What are the guidelines to qualify as a first-time home buyer?
What is the best mortgage for a first time buyer?
Interest rates continue to be low. Inventory of homes available for purchase makes it a buyer market in most area of the country.
Rent on the other hand in most market continue to rise.
Their still a tax advantage for ownership as well as building up equity.
Their are so many loan programs available such as VA, FHA, USDA loans and seem like every state as well as some municipalties have home ownership programs.
Need additional income to purchase a home ADDITIONAL EXTRA INCOME – HOMEBASED BUSINESS is a great way to start an additional income.
I like residual income, monthly rents, not to mention multi-level marketing which can be work from anywhere. First time homebuyers this is your time. Buy now be prepared to live rent free and build residual income.
What are some tips for traveling out of the country?
What are your tips for travelling alone?
What is the best way to travel alone?
How to plan a trip around the world itinerary?
Best Traveling Tips for the Holidays
Traveling during the holidays is an exciting time but to ensure a promising trip, requires the right plan.
The silly season is filled with festivities, mad dashes and shopping bonanzas but when you are well-prepared, you and your loved ones can breeze through the craziness and make your trip that much easier.
With the best traveling tips for the Holidays, you are prepared for anything that comes your way along your trip.
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The peak season is always the busiest time of the year. Whether you travel locally or internationally, understand that it is going to be busier with more crowds, more queues and more traffic.
Prepare yourself mentally for delays. When traveling with children, bring simple games along to keep them entertained and well-behaved during your travels.
Packing
Packing for your trip depends on how you will be traveling, whether you have young children with you and an attitude of expecting the unexpected. Road trips are always a wonderful family getaway.
Be sure to pack enough snacks, bottled water and plan for bathroom stops along the way. Rest is important. Do not push yourself beyond your capacity and rather stop off at a guesthouse for the night.
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Pack light but Pack Right
You do not want to manage heavy luggage and multiple suitcases especially when flying so pack smart. Determine the season, the destinations you will be visiting and consider comfort.
Always include a spare outfit for unexpected weather changes just in case.
Travel Documents
Keep your passport within reach and include in your hand luggage, purse or wear it in a travel pouch if you must! Traveling can become extremely complex if you lose your passport.
Technology
Create a checklist of the gadgets and devices you will be bringing along. Headphones, phone chargers, cameras, tablets and similar items can certainly make traveler smoother provided you do not leave these behind at the end of your holiday
Essentials
Always pack the essentials including sunscreen, antibacterial hand cleanser, tissues, soap, sunglasses, insect repellant, toothbrush, toothpaste and an extra pair of underwear.
Emergencies
You need to include a basic emergency kit. Accidents can happen very quickly and whether minor or major, being prepared can prevent a disaster situation.
If you are out in the country far from the stores in the city or in a foreign country where you are unsure of locations, having your own emergency kit is precious.
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Include plasters, bandages, mild pain medication, disinfectant, cooling gel for sunburn. Your general first aid kit should suffice.
Learn of Nearby Clinics Where You are Going
In case of a medical emergency, always determine whether the closest clinical facility is. This can prevent time wastage and help get you or your loved one to the doctor on time.
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For families, being prepared is the best way to protect your children against harm. Include snacks and entertainment for the kids and spare clothes in case of mess.
With our tips for traveling during the Holidays, it can create a pleasant, well-organized and truly treasured experience. When you are prepared, you can rest, relax and enjoy every moment of your travels.
Many people have a question when thinking of buying a timeshare.
Does it make financial sense or does it make sense at all to buy a timeshare?
Well the answer can be both yes or no depending on who is buying and for what purpose it is being bought.
In this article we will discuss why it makes sense to buy a timeshare.
One of the most traditional answers could be that you own it, but when you rent something you don’t own it.
Timeshare industry has grown by leaps and bounds since its inception in this country and many notions that people had earlier have been clarified.
Timeshare is no more a small business. Big hotels and resorts are into timeshare business now.
It is estimated to be a Five billion dollar a year industry worldwide and approximately two million Americans have timeshares.
You might be wondering what lured so many people in America alone to timeshares. Here are some reasons.
Consider this fact you pay rent to stay in a hotel. You pay the rent for staying in a hotel for a week. Suppose it is $900.
If you consider a period of 30 years, multiply the cost of living in a hotel for 30 years with $900. It will be $27,000.
You spend that much amount and only get a suite with only a bathroom. Now consider this, if you buy a timeshare for $10,000 which has a maintenance fee of $450 annually.
The cost for 30 years will be $10,000 plus 450 multiplied by 30. The answer will be $23,500 which is $3,500 less than renting a hotel suite.
But here is the interesting fact. You still get to own your timeshare property which will earn some money if not the original price.
So your actual expenditure on your vacation will be way less than renting a hotel suite. Then who can ignore the comfort of a home in a timeshare property.
A typical timeshare unit has two or three bedrooms, more than one bathroom, a kitchen, a laundry room and a pool plus not to forget all the resort facilities.
Does it make sense now? It does because it also saves you from the hassle of planning your vacation each year because you know when you have to go in turn offering you a guaranteed vacation every year.
How many hotel rooms can accommodate large families and friends? With a timeshare vacation you can invite who ever you want and can host reasonable size gatherings.
A timeshare is like money lying safely in your bank. You can sell it whenever you want.
Not only that if you buy a deeded plan, the timeshare gets inherited to your heirs also.ADDITIONAL INCOME DEBT FREE CUTTING SPENDING Compare the timeshare with buying a vacation home.
You don’t have to worry about upkeep and maintenance also. The management company will take care of everything.
You just have to pay the maintenance fee for that. But what a pleasure you can live like you are living in a hotel and still get a feel of your home and have to do nothing.
Apart from these benefits, timeshare companies offer you so many discounts like bonus weeks, discounts on airfare, car rentals, attraction tickets, restaurants and much more.
Are you are planning to start a business? You must have a clear plan and strategy for achieving your goals.
Too often new entrepreneurs jump ahead without mentioning what they sell, how they sell it and to whom they will sell it.
Thanks to the internet, it is straightforward than ever to start a business in the comfort of your own home.
Although it is not easy to be an entrepreneur, it is generally known that starting a project is very rewarding.
The hardest part is starting. So many people have business ideas that never leave their notebook.
Others want to have a business, but they do not know where to start. These are the six necessary steps for starting a business in 2019.24/7 ONLINE INTERNET BUSINESSGet Online
First, if you start a business, you have to install it on the internet. The number of people buying online is increasing every year.
More than 3 billion people have access to the internet, and more and more people connect every day. These are all potential customers. When your business is on the internet, you can sell your products and services 24 / 7 for the whole year.
Get starting capital Although the costs of starting a business in 2019 on the internet are considerably lower than those of a traditional company, you still need a little money to start an online business.
The main reason why most companies fail is the lack of capital. Provide a plan to make financial resources possible, whether it concerns sales, your funds or external investors.ONLY A FEW MINUTES
Choose The Right Location:
Location plays a significant role in determining the success of your business.
A wrong location can jeopardize all prospects, and at the same time, a right one can build a strong foundation for a fruitful venture.
Therefore choose the location wisely. Discuss with people who have vast knowledge in the industry that you have chosen.
If you set up your business amidst your competitors, there are higher chances of success, studies have shown.
Establish Your Unique Selling Proposition
What makes your company unique? The Internet is a big market, and when you start a business in 2020, you have to make a unique sales proposal (USP) for your product or service.
Why would people buy from you instead of someone else? If you do not know, how can you expect your potential customer to know?
Know your ideal customer No company can sell anything to anyone. You need to be clear about who your ideal customer is so that you can create your marketing messages to attract them directly.
What are their needs, wishes, concerns, problems or wishes? How can your products or services help them?
Implement a proven business model Use a proven business model that will work in your market.
If you do not have one, look at your competitors and see what they do. Buy a business mentor that shows you how to grow your business and move a potential customer to a customer.
Very often you can learn a lot from people who have preceded your industry. They can help you avoid pitfalls and make your path to success faster and easier.
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It may not sound natural to start a business, but if you have a passion and want to see it become a successful business, it will take planning and organization.
these tips to get started and build a company you can be proud of. Regardless of your age, education, technical skills or qualifications there are no specific requirements for being a successful online entrepreneur.
However, you will be more successful with a solid business model to work from, clear direction, training, and support.
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Identity Thief – ways to safe guard your credit and private information Identity theft happens when someone obtains sensitive personal information, such as credit card data or personal identification number to commit fraud or other crimes.
With so many services and product moving online, you may not remember every store you’ve shopped at or the websites you’ve signed up in, but thieves and hackers can strike anywhere and at any time.
While no measures can guarantee protection against identity theft, there are ways you can take to safeguard your information and have a strong line of defense.
Here are some tips stated by experts to prevent identity theft:STARTING A BUSINESS
Keep track of your paper trail
If you prefer checking your ATM, credit card or gas station receipts on paper, then make sure you destroy it after you’re done the checking.
Shred credit cards statements, salary information or documents that contain private financial information often.
Safeguard your Social Security number
Avoid carrying your social security card with your all the time, keep it in a secure place.
This is very secure information that identity thieves target first as it will give them access to your credit report and bank accounts.
Watch your mail
Stolen mail is one of the easiest paths to a steal an identity. Use a locked mailbox or ask a trusted source to fetch your mail held if you’re out of town.
USPS also has an informed delivery service which can give you a preview of your mail so you can tell if anything is missing.
Track your bank and credit card statements
Check your account statements periodically to check if all purchases and credits are valid. If you recognize irregularities in purchases that you didn’t make, contact your bank and cancel your cards immediately.
Also make sure you recognize the merchants, locations, and purchases listed.
Be cautious when asked for personal information Even if you’ve signed up for phone banking, ensure that you read through your bank’s verification procedure and do not divulge any unnecessary information.
If salespeople or sign up sheets require information such as Social Security, driver’s license number, or any personal identification, only reveal it if it is absolutely necessary.
Lock down your hardware
Since we use devices so often throughout the day, set up password protection for your phone, laptop, tablet, and other devices,
Even if you trust the people at home or at work, there are threats of break-ins putting your data at risk.
Downloading anti-malware apps and software is also good-to-have as they can prevent criminals from stealing your data.
Social Media Safeguards
Secure your social media profiles (Facebook, Google, Dropbox, Apple ID, Microsoft, Twitter) with two-factor authentication.
hat means that whenever you log in, you’ll need a code that the site sends to your mobile phone along with your password to enter. Although it may seem time-consuming, it is better to be safe than sorry.
While social media is a great tool to share things about your life, the more you share, the easier it will be for someone to get their hands on your information.
Keep your social media profile as barren as possible and try not to divulge your birth date, email address, and phone number.
What are the guidelines to qualify as a first-time home buyer?
How do you apply for a first time home buyer loan?
What qualifies as a first time homebuyer?
What is the best mortgage for a first time buyer?
Interest rates continue to be low. Inventory of homes available for purchase makes it a buyer market in most area of the country.
Rent on the other hand inmost market continue to rise.
Their still a tax advantage for ownership as well as building up equity.
Their are so many loan programs available such as VA, FHA, USDA loans and seem like every state as well as some municipalties have home ownership programs.
Need additonal income to purchase a home ADDITIONAL EXTRA INCOME – HOMEBASED BUSINES is a great way to start an additional income.
10 reasons for starting a profitable home business online. It’s possible to start a home business online with very little.
Outlay and you can easily earn from $100 to thousands per day. internet, online income, money, business,web, intenet It’s possible to start a home business online with very little outlay and you can easily earn from $100 to thousands per day.
You want to escape the rat race. You’d rather spend the 2 hours you waste every day with your family, or on a hobby. Running your own business online you can stop the commute, and you can feel good because you are helping to cut pollution too.
2. You can work part time building your new home business online until you see it taking off. You aren’t giving up your bill paying regular job to jump in without any income.FREE INFORMATION.
3. It’s possible to start a home business online with very little outlay Webhosting is cheaper than a bricks and mortar shop front. You already have the pc to access the net, it can start working for it’s keep.
4. You can choose your own hours. If you have an appointment to keep in the morning, start your online work in the afternoon. No one can tell you “you can’t have that week off in August, Bill got in first”.
5. If you work harder you can benefit directly, you put more hours in and your online business makes more profit, your wages go up salary isn’t fixed by someone elses view of what you’re worth.
6. A lot of online business tasks can be automated, using readily available tools.
Emails can be automatically sent by autoresponders, even regularly asked questions can be sorted and answered by software. FREE INFORMATION
7. A website works 24 hours a day without complaining. Even if you’re on holiday your online business website can be working online for you bringing in money.
8. Your online business can be as far reaching as you want, it can offer something for your local community. It can equally sell to people around the world, without penalty.
It doesn’t cost any extra to send an email to Australia, or for your website to be used to make a purchase by someone in Europe.
9. Starting a home business online means you have a continuously growing market as more and more people come online everyday.
10. It’s dress down day everyday. You can work in your pyjamas if you want, nobody’s going to stop you in your own home. No more suits and ties unless you want to wear them, but that’s your choice.
Making money on Craigslist is one of the most over-looked things, but also one of the easiest things, if done correctly.
craigslist, money, make money, make money on craigslist
Craigslist is one of the most visited sites on the internet today, with millions upon, millions of visitors a day.
With this many visitors daily, it is very easy to get a nice chunk of traffic with your postings. I have put some tips together for you guys, apply these, and you WILL
make money!
Tip 1: DON’T POST DUPLICATE POSTS!
Posting duplicate posts will do nothing for you but get your ads taken down. Yes, it is easy to just copy and paste, and make over 100 ads within minutes, but it won’t do you any good.
Tip 2: USE DIFFERENT IPS
Using different IPs is another way to avoid getting your ad flagged. One way Craigslist will know to flag your posts is by looking at the IP you are using. FREE INFORMATION
If they see multiple ads from the same IP, they will most likely flag your ad, thus your profits will suffer. (Wait, you won’t have any.) One way you can change your IP is by using a proxy. If you
want a list of them, check out proxy.org. They have thousands of them.
Tip 3: DONT BE AN IDIOT!
Being an idiot is the easiest way to not make money on Craigslist. Do not post something, blatantly spamming your URL. This is an example of what NOT to do:
“HEY GUYS CHECK OUT MY SITE ITS THE BEST!!!!
Doing this is also a good way to get banned from your CPA network as well, which also is not a good thing.
Tip 4: CATCH THE CURIOSITY OF THE READER!
This is one of the most important tips of all. By catching the curiosity of the reader you have a much higher chance of getting an email from them, or getting a click on your link. Also, make sure to keep your ad short – this will help catch their curiosity.
Tip 5: DON’T GIVE UP, EVER!
That’s it, DON’T GIVE UP. Giving up is the easiest way to not make money online. To make money you must stick with it.FREE INFORMATION
I know it will be hard, but when you finally do get that first sale, or that first lead, it’s the greatest feeling ever. If you can do it once, you can do it a million times.
