprised look from Ben Stein. I have learned from the best in the industry though and at 30, I feel I have a great amount of experience in real estate acquisition, construction, and finance. I have shared my stories with investment groups across the country and now speak at forums about risk mitigation. One thing that is so important to understand and I’ll say it again, is that real estate is the biggest catapult to financial wealth, freedom, and stability. Most of our parents made a lot of our upbringing possible by home ownership and equity.

If you are not ready now, don’t panic or feel that you are missing the boat. The nice thing about real estate is that it is tangible. It will always be there no matter what, different than stocks. Think things through, talk to people, and make a smart decision. Once you make a smart decision, your emotions will take over.

Aside from my beautiful family, real estate is the most important thing in my life. I strive to make more good decisions than bad, and if you understand the way I just said that, the industry will force you to make both types of decisions. The key is to not jump the gun. Understand EVERYTHING. Then…one day…everyone will have an opportunity to lead a more secure life no matter whether it is just buying 1 house or 20 houses.

Start an Investment Account – Level IV to Financial Freedom

After you’ve eliminated your bad debt, you’ve started a retirement account, and you’ve saved an emergency fund. It’s now time to start the intermediate levels to Financial Freedom and on to Level IV – Investing!

There are few things you need to think about determining how you are going to achieve this level. First, do you have the time and inclination to learn about investing? If yes, then you can consider the complex option to this level. If not, then you need to proceed straight to the simple option.

For you to be able to take on the complex level, you’re going to need to read a few books, understand how to value an investment, and start to understand broad markets like the stock market and the commodities markets. You need to start understanding how inflation (or disinflation), commodity prices, interest rates and their direction, the growth in the economy and public policy affect the markets. So which option is best for you?

Investing Options

Simple Option

A first possibility is a simple option and it is to use the robo-advisor. A robo-advisor is a platform like Betterment, Wealthfront or Personal Capital that manages a portfolio for you of index funds based on an investment plan and a managed asset allocation. Using a platform like Betterment, in particular, allows you to set up goals with time horizons and an investment profile for each goal. You can set the duration of how long to reach the goal based on your risk profile and it will help create an investment plan for you. This makes the whole process automated, simple and manageable. The investment plan will outline your asset allocation for your portfolio and how much per month you need to contribute. This is a very good approach towards solid systematic goal-based investing.

For example, you want to have a goal of buying a house in 3 years. You think you need $60,000 for a down payment and you have a moderate risk profile. How much do you need to contribute every month and what do you need to invest in to reach your goal? Betterment’s platform handles the entire process. Based on these assumptions and configurations, the platform recommends you save $1,500 per month towards this goal. As time goes on and you start generating returns, the estimate contribution to stay on the target may change, but you get the idea how this will help you manage to your goal.

Complex Option

A more complex approach requires you to set up a brokerage account and learn much more about investing.

If you’re going to pursue the complex option to investing, then you’re going to have to learn a some of the basics. One of the basics is about how to value an investment. Let’s start with stocks. Some of the basic fundamental indicators for how to value a stock includes PE ratio (Price / Earnings), PEG ratio (PE to Growth) Ratio, dividend yield and ROE (Return on Equity).

Valuation Criteria for Stocks

Let’s take each of those ones by one. The PE ratio is the price to earnings ratio. This is generally how much you’re willing to pay per dollar of earnings. The average PE for a large cap company in the S&P 500 is 15. This means that most investors are willing to pay $15 in stock price for a dollar of earnings. The standard valuation model will change depending on the company sector and industry. For example. the high-growth tech sector may have an average PE of 25 while the low-growth utility sector may average a PE of 8. But, the general criteria to learn here is what is a good PE ratio that represents value and what PE ratio represents over-valuation.

The next indicator is the PEG ratio, that is the price to earnings to growth ratio. This indicator measures price earnings to the company’s growth. In other words, this indicator is measuring how much an investor is willing to pay for growth. If a stock has a PE 15 and an average 15% per year of growth then the PEG ratio is 1.0. If the company has a PE ratio 30 and company has 15% annual growth, then the PEG ratio is 2.0. Generally speaking, a PEG ratio of 1.0 indicates a good investment opportunity, and a PEG ratio of 2.0 or higher indicates a time to sell a company’s stock. An investor wants to be mindful of how much they are willing to spend on a company relative to its growth. If you’re investing for growth, this is a key indicator to follow.

The next indicator an investor wants to consider is the dividend yield of the company. This is the main indicator for the value sector of your portfolio; if you’re investing for value, this is an important indicator to follow. An investor would like to see a company have a dividend yield that is higher than the 10-year Treasury interest rate. So, for example, right now the 10-year Treasury is 2.3%. An investor would like to find companies that have a dividend yield higher than 2.3%. This will obviously adjust over time as inflation and interest rates change. This is indicator does not work well for evaluating growth-based in assets or investments held. But, it is something that should be considered within your overall investment strategy.

When evaluating stock investment options, the final base indicator that should be considered when evaluating a stock investment is the ROE or a return on equity. The return on equity indicator demonstrates a companies’ ability to generate a return per invested dollar. Generally, companies with good brands that don’t need large capital expenditures can generate a good ROE. Companies with lower ROEs have less defensible business models. ROE is important because it shows a business’ efficiency in generating a return for shareholders.

Diversification

The next important factor to learn to become a good investor is diversification. I think it was Jim Cramer who said diversification is the only free lunch. Diversification allows an investor to manage and mitigate against various market changes. As an investor, you want different asset classes in your portfolio, which will all be affected differently against interest rate changes, inflation, economic growth and commodity price changes. One of the basic diversification calculation is a percentage of stocks and bonds in your portfolio. Generally, I would break it into owning most of the following 9 asset classes – US Stocks, Developed Market Stocks, Developing Market Stocks, Real Estate (REITs), Natural Resources (Timber & Oil), Gold, Corporate Bonds, US Govt Bonds and International Govt Bonds. Many go into other diversification like sector diversification or company size (large cap or small cap), but I think it’s more important to think about these larger asset classes. Based on your goal(s), time horizon and risk profile, you should think about diversifying your investment portfolio over these general asset classes. My favorite book on the subject is David Swensen’s, “Pioneering Portfolio Management”.

Conclusion

There’s no way to cover all the details that are required in handling personal investment in one article, but I hope I’ve given you some ways to approach winning at Level IV. The goal is to set up a system of investment. All investment dollars should be tied to a goal and all goals should have a time horizon, risk profile which leads to an asset allocation. You can use a platform like Betterment to help manage to your goals, you can hire a professional, or if you have the time and inclination, you can start learning about investing.

Most people start investing by learning how to invest in the public stock market. I agree with that, so I’ve outlined a few points to think about on how to value whether you’re getting a good deal on an investment and how you should broadly diversify your investments. Once you’ve built a system and reach one financial goal, you’ve won at Level IV – Winning at Financial Freedom.

How To Succeed At Online Product Creation The Easy Way

Product creation could be a frightening subject for a lot of Internet marketers to face. Some folks who get in the game with the intention of making a full time income are completely ignorant as to how an online business operates. One of the most profitable ways to create online cash is by creating a product that others are happy to pay for.

Product creation is legitimate method of generating money through internet marketing but many entrepreneurs get it wrong. They start by imitating their Internet marketing gurus by creating information products on Internet marketing in hopes of getting rich the way their heroes did. The problem is that they usually don’t know what they are doing and enter a highly competitive niche with very little marketing experience or connections.

Here are a few tips for effective product creation that may help you get on the right track:
Start by finding a profitable niche with low to moderate competition. If you conduct some rudimentary market research and keyword research, you’ll find many opportunities in areas that will surprise you. Amazon and eBay are two great places to brainstorm for product ideas.

Developing Your Product does not have to be a difficult project. You can find experts in the right field for your niche and pay them to write the material while an artist designs the packaging and website or blog. You can outsource the entire product creation part of the project after you conduct the research and testing to ensure profitability.

Sales and marketing strategies should be created while developing the product and learning about the market. Some experienced marketers use pay per click to drive traffic to their offer page; some folks outsource the entire marketing campaign to affiliates through ClickBank or other affiliate programs.

Product creation does not need to be hard, particularly when the merchandise is electronic. E-books, videos, audio and multi-media products sell very well. They are distributed immediately to customers electronically. Once you have a good feel for a niche market, try to service your customers with associated products and upgrades. If you want to earn money online through product creation, you must understand supply and demand. The majority of new online marketers fail miserably because they go after highly competitive markets or forget to research their chosen niche properly. You have to create your products according to the needs, wants and desires of the prospective customers.


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