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
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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?
Residual Income – Why Should I Even Consider This?
Residual income is also known as passive income and in the most simplest terms, it means money coming in on a residual basis, like coming in month after month automatically on autopilot once the initial set-up is done properly. Examples of residual income can be seen all around you but you have to understand the concept to see it.
Example, any time you see a website on Google, more than likely they have a way to monetize it; meaning, they are earning a form of revenue from their website. Once the website is set up and running, it can run on cruise control.
Another tangible example of this is any time you see a rental apartment property. The owner has it set up so a manger operates the day to day activities while the owner or share holders can collect the profits from all its revenues. Again, they bought the property once an then they can collect residual income.
Network marketing is another great business model. Realistically it takes time to build an organization but once it’s built (say after four, five years of hard work) you can sit back, relax and enjoy the money keep coming in.
Multiple Streams Of Residual Income
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So why should you even consider working from home and create your own multiple streams of residual income?
Well, job security doesn’t exist like it used to. It’s a thing of the past. Too often we hear stories about employees working for a company for like twenty years only to be laid off before retirement. Can you think of someone in your group of friends, family or acquaintances whose it happened to?
The idea here is to build multiple streams of residual income, so if one goes sour, you’ve got backups and you can still maintain your lifestyle without being affected that much. It offers you leverage to take time off to do whatever you want (time freedom). There are lots of different methods to work from home, some that are a direct source of income and some that are passive income. I recommend that you check out my presentation that goes into full details of what are the types of work from home. It’s a true eye opener.
If you have a full time job, that’s great, that’s perfect, things are going well for you but now’s the time you should consider building your residual income on the side so overtime it grows. When you don’t need the extra income, your judgement will be more clear and you’ll be able to make better decisions. It’s when you’re starving for cash that opportunities won’t line up as they should.
Build your safety net and aim to have at least half of your current income in residual income. Your goal should be to be able to have the equivalent of your monthly salary but in residual income. The more streams of passive income coming in, the better.
What about you, how can residual income impact your life?
Mobile Credit Card Processing Technology Now Available
Mobile credit card processing technology is an important add-on in the way you collect money from your clients.
Back in the Stone Age, people would barter and exchange value on the spot with goods that they possessed.
Then fast forward too not to long ago, there was cash. You’d offer a service or product and exchange it for paper money.
Today, we live in a world of plastic payments, which means if you can’t collect or make it easy for your customers to pay you through mobile credit card processing, then perhaps you’re losing out on some valuable sales.
In order to accept credit payments, you needed a merchant account from a bank provider and you had to have a minimum of sales per months plus monthly fees.
So how to accept credit cards, you ask? Well, I’ll get to that in a minute. With everything on the go, companies had to address the need for portable mobile credit card process by inventing a credit card swiper.
You can plug the credit card swiper directly into your smart phone allowing you to collect money on the fly. The cool thing is that the vendor has no monthly or little monthly cost with an approximate 2.7 % fee per transaction depending on the plan you chose.
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Mobile Credit Card Processing Companies
Sure the fees are a little higher than if you had a traditional machine in a store, but this mobile credit card processing service is pay as you go with no other commitments. If you make a sale you pay, if you don’t you don’t pay, it’s that simple.
All you have to do is sign up with a company that offers mobile credit card processing technology and they will send you the credit card swiper. It’s that simple. Now the difficult question is: “Who offers that?”
Well, my friend personally uses SquareUp.com for all his mobile credit card processing needs.
But like always, I’m a big fan of offering you more than one solution so you can find the company that works best for you. Therefore, here are four other companies that provide mobile credit card processing technology: Intuit.com, Intuit.ca, PayAnywhere.com, Paypal.com and Verifone.com.
What about you, how can using mobile credit card processing technology help you in your business? Share your thoughts and comments down below.
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?
Free Virus Protection & Best Malware Removal
Free virus protection for your computer combined with the best malware removal tools can clean pretty much anything that infected your computer. As a home business owner, my computer has got to work, it’s my number one tool.
I remember there was a time I didn’t really care for free virus protection on my computer, my thinking was more like: “Well, if I get something, I’ll just re-install everything.”
By surfing the web and sometimes exploring the limits of hacking capabilities can lead to obscure and shady places which can leave your computer pretty vulnerable. Kind of blindly walking down a dark alley in crime dense area, now looking back, it was pretty naïve. Of course I got hit, with the some of the most annoying viruses, malware, re-directs, etc.
That’s when my search for free virus protection and best malware removal tools started. But because my computer was already infected, I could no longer install a new free virus protection software because the virus knew what it was and would always shut it down. I thought about re-installing everything but then I didn’t want to lose all my personal settings so I was determined to put up a fight.
Here are a couple solutions that I’ve done in the past which gave me access to free virus protection. Since I’m on a Windows computer I thought my first stop should be to contact them. After hours of research, their support contact information is located in a friendly location. All I was able to find was all these FAQ until I figured it out.
First, you’ve got to go to http://consumersecuritysupport.microsoft.com then follow the instructions, so in this case, it would be to click on “I think my computer is infected” link. It will ask you to download and run their “Microsoft Safety Scanner”, go ahead and run that. Next hit “Continue” and it will ask you for your Country and language. So chose the right one and click “Continue” again. Finally it will bring you to their page with how you’d like to be contacted, click on phone and it will ask you for your information. Then click “Submit”.
After, you’ll get a message like this:
Thank you for contacting Consumer Security. Phone Support
Thank you for submitting your issue to Support.Microsoft contact:
Your Support Case Number: 1150617685
For reference, please print this page or write down your support case number. Use this number when communicating with support about this issue. You may now contact Support by phone. Please use your support case number when you communicate with Support about this issue.
Support Phone Number: 866-727-1074
Hours of Operation: 24 hours a day, 7 days a week
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Don’t call them unless you have your case number and you get that by following the steps I mentioned above. Then you’ll get a technical support agent that will contact you to help you. Here’s what I wrote back to Microsoft’s customer service feedback survey they asked me to fill out.
I personally had a really amazing customer experience and was extremely satisfied with Elton’s help.
He was very professional, polite, respectful and courteous throughout the call. He’s taken the necessary time to listen to my problems and over delivered on his assistance by giving me extra pointers and things to watch for in the future. I was going through extremely hard times with my computer and he took the time to empathize with me and understand my frustration.
It honestly took me a hard time to find a telephone number for support and was getting frustrated with Microsoft’s service however Elton’s professionalism made me feel relieved and hopeful that my needs to resolve the issue would be addressed. He guided me step by step, while remaining very patient and explaining whatever I didn’t understand and really appreciated him doing so.
I’ve worked in call centers before and I know sometimes it can be stressful to deal with a frustrated customer but he didn’t let any past negative experiences come out on the call.
I would like to congratulate the Microsoft team for selecting and hiring what I found out to be an excellent technical customer representative.
Thank you.
André Givogue
So after that was all done, I’ve installed a copy of Microsoft Security Essentials which is a free virus protection software for all Windows owner. To this day, that’s still what I used.
Oh by the way, FYI, if for whatever reason your Windows copy is not genuine, then Microsoft will not offer you this assistance.
Free Virus Protection & Best Malware Removal Continued
If you want an alternative solution, use the best malware removal tools with an easy to follow step by step guide. I found this very comprehensive tutorial online at http://malwaretips.com/blogs/remove-browser-redirect-virus which cleans your PC and is also a good free virus protection alternative.
Note, because you’ll have to install a bunch of new free virus protection software, scan, re-scan, you should print the instructions from that website as you’ll have to restart your computer pretty often. Also some of the bigger scan at the end to make sure that your computer is free from viruses took me 48 hours for one and 45 hours for the other so don’t expect your computer to be all fixed overnight. After doing all that, you’ll find your computer is much healthier.
What about you, do you prefer installing your own free virus protection software with best malware removal tools or just have it serviced by a computer technician at the store? Share your thoughts.
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.
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.
Jobs To Do From Home
Jobs to do from home are ideal opportunities for single parents, students or anyone who doesn’t want to commute and get stuck in traffic every day, who simply wishes to stay home to work! I know it’s kind of redundant but it is what it is.
There are countless numbers of opportunities when it’s time to select jobs to do from home. You’ve got to know and understand that there are various types of jobs to do from home. Not knowing all these types of career from home can easily lead to confusion, misinterpretation or worse select something that’s not a fit for you.
Without going into all the details here, there are 4 types of career from home model that exists and you can get more information on the 3 other types if you go visit our website at www.careerfh.com but for the purpose of this video, let’s focus on jobs to do from home as an “employee” type of career from home.
As an employee, you’ll be hired by a company to trade time for money, which means a guaranteed fixed income per hour. So you get paid by the hour.
You’ll need to have at least a computer with an internet connection, a telephone and perhaps a printer depending on the scope of your job.
Skill wise you’ll need to have basic computer knowledge, communication skills, able to work independently with minimal supervision and be resourceful.
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Some of the most popular jobs to do from home markets are: medical transcription, customer service (like inbound call centers), technical support, data entry, clerical entry, translation, proof reading, computer programming, graphic design, online support, etc.
Jobs To Do From Home Continued
When contacting employers for jobs to do from home, make sure you ask them if they have open positions to work from home. Many employers offer both types of work environment for their employees. Some employers prefer to see the day to day operations of their workforce while others look at it as significant savings from having the employees work directly from their homes as they do not have to rent an office space for that employee.
Remember, when searching on the internet for jobs to do from home as an employee, make sure you deal with a reputable company. Some other related search terms that could help you in your research are telecommuting, remote work, home-sourced, etc. Here’s a good article on Wikipedia that talks more about telecommuting http://en.wikipedia.org/wiki/Telecommuting
Good luck in your job hunt.
So where are you going from here? Share your thoughts and comments down below
Work At Home Business – 7 Questions to Consider
Starting a work at home business is not that difficult.
After all, we are in located in North America and being in business for yourself is simple as saying, I’m now in business. What I mean is that the opportunities to start a work at home business are endless.
How you file your taxes however will be different. Make sure you talk with an accountant for more information in that regards.
Some of the main advantages to have your own work at home business are; you control your work schedule, your environment, how you dress, no body’s looking over you, etc. Keep in mind though, as much as you have the flexibility to do all that, you still have to be dedicated, put lots of efforts and focus.
You’ll have to become very effective at managing your time either for work and/or family life. That said, hard work and consistent effort will be rewarding.
Consider these 7 questions before starting your own work at home business:
- Can you start working at home while keeping your regular job?
- Do you have enough knowledge about the various types of work at home opportunities to make an informed decision? What I mean by that is do you know the differences to work from home as an employee, contractor, investor or business owner?
- Do you know the difference between legal distribution vs illegal pyramid scheme?
- Would you have the freedom to choose when and where to work?
- Do you have a complete training, support system and an action plan to ensure your success in your work at home business?
- What’s your monthly advertising budget, do you even have one?
- Have you heard of anyone in your social circle who are successful at working from home and you could ask them for advice or mentor you?
If you can answer most of these questions positively, then you can start your own work at home business but if not, I’d say you educate yourself a little bit more on the subject on the page “Types of Career From Home”. Coming back to working at home; it’s important for you to consider a type of work at home business that you’re passionate about. Whenever you like and love to do something in particular, it’ll make it easier for you to do on a daily basis.
Work At Home Business – 2 Main Groups
All of the work at home business categories can be summarized in 2 groups, offline and online. Now of course any kind of businesses can use a blend of the offline and online but I mean, generally speaking, in order to handle the service or deliver the product, it is mainly either or.
Offline includes anything like: a day care, painting interior walls, selling jewelry, becoming a photographer, doing handy work, etc. These work at home businesses are really inexpensive to start and straight forward unless you go into specialized work at home businesses such as becoming a realtor, a plumber, life insurance agent, etc. All these types of work at home businesses require lots of effort, especially at the beginning, to establish your clientele but once it’s up and running, the momentum will pick up over time.
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Now online work at home businesses is anything you need a computer and need to be connected to the internet. The opportunities online are endless and there are numerous ways to make money from your pyjamas. You can do anything from affiliate marketing (selling other people’s products), you can become a publisher (write and sell your articles), a virtual assistant, a customer service representative, sell advertising space, etc. Like I said, when it comes to online, the opportunities are endless and you’re not bound by a geographical location like the offline counterpart.
Either way, both methods require you to work at home from your office. You’ll need to organize and plan your work at home business well. You’ll also have to make some time to set up your home office with the essentials; computer desk, computer, printer, internet connection, telephone, filing cabinet for paperwork and of course a comfortable chair.
I can’t say it enough, time management and a plan of action are essential to become successful at your work at home business. You’ll need to schedule effective routines and prioritize your work accordingly.
What about you, why would you prefer to have a work at home business online or offline?
