How To Buy A House In 3 Easy Steps
In today’s CareerFH episode, I’ll show you how to buy a house in 3 easy steps.
How To Buy A House Step 1 – Financing
That’s right, before even shopping for a house you’ve got to know what you can afford first. When I was in real estate I used to explain to my clients that there’s no point in going looking for houses until they know their budget.
It’s better to know your price range first rather than looking at inventory that’s too expensive.
In order to see what you can afford, you can go speak to your bank or a mortgage broker and ask them for a “mortgage pre-approval” or simply ask them: “I’d like to buy a house but I would like to know what mortgage amount I can qualify for.”
I personally recommend going to see a mortgage broker as their job is to find you financing. They will only get paid a commission if the deal goes through so there’s no upfront money for this service.
To qualify for a mortgage you have to have at least two of the three following: a stable job (meaning at least 2 years), an excellent credit report and/or a large down payment. You can check out your own credit score through any of these three major credit bureaus: Equifax.com, TransUnion.com or Experian.com)
You must have at least two of those three qualifiers. If you don’t have any of them; then I recommend you plan your future by taking the appropriate steps to achieve them, then revisit your mortgage broker when you’re ready. In the mean time you can still rent while you get everything in order.
How To Buy A House Step 2 – House Shopping
Now that you know your price range, it’s time to go house hunting. You can look at properties by yourself on sites like mls.ca in Canada or mls.com in United States. You can also look at classified ads site in the house for sale section. If you’re starting off though, I would recommend you work with a Realtor.
A real estate sale professional’s job is to help you find what you want based on your needs. They are also paid when there’s a purchase so again, no upfront cost on your end.
Simply find a good Realtor and let them know what your pre-approve mortgage amount is or what you’re qualified amount is. Here’s a word of advice; never go for your top qualified amount, really use this number as maximum only.
Ideally, if you can find something comfortable for less it’s better. Don’t fall under the trap that you need a big house right now. Use this as a starter home, build equity and in about five years from your date of purchase you can start looking around if you need to up size because your family’s growing or you simply want a bigger office.
Take the equity you’ve built overtime and apply it as a down payment on your new house.
Coming back to working with a Realtor, they will also give you advice, educate you and draft your agreements. Make sure at a very minimum that you have these three topics to protect yourself in your offer.
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- Subject to financing.
- Subject to inspection.
- If deal falls through deposit to be refunded.
Tell your Realtor that you want at least those in your offer and they will draft the clause with more details. You’re Realtor will also suggest more clauses depending on the type of property your getting (like: house, condo, town house, lake front, etc).
In this step, this is where you must complete your responsibilities such as confirming your financing (bring your offer to your mortgage broker), hiring an inspector to inspect the property and whatever else needs to be done. Again your Realtor will be guiding you throughout this whole process.
They go through rigorous trainings and constant education updates to make sure they can assist you every step of the way with respect to industry standards. I know, I’ve been there.
How To Buy A House Step 3 – Close The Deal
Once the seller and you have an agreed completed contract with all the conditions waived, it’s time to complete the transaction. For this, you’ll need to bring your offer to your lawyer or have your Realtor fax it or email it to your lawyer.
Over there, your lawyer will make final checks to make sure everything is okay such as land title checks, transfer the funds from one bank to another, registers and records the deed and also transfers the house keys in your hands.
Other Valuable Info You Need To Know On How To Buy A House
You need upfront cash for your security deposit. Usually $500 or $1,000 held in escrow will do the trick. This is in step two, your Realtor will give you further advice on it. You also have to pay for your inspection services which is about $500 and finally you have to pay your lawyer up front and that can be around $2,000.
How To buy A House Conclusion
As you can see, figuring out how to buy a house is not that difficult when you break it down in simple steps. Keep in mind that you’re not doing everything by yourself. You’re using the assistance of professionals to guide and help you throughout the whole process. They are in the business of customer service and you are the customer. These professionals are working for you and not the other way around. Always remember that! So don’t be shy and ask them questions.
What about you, how does my “How To Buy A House In 3 Easy Steps” article helps you better understand the whole process?
Is It Better To Rent Or Buy Your Own Home
When I was selling real estate, a lot of my friends used to ask me: “Is it better to rent or buy?” Which always led to interesting conversations.
Side note, here’s a friendly tip; don’t ask a Realtor if you should buy because of course they’ll say yes, especially if they’ll make a commission on it! Unless you know them personally and know they have your best interest at heart.
Whether it is better to rent or buy totally depends on your personal circumstances. Are you a student leaving town for just one semester or are you looking for a permanent place to stay?
Are you responsible and disciplined or are you more careless of what’s going on? Are you working from home or will you be working from home?
Is It Better To Rent Or Buy: Renting Pros & Cons
Some of the pros of renting are: easy in, easy out, no worries to structurally maintain the place, short term, no complex paper work to fill out and rent is tax deductible if you work from home (seek professional advice from an accountant for more details).
The cons of renting are: you’re not building equity in the long run, you can’t resale you’re property when you leave.
It’s perfect for students that go study away from home, or you get a job position and need a temporary location to live at while figuring things out.
Is It Better To Rent Or Buy: Owning Pros & Cons
However, at this juncture, they live on the edge of the financial abyss, recklessly spending all they have, investing little or nothing. purchase cialis online Online pharmacies provide quality and FDA approved levitra generika 40mg products to consumers. As the action is already taken in order cheap cialis Continued looking for responds. Unlike pharmaceutical drug cialis wholesale india, it has no side effects so it won’t hamper the new born or the pregnant lady.
Owning on the other hand has some huge benefits. Some of the pros of owning are: you build long term equity in your property. You can resale and make a profit. You can rent out your bedrooms to have roommates.
You can choose to rent it out and let tenants pay which builds you equity. You can deduct your mortgage interests and other home repair expenses as a write off for to your home business (again, seek professional advice from an accountant for more details).
Some of the cons of owning are: you are structurally responsible to maintain your home, there’s more complex paperwork involved and it takes more time to acquire or get rid of your place if you’re motivated.
Owning your own home is ideal if you plan on living there for a good solid couple years at least. It’s an extremely good long term strategy to build your equity while living there. Why not? The only difference is the paper work. Sure at first it can be intimidating but buying a home is not rocket science.
Is It Better To Rent Or Buy Your Own Home
In conclusion if your thoughts were: “Is it better to rent or own?” now you know that it’s not a straight forward answer as it depends on your immediate circumstances. That being said, if you’re thinking long term, I definitely would encourage you to strongly consider owning your own home instead of renting. Here’s a cool rent vs buy calculator that allows you to compare numbers side by side.
What about you, is it better to rent or buy your own home based on your current situation?
Free Conference Call Technology Up For Grabs!
With the help of a free conference call service, you can now become the leader and give positive & informative messages to your audience, your team or your work force.
This web based platform allows you to own and operate your own teleseminar. You can have as little as one person on your free conference call up to one hundred.
You can record your calls and use them as content in the future.
Through your free conference call online back office, you can start and stop the recording and start and stop lecture mode (which puts everybody else on mute so only can talk).
All these functions can also be done through the telephone directly by pressing the appropriate number.
For the longest time this teleconferencing was only available to the big corporations that had a huge budgets. Now with voice over IP it makes it affordable to everyone to the point that there’s even a free solution.
What I like the most about this free conference call platform is that it’s free and super simple to use. You first start by going to the website of Freenet.com, click on the button that says: “Signup Now” on the right hand side, follow the instruction and there you go, you got your free conference call number.
Simply give your free conference call number to your audience or team members and they will be able to call in and listen to what you have to say.
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Free Conference Call
Here’s how I use the free conference call tool. If anyone has business related questions, I schedule a conference call that will be recorded.
I offer to have a recorded session with them for two reasons. One I get the recorded call and give it to that person so they can re-listen to the information at a later time and second, so I can use the content as an FAQ and make it available to other people.
I always sanitize the free conference call to remove any personal information if any.
When I do a webinar, I also like to have the free conference call recording as a backup (for the audio portion) and in case someone doesn’t have access to a computer but would like to listen in on what’s going on.
I remember we had a truck driver that would love to attend these calls while he was on the road. Not only was he learning something new, he was part of our community of entrepreneurs.
What about you, how can the service of a free conference call help you in your organization?
Driving Jobs To Make Money Fast
If you own your own car, then driving jobs can be awesome. It offers you the flexibility to work your own hours, you don’t have a supervisor looking over your shoulder and it gives you great independence. In this article we’ll explore various companies that offer driver jobs.
But first let me share with you my own story. Driving jobs have improved dramatically from when I used to do that in my younger days. Let’s just say back then, we didn’t have the apps technology we have today.
Back then, everything was done in cash and it was well, kind of shady, actually it people used to say it was “underground driving”, the concept was simple, we had “a dispatcher”. Basically, this guy was the network of contact, everything was word of mouth with code names.
We had fake names to protect us as drivers, basically you’d be on standby. They used to tell us: “stay central” which meant stay and park in a good location until your next call came in.
I needed money and this was an opportunity to give me cash on the side I was driving people all night Friday and Saturday night. When 4h30 am came, it was finally time to go pay my dispatcher. They told me to go meet them at a specific address in the city. I walked into that location… WOW!
Now that’s what I call underground. As soon as he opened up the doors, I saw a cloud of smoke in the back left, (kind of in a living room but with no furniture) you had a bunch of guys sitting on the ground all smoking and playing some kind of game. It was really an “underground lair” with easy escape. We then proceeded to count the total of what I owed them and I gave them their cut of the monies made that night. Everything was all cash.
I am telling you, these guys were in business. They were are all from the same ethnic background and I was the only Caucasian guy. I totally felt like I didn’t belong. I didn’t smoke, I didn’t drink, all I wanted was to make quick cash to pay for my other living.
I’ve done this for about six month, then I moved on to other things. Looking back, I’ve never had any issues with anyone I picked up, nor the dispatcher; in fact, it was actually interesting to meet new people and offer them a cheaper alternative to get back home.
Today, that’s exactly what ride sharing apps are all about. Except now you don’t have to hide. With these new smart phone apps, you’re not dealing with cash and you don’t have to go in “underground lairs”. You’re getting connected with other people, just like you would with your friends. You’re using GPS technology to calculate fees/fare/donation and the app does all that for you. Plus, there’s a feedback system where drivers and passengers can all rate each other.
Companies Advertising Driving Jobs
I knew of a good service similar to that in Quebec called AmigoExpress.com but I wanted something that wasn’t only province wide but nation or world wide.
This is when I found these companies; Uber.com, Lyft.com and Side.cr. They’re kind of the Airbnb.com (you know turning your home into a hotel room for the night) but for driving and these guys are always offering driving jobs.
You can learn how to be an Uber driver, how to become a Lyft driver or how to become a Side Car driver by visiting their own respective websites in the “driving jobs” or “driver” section.
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Here are a few quick tips to maximise your driving job revenue when you’re doing driving jobs. Take it easy on your speed, remember the less gas you “waste” the more profits you keep. In between calls or app messages, don’t drive around, find a good spot in a busy area and just wait there on standby. Watch a movie on your phone, read a book, just don’t drive around or spend your money in a restaurant. I personally used to listen to business audiobooks. To each our own.
Figure out when are the prime times and work mainly those hours often, later there’s less other drivers available giving you more opportunities. Between 9pm and 3am, especially Friday and Saturday nights are primetimes. People go out clubbing then want a ride back home.
Now an Uber driver pay or Lyft driver pay, on their website it says you can expect to get about $37 to $40 per hour as a driver. Yes, that’s gross income but in reality, you’ve got to keep in mind you’ll have to pay the network’s cut, your gas, other car expenses and keep some for the taxes.
With this in mind, it can bring your earnings to a more realistic $21 to $25 per hour net, which is still pretty reasonable considering all the freedom and independence you’ve got.
What about you, how do you think driving jobs can help you? Share your thoughts.
Get Paid To Play Video Games
Have you ever wondered how to get paid to play video games? The gaming industry is one of the biggest markets out there, surpassing the film industry, surely you can get paid somehow. In this article we’ll go over three different methods you can get paid to play video games.
You can make money playing games by becoming a professional gamer, you can follow ESL eSport News and follow their professional gaming circuit. Check out who the players are, which game they play, and attend the “qualifying” competitions as a gaming participant. Some of these tournaments have pretty huge cash money prizes totalling over $600,000 and that’s just one.
Like every professionals in any industry, this method is pretty tough to compete in though, you’ve got to keep in mind that a lot of other participants take their finger-eye coordination very seriously. But it is a possible avenue
Next you can always try to search “jobs for gamers” or “gamer jobs” in Google. These kind of jobs are for game testers, to locate and report bugs. Most of these employees are not only gamers but also programmers that get paid to play video games. They are the ones who actually write and design the games.
So unless you’ve got another skill set to offer the companies, chances are you’re not just going to get an easy free ride just to play games. Getting paid to play video games that way is more of a perk of the job than the job itself.
Get Paid To Play Video Games Continued
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Here’s how to get paid to play video games works. Just like any business, you’ve got to offer something of value and turn your potential clients into raving fans. And what to these fans want? Well, they are other gamers, either starting out, wanting to know effective strategies so they can beat other people.
It sounds somewhat complicated to turn your passion into cash but it’s really not that difficult. Twitch.tv has put a technology and are constantly seeking to work with partners, interesting gamer personalities, people who likes to broadcast video games, etc.
They have all the technology for you to play your game like you’d normally do and teach other what you’re doing and your thought process. In return, those new fan/students, will subscribe at a fee to your channel making you some money. Check out Twitch.tv partner program to get more information.
As you can see, regardless of which avenue you go by; it is possible to get paid to play video games.
What about you, do you know of any other ways to get paid to play video games?
Direct Sales Companies Are The Business Of The Future
Direct sales companies can be separated into two classes:
The first type of direct sales companies are single-level marketing which means that sales representative, the host, the rep or whatever you’re going to call it deals directly with the clients. Their income is in direct proportion of the amount of product they personally sell.
Some direct sales companies you might have heard of, that falls under this type of marketing category are: the cosmetics of Avon, kitchen supplies from Tupperware, Pampered Chef, etc. Usually commission rates are a little higher than their multi-level marketing counterpart.
This leads me to my second point. The second type of direct sales companies are multi-level marketing. Multi-level marketing companies are the ones that can be easily mistaken for “those pyramid schemes” and sometimes can suffer from the negative stigma. Their “per sale’s” commissions are generally lower from their single-level marketing counterpart.
That being said, it is structured in a way that you can make an override commission on the sales of the other sales representatives on your team, which is pretty good. Some legitimate direct sales companies that you might have heard of, that falls under this type of marketing category are: the vitamins and nutritional from USANA, the world’s largest telecommunications company ACN and there’s a whole lot more.
Now which one of the categories are the best? Well it depends of what type of person you are. If you are a hustler and hate teaching your skills to others that you might view as your competition, then single-level marketing is probably best for you. You’ll get a 100% of your own efforts, larger commissions from each sales and it’s the fastest way to get into profits. The draw back from this type of sales is that if you fall sick or for whatever reason you can’t perform, you can’t do any sales, then you get nothing coming, no more revenue.
If you’re looking at this in the long term, then multi-level marketing offers you a way to leverage your time and effort. Not only you have to sell the products or services, but you also build a team of other representative, you train them and show them how to become successful sales people. This is a little bit more work at first, and a little bit more time before you turn your time investment into profits.
The beauty of this multi-level marketing model is; say you have 100 sales representatives in your organization, you’d get 1% of 100 people’s sales effort. Obviously this is over simplified but it makes it easy to understand the concept which means that if you do fall sick or you can’t work, you’d still get 1% of 99 people’s sales effort.
Find Legitimate Direct Sales Companies
Legitimate direct sales companies are governed by the Direct Selling Association’s (DSA) where they adhere to their code of ethics:
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“The cornerstone of the Direct Selling Association’s (DSA) commitment to ethical business practices and consumer service is its Code of Ethics. Every member company pledges to abide by the code’s standards and procedures as a condition of admission and continuing membership in DSA.
The DSA Code of Ethics speaks to both the consumer and the seller. It ensures that member companies will make no statements or promises that might mislead either consumers or prospective sales people. Pyramid schemes are illegal and companies operating pyramids are not permitted to be members of the DSA.
The DSA Code of Ethics is enforced by an independent code administrator who is not connected with any member company. The code administrator will do everything possible to resolve any complaints to the satisfaction of everyone involved, and has the power to decide on remedies. All member companies have agreed to honor the administrator’s decisions.”
If you are looking for a new career from home or to simply supplement your income part-time, you can realistically make money with direct sales companies as a consultant, a representative or a distributor. Visit the DSA’s direct sales companies’ directory to view who’s legitimate.
What about you, do you see yourself with single-level or multi-level direct sales companies? Share your thoughts.
Behind The Scenes Of A Work From Home Day
Behind the scenes of a work from home day is kind of difficult for me to explain what a work day looks like when I work at home. Seems like I just stay home and do nothing all day but au contraire, a work day has many steps and I have to complete all of them. Today I will take you behind the curtains and show you what really goes on behind the scenes.
You’ll see my daily routine and how I structure and manage my time efficiently. After all to get results, this type of work is pro-active and performance based.
Ok so let’s get into it.
It all starts with the set up. I move my furniture around to align the camera and teleprompter for the best shot possible (sometimes I move that later on, like when it’s time to shoot).
Next, I open my blog and log into the back office of my website, once I’m in, I click add a new post to get started.
From there, I open my keyword research tool (Market Samurai) and I do my keyword, check out, what’s the competition, what people are looking for online, I assess my competition and I look what it’s all about, if there’s a keyword I’m not sure about, I just go check it out and see what it’s all about and from there I assess what my competition is so I can make an informed decision on which keyword to target.
After that’s done, I open up some Private Label Rights articles that I have and do research on the internet to get my mind creative and get brainstorming ideas. I read some stuff and what I like I talk about it in my article and just start to write.
I like to get ideas and point to Wikipedia as it’s known as an authority site online therefore when I point to it from my blog post, I’m perceived as a publisher who gives a great user experience to my readers therefore am rewarded in search rankings.
Sometimes you get writer’s blog but that’s ok, that’s normal, you can take a little break, come back or just plow through that. Once your article is done, you want to make sure your keyword is in your meta tags, so title, description, keywords, images etc that’s really important for SEO. When you get your images, make sure you use images that are a part of the public domain, or make sure that the copyrights allow you to have them on your site. Once you have your image, rename it with your keyword.
When I talk about different tools or products, I like to find various resources available on the internet. From there I look if they have an affiliate program available. This means that if someone coming from my website buys something from them, then I’d get a percentage commission on it. That’s one way of many ways to monetize your blog.
My rule of thumb is that if I’m talking about one service or product, I like to offer my readers the choice of various opportunities and not “pressure” them into one. By giving 2 or 3 choices, then the reader makes their own decisions.
I keep track of all my work in an Excel document. In there I right the names of my saved articles, if I recommend products, the link of my blog site, Youtube URL and many other things related to that piece of content.
Coming back to my article writing, it’s good to take a look on the actual website, that way you get an idea of the look and feel to see if you’re going in the right direction.
Once I’m happy with my article and it’s published on my blog, now it’s time to make the video. I copy my article into Word, save it on my memory stick and put it into my other laptop with the teleprompter software, set-up the camera and teleprompter then I’m ready to go.
I change into more presentable clothes (shirt and tie usually) for a good first impression. Turn on the lights, then action. I get started. What I like about having the teleprompter is that it keeps me sharp, I don’t fluff talk, I don’t side track, I’m very precise, stay on target and I actually really, really enjoy it that way.
Behind The Scenes After Filming
After I’m done recording (which is the fastest part, big chunk of the day goes into writing and preparation), I take everything from the camera and upload it into the computer so I can start editing in my video editing software. I personally use Sony Vegas but there are many other good ones out there.
The first thing to do when editing your video is to cut all the scrap out. So bloopers, tongue twisters, distraction noise, telephone interruptions, etc. All that’s got to go! So you keep it nice and clean and precise.
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Coming back to the video, when I talk about specific companies or sites, I like to take screen shots and insert them in the video. So when I talk about it, my viewers can get a visual reference. It also gives it a clean professional look. It kinds of separates you from the rest, you’re going the extra mile.
When I do the final play, I double check for any mistakes, quite often you’ll pick up on a few things so you just go in and re-adjust. Once everything is to your liking then it’s time to render. It takes a little bit of time for that however you don’t have to be there the whole time it renders, you can do something else.
Next you want to do your “poster” or your Youtube thumbnail while you’re uploading your video on Youtube. Update the thumbnail image with yours, copy and paste your article in the Youtube description, put in the tags (same as your keywords), add it to your playlist (optional), then click publish.
When I’m done that, I take the Youtube URL, then embed it into my blog post, take note of it in my master Excel worksheet and voilà! A brand new article with great content has been posted.
That’s what I do every day, that’s my process.
In conclusion, my day is broken down into 6 sections, brainstorming, writing, publishing, recording, editing and uploading. A typical work day is about 6 hours of productive work (if you don’t count any breaks or education) but sometimes can go up 8 or 9 hours depending what I’m doing.
In my case I chose to do one video and blog post per day from Monday to Friday but if you want to do it part time, nothings stops you from doing like 2 or 3 per week. The idea here is to have a schedule and be consistent.
What about you, what does your behind the scenes look like?
Home Based Business – Successful Tips
Operating a home based business can be an excellent way to earn money while maintaining your independence and doing something that you love. For your home based business to be successful, however, you’ll need more than just a good idea and an entrepreneurial spirit.
You’ll find the following tips, learned from other home based business owner’s knowledge and expertise, to be helpful.
If you run a home based business out of your home, don’t miss out on tax deductions for office equipment. If you buy a piece of equipment, such as a computer or desk, that is only or primarily used for home based business functions, you can claim 100% of the cost of that item as a tax deductible the year it was purchased.
Come up with a home based business plan. When you have a plan and write it down, you not only feel more organized but also it helps your mind to come up with great ideas. Before you know it, you’ll be coming up with all sorts of imaginative ways to develop your home based business that you would never have thought of, if you hadn’t put your plan on paper.
Get input from your friends and family about possible home business ideas. Sometimes your friends and family can see your talent that you’ve overlooked or have taken for granted. You might not think that people would pay for it, but others see that they would.
Home Based Business Ingredients
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Do not even begin to think that you are going to keep the books and handle all of the accounting including the taxes by yourself. You must employ a reliable accountant to help keep your books. You are going to be too busy making sure your home based business is running properly.
Don’t fall into the trap of buying every home based business book you see. There is a wealth of information available for free, and spending so much money is not a good business plan. Of course, you can buy a few things that you feel will help you learn, but set a limit on how much you will spend on learning materials.
Get testimonials for your product. Whenever anyone says something great about your product, capture it and add it to your website. You may want to ask permission if you plan to use the person’s name. Testimonials usually feel more real when they include a person’s first name and last initial.
Whether you have operated a home based business for a long time or are just starting out, it’s always beneficial to study ideas, such as those that you just learned, which have brought success to other home based business owners. In running a home based business, as with many things in life, greater knowledge can help pave the way to greater success.
What about you, what kind of home based business are you looking to do?
Home Business – Getting Started Tips
Running your own home business is very appealing, but it can also be quite intimidating. You may ask yourself where to start? What makes a home business successful? Before you start your home business, there are many things that you have to take into consideration. Thankfully, there are many tips available online, including those in this article, that will guide you on making a home business enterprise successful.
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In order to contrast between work and personal time, set yourself a strict work schedule and follow it. It’s important to have a few breaks here and there throughout the day and remember to create some personal time for yourself, your family, and your social contacts.
Take some time and figure out what you want to sell and what’s important to you. Are you a good handy person that wants to get started into trades? Are you a writer that enjoys all aspects of writing such as proof reading, writing articles, etc.? Are you the type of person that’d rather open up your own little coffee shop or restaurant? Do you prefer staying home and work from your computer and make money online?
Once you figured out the line of work you want to get yourself involved with, assess the demand and competition. Ask for quotes, go see the menus, etc. Then come up with your own inventory of products or services with competing pricings. Figure out what sets you apart from your competition. What’s your unique selling point? Like why should your prospect chose you over someone else?
Home Business Promotion Ideas
Once you have that done, go see other non competing local businesses or other online businesses owners and let them know about your products or services and that you can help his clients with special favors or discounts. Consider these basic “joint ventures”. You can join local business groups or even attend trade shows as these are great venues where professionals and potential consumers can interact.
Find your particular home business expertise. Look for customers everywhere you go, strike up conversations, offer your business card, etc. When you do that, your name is going to get out there and overtime you’ll have a reputation and then it will be easier to sell. Talk to people you know and ask them if for additional referrals they can think of.
As was mentioned earlier in this article, a work from home business can be both appealing and intimidating. Hopefully you have learned some good information and advice from the tips shared in this article. Put that advice into action, and watch as things begin to work more smoothly for your work from home business.
Education To Grow Your Business – Traditional vs Specialized
Education to grow your business is the smart way to go about it. Now should you go for traditional or specialized education?
There’s a saying that goes like this: “Ignorance costs money!”. I hope you have not been paying into the “Stupid Tax” lately.
How much is traditional education to get a college diploma or university degree? From my understanding my friend paid $5,000 per semester to attend university. My friend did 4 years at 2 semesters per year, which gives $40,000 to get their bachelors degree (that’s not including books, parking or other related expenses). Now with all that education my friend can enter the work force and start working into their respective career of choice if their lucky and there’s an opportunity.
Now, let’s look at the price I used to pay for martial arts training. It was roughly about $100 per month, times about 4 years to earn a black belt which is 48 months x $100, which is $4,800 to become competent and knowledgeable in that skill. Perhaps the martial arts clubs around you are half that so let’s say $2,400 to cover your education. Again, it’s about 4 years.
Here’s where I’m getting at, in the traditional education context, it’s kind of “normal” to hear about 4 year commitment and high tuition cost, yet students will find a way to pay for it regardless if they’re not a 100% sure if that’s what they want to do in life. Some actually start from scratch in another program after they graduate because they were not happy with the first one or they simply had a change of interest.
Now, let’s look at us home base business owners. A lot of us invested in an opportunity, so we have access to a wealth vehicle, it could be direct selling, network marketing, mlm, online store, etc. That’s great; we have access to a service or product to sell. Where the lack exists in small home base business’ mentality is the knowledge and education to grow your business in marketing and promotion. Think about it, have you graduated in marketing or in advertising in school?
Business owners are very conservative or scared in investing in their own knowledge to market and promote their services or products using today’s platforms. Such advertising platforms are: Google AdWords’ Pay Per Click, Microsoft AdCenters’ Pay Per Click, Youtube Video Marketing, Facebook Marketing, Twitter Marketing, Search Engine Optimization, etc.
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New business owners will jump in any of those advertising methods, not knowing how to effectively market and they will end up losing money in overpriced cost per clicks, actions, etc. The online gurus in the industry use this saying to describe the level of ignorance when it comes to online marketing amateurs: “Another beginner paying the stupid tax.”
So how do we prevent from falling under that total newbie mentality where ignorance costs money? Instead of investing foolishly in advertising that we don’t fully understand, it is to educate ourselves on the matter. What about doing our own research to figure out all that from scratch? On the internet, everything’s available! The problem is that everything’s available but scattered all over the place.
How do you sort what’s modern techniques vs old techniques, the internet is constantly evolving and changing. Also, how do you know to look for something that you don’t even know that you don’t know? How much time will it take you to put all that together? How much is your time worth trying to put all that together? Is it really worth it?
Education To Grow Your Business Alternative Solution
Or, why not learn from the best online marketers who are successful at marketing and advertising online who put their own time, experience and education to grow your business in creating courses for beginners?
Think about it, Thomas Edison spent years of his life trying over 10,000 ways to make the light bulb work. If you knew you could make money creating and selling your own light bulbs in that era, wouldn’t be worth it to invest $500-$1000 in your own knowledge, learning the one successful method directly from Thomas Edison himself?
The great thing about investing in your knowledge like that is, it’s like a shortcut or a fast track learning curve that will have direct impact on your business once you’ve implemented those new techniques. And, the absolute best part is that it’s tax deductible because it’s a business expense.
If you’re trying to get new recruits for your mlm business, you’re trying to sell more stuff online or you simply want to appear on the first page of Google, you must educate yourself to avoid paying into the “stupid tax”. Student can squeeze and figure out a way to invest $40,000 over 4 years in an education that they may or may not like.
Here were talking about investing less than a $1,000, that is fully tax deductible, into specialized knowledge education to grow your business that will have a direct impact in your business growth that can be learned and implemented over the next couple weeks.
Here’s a link for a free online video training by one of my mentor (someone I’ve learned so much from) that will give you the 3 hottest places right now to generate leads for your business. Any clicks there also help support the show.
Over there, he will also explain to you this formula to become financially free with your business which is: “AL + AS = PI” don’t miss out on that one. It helped me out tremendously in my online business and it’s really good education to grow your business.
What about you, what online marketing method have you been using so far?
